Category Archives: International Tax Specialists

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If you’ve been erroneously charged with a criminal offense, the first thing you do is to hire a criminal lawyer in Mercer County to help you with your case. Don’t have any experience in getting legal help? Here are a few useful pointers you’ll want to keep in mind:

Look for referrals

You’ll want to reach out to people you know and trust. Mine them for referrals and suggestions, says The Balance. This can give you the best leads so you can acquire the legal help and assistance you need to clear your name as soon as possible.

Don’t hire a friend or relative

If your friend or relative happens to be an expert criminal lawyer in Mercer County, then go ahead and hire him. But if that’s not the case, it will be better for you if you look for someone who’s qualified, has the right credentials and training to represent you in the court.

Check qualifications

Never hire a lawyer without taking a long look at the lawyer’s credentials, qualifications, training and experience. By checking the basics, you’ll have a pretty good idea if the lawyer is a good bet or not.

Ask around

If your lawyer has been around in the industry long enough, then that’s going to be long enough to develop a reputation. Ask around to find out what kind of reputation the lawyers on your list have. If they’re well-known for their trustworthiness and brilliance in court, then those two qualities are good enough reasons to hire them.

Consider their record

Do they have a great record for settling cases in court or a spotty one? Look for someone who fits the first one rather than the second. That way, you’ll have a much better chance of getting acquitted and clearing your name. With the help of a good legal counsel, you can look forward to getting your reputation back.

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Big incomes and yet a burned hole in the pocket at the end of the day…, Does that describe you accurately? If so then mutual funds would suit you to a T.

After all, what other investment option allows you to keep your money relatively safe while assuring you healthy returns? Attractive!

So what is a mutual fund?

Simply put, a mutul fund is a trust that pools together the money of different investors and invests them in various money market investments. It is managed by a professional fund manager who trades(buys and sells) in accordance with the investment strategy or objective. The incomes or gains realized from trading are then distributed back to the investors in proportion to their original investments into the fund.

With regard to returns disribution, Mutual funds usually offer three different options to investors to choose from.

* Dividend Payout,* Dividend Re-investment, and the* Growth option.

An propspective investor must choose carefully which options suits him or her best.

Growth or dividend?

The dividend option enables you to partially cash in on the returns earned by the fund from time to time through the dividends that it declares, whereas the returns in growth option are retained in the MF and reflect as an appreciation in the fund’s Net Asset Value (NAV). However, the dividend does not in any way add to your returns from the fund though it presents a great opportunity to get periodic payouts on a high-yield investment.

The Dividend Re-investment option authorises the fund to plough back the dividends declared into the fund at the prevailing NAV, also fetching you more units. It is voluntary to participate in these plans, but if you elect to, you’ll receive additional shares in the company instead of, and to the value of the cash dividend you would otherwise receive. In terms of its effect on your returns, the Dividend Re-investment option is no different from the Growth option.

The Dividend Re-investment option is the superior option for investors who yearn for tax efficiency and are willing to remain invested in equities through stock market ups and downs. If you need liquidity, you can clear up a part of your holdings at NAV.

One of the appealing features of Dividend payouts is that it helps you re-balance your equity holdings when the markets are bullish, guarding you to an extent against a decline in values. The down side is that it is a `set and forget’ strategy that could result in an opportunity loss in a rising market.

The right choice

Now that you have made a thoughtful decision to invest, you are bound to read about, hear about, or experience the risks involved. All funds fluctuate and choosing the right fund requires finding both a fund with a successful track record and one that also meets your investment objectives.

The prospectus states purchase redemption and annual fees as well as statistics such as turnover ratios (the frequency of liquidations within the fund). Sensibility lies in creating a diversified portfolio that mixes stock funds, international funds, bond funds and other specialty funds.

If are you searching for capital appreciation. then you might desire a growth or aggressive growth fund; if you are looking for safety, choose balanced fund and if you are looking to invest in a certain sector such as technology, pick a sector-based fund.

Because, deciding on the correct option is perhaps as important to the health of the investment as choosing the particular mutual fund is.

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Filing for bankruptcy is never an ideal scenario. However, if you are drowning in debt, it may be the right answer. Chances are you are inexperienced in filing for bankruptcy, which makes the situation even more complex due to the fear of making a mistake or doubting whether you are covering all of the bases. For this reason, among others, it is always recommended that individuals hire a bankruptcy attorney. Lawyers have the experience needed to get their client’s debt successfully liquidated. Debtors are encouraged to shop around the multiple amount of bankruptcy attorneys and find a lawyer they feel would represent them appropriately.

