Having a plan is a good idea! Plans help accomplish goals in business, relationships, and life in general. In Chapter 13 bankruptcy, having a plan is a great idea, and it’s the law.

As an Orlando bankruptcy lawyer, I help my clients formulate a Chapter 13 payment plan to accomplish their financial goals. Depending on my client’s situation, through their payment plan, which can usually last anywhere from 36 to 60 months, I can help them catch up a mortgage payment, eliminate a second mortgage altogether, wipe out credit card debt, save money on a car loan, or handle IRS debt.

The Debtor, the person filing the Chapter 13 bankruptcy, has to file a payment plan at the outset of the case. The plan’s job is to tell everyone what goals the Debtor wants to achieve during the time the Debtor is in bankruptcy. The plan also instructs creditors how they will be dealt with, and tells the Chapter 13 Trustee who to pay and how much to pay each creditor.

There are many decisions to be made by the Debtor when constructing a Chapter 13 plan. I see many Do it Yourselfer’s in Court who have a really hard time successfully formulating a plan that can be understood by the Trustee or the creditors. This often will result in the creditors objecting to the plan, or the Trustee filing a motion to dismiss the case. When that happens, the person has a bankruptcy on her credit report and absolutely nothing to show for it.

Hiring an experienced Orlando bankruptcy lawyer who has successfully represented clients through the Chapter 13 process in Orlando is a must if you want a smooth ride through the case. In the vast majority of cases I file for my clients, so long as the Trustee payments are being made, my clients never have to appear in Court. More importantly, my clients accomplish the goals they set out to achieve at the beginning of their case.

Having a plan is important, especially in Chapter 13 cases. Having a plan that successfully navigates you through the case and relieves you from overwhelming debt is even better.

Looking for help with filing Chapter 13 bankruptcy, then visit www.khuntergoffpa.com to find the best Orlando bankruptcy lawyer for you.

Tags : bankruptcy, bankruptcy lawyer, Chapter 13 bankruptcy, Chapter 13 plan, Finance, lawyer, legal, Orlando bankruptcy lawyer

To start a business, one knows that an initial amount of money must be set up as an investment. Many home businesses require more than $1,000 to get started and this can be frustrating for small business owners who don’t have much capital.

You may think that $100 or less cannot start a business. Mind you, this is not true. There is a kind of business, an internet marketing wherein you can start with that little amount of money and the income that you will earn is unlimited.

And do you believe that some people may have started to do business at zero cost? This is true. Free services and free blogging platforms are good ideas to start with. You don’t need to be good in computers if only to engage on online business. Few terms of technology are just required and to be familiarized with.. Computers, anyway, are user friendly.

Some online business to start are setting up blogs, purchasing web hosting and understanding affiliate programs.. You can get free and more information regarding these businesses from the internet and learn many things as you go along.

There are several types of businesses that you can start. The difficult stage is only when you start it. Once you have established and focused on it , it becomes easier.

The secret is to be selective in choosing the products. Sad to say, not all neophytes know this.

These neophytes choose products to sell that are available at no cost at all, but only good research. Clearly, one will later learn which products carries value and which ones do not.

If you do decide to work online, be sure you are consistent with your work ethic. The key to success in any business is great decision making coupled with commitment. When things don’t go so well, don’t get discouraged but keep going. And once you find a system that is successful, keep at it. Good luck!

In addition to internet marketing advice, the writer also regularly contributes articles regarding ice bags and indoor soccer shoes.

Tags : advice, Business, family, Finance, Home Business, Internet, marriage, motivational, parenting, personal finance, self-help, Technology, teens, women

Have you been deciding whether or not to consolidate loans? This is a decision that should be made sooner than later. The longer you wait, the more money you are losing.

People consolidate their loans for two main reasons. One is to get a single monthly payment that is less than the sum of the other individual ones that are being paid. The other is to get a lower rate of interest and be able to pay less when all is said and done for the entire loan.

But there are a lot of people who wait to consolidate their loans. The thing is, by doing so, you are paying more every month than you have to. Maybe you do have enough money to throw away, but surely there are other things you would rather spend it on?

There really is nothing negative about consolidating your loans. It does not show up as a ding on your credit report. In fact, it is really a positive thing, especially if you are having a hard time with your expenses. Whatever is keeping you from finding out more about it, there is no time like the present.

Maybe you just have not gotten around to asking for the information. But what happens if your monthly expenses get too high and you start being late on your payments? This situation can quickly escalate to the point where you have bill collectors calling you every day.

All of this can easily be avoided by having your loans consolidated. You can get a lower interest rate as well as a lower monthly payment as a result. What had been a seemingly endless struggle all of a sudden becomes easier.

An additional benefit is only having the one payment to make. Keeping your checkbook up to date and paying your bills each month has now become a bit easier also. In some cases, you can sign up to have your payment debited automatically. This can sometimes even reduce your payment further.

Take a little time out of your day to get more knowledge about loan consolidation and ask for the key details. What is the interest rate and how long will your loan term be? How much will you end up paying each month?

In does not make sense to wait to consolidate loans. Waiting will only cost you money that could be used for other purposes. All you need is the right information to make a smart decision.

Find the best debt consolidation choices by looking online. There you will find many consolidate loans to consider using. Head online for all your needs today.

Tags : consolidation, debt consolidation, debt consolidation loan, family, Finance, financial planning, Financial Services

Take Your Company Public: A Must Read Before You Do Anything! As a consultant in the business of structuring companies, setting up strategic alliances for clients, writing business plans and PPM’s and taking companies public on the OTCBB, I must admit I’ve seen my share of scams and swindling of uninformed clients. One sad issue that permeates the industry is clients who believe that their only option is to give up substantial equity while paying hefty fees to consultants who take your company public.

