Health Insurance: Why It Is Important

In case you don’t know, health insurance is a type of assurance that is given based on agreed terms in case the insured person falls sick or needs medical treatment. The insured life may have a chronic condition requiring medical care for years to come. Let’s know more about it.

Who will pay for the medical expenses?

This is one of the most common questions that people ask. If you have a health insurance, you can have the peace of mind that your health will be taken care of. Actually, it is a type of agreement or contract between you (policyholder) and the company providing health insurance. The purpose of the agreement or contract is to provide protection against costs. At times, the costs are so high that the sick person is unable to pay the bills. As a result, the person is unable to get the care he needs to recover.

While you will pay a monthly or annual premium, you should expect that the amount of premium you are going to pay would be far less than the amount you would pay in case of illness.

Keep in mind that health insurance is a type of benefit that a non-profit organization, private business or a government agency provides. In order to figure out the cost, the company gets an estimate of the collective medical cost of all of the people in the state. Then the risk is divided among the policy subscribers.

As far as the concept goes, the insurer knows that one person may suffer from huge unexpected health care expenses while the other person may incur no expenses at all. So, the expense is spread across a large group of people in an effort to make the health insurance much more affordable for all the insured lives.

Aside from this, public plans are funded by the government. Therefore, they offer extra health insurance to the vulnerable groups like people with disabilities and seniors.

Let’s take an example to understand the concept better. A person with Cerebral Palsy needs special treatment through their lifespan. It’s understood that a chronic illness costs a lot more money than a standard care. Cerebral Palsy may result in a physical impairment that may last for the whole life of the sufferer.

The treatment for this condition may require regular doctor visits, many therapies and long hospital stays. Based on the degree of impairment, you may need special health insurance. Many health care professionals will involve, such as vocational therapists, occupational therapists, physical therapists, orthopedic surgeons, radiologists, pediatrician, neurologists and so on.

Some patients may need the services of more than one. Some may even need a speech pathologist, registered dietician, cosmetic dentists or urologist, to name a few.

So, the coverage offered can help you get some relief as far as the burden of the expenses is concerned. If you don’t sign up, you may suffer from a lot of financial strain and you may need help from other sources like charity organizations and community groups. Therefore, it’s a good idea to benefit from a health insurance.

Comparing Car Insurance Policies Is Necessary and Smart

In this century, where every other insurance company will be hovering over to indirectly convince that they are the best, what you need to do is shop around and compare. It should be the only task on which you will have your complete focus if you care about the kind of leap you will be taking according to your economic standards. You have to make sure that your money and time and trust in not built on a wrong foundation. If it is, then there are chances that your reliability might falter and crumble down in your crucial situations, just because you didn’t take the trouble to look for the best policy plan and selected the first one that you laid eyes on.

Factors responsible for comparing the car insurance policies:

  • Different insurance companies have different comprehensive structures on their price list, premium rates, base rates and several other components. It is a mandatory need to go through the various plans offered by companies so that your ultimate quote is exactly according to the terms that you were looking for. Get to know the generic market rate and that rate might not only depend upon the price and model of your car. So, after comparing you can select the insurance company which will accommodate your needs in both quality and cost benefit in terms of that quality.
  • If you compare the policies, you have the upper hand in terms of gaining maximum by paying the minimum. There are certain choices that you have to make while consideration of IDV and voluntary deductible that is, the excess that the insured has to pay over the period of the claim. An online differentiation of the corresponding rates might help you get over the benefit of the doubt and set the cost range according to your requirement and the amount you are ready to invest.
  • Additional set of covers for your car which is your primary asset is mostly decided after you have weighed and balanced your requirements and the price you must pay to acquire those requirements. Hope to find the best fit after going through various add-on cover policies of different companies.
  • It has now become a tradition to give various offers on car insurance to just engage and increase the number of people getting insured from their company. Parallel correlation of all the features that come with the discount and the other offers need to be understood so that you eventually don’t end up missing a good deal.
  • Checking and re-checking the reviews of reputed resources is must. It is the final and yet the most important factor because it is only after reading a good review that you will decide to look over that company’s plan available in the industry. In case the reviews aren’t satisfying that human need for complacency, then you might not be interested in going through the compensation policy since you definitely won’t want to settle for less when it comes to your long term security.

