4 Common Exemptions for Those Filing Chapter 7 Bankruptcy in Illinois Jul22

4 Common Exemptions for Those Filing Chapter 7 Bankruptcy in Illinois...

Millions of Americans are dealing with high levels of unsecured debt. Though Chapter 7 bankruptcy is a viable option for most, many are afraid they’ll lose valuable assets by filing. The court-appointed trustee can sell certain assets to repay creditors, but they’re limited to non-exempt assets. In this guide, you will learn which assets are protected in Chapter 7. Your Home In the state of Illinois, a married debtor may exempt home equity up to $30,000. There’s a big difference between home equity and market value. Though a home may be worth hundreds of thousands of dollars, unless you’ve lived in it for over a decade, you likely have little equity. In a tenancy by the entirety situation, ownership is joint, not separate. Under the state’s laws, creditors can’t take joint assets to pay an individual owner’s debts. Your Retirement Accounts The state’s Supreme Court affirmed that retirement accounts are exempt, no matter their value. The rule applies to pension plans, IRAs, and 401(k)s. This bankruptcy exemption is important because most retirement accounts have emotional equity that exceeds their financial value. Before increasing your contributions to these accounts, consult bankruptcy lawyers in Rockford, IL, to avoid breaking any rules. Wildcard Exemptions Illinois has generous wildcard exemptions. Debtors may apply the exemption to assets that would otherwise be non-exempt, such as equity in a vacation home, a luxury vehicle, or cash in savings accounts. The exemption is simple to use as it applies to all property. Domestic Support Requirements Though this provision was once obscure, it affects about half of the state’s households. This exemption benefits those who pay and receive child support or alimony. Bankruptcy doesn’t affect your right to take these payments, and you should consider putting them in a dedicated account. Reach...

Getting the right RV Storage in Coeur D’Alene, ID Jul22

Getting the right RV Storage in Coeur D’Alene, ID...

Getting the right RV storage can make the difference between storing your RV safely and securely and not knowing if your RV will be properly protected. When it comes to safeguarding such a large investment, it makes sense to find the very best options for RV storage. By exploring the RV solutions available, you can uncover the best RV storage that is a match to your needs. Storing your RV with a friend One of the options for keeping your RV in a safe place is to store your RV with a friend, family member, or other trusted loved one. Keeping your RV with someone you trust will ensure that it is safe at all times so you never have to worry about it. This is one of the most reliable options for RV storage Coeur D’ Alene, ID residents should consider. Storing your RV at a storage facility Another option for storing your RV safely is to keep it at a storage facility. Many local facilities will house your RV for any length of time that you need it. All you will have to do is to pay a nominal monthly fee and sign a contract to keep your RV at their storage location. Build RV storage at home One of the best options for RV storage Coeur D’ Alene, ID residents will want to explore is that of storing your RV right at home. If you don’t yet have a structure that can house your RV, you can always go to a trusted builder such as Town and Country Builder, Inc. and have them build custom RV storage for you from scratch. Consider Town and Country Builders, Inc. for all of your RV storage needs. Be the first to...

Clogged Sink? Hire a Professional Drain Cleaning Service in Texas City TX to Fix It...

Homeowners should call a professional Drain Cleaning Service in Texas City TX when they start to notice water sitting in a sink or bathtub longer than it should. That’s a sign that there is a clog forming somewhere in the drain. They may decide to use a chemical agent to dissolve the clog. This can cause more harm than good in future. These chemical agents are very powerful and they can wear away a pipe. Sometimes they only partially remove the clog and the remainder of it sits in the pipes for months. During this time it can cause a plumbing leak and water damage. A plumber at a Drain Cleaning Service in Texas City TX arrives with a camera that can show him exactly what type of clog he has to clear. The camera is located on the end of a steel cable and can travel throughout out plumbing system. There is a device on it that will show the plumber the exact location of the clog. This will help him determine the best way to free the clogged drain. If it is a hair and grease clog deep in the system, he may decide to use hydrojetting. A powerful nozzle will force water out of a hose at 5,000psi. This will push almost every item out of the drain. The plumber will then use the camera again to ensure that all of the clog is removed and that there are no additional problems with the drain. Potential home buyers have started including a plumbing inspection when they have a home inspection. The plumber can move the camera through the entire system. He can inspect the sides of the wall and see how much grease and other debris is building up along the...

