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A quick look at common types of lawyers

A quick look at common types of lawyers

Law is an institution that protects justice and prevents society from collapsing into chaos, making lawyers crucial for a functioning democracy. Although all lawyers are supposed to be well-versed in court proceedings, negotiation, settlements, and other legal processes, each professional has their area of practice, i.e., a specialization. These divisions can define the roles and responsibilities of legal professionals. Here is a look at the common types of lawyers:

Family lawyer
Legal problems involving family relationships are handled by family lawyers. This includes domestic relations, such as guardianship and adoption, paternity, and child welfare. They prepare documents like contracts and prenuptial agreements, advise clients on family disputes, and help them settle conflicts.

Divorce lawyer
Divorce lawyers are also family law practitioners and are experts in civil law. They also handle issues like child custody, disagreements, separation, and more. They take on the role of representatives, defend the rights of their clients, and act as their counselors and advocates for those who want to dissolve their marriage. Additionally, they settle any other disagreements that can arise in the divorce process.

Corporate lawyer
A corporate lawyer’s job is to advise corporations on their legal rights and obligations to ensure the legality of business transactions. They also assist in the development of business strategies by discussing and offering legal advice to the board and drafting various agreements. Their responsibilities include overseeing business procedures to ensure compliance with the law.

Estate planning lawyer
An estate law attorney is well-versed in property rights, trusts, and wills. In addition to ensuring that tax and legal concerns are appropriately addressed, the estate planning lawyer offers legal advice on handling client assets. They make sure that all matters relating to the transfer of assets are properly addressed.

Tax lawyer
Tax lawyers help businesses and individuals understand complex tax rules and regulations and ensure compliance with local, state, and federal tax laws. They are experts in tax planning and tax law interpretation and can help their clients understand the implications of business decisions. The professionals keep up with changes in tax law as well as judicial and IRS decisions. Tax lawyers can help clients minimize their tax liability by making the right financial moves. 

Bankruptcy lawyer
These legal professionals can be experts in consumer bankruptcy or business bankruptcy. Bankruptcy lawyers offer financial advice, examine the assets and debts of their clients, and suggest the best course of action when deciding to file for bankruptcy.

Car accident attorney
Lawyers specializing in car accidents can assist clients in personal injury cases and pursuing damages after a car accident. They help people build car claims and gather evidence, offer legal assistance, negotiate with insurance companies, and demand damages for one’s losses or injuries. Additionally, car claim lawyers represent their clients in court to get compensation.

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4 simple tips to find the best cable provider

If you’re looking to subscribe to a new cable service provider, you might realize that the task is not that easy. A provider’s website might be difficult to navigate, and you probably won't find what you’re looking for. Additionally, they offer bundled services, which can add to your confusion, especially if you’re trying to navigate through the process for the first time. So, read on for a few simple tips for finding the best cable service provider in your area:Check what channels they offer in their packagesThe first step is to enlist the channels that are must-haves for you. Many cable service providers offer a large selection of channels, but their packages might not include all the channels you want. This can be because some individual broadcast networks may not provide services in your area. So, while shopping for the best cable services, you must ensure that the cable provider you’re considering provides you with the most number of channels on your list.Different cable providers partner with different broadcast networks, so you must get a package that includes standard TV channels and traditional network channels that you want to enjoy. Also, check whether they offer on-demand content availability options. The best cable services generally provide this as a part of their package, and customers can pay a little extra to enjoy TV shows and movies.Ask for bundled servicesThis is a brilliant way of getting additional services at almost the same price or simply saving money. Many cable and satellite TV service providers offer other related services bundled together.The most common package deal is a combination of TV and internet services because premium TV services often rely on a broadband internet connection. Some companies also offer a home phone line with a cable TV service, while others offer all three services: cable TV, internet, and telephone connections. Subscribing to these services together can help you save up to a thousand dollars annually. That said, calculate the prices of these services individually so that you know whether you’re getting them at a discounted price.Check whether they offer quality servicesThe weather of your area, the placement of the satellite, and the number of customers using the provider’s cable TV and internet connection directly impact the provider’s service quality. During bad weather, both cable and satellite TV services tend to display blank channels and have a slow connection, or the equipment fails to work. So, if you live in a place with unpredictable weather conditions, it’s best to look for cable services that offer a high-quality connection and equipment.Ask for promo deals and negotiateSome cable providers offer deals like discounts of $20 or more on the monthly price to new members for the first year. You can look for similar deals and compare them across cable providers. Also, ensure that you’re aware of the expiry date of the promotion so that you’re aren't overwhelmed by a higher than normal bill the following month.And, of course, negotiation works here too. A little negotiation can help you cut down on your monthly cable costs or get some additional services at the same price.

