How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit Under Control

According to the United States Bankruptcy Courts, the number of bankruptcies filed each  year is on the rise. People file bankruptcy for a variety of reasons, such as preventing foreclosure on their homes, preventing repossession of property, loss of employment, or reducing or eliminating debts. The most common types of bankruptcy for which individuals file are Chapter 7 and Chapter 13. Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years.

A person who finds himself or herself in this undesirable situation may wonder how they are ever going to repair their credit. How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control provides the answers in a clear-cut, easy-to-read manner. The author tells you how to take charge of your credit so you can apply for loans and mortgages and obtain low interest rates.

In addition, you will learn how to order a copy of your credit report, how to check your credit report for accuracy, how to read it, how to avoid discrimination and credit repair scams, how to apply for an unsecured credit card, how to report your good work to bureaus if creditors do not, how to maintain good relationships with your bank and creditors, how to consolidate all your debt, how to lessen your reliance on credit cards, and how to decide if lawyer-assisted credit repair is right for you. You will also learn simple strategies for making payments on time and for rebuilding your credit. Whether you have just declared bankruptcy or you have been living with the stigma for years, this new book will provide you with all the information you need to take a step in the right direction.

Your Complete Guide to Leaving An Inheritance For Your Children and Others: What You Need to Know Explained Simply

While more than 50 percent of Americans feel it is important to leave an inheritance for their children and other beneficiaries, the majority have not yet made any plans for their estate. This new book will serve as an aid in your planning, providing you with indispensable information and the necessary tools.

Whether you choose to arrange a trust or a will, you will learn how to do so, as well as how to manage and alter your plans. You will be able to choose which trust is right for you, be it living, incentive, Qualified Terminable Interest Property, charitable remainder, children’s, support, family, or generation-skipping tax-exempt. You will decide which will – holographic, nuncupative, self-proving, statutory, simple, joint, living, mutual, ethical, electronic, or video – best fits your needs. Furthermore, you will learn about income only trusts, the Uniform Transfers to Minors Act, 529 plans, and Coverdell accounts.

In this book, you will learn tips for distributing inheritance among children and what an appropriate inheritance is, as well as about inheritance taxes, exempt beneficiaries, disinheritance, durable power of attorney, and advance health care directives. Additionally, you will learn tips for distributing inheritance among children; what an appropriate inheritance is; how to prevent fights over inherited property; how to deal with adopted children, stepchildren, and children from a second marriage; how to select trustees and guardians; how to protect your money from a financially immature child, a child’s spouse, and creditors; how to divide valuables and non-cash assets; and how to deal with the family home.

Your Complete Guide to Leaving an Inheritance for Your Children and Others makes this difficult process easy to understand by using simple, every day language. If you are one of the many people who want to leave an inheritance but do not know where to begin, it is time to pick up this book and start planning.

The Complete Guide to Creating Your Own Living Trust: A Step by Step Plan to Protect Your Assets, Limit Your Taxes, and Ensure Your Wishes are Fulfilled

You worked hard for your money, so it’s only natural that you want some control over what happens to your assets in the event of your death. At the very least, you probably want to minimize or avoid potential hassles and headaches for your loved ones.

A living trust, created while you’re alive, lets you control the distribution of your estate. You transfer ownership of your property and your assets into the trust. You can serve as the trustee or you can select a person or an institution to be the trustee. If you are the trustee, you will have to name a successor trustee to distribute the assets at your death.

A living trust is probably the best strategy to avoid probate, protect your financial privacy, and provide long-range planning advantages. If you want to protect your assets and make sure they are distributed according to your wishes, you should think about establishing a living trust. It can be designed to manage your investments now and provide broader financial management later to make provisions for a surviving spouse, children, or other family members, and to reduce the impact of estate taxes or avoid probate.

What are the advantages of a living trust? Properly drafted and executed, it can avoid probate because the trust owns the assets ‑ not the deceased. Only property in the deceased’s name must go through probate. The potential downside? Poorly drawn or unfunded trusts can cost you money and endanger your best intentions.

Many books on estate planning and living trusts indicate you do not need the services of an attorney, while we highly recommend an attorney versed in this area to assist you. We do not recommend going through the process alone. What this book will do is explain the complicated issues, terminology, and planning strategies of living trusts to the layperson (me and you). When you meet with a qualified attorney you will be well prepared, versed in the language, and ready to discuss issues and strategies that you will be familiar with, saving time, legal fees, and ensuring peace of mind. Get started today with the help of this new book.

When You Have to File for Bankruptcy: Step-by-Step Instructions to Take Control of Your Financial Future

According to the United States Bankruptcy Courts, the number of bankruptcies filed each  year is on the rise. People file bankruptcy for a variety of reasons, such as preventing foreclosure on their homes, preventing repossession of property, loss of employment, or reducing or eliminating debts. The most common types of bankruptcy for which individuals file are Chapter 7 and Chapter 13. Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years.

