A lot of people who think they need a business bankruptcy really dont.   They often need to do a personal bankruptcy, instead.  And they need to just dissolve their LLC or S corporation.  Does this apply to you?

You probably dont like to hear from me that you need to file a personal bankruptcy.  After all, Donald Trump has been through three or four business bankruptcies and NEVER filed a personal bankruptcy.  Why?

One reason is Donald Trump has business lawyers who make sure he doesnt put a personal guarantee on his business debts.  What about you?  Did your landlord, your bank, the yellow pages, and your supplier make you sign a personal guarantee?  (Mine all did.)  If you have a personal guarantee then your biggest problem is they will come after you,  personally, for those debts.  Filing a bankruptcy

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Online money transfers are known as one of the main types of financial transactions worldwide. In this global village, travelling to other countries becomes a very common thing. According to statistics more than 1 million retirees are having their residence abroad. You can imagine the volume of transactions to transfer money abroad, so Caxtons can make the entire process faster and simpler. International traders also continually buy and sell currencies earning profit. Companies need to transfer funds abroad when they have to pay foreign employees, expand its business or to buy foreign goods or property.

In the early days, the process of transferring funds abroad was not so easy. People had to visit the bank in person to know the process of exchange of currencies and exchange rates. Read full article…

Roth IRA is in layman’s words is nothing but an Individual retirement scheme which provides tax benefits upon withdrawal of money. Roth IRA is becoming increasingly famous , as one the most sought-after retirement by the people of today. More on Roth IRA retirement scheme can be got by a simple click on

roth-ira.org

Advantages of Roth IRA :

1 Your earnings i.e the ones you make in the Roth IRA account are not taxed as well the distributions you take , are not subject for any kind of taxation. Read full article…

Robert Powell takes a look at how energy prices differ depending on where you live…

Where you live can say a lot about who you are. But apparently, it can say a lot about your energy bill as well.

That’s because new research has revealed that some consumers could be shelling out an extra £180 per year on fuel bills just because of where they live.

uSwitch.com compared the cheapest, most expensive and average online tariffs across 14 UK regions. It

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An inexperienced bankruptcy attorney or financial counselor might advise someone to just get rid of their credit cards entirely. Makes sense on the surface, right? The thought process is that if you don’t have a lot of access to funds, you won’t spend as much, and it’s tempting to say you’ll never get a credit card again. But a cash-only existence doesn’t always provide for emergencies, or even make financial sense. As an experienced bankruptcy attorney, I usually recommend my clients get one credit card (and use it responsibly) after they receive their bankruptcy discharge.

That means for regular, necessary expenses and emergencies only (as I have often explained to my marketing assistant, shoes do not constitute emergencies). You should aim to fully pay the card off each month to avoid excessive interest charges.

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