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An overview of Kelley Blue Book

Kelley Blue Book, The Trusted Resource® was founded in 1926 by siblings Les Kelley and Buster Kelley. As the years passed, the company grew to become a trusted source of information on anything automotive. Every week the company provides market-reflective values to its end consumers and the automotive industry. Kelley Blue Book is known to provide completely data-driven solutions and services, removing the hassle of any car-buying process and making lives easier. Services offered by Kelley Blue Book Since its inception more than 70 years ago, the company has strived to provide its consumers with reliable, vital information on cars, motorcycles, and recreational vehicles. It has become the standard guide for dealers and consumers alike and aims to provide them with unmatched services such as: Kelley Blue Book® Trade-In Values While the Blue Book is a guidebook that quotes and compiles prices for used and new vehicles of all makes, types, and models, it also has a lot for sellers. The "My Car's Value" tool can walk one through selling their car. Sellers get help determining a market range for the used automobile and are offered the price based on condition levels such as Good, Fair, Excellent, and Very Good. Kelley Blue Book® Price Advisor Tool The Kelley Blue Book® Price Advisor tool gives you a detailed report on where the vehicle falls in the fair market range. It offers a thorough breakdown of all the factors that affect the vehicle’s price. This includes history reports, dealership offerings, and even vehicle-specific insights. These help the customer make an informed decision based on all the information he/she needs before buying the vehicle. Kelley Blue Book Instant Cash Offer Vehicle owners who wish to sell their car immediately can get a genuine transaction-ready offer for a specific amount. This can be employed to purchase another vehicle within seven days and redeemed immediately during business hours, post-inspection. During the inspection, particular elements are checked, such as condition (dents, scratches, and other possible mechanical issues) and installed options. Vehicles sold by Kelley Blue Book The Kelley Blue Book provides a fair market range that reflects an estimated price range for specific cars according to their model, make, style and year. It comprises old and used vehicles, such as cars, motorcycles, and more. According to their size and other features, these vehicles often fall under various categories such as SUVs, minivans, trucks, hatchbacks, EVs, standard and cruiser motorcycles, sport motorcycles, touring motorcycles, dirt motorcycles, scooters, and 4-wheel ATVs. The guide encompasses vehicles of various popular brands, such as Audi, Aston Martin, Bentley, BMW, Cadillac, Fiat, Eagle, Ford, and GMC. Furthermore, it also includes names such as Hummer, Jaguar, Hyundai, Kia, Rolls Royce, and Volkswagen, to name a few. People looking to buy a car can also find detailed expert reviews on the official website. They can even search for the vehicle by mentioning the make, model, year, and zip code and find genuine feedback from other consumers as well.

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The 2020 Jeep Grand Cherokee – Specs, features, and price

When it comes to off-roading capability and engine power, probably no other SUV can outstand the Jeep Grand Cherokee. The 2020 Jeep Grand Cherokee is more capable and refined than its predecessors and is available in a wide variety of trim levels. To help you stay informed the next time you are at a Jeep Grand Cherokee sale, here is a list of its specs and features, and where you can find Jeep Grand Cherokee for sale. Performance The Grand Cherokee Limited X, the new trim level to the 2019 model, is powered by a 3.6-liter V6 engine that produces a horsepower of 295 and torque of 260 lb-ft. This robust engine offers a comfortable and effortless ride. One of the most impressive features of this SUV is its towing capacity of up to 6,200 lbs. You can also go for the upper trim levels that are powered by the superior V8 engine. The supercharged 6.2-liter V8 engine in the Grand Cherokee Trackhawk generates 707 horsepower and 645 lb-ft of torque, which delivers a towing capacity of 7200 lbs. The Grand Cherokee has the slick eight-speed automatic transmission and is available in the four-wheel-drive configuration. Features, technology, and safety All Grand Cherokee models are equipped with the ProTech I package.
02