Mother Waddles Car Donation

Mother Waddles is a charity that has been around for over 50 years. They started out with a soup kitchen and their services have grown from feeding and clothing the needy to providing working vehicles for the less fortunate. Since the Mother Waddles Car Donation program started they have received hundreds of donations of used vehicles, some in running condition and others not, but everything is appreciated and welcomed.

Mother Waddles Car Donation in Detroit Michigan allows you to donate vehicles in working and non working condition and as a result you can receive a federal tax deduction and assist the less fortunate at the same time.

Car Donation Process:

The first step is to complete the online car donation form or call the organization directly. The next step is to bring the vehicle down or wait for the towing company affiliated with the charity to call and set up an appointment, this usually occurs within 48 hours of your donation request. The towing is at no cost to the vehicle owner. The last part of the donation process is after the vehicle is picked up the owner then receives an IRS tax deduction donation receipt, this allows the vehicle owner to file a 1098-C form with the IRS to get a deduction on their taxes.

It is best when donating a car to have the title to the vehicle or at least a lien release, to allow you to sign the vehicle over to the charity. Always take off the license plate and remove any belonging before allowing the towers to take the vehicle. A vehicle can be picked up even if the owners are not at home. In this case the title and keys should be hidden in the car and a note should be left for the towing company alerting them as to the where about of the title and keys.

Mother Waddles Car Donations is a great charity that accepts vehicles from anywhere in the United States and the benefits are great, the owner can get a tax deduction and they can help those less fortunate in the process.

Factors To Consider While Choosing A DUI Lawyer

What happens when a night of enjoyment that involves drinks out with your friends turns out to be a nightmarish experience for you? If you are not careful, you could be caught in a case that accuses you of driving under the influence of alcohol or drugs. The severity levels of this case depend on whether you have been involved in an accident or not while driving. If you are randomly held by the police while driving under the influence of illegal substances, you could be let off with a severe warning and huge penalty charges. However, if you cause damage to the lives/property of other people in a drunken driving case, you are sure to receive a long jail sentence. Your driving license could be cancelled, and it would mean a serious dent in your life when you pursue other opportunities. This is why you need the services of a DUI lawyer, who gives his best shot to bail you out of this legal mess. So, naturally, you have to be careful while choosing the right legal partner.

Approach

When you are involved in a drunken driving case, you need a legal expert who explains the case frankly to you and tells you where you stand in the case, so that you are prepared for the judgement with an open mind. Choose an expert who advises you on the right strategy. Some cases demand you to plead guilty while some require you to opt for a negotiation. Your DUI lawyer should be able to guide you on the difference between the two and devise practical strategies for you so that you get the best possible result.

Specialist experience

You might find many legal experts in your area and your friend might offer to fight the case on your behalf for a reduced fee. However, you should steer clear from emotional decisions and choose a person who has specific experience in handling drunken driving cases before. These cases demand a thorough knowledge of the local drinking and driving laws of your locality; therefore, you cannot afford to take a risk by appointing a general lawyer for this case. You will need the experience and subject matter expertise of specific DUI lawyers if you want to walk out with a reduced punishment, even if you are found guilty in the case.

Breakdown of cost

Know what you are paying for. This is very important because it helps you to remain in control of your case. Never choose a DUI lawyer who is hesitant to put down his cost terms on paper as this would only mean that you should brace yourself for hidden costs later on. Agree with the price terms, the frequency of payment, mode of payment and breakdown of each and every element mentioned in the cost structure, so that you have a clear idea where your money is being deployed. DUI lawyers don’t come cheap; therefore, it is imperative to know the details. You need to remember that you should never prioritize on cost factor when you choose a DUI lawyer.

Cars For a Cure – Donating Your Car to American Cancer Society

Have you ever thought about donating your car to charity? The benefits of charitable car donation are pretty obvious, but with so many charities, which cause do you contribute to? One of the major charitable causes that you can turn your old clunker over to to benefit others is cancer car donation. Some of the biggest organizations contribute the funds they receive from selling scrap car parts to over to help cure various forms, such as breast cancer and lung cancer.