Here is the reality. When you are investigating the industry to find a consulting firm to work with to facilitate your ‘go public’ process, the first thing you need to do is make sure you are hiring a ‘turn-key’ solutions consulting group; meaning they need to offer everything soup to nuts in house because the second your consultant outsources anything, accountability is lost.

Next, on the issue of paying fees and also giving up equity, it should be either or, not both. If a company tells you that they want you to pay them in both upfront fees and in equity, you should laugh and walk away. In actuality the best deals for the client are those that are simply fee based, not equity based.

It’s better to pay 100k in a few easy installments than to pay millions in stock that will only be liquidated after the IPO which will completely obliterate your stock price and almost certainly ruin your company’s chances of success. It baffles me to see the scenarios that uninformed company owners accept. Currently there is a company that is promoting all over Google Adwords that they will take your company public for $25k and after a month of talking to the company, when you finally agree to use them they break the bad news that they are not going to charge you $25k or anything even close to that, they are, in fact, going to charge you $125k upfront, plus $10k to $20k for your initial SEC audit and on top of all of that they are going to take 30% of your company! It’s shocking but this group of consultants, because of their extensive advertising, has no problem bringing in clients and turning the tables on them at the last minute and sadly, because the client is uninformed, they accept the contract and pay the fees.

If you are going to give up any amount of equity in exchange for the process of going public, it should be with a licensed broker dealer and there should be zero out of pocket expenses from you. Your broker dealer should pay for the SEC audit, S-1 filing, SEC approval, FINRA approval, Symbol achievement and ongoing investor relations to keep your stock price solid. Unless your broker dealer is doing all of this, you need to find a new, full service broker.

Keep in mind, each consulting firm you talk to will give you a million reasons as to why their fee structure and process is the best but here are some comparable facts so that you can make the right decision on how to proceed. First of all, if you get an emotional consultant that acts like he is excited about your project and ‘can’t wait to get started’ this is bogus and you should walk away. The best consultants keep clients at arm’s length and never get emotional because it clouds the process and makes them ineffective. Besides, if they are acting so excited about your company it’s probably because they are trying to convince you of their legitimacy that won’t stand on its own merit.

Next you want to make sure that you are getting a quote on your specific company type which includes at a minimum: corporate structuring, strategic alliance facilitation, board of directors evaluation, business plan authoring built for IPO, investor finder service, SEC audit (the should be able to give you a general idea of the cost of the audit and have a company that you can use as most consultants don’t employ an auditor on staff), S-1 filing, SEC approval, FINRA approval, symbol achievement, market maker or broker dealer relationship/contract setup and investor relations for long term success.

S1 Filing, Taking Your Company Public, Valuations and Investor Relations Services Free Video Download , Take Your Business Public and Globalize Your Business call Princeton Corporate Solutions at 267-233-0183 We Have The Industry’s Top Financial Blog We Can Make Global Growth Happen For Your Company

Tags : advantage of taking company public, advantage taking company public, advantages of taking a company public, advantages taking company public, Finance, james scott

For those of you who have reached the point in your company’s evolution where it’s time to take your company public there is often a lot of confusion centering around the services that a corporation needs in order to go public at a solid price, hold it’s position and grow steadily.

The solution is to bring on a consulting firm steeped in a solid history of creating solid corporate foundations so that building on that foundation is simple and streamlined. Below is what you can expect to pay and the services you’ll need for a solid public offering on an exchange like the OTCBB that will help your company eventually qualify for the NASDAQ.

Of course there are many consulting firms out there who will do reverse mergers into public shells or charge $400k+ for the process of going public but the truth is, your company can get a premium grade public offering solutions without having to pay even remotely close to that much.

For a solid, top tier consulting firm to come into your company and provide everything from A to Z, the below is what you can expect to get and pay from reputable consulting sources.

For a full turnkey solution, the costs involved and solutions provided would look something like this: 1. Retainer ($25k to $35k)+ equity distribution 2. Business plan and Private Placement Memorandum authoring 3. Company Valuation by top tier analyst 4. Board of directors selection and evaluation 5. Advisory board selection and evaluation 6. C level executive evaluation and recruitment initiation (if needed) 7. Strategic Alliance search and facilitation 8. First round of funding offered to our investor network (and your investor contacts) 9. PCAOB audit 10. $50k fee from proceeds raised paid to Consultant 11. S1 filed by PCS legal team through SEC comments stage to SEC approval 12. Market Maker attachment, 15c211 filing with FINRA and final payment of $50k is made to Consultant from capital raised 13. Trading symbol issued to company by FINRA 14. Company is up and trading on OTCBB 15. Consultant brings in first phase Investor Relations strategies to create market and trading volume activity 16. National Public Relations strategy begins by having C level executives placed on top tier radio and TV programs as Expert Panel participants for industry 17. Ongoing acquisitions identification, corporate expansion strategies and Investor Relations consulting by Consultant to assist company with growth.

You don’t need to overpay for a service as intricate as going public. Just find a turn-key consultant who understands your company and what you’re trying to achieve and take it from there.

Valuations, S1 Filing, Taking Your Company Public and Investor Relations Solutions Free Video Download , Take Your Corporation Public and Globalize Your Business call Princeton Corporate Solutions at 267-233-0183 The No 1 Industry Blog We Can Make Global Growth Happen For Your Company

Tags : 15c211, Finance, Form 211, Globalization Strategies, How To Go Public, Powerful Investor Relations, S1 Filing, take a company public