Here’s what you need to know before looking for tire coupons

Unlike other parts of your vehicles, your tires undergo rigorous wear and tear. Depending on the number of miles you drive and other factors, you need to replace them every few years for the safety and optimum performance of your vehicle. While this may cause a dent in your pocket, one of the best ways to shop for tires is using tires coupons. Many big tire brands such as Goodyear, Firestone, and Bridgestone among others, offer tires coupons and promo codes as part of their marketing or customer retention campaigns. You can easily find tires coupons for brands such as Firestone, Bridgestone, and Goodyear on various coupon websites. However, you need to ensure that these websites are authentic and also check the expiration date on these coupons. Moreover, considering the safety concerns related to tires, you should only opt for the best tires from reputable brands like Goodyear. To help you pick the right tire for your vehicle here is a quick read on the benefits of purchasing tires from Goodyear. To find the right Goodyear tire for your vehicle, use the Tire Finder tool on the Goodyear website. Using any of the following three options, you can find the right tires for your vehicle.
03

Top trim levels of the 2020 Ram 2500

One of the best pickup trucks in the business, the 2020 Ram 2500 is loaded with a suite of features that make it one of the most desired pickup trucks today. To offer the ultimate driving pleasure, the Dodge has features divided into various trims that can suit every buyers’ budget. As a result, the Dodge Ram 2500 is now available in six trims and 29 configurations. This article elaborates on the special features offered by each trim—right from its engine specifications to interiors and much more. Read on. Tradesman The powertrain consists of a 6.4-liter V-8 gasoline engine with eight-speed automatic transmission. It is also available with a 6.7 Cummins turbo diesel. The 4×4 model features manual shifting with an on-the-fly transfer case for all old-school drivers. The pickup truck also comes with electronic stability control and automatic quad halogen headlights. Power Wagon It has the same chassis as the Tradesman, except, instead of the 6.7-liter Cummins turbo diesel, it has an 8HP75 with eight-speed transmission. This engine is suitable for light commercial vehicles (LCV). It also has LED projector headlamps. The Power Wagon comes with hill descent control for better stability and control when descending down a mountain range.
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Pros and cons of automated investing

Automated investing services, or Robo advisors, have become ubiquitous in the present times. Many financial service companies now have their own automated investing services. There’s no doubt that the introduction of Robo advisors has made investing an accessible financial option to many. However, automated investing has some disadvantages as well. So, before you decide to opt for the best automated investing service, have a look at its pros and cons. Pros of using Robo advisors Low fee Low management fees are one of the biggest advantages of opting for a Robo advisor. Big names in the finance industry such as Charles Schwab Corp.’s Intelligent Portfolios offer Robo advisors for free, while some financial institutes such as Betterment and Wealthfront charge a low 0.25% as a management fee. High-quality investment portfolios Algorithms used in some of the best automated investing services such as the ones provided by Betterment are backed by Nobel prize-winning investment models. These models are created to offer the greatest return on investment for the smallest risks. Access to a financial advisor Many traditional financial services companies now use Robo advisors to select assets for their client’s investment portfolios. This allows them to offer their clients financial advisers that can help them with taxes, loans, and any kind of financing or investment.

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4 tips that can help you pick the right investment advisor

4 tips that can help you pick the right investment advisor

An investment advisor can be a game-changer. A capable advisor can help solve most of your financial issues and give you the best investment advice so that you can turn market situations to your favor. But, finding the right investment advisor is not easy. Here are a few things you need to keep in mind while looking for the best investment advisor. Know what type of service you need First, you need to decide what kind of financial assistance you need. Do you need help picking investments? Or are you seeking advice on real estate, retirement, or insurance needs? Asking yourself these questions will help determine the type of investment advisor you are looking for. Nowadays, many people use a robo-advisor, which is as competent as a human investment advisor. A robo-advisor is great for investment management and other basic investments. But if you want substantial transformation in your money-situation, a human advisor is the viable option. Choose a fee-only advisor If you’ve decided to pick a human advisor, the next step is to choose the type of advisor: commission-based, fee-based, or fee-only. If you’re planning something big financially, you must pick a fee-only advisor. Such advisors work for and get paid by other clients like you, so they always act in their clients’ best interest.
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Handy tips for retirement-focused investments

Handy tips for retirement-focused investments

With pension plans becoming more and more obsolete, retirement-focused investments have come to the fore in the past few years. Besides helping you fund your future, these valuable assets also provide incredible gains, and in some cases, constant income till the end of life. Since investing for retirement—and planning it—can prove to be challenging, we have put together a list of tips that may be helpful in the process. Assess your options Multiple investment vehicles are ideal for long-term gains and can return a sizable amount by the time you retire. Mutual funds, stocks, bonds, exchange-traded funds, cash investments, annuities, and dividend reinvestment plans (DRIPs) are also good sources of high returns, although they depend on investor characteristics and risk aptitude. Saving money in certain tax-advantaged accounts such as 401(k), individual retirement accounts (IRA), and brokerage accounts is also an option. Start early and young No one is ever too young to invest. It’s a healthy habit that can earn serious money in the long term, with even the smallest of investments capable of making a difference a few years down the line. Starting early gives your money time to grow and lets you accumulate more compound interest over a period of time.
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4 popular credit cards for college students

