How To Make A Budget
What is the best way to start a budget? The first thing that anyone who wants to make a budget must do is to compare their income versus their expenses. The good news is that it is quite easy to do. To get started you can download this free Excel budgeting spreadsheet (or you can look through 10 other budgeting spreadsheets ) which will help you calculate how much you spend each month and compare it to your current income. It’s too bad most of us never learned this in school and had to figure it out on our own – so here is the lesson that we should have learned in 5th grade: Expenses > Income = Bad & Expenses < Income = Good And honestly, as simple as it sounds, that is the key to wealth.
Variable Annuities – What They are and How They Work
A variable annuity is radically different from a fixed or indexed annuity. There is more risk, and there is more potential upside as well. Here are some of the features of variable annuities: Variable annuities are sold through financial advisers and stock brokers. They are not sold by insurance agents. You can lose money with a variable annuity and there is no guarantee that you will make money. In fact you could even lose your principal investment. A variable annuity has lots of investment choices, you can allocate your money between as many as 40 investment choices (such as high growth stocks, value stocks, and corporate bonds).
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Who gets paid first in a business bankruptcy?
Federal rules regulate the order in which creditors receive payment when a company is liquidated through a business bankruptcy. That order is generally based on who assumed the most risk when issuing money to the company. How Are Debt Payments Prioritized During a Business Bankruptcy? First priority for debt repayment usually goes to persons who become creditors after the company files for bankruptcy. The purpose of this rule is to enable the company to borrow if necessary to continue its operations and/or to effectively wind down its affairs.
Reasons to File for Chapter 7 Bankruptcy Instead of Chapter 13
When given the choice, many debtors prefer filing Chapter 7 bankruptcy because it discharges most debt. However, a debtor must qualify by meeting an income limitation. A qualified debtor may have debt discharged in exchange for giving up valuable nonexempt property for the trustee to sell to pay creditors. Even though the debtor will lose some property, there are several advantages of filing Chapter 7 bankruptcy over Chapter 13 bankruptcy. The Advantages of Chapter 7 Bankruptcy The debtor receives a "fresh start. " The goal of Chapter 7 bankruptcy is to give the debtor a new start.
What Can I Keep When I File Bankruptcy in Virginia?
February 9, 2010 Most people who file bankruptcy can keep everything they own. When filing bankruptcy, a Virginia resident is entitled to keep certain property as exempt from the trustee and creditors. The major Virginia exemptions include: • Up to $5000 in household goods and furnishings. • Up to $1000 in wearing apparel. • Up to $2000 in equity in a motor vehicle. • Wedding and engagement rings, and the family bible, without a limit as to value. • Up to $10,000 in “tools of the trade”, plus additional articles if the debtor is engaged in agriculture.
“What Do You Mean You Included My Home/Car In the Bankruptcy?!”
June 8, 2014 Image courtesy of FreeDigitalPhotos. net Good bankruptcy attorneys spend a lot of time talking with their clients. They give them an awful lot of information. Sometimes clients forget. One of the things clients sometimes forget is the requirement in the Bankruptcy Code that all of their assets and all of their debt must be included in the bankruptcy filing. This includes things that they may want to keep, such as their home or their car. It includes debts that are current and will stay current, such as a mortgage or car loan.
Can I Keep My Luxury Car, RV, and Boat, in Chapter 13 Bankruptcy in California?
By Jon G. Brooks | Published: April 17, 2013 Chapter 13 bankruptcy trustees in California and elsewhere frequently object to debtors’ Chapter 13 plans in which the debtor proposes to pay very little to his general unsecured creditors (like credit card companies), while nevertheless continuing to make payments on secured debts for so-called “luxury items. ” Such plans, some Chapter 13 trustees have claimed, were made in “bad faith” because payments on the secured debts for such luxury items take away money that could have been used to pay more toward unsecured debts.
How long does a bankruptcy stay on your credit report?
A bankruptcy will stay on your credit report for up to 10 years, but many credit reporting agencies will remove it after 7. This is similar to the reporting period for "late pays" or delinquent accounts posted on your credit report, which is also 7 years. Having a bankruptcy on your credit record could make it difficult to rent housing or to obtain a credit card at a favorable interest rate. It might also make it very difficult to obtain a home mortgage loan or insurance. Bankruptcy & Future Lenders Going through bankruptcy also puts all future lenders on notice that you have had difficulty repaying your debts; creditors are more likely to either refuse to extend credit, or to make you pay (through higher interest rates, for example) for the additional risk they are taking in extending you credit.