5 Tips for Choosing the Right Bankruptcy Attorney for You

Filing a bankruptcy is a big life choice. As I have written in previous posts it is not nearly as scary as people assume it to be. That said, it is important to choose an attorney who knows what they are doing and who has a reputation for good client advocacy.

You don’t want to get stuck with someone who won’t return your phone calls, is rude, or who gets disbarred after they start taking your money.

What follows are some tips for choosing a good bankruptcy attorney.

1. You can find attorneys with bankruptcy expertise by using the attorney finder function of NACBA. NACBA is the National Association of Consumer Bankruptcy Attorneys. Attorneys that you find on this site have paid dues to the organization which I believe shows that they are committed to the bankruptcy field. You want an attorney who files bankruptcies regularly, not once or twice a year.

2. Another good source is your local bar association. Contact your local bar association and see if they have a referral service. Referral services generally require attorneys to have 5 years of experience in the field you are looking into. They also often require that their attorneys they refer clients to have completed continuing education courses in the field you are looking for.

3. Ask around about the attorneys reputation. If you do not know anyone who has used them, look online. Attorneys are rated by While their methodology may not be perfect, (for example, you might have a great attorney with 20 years experience who has a rating of 7.0, on the other hand you might have one with 2 years experience with a 10.0.) I am not sure how accurate the ratings are, but you can at least see if they have any reports of misconduct.

4. Go to a free consultation. Most bankruptcy attorneys will offer you 30-60 minutes of their time to figure out if you are a good candidate for bankruptcy and to determine how complex your case is. This really serves an additional purpose of helping you to determine if it is someone you would be comfortable working with. Some attorneys do charge a consultation fee. If this is the case with the attorney you want to meet ask them if they apply that fee to the overall attorney’s fee. Even if they do charge an additional fee for the consult, it may be worth it if their reputation is sterling.

5. Ultimately, make the decision using all the information at your disposal. If they were referred by a reputable source, if they have a good reputation, and if the fee is something you are comfortable paying, be confident in your choice to go forward and provide your attorney all of the information that ask for. If you have done this, chances are your case will go smooth.

Best of Luck,

Steven M. Palmer, Esq.
Licensed in WA and OH

Effective Tips For Choosing A Right Bankruptcy Attorney

Nowadays we hear lots of people losing their jobs as unemployment is increasing a lot. We can never say that we will not face the situation as the unexpected happens. We should be ready with the solutions for the life’s most unexpected and complex financial problems.

In case if you are unable to come out of your financial problems, then you can consider bankruptcy filing. But, you should be aware of how to choose an attorney. Choosing an experienced bankruptcy lawyer will make a big difference to your financial situation. Consult the attorney before making a decision as it will impact your financial situation. Search the internet and come to a decision by reviewing all the recommended lists of your state’s bankruptcy lawyers.

Bankruptcy laws exist to give a solution to the person who is overburdened with debt and want to start freshly. These laws change frequently, in order to get most out of these constantly changing laws, a debtor needs a smart and experienced lawyer who deals entirely with bankruptcy. If you are in financial hardship and have a need of attorney, below are few things to take into account while choosing.

Gather a list of bankruptcy attorneys: Call the local bar association, talk with your friends and neighbors who have already taken the help of bankruptcy attorneys for reference, browse the internet to find attorneys in your area. After collecting a list of bankruptcy attorneys, depending on what type of attorney you need – consumer, commercial, business or personal, choose the best bankruptcy attorney. Call the attorneys personally and talk to them, this will help you to narrow down your choices and helps you in choosing the best attorney.

Consult the attorneys personally: Bankruptcy attorneys provide free consultation for first time, if the attorney charges the fee move on to the next attorney in the list, speak with attorney personally and find out how much experience he has and number of cases they have handled successfully. The bankruptcy attorneys should be able to provide detailed information about the bankruptcy from the scratch. If they don’t provide the information confidently for the questions you ask and look unclear, move on to the next attorney.

Find out the amount you have to pay: Ask the attorney about the amount you have to pay fully from beginning to end. Depending on where you live and the type of debt you are in, the bankruptcy attorney will charge you $1,000 to $3,500. While choosing the bankruptcy attorney don’t always choose the cheapest one. Find out which attorney is more qualified and who has good experience. Some bankruptcy attorneys will ask you to pay the fee fully in advance before filing the case. Talk to the attorneys in advance and come to a conclusion.

