The New Bankruptcy Law With the new bankruptcy law in effect as of October 17, 2005, there is a lot of confusion with regard to the new "means test" requirement The means test will be used by the courts to determine eligibility for Chapter 7 or Chapter 13 bankruptcy The purpose of this article is to explain in plain language how the means test works, so that consumers can get a better idea of how they will be affected under ...

No-Fault Insurance Explained If youÂ’re fortunate, or depending on how you look at it, unfortunate to live in one of the twelve states that are under a non-fault auto insurance system, you can cause an accident, yet your insurance company wonÂ’t pay for the other partiesÂ’ damages If you live in a No-fault state (DC, FL, HI, KS, KY, MA, MI, MN, NJ, NY, ND, PA, UT) that means you live in a state that both requires drivers to carry insurance ...

Managing Your Finances Once Married ItÂ’s important to plan for your financial future beforehand so you have idea of what to expect Once you get married, most newlywedsÂ’ open a joint checking/saving accounts Below is a list of 4 easy steps to take when determining your financial future Step 1-Determine your net worth Net worth is the difference between assets and liabilities Make a list to figure out your net worth, make a list of all the things that you own and assign ...

Church Fundraisers Are The Oldest Type Of Fundraising Events Church fundraisers have been around for ages and are known for being community and family get togethers At one time they were called garden parties and were held during the summer months At the church fundraisers, there were games of fun for the children, food to buy and crafts for sale There was usually a supper and a dance to celebrate the success of the fundraising event Schools and churches have band ...

Cash For Structured Settlements - The Smart Way For most people when they buy a house it is considered their lifeÂ’s largest deal In some cases of structured settlements the compensation and financial considerations for a persons life duration and the total present value of the settlement can reach few millions of dollars Therefore it is strongly advised to use professional services like annuity consultant and a lawyer specialized in this field in order for you to avoid painful costly ...

An Analysis Of Lexmark In 2005, Berkshire Hathaway bought about a million shares of Lexmark I havenÂ’t followed this story closely, but I assume the stock was purchased by Lou Simpson rather than Warren Buffett I have only two reasons for believing this: the total purchase was small relative to BerkshireÂ’s investable assets and the Lexmark purchase is typical of SimpsonÂ’s investment philosophy (or at least, what little I can glean about his investment philosophy from his past purchases) Regardless ...

Saving Bonds Saving Bonds are issued by US Treasury Department These are not tradable anywhere in the market The bonds are non-marketable securities For any buying and selling activity, you need to go to the agents authorized by the government These agents are called Issuing and Paying agents The saving bonds are registered securities This means that they are registered and held in name of the person who owns them Generally there are three series of interesting saving bonds They ...

Online Accounting Accounting in USA has seen lots of change There was a time when the accounting was more of book keeping done in huge ledgers and was the purview of select few ItÂ’s not so anymore Accounting is much more widely accepted as a business function and general people also look for the accounting details of the firms they are associated with Also lot more transparency is required now Keeping in line with the development of IT and other ...

The Importance Of A Financial Advisor When it comes to managing your finances, you can certainly do it yourself If you donÂ’t feel comfortable doing that, you can use the services of a financial analyst or a financial advisor Choosing one is easy once you know what they can do for you A financial analyst and a personal financial advisor help to provide both an analysis and also guidance to businesses and individuals who seek help with their financial decisions Each ...

Savings Bonds Savings bonds are a great way to save money for your future Either purchased yourself, or given as a gift, savings bonds ensure you that you will have at least some amount of savings later on Although you may already know a little about savings bonds, either owning them yourself or having given one as a gift, you may not know that there are different types Each type has its own set of rules and also different ways that ...