Three Items in Your Home That You Should Clean with Microfiber...

Whether you operate a cleaning service or you spend a lot of time cleaning your own home, it is important to have the right supplies and equipment for the job. Microfiber is a type of cloth that is gentle yet effective for the purposes of cleaning. Consider these three areas of the home that would benefit from microfiber cleaning in Dallas. Hardwood FloorsHardwood floors need regular care in order to maintain their beauty and strength. Routine dusting and damp cleaning of the floors removes dirt and other materials before they can scratch off the floor’s seal. Microfiber can be used as a dry mop for picking up dust from hardwood floors. It can also be used damp in order to lift sticky messes. The absorbent material also works well for soaking up spills.Ceiling FansThe blades of ceiling fans often collect a sticky residue. This residue allows dust to settle and stick on the blades, reducing the fan’s ability to generate a breeze. The layers of dust are also aesthetically unappealing. If anyone in the home has an allergy to dust mites, routine cleaning of the fan’s blades, fittings and switches could lessen symptoms. Microfiber cloths are a good choice for cleaning the fan blades. The dusters with microfiber pads also work well for fans on vaulted ceilings.LightsAnother part of a home that could benefit from microfiber cleaning in Dallas is a lighting fixture. Lighting fixtures such as pendants, chandeliers, recessed lights and wall-mounted lights collect a lot of dust. The dust can shorten the lifespan of the light bulb. It can also dim the level of light. Microfiber cloths and dusters will not harm the light bulb, but they will remove the dust.Microfiber is specially designed to grab dust unlike any other fibers. Incorporating...

How to Protect the Beauty of Your New Vehicle After You Get It Home Jul19

How to Protect the Beauty of Your New Vehicle After You Get It Home...

There’s nothing like pulling into your driveway in a new vehicle you purchased from new car dealerships in Schaumburg, IL. The moment you drive that vehicle home, however, it will be under attack from dirt, dust, and environmental contaminants that threaten to ruin its appearance. To help maintain that “new car” look, then, here are a few ways you can protect your vehicle right from the start. Understand ItThough an owner’s manual doesn’t make for the most riveting of reading material, it’s important to give it a thorough look when you bring your new car home. Though they can be confusing at times, owner’s manuals can provide plenty of important information to help you properly take care of your vehicle. Whether it’s information on what types of cleaners to use for the interior or what types of mud flaps are compatible with your wheel size, an evening with your owner’s manual can go a long way to maintaining the look of your new car.Consider Past VehiclesSometimes, to help prepare for the future, it’s best to consider the past. You, more than anyone else, know all the flaws of your previous vehicle. When you come home from new car dealerships in Schaumburg, IL, it’s important to consider these flaws as you seek to protect your new vehicle. If spills on the seats were a frequent problem, consider installing seat covers to protect your vehicle’s beautiful upholstery. If you had a problem with rocks chipping your paint, consider installing mud flaps on all four wheels.Set Some RulesSo often, the appearance of your vehicle is marred simply because you participate in activities in the interior that you know you shouldn’t be doing in the first place. To help prevent history from repeating itself, then, it’s a good...

Great Benefits You Receive By Purchasing a Pre-Owned Vehicle Jul19

Great Benefits You Receive By Purchasing a Pre-Owned Vehicle...

