Archive for the ‘Practical Issues’ Category

How to Cut Your Phone Bill Down to Size

Tuesday, June 15th, 2010

Author: Harvey McEwan

Ever opened that dreaded phone bill and spent even more than the month before but don’t know how? Many people will understand that feeling which isn’t helped by the fact your mobile phone is such a valuable everyday item that you couldn’t imagine living or working without. Out of control phone bills needn’t be the case however as there are plenty of ways in which you can reduce your phone bill without cutting down your talk time or loosing touch with friends and clients. (more…)

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What to Bring with You to a Property Tax Attorney

Friday, June 4th, 2010

When you schedule an appointment with a property tax attorney, you need to go to his office prepared. If you do not take along all the necessary documents and information, your first visit may be a waste of time and money, necessitating a return trip with added fees. When you call the property tax attorney, you need to give your full name, property address, and how to contact you if needed. Being prepared is very important when dealing with any tax information. (more…)

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Using a Property Tax Attorney

Thursday, June 3rd, 2010

If you are concerned about any of the statements on your property tax bill–especially the property tax assessment value–you might want to consult with a property tax attorney. Although you can do the process yourself, you may feel overwhelmed by the legalities and find it necessary to have help. You can look in your local phone book under the attorney’s ad and look for a lawyer that specializes in property taxes. You may need to talk to a few attorneys before you find the one that can help with your case. (more…)

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What Really Affects Your Property Taxes

Friday, May 28th, 2010

The first thing that affects your property taxes is the spending habits of your school district, other taxing districts, county and city. If the school district has big plans for renovations, new computers, raises in salary or anything else pertaining to the school district, you may see an increase in property taxes to support their spending. Keep in mind that there is a point when the state draws a line on how much can be charged to your property taxes. Many school districts have to find other means to accomplish everything on their agenda because they are only allowed so much money from taxes. (more…)

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What Is Included In Personal Property Tax

Thursday, May 27th, 2010

Property tax and personal property tax is different because the property tax deals with the building and land. Personal property tax deals with vehicles, boats, planes motorcycles and other motor vehicles. Any type of artwork is subject to personal property tax. If you have a business, any of the inventories is subject to personal property tax as well as bonds or any stocks. The only thing not subject to tax is household goods or personal belongings. The state, rather than the community, governments more commonly do personal property taxes. This, however, may be different from state to state. (more…)

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Understanding Your Property Tax Bill

Wednesday, May 26th, 2010

Taxes tend to be one of those “thorn in the side” issues and property taxes are no exception.  We’re going to focus the next few blog entries around things that can help relieve some of that pain. We’ll start by making sure that we are all on the same sheet of music. The first thing to understand about your property tax bill is the terminology. Many people look at the tax bill and see a bunch of numbers that have no meaning to them. In reality, they do have a special meaning to the property owner. If you do not understand what the sections on your property tax bill mean, you might not know if this bill is correct or not. Here are some terms that you need to understand when looking at the tax bill. (more…)

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Options to Consider Before Bankruptcy

Tuesday, May 4th, 2010

Debt has become a MAJOR factor in the lives of many people.  Getting out of debt is rapidly becoming an essential endeavor and is being undertaken by many in today’s economy.  But, in some cases, bankruptcy may be the only option.  We wanted to give you some things to try before you attempt to take that big step and claim bankruptcy.  In some cases, there are options to eliminate some of your bad debts in a more suitable manner. (more…)

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What to Know and Ask About Disability Insurance

Monday, May 3rd, 2010

The commercial featuring that loud, quacking duck has gone a long way to making people think about individual disability coverage as a way to keep bills paid if the family breadwinner gets sick or injured over an extended period of time.

It’s true — individual disability insurance is more important than ever, and every working individual should have it.

The key is shopping smart for that coverage. A financial planning professional is a good first stop for advice on that coverage, which should be considered as part of an overall financial plan.

Why is it a good idea to have personal disability coverage, particularly when most employees can buy such coverage at work for a nominal fee? That’s because most employers offer disability coverage that lasts 12 weeks or less and covers less than 60 percent of a worker’s pretax income. That might be workable for a surgery or injury with a relatively quick recovery time on the couch, but a diagnosis for even the most curable cancers can put workers with even the best financial coverage into a devastating financial bind. (more…)

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Cost of cash advances

Tuesday, March 23rd, 2010

So, exactly how do cash advances from a credit card work?

We all know that credit card companies survive by what we don’t know and this is no exception.  Many consumers are simply unaware that every time they use their credit cards to withdraw cash, there are extra fees that are charged.  Here are the biggest ones: (more…)

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Stepping In Financially For An Older Relative at a Time of Need

Thursday, March 18th, 2010

No one wants to give up control of their lives. That’s true for someone who’s 20 or 80.  But if you sense an older relative is slowing down, or if a serious illness is threatening the finances of any loved one, it’s time to fashion a battle plan.

A good first stop is a financial planner – a financial expert with the experience to step into a tense situation and help you create a system for locating key information so you can make the necessary critical decisions. Of course, the best way to set up a system is to work with the relative before there’s a problem or in the early stages of illness. Some suggestions: (more…)

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