“Strive not to be a success, but to be of Value.” – Albert Einstein You don’t have to quit your job and go into debt to start a business. It’s often a good idea to start slowly to allow the freedom to experiment and learn as you go. Generally speaking, service businesses are the businesses that require the smallest initial investment and may allow you to operate from your home. You should check with your city Read More
Should I Buy or Build a Home?
“A house is made of walls and beams; a home is built with love and dreams.” – Unknown So, it’s the new year and you are thinking about a new home. You, perhaps, are considering buying one you like and adjusting it to suit your needs or possibly building a home to your likes and interests. It is understandable that you would like to evaluate all your options, given it will likely be the largest investment you may Read More
Title Insurance-Why you need to understand about how it may or may not provide protection.
“Price is what you pay. Value is what you get.” – Warren Buffet You bought a property to build your dream home and information that will affect your ability to build or access the property was not disclosed. Can you file a claim with the title insurer? Generally, it is recommended that in addition to the required lender’s policy you purchase an owner’s policy given the huge investment in purchasing a Read More
A few reasons why you should review the “arbitration” section of a contract?
"Win or lose, do it fairly." –Knute Rockne What is Arbitration? Arbitration clauses are found in contracts for car purchases, home construction, bank accounts, student loans, cell phones, employment, nursing homes, and more. It is a private procedure in which a legal dispute is submitted to make a binding decision on the dispute. When arbitration is mandatory it deprives of the opportunity to go to court. It can Read More
How to Avoid Tax Scams
Many of us know of someone who has lost money and possibly their personal information to tax scams. The most important thing to share is that the Internal Revenue Service (IRS) will not initiate contact with a taxpayer by email, text message, social media channels, or phone call to request personal or financial information. Here are a few telltale signs of tax scams: A phone call demanding immediate Read More
Tips to Keep Your Banking and Financial Information Safe When Online
This month’s article offers a few tips on precautions for internet financial transactions. Tip 1: Take extra precautions for logging into banks and other financial accounts. Create “strong” user IDs and passwords by choosing combinations of upper-and lower-case letters, numbers, and symbols that are hard for a hacker to guess. Your birth date, address, or other publicly available information can be easily Read More
A Few Tips on How to Complain Effectively
This month’s article offers tips on how to approach a business with a complaint when you have a problem with goods or services purchased. Everyone has a right to be given specifics about a product or service prior to purchase (including warranties) and about the process to resolve a problem if the promised product or service is not provided. Always ask about the process at purchase and get it in writing. Prior Read More
Consumers and Small Business Owners Beware of Fake Lender Loans!
Arizona law limits interest rates to protect its residents from predatory lending. By way of example, the maximum annual percentage rate (APR) including fees is 41% for a $2,000, two-year installment loan. In 2008, 60% of Arizona voters rejected a payday lender ballot initiative that would have overturned the state’s interest rate maxima. To get around the interest rate cap, high-cost online lenders have evaded Read More
A Few Essentials About Claims Against an Arizona Public Entity
Hi folks, this month sharing a few general tips on requirements to pursue a legal claim against an Arizona public entity. Generally, you need to file a claim quickly with the appropriate authority –In Arizona, we have the Notice of Claim Statutes and Arizona Revised Statutes. Sections, 12-820 through 12-826, govern the Notice and it is not the easiest of statutes to follow. It mandates that anyone who seeks Read More
Helpful Tips to Avoid Repossession
Contact your Lender Promptly – If you are concerned about missing a car payment you should contact your lender as soon as possible. Many banks, auto manufacturer lenders, and other creditors have emergency relief programs to help borrowers who have been impacted by COVID-19. Borrowers who communicate early and honestly with their lenders demonstrate good faith and a good lender will work with you to keep your account Read More
