Categories
Finance

Why Should you Hire an Estate Planning Lawyer in San Antonio?

Every adult should have an estate plan (last will, Power of Attorney) to be prepared. If you become incompetent or pass away, an estate plan offers security and care for your property, your children, or your care. Because we all require an estate plan, the availability of do-it-yourself estate planning is growing in popularity.

But be cautious! Making your estate plan without the help of an experienced estate planning attorney might lead to future issues or, worse, future expenditures for you and your family. These are some top reasons to hire a San Antonio Estate Planning Lawyer

An attorney is fluent in legal jargon.

Your documents must use the language you need to explain your goals effectively. When reading your paperwork, the law will most likely make a default determination that may not be in your best interests if you are unsure about something. Hiring an attorney to draught these vital documents ensures that the lawyer will express your objectives clearly and that the law’s default conclusion does not interfere.

A lawyer will be able to tell you precisely what you possess.

When it comes to the property of married couples, this becomes a serious concern. It might be challenging to determine if the property is your separate property (you own 100%) or communal property (you and your spouse share 50%). The counsel of an attorney can assist you in classifying your property and determining what you truly possess in the eyes of the law. 

An estate planning attorney may be a valued counsel for your family.

It might be helpful to have trusted counsel to help your family manage the probate procedure at a difficult time. Nevertheless, it is good to use a lawyer you have known for a long time. 

An attorney can construct backup plans.

So, you’ve decided who you’d like to inherit your property with after you die? What if that person or those people die before you, or if they decline your gift? An estate planning attorney can assist you in drafting good options to ensure that your property has protection in the case of a disaster.

Conclusion

You can make an estate plan for yourself, but expert advice is always advisable. So figure out things on your own, but if you have doubts, don’t hesitate to contact a lawyer as it is indeed an important decision of your life.

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Business

Get Your Business Ready for the Holidays with These 6 Signage Ideas

Getting your office or brick-and-mortar store ready for the holiday shopping rush can’t come at a better time than now, as the holiday season is drawing close. The perfect holiday sign for your business can be created by Tailormade Signs through outdoor banners or indoor posters.

You can improve your business’s traffic and sales this month by paying attention to these six signs.

Holiday Banners for the Outdoors

Outdoor flagpole banners are showcasing the holiday spirit of many cities and educational campuses. Colorful, durable, and capable of withstanding the harshest Seattle winters. The addition of banners to street light posts can also benefit downtown areas and smaller tourist attractions.

Outdoor banners of the classic rectangle shape are a great way to advertise sales and events during the holiday season. A variety of mounting options are available. For areas where the wind is a concern, you can create mesh banners that allow winds to pass harmlessly through them without making the banner flutter.

Employee and customer appreciation

With a wide variety of branded gifts, you can show your appreciation to both your customers and your workers. Employee morale is boosted when presents are handed out during the holiday party. This is a great way to let your customers know that you value their business.

Do you have a difficult time deciding what to give your employees or customers? Consider investing in a slightly more expensive product rather than the typical holiday calendars and cheap pens.

An example would be a high-quality sweatshirt sporting the logo of your company. Wearing it turns you and your business into walking, talking billboards.

There are very limited promotional gift supplies due to the ongoing pandemic and worldwide supply chain issues.

Sandwich Signs

In case your brick-and-mortar store experiences an increase in foot traffic during the holiday season, Tailormade Signs can help you attract the attention of those passing by with a custom sandwich board.

Use one of these A-Boards to promote your holiday-themed events or have one of your talented employees draw a holiday logo or scene. A variety of options are available, such as chalkboards, dry-erase boards, and corkboards.

Vehicle Wraps

The holiday season is a time when people are out and about shopping, which increases the number of vehicles on the road. During regular business hours, a vehicle wrap can generate tens of thousands of impressions while it sits outside of your business.

Consider a vehicle magnet instead of a wrap. They are ideal for situations when you only need to advertise temporarily but don’t want to use your vehicle. They are either black and white or full color.

Decorate Your Shop or Office!

If you want to decorate your store windows with holiday imagery, a cost-effective alternative is to purchase custom vinyl decals. Simply apply them and then peel them off on January 2nd to store in a cool, dry place until the following year.

Yard signs (promotional signage)

Additionally, promotional signs can serve as wayfinding signage for vehicles so that they know how to enter and exit a parking lot safely. You can easily move them, they’re lightweight, and they can withstand harsh winters. There is a wide range of materials and finishes available, such as corrugated plastic or old-fashioned cardboard.

