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newrysblog · 4 years ago

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ALL YOU NEED TO CONSIDER BEFORE BUYING A PROPERTY

Let’s say, you spotted this property ad in the newspaper and were super impressed with it. You immediately went over to take a look at the property, and now, you really want to buy it. The first question that pops in your head is, ‘Can I afford it?’ And the answer to that question is never binary and requires a lot of analysis. For someone who is not so keen on the real estate market and news, all of this can seem extremely new and daunting. That’s why we decided on helping you with a detailed analysis of all you need to consider before buying a property. Read on!

Key Takeaways:

Understanding how much you can afford, and then planning your budget accordingly is crucial for home buying and running your daily life.

An insight into the present real estate market and an understanding of the near future based on the forecast is an important evaluation to make.

While the property to buy and its price are on the table, it’s necessary that you also assess other financial implications and lifestyle changes that are bound to occur and include them in the plan.

1.How to plan your budgeting?

For an investment as huge as buying a house, planning your finances is the biggest worry. But with a clear understanding of your present lifestyle, incurring expenses and savings, you will be able to analyse how much you can afford, and that could be of great help with planning your budget. Here are a few things to keep tabs on:

Debt to Income Ratio:

If you have adequate cash to purchase a house, then there’s no stopping you from buying it if all the papers are clear. If not, which is often the case, don’t worry. We have housing loans. One of the foremost requirements for availing a housing loan is getting the loan request approved. What eases this process is a standard called debt to income (DTI) ratio, which is what the banks, lenders and other financial institutions use to determine one’s repaying capacity. By definition, it is the ratio of the monthly debt payments to the gross monthly income (without tax deductions) of the borrower.

The lower your DTI, the better chances you have for getting your loan approved. This is because your DTI is proof enough that you have a perfect balance between your payout obligations and income. Here’s what your DTI means to your lenders and what you can do about it:

DTI

How lenders see you

What steps you can take

Below 35%Favourable candidateGet your loan approved and buy the house.

36% – 49%A candidate who is often considered. One with a lower DTI is preferable as they can better handle unforeseen expenses that may come their way.

Making a larger down payment

Reducing your DTI by paying off extra for existing loans to reduce overall debts.

Having a high credit score by settling your credit card dues on/before time to increase trustworthiness.

Talk at your workplace to initiate your pay hike earlier to reduce DTI.

Above 49%A risky candidate whose application is often rejected.

Move your purchase a few months down the year by talking to the property owner asking for more time.

Simultaneously, reduce your DTI by negotiating a salary hike at work or by covering present debts with higher EMIs.

Avoid acquiring new loans in this period.

Calculate your DTI every month to check for a drop.

Let us take you through an example to make this simple to understand:

Rajesh is on the lookout for a new house for himself. But presently, he has an ongoing personal and a car loan (in the closing stage) and is paying ₹8,000 and ₹25,000 as EMIs. Before heading to banks and lenders, he wants to understand if he could avail a loan and calculates his debt to income ratio. His total EMI is ₹33,000 (personal loan EMI + car loan EMI), and his gross monthly salary without tax and charges comes up to ₹80,000. Now, Rajesh’s debt to income ratio expressed in percentage comes up to 41.25% (total EMI ÷ monthly salary). Since his DTI falls under the range of 36% to 49%, he has a good chance of getting the loan if his credit card statements are clean, and he has a lump sum in his savings for making a huge down payment.

Down payment:

Let’s talk about the elephant in the room that one cannot ignore while purchasing a house. A down payment is the upfront payment or deposit that you need to make at the early stages of buying, to block a property. By making a large down payment, you waive yourself off a huge amount of money that you may otherwise have to repay your lender as interest.

In India, to ensure that the borrowers are committed to repaying the lenders and financial institutions, the RBI has set 20% of the property’s purchase price as the minimum down payment amount. This is, however, liable to change based on the age of the property you are purchasing – the older the building, the lesser is the loan sanctioned. This will be purely based on the valuation of the property at that point of time.

Let’s take Rajesh’s example to understand how beneficial down payment can be for repaying home loans. He recently decided on buying a house and came across one that fits all his expectations for ₹70,00,000 (exclusive of registration fees). He has approached a bank for a loan and got the approval. The loan processing fee, rate of interest and tenure are 1% (maximum ₹25,000), 6.5% and 15 years, respectively. Since he has been planning to buy a house for years now, he managed to save about 30 lakhs for the same (including his investments) and is ready to shell out ₹20,00,000 as down payment, which is more than the required 20% of the property price, including the processing fee charges (₹14,00,000 + ₹25,000). With his principal loan amount coming down to ₹50,00,000, his EMI comes up to only ₹43,555, which without the down payment would have been ₹60,678.

Now that you know the importance of down payment, here are a few tips on how you could arrange for the same:

Start planning early so that you can save up and use a huge portion of your savings, leaving enough for emergency needs, monthly personal expenses, loan processing fees, EMIs, associated costs like stamp duty and registration fees, etc.

Turn to your investments. Sell off a few well-performing shares or use your FDs, mutual funds and stocks as security to get a low-interest loan that settles your down payment while also allowing your investments to grow continuously.

Getting a soft loan with very minimal or no interest from relatives, friends or your workplace could be of great help.

Consider the Pradhan Mantri Awas Yojna (PMAY) scheme to get low-interest-rate loans for affordable housing. Since your monthly EMIs are lower in this plan, you can pay the down payment using these funds without arranging for additional funds.

Apply for a personal loan with no collateral by showing your credit score, DTI and other criteria. Keep this as the last resort as it is the costliest means.

Research on all the various banks and loan schemes before zeroing down on one to get the lowest interest rates and avail other benefits like low or no processing fees, offers for first-time and woman buyers, etc. This can reduce the pressure of keeping a huge amount in hand for a down payment.

Planning your EMIs:

If you have decided to loan money, you need to plan your EMIs. Reserve a contingency amount along with the down payment for your first few EMIs to ease you off the burden of worrying about repayments when the time comes. You can also try prepayments to bring down the EMIs further down the tenure, if it doesn’t mean a financial crunch. Apart from these, there are a lot of other options too that you can explore. Some banks offer Flexi Hybrid Home Loan plans that allow you to pay just the interest amount as the EMI for the first few months of the loan period. Now, all banks allow you to transfer your home loan balance from their bank to another if you find the interest rate at theirs too high and burdensome.

2.What’s the real estate market looking like?

Once the money matters are sorted, you need to delve deeper into seeing this as a real estate investment. Being able to just cash off your purchase is not a reason enough for you to buy a house. You need to check if it’s a worthy investment, and for that, you need to understand the real estate market scenario.

Of course, real estate is a safe long term investment plan with so much to offer. But this is subject to change based on recessions and disasters like the most recent pandemic. So, if you are expecting a rise in property value with time, you need to take all of this into account, along with your mortgage repayments, maintenance costs, property development, etc.

The effect of the recent pandemic has eased the financial constraints of buying a house to an extent. Some of the buyer and builder trends that will thrive in 2021 include:

Affordable housing has become the best choice for both consumption and investment. Developers are offering a number of amenities at reasonable prices, and the recent festive season has boosted the demand for this segment. Another factor supporting this trend is the government PMAY scheme that helps buyers with annual incomes ranging from below ₹3 lakhs up to ₹18 lakhs by providing loans with interest subsidy ranging from 3% to 6.5%.

With the new norm of work from home and the series of lockdowns in the past year, buyers have shown interest in larger homes, integrated townships and gated communities. This is because of the need for security and easy access to basic facilities during a time of crisis. So, buyers are looking for properties that promise them a holistic living with all the necessary amenities, all at an affordable price.

The pandemic delayed and halted several construction projects, instilling a sense of fear in the investors and buyers, making ready-to-move homes the preferred choice.

Interest rates in banks have been at an all-time low to attract buyers along with several other offers (women, first-time home buyers) and waive offs (reduction in processing fee, etc.).

The government has also extended its support to boost the real estate industry by giving a 6 – 9 month deadline extension for project completion through RERA (Real Estate Regulation Act) 2016, relaxing tax rules for houses costing up to ₹2 crores to encourage sales, extending interest subsidy for the MIGs (Middle Income Groups), reducing stamp duty charges, etc.

With metro construction underway and commercial & industrial development on the rise, the Chennai suburbs like Porur, Perumbakkam, Poonamallee, Padi, Pallavaram, Shollinganallur, etc., are gaining momentum as residential hubs.

The demand for 2BHK houses followed by 3BHK and then 1BHK, and an increasing interest in plot purchase in areas like Thirumazhisai, Avadi, etc. (for investment purposes) are on a high.

With the high demand to supply ratio, the future seems favourable for you, the buyer. However, with construction and raw material costs increasing, you can expect an increase in property prices too. Based on the above-mentioned trends and the economic outlook, take a call on whether now is the time for you to buy your dream house or not. Right now, the market is slowly getting back to good speed after the huge blow last year. When you know that the price is low, and you’re convinced about striking a good deal, then it probably is the right time to make the investment.

3.What are the lifestyle changes you may have to make?

What comes along with all the financial obligations is a transformational lifestyle change. Often overlooked, this is an important point of discussion that has to happen before buying a house.

Right now, Rajesh and his wife may be okay with living in a 2BHK. But in the future, when they have to accommodate their parents or kids, they may need a larger space with more rooms. They might even want to look at properties close to reputed schools and hospitals and have good connectivity to recreational centres, malls, railway stations, and the airport.

Thus, it is important to foresee your future requirements and lifestyle changes along with your present way of living while making a housing choice. Based on this choice you make, you may also have to revise your present lifestyle a little to manage your finances and maintain your DTI. This could be anything from cutting down on regular fancy dinners, having a personal gym trainer, splurging in malls, etc.

So, let’s revisit the same question that we started with – ‘Are you ready to buy a house?’ We can hear your thoughts. Yes, the process involves way more attention to detail than we ideally think but trust us; this early understanding will save you a lot of costly mistakes. Lay the foundations right to enjoy a stress-free house-buying process.