In the ever-changing world of car shopping, the most basic decision remains the same: should you buy a new or pre-owned vehicle? While new cars certainly have their benefits, there are plenty of perks to buying a used automobile too. To help you understand some of the main benefits, then, here are basic explanations of some of the pros of a pre-owned vehicle. PriceYou can’t talk about pre-owned vehicles without mentioning the price. The lower prices you receive at a used car dealer in Kenosha, WI, are an attractive aspect of buying a pre-owned vehicle. Most of your savings come from the fact that used vehicles have already accomplished their depreciation, meaning the prices aren’t inflated simply because they’re new. Plus, the depreciation you experience over the time that you own the vehicle will be much less compared to the person who first owned the car. Feature for feature, then, a pre-owned automobile can provide a better overall value while still offering a comfortable and dependable ride.Pre-TestedThough it’s exceedingly rare, the problem of the occasional new car lemon can still occur. A pre-owned vehicle from a used car dealer in Kenosha, WI, however, has been pre-tested by the previous owner to ensure it’s in good operating condition. This can provide peace of mind that you won’t have to worry about any major issues occurring that could end up costing you a significant amount of money to have repaired.Less Expensive to OwnIn addition to being less expensive to purchase, used cars tend to be less expensive to own overall. This is largely due to the lower property taxes and insurance payments you’ll enjoy with a pre-owned vehicle. Given that these two costs are among the largest you’ll face with any car you’ll own, any chance...

Important Features Your Next Home or Office Surge Protector Should Have...

If you’re like most people, you probably have many electronics in your home that, together, represent a fairly significant investment. With so much money involved, not to mention the precious data that many of your devices hold, it’s important to protect your electronics as best you can. One of the best ways to protect your electronics is to utilize a surge protector. However, before you purchase a surge protector, it’s important to understand the features you should look for to ensure that your needs will be met. Plenty of Outlets The number of outlets in a surge protector has nothing to do with its ability to protect your devices, of course, but this is still an important consideration when purchasing one. You want to have plenty of outlets for your current devices plus a few extra outlets should you ever need to expand. Surge protectors with more outlets tend to have higher power ratings as well, ensuring that you won’t overload your protector with a bunch of power-hungry devices, potentially requiring the assistance of an electrical contractor in Jonesboro. Understand What’s Protected Though it’s rare that a power surge gets through a surge protector to the connected devices, it does happen on occasion. If it happens to you, you want to be sure that your devices will be covered. Many surge protectors come with some type of warranty for just such an instance, so it’s important to look for one that has a good warranty that’s clear and easy to understand to ensure you’ll be protected. Understand Surge Protection Another important consideration as you choose a surge protector is the device’s “energy absorption rating.” This is the amount of energy that the protection circuitry can stop and absorb before the surging power gets through...

3 Myths About Estate Planning That Must Be Debunked...

Estate planning is essential. Not only can it protect your loved ones, it can provide guidance about how to divide your assets. There are many myths people have about planning an estate with wills and estates lawyers in Edmonton. Here are 5 wills and estate planning myths that must be debunked. Only rich people should be involved in estate planning.If you have any assets (cash, life insurance, property) or children, you should create a will and plan your estate. Regardless of your net worth, it’s important for you to have a plan in place after you die. Having a plan will make it easier for your family during this stressful time.Estate planning only involves making a will.Creating a will is only one part of estate planning. Other aspects of estate planning include: Designating beneficiaries Managing tax liabilities Transferring property Property distribution Protecting the interests of minor children Bank account designations Guardianship Naming executors for the estate Long-term medical care You only must plan your estate one time.Will and estate planning isn’t a fixed process. As your life changes, you should review your will and legacy plans. Divorce, death of a spouse and birth of children will require you to revise your plans.It’s a good idea to review your plans every year to determine if they’re current. There’s nothing more disheartening at the end of a life than an outdated will that doesn’t include a current spouse and other important beneficiaries.If you need to discuss estate planning with wills and estates lawyers in Edmonton, contact Wills Estate Lawyers. Our services include probate/administration, wills and estates. Visit us at Edmonton Wills & Estate Lawyers for additional information. Be the first to...

What Intellectual Property Lawyers Do...