Cars For A Cure Program

The American Cancer Society is a reputable charitable organization where you can trade in your old car as part of the Cars for a Cure Program. Cancer – in its various form – affects millions of Americans each year and there are practically very few families that haven’t been affecting by losing a loved one to this disease. Making a donation means that you’re doing your part in “paying it forward” to save a life.

Donating to Cars for a Cure is not only free, but your donation is also tax deductible. The American Cancer Society uses the proceeds from teach sale for funding for cancer research, education, advocacy and patient services programs. Not only can you donate your old vehicle, but this organization also accepts trucks, motorcycles, RVs, trailers, or even boats. In order to donate, you can head straight to the official American Cancer Society website, fill in your information, and arrangements are made from there to have your vehicle picked up from your home for free. Official instructions and documents are mailed to your home in order to appropriately claim your “gift” for your annual taxes. While some charities accept inoperable vehicles, there are some noted restrictions you need to be aware of before you donate. Your vehicle must have a transferable title, four inflatable tires, and keys that are available to turn over at the time of donation.

Be aware that the law places limits on how much you can claim for tax deduction purposes. Currently the limit you are able to claim is $500 on your taxes. If the gross proceeds from the sale of your vehicle is above $500, you are able to claim that amount. In some cases, the American Cancer Society keeps the vehicle rather than sells it. If this is the case, this organization is required by law to notify you in writing. In most cases, the vehicle is sold, and you will receive an official receipt in the mail listing the gross sale price. Keep this documentation in a safe place because you’ll need it come Tax Time.

Donating a car to charity is definitely a worthwhile cause. There are other companies that can take away your old vehicle for free, but it is definitely worth it to have the satisfaction of knowing that your donation will ultimately help others.

Source by Isaac MacIntosh

Reasons to Buy Term Life Insurace

We all have different needs and wants in our lives, but one thing that most of us need is some type of life insurance policy. We all want to believe we are invincible and nothing will ever happen to us. And I hope nothing bad ever does, but according to Guinness World Records, (this is straight from their site) “the greatest fully authenticated age to which any human has ever lived is 122 years 164 days by Jeanne Louise Calment (France). Born on 21 February 1875 to Nicolas (1837 – 1931) and Marguerite (neé Gilles 1838 – 1924), Jeanne died at a nursing home in Arles, southern France on 4 August 1997.” This just illustrates that we are not invincible and we only get to enjoy this lifetime for a relatively short period of time so we might as well be prepared.

There are generally 3 types of life insurance: Term, Whole Life and Universal. I’m going to talk a little about term today. It’s what my wife and I personally have (as well as some whole life) and it’s what I believe the most in. Why buy life insurance? Here’s the short answer highlighting some of the main reasons of why you should consider buying life insurance:

  1. Pay the mortgage for your spouse
  2. Replace your income so your spouse can pay the monthly bills
  3. Pay any debt you may have so your spouse doesn’t have to worry about it
  4. Pay for funeral costs
  5. Finance future needs such as a child’s education or spouses retirement
  6. Continue a family business

Term Life Insurance

Today I’m going to go over term life insurance. It is what it sounds like. It is designed to last a specific period of time. At the end of that time, or when the term is up, the policy is finished. Typically at the end of the term the policy is expired and you pay no more premiums and you do not get any money back. There are variations of a term policy that allows you to get money back and renew it etc., but I’m only going to talk about a straight term. The different variations should be discussed with your agent to see what fits your needs. Term policies can be 5, 10, 15, 20, 25, or 30 years long. You get to choose the period of time you want the policy in force based on your personal situation.

Term policies are also the most affordable policies mainly because they expire at the end of the term and you get nothing back when it expires. I know that doesn’t make it sound like a smart choice, but it can be. For example:

Say you are 30 years old, are married, have a house with 20 years left on the mortgage and a 5 year old child. One option would be to get a 20 year term policy to last as long as the mortgage and long enough to get your child through college. After that you might not have a need for as much life insurance. Let’s say your mortgage is $100,000 and you want your spouse to be able to pay off the mortgage and have $20,000 a year to raise your child if something were to happen to you. $20,000 a year for 20 years plus $100,000 mortgage totals $500,000. That’s a lot of money, but that is a realistic number that your spouse would need if you didn’t make it home the next day.