#newry #property #real estate #luxury #residential #trends

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advancetaxreliefexperts · 3 years ago

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Understanding IRS Notice LT11 (Letter 1058): How to Respond

As of June 2021, the IRS has begun issuing balance due notices and final notices to taxpayers as the collections process resumes. If you receive an IRS Notice LT11 or Letter 1058, here’s what you should do.

Here’s an important piece of news: according to the IRS, balance due notices (including final notices) are in the process of being mailed by the agency’s Automated Collection System (ACS) starting June 2021.

This is significant because it represents the IRS’s pivot back towards a traditional collection system following the leeway the agency has been giving tardy taxpayers during the coronavirus pandemic.

As we are approaching a post-pandemic world, the IRS is warning taxpayers through a number of different notices that collection actions will soon resume, including both tax liens and levies. Among these notices, perhaps the most frightening is Notice LT11, or Letter 1058.

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What is IRS Notice LT11?

IRS Notice LT11 is one of the very last notices the IRS will send before commencing a levy. As per the IRS itself, it means that they “intend to seize your property or rights to property”. The IRS also states quite helpfully that you “must contact us immediately.”

A Notice LT11 represents one of the last warning shots the IRS can fire before using the most powerful tool in its collection’s arsenal: the levy.

What is a Levy?

A levy represents a claim on a taxpayer’s assets or property to pay for an overdue tax balance in the event of extreme tardiness. Levies can be issued on the property, bank accounts, as well as paychecks.

When issued on wages (as well as any other form of compensation), the IRS will garnish a portion of your paycheck depending on your income and your total number of dependents. In other words, you receive what the IRS deems the minimum, and everything past that goes towards paying off your tax debt. Garnished wages are automatically withheld by your employer under the authority of the IRS.

If you are self-employed, the IRS will levy your bank account. Rather than making periodic withdrawals as per wage garnishment, a levy on a property or bank account is generally a one-time thing, where the IRS will liquidate what you own to correct your balance.

A Notice LT11 also represents one of your last chances to avoid the levy. You have a few ways of doing this. More on that later.

When Are Levies Being Issued?

While Notice LT11, and other notices, are going out as early as June 2021 and will continue to go out in the weeks and months following, the actual date for when levies are being issued is August 15, 2021. This is the kickstart of the ACS’s continued collection actions in the post-COVID US.

Levies vs. Federal Tax Liens

Levies should not be confused with tax liens. A tax lien is a legal claim by the government on all of your property and assets. Unlike a levy, where the IRS can swoop in to claim and liquidate an asset or a bank account, the IRS does not actually take anything from you when it issues a lien.

It does, however, place itself first in line as a creditor, superseding all other creditors you may owe money to. This allows the IRS to pressure taxpayers into paying their overdue balance by keeping them from seeking financing without first addressing their tax problem.

A lien can be lifted by negotiating a payment plan with the IRS, which can include allowing a single creditor to “cut the line” in order to secure a loan to pay back the tax debt, for example.

Tax liens used to apply even more pressure to taxpayers in the form of a significant negative credit score impact, akin to bankruptcy. However, credit reporting agencies have discontinued including tax liens in their reporting as of 2018. Cited reasons included issues with accurately reporting the information, such as linking liens to the wrong people due to similar names and locations.

When liens fail, the IRS can turn to levies to take what it needs.

What Should I Do to Fight a Levy?

The IRS gives taxpayers two options when dealing with collection actions:

Pay, or; Become uncollectible.

Non-collectible taxpayers must qualify as such by being in dire economic circumstances, which freezes the age of the debt (meaning it cannot expire while you’re non-collectible) but keeps the IRS from issuing any collection actions against you until your financial situation improves considerably.

It determines this by checking in periodically. You are still encouraged to file your taxes – failing to do so can incur more penalties, and you can’t negotiate repayment without being up-to-date with your tax returns. Your tax debt will continue to accrue interest and grow while you’re non-collectible.

Unless you are completely out of financial options, becoming non-collectible is not a great answer to your tax debt issues. There is another way.

If You Can’t Pay Everything, Pay Less

If you’re about to receive a final notice with the intent to levy, then your priority needs to be to convince the IRS that you’re ready to cooperate and pay up. Depending on the size of your tax debt, this might not be an easy feat – even if you decide to pay monthly. Some tax debts are so large that a person struggling under new financial circumstances may have enough to keep on living, but not enough to make significant monthly contributions towards eliminating their tax debt before the debt expires.

The IRS knows this, which is why it allows taxpayers to make offers in compromise in cases where a taxpayer’s financial limitations keep them from fully absolving the debt before its statute of limitations. While qualifications for an offer in compromise have become laxer since the Fresh Start Initiative – you typically don’t have to pay until the debt expires anymore, for example – it still isn’t easy nor guaranteed to get an offer in compromise.

If you are interested in pursuing this option, it is vital that you speak with a tax professional. You can test your chances by trying out the IRS’s pre-qualifier tool but understand that working with the IRS can be difficult, and requires navigating a long list of notices, letters, and systems. Experienced tax professionals can help you reduce what you owe, avoid levies, and get back into good standing with the taxman.

If you received a Notice LT11, Letter 1058, or any other notice for collections actions, call our team of tax professionals today.

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rayzzzcustommattresses · 7 years ago

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Whatever you are going through might seem difficult to you, but I came to let you know “this is nothing to God!!” Refuse to die in darkness when God has given you light. You must INITIATE your blessing! It’s better to move in faith and potentially fall – than to sit in doubt and do nothing. BUT YOU WILL SUCCEED!! I want to talk to you and tell you- Go on the offensive, get your shovel and make up your mind: “I’m going to dig until I hit something.” “I’m going to dig until I hit water in this desert.” “I’m going to dig until I get a breakthrough!! DIG YOUR OWN BREAKTHROUGH! You have to do what you have to do to get what you need! I know what it is to turn the corner and the lights are out. I know all about living on government cheese; no money, no income… Nothing to eat… And grab a shovel and start digging ditches… They told me I had an incurable illness, 28% lung capacity… I grabbed a shovel and started digging. I refused to live in poverty, depression, and sickness, I started digging. When life throws you a curve ball, instead of giving up, crying, or getting someone to comfort you, GET MAD AT THE DEVIL, GET A SHOVEL AND DIG! I am going to show you how!! KEEP READING… Remember the Bible verses I wrote you about— 2 Kings 3:5-20 (NIV), “…King Joram set out from Samaria and mobilized all Israel. He also sent this message to Jehoshaphat king of Judah: "The king of Moab has rebelled against me. Will you go with me to fight against Moab?" "I will go with you," he replied… "By what route shall we attack?" he asked. "Through the Desert of Edom," he answered… After a roundabout march of seven days, the army had no more water for themselves or for the animals with them. "What!" exclaimed the king of Israel. "Has the Lord called us three kings together only to hand us over to Moab?" But Jehoshaphat asked, "Is there no prophet of the Lord here, …An officer of the king of Israel answered, "Elisha son of Shaphat is here… The word of the Lord is with him." So they went down to him…While the harpist was playing, the hand of the Lord came upon Elisha and he said, "This is what the Lord says: Make this valley full of ditches. For this is what the Lord says: You will see neither wind nor rain, yet this valley will be filled with water, and you, your cattle and your other animals will drink. This is an easy thing in the eyes of the Lord ; he will also hand Moab over to you. You will overthrow every fortified city and every major town. You will cut down every good tree, stop up all the springs, and ruin every good field with stones." The next morning, about the time for offering the sacrifice, there it was water flowing from the direction of Edom! And the land was filled with water.” When they go to defeat the enemy, the Bible says: “They go through way of the wilderness.” They went through the wilderness for days and realized they had no more water, so the prophet says, “GRAB A SHOVEL AND DIG!!” I want to talk to someone in the wilderness right now. It’s barren in the wilderness, nothing seems to be working… it’s ineffective, it’s not producing… and you may be asking, “When God? When???” You are in a time that has been set in eternity, which is now ready for the fullness of its manifestation. Your spirit knows it… IT IS SO CLOSE! Your victory is going to be in the desert! Whenever there is a shift of seasons, God sends a Prophet! Your season has shifted. I don’t know who’s in a wilderness right now. Some feel in the wilderness because of finances, because of family, a battle in your mind, but I am writing you today to tell you- TRUST GOD, IT IS A SETUP!!! And I have a word for your wilderness… Isaiah 35:6 says, “…For in the wilderness shall waters break out and streams in the desert.” Get ready for a refreshing breakthrough, oasis. GOD IS FAITHFUL!! It is the time to “DIG A DITCH!” Stop waiting for the tide to turn. The question is, “CAN YOU DIG IT?” Can you dig your way out of that mess? Can you dig your way out of that debt? Can you dig your way out of depression? God has a prophetic word for you, a destiny and a purpose to fulfill and a map to get you there, all you have to do is DIG!! God has a miracle for you. I came to tell YOU- in the wilderness you’re facing impossible situations, trouble and trying to do the right thing for God. Just DIG! You can dig your way out of depression, out of defeat, out of despondency, out of debt, out of the label they have you in!. You have to DIG in your wilderness. God has a miracle for you, if you’ll just DIG! I wasn’t digging ditches because I like dirt, I was doing it because God said to do it! Stop living by what you feel and live by what God and His Word says. God said, “If you can dig a ditch in the wilderness – then I will turn this thing around!! What God told you in the light, remember in the darkness! You have to DECIDE: Am I going to die here, or am I going to get up and fight? Am I going to “dig a ditch?” Choice, not chance, determines destiny. “Do I die in this wilderness or do I DIG A DITCH?” Even though you may be weary, surrounded by enemies… Even though they are laughing at you. DIG! If you keep on digging after a while you will hit something. “CAN YOU DIG IT?” Someone said, “your marriage is over”? DIG. Someone said, “Your house is going into foreclosure”? DIG. Someone said, “Your not good enough, smart enough”? DIG. Someone said, “You will never start that ministry”? DIG. Someone said, “Your illness has spread”? DIG!!! DIG YOUR WAY INTO YOUR MIRACLE! You must learn to dig your way through discouragement. As long as you have your shovel, you can dig your way out. If you see a person with a shovel in their hands, God will open doors. You might be in a wilderness but, “CAN YOU DIG IT?” I want you to get ready for a new level. Just like in 2 Kings, Elisha instructed to “DIG DITCHES.” And “AT THE TIME FOR OFFERING THE SACRIFICE, THERE WILL BE WATER!” I want you to get a ministry gift immediately- we are going on the offensive and taking back what the enemy stole. About the time you lay your sacrifice on the altar, God is going to fill your land with water, deliver you from your enemies, and it will be AN EASY THING FOR HIM!!. When click the link below and sow your best Ministry Gift of any size today, I will bless you with my powerful message I preached “Can You Dig It” on DVD. “I Can Dig It Paula!” Sow an Offering in Paula White Ministries To give from your smartphone: Text "DIG" to 1(321)338-1333 or click here. -OR- Call 1(800)PAULA-17 24 hours / 7 days a week For your Ministry Gift of $45 or more, I will rush back to you a 2-DVD set “Dig For Your Miracle!” that includes the “Can You Dig It” message as well as another anointed classic message on digging for your destiny! And I will also send to you my hardback book, “Dare To Dream.” These DVD’s are the perfect companion to my powerful book that helps you discover your uniqueness in God and locate the true person God created you to be and intends for you to become! 25 chapters like, “self gone missing”, “See yourself as God sees you”, Healthy boundaries”, and more!! *Someone needs to lay a sacrificial seed for deliverance at the altar, just like in 2 Kings- someone needs God to pull them out and save them from a situation that seems impossible. Someone is in the wilderness with no water and no chance of escape- BUT GOD!! The prophetic declaration is GRAB A SHOVEL AND DIG! LAY YOUR SEED AT THE ALTAR AND LET GOD BE GOD- What God is about to do is a light thing in the sight of the Lord! Lay your sacrifice at the altar, grab a shovel and DIG! “I Am Laying My Sacrificial Gift At The Altar!” Sow an Offering in Paula White Ministries To give from your smartphone: Text "DIG" to 1(321)338-1333 or click here. -OR- Call 1(800)PAULA-17 24 hours / 7 days a week UPDATE: We recently assisted the Mayor of Apopka and the Senator of Florida, distributing food, water, diapers, supplies, prayer, and love in Central Florida after the devastation of Hurricane Irma, and we are currently working to get tons of food and supplies into Puerto Rico to distribute… any extra ministry financial support you can provide will go far with Paula White Ministries! I love you so much, and I am so thankful for your ministry support and prayers! You will have breakthrough in the name of Jesus!! Your Partner in Ministry, image

