Author: James Paul
Experiencing an injury or accident can be frightening and not only is the injury painful, but dealing with the legalities is also stressful. There are many cases where hiring a personal injury law firm can help you to deal with the legal repercussions, so you can focus on healing and taking care of the physical wounds or injuries. Personal injury is a legal term used to describe any harm, injury, or damage to a person’s body, mind, or emotions. Such injuries can occur due to various reasons, including car accidents, slip and fall incidents, medical malpractice, dog bites, and many others. If…
There are two broad categories of life insurance – whole life and term life. Essentially, term life insurance runs for a specified period of time, say 10 or 30 years and can be renewed depending on the terms of the policy. A whole life insurance policy, meanwhile, runs for the rest of your life. Recently, term policies have been attracting more attention with consumers seemingly convinced that whole life insurance policies offer little value. We aren’t going to take sides on this. However, we believe that it’s in your best interest to make an informed decision. So, we want to…
Car Insurance coverage is legally an unavoidable plight for most car owners and drivers. In the USA, all road-going vehicles must have auto insurance to safeguard against accidents or other financial exposures. However, it comes at a cost not everyone can afford. Many drivers avoid buying car insurance or filing minor or even major claims after an accident. The scenario can be broadly explained as follows – due to high insurance costs, 1 out of 8 motorists choose to drive uninsured, and many even consider canceling their car insurance in order to afford other expenses. Moreover, with fluctuating economic conditions,…
In the third quarter of 2021, the US accounted for over 43% of global Mergers & Acquisitions (M&A) activity. The two terms, which are frequently used interchangeably, allude to the integration of the two firms, although in different contexts. M&A strategies includes the services your business will provide, as well as the clientele, industries, and geographic locations you will target and serve. There are several reasons why a firm decides to merge with another, but the process is difficult and time-consuming. When merging or acquiring a company, a lot of paperwork and legal issues must be put on the table…
So, you got $100k right now and got an itch to spend them? But you don’t know where? Here are the best options for you to explore. Be judicious as your money is judicious with itself, right? Invest $100K here! Spend some money on land or a store that will pay you monthly rent. Put some capital into stocks and cryptocurrencies and save for the long term (5–10 years). Purchase gold and silver bars (this is a long-term investment that should last 5–10 years or more). Consider a business idea and a challenge that people in your area face. Spend…
If you recently transitioned to adulthood, applying for a credit card is probably among the top five things you look forward to. In most countries, a person is eligible to obtain a personal credit card as soon as they turn 18. Credit cards add convenience to life, and are the preliminary means to start building credit. The shiny plastic unlocks so many possibilities, and they can make you feel invincible, which is addictive. Despite the many perks credit cards have to offer, they can become a liability if not used responsibly. Many newbies exploit their credit privileges, and then suffer…
Worker compensation in America refers to cash and benefits in exchange for their services. It will typically include disability insurance, on-site child care, free meals, vacations, different memberships, bonuses and retirement plans like 401(k)s.Employer costs for employee compensation for civilian workers averaged $40.9 per hour worked in March 2022 reported on June 16, 2022. Wages and salaries cost $28.16 and accounted for 68.8% of the total compensation. On the surface, the US does not have very stringent laws regarding employee benefits. Yet, the federal or state law has mandated a few,including overtimes, leave under the Family Medical Leave Act and…
A high CIBIL score has a plethora of advantages. This is a 3-digit figure that reflects your creditworthiness, that is, your ability to repay a loan. It can be either in general terms or with respect to a particular financial liability. A good score translates to better interest negotiation power, discounts on loan processing fees, cards with better rewards and getting pre-approved funds. The market size of the US Credit Bureaus & Rating Agencies stands at $13.4 billion in 2022 and is expected to increase by 6.1% in the same year. It has been growing faster than the administration, waste…
Once you file for bankruptcy, your assets come under the control of a trustee. They can sell these assets to collect money for unsecured creditors. However, filing for bankruptcy does not mean you have to give up all of your assets. Chapter 7 bankruptcy will help you get out of most of your debts. You have to take a “means test” for filing this type of bankruptcy. If you are making a certain amount of money, you can qualify for this type of bankruptcy. But you can’t repeat this type of bankruptcy filing for 6 years. It also prevents your…
Investing may seem like a hassle at first, but understanding the basics of the stock market for dummies can help you get around it. Understanding some concepts will help you grasp the whole of the stock market easily, like the workings of the stock market, the difference between long-term investing and stock trading, and why it is important that you diversify your portfolio. This guide to stock markets for dummies aims to explain all the basic stock market concepts and give you a solid investing foundation to build upon. The first thing you need is a licensed brokerage that will…