A lot of people see that $500,000 and think there is no way they can afford that kind of insurance policy. You can. A healthy 30 year old non-smoking male or female should be able get a policy like this for less than $25 a month. I am willing to spend $25 a month for myself and $25 a month for my wife to make sure that we are financially taken care of is something happens to one of us. I probably spend more than $50 a month between food spoiling that I don’t cook in time or snacks at the gas station. If I can afford to do that then you better believe I will find $50 to make sure my family will be taken care of. If you are wanting to get a policy that gives you money back when it expires you will have to pay a little more, but you at the end of the term you will get back all your premiums that you paid. That’s why term policies are so attractive. A lot of coverage for a low premium.

Many people still don’t have life insurance to take care of their families. There are a variety of reasons for this. Below I’ve listed 3 of the most common excuses people give me when I talk to them. Remember, life insurance is one of many tools designed to help your family prevent a financial catastrophe.

1. I can’t afford it.

  • I already showed you it can be affordable. You don’t even need to get the exact amount you need. Just by having some insurance to make it a little easier for your family is better than nothing at all.

2. I don’t need it

  • Do you have a spouse and/or child? Do you think you may someday pass away? Then you should at least talk to an agent about options out there. Even if you’re single, someone will have to pay your funeral expenses if you pass away so you might want to look into getting some insurance as well.

3. I don’t have time to meet with an agent.

  • Really? You don’t have a half hour? How long is Chicago Fire or whatever your favorite show is? An agent will go to you and is willing to work evenings and weekends. Most of us can find a little time. Now there are even term policies that can be issued within 24 hours and don’t require a medical exam. The policies with no medical exams will save you all kinds of time.

Now, let’s go back to being invincible. We’re not. None of us are. We probably all have been to a benefit for a family that had a premature death that created not only an emotional hardship, but a financial one as well. That’s why there was a benefit in the first place, because the family didn’t have life insurance.

The bottom line, talk to an agent about life insurance. Just start the conversation. Find an agent you trust that has access to all the different options so you get what you need.

Powers of Attorney Fail to Prevent Guardianship

A general durable power of attorney (GDPOA) is often suggested as a means to avoid guardianship, or “living probate.” Although such a document is an important tool in a comprehensive estate plan, the GDPOA alone, or coupled with only a Last Will and Testament, may not provide the protection the maker seeks.

A GDPOA is a legal document that allows the “principal” to appoint another person (the “agent” or “attorney-in-fact”) to conduct the principal’s business and financial affairs on the principal’s behalf. This document is intended to help in the absence of a principal or during a time when the principal may be physically or mentally unable to conduct business. Since the document is “durable,” it will continue to be in force and effective even if the principal becomes legally incapacitated. In order to be effective for real estate transactions, the GDPOA must be recorded in the county clerk’s office where the property is located. A GDPOA is distinguished from a health care power of attorney, and a limited power of attorney by its broad scope and application to a wide range of financial matters.

A power of attorney that is not durable does nothing to aid in planning for diasability, incompetency, or incapacity, and does little, if anything, to avoid guardianship. A power of attorney that is not durable becomes void when the principal becomes incompetent of incapacitated. Consequently, of the differenct forms of powers of attorney available, it is the GDPOA that holds the most promise in planning for disability, incompetency, or incapacity.

Practically, though, GDPOA’s can be quite weak and ineffective. Even though powers of attorney are very common and the notion of a GDPOA has become very popular, agents bearing powers of attorney documents have not always been treated as if they stand in the principal’s shoes. Individuals and institutions routinely reject GDPOA’s upon presentation. Elderlaw Attorney Scot Selis writes at SeniorLawToday.com:

“If you’ve ever been frustrated by an organization’s refusal to honor a Durable Power of Attorney, you’re not alone. A power of attorney allows an individual to select another person or people to handle their financial affairs. However, many financial institutions frequently refuse to honor a properly signed and witnesses power of attorney.”