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omerliab-blog · 4 years ago

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As the local legend goes

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michaeljames1221 · 4 years ago

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How Do You Probate A Will Without A Lawyer?

This is like doing your own dental work. You shouldn’t do it. Probating a will yourself is conceivable in clear circumstances, as long as you teach yourself and draw on expert help when you need it. Taking care of probate yourself will set aside you some cash as you won’t need to pay a domain legal counselor to do everything. In any case, it’s critical to recollect that an error may likewise cost you beyond what you can bear.

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The initial phase in probate is to instruct yourself. Peruse material like that found on our site and get a probate pack or agent’s unit. There are units you can buy and others can be discovered free on the web. In conducting your research, you will want to find out: • What probate is and when it’s needed • What your duties are as an executor • How to protect and value the assets of the estate • What your responsibilities are when it comes to beneficiaries and others • What you need to keep track of and how to account to the beneficiaries • How to go about applying for probate Things to Conside when asking: “Would i be able to Probate a Will Without a Lawyer?” When thinking about the inquiry, you have to gauge the measure of time and perhaps concentrated information required against lawful expenses. What potential intricacies may emerge? In the event that you don’t have the first duplicate of the will or if the will is hazy, the probate procedure may not go easily without lawful direction. In the event that the will be challenged or if a portion of the recipients are not content with what has been left to them in the will, you could keep running into huge difficulties.

A Probate Lawyer can give significant serenity, decrease your danger of being held by and by at risk, and keep the procedure moving along if something startling happens during the organization of the domain. The cost will differ, contingent upon whether you require non-center administrations and which bequest legal counselor you use.

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Regardless of whether you choose to utilize an attorney for exhortation and direction just or to deal with the probate procedure for you, make certain to pick somebody who is knowledgeable about domain law. Depending on an attorney who does not completely comprehend the intricate details of domain law is the same than taking care of probate yourself, then again, actually you need to pay the legal counselor.

1. Identifying the Assets and Liabilities of the Estate • Reviewing the deceased person’s filed income tax returns to find income-generating assets and assets such as RRSPs • Listing the contents of safety deposit boxes • Notifying the provincial and federal governments of the death so benefits are stopped • Notifying financial institutions of the death and requesting information about the assets • Reviewing bonds, warrants, and share conversion rights • Reviewing an accounting from an attorney who has been appointed under an enduring power of attorney or trustee appointed under the Adult Guardianship and Trusteeship Act 2. Administering and Managing the Estate • Ensuring estate property is secure and insured • Retaining a lawyer • Advising beneficiaries of property that will pass outside the estate and joint tenancy survivors 3. Satisfying the Debts and Obligations of the Estate • Advertising for claimants / creditors, if necessary • Verifying whether claims are legitimate • Paying debts and claims • Finding out whether the financial institution will honour cheques not cleared by the deceased • Reviewing documents such as mortgages and leases and arranging for payments

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• Finding out if debts are life-insured • Reviewing the deceased’s contingent liabilities and deciding what to do about them • Notifying parties to which the deceased person gave guarantees of the death, in writing • Determining the deceased person’s and the estate’s income tax or other tax liability • Filing tax returns and paying tax owing • Getting tax clearance certificates before distributing the estate 4. Distributing the Estate and Accounting for its Administration • Distributing the assets of the estate • Accounting for expenses incurred while administrating the estate In the event that you read the customary guidance for agents, the initial step is as a rule “enlist a legal counselor.” And you may well choose, as you wrap up a domain, that you need lawful exhortation from an encounter attorney who knows about both state law and how the neighborhood probate court functions. Not all agents, be that as it may, need to turn a probate court continuing over to a legal counselor or even contract a legal advisor for constrained guidance. In the event that the home that you’re dealing with and doesn’t contain unordinary resources and isn’t excessively enormous, you might almost certainly get by fine and dandy without a legal counselor’s assistance. To decide if you might probably go only it, ask yourself the inquiries beneath. (On the off chance that you don’t have the foggiest idea about the appropriate responses, ask a legal advisor—before you consent to procure the legal advisor to deal with things for you.) The more inquiries you answer with a “yes,” the almost certain it is that you can wrap up the bequest without an expert next to you. Can the deceased person’s assets be transferred outside of probate? The response to this inquiry relies upon how much (assuming any) probate-shirking arranging the expired individual did before death. In a perfect world, all benefits can be moved to their new proprietors without probate court. Some basic instances of benefits that don’t have to experience probate are resources are held in joint tenure, survivorship network property, or occupancy by the aggregate. Resources held in a living trust can sidestep probate, as well. Probate is likewise superfluous for resources for which the expired individual named a recipient—for instance, retirement records or extra security approach continues. Does the estate qualify for your state’s simple “small estate” procedures? It’s ideal if no probate at all is required, however in the event that that isn’t an alternative, make sense of whether the home can utilize “little home systems. In many states, these incorporate streamlined “rundown probate” and a totally out-of-court process that requires displaying a straightforward sworn proclamation (oath) to the individual or foundation holding the benefit. Each state has its own principles on which domains can utilize the more straightforward methods. Yet, in numerous states, even domains that are genuinely huge—not including non-probate resources—can utilize the more straightforward procedures.

Are relatives getting along?

Will challenges are uncommon, yet on the off chance that a relative is making commotions about suing over the bequest, converse with a legal counselor right away. Probate claims destroy families and can empty a great deal of cash out of the bequest simultaneously. A legal counselor might most likely assistance you maintain a strategic distance from a court fight.

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In the event that probate is vital, is your state’s probate procedure moderately straightforward?

On the off chance that the state where the perished individual lived has embraced a lot of laws called the Uniform Probate Code, probate ought to be quite direct. In UPC states, most probates are directed with negligible court supervision. A couple of different states have improved their strategies without receiving the UPC. Does the bequest contain just normal resources, similar to a house, bank or money market funds, vehicles, and family merchandise? Things get significantly more confounded when a domain incorporates a business, business land, or whatever other resource that requires exceptional continuous dealing with. You’ll most likely need to counsel specialists on the off chance that you have to oversee, evaluate, or sell a business; these occupations aren’t for beginners. Is there enough cash in the domain to pay obligations? On the off chance that there’s sufficient cash to pay authentic obligations (for instance, last personal assessments, costs of the last sickness, and memorial service costs), with some left over for recipients under the will or state law, you won’t need to make sense of which obligations to pay. Assuming, in any case, your underlying examination uncovers that there may not be sufficient cash in the home to make good on obligations and regulatory obligations, don’t pay any bills before you get legitimate counsel. State law gives a few banks need over others. Is the home too little to even think about owing either state or government domain charge? Under current law, over 99.7% of all bequests don’t owe government domain charge, so you most likely don’t have to stress over that. There’s a more noteworthy shot (however still a little one) that the bequest will owe a different state home expense to the state where the expired individual lived or possessed land. Near 20 states force their very own home charges, and huge numbers of them assessment domains that are esteemed at $1 million or bigger. You’ll unquestionably require master lawful and charge exhortation if the home must document a bequest expense form, either with the IRS or the state burdening specialist.

