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Questions to Ask Your Financial Advisor about Your Retirement

Ask Your Financial Advisor about Your RetirementSaving for your retirement may not be so important when we’re young, but as we age we begin thinking more and more about it. How old will you be when you decide you don’t want to work full-time anymore? Or, more importantly, will you get to a point in your life when you feel you no longer can work full-time—or at all? These are the reasons why it’s important to not only begin thinking about your retirement when you’re younger, but it’s important to start doing something about it. Thankfully, if you’re older, you still have time to save for your retirement, but naturally, you have less time which means you’ll need to go a little more gung-ho at it. Whether you already have an advisor or you’re shopping for one, you need to know the questions to ask about your retirement in order to start saving properly. Top financial advisors have the 5 most important questions you must ask that will help ensure that you’re ready for retirement whenever you get there.

The first question you need to ask about your retirement is a question that only you (and your partner) can answer:  What do I want out of my retirement? You need to sit down and map out a realistic vision of your future that includes such items as where you will live and what you will do. For instance, have you and your spouse always dreamed of the proverbial cross-country Winnebago retirement? Or perhaps you’re the kind of guy who wants to spend his retirement fishing? Whatever your retirement looks like, do a little research in advance about what you’ll need. Then take the following questions to your financial advisor.

How to Find a Financial Advisor

How to Find a Financial AdvisorHiring a financial advisor is an excellent way to have your money managed responsibly. Managing your money can be tough, and with all the ins and outs of the trade, it’s often best to find someone who’s knowledgeable and experienced in such tasks. But finding a financial advisor isn’t easy, particularly if you don’t have a lot of time to put into this undertaking. Job one will be finding a financial advisor you can trust. Naturally, your search needs to end with someone who is educated and has the necessary expertise to properly manage your funds. Finally, you need to find someone who will communicate with you regularly and who is accessible when you need them. Here is a list of the most important things to look for in a financial advisor, compiled by top financial advisors who know of what they speak.

I Can’t Afford a Lawyer

I Can’t Afford a LawyerFinding a lawyer when you need legal representation is a difficult task. First, simply being in need of an attorney means you’re in the midst of legal problems, which can be taxing. Second, not everyone can afford an attorney, making legal problems even more trying. Finding a good lawyer when you can’t afford to pay a lot of anything at all can be problematic. Thankfully, there are a number of resources available to any U.S. citizen who can’t afford a lawyer who finds himself or herself in need of legal counsel. Federal legal-aid programs, pro bono programs, legal clinics, law schools—these are some helpful free or low cost options that are available to those who can’t afford a lawyer when they need one. In fact, if you find yourself needing legal representation, there may even be a lawyer near you who can help if you can’t afford one.

How Are Lawyers Paid

How Are Lawyers Paid?

One of the foremost questions people have on their minds when they find themselves in need of legal representation is, “How will I pay for this?” Naturally, those who are fortunate enough never to need an attorney will not have to worry, but many of us will at one time or another end up in a legal bind wherein hiring an attorney will be quite valuable. In those cases, it’s helpful to understand how lawyers are paid in order to decide which type of fee will work best for your particular situation. It’s also important to know that if you cannot afford an attorney, there are programs available that could help. Top lawyers are able to answer all your questions about the different fee options in the legal profession, such as contingency fees, hourly fees, fixed fees, and retainers. Following is a breakdown of what these mean and how they work.

It’s important to know that oftentimes the fee arrangement will be dependent upon which type of case you need representation for, such as divorce, criminal, foreclosure, landlord/tenant, etc. It may also be decided by the amount of research involved, how much time an attorney will need to spend in court, and the amount of time that will be needed to come to a resolution of your case.

What Are Your Rights at Work privacy at work

What Are Your Rights at Work?

Knowing your workplace rights is an important part of working outside the home. These days, people often speak of their ‘rights,’ but when it comes to the jobs we do for our employers, we often don’t know what those rights are. For instance, what about privacy? Do you have a right to privacy when you’re at work? What about termination? If you’re working for a company that fires you, did you have a right to expect never to be fired unless you did something egregious on the job? Or can they fire you for any old reason? What harassment, particularly sexual harassment? This subject has been in the news a great deal in the past couple of decades, so most of us know that sexual harassment from a superior is covered under the law. But what about sexual harassment from a co-worker—is that still covered under today’s anti-harassment laws? Following are tips about your rights in the workplace from top employment lawyers that will give you an idea of where you stand, legally, at work.

How to Choose a Lawyer

How to Choose a Lawyer

Many of us are lucky enough that we’ll never need a lawyer in our entire lives. However, many more will need an attorney at one point or another, and when that time comes, it’s important to know how to choose a lawyer. Thankfully, the days of throwing open the yellow pages to the attorney pages, shutting your eyes, and pointing to one are long gone. Today, there are a number of valuable resources that will help you choose a lawyer if you find yourself in need of one. Lawyer referral services, online resources, lawyer directories, personal referrals and business lawyers can all be a wealth of information that can help guide you to a lawyer who is right for your situation.

Questions about Estate Planning

Common Questions about Estate Planning

Everyone has an estate, even those who do not consider themselves wealthy.  An estate is comprised of anything someone owns including their home, vehicle, bank accounts, life insurance policies and other personal possessions like jewelry.  Estate planning is the process of determining what will be given to whom (individuals and organizations), when an untimely death occurs.  Top estate law attorneys emphasize the critical nature of estate planning.  Here are some of the most common questions they receive regarding this topic.

How to Resolve Business Disputes

Business Disputes lawyer west orange njA partnership that originally began as an amicable relationship can often deteriorate when two individuals have different visions for the business. While some of these disputes are easy to resolve, others require a bit more effort; some might even necessitate the consultation of a top business lawyer. Once both parties have decided that legal help is required to resolve the business dispute, there are still a few more steps that must be completed to move forward from the issue. Here are some of the top ways in which involved parties can effectively resolve business disputes.

Digital Marketing for a Law Office

Digital Marketing for a Law Office

Common characteristics of thriving law offices include a loyal client following, a high success rate, and a strategic digital marketing plan. While the first two elements seem like no-brainers, the third is a bit more difficult. Promoting a law office simply by word of mouth is often not enough to earn the confidence or business of potential clients. Digital marketing for lawyers requires a dynamic, modern approach to the market and a plan consisting of established strategies that maximize returns. While this may seem overwhelming at first, a practiced marketing plan will generate new business and ensure the retention of existing clients who are sure to be impressed with the firm’s digital marketing strategy.

What is an Indemnity Agreement?

indemnity agreement

When an indemnity agreement is set in place, financial responsibility is decided.  Indemnification according to Black’s Law Dictionary, is “a duty to make good any loss, damage or liability incurred by another.” In general it means to “hold harmless” such that one party will hold another harmless in the case of damage or loss. Therefore, indemnification is the act of not being held liable, or of being protected from costs associated with damages. The costs are shifted to another party who is held liable and will have to pay for any such losses. Indemnity also comes with the understanding that when a party is injured, they have a right to claim compensation or reimbursement for any loss or damages. It can also refer to being compensated for damages or loss that occurs because of the action of a separate party. Or it can be described as a sort of legal exemption from having to pay any type of loss or damage in cases where an indemnity clause is included in a contract.