Options with the attorneys: Discuss all your options with the attorneys, make sure that the attorney you choose is ready to work for you, there are several attorneys who file your case without having interest to take up the case for quick fee. You can find out easily whether the attorney you chose is really interested to take up the case by interviewing the attorney.

Ratings and reviews: Check out the ratings and reviews about the attorney from your friends and internet.

Surely all the above steps will help you to find out good bankruptcy attorney; as a result you will hopefully get out of your debts.

How to Find Attorney Job Opportunities?

If you are a young man and loves hard work, then you should pick up a profession that perfectly matches your character. One such excellent job that you can choose is attorney jobs. Law jobs have become quite popular these days due to many reasons.

Attorney jobs are considered as one of the most respected jobs in the field of law. However, it is quite challenging to become a successful attorney. Right after your graduation in the law school, the first thing you need to do is to search for job opportunities. Since many people apply for the post of attorney jobs, it is quite difficult to find yourself a job. Always remember that once you pass exam, you will not have the privilege of applying for all types of attorney jobs. It is advisable to wait till you get the right opportunity.

It is your responsibility to search for attorney jobs. You can consider few advices that can really help you out in finding the proper attorney job opportunities. The first you will have to do is to take part in networking events. This will greatly help you if you are looking for a job in the law. You need to ensure that you are attending the right type of networking events. This way you will be able to get the greatest benefits.

The networking events are mainly funded by several institutions. Some events are even sponsored by bar associations, law firms, political organizations, social clubs, and universities and so on. Few others are sponsored by restaurants, nonprofit organizations, public libraries etc. It is quite unclear that what types of events will typically be useful for you. Therefore, you are recommended to attend as many networking events as you can.

Another way to search for attorney job opportunities is job portals. Currently there are many websites that provide information about job opportunities throughout your state. It is ideal to go through the reviews of the particular site before you could take any kind of decision. Ask your friends and relatives about particular websites they might have utilized. This will ensure that you are choosing the right type of website.

You can also find attorney jobs by maintaining contact with your own law professors in the law school. At some point in time, these professionals might have worked in a legal institution and might have good connections with other institutions as well. So always be in touch with your law professors even after your graduation.

Select the Best Attorney Using the Internet

In this era of Internet we can find anything online. This includes the capability of finding an attorney for your case. We all use the search engines to find relevant, informative information. While searching for an attorney you can use the Search Engines to get an extensive list of the attorneys in your area. You can then proceed to narrow down the list in order to help you find the best possible attorney for your case.

You have to follow certain procedures to get results that are accurate and up to date. To begin with, you have to enter specific keywords to start your search. This may be something like “Attorney Augusta” or “Personal Injury Lawyer in Georgia”. To get most relevant results it is a great practice to enclose your search phrase within quotation marks.

To get more relevant results for the attorneys in your city or county you may proceed to search for the exact attorney of your need like criminal defense attorney, divorce attorney, etc.. Search for terms using a combination of the type of attorney you need plus your city or state.. This way you will get results of websites of actual attorneys in the city/county in which you live.

To further narrow down your search for an attorney practicing in a particular branch of law within your city, you will need to be very specific regarding the type of attorney you are looking for. For instance just searching on “Attorney Augusta” will bring up a list of attorneys who practice is various forms of law. You obviously need to be specific by searching on the exact type of attorney you are looking for. This will narrow the search methods and produce very few results that are straight to the point.

When you do not get what you want using the above method, you may get better results by modifying your search term using split search phrases. This will give you hundreds or even thousands of relevant results. Of course, you need to spend some time weeding out the irrelevant results and the ones you do not need. You can also use online directories to find attorneys in your area. Finding the best attorney for you case is crucial! Be patient and search wisely.

A Beginner’s Guide to Buying Shares Intelligently

Practically everyone takes a flawed approach to buying stocks. So, practically everyone ends up with a rotten loss-making portfolio.

So here’s a beginner’s (or for that matter, even an expert’s) list of dos and don’ts…

But remember… you have to do lots of “donkey” work to become a successful “bull” on the stock markets. You must also have monumental patience and play stocks with a long-term perspective. Hoping to multiply money in quick time is a definite recipe for disaster.