This book is divided into three sections: evaluating your need to file for bankruptcy, how to file for bankruptcy, and what to do after you have filed. In the first section, you will be provided with evaluation tools, determine your eligibility, learn how to check your credit report for accuracy, and learn about the different types of bankruptcy for which you can file.

In the second section, you will learn about the major changes in bankruptcy law, bankruptcy lawyers, alternatives to filing for bankruptcy, bankruptcy code, collection agencies, exempt property, nondischargeable debts, what bankruptcy can and cannot accomplish, the automatic stay provision, foreclosure, tax levies, bankruptcy fees, the 341 meeting, bankruptcy myths, the initial consultation with your lawyer, and bankruptcy timelines. You will learn the answers to some of the most common questions about bankruptcy, such as: “Will creditors stop harassing me?” “Will my spouse be affected?” “Who will know about my filing?” “Will I ever get credit again?” “What does it cost?”

The final section will provide a brief overview of what to do after you have gone through the bankruptcy process. We will address the issues of how to get car loans and home loans and how to build credit after bankruptcy. Whether you are filing for bankruptcy for the first time or, unfortunately, you have been through it before, When You Have to File for Bankruptcy will provide insight into the complex and burdensome process.

The Complete Guide to Writing Web-Based Advertising Copy to Get the Sale: What You Need to Know Explained Simply

Since the advent of the Internet and since more and more people are making purchases online, writers have had to adapt to composing copy for the Web. Contrary to what many people think, writing for the Web and writing for print are not the same and involve very different skill sets. Instead of struggling to find the right words, copywriters should read this new book from cover to cover to discover how to write sales-generating copy.

The Complete Guide to Writing Web-based Advertising Copy to Get the Sale will teach you how to make your copy readable and compelling, how to reach your target audience, how to structure the copy, how to visually format the copy, how to forget everything you ever learned about writing, how to pull in visitors, how to convince visitors to buy, how to outline and achieve your goals, how to create a customer profile, how to create a unique selling position, how to include searchable keywords in the copy, how to convert prospects to paying customers, and how to compose eye-catching headlines.

In addition, you will learn about the trends in Web-based advertising; the categories of advertising; the important information that needs to be included in your copy, such as what you are selling, what sets your product apart from the competition’s, where you are located, what makes your product affordable, and why you yourself would buy the product; writing in the inverted pyramid style; the do’s and don’ts of Web-based advertising; and key phrases to incorporate in your copy. We will also provide you with some common mistakes to avoid and tips for writing, revising, and proofreading.

By incorporating the principles in this book, you will take your Web-based advertising copy from boring to brilliant, while boosting your sales and increasing your customer traffic.

Legal Off Shore Tax Havens: How to Take LEGAL Advantage of the IRS Code and Pay Less in Taxes

An ever increasing number of Americans are convinced that our country is no longer the land of safety or opportunity when it comes to their money and investments. These people recommend transferring your money to offshore tax havens in such countries as Dubai, Hong Kong, Switzerland, Liechtenstein, and Panama. In fact, it has recently

been estimated that nearly 60 percent of the world’s money is located in offshore accounts. Legal Off Shore Tax Havens will show you how to protect your money and remain legal while doing so.

Off shore tax havens are sovereign nations that have laws in place that protect people’

s financial privacy, assets, and cash. In this new, exhaustively researched book, you will find out how to take advantage of this system. You will learn how the system works, how to develop business opportunities, how to avoid excessive taxation and regulation, how to bank and invest off shore, how to find the tax haven that is r

ight for you, and how to avoid scams.

In addition, you will learn about the safest, most private nations, the best off shore banks and tax havens, what is and what is not legal, the best haven for your specific purposes, mistakes to avoid, legal issues, and basic off shore entities. You will also learn

how sophisticated tax avoiders use countries such as Ireland, Austria, and the Netherlands to avoid suspicion; how to use residential tax havens, including Argentina and Costa Rica; and how to use Greece, the Phillipines, and Jordan as completely tax-free havens.

Legal Off S

hore Tax Havens will provide you with the strategies, knowledge, and contacts you need to avoid expensive mistakes and make the most of your offshore pursuits. This book is for those who are weary of paying high taxes and who are suspicious of the government. Whether you are seeking to move your business’s money o

r your own personal finance, this book will provide you with all the necessary information to make a smooth, legal transition.

OUTDOOR GLAMOUR PHOTOGRAPHY

In Outdoor Glamour Photography Bill Lemon explains, image by image, how each was created and the equipment used, as well as the time of day that produces the best image and how to use the light to your advantage. Also included is a discussion of scouting for locations that fit one model better than another, background

s, depth of field issues, and much more.

Reading light and not being afraid of it is the secret to wonderful pictures. In this new book, Lemon teaches you everything you need to know about light as it pertains to outdoor photography. In addition, he introduces the use of fill flash in certain situations and the use of what nature has provided for bounced light.

The step-by-step, image-by-image information contained in this book is highly enjoyable, whether you are interested in learning the process or simply want to gaze at breathtaking, tasteful artwork.