When You Need A Probate Attorney

Contracts

Now and then authoritative reports, for example, deeds or disclaimers must be set up during probate so as to satisfy the last wishes of the perished individual, or to help the beneficiaries appropriately mastermind their legacy.

For instance, say a sibling and sister both acquire a family-possessed eatery from their folks, however, the sister needs to offer her offer to her sibling. A legal counselor would draft the business understanding between the kin, and some other contracts expected to guarantee the eatery keeps on being appropriately overseen.

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At the point when there is a business included, the advantages are generally intricate enough to profit by a lawyer’s direction. The lawyer can guarantee that the privilege authoritative archives are set up for moving or dissolving possession. Be that as it may if the beneficiaries just possess land together—and aren’t arranging any huge changes to that proprietorship—enlisting a legal counselor might be superfluous.

Fights

Shockingly, after a demise, probate issues can emerge that make pressure or even dreadful questions among the beneficiaries. We’ve seen domain procedures destroy families over contentions and awful emotions. An attorney can help relieve these circumstances and save family amicability. For instance, in the event that anyone supposes the will ought to be regarded invalid—for reasons unknown—a lawyer ought to be brought in to speak to the domain. Or then again state the expired individual had remarried and had more youngsters with their subsequent companion. The youngsters from the main marriage may feel they didn’t get a considerable amount of the domain. The two gatherings in that circumstance may require legal advisors to speak to them and help settle the debate.

For these passionate probate issues, it’s occasionally better to get a legal advisor within the near future. On the off chance that one beneficiary begins to wind up factious or accusatory, a legal counselor might most likely assistance the gatherings included determination any contentions early and maintain a strategic distance from an out and out court fight.

Court Hearings

In the event that you have to go under the steady gaze of a judge during the home procedures, you’ll most likely need a legal counselor. For instance, here and there wills or other domain reports are composed vaguely and the beneficiaries need the court to decipher them. They will need a legal advisor in the court to exhibit the will or bequest records for elucidation.

In the event that someone challenges the will, it might prompt case—and, once more, all gatherings included will most likely need a legal counselor to speak to them in court.

At the point when a bequest is bankrupt—which means its advantages are lacking for satisfying its obligation, duties and authoritative costs—lenders are probably going to document guarantees or even begin goading the agent for cash. It’s a smart thought to have an attorney to help deal with each one of those leasers, cases and comparative probate issues. Under the watchful eye of you ‘Legal advisor Up’Though there are explicit circumstances when having a probate or home legal advisor bodes well, reconsider before naturally employing one to deal with each issue during the probate procedure. A probate master can enable you to explore most of steps and issues that emerge during probate—for a small amount of the expense.

I’m The Executor – Do I Need to Hire a Lawyer?

Most or the majority of the expired individual’s property can be moved without probate. The most ideal situation is that you don’t have to go to probate court, since resources can be moved without it. This relies upon the arranging the expired individual did before death—you can’t influence it now. Be that as it may, you won’t need probate if all bequest resources are held in joint possession, payable-on-death proprietorship, or a living trust, or on the off chance that they go through the particulars of an agreement (like retirement records or extra security continues). The domain fits the bill for basic “little bequest” methodology. No probate is ideal, however basic or “outline” probate is superior to customary probate. Regardless of whether the home meets all requirements for the rundown methodology relies upon state law. A couple of states let domains worth two or three hundred thousand dollars—not including nonprobate resources—utilize the less difficult procedure.

He domain has enough advantages for pay its obligations. For this situation, you don’t need to stress over paying authentic obligations—there will even now be cash left over for the inheritors. Be that as it may, on the off chance that it would appear that there won’t be sufficient cash in the bequest to settle obligations and government expenses, get counsel before you pay any leasers. State law will set out the request in which lenders get need, and it’s not in every case simple to make sense of how to bundle out the cash.

Probate Attorney Free Consultation

When you need legal help with a probate in Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

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from Michael Anderson https://www.ascentlawfirm.com/how-do-you-probate-a-will-without-a-lawyer/

from Criminal Defense Lawyer West Jordan Utah https://criminaldefenselawyerwestjordanutah.wordpress.com/2020/06/10/how-do-you-probate-a-will-without-a-lawyer/

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mayarosa47 · 4 years ago

Text

How Do You Probate A Will Without A Lawyer?

Are relatives getting along?

In the event that probate is vital, is your state’s probate procedure moderately straightforward?

When You Need A Probate Attorney

Contracts

Fights

Court Hearings

In the event that someone challenges the will, it might prompt case—and, once more, all gatherings included will most likely need a legal counselor to speak to them in court.

I’m The Executor – Do I Need to Hire a Lawyer?

Probate Attorney Free Consultation

When you need legal help with a probate in Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Correcting Errors In NICS Background Checks

Types Of Child Custody

Parenting Agreement

Terminating Parental Rights

Utah Personal Injury Attorney

Post Foreclosure Property Preservation

from https://www.ascentlawfirm.com/how-do-you-probate-a-will-without-a-lawyer/

from Criminal Defense Lawyer West Jordan Utah - Blog http://criminaldefenselawyerwestjordanutah.weebly.com/blog/how-do-you-probate-a-will-without-a-lawyer

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gonnagoandrunwiththehorses · 4 years ago

Text

How Do You Probate A Will Without A Lawyer?

youtube

Are relatives getting along?

youtube

In the event that probate is vital, is your state’s probate procedure moderately straightforward?

When You Need A Probate Attorney

Contracts

youtube

Fights

Court Hearings

In the event that someone challenges the will, it might prompt case—and, once more, all gatherings included will most likely need a legal counselor to speak to them in court.

I’m The Executor – Do I Need to Hire a Lawyer?

Probate Attorney Free Consultation

When you need legal help with a probate in Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Correcting Errors In NICS Background Checks

Types Of Child Custody

Parenting Agreement

Terminating Parental Rights

Utah Personal Injury Attorney

Post Foreclosure Property Preservation

Source: https://www.ascentlawfirm.com/how-do-you-probate-a-will-without-a-lawyer/

0 notes

melissawalker01 · 4 years ago

Text

How Do You Probate A Will Without A Lawyer?

youtube

Are relatives getting along?

youtube

In the event that probate is vital, is your state’s probate procedure moderately straightforward?

When You Need A Probate Attorney

Contracts

youtube

Fights

Court Hearings

In the event that someone challenges the will, it might prompt case—and, once more, all gatherings included will most likely need a legal counselor to speak to them in court.

I’m The Executor – Do I Need to Hire a Lawyer?

Probate Attorney Free Consultation

When you need legal help with a probate in Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Correcting Errors In NICS Background Checks

Types Of Child Custody

Parenting Agreement

Terminating Parental Rights

Utah Personal Injury Attorney

Post Foreclosure Property Preservation

from Michael Anderson https://www.ascentlawfirm.com/how-do-you-probate-a-will-without-a-lawyer/ from Divorce Lawyer Nelson Farms Utah https://divorcelawyernelsonfarmsutah.tumblr.com/post/620502638285488128

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advancetaxreliefexperts · 4 years ago

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CAN THE IRS HOLD ME LIABLE FOR MY SPOUSE'S TAX DEBT PROBLEMS?

Can the IRS come after you for your spouse’s taxes? In some cases, yes. The reason the IRS will track you down if your wife or husband owes taxes depends on a few factors, such as when you filed and your filing status. Whether your partner claimed false deductions or simply failed to pay the IRS money they owe, you may be held responsible for your husband or wife’s wrongdoings. We’ll go over scenarios where you may find yourself in troubled waters if your spouse has tax debt below.

Filing Status and Liability Your filing status is one of the key determinants of whether you can be held responsible for your spouse’s taxes. Married couples have two options when it comes to filing taxes: filing jointly and filing separately. These options are available whether you’re filing when married to a foreigner or a legal resident. Let’s take a look at each filing status and your potential liability.

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Advance Tax Relief is rated one of the best tax relief companies nationwide.

Married Filing Jointly Your tax filing status matters because it determines how much of your income is taxable. Joint filing is a common choice for couples because it comes with a variety of tax breaks, such as:

Earned Income Tax Credit Child and Dependent Care Tax Credit Lifetime Learning Education Tax Credit American Opportunity Education Tax Credit Traditional IRA deductions Student loan interest deductions

There are many beneficial perks to filing jointly with your spouse, such as claiming tax allowances and qualifying for credits and deductions. One downside, however, is if your spouse owes money to the IRS.

When you file jointly with your partner, you assume “joint and several liability,” which means both of your tax obligations become one and the same. This makes you both legally responsible for each other’s tax debt.

If you’re lying awake at night wondering, “can the IRS come after me for my spouse’s taxes?” the answer is yes. This is true even if you didn’t do anything wrong. In this case, the IRS will use your refund to offset your spouse’s debt. If you don’t want your tax refund going toward your partner’s back taxes, there are ways to dispute liability, such as applying for Innocent Spouse Relief or Injured Spouse Relief, which we’ll dive into later.

Married Filing Separately Married filing separately is another option couples have when it comes to filing taxes. From the latest IRS data published, of the 153 million tax returns filed in 2017, only 3.2 million were married filing separately. Why would a couple decide to file separately? One of the main reasons is because couples may not want to be liable for their partner’s tax bill. Married filing separately is a way to remain financially protected if your spouse is filing late taxes, has a large tax bill, or has any other penalties.

So, is your spouse liable for your tax debt if you file separately? No. When you file separately, you assume individual liability, which means your spouse won’t be tied to your tax debt.

Does it Matter When My Spouse’s Tax Debt Incurred? If your wife or husband owes the IRS money, it’s important to remember that timing matters. The status of your marriage can determine your liability.

Before Marriage The IRS cannot come after you for your spouse’s taxes if they incurred their debt before you said, “I do.” Any tax debt your partner accumulated before marriage is their own responsibility, which means your tax refund is protected. However, sometimes the IRS may intercept your refund and put it toward your spouse’s back taxes. If this is the case, you might qualify for Injured Spouse status and get your refund back.