It is, indeed, frustrating for an agent to find his or her powers refused or disregarded in transactions on a principal’s behalf. But, refusal of properly executed a GDPOA also undermines the intent of the principal, who, in making the GDPOA, typically assumed he or she was making things easier for his or her family. Although an agent can petition a court of appropriate jurisdiction to enforce his or her legitimately exercised powers, the prospect of having to litigate transactions that should take place in the ordinary course of business is more than just frustrating. Litigation is expensive and time-consuming, and never the intent of the principal making the GDPOA.

The problem is so widespread that groups of attorneys have complained to legislators, Attorney General’s offices, and Departments of Commerce about banks requiring the use of bank’s own power of attorney forms and banks refusing to honor powers of attorney generally. While these complaints, over the years, have resulted in more uniform legislation governing the GDPOA, the practical problems remain.

There are a variety of reasons that an individual or institution might reject a GDPOA. The most common reason given is that the GDPOA is “stale,” or too old. This reason is not, however, based upon any legal right, privilege or responsibility of the bank or institution. Most states permit a GDPOA that has no expiration. Banks commonly reject these documents, purportedly, on the basis of their age.

Another reason given is that the GDPOA is not recorded. Recording a GDPOA is, as mentioned, necessary for conducting transactions involving real estate, but is generally not required for other financial transactions. Nonetheless, an individual or institution may demand that the document be recorded. Recording may not be in the client’s best interest, however, particularly if it is unnecessary. Once recorded, the GDPOA becomes a public record, available to anyone who might request same. A recorded GDPOA, certified by the county recorder, can be a dangerous instrument in the wrong hands.

Another reason that is often given for rejecting a GDPOA is that the GDPOA does not permit the agent authority to conduct the intended transaction. This reason is based in the law, because an individual or institution may be liable if the GDPOA is accepted to perform a transaction not authorized by the GDPOA. Moreover, if the individual or institution is put on notice that the agent is doing anything that is not permitted by the GDPOA, the individual or institution facilitating the transaction by accepting the GDPOA may be liable.

This potential liability is, of course, a major disincentive for individuals and institutions being asked to accept a GDPOA. This disincentive is particularly acute when the agent seeks to close an account or liquidate a policy or asset using a GDPOA, because the individual or institution cannot know the ultimate disposition of the proceeds. For example, if the GDPOA does not permit the agent to make gifts to the agent or to third parties, or if the law of the state prohibits such transactions, the institution may fear that closing an account or liquidating an asset may facilitate an improper gift.

Quite apart from the reasons given, the motivations for rejecting a GDPOA are many, and range from the proper to the ignorant to the improper. Proper motivations are many. Institutions may prefer the legal certainty and protection of probate court approval. In such a case, presentation of the GDPOA may actually cause or influence to cause an application for guardianship. The institution may, in good faith, suspect improper use of the GDPOA. The institution may even suspect that the agent is incompetent or otherwise impaired.

Improper motivations causing rejection of a GDPOA include a desire to keep and maintain control of an asset, impeding discovery of improper management of assets, undue influence of persons other than the agent, and disagreement with an agent’s intended use of the assets where the intended use is lawful. There may be, however, no way to distinguish the proper from the improper motivation, because one rejecting the GDPOA will never admit of improper motivation.

Compounding the difficulties in getting institutions to accept a GDPOA are the motives of family members seeking to control a senior’s estate. Many GDPOA’s are simply preempted by a family member filing for guardianship. Diane Armstrong, PhD, testifying before the Senate Special Senate Committee on Aging wrote:

“The majority of these [guardianship] petitions are filed by adult children who are seeking some form of control over the personal and/or financial affairs of their aging relatives. They are sibling battles rooted in issues of inheritance and control, often described as ‘thinly veiled pre-death will contests.’ Anyone who reaches 62 with coveted assets is at risk. As one forensic psychiatrist noted about these so-called protective proceedings, ‘For every $100,000 in a given estate, a lawyer shows up; for every $25,000, a family member shows up; and if there isn’t any money, then nobody shows up’ (quoted in Harold T. Nedd’s Fighting over the Care of Aging Parents, USA Today, July 30, 1998).”