Categories
Small Business

Here is Why You Need to Accurately Value Your Assets During a Divorce

Knowing the true and correct value of your assets is one of the most necessary steps during a divorce. Once you file for a divorce, you will need extra finance to provide for various divorce procedures. Additionally, valuing your assets correctly will ensure a smoother divorce process. 

A Columbus divorce lawyer will help you in all the legal formalities. However, while dealing with the law, you must also understand the actual value of your assets to avoid complications. 

Following are the reasons why:

Undisclosed assets 

Take the proper measures and ensure that all assets are known to both you and your partner. If any of your purchases get disclosed in the future may it be accidentally or intentionally, it can cause complications in your divorce later.

Equity distribution.

There is a possibility that your spouse fights to take a share in the property that you owned before marriage. Your attorney will help you appropriately; however, if you validate your assets beforehand, it will help you secure your assets.

To produce a budget.

After your divorce, you will have to take all your financial decisions individually. Therefore you must know the actual value of your assets, and combining this; you can easily create a budget according to your monthly expenses.

So you can choose a reasonable settlement offer.

There will be certain compromises that you will have to make after your divorce. You must secure all your payments and get proper medical insurance or an adequate pension plan to secure your future.

You can prepare a post-divorce financial plan.

As you have been sharing all your finances with your partner all these years, it will be difficult for you to take up all the financial charges individually. However, if you know the value of your assets, you can choose where to invest in the future from the properties that you own.

Mistakes to avoid while dividing assets:

  1. Even when two assets look like they share equal value, consult professional help before making any decision. The asset’s market value that you are willing to give up can be more than you imagine.
  2. Even if you have an expert financial advisor or a trusted attorney by your side, it is essential that you understand the value of your assets yourself, take your own decisions and avoid depending entirely on them.
  3. If your partner insists that you take an investment plan instead of a property, understand that investments have risks and can give you zero returns in the future, so always prefer assets over investments. 

Divorces can be complicated for you and your family; however, it is essential to start thinking practically and choose what is best for you and your future.

Categories
Small Business

Steps To Take When You Get Into A Rideshare Accident.

Millions of Americans make use of ridesharing services such as Uber and Lyft. It connects passengers and the driver through an online platform such as the official app. Car accidents can happen to anyone at any time, including when you’re in a rideshare vehicle. 

You’re entitled to receive compensation if you sustain damages in the accident. The person that caused the accident and is proved to be negligent while driving in court is held liable for compensation. A car accident attorney can help provide evidence for the other driver’s carelessness and create strategies for you to receive your rightful reimbursement. 

An Atlanta car accident attorney assesses your case and effectively recovers your damages. 

Understanding insurance regarding ridesharing cars. 

Ridesharing service cars usually do not carry personal insurance for accidents caused during commercial rides. It is the ridesharing companies that have insurance coverage for their drivers. They have extreme specifics regarding what their insurance will cover to minimize losses, such as whether the driver was logged in the app or was in the middle of making a trip. An attorney can read these legal documents, inform you about the claims you can recover from this fund, and collect evidence accordingly. 

Call Medical Emergency Services 

Medical reports from a qualified professional are required in court to prove the injuries you suffered. These state your diagnosis, the impact of the accident on your body, your symptoms, and future complications, along with the treatment you require. This helps estimate your total losses. 

File A Police Report

Calling the police and filing a complaint regarding the accident with necessary details can be used as a statement of proof if the opposition tries to accuse you of partial negligence. 

Save Contact Details

Ensure that you have the contact details of everyone included at the scene, their relevant information and insurance details. Inform your insurance company about the accident. 

Recording Evidence 

Take pictures and recordings of the accident, the property that was damaged, the visible wounds, and the location where it occurred. Surveillance footage cameras can also be of assistance. Witness statements describing the incident can also be used in court. 

Follow Your Attorney’s Guidance

Rideshare claims are complex due to the presence of several parties. Attorneys are proficient in creating beneficial agreements and getting you compensated for every monetary and emotional loss you suffered in the accident. They consider how your future is affected by accident in terms of income and occupation and discuss the correct legal measures accordingly. They educate you regarding the case regulations so that you have a simplified understanding of your situation, which helps reduce stress. Following their instructions are advantageous for your case and compensation. 

