The Importance of Lawyers

Lawyers are the butt of many jokes, from light-hearted teasing to rather mean-spirited barbs. In the Jim Carey movie, Liar Liar (a not so subtle play on the word “lawyer”), Jim Carey plays the archetypical lawyer – fast-talking and evasive of the truth. Is this rather bleak view of attorneys fair or do we owe them a greater deal of gratitude? I’m going to give you three scenarios to imagine, and then you can decide where you stand on lawyers.
Lawyer
For the first scenario, imagine you are driving down a road at night and out of nowhere a motorcycle merges into your lane, giving you no time to hit the brakes. If you leave the scene, it will be seen as a hit and run (regardless who caused the actual accident). Without a lawyer, it will be your word against the motorcyclist’s. Not every stretch of road is monitored and not every driver is honest. A lawyer is specially trained to not only protect your interests in court, but to pull information from others that are vital to your case.
Not everything a lawyer deals with has to do with physical injury or an accident of some sort.
Let’s consider for our second scenario that you are a college student. That scholarship you won during your senior year of high school was only good for the first year of study and now, entering your sophomore year, the weight of the world seems crashing down on you as you have to figure out a way to pay for tuition, books, food, etc. Of course, you manage but at the end of four (or five) years, you find yourself bogged down in debt and filing for bankruptcy seems like it’ll be the only way to get those creditors to stop calling you every other hour of the day.
By calling a lawyer, you just may be able to avoid such a life-altering decision as filing for bankruptcy. Most people who fall into debt do not know all the options available to them. A lawyer will help you make a wise choice instead of a rash decision that could haunt you down the road.
Buying a home is one of the most important milestones in a person’s life. It is something we often dream of from the time we are young and as soon as we enter the workforce, it is something we strive to attain. However, buying a house is not so simple as giving money and signing a few forms. There are many things to consider, such as location, zoning laws, school districts (if you have or will have children) among a host of other things. A lawyer can help you navigate your way through the minefield on your way to becoming a homeowner.
While it is certain that the jokes are not going away anytime soon, I hope you are at least convinced that lawyers play a vital role in our society. Lawyers, so often ridiculed and portrayed in a negative light, are the men and women who help ordinary citizens like you and I understand and make use of our rights. They enable us to make sense of endless documents of legal wording so that we can get to live our lives.

Credit Tips To Keep You Out of the Red

Have you ever wondered how others appear to be so successful and do the same job you do? This appearance is due to the fact that they follow several steps to keep themselves financially in line. You are about to read some steps you should start to take to get yourself going into the right direction.

credit card tips

Be strict in spending less than you earn:
You need to be strict when trying to spend less than you take home in your paycheck every time you get paid.  For some people this is easy, for others it is impossible and for people who have unforeseen bills such as; medical illness, disease or vehicle accident it is also close to impossible.  Hopefully, a person using credit to pay for these bills can bounce back from the inevitable costs by spending less than they earn. Also, spending less will give you a little extra something in your bank account that will accumulate. Some people even open a separate account to put a percentage of their check into and leave it alone.

Budget your salary and necessities:
Budgeting is one of the best ways to stay on top of your bills, but you also have to be strict with it. There are several ways platforms you can use to create a budget. First, decide whether you prefer to do it on a computer or with pen and paper. Paper is more of a manual approach with the exception of the calculator. You can get a a business planner with ledger at any retail store. Computers however, can do all the data manipulation for you. A popular software to start your budget is Microsoft Excel. There are also several other accounting and bookkeeping packages out there on the market today. So take your pick.

Pay your credit cards full and on time:
Avoiding high and outrageous interest rates, you must pay your credit cards in full and on time.  This is not always an easy task done by most.  You must do your best to pay on time and do what you can to pay more than your monthly payment if you can’t pay off the whole thing. Never pay the minimum amount required.  That will leave you at the creditor’s mercy.  They love that you pay on time and do not mind you paying the minimum. By letting you pay the minimum amount, they get to charge you the highest interest rate and still require you to pay back every cent of your original borrowing amount.

Keep organized:
Keeping organized sounds like an obvious statement, but it goes further than just keeping all your bills on the kitchen table so you know where they are.  Being organized will help you understand where your money is going and where it should be going. Organize your bills by a category that will be easiest for you. This could be by company or alphabetically, but you do what is easiest for you.  You can even take it further and organize each category by a sub category. This could be by account numbers or billing dates.  This sounds like unneeded work, but if you ever need to go back and look at something that is questionable, you will be happy you were thourough prior to the request.

In conclusion, following these steps or procedures will enable you to reach your financial goals, it will not happen over night, but it will happen.