Do you think that bankruptcy would benefit you or your business? Let us guide you through the filing process. With many steps and areas that need to be covered in bankruptcy cases, individuals can easily miss something, often having an extremely negative effect on their case. Lawyers who practice in this field are aware all of all the details that apply to these cases and will use this information to their advantage. To be discharged, each client will need to go through a series of steps, all of which the attorney will be able to assist with. These steps include:

• Analyze the client’s debt and figure out which would go into the bankruptcy claim
• Determine whether or not the client has property exemptions
• Determine the petitioner is eligible to file for bankruptcy
• Collect necessary documentation verifying the debt
• Fill out bankruptcy forms, which would need to include all debt
• File the forms at the appropriate courthouse
• Attend a meeting with a trustee
• If any objections are made, file accordingly
• Attend a financial planning course, most of which can be completed online
• Be discharged

If you let us guide you through the filing process, you will find the process is much simpler and hassle-free than you had originally anticipated. And to make the deal that much sweeter, there is FREE case consultation available. Take the first step towards financial freedom by talking to a lawyer today.

Visit Thompsonanddeveny.com for further details.

Join us here!

Tips on filling out Bankruptcy Forms

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Gen WrightBankruptcy is a severe process that you would need to put a lot of contemplation, but once you decide to go with this route it is best idea to get prepared for filing bankruptcy forms correctly. It would make the process easier if you have a list of your assets and debts in advance. Here are few tips to completing the forms to save time and energy.

Get your forms typed

It could be different depending on the state, but most courts prefer that your bankruptcy forms be typed, not handwritten. Manual or automatic typewriter was popular about a decade ago, but nowadays almost everyone has personal computer, therefore it became easier to fill out the form using computer. Ask your local court they accept a handwritten bankruptcy forms, or if they have other options you can choose such as online filing. There are forms online that you can fill out using computer and send it via electronic filing.

Know your Local Court

It is common that every bankruptcy court has its own rules and regulations as wells as way of handling things. Therefore it is best for you to ask your local court’s preferences as it might change over a period of time. You can always call or write to the local court when you need more information to make things clear. It is always better to ask than assume.

As technology develops in all area, you may find that your local court will require you to submit the original copy of the petition only one time. Nowadays many courts are moving toward digital record of cases instead of paper ones. At some courts, they will scan your original documents and keep them in the permanent storage, creating multiple electronic copies at a later time. It is all possible due to technology innovation. In that case, you will only have to follow your local court’s directions.

Know your local court’s requirements and follow its rules and guidelines. Also be ready to make changes to your petition when you’re filling out forms, so that you meet their requirements.

Answer questions to your best

Try not to leave any questions unanswered, but fill out as best as you can. Most of bankruptcy forms have a check box where it specifies “none” as an answer. If you still can’t find it, just put “N/A” as not applicable indication.

The trustee might assume that you didn’t complete the bankruptcy forms in case you leave any sections blank. If the question is not clear or doesn’t apply to your situation, then put “N/A” in the first blank, and it will be much clearer than leave it empty.

Disclose everything whenever possible

If you have trouble categorizing a debt or asset on a form, do the best you can and make a note next to your entry that you’re uncertain.

If you are having a hard time how to categorize a debt or asset, do your best to fill out the forms. When in doubt, put down a note stating that you are not certain on that specific items or questions. That way your trustee will be able to sort through those unclear items and put them in an appropriate place later. Try not to leave things out just because you don’t know the answer right away.

Be honest and careful

When you fill out bankruptcy forms, it is better to oversupply information rather than leave them with many questionable empty spots. Even if it looks repeating multiple times in your documents, information is always welcome to trustee’s eyes. The more information you provide in the form, the less will your trustee doubt, suspect and question about your documents.

If you have anything that you fail to disclose upfront, it will make your case dismissed in worst case. Be careful when you put down the lists of all of your assets, because it is very important process and you can’t get lazy about it even if you become tired.

If you don’t take your paperwork seriously it will increase the chance of dismissing your case in the end. At the same time, you would run the risk of losing your assets if you fail to get them listed completely in the forms, which you could have kept if you were more careful.

Make use of continuation pages

When you run out of room on a particular page while filling out forms, you can simply create continuation page of your own by adding another page of the same style. You can make copy of the page you want using original copy of the form you are filling. Make sure that you write down your name on top of all the pages of the entire bankruptcy forms and make a note that it is a continuation page if you choose to use it.

Anna K. manages

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Bankruptcy Forms.

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