During Marriage You might be liable for any tax debt that was incurred during marriage in a year you filed jointly. As stated, when you file jointly, you assume joint and several liability. The only way to protect your refund and avoid paying off your spouse’s tax debt is by filing separately, or but applying for Innocent Spouse status.

After Marriage In some instances, you may be liable for tax debt incurred after marriage if you still filed jointly. This only occurs when you and your spouse are separated and heading for divorce, but are still legally married by law and filed jointly. In a situation like this, you can qualify for Separation of Liability Relief if you are legally separated or not living with your current or former spouse.

Can the IRS Seize My House or Assets? If the constant thought, “if my husband owes taxes, do they come after me?” is running through your mind, it’s important to know the power the IRS has over your house and assets. Unfortunately, yes, the IRS can seize your house or assets, even if your spouse is the one who owes money to the IRS. This only happens if the debt was incurred during a year where you filed jointly on your tax return.

Whether you’re the one who incurred the tax debt or your partner, the IRS can seize tax refunds, garnish wages, and even seize your house or assets, depending on how much debt is owed. However, the IRS rarely seizes physical property such as your home, car, and other assets. Instead, they’re more likely to issue a tax lien or levy. This is where the IRS will garnish your wages or use money in your bank account to pay for your or your and your spouse’s tax debt.

Can My Spouse’s Tax Debt Affect My Tax Refund? Yes, your spouse’s tax debt can affect your tax refund. If your spouse owes money to the IRS and you file jointly, you both become responsible for each other’s taxes, penalties, debt, and levies. This means your tax refund can be put toward your spouse’s back taxes, even if you weren’t responsible for the debt that was incurred.

Can I Dispute Liability of My Spouse’s Back Taxes? Now that you know situations where you may be responsible for your spouse’s back taxes, it’s time to explore ways you can dispute liability to keep your tax refund and finances protected. The IRS offers two options to provide relief to spouses who were taxed on their spouse’s behalf: Innocent Spouse Relief and Injured Spouse Relief.

Innocent Spouse Relief Innocent Spouse Relief can be offered if a spouse failed to report income, claimed improper credits or deductions, or falsely reported income. An innocent spouse is married to someone who deliberately lied to the federal government by misreporting or hiding income, or claiming too many deductions or credits to lower their tax bill. To qualify for innocent spouse relief, the IRS lists the following conditions:

You filed a joint return that has an understatement of tax that’s solely attributable to your spouse’s erroneous item. An erroneous item includes income received by your spouse but omitted from the joint return. Deductions, credits, and property basis are also erroneous items if they’re incorrectly reported on the joint return You establish that at the time you signed the joint return you didn’t know, and had no reason to know, that there was an understatement of tax, and Taking into account all the facts and circumstances, it would be unfair to hold you liable for the understatement of tax

If you meet the following conditions, you can request a separate tax liability by filing Form 8857, which can provide relief from tax liability, penalties, and interest if you believe your spouse should be held completely responsible for their tax debt.

Injured Spouse Relief Injured Spouse Relief, on the other hand, is for someone whose share of the refund on their joint tax return was used to offset any pre-existing debt incurred by their spouse. Back taxes can take a variety of forms, such as federal debt, state income tax debt, child or spousal support payments, defaulted student loans, or state unemployment compensation debt. The IRS or Department of Treasury will send you a Notice of Offset if they used part or all of your refund to pay for a past-due debt.

If you’re an injured spouse, you can receive your share of your refund by filing Form 8379 and write “Injured Spouse” on the top left corner of Form 1040.

GET TAX RELIEF HELP TODAY If you think that you may need help filing your 2018/2019 tax return or past due tax returns, you may want to partner with a reputable tax relief company who can help you get the max refund and reduce your chances for an IRS AUDIT.

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coming-from-hell · 4 years ago

Text

How Do You Probate A Will Without A Lawyer?

youtube

Are relatives getting along?

youtube

In the event that probate is vital, is your state’s probate procedure moderately straightforward?

When You Need A Probate Attorney

Contracts

youtube

Fights

Court Hearings

In the event that someone challenges the will, it might prompt case—and, once more, all gatherings included will most likely need a legal counselor to speak to them in court.

I’m The Executor – Do I Need to Hire a Lawyer?

Probate Attorney Free Consultation

When you need legal help with a probate in Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Correcting Errors In NICS Background Checks

Types Of Child Custody

Parenting Agreement

Terminating Parental Rights

Utah Personal Injury Attorney

Post Foreclosure Property Preservation

Source: https://www.ascentlawfirm.com/how-do-you-probate-a-will-without-a-lawyer/

0 notes

divorcelawyergunnisonutah · 4 years ago

Text

How Do You Probate A Will Without A Lawyer?

youtube

Are relatives getting along?

youtube

In the event that probate is vital, is your state’s probate procedure moderately straightforward?

When You Need A Probate Attorney

Contracts

youtube

Fights

Court Hearings

In the event that someone challenges the will, it might prompt case—and, once more, all gatherings included will most likely need a legal counselor to speak to them in court.

I’m The Executor – Do I Need to Hire a Lawyer?

Probate Attorney Free Consultation

When you need legal help with a probate in Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Correcting Errors In NICS Background Checks

Types Of Child Custody

Parenting Agreement

Terminating Parental Rights

Utah Personal Injury Attorney

Post Foreclosure Property Preservation

from Michael Anderson https://www.ascentlawfirm.com/how-do-you-probate-a-will-without-a-lawyer/

0 notes

asafeatherwould · 4 years ago

Text

How Do You Probate A Will Without A Lawyer?

youtube

Are relatives getting along?

youtube

In the event that probate is vital, is your state’s probate procedure moderately straightforward?

When You Need A Probate Attorney

Contracts

youtube

Fights

Court Hearings

In the event that someone challenges the will, it might prompt case—and, once more, all gatherings included will most likely need a legal counselor to speak to them in court.

I’m The Executor – Do I Need to Hire a Lawyer?

Probate Attorney Free Consultation

When you need legal help with a probate in Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Correcting Errors In NICS Background Checks

Types Of Child Custody

Parenting Agreement

Terminating Parental Rights

Utah Personal Injury Attorney

Post Foreclosure Property Preservation

Source: https://www.ascentlawfirm.com/how-do-you-probate-a-will-without-a-lawyer/

0 notes

jesseneufeld · 6 years ago

Text

Patients as Consumers: Where Will Their Dollars Go?

As the healthcare system in the U.S. evolves in response to the changing technology and regulatory landscape, patients are being recast as health consumers. Better informed and more conscious of costs, patients are expected to be smarter shoppers when it comes to deciding their healthcare options and spending their dollars.

The potential impact is immense. In 2017, McKinsey reported that “consumers now directly control $330 billion annually in out-of-pocket healthcare expenses, and the choices they make have the potential to affect 61% of all healthcare spending.”

Will being better-informed truly give patients more and better-suited choices? Will cost-conscious patients be successful at best allocating their healthcare dollars? Let’s take a look.

Patients Adopting Consumer Behaviors

The journey of the healthcare and retail consumer are very similar – Source

With the growth of the internet, patients have more and easier access to healthcare information. This is shifting the patient’s role. No longer the passive recipient of their physician’s knowledge and wisdom, patients’ eyes have been opened to new possibilities.

Most significantly, patients are taking action based on what they’re discovering online. They are asking more questions and demanding answers. Doctors and hospitals are responding with more and better communication. Some of this is happening in the examining room, and some is happening via content marketing aimed at building consumer awareness.

Patients seek out and use reviews and ratings they find online to compare and choose their medical providers. These ratings, whether provided by the government or by patient peers, provide patients with another source of data for consumer-driven decisions.

Conventional wisdom says that when spending their own hard-earned money, consumers will choose the most cost-effective option. Because of this, health consumers are expected to rein in overall healthcare spending.

With more information about their health, treatment options, and providers to choose among, patients are seen as empowered to make smarter decisions about their healthcare. They are expected to act as engaged consumers do in every other marketplace: Choosing the providers and products they use and determining who gets their healthcare dollars. And as with any other marketplace, these choices are expected to be informed by the consumer’s own values and aspirations.

McKinsey, reporting on its 2017 Consumer Health Insights (CHI) Survey, notes that many people would like to be better healthcare consumers, better able to make decisions that address their own healthcare needs. But notably, the survey found that “most of the respondents said that they do not believe they can do that today.”

Patients Adopting Healthful Behaviors

Choosing healthy behaviors provide patients the largest lever for improving their state of health – Source

The choices made by patients contribute significantly (as much as 40%) to their overall health. We typically think of these behavioral choices in simple terms, like exercising more or smoking less. But when a patient adopts the consumer role and begins to look beyond the traditional healthcare system, the choices available expand greatly.

Examples include choosing between alternative or traditional treatments, such as acupuncture instead of medication for pain relief. Or working with a fitness coach instead of a dietician to lose weight.

These options entail out-of-pocket costs that are borne by the patient. And any choice made reflects the consumer’s individual values and behavioral choices.

Uncertainty About Health Insurance Undermines Patient Choice

Most patients don’t understand how their health insurance benefits work – Source

Unlike most other consumer-driven transactions, there is a significant outside influence driving patients’ decisions: Health insurance.

Health insurance introduces cost uncertainty into virtually every patient-driven decision. As reported in the 2018 Alegeus Consumer Health & Financial Fluency Report, consumers don’t understand the basics of health insurance. Nearly half (42%) said they “aren’t confident they understand how health insurance works.” Half (50%) said they “don’t know what counts toward their deductible.” And nearly half (45%) “don’t know how to validate whether a procedure is covered by their plan.”

Alegeus also found that more than half (51%) of respondents couldn’t figure out what they would likely pay out-of-pocket during their plan year, which is a considerable source of financial stress.

This survey indicates that a sizable number of consumers don’t understand the basic language of health insurance and are unsure of their potential costs for treatments, products, and services. This makes it difficult for patients to know up front how much they will have to pay out-of-pocket, which in turns adds stress and hesitancy to their buying decisions.