A few decades ago, most people weren’t looking for intellectual property lawyers. Back then, there were fewer violations related to IP issues. Yet, in today’s digital age, IP lawyers are almost a necessity for any business. Just think, every start-up could use the help of a lawyer to protect their digital assets. Similarly, a person who creates music also needs the help of an Edmonton IP lawyer. IP law actually spans a wide range of industries and products. Find out why you could use the help of an IP lawyer. IP law is complex and very detailed. Due to this, you could have misidentified certain assets owned by your company. You may even have assets that you are not aware of. When you hire a lawyer, you’ll have help in locating all the assets your company owns. Doing this will give you a chance to seek the proper legal protection for these items. It would be a shame to be sitting on a valuable piece of IP without even knowing it. You can’t register your product if someone else already has done so. Therefore, when you are in the early stages of creation, you’ll need someone to do a proper patent search. An Edmonton IP lawyer has experience performing this task. Once the search is done, you’ll have a clear idea of how to proceed with your product. You simply cannot afford to overlook this step. If your product is to similar to someone else’s, you could end up getting sued for a lot of money. At some point you will need to do the paperwork for your IP. A lawyer is best suited to do this. An attorney has the knowledge and experience to help you through the process without making errors. This...

How to Tell When a Used Vehicle Really Is as Good As it Seems Jul18

How to Tell When a Used Vehicle Really Is as Good As it Seems...

With thousands of pre-owned vehicles to choose from during your car search, it can be difficult to separate those that are truly worthy of your consideration from those that should be ignored. Especially when it comes time to look at vehicles in person, they can begin to look the same quite quickly, leading to confusion and a potentially rushed purchase on your part. To help inform your pre-owned car buying, then, here are a few things to look for as you’re checking out a vehicle at used cars dealers in Schaumburg, IL. TiresBefore you even step foot in a potential vehicle, you’ll want to take a thorough look at the tires. Check the tread all the way around to ensure that there are no worn spots or low tread depths. This inspection accomplishes two things. First, it can help you spot vehicles that have issues, such as poor balance or alignment. Second, if you notice worn tires on a vehicle, it indicates that the dealer didn’t do a very thorough job in repairing the vehicle before they offered it for sale. In either case, it’s probably best to move on to another option if you notice tire issues.LightsA vehicle component that many buyers forget to check at used cars dealers in Schaumburg, IL, is the vehicle’s lights. Since you usually do your car shopping during the day, it can be easy to overlook this important safety feature that’s only used at night. However, it’s important to find a shady spot to park the vehicle, then turn on all of the vehicle’s lights, inside and outside, to ensure they’re in good working order. If you notice any burned out or flickering bulbs, it’s important to investigate the issues underlying these problems prior to moving forward.CleanlinessIt’s...

How to Get a Good Deal on Your Next Car Without a Haggling Headache Jul18

How to Get a Good Deal on Your Next Car Without a Haggling Headache...

Buying a car can be a lot of fun, but not if you drive off the lot feeling like you could have gotten a better deal. Getting the right price is important, especially if you finance your purchase, since you’ll carry your monthly car payment with you for some time. Luckily, there are ways you can get a good deal and avoid the frustration of haggling. Do Your HomeworkThe internet makes comparing car prices a snap, so you should use this important tool before setting foot in a dealership. If a certain make and model has piqued your interest, look it up at several dealerships and compare prices. Even if you don’t buy it at the dealer with the lowest price, you can use their advertised price as a negotiating tool. If you’re looking at a used car, get as much information about it as you can and use auto valuation sites like Kelley Blue Book to get an idea of what you should be paying. Ask AroundSome car dealerships are great to work with, but others truly do resemble the popular shady used car dealer stereotype. Ask friends and family to recommend an honest car dealership in Arlington Heights, IL, that will give you a fair price. They’ll tell you who they liked — and often who they didn’t — so you can avoid dealers who care more about profit margins than people.Timing Is EverythingEvery car dealership in Arlington Heights, IL, has one thing in common: they have bills to pay. In order to cover their bills and make a profit, dealers must move a certain number of cars every month. If sales have been slow, you might get a better deal at the end of a month, quarter, or year. Be realistic,...

Sensible Tips to Help You Avoid a Collision as You’re Driving on the Road Jul18

Sensible Tips to Help You Avoid a Collision as You’re Driving on the Road...