Categories
Finance

5 steps to take after a car accident in Texas

The aftermath of an auto collision in Houston can be overwhelming. The sheer impact of the crash can cause unexpected trauma, but as one of the drivers involved in the accident, you have to take a few essential steps. Although not mandatory, you should consider hiring a Houston car accident attorney to know your rights and interests. Here’s what you need to do after a car accident in Texas. 

  1. Pullover and check if someone needs help. Don’t be tempted to run away from the accident scene, or you may have to deal with charges later. Pullover to a safe place. If you are physically okay and, in your senses, check if other passengers, pedestrians, and drivers are in need of medical assistance. Call 911 without delay. 
  2. Inform the police. Texas laws require drivers to report a car crash if there was death or injury involved. You should also report the accident if any of the vehicles were damaged to the point of immobilization. You can call the local police or the nearest sheriff’s office. Wait at the accident scene for the investigating officer to arrive. 
  3. Exchange information with other drivers but limit communication. It is very common for people to admit fault or blame the other driver after an accident. While you need contact details and insurance info of all drivers involved in the crash, don’t communicate a lot. You don’t have to give a recorded statement to their insurance company until you speak to an attorney. 
  4. Promptly call your insurer. Once you feel okay after the accident, consider calling your insurance company without delay. While the statute of limitations in Texas gives you two years to file an injury lawsuit in civil court, the deadline doesn’t apply to insurance claims. You need to file your claim without delay. 
  5. Call an attorney. Texas is a fault state. If the other driver’s disregard for safety caused the accident, you should contact a lawyer to know about your injury claim. A skilled attorney can evaluate the merits and facts of your case and share a fair overview of what to expect in a settlement. Accident lawyers in Houston don’t charge an upfront fee, and you have to pay the lawyer only if they win a financial settlement for you. 

Finally, ensure that you have all your medical records handy. If you had a share in fault in causing the accident, this could impact what you can recover from the other driver.

Categories
Finance

Accomplish Your Financial Goals With These Powerful 6 Ways

Setting financial goals can be an empowering and challenging task. However, there are several ways you can achieve your financial goals, which include financial freedom and financial security. First, you need to start with a financial plan, which is a road map that will help you fulfil your dreams.

In this article, we will discuss six powerful tips, that can help you set and achieve your financial goals.

Get an Advanced Degree

Many financial planners will tell you the first step in achieving your financial goals is your capacity to earn more money which is an important part of meeting your goals.

Study shows that people with advance degrees have greater earning potential than those without a degree. They tend to have greater opportunities for advancement and more discretionary income for investments. Learning about wealth management, passive and residual income, and investment can help you increase your income by learning about ways your money can work for you.

Create a Financial Plan

Starting with a solid financial plan can help you achieve your goals. Your financial road map will start out vague, but as you work your plan things will become more apparent.

The first step includes making a monthly budget, which can help you organize your finances, and help you keep track of your spending. A budget is an accounting your income and your expenses. Your budget should be realistic, and it should include take-home pay, utilities, mortgage or rent, food, transportation, entertainment and loans. The money that is left over after you subtract your expenses from your take-home income is called discretionary income. Many people even allocate the tax refund they get after filing taxes online which is an easy first step to take.

Using spreadsheets like Google docs and excel can help you track your progress. Budgeting apps that can be sync with your financial institution can make budgeting easier.

Building an emergency fund is vital to your financial well-being. It can help you meet unforeseen expenses such as layoffs, emergency repairs, loss of income, and other major expenses. To build an emergency fund, you must set a goal for the amount of protection you need for living expenses which experts recommend as three months of living expenses.

If saving three months of living expenses is difficult, then you should decrease your current spending or increase your income or both. These changes will help you meet your short and long term goals.

There are several ways you can decrease your spending and stay within your budget. Look for discounts whenever possible, whether it deeply discounted, store brands or second-hand brands. Purchase what your family need only. Being wise can help your family and can help you meet your financial goals.

Purchase Insurance (Life, Car and Health)

Insurance can help you in many ways to meet your financial goals. Life insurance can be a vehicle for your future family needs, and it can use to pay off debts. You can purchase insurance through work at little or no cost, or you can get insurance quotes from your local insurance agent or from an online verified website.

Having car and health insurance can ensure that a severe illness or accident will not cause you financial hardship, such as loss of income. With life and health insurance, you are prepared for the what-ifs in your life.