1. First and foremost, you have to understand and appreciate that when you are buying stocks you are NOT buying some symbols on the screen. Instead, you are buying an underlying business. You are becoming a partner in that business. Therefore, you share its profits and its losses. That is why the term… shareholder.

2. It is but obvious that you have to buy sunrise businesses. If the products and services of any industry are not in demand, it would be foolhardy to become a partner in such businesses.

3. However, quite often, two companies in the “same industry” follow diametrically opposite paths… one profitable and the other losing money. The answer to this oddity lies in the quality of entrepreneurship. Good managements make good businesses. Bad managements fail frequently. Backing proven managers is, therefore, the most sacrosanct and inviolable principle of investing in stocks.

4. Sometimes even good managements and good businesses go through tough times. Therefore, apart from ascertaining that the company is running a good business and managed by a good team, you have to ensure that it makes good sales and earns good profits. Never invest in a loss-making company, unless you see strong signs of a turnaround in the near future.

5. Operational performance is one part of the story. The other significant aspect is its financial foundation. All businesses have to withstand the vagaries of the economy. For example, too much debt may not be an issue during good times. But it can seriously threaten even the existence of the company when economic conditions turn bleak. As such, strong balance sheets always make a dependable choice.

6. Wait… a company with excellent business, excellent management, excellent financial strength and excellent profits, is not the green signal to cut your cheque. No. There is one more critical parameter – its market price. If the price is too high relative to its underlying valuation, even excellent shares will not make money for you. A reasonable PEG ratio determines a reasonable stock to buy.

This is the safe, sensible and steady approach to buying shares. It would surely give you a lot more winners than losers. And, to succeed you don’t need ALL the players to do well. A few good performances, backed by at least average play from others will definitely win you most matches.

Buying Shares – Tips For Beating The Stock Market

In the present uncertain economic climate, many investors are wary of investing in the stock market. Some are even asking whether they should stop buying shares, and invest in items that are traditionally viewed as less risky, such as gold or government bonds. While it is true that investing in stocks and shares is risky at the moment, it should be remembered that such risk always exists, even in the middle of a stock market boom. There is no reason why the astute private investor cannot buy shares today and secure a handsome return overall in the long term, and this article offers tips on how to achieve that.

It is important to say that profit can’t be guaranteed on individual share purchases. For a variety of reasons – wider market conditions, global recession, issues specific to the company or group in question – it can happen that the price of a stock falls below the level at which it was purchased, and stays there. In this case, a classic strategy by small investors is to hang on to the stock until they can receive how much they paid out. This is wrong, as it can lead to an investment tied up long term in a moribund stock: it would be much better to sell at a loss and invest in shares that are likely to rise and make a healthy profit, over and above the money originally paid out. When buying shares it pays not to be too inflexible in strategy, but to be open to opportunities to make money, even at the risk of taking a temporary loss.

When buying shares initially, or when selecting which shares to buy, research is the key to avoiding losses. Never buy on a whim: always thoroughly research all of the issues surrounding any purchase. There are a number of different areas it is essential to research.

The first is to conduct general research on the stock market as a whole. Is the recent market trend for shares to rise or fall in price? Are any sectors performing better than others? Will any recent national or international events affect the performance of the market as a whole, or of individual sectors? All of these can determine which types of shares may be ripe for purchase. Places to research this information can be national newspapers and magazines, financial and political websites, and publications and websites particular to the stock markets themselves.

Once a sector or even individual company worthy of investment has been selected, then the relevant sector of the economy must be researched. Who are the big players? What are the trends in that sector? Is any new technology imminent that will change how the sector operates, bringing in new companies? Are any companies in danger of failing, and if so what is the cause? An effective analysis of these factors is of great use in finding a company to invest in whose stocks are undervalued and likely to rise. Sources of information can be trade magazines and websites, trade association publications, specialist scientific/technical magazines, and the usual financial publications and sites.

Finally, once a company has been selected it must be researched in detail before shares are purchased. What is the company’s trading record over the last five, ten or even twenty years? Is it profitable? Are there any potential threats to its income? Are there any new innovations it is developing that could boost income? How does it perform in relation to comparable companies in the same sector? All of these factors must be researched in detail before a decision is made to buy shares: a large amount of money could be lost if any corners are cut.

