How Will The Changing Interest Rates Affect You?

Do you use credit? If you do not, you are the exception to the rule. These days, most Americans use credit regularly. Statistically speaking, more than 80% of American households owe some kind of debt. This debt comes in various forms, ranging from high-interest debts like credit cards and payday loans to lower interest debt such as auto loans, mortgages and student loans.

When you add it all up, the total debt owed by American households is a staggering $12.35 Trillion.

5 Reasons Why a Prenuptial is a Good Thing

The gossip columns and news headlines are filled with stories about the seemingly unfair distribution of assets after celebrities divorce. In a typical scenario, one ex-spouse gets the raw end of the deal, while the other is awarded a windfall – which could be in the millions when you consider a star’s sizeable salary. What many people don’t realize is that divorce courts are simply applying valid legal principles, even if the arrangement doesn’t seem equitable.

However, it is possible to avoid the application of divorce law by executing a “prenuptial” agreement that lays out relevant financial and other legal matters after the marriage ends. Rather than allowing a divorce court to make the determination, the parties use a prenuptial agreement to identify their preferences regarding the distribution of assets and debts. While many presume that these arrangements are intended to protect the richer spouse from losing everything in a divorce, the truth is that there are multiple reasons for both parties to execute a prenuptial agreement. Here are five of them.

10 Things to Consider Before Buying a Used Car

According to Edmund’s most recent Used Vehicle Market Report, there were 38.3 million transactions involving used vehicles during 2015 – not surprising considering the benefits of buying a pre-owned car. Compared to purchasing a new one, the price tag is lower and you can take advantage of reduced insurance rates. Plus, a used vehicle can last for many miles, and several years, with proper care and maintenance.

However, while buying a used car makes financial sense, you can actually lose in the long run if you act on impulse in making the purchase. Whether you’re looking at private sellers or working with a dealership, it’s necessary to do your homework before taking the leap. You need to arm yourself with knowledge about the vehicle and the process, including executing the proper paperwork to transfer ownership. Here are ten factors to consider before you buy a used car.

Handling Certified Copies of Public Records and Other Unusual Notary Requests

The majority of the time when you’re asked to provide notary services, the circumstances will be clear-cut and you have no concerns either notarizing a document – or declining to because it would be a violation of jurisdictional rules. However, there are times when a notary public may face unusual requests, such as asking for a copy certification of a record or identification paperwork. You should always contact the official agency that issues and maintains your notary credentials, but some background can help you understand what to do when a customer presents a document that you’re unsure about.

A Guide to Notarizing for Physically Impaired Signers

The majority of the time, your job as a notary public is straightforward and there are few issues with checking for signatory identification, reviewing the documents and assessing willingness to sign. However, many notary professionals will be faced with a person who is unable to sign due to some physical impairment. You may have doubts about whether you can go forward with the notarial act under the circumstances, but the law in most states does make concessions for such a situation. There are multiple ways to notarize a signature and still stay within the confines of your jurisdiction’s law. Here is a look at a few options.

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