Establish Good Credit

Having a good credit score can be a financial benefit to your financial planning. Managing credit card is one of the biggest financial issue people face with their finances. To save money, you should avoid your credit use. The only exception is for emergencies.

The average credit card interest rate on unpaid balances is 17 per cent. Credit cards are a huge roadblock to financial security, so they should not be used to make purchases unless you can pay off the card in the short term.

Short term repayments can help your credit score, which can increase your chances of getting low-interest credit cards. Some credit cards offer no interest for up to a year, allowing you to pay off your balance before interest accumulates thereby saving you money.

Start a Business

Starting a business is a common method of making money. Today, there are more ways to generate income through businesses. Many brick and mortar stores have ceded to online stores. Online stores offer convenience and accessibility, with less cash and constraints.

Plan Retirement

Start planning your long term goal for retirement now. It might seem far away goal, but it should become a part of your everyday life. The sooner it becomes a habit, and you can put away money each month for retirement.

There are no set saving guidelines for retirement, but a dependable approach includes multiple amounts of your salary at different ages. A good rule of thumb, you should have the following:

  1. Two times your salary by 35
  2. Six times your salary by 50
  3. Ten times your salary by 60

The above tip can help you reach your financial goal, ensure financial security and financial freedom.

Categories
Business

Benefits of hiring an employment lawyer in Lambertville

Workplace discrimination and harassment should not be taken for granted. As an employee, you have your responsibilities, but you also have your rights. State and federal laws protect employees and workers against discrimination based on age, sex/gender, religion, national origin, disability, and sexual orientation. If you have suffered discrimination at work, you must consider talking to an experienced Lambertville employment lawyer

  1. Get legal advice. More often than not, employees are unaware of their legal rights and obligations. Every case involving workplace harassment and discrimination is different in some way or the other. Just because you believe you have suffered doesn’t mean you have a valid case against your employee. If you make a claim, you must have strong evidence to prove everything. Your employment lawyer is your key resource for unbiased advice. 
  2. Deal with the circumstances better. Employees often don’t file discrimination lawsuits because they are scared of the consequences. They are also not sure as to how they should proceed ahead to get a favorable verdict. Your lawyer can also help evaluate the true worth of your claim. When you hire an employment lawyer, they investigate the case and will gather evidence on your behalf. 
  3. Fight the battle hard. Proving everything in a discrimination lawsuit is critical, but you may end up on the losing side without evidence and legal expertise. A fight against your employer, which could be a big company, cannot be pleasant, and while friends and family can offer support, they cannot advise on legal things. The good news is most attorneys offer a no-win-no-fee warranty, which means you don’t pay the lawyer until they win a settlement. 

Before hiring an employment lawyer

First things first, find an employment lawyer you can trust. Recommendations and online reviews can be really handy for comparing your choices. Secondly, consider if the lawyer has experience of representing clients in court for discrimination cases. Don’t shy away from discussing their top cases and landmark settlements. A good lawyer should be accessible, and more importantly, they should be able to explain the pros and cons of your actions. As for the fee, it depends on the facts of the case. An employment lawyer usually charges a part of the settlement as their fee, but they may work on an hourly basis in some cases. 

Don’t forget to call an employment lawyer in NJ for your case. It would help if you had a strong legal team to win this one.

Categories
Business

IS BUSINESS BOOMING? AVOID THESE COMMON MISTAKES FOR YOUR GROWING BUSINESS

Is Business Booming? Avoid These Common Mistakes For Your Growing Business from Plooto
Categories
Business

Four reasons to introduce automated timekeeping

Time is the most valuable resource, and, unfortunately, not always the company’s employees manage it correctly. An automated time management system can help solve this problem.

The system works simply: readers are installed at the entrance to an office building or office, to which employees show their IDs (access cards, smartphones, fingerprints) when entering and exiting. The system remembers this information and allows you to generate reports based on it.

According to PERCo, a manufacturer of security equipment and systems, the rate of tardiness and absenteeism decreases significantly after the introduction of automated time tracking in companies. Improved labor discipline has a positive effect on profits by increasing labor productivity. If we take a company with 100 employees and an average salary of 4 thousand USD, then if each employee reduced their lateness by 10 minutes per day, the savings would be 12 thousand USD per month. The system also allows you to correctly calculate wages – based not on the conditional eight hours per day, but on the actual time worked.

If access control systems are already in place in the building, the same equipment can also be used to record time and improve discipline. The system records who entered a room, when, and for how long, which prevents employees from moving around inappropriately and improves discipline. If the building is not equipped with an access control system, LICON terminals can also be installed at the office door to keep track of working hours.