More than half of patients say they can’t predict their out-of-pocket healthcare costs – Source

Major Pain Points for Health Consumers

Issues related to healthcare affordability represent major pain points for health consumers – Source

In a 2018 consumer study, Experian Health found that the biggest pain points in the healthcare consumer’s journey center on financial and administrative aspects of care. The cost of healthcare provided by doctors and hospitals remains a mystery to health consumers.

Between providers (generally) not publishing their prices, and patients’ limited understanding of their health insurance benefits, it is very difficult for patients to determine the cost they’ll incur upfront. This lack of transparency makes it more difficult for health consumers to make cost-based decisions.

Perhaps most disconcerting among Experian’s findings is that nine-out-of-ten consumers reported “vastly underestimating” the costs of a major medical procedure. With 62% of all bankruptcies in the U.S. attributed to medical debt, it’s easy to understand why consumers don’t feel confident making cost-based healthcare decisions.

Low healthcare system literacy gets in the way of health consumers making key buying decisions – Source

In a report entitled The Hidden Cost of Healthcare System Complexity, Accenture found that 52% of Americans have low healthcare system literacy. Nearly all of those surveyed had at least a high school education; half had completed college. So, low healthcare literacy rates can’t be solely attributed to lack of education.

Accenture found that those with lower literacy rates incurred health-related administrative costs at a rate three times greater than for those with high literacy.

Health economist Jane Sarasohn-Kahn, in her blog HealthPopuli, commented that the opportunity in Accenture’s findings is to “look beyond Old School health literacy education programs into how to leverage media, channels and platforms that everyday people use for other life-flows: personal banking, travel planning, or entertainment come to mind.”

McKinsey, in discussing its 2017 CHI Survey, observed that consumers are demonstrating an “increasing willingness to use less traditional healthcare providers” and this “is creating opportunities for innovators/disruptors, as well as more challenges for incumbents.”

The need for care isn’t going away. And if health consumers can’t shop easily for the care they need using the established healthcare system, they will look to less-traditional providers. The most obvious candidate is the wellness industry, which seems to be positioning itself as a disruptive force in healthcare.

Wellness Industry Provides Consumer-friendly Health Options

Nearly half of the global wellness industry provides treatments, products, and services that overlap with traditional healthcare – Source

The wellness industry offers a growing range of products and services aimed at improving a person’s physical, mental, and social well-being. Embracing a holistic, proactive definition of health, the industry provides an alternative to traditional medicine, which tends to focus on treatments for illness and disease management.

Wellness is big business. The Global Wellness Institute (GWI) reports that wellness is a $4.2 trillion global industry. More than half of the dollars it generates are for treatments, products, and services in categories that overlap with traditional healthcare, including:

Healthy eating, nutrition, and weight loss

Fitness and mind-body wellness

Preventive and personalized medicine

Complementary and alternative medicine

Workplace wellness

These categories directly address the behaviors that improve overall health and are sought out by consumers. While there are some health issues that wellness products and services can’t address, there are many others they can. Stress management, nutrition, and fitness are among the most common.

The wellness industry has embraced technology. The internet provides a platform for health education, service delivery, and sales. Some wellness providers use telehealth technology to provide service remotely. Others gather health data using wearables. And many use the internet to deliver educational content and drive direct-to-consumer sales.

In contrast to traditional healthcare delivery, the wellness industry makes the customer’s journey far more frictionless. It’s comparatively easy for a health consumer to:

Research their health concern

Find a wellness practitioner, service, or product

See how much it costs

Make a purchase

With cost transparency, health insurance is less of a driving force in the wellness purchasing decision. Consumers can see up front exactly how much they will pay and make their buying decision. There is no need to get prior approval from a health insurer to have the cost covered.

Consumers Will Continue to Blur the Line Between Healthcare and Wellness

In identifying the requirements for enabling healthcare consumerism, McKinsey made the following observation:

“On average, Americans spend only a small proportion of each day explicitly focused on their health and healthcare. Yet at multiple points in each day—whether shopping at the grocery store, going to school, or interacting with colleagues—they are making decisions that affect their health. And they are seeking support for their healthcare goals from increasingly diverse sources.”

GWI has declared that a “blurring [of] the boundaries between wellness and healthcare” services has begun. Much of the technology that is reshaping the traditional healthcare system is also now embedded in the wellness industry. By providing price transparency and removing the friction from the purchasing process, the wellness industry makes it easy for patient consumers to choose its offerings.

How each system responds to, and engages with, the emerging healthcare consumer is likely to determine where their healthcare dollars ultimately go.

The post Patients as Consumers: Where Will Their Dollars Go? appeared first on WEGO Health.

Patients as Consumers: Where Will Their Dollars Go? published first on https://drugaddictionsrehab.tumblr.com/

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sabrinajulie · 7 years ago

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Why Draining Your Retirement To Save a Doomed House from Foreclosure Before Filing Bankruptcy is a Mistake

Should I use retirement to pay a mortgage?

Twice in the last two days I have had the same discussion with two prospective clients. Each client owned a house that at the height of the market was worth over two million dollars. In each case, the client had encumbered the house with a loan for about a million dollars a few years back. Each client had suffered significant financial set backs related to the current economic recession. Both clients had been paying mortgage payments close to $10,000.00 per month from their retirement accounts for the past year, and both clients were now at the end of their rope, with their retirement accounts dwindled to a mere pittance.

Monday morning quarter backing on the eve of filing bankruptcy does not bring back a depleted 401K or IRA. But there is a lesson for others in these two cases. Before tapping out your 401K or IRA to continue paying a mortgage on a house that is doomed to end up in foreclosure, know your bankruptcy options.

Retirement accounts are often exempt in bankruptcy

Nearly all retirement accounts that are governed by the Employee Retirement Income Security Act (ERISA, as it is called), including pensions and 401Ks, are not assets of a bankruptcy estate because they almost all universally contain an anti-alienation clause that protects them from the reach of creditors. Due to recent amendments to Section 522(n) of the Bankruptcy Code, Individual Retirement Accounts (IRAs), and other similar retirement savings vehicles, while assets of the estate, enjoy special protection capped at $1 million.

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What does all this mean? It means in most cases, all the money drained from retirement accounts to keep a doomed mortgage out of foreclosure for an extra year, could have survived a bankruptcy. Retirement accounts exist to help you survive in your twilight years. It does you no good to waste these assets to delay an otherwise inevitable foreclosure. If you find yourself in this situation, before draining your 401K or IRA, talk with a bankruptcy lawyer with experience in foreclosure defense about your bankruptcy options and foreclosure defense options.

How Can I Repair My Credit?

Whether you filed Bankruptcy or have faced foreclosure, repossession or a delinquency on a loan, it is a fact of life that your credit score can fluctuate. Access to credit is important when applying for a car or home loan or when starting a new business, the lower your credit score, the higher your interest rate will likely be.

Improving credit after bankruptcy or foreclosure

FICO scores range from 300 to 850; the median score is 723. To get the best rates, you’ll usually have to have a score of at least low- to mid-700s, so how can you repair your credit score after it has been damaged?

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Credit Repair Steps to take

Unfortunately, it is far easier to bring your credit score down than it is to make improve it. Nevertheless there are steps you can take.

Step #1: visit annualcreditreport.com

Start by visiting www.AnnualCreditReport.com, a website set up under federal law to give consumers access to their credit reports. Be on the lookout for impostors, AnnualCreditReport.com is free, there will be no need to supply your credit card or make any payment. There are three different consumer credit agencies (Experian, Equifax and TransUnion) that compile information that factors into your credit score. Not surprisingly, the three agencies don’t always agree. It is important that you go through each report and identify any errors. Did you recently pay off a debt that is listed as delinquent?

Step #2: Write to the credit agencies

It is important to write to the credit reporting agencies both to correct errors as well as to explain any delinquencies. It is perfectly reasonable to write a letter to the credit reporting agencies explaining why you have been late on a mortgage or were forced to file for bankruptcy. Lenders view your credit score in its proper context. Perhaps you have been a victim of mortgage fraud and were forced to file bankruptcy to protect your assets from an aggressive lender. Maybe the economic downturn has caused a salary decrease that made it hard to stay current on car payments. Whatever the Cause of your credit taking a hit, it is crucial that you weigh in on the problem and voice your perspective. It can help.

Step #3: pay your bills on time

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I advise my clients who have filed for bankruptcy to be meticulous in paying every bill on time after filing. The same principle applies to anyone trying to repair their credit as payment history is one of the biggest factors in determining your credit score. It may be a good idea to open a single credit card, use it only for groceries and then pay the balance in full each month.

Step #4: debt to income ratio

Filing bankruptcy can actually improve your credit score. Why? Because another factor lenders use in their underwriting process is how much of a debt load is the potential borrower carrying? Are they swamped in debt? If the answer is yes, they will be less likely to be able to service more. When large chunks of credit card debt are discharged in bankruptcy it can often have a positive impact on credit just a few months after filing.

Step #5: be patient

Your credit history factors into your score as well. The longer you’ve been borrowing and paying on time the better. In some ways this is the lender’s way of developing a friendship with you. When you meet someone for the first time, you might like them but can only develop a friendship or romance over time. If you have been paying your bills for a long time, lenders are more likely to court you.

Be of good cheer, with a little patience and responsible use of credit, your score will improve.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law now at (801) 676-5506. Attorneys in our office have filed over a thousand cases. We can help you now. Come in or call in for your free initial consultation.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

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from Michael Anderson http://www.ascentlawfirm.com/why-draining-your-retirement-to-save-a-doomed-house-from-foreclosure-before-filing-bankruptcy-is-a-mistake/

from Top Rated Utah Lawyer https://topratedlawyer.wordpress.com/2018/04/13/why-draining-your-retirement-to-save-a-doomed-house-from-foreclosure-before-filing-bankruptcy-is-a-mistake/

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love-transparentstudentarca-blog · 7 years ago

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Car insurance and criminal convictions?