Anytime you set out in your vehicle, there is always, in the back of your mind, an awareness that a collision could occur. Though auto accidents are relatively common, there are plenty of steps you can take to help avoid being involved in one. At dealerships in Lafayette IN, we want to see you arrive at your destination safely, which is why we offer these collision-avoidance tips. Use Both HandsThough you may not be the type of person who would drive your vehicle with your knees, it’s likely that you regularly drive your vehicle using only one hand. Distractions such as phone calls, changing the radio station, or taking a drink all require you to remove one hand from the steering wheel. If a large wind gust should suddenly strike you or you have a blow-out, one hand may not be able to provide enough force to keep the vehicle on track. Expect the unexpected and keep both hands on the wheel whenever possible.Pause at Green LightsThough you may incite frustration in the impatient drivers behind you, it’s important to pause for a couple of seconds when a light turns green. This pause is how we at dealerships in Lafayette, IN, recommend that you avoid a T-bone collision due to someone running a red light from the other direction. By pausing a couple of seconds and carefully checking in all directions, you will be able to proceed across the intersection safely.Maintain Your BrakesThe best way to avoid a collision is to stop before you reach the object you would otherwise hit. That means you need to keep your brakes well-maintained at all times. At the first sign of normal wear or significant issues, take your vehicle to a mechanic right away. This promptness ensures...

How to Properly and Effectively Adjust the Driver’s Seat in Your Vehicle Jul18

How to Properly and Effectively Adjust the Driver’s Seat in Your Vehicle...

After you purchase a vehicle, one of the best ways to make it your own is to adjust your seat to provide a perfectly comfortable ride. At car dealerships in Fort Wayne, vehicles come equipped with a wide variety of ways to adjust your seat according to your personal preferences. Here is a basic explanation of how best to use these adjustments to ensure you can find that perfect position, every time. Back and ForthOne basic adjustment you can make is choosing the distance between yourself and the steering wheel by moving the seat forward and backward. It’s important to allow as much room as possible between you and the steering wheel to allow the airbag to work properly. Additionally, you should perform this adjustment so that your knees can have a comfortable bend that’s at a good angle to prevent cramps during long drives.Up and DownThough you may enjoy the sensation of feeling like you’re in a low-rider, it’s just not the safest way to drive. You should move your seat upward until you’re able to see over the three things between you and the road: the hood, the dashboard, and the steering wheel. Though you’ll want to keep the dashboard easily visible to avoid taking your eyes off the road for excessive periods of time, everything else should be mostly or entirely out of your line-of-sight.Even PressureIf your car from car dealerships in Fort Wayne enables further adjustments, you’ll want to adjust what you can to create even pressure over the rest of your body. The cushion should have even pressure from your bottom to wherever the cushion falls on the back of your legs, depending on how tall you are. Vertically, the back of the seat should be adjusted to provide...

Ways Accounting Professionals Help Those in the Edmonton Health Industry Jul18

Ways Accounting Professionals Help Those in the Edmonton Health Industry...

The importance of having trained financial professionals on your staff cannot be overlooked. To maximize your sales pipeline, your sales staff has to be well-equipped and prepared to close deals. When the income begins to roll in, though, it needs to be maximized and well-managed. Hiring an experts accounting services for the health industry in Edmonton, takes something important off your plate and puts it in the hands of those who spend their time focusing on helping their clients achieve their business goals. Here are three ways accounting professionals help those in the health industry achieve their financial goals and why It’s important to include these businessmen and women in your company.Getting StartedWhen a business is just opening its doors, how well it does in that first year determines how many more years it will continue to operate. The majority of companies do not survive the first year. Then, from the survivors, many do not make it to their fifth year, either. An accountant sits down with you and takes a look at your current circumstances as a new and small business. Based on their experience, they make recommendations. In the health industry, you are expected to be compliant, transparent, and efficient. These are all areas where financial professionals thrive.Streamlining ProcessesOnce your company reaches mid-size status, processes can easily begin to overlap. By studying your company’s financials, an accountant points out redundancies. They can also point out opportunities. This can help you know which areas need help as you progress.Controlling OperationsA company that reaches large-size status faces far more regulations, mandates, and expectations from interested parties. At this point, an accounting firm can offer controller services as well as payroll coaching that helps operations remain efficient. By helping your company remain healthy, you can...

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