So it can be seen that many factors can influence the decision on which shares to purchase. Here are some key points to remember:

Be prepared to make a loss on individual stocks to ensure long term profits.
Never buy stocks and shares on a whim.
Research the stock market as a whole. What sectors are ripe for investment?
Research the target sector. Which companies’ share prices are undervalued compared to their potential?
Research the target company in detail. Are there any hidden problems? How does it compare to the rest of the sector?

Buying Shares

There are two different ways you can purchase shares; the first is from the actual company right when the shares are first being offered. This is when the company is trying to raise money by offering out shares to be bought by the public. The second way is to buy shares from other investors through the share market.

Before buying shares, you will probably need your funds available, as this will be required by most firms when buying shares of stock. In addition, you should also set up a trading account before trading as most brokers require this. Shares are always bought through stockbrokers, so before you start buying stock shares, you’ll need to find a stock broker.

There are many different types of brokers, some deal over the phone, some use post, and many use online services. Online dealing is the cheapest and most brokers use that nowadays. When choosing a broker, make sure that they are suited to fit your specific trading requirements, and that they provide you with quality information and quick execution when buying and selling stocks. Also, they should be well versed on the markets available and the different costs of services and shares.

When buying shares, many people like to do their own research on which shares to buy, they educated themselves and research on certain shares and then make well informed decisions on which ones to buy. People who do this will only need a broker to execute the actual act of buying the shares; these brokers are called execution-only brokers. These brokers will not provide you with any types of advice on which shares to buy, because the decision is yours, they’re only job is to buy or sell the shares for you. They may, however, offer a variety of different types of research tools and online tools to help get a background on the market.

The second type of share buying service is called the Rolls Royce service. These brokers will offer you a large amount of advice, they will help you to form trading strategies and try their best to suit your personal financial plan. These brokers will also help to advice you on buying shares and help monitor your investments, although the final decision rest on the client. There are some broker services however, which enable a broker to buy or sell different shares without having to ask for approval from the client. To do this, one must have a high amount of trust in the skills of the broker, this service can also prove to be very expensive as it is very highly tailored to the individual and require a lot of research from the broker.

For those who are very new to the market, you may need a broker that can help to advise you on which shares to buy or sell. Execution-only brokers are much cheaper services, however, and some brokers will not accept you as an advisory client unless you have a large amount of money to invest.

Shares Trading – How to Buy Shares

A share is defined in the world of finance as a unit of account for various financial instruments including stocks, mutual funds, limited partnerships, and REIT’s (Real Estate Investment Trust). In the English language the use of the word share to refer solely to stocks is very common and it has come to be synonymous with the word stock itself.

In laymen terms, a share or stock is a document issued by a company that entitles its holder to part ownership in the company. A share can be issued by a company or may be purchased from the stock market via a stock broker. We often hear the term “dividend” in the news media but people new to share trading can be sometimes be confused as to what exactly a dividend is. Dividends are payments made by a corporation to its shareholders. It is the portion of profits that the company has earned paid out to shareholders. Corporations can either re-invest their profits in the business, or pay profits out to the shareholders as a dividend. Often times, corporations will retain a portion of their earnings and pay the remainder as a dividend.

Dividends are one reason why share trading is so popular amongst investors and traders. If the company you own shares in makes a profit and pays out a dividend, you will earn the dividend and still hold your share position. If you choose to sell your shares you will make a capital gain in addition to the dividends you have earned over the years, a capital gain is the money you gain if your shares have increased in value since the time of purchase. However, it is also possible to incur a capital loss if you sell your shares at a price below what you bought them for. Proper research before buying shares in a company is crucial; if you find a company with good long-term growth prospects you can reap the benefits of increasing capital gains while simultaneously collecting dividend pay outs.

Buying shares is very easy today with ease of access that the internet has brought about. There are a few different ways in which to buy shares however, some people prefer to use a stock broker, this is a person or a firm that trades on behalf of the client, you tell them what you want to invest in and they will issue the buy or sell order. A full service stock broker will provide various services, at a fee, some of these services include investment research advice, tax planning, and retirement planning. There are also discount brokers who will allow you to buy and sell shares at a low rate but don’t provide any investment advice. Finally, for people who do not need or want assistance from an actual stock broker there are online brokers that allow you to buy and sell shares entirely over the internet with no need for a human stock broker.