Equally disturbing is the fact that courts often ignore GDPOA’s! The very document upon which most people rely in order to reduce the chance of a court-appointed guardian is often simply ignored by the probate court. Diane Armstrong testified before the Special Senate Commitee on Aging that:

“When an elderly individual is brought into court and forced to prove his or her competence, we soon see that the system does not work. We have a system rife with court-sanctioned elder abuse. Why? Judges override protections that have been put in place in the codes. It happens every day. Judges disregard durable powers of attorney – the single most important document each of us can create to determine our care should we become incapacitated…Judges ignore our lists of preselected surrogate decisionmakers. The current system does not work.

Consequently, GDPOA’s do not provide complete protection from guardianship. Particularly if a person foresees a need for such protection due to the size or composition of their estate, or due to the composition of their family, or due to a lack of unity in their family, he or she should consult with an estate planning attorney familiar with trusts designed to keep and maintain control of assets and decision-making outside of court involvement or control. Such trust planning, as part of a comprehensive estate plan, can afford a more comprehensive solution than a GDPOA and a Last Will and Testament.

Regardless, there are some strategies that can help increase the chances that a GDPOA will be accepted by an individual or institution. First, have the estate plan reviewed annually, and periodically re-execute the GDPOA. Second, provide institutions with copies of the GDPOA in advance of any illness. Request a letter from the institution acknowledging receipt of the GDPOA, and the result of its review. With a letter from the institution that the GDPOA document will be accepted, there is a greater possibility the GDPOA will be accepted in the future. At a minimum, there is always hope that the person who provides the letter is still at the institution when the GDPOA is used.

Third, execute the institution’s proprietary GDPOA. Some banks and brokerage houses require customers to sign their own power of attorney form to allow others to deal with customer accounts. There is, typically, nothing wrong with these short-form powers of attorney so long as they don’t revoke, but simply enhance, the provisions of the GDPOA. If there is any question or concern, simply obatain a copy and have it reviewed by an estate planning attorney. Finally, add the agents’ names to all accounts as an “agent” or “attorney-in-fact” before an illness strikes. Titling assets accordingly does not vest ownership rights in the agents, but increases the chances of the GDPOA being accepted without reservation when needed.

But, perhaps, the best strategy for planning for incompetency, incapacity and disability is a comprehensive estate plan including a trust.

2 Weeks Diet Plan

Statistics show that approximately 45 million Americans go on a diet

each year. In fact, most of them make an average of four to six dieting

attempts annually. This implies that their first three dieting trials often

fail. Ideally, dieting can be a puzzling process. It can take a toll on your

self-esteem. This is why most people quickly get demotivated and end up

ditching dieting for good.

If you’re currently battling with dieting and about

to throw in the towel, then maybe there are some things you’re overlooking.

Here are the top four reasons why most dieting attempts fail time and again.

·Impracticable and Unreasonable

Calorie Intake

Calorie budget is paramount and should be the first consideration to

keep in mind. Calories are a measure of the amount of energy in the food you

eat. If you’re putting yourself in starvation mode, then you’re hurting your

dieting efforts. When you consume very little food, your body virtually shuts

down to save fuel. This places you in a fat loss plateau. Though it is prudent

to lower your overall calorie intake, consider doing so in a manner that

doesn’t hurt your metabolism.

·Ignoring Filling Nutrients

Proteins and fiber are the recommended satiety-boosting nutrients

for dieters. Proteins break down at a slow pace thus giving the body a

long-lasting satiety. This helps to curb emotional eating and cravings.

Combining proteins with fiber from vegetables and fresh fruits can potentially

slow down digestion and cut down food cravings. Even though most crash diet

plans recommend vegetables, they discourage fruits. They also come with very

few proteins. If you want to hasten your dieting results, then make these two

essential satiety nutrients a focus in your diet plan.

·Unrealistic Meal Prep

A meal prep that takes an hour isn’t realistic. If your meal

preparation takes an hour or more, then that might be one of the top reasons

your dieting efforts fail. A basic easy-to-implement meal prep is ideal. A plan

that takes hours can steal your free time. Find a meal prep that matches your

lifestyle then get accustomed to it.