"Car insurance and criminal convictions?

I was recently without going into detail convicted on a public disorder charge of harresment and have just passed my test at 18 and was looking forward to getting on the road and found cheapish quotes on places like lv and aviva etc but ive just realised in the smallprint or insurance assumptions you are not aloud one criminal conviction and cant find anyone that allows them but i know plenty of people that are on the road that have criminal convictions its all a confusing issue can anyone help?

BEST ANSWER: Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr

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i've just turned 17and i am wondering how much roughly will, lessons theory test and driving test all come too and insurance and also im a girl :)""

Baby insurance?

I currently have insurance through AmeriGroup in TN, and i was wondering if i have to get the baby their own insurance before they are born? does anyone know anything about this? my husband and i were a little surprised to be pregnant, and so our maternity insurance didnt kick in and we will not be able to add the baby to it.""

California statute of limitations re: medical bills ?

My sister a Canadian visiting California became ill during her stay. She was diagnosed with terminal liver cancer spending several months in a Sacramento hospital due to complications. She had medical insurance however there was a dispute related to a pre-existing condition. The dispute remains unresolved and contact with the insurance company ceased more then two years ago shortly after her death.The bills in question total more than $600,000. What are the implications related to the California statute of limitations and the estate of my deceased sister? There is no communication with the hospitals, doctors or any medical service providers who hold the debt nor with the insurance company who provided the travel insurance.""

Who is the cheapest car insurer for 2011?

my car insurance has gone up 140 this year

Is Liberty National Life Insurance is a good company to work for?

Ok, like a few days ago i've scheduled an interview with National Life Insurance company and was really excited 'bout workin' there until today, but tomorrow (8/05/09) i have my interview...anyways, while i was making some more researches about the company so that i could present my questions to the interviewer (u know when he/she will ask me if i have any questions...) and then i stumbled upon some acclaimed Liberty National Life Insurance scams ...u know how people can be HORRIBLE on the internet. so anyways people (customers or employees, especially EX employees) were saying really bad stuff about the company. Like, LNL insurance doesn't pay people fairly, and that if you just wanna buy a pair of shoes to wear then it's a fitted company to work for, and all the bad things u could imagine...in fact, the ex employees were really crucial about the company. So now, i'm really nervous about working for them you know? I mean what if what those ppl are telling the truth and that i'm just heading toward god knows what?! What if i get the job and realize then that everything that was being said on the internet was true? What if they don't pay me fairly? or i don't know.... All of this has gotten me very frustrated...so if any of u guys can be any help with reliable sources, or just helpful suggestions would be more than great! Thankx and oh lol i didn't realized i wrote so much...sorry 'bout that though....""

Which type of ticket goes on your insurance?

I know a speeding ticket will show up on your insurance and cause it to be quite a bit more than it was, but do any other less than obvious types affect your insurance? For example, my town has a completely pointless ordinance in which their residents are not allowed to park their cars in the street between the hours of 2 AM and 6 AM, unless you call the police that night and let them know that your car will be in the street, and then they'll just ignore your car if they see it. Well, I decided to rebel and not call last night, so, I wake up this morning to find a nice (still cheap, luckily) ticket on my window. I didn't call because I have gotten away with it each time before, so I figured maybe they don't check my neighborhood. Go figure. But I just don't want my insurance going up because of this and I'm not sure if all tickets are sent to the insurance company. Thanks in advance!""

Car hit by uninsured driver - how to recover the costs?

My stationary car was hit by an uninsured driver in March 09. The insurance company made me pay 500 excess and said that this will be fully recoverable as the other driver was at fault. The car was then written off and I was paid the value of the car. In December the other driver was found guilty of driving without insurance, fined and given penalty points. Even though my policy gives me legal cover, it has now been 11 months since the incident and they do not seem to be very active. Also, my policy expires next month and as the claim is still open, the insurers assume that I lost my no claim bonus and quoted me twice as much for the renewal. I'm confused now, is there anything I can do to get my 500 back? I hope you can give me any ideas on what to do. Thanks""

What is the importance of Health care insurance?

Let me know what is the importance of Health care insurance in any individual life and best Health care insurance companies in India?

Car Accident-Health Insurance?

I was in a low-impact car accident and went to the ER the next day to get checked up just incase. I went to my doctor because of back pain and when I mentioned I was in a car accident. They told me I could not go through my health insurance that it has to be through my car insurance. It turns out I have herniated discs and now my doctor has referred me to see an orthopedic surgeon but, I do not feel that the car accident was the cause of the herniated discs. I asked again if I can treatment through my health insurance and I was told by one of the office assistants that it is fraud if I use my health insurance. If I explain to my doctor that I fell down the stairs and insist that I do not want to through through my car insurance because I do not feel the car accident was the cause will he change his mind and refer me to the specialist using my health insurance or should I go through another doctor.""

""Turning 16, Car Insurance?""

I'm turning 16 in April, 2012. I'd like to get a car / drivers license around my 16th birthday. My dad mentioned I need drivers ed, a car, car insurance, and hopefully that's it! Lol. How much would insurance be for me, at 16? Any advice, or suggestions abou my situation? I'm a good student in school with a 3.14 GPA, and pretty responsible.""

Car insurance and criminal convictions?

Can u get insurance on a different address to your licence?

Say i live in leeds but my friend lives in bradford and my insurance works out cheaper on their address. Can i ge insurance to her address even though i do not live there?

If the insurance is group 6 then how much ROUGHLY would the insurance be for a 17 year old?

the car is the rover streetwise so it's pretty new with good safety features.

Is my Car Insurance Valid?

If i use my Aunty name (dose not live with me and lives one mile away from my home) as the Main Driver and my name as the second driver on our car insurance policy (as it saves me some money and even i will be the main driver) will my insurance is valid? Please help me. If it is not, please tell me how can i save money by using her name as she is an experienced driver. Many thanks.""

Is Believing in God Similar to Having Car Insurance ?

Believing in God is like having Car Insurance Lls HOPE is Beautiful If you get in an accident you are covered (safe) If not you just short and out of luck ...You can not rule out that God does or doesnt exist....I have Faith that he does so when I die hopefully I meet him...For the rest that dont have Faith they're just cool with the idea that death is just the End and that's their opinion They're not dumb to me at all

Best car insurance company for me 10 points!!!!!!?

what is the cheapest+best auto insurance for me?!!!?!!?!!?!? we are a family of 4 and we all drive. we have a toyota 4x4, colorado, 1985 nissan truck, mustang v6. my youngest son has had 1 accident i'm 46 my wife is 46 and my sons are 18,19 i cant find a good car insurance they are all expensive!!!!!!!!!!""

How would you haggle the best car insurance in this situation?

cheapest quote on comparison website:Admiral quotes, 919 apr 8.9% access of 750 Key Info: Car Vw Polo 1.4 1yrs no claims i do not want to pay no more than 500 accesss what I would like to know is the difference ways in how you would approach this matter, how would you haggle the insurance company to go cheaper and to how much would you be targeting from the price stated above.""

Cheap sportbike insurance calgary alberta?

Will women protest being forced to pay LESS for life and auto insurance than men?

No? I didn't think so.

Insurance for people who do not have a car?

Are there any insurance for people who do not have a car?

Give me a genral idea of how much car insurance would cost me?

Well cost my parents. I'll be sixteen this April but I won't be getting my license until July. I want to get a Mustang GT 2005 or 2006 but I think it somewhat falls into a category of a sports car so it raises the insurance right? What would be the difference between me driving that or a 2003 BMW? Oh and is there a difference between driving insurance and car insurance? Thank you so much! (And for the record I'm not some spoiled kid, I've been saving for this car for a very long time with money from my lifegaurding job)""

Do you need your own insurance to share your parents car?

How much would it be to share my mums ford focus, I'm turning 17 soon (posted a Q earlier and realized I don't have nearly enough money.. What else would I have to pay for if I shared with her? I have no idea about cars. THanks""

Got into an auto accident - how much can an insurance premium actually go up?

Hi, I got into an accident - was backing out of a parking space and hit a maintenance man on a golf cart. The apartment complex has filed a claim for the golf cart (it looked old) and the guy had a slight bump on his head (emt checked him out, everything looked fine but he went to the doctor) and he's filing a personal injury claim. My agent said no lawyer's are involved yet and it doesn't look like he's suing. There's also been damage to my car bumper but it's still drivable; hopefully I can pay out of pocket. I have no numbers yet, but I'm just curious - with accidents that you're liable for - how much could it actually go up a year? A hundred? A couple hundred? A thousand?! Thanks!""

Where can I find the cheapest auto and motorcycle insurance in Tennessee?

the absolute cheapest state minimum just to drive legal

What is the average cost for a 30 year old male to pay for car insurance?

How much does it cost a 40 year old male pay for car insurance? What guidelines do insurance companies use to determine the price for an individual? Is zip code, profession, driving record, or age the major factor?""

'occasional driver' Car insurance?

Hi, I'm 18 and I'll be heading off to college in the fall and so won't be home very often. However when I am home I'd like to be insured on my dads car. I don't see the point in having to pay the same price for car insurance as someone who drives almost daily, so I wanted to know if there was a type of car insurance for the 'occasional' driver. I'll only be home on vacations, and even then I won't be driving all the time, but I really need a car insurance for when I do drive, mostly summers.""

Is it true that red cars cost more to insure?

I live in Oregon if that makes a difference.

Which is worse on insurance costs or points a DUI or not haveing insurance?

My insurance company has on record that my husband had a DUI 2 years ago, but he didn't I got the paper work to show that it was a driving without insurance charge but I want to know which is worse to the insurance company.""

How much higher is the maintance cost on a BMW vs Ford/Chevy/Dodge?

i want to get a bmw as my first car, i can afford the car, insurance, taxes all that junk but what i dont no about are the service costs? compared to a regular car how much higher will they be.""

How much is motorcycle insurance for a 16 year old?