Share trading has exploded in popularity recently with the advent of wireless internet and ever expanding Wi-Fi “hot spots”. It is entirely possible to now buy and sell shares in a company over certain cell phones that are internet enabled. For most retail traders and investors who spend the time to do a little extra research on shares of companies they are interested in buying, share trading is very lucrative and is a great way to diversify your finances. Share trading allows people to participate in all kinds of sectors, brands, and services. The ease and simplicity of internet share trading has made it possible for anyone who is interested in buying shares to do so.

Buying Shares – A Simple Share Buying Strategy

Have you been wanting to buy some shares but haven’t been sure when to take that leap? Taking the leap to buy shares can be hard to judge. So when do you buy into the market? It can be especially difficult for you if you are new to share trading. I think it is always a good idea to watch your chosen share for at least a week, maybe even a month if possible before deciding when to buy your chosen share. If you can stretch the watching out to the month it will be worthwhile as you will have a better idea of how the share works, and what price would be fair to buy the share at. If you wait much longer than the month you may miss an ideal buying opportunity.

This strategy is simple to execute and will ensure that you’ve bought at a fair price, it may not be the best price to buy the share but it will be fair. So here is a simple share buying strategy that you can use anytime regardless of how the market is tracking.

Divide the purchase of your chosen share into three parts. You will be buying your shares at three different prices. When buying shares this way it doesn’t matter when you get into the market, as it will even out the purchase price of your shares. If after your first share purchase the market goes up you have gotten you first share purchase at a discount, if it goes down then your next share purchase will be at a discount.

So while this may not guarantee that you will buy your shares at the best price it will give you an even buy every time. It doesn’t matter whether the stock market is bullish, bearish or even neutral you will have a high price, a low price and a price somewhere in the middle.

Tip: Set up a watch list

If your not sure what shares you would like to purchase set up a watch list of five to ten shares that you are interested in and watch how they perform. Most trading platforms will allow you to do this free of charge.

One Last Tip: Check the last five days

The Australian Stock Exchange website gives you the details of the last 5 days closing prices, high & low prices. It’s a great way to review where the share has been and if there are any trends. Most other stock exchange websites should be able to provide you with the same information.

Buying Shares Online

Post, telephone or online are just some of the media used to purchase and sell shares. These days however, people are taking more interest in buying shares online because it is the cheapest, fastest and most convenient way of dealing shares. Internet share dealing is considered as “execution only” which can be described as a system in which it is up to a broker who carries out instructions on your dealing like selling and buying shares online.

Some companies who offer internet share services, the activities are done in real time so that the client, in this case, you, are aware of the stock prices that you are paying for. There are many companies, however, that bundle up buying shares online, and most of them choose to trade during the end of the business day when the costs are down.

In and online share purchase, yours will most likely be a nominee account, which pertains to accounts held by another person for a beneficial owner. It is usually held by a stockbroker on your behalf. This is way your name won’t appear on the company’s register. However, since you are not registered, you will not receive company reports and any other perks associated to registered accounts. All the activities will involve a broker who will charge an agreed upon fee per stock that you buy and sell.

One important thing to remember when buying shares online is to always compare prices on the board. It will be towards your benefit to inquire about the current prices for basic trade and services applicable to those who trade daily called frequent trader service. There may be extra service fees like the cost of ISA wrappers that are self-selecting. Being familiar with these rates will help you become aware of the going fees and will also help you avoid hidden costs being attached at times when the offer is suspiciously low.

Buying shares online have gained wide popularity over the years because of the convenience it offers. For people who are busy and do not have the time to update, buying shares online is the best option for them. Aside from convenience, the internet offers numerous options in companies offering online share trading, this way; an interested buyer or seller can compare companies and what they have to offer.

There are many resources one can find on the internet regarding buying shares online. One of the most reputable companies that offer offline and online share trading is TD Waterhouse which is based in UK. The company offers convenient and inexpensive options for share dealing services and regular trading as well.

Learning the ropes of buying shares online is basically uncomplicated and easy even for those who do not have the experience. The rates are much lower than that of a broker who will buy and sell stocks for you, so you save more money which you can then use to buy more shares. Buying shares online is the most practical way when it comes to share trading.