·Long-Term Aspect

A great diet plan considers the long-term aspect. However, a diet

plan that spans for several months can quickly discourage you. It’s great to

find a diet plan that comes with a specified deadline preferably two

weeks. It should not be too short

because dieting requires patience.

Even though dieting can be hard, carrying those extra pounds is even

harder. The recommended dieting time should be two weeks. A 2-Week Diet gives

you an outstanding foundation and motivation for a successful fat-burning

journey.

To harness the powerful psychology behind The 2 Week Diet, check it out here:

https://longfitnesslife.com/2weekdiet

Car Donation Programs

Do you have any used cars sitting in the driveway that you need to get rid of? There are many excellent car donation programs that can take your inactive car and not only help a local charity but help you as well by creating a tax write off as a donation. Not only will you eliminate an eyesore in the front yard but it could help take some money off your final IRS tax return.

There are many car donation charities to choose from. Some organizations also accept boats, motor homes and motorcycles. The key is to find an organization you can trust and one that will be fair with the trade in or actual value of the vehicle.

Some organizations that participate in vehicle donation programs are, Boys and Girls Club of America, Goodwill and some cancer organizations. Most cities have anywhere from three to five vehicle donation programs to choose from that are legitimate charities.

There are plenty of websites to reference that will let you know which organizations are the best at making sure their donations get to the people they are suppose to be benefiting. The web is full of car donation program sites, but it is always a good idea to stay local to make sure everything is on the up and up.

The usual procedure for car donation programs is to make the call to the charity and they will usually offer to pick up the car. From this point car donation programs will either supply you with a receipt at the time they tow the vehicle or they will ask that you come down and pick up the receipt after their appraiser has evaluated the car. The most important aspect of this process is to make sure registrations and pink slips are handled properly.

Why You Need a Bankruptcy Attorney

If you’ve found yourself sinking in debt, bankruptcy can start to look like an attractive option. Yes, you will lose credit and assets, but you will also be able to pare down your debt and get relief from harassing creditor calls. Some people try to file bankruptcy without the help of a lawyer, but there are some very good reasons why you shouldn’t attempt that.

Bankruptcy Law is Complex

First off, there are several different types of bankruptcy: Chapter 7 and Chapter 13 for individuals, Chapter 11 for businesses, and Chapter 12 for farm owners. Knowing which type of bankruptcy to file for is imperative. Too many individuals who try to go it alone end up filing for the wrong chapter, which results in the loss of valuable assets or in some key debts not being discharged.

A bankruptcy attorney can advise you on the type of chapter that fits your situation the best. He will also be able to inform you of potential tax consequences and asset losses you will face. For example, will your house and car be taken in the bankruptcy or will you be able to keep them? A bankruptcy attorney might be able to help you exempt certain assets, such as your house, from being taken.

No one besides a lawyer is allowed to give you legal advice. If you’re trying to do it on your own, you’ll have a difficult time getting answers.

Bankruptcy Forms are Complex

Have you ever tried to fill out a legal form? It’s complicated. In a bankruptcy, it’s easy to miss required forms that affect your case. There may be up to 20 forms that you need to file. Chapter 11 bankruptcies for businesses are especially complicated.

A bankruptcy attorney can show you how to fill out forms or even fill them out for you. In the legal world, if a form is filled out incorrectly or is missing information, it can hurt your case. It can cause your case to get dropped or subject you to fraud charges, in the event that the bankruptcy trustee finds out that you left out information. Everything you state on a bankruptcy form is filed under the penalty of perjury. It’s serious business.

Bankruptcy Procedures are Complex

When you’re navigating bankruptcy court by yourself, you’re responsible to read up on the proper procedures. Which form do you file first? Where do you submit your forms? How soon do you need to file them? Have you met all the eligibility requirements? Yes, you’ll need to qualify to file bankruptcy.

Self-filed bankruptcy cases frequently get dismissed due to administrative errors-failing to file the right forms in the right time frames, failing to provide documents, failing to show up at the meeting of creditors, failing to make payments on a Chapter 13 plan, and more. A bankruptcy attorney will keep you on your toes.

Bankruptcy is a last-ditch option to resolving an insurmountable financial crisis. While it’s not an easy process by any means, it will be much easier with a lawyer at your side.