If I'm a 16 year old male in Texas, what would be an average price for insurance on a newer model sports bike 750cc""

Can i cancel car insurance on a used car i was thinking of buying in ny?

I went to a dealership in ny. i was interested in buying a used a car and said I will put $3,000 down. i called my insurance company and got a quote for the insurance for the car. they charged my card and started processing the registration and title for the car. all this was being done before I saw the terms/interest rate for my car and before i even signed any papers agreeing to buy the car. i didn't agree to the terms of the car. so i said i don't want it. they refuse to give my down payment and when i tried to cancel my car insurance, the company told me i need to return the license plates. i don't even have the plates! there are still at the dealership. how do i cancel my insurance?""

Cheapest cars to insure for a 17 year old?

I was wondering what cars would be the cheapest to insure for a new driver, aged 17. I heard there is all these different groups which relate to the amount of insurance you would have to pay. Also, I would prefer a decent car, so if you know any decent, cheap to insure cars! pleaseeee let me know! thanks! :D""

Debit prepaid insurance or prepaid expense?

dec 2. issued check no. 1103 for $2270.00 to miami insurance company for the premium on a 30,000 policy for the year beginning dec 1. would it be: debit Prepaid Insurance 2270 cedit Cash 2270 ??? thanks!""

""I gave a urine sample for life insurance, want two more samples on different days. Why??

I gave a urine and blood sample about a month ago for life insurance. I received a call yesterday from the company that takes performs the physical and takes the samples...they said my insurance company wants to more urine samples on two different days. Why is that?? It has me really worried and I can't call the insurance office until tomorrow to find out why. I would assume that they had messed up the sample if they just wanted one more but they want two on two different days. :/ I informed them that I take birth control and sometimes take Ibuprofen. I don't use any other drugs or smoke and very rarely drink alcohol. I also have not been having sex (only with 2 people) and have been tested for STD's and visit the gynocologist every year and am always fine. I didn't receive anything from my insurance company about my blood tests which means those didn't show anything (would only send to me if something wrong). Any ideas about what's up with the urine sample requests???

Car insurance????????????

how long before my insurance is up will i recieve my renewal quote?

How much would insurance be for a 16 year old in GA?

I'm 16, I own a 2005 Chevrolet Cavalier LS Sport- 2 door, live in Athens, GA, drive less than 7,000 miles annually, drive to and from work and school 5 days a week... haha. I just want to know how much it would be monthly for car insurance on any of the companies. Any help would be appreciated. :)""

Car insurance and criminal convictions?

What is a reputable insurance company that offers liability insurance for DJs?

I am looking to get started into the mobile DJ business although am wanting to find out what insurance company is the best.

Non car owner insurance?

Can I get insurance to drive cars if I don't own one? I have friends who will let me drive their cars but I want to get my own insurance. I don't want to risk their no claims in case of an accident and if I don't have an accident I want to build up my own no claims but I can't find anywhere that does this....

How much will my car insurance cost?

(I dont know anything about cars or insurance so please bare with me!)Okay so i'm 20, female and I have a Vauxhall Corsa 1998. I got it when i was 19 and i'm paying A LOT for my insurance- 199 a MONTH! This is my first car and I bought it in December 2011. Anyway, its due for renewal in October. Im insured third party fire and theft. Bought the car for 600, I live in London. My question is how much will my insurance cost when i renew it? The reason i'm asking is because I don't want to call my insurance company and ask them, cos if they tell me a price and its still very high i'll just panic and agree to it without looking around. Will it go down by much? I haven't made any claims or anything like that!! my excess is 250 if it helps. Thanks! ... I realise that you probably won't be able to give me accurate quote- but anything will help!""

What is the best car insurance around?

I am planning to enroll my new car. I want a complete coverage but at a reasonable cost. I don't wanna be spending too much just for my car insurance. Help please...Thanks a lot.

Why do insurance take so long to settle a claim Both partys have the same insureance?

My daughter was hit by a student whos is a policeman with schools the student was speeding neither one was given a ticket We hve the same insurance

I need a job to save for college and driver's ed?

I'll be 16 next month and I need a job badly. I'm saving up for driver's ed, a car, insurance, and an apartment for college. I've tried restaurants, burger joints, etc. But everyone seems to be on hiring freezes or is only hiring adults. I need to start saving indepently because my parents can't support me forever. What are some job options for a 16 year old f in ma?""

What would the insurance on a 2000 corvette be?

What would the average state farm insurance for a 2000 corvette be for a 15 year old. No comments about not getting a 15 year old the car, just answers to the insurance question.""

What is the best teen driver insurance in California?

Taking driving test tomorrow and need insurance coverage for just me, 18 years old.""

Homeowners insurance?

Last night while at my girls house I slipped in mossy stairs and broke my ankle. I need surgery now. I was wondering is her landlord responsible for this? I don't have health insurance and I need my **** paid for. I don't want to sue i just want his insurance to cover me.. do they cover stuff like this and how does this thing work

Does the car appearance affect insurance?

Does the car appearance (good or bad) affect how much we pay for car insurance. I know insurance companies always ask What condition is your car?..any dents, etc does saying its in good condition make the rates go up or down?""

""Insurance, I need a awnser.?

I bought a car with some cosmetic damage. It needs a new quarter panel. If I get insurance on the car will they fix that?

What should my car insurance cost?

I am a 21 year old female, do not have any citations on record, and I drive a 2007 ford focus. What should my monthly insurance payment be around???""

What should i do to proof '' Health Insurance '' in Student Visa?

Hello, I am applying for a student visa, to study in Germany, one of the requirements in the Visa is to proof of '' Health Insurance '', And the another is Financial proof, I can understand the second one, But Can you tell me please WHAT SHOULD I DO TO PROOF HEALTH INSURANCE? thanks, in Advance:)""

Insurance for a motorcycle?

How much will insurance cost me... details - live in los angeles - 15 about to start classes and everything in march when im 15 1/2 - want to drive a suzuki gsx-r600 - gpa is around a B average

Will getting a refund on extended warranty and GAP insurance cause my interest to go up?

I just purchased a used car with 30% down payment. I noticed they charged me for GAP insurance and extended warranty and I asked them take it off. They are arguing getting a refund on them will cause my interest rate to go up because they used the purchase to bargain a lower interest rate. Is this true? If so, do I have to accept the higher interest rate? They say I can't return the car because it was already signed for but I don't want to buy at a higher interest rate either.""

How much do you pay for full coverage car insurance?

i'm 19 and going to buy a car soon but i'm trying to get a ball park figure on how much i can expect to pay

What's a good car insurance but cheap car insurance?

or how about the cheapest one!!!lol I'm turning 18 so I'm aware that car insurance for people under 21 are really high, any suggestions? thank you!!!""

""If healthy foods were more affordable, would health insurance be cheaper?""

It irritates me beyond words that people these days are almost forced to have a poor diet because junk food is more affordable. Then, the health risks associated with eating junk food cause more people in the hospital, more money being shucked at pharmaceutical companies for medicine to treat the diseases cause by poor diets, and health insurance and taxes we all have to pay for regardless of how healthy we try to be. I mean, if a packet of Ramen noodles is 50 cents and an apple is $1.50, the majority of the financially stressed nation is going to reach for the Ramen. I would love to eat mostly raw fruits and veggies all day long, but I simply can't afford that and it makes me feel like the government is forcing me to eat crappy foods in order to survive. Why are healthy foods so expensive? And wouldn't it factor out in the end to reduce the price of healthy foods knowing a lot of money would no longer have to be forked out for doctor's visits?""

Is The General for car insurance good?

I want the cheapest car insurance I can find cause im broke for awhile. I have state farm right now. the general seems like its the cheapest but whats the catch. anybody have it

How much would it cost for insurance for a 2001 Lamborghini Diablo? Haven't found anything online.?

Me and my friend were just online looking up Lamborghini prices and was wondering what the insurace would be. Couldn't find anything online that would give a quote. Anyone know where to go or know this?

16 Year Old Car Insurance!?

Whats up! Im 15 right now and looking at cars cause im excited about driving. Im probably going to get a 2005-07 mazda3 cause im going to be paying for it. Question: How much did YOU pay for insurance and how much do you suppose i will pay for insurance? Also is the mazda3 a good car. Plz i dont need links and i dont need trolls.

Why did my lawyer tell the car insurance company to pay PIP directly to me when I asked to have my bill paid?

I spoke to my auto insurance company because my lawyer took two months to file my personal injury protection claim. Once, I took action into my own hands then I was assured that the woman handling my case from my car insurance company would see that my PIP paid for my medical expenses because I don't have health insurance. However, another month has passed and I have heard nothing from my lawyer about my case even though I call his office every week. So, today I received a letter in the mail from my lawyer office to my claim insurance person. It has her name on it but my address so I am not sure if it was intentionally sent that way or not. Yet, I read over it and it tells my insurance claim to pay the PIP directly to me and not to the medical company. What do I do about this? Has anyone gone through something similar and can you give me some helpful advice? I don't know if my lawyer is trying to add my PIP with the rest of the money that I will get so he can get a bigger chunk or if he is trying to get my PIP to me instead? I do know that I would like to pay for my medical bills as I am a college student in debt and don't want anymore hassle.""

Is it cheaper to buy your own insurance or go on your parents insurance?

I was looking at prices online for one person and it's between 2K and - 3k for 6 Months just for me and my friends are own there parents insurance and they only pay 100 - 200 a month is that true about that? Where close to the same age.

Will Getting a license in a different state lower car insurance?

If you originally have a drivers license in one state, and move to a different state and get a drivers license there, can it lower your car insurance. I've heard from some people that it can because when you apply for car insurance they won't see any tickets you may have had originally, but I've also heard that no matter what they can see your driving history.""

What is health Insurance?

I know it is insurance but what does it cover if so and so happens.

Car insurance and criminal convictions?

https://www.linkedin.com/pulse/4800-good-insurance-quote-days-17-year-old-larry-spears"

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