4 popular credit cards for college students

A good credit score is essential as it can be a criterion for lucrative job prospects or renting an apartment. Moreover, a good credit score is an uncompromisable necessity while applying for a loan that has terms and conditions that favor you. To ensure that you have a good credit score, it is better to start building it young and early. One of the easiest ways to do so is by applying for a student credit card from prominent credit cards companies. Now, there are several credit cards companies that offer lucrative credit cards, making choosing the right one confusing. To help you narrow down your choices, here are some of the best credit cards companies that offer student credit cards. Bank of America® Travel Rewards Credit Card for Students: One of the biggest credit card companies in the country Bank of America offers a slew of benefits with its student credit card. With each dollar spent using this card, students can earn 1.5 points. This applies to purchases without any caps. The points can be redeemed as discounts on hotels, flights, rental cars, and vacation packages. There are no restrictions or blackout dates applicable for availing these discounts. With no foreign transaction fee or annual fee, the card allows one to earn nearly 25,000 points on spending about $1000 in the first 90 days.
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What you must know about guaranteed business loans

What you must know about guaranteed business loans

If you’re looking for funding your small business with a loan, you’ll most likely come across the term “guaranteed business loans.” People often misunderstand this term as business loans that are guaranteed to be approved. But, this is not what guaranteed business loans means. To clarify the confusion, let’s understand what the term actually means, and discuss the most popular types of guaranteed business loans. What are guaranteed business loans? In simple terms, guaranteed business loans in the world of small business loans refer to loans that are secured or backed by a guarantee. The guarantee can be in the form of collateral, deposit, or an agreement. This essentially means that the lender is guaranteed to receive their money back even if the borrower fails to pay. When we talk about guaranteed business loans, we refer to loans with a personal guarantee or, more commonly, loans guaranteed by the small business administration (SBA). Let’s take a look at both these types. Personally guaranteed business loans As you understand from the term “personal,” when you make a personal guarantee on a business loan, you essentially agree to sell your assets to pay off the loan, if your business is unable to do so.
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5 mistakes to avoid when investing in a high dividend ETF

5 mistakes to avoid when investing in a high dividend ETF

Exchange-traded funds (ETF) have been gaining popularity in the investment sector for some time now. Along with mutual funds, they have been one of the most preferred investment options among investors. With investors having pumped in billions of dollars in ETFs by now, these funds sure seem like a lucrative investment avenue. However, financial experts suggest treading this path carefully so as to avoid unforeseeable losses. Here are a few mistakes that you can avoid while investing in high dividend ETFs: Overlooking long-term investment Looking at long-term goals is the golden rule when it comes to any type of investment. However, seasoned investors invest in ETFs on a short-term basis through a type of trading called intraday trade. This type of trading allows the investors to buy and sell stocks and other investments on the same day. However, if not thought out carefully, investing in high dividend ETFs through intraday trading can result in lower returns and higher trading costs. Buying an ETF simply based on its name This is one of the most common mistakes people make when investing in high dividend ETFs. Investors may think that an ETF’s name provides an insight into its investment reach, i.e., whether the ETF has local or/and global investors.
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How to qualify for a reverse mortgage

How to qualify for a reverse mortgage

A reverse mortgage provides the elderly access to equity in their homes and supplements their income. With its flexible repayment option, it gives homeowners more control over their money. However, the government has laid out strict rules and guidelines concerning reverse mortgage eligibility criteria. So, if you’re considering a reverse mortgage, read on to know the reverse mortgage eligibility criteria and the types of reverse mortgages. Reverse mortgage eligibility criteria The first criterion for a reverse mortgage is that the primary homeowner must be at least 62 years of age. If your spouse is under the age of 62, you might still be eligible if you meet other reverse mortgage eligibility criteria. If you’re not 62 or older than 62, then you won’t qualify for a reverse mortgage even if you satisfy the criteria mentioned below. You must be the primary resident of the home you’re seeking a reverse mortgage for. Note that vacation homes or rental properties do not qualify. You must either entirely own the house or have at least 50% equity in it. If you have any mortgage balance remaining while applying for a reverse mortgage, you must be in a financial position to pay off that balance.
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