For many managers it is important to be able to monitor the situation even at a distance, for example, while on a business trip, and modern systems of automated time recording allow you to do this – just a smartphone or tablet.

Yes, with automated timekeeping systems you can not only monitor but also inspire employees. This is facilitated by the “transparent building”: monitors in common access areas display images from cameras installed in different offices or even remote branches of the company. By seeing the work of their colleagues, company employees feel a sense of belonging to a common cause.

In addition, while previously it was thought that automated timekeeping was synonymous with harsh working conditions, everything has changed with the advent of the flexible schedule algorithm. Employees feel comfortable being able to be late and work that time later.

The timekeeping system automates the filling of timesheets, reducing labor costs and eliminating the human factor. The flexible schedule is supported by the CRM integration module, so even if an accountant keeps track of actual hours worked, rather than the conditional eight hours per day, he receives a time sheet in a legally approved format.

Employees of HR-department do not need to waste time on control over employees’ discipline: all information about violations is recorded automatically and is available in an easy-to-view format. The system also allows you to generate justification documents to legalize sick leave or other absences for a valid reason.

Categories
Finance

Know the Claim Settlement Process of a Term Plan Before Purchasing One

The insurance market is vast. After all, it is one of the most required investments that one must have for their loved ones. Today, there are many options to choose from for a term plan; we have limited pay plans, appreciating cover plans, staggered payout plans, return of premium plans, and many more. The collection is enormous, and almost all of them offer huge benefits. Since the nature of a term plan is to help the nominee in the most challenging times, the process to claim the death benefit is simple. However, it is important to go through all the technical details of a term plan before you settle for one.

1. Do your research

As you choose to purchase a term protection plan, do an intensive search on the plans accessible. You can look for the term insurance premium plans and the provisions across the diverse insurance agencies to pick the one that is best for your necessities. Another angle you should weigh in is understanding the insurer and their history.

2. Look for Add-ons

Term plans offer riders at a sensible expense which ought to be surely considered by you regardless of probably not fitting in your prerequisites. Additional riders, for example, waiver of premium on disability and waiver of premium on sickness come at a low premium, while waiver for critical illness cover is the costliest. Subsequently, you should examine whether the extra advantages coordinate with the term insurance premiumcharged. Furthermore, read the fine print of all the additional riders as they will in general be diverse for various insurance agencies.

3. Consider Tenure Carefully

Consider picking the longest-term plan. This is because in case you choose a shorter plan; you are locked during that time and cannot broaden the same later. Then again, when you pick a longer plan, the term insurance premiumremains the same throughout. In case you wish to stop at a later stage, you can do that with no extra charges.

A term protection plan is an agreement between you and your backup plan, and it will help your family when you are not there. It is to your greatest advantage to pick the right arrangement for your family by considering each one of the variables mentioned above.

It is important to analyse the death benefit considering your age, income, liabilities, and present health conditions using a term plan calculator and determine the premium you will be paying for different plans.

Here’s how you can start the Term Insurance Claim Process:

Purchasing a term protection plan is a difficult choice. All’s fine when you purchase the plan. But, when you need it the most, you might feel like you should have understood the process earlier and better. To make sure your family does not have to go through this, here is what you need to know!

The insured, relatives, or the nominee can send a claim application to the insurance agency at the earliest opportunity. In spite of the fact that your family might be in distress, they should not postpone making the case. This is to keep away from any complexities simultaneously!

There are different advances associated with documenting a term insurance claim process on a term protection plan. If the insured dies an untimely death, the recipient must inform the insurance agency right away.

In addition, keep every one of the necessary documents ready. Other than this, prior to informing the insurance agency, this is what you must make sure of:

• All the charges are paid on time.

• The recipient of the plan remembers the exclusions.

Documents required:

For any death that happens following three years of owning the plan:

•         Claim application structure (given by the insurance agency)

•         Certificate of death

•         Policy report

•         Deeds of assignments, if any

•         Legal proof of title if the plan isn’t nominated

•         Form of release executed and experienced

•         Last clinical specialist’s authentication

Like any other application, clinic authentication, employer’s testament, or police examination report might be needed to be produced. A postmortem report is required for death within three years of taking the plan, besides all the documents mentioned above. This gives the insurer some more opportunity to explore the case before settling your claim.