Child support modification is used to legally reduce the amount of child support paid each month. Many non-custodial Dads are under the impression that once child support has been ordered they are stuck with that specific Court ordered amount. Not true!

There are many reasons that reducing child support may be necessary, especially in today’s recession economy. Many Dads are losing their jobs, having their hours reduced, or having their pay reduced. Any of these instances may be cause for modification of child support.

There are special forms, along with instructions, for this procedure provided in DadsCanWin! The Department of Child Support Enforcement has the ability to reduce support payments without a court procedure but may not be willing to do so. Don’t despair, the law is on your side!

You may feel guilty about needing to reduce your child support payments. You may think it will lower your child’s standard of living and they will dislike you because of it. Well, you need to do a reality check. If you lose your job, or for any other reason can’t make your child support payments, you face jail time! Child Support Enforcement can suspend your driver’s license, recreational licenses, and other licenses you may need to work.

Sitting In Jail Because You Are Behind on Child Support
Payments Does Not Help Your Children

Getting a new job will be difficult if you have no driver’s license and without a new job you will not be able to pay your child support. You can see that this is a downward spiral to nowhere. Just think how your child will feel if you are not there to visit them because you are in jail! Not the picture you want them to have of their Dad.

So, the alternative of seeking child support modification seems like the intelligent thing to do. If you truly feel terrible, once you get your job back, or otherwise correct your income, problem you can then start paying more child support again. However, you have protected yourself when your income was reduced.

Each state has guidelines for the amount of child support based on, typically, the non-custodial parents income, and the custodial parent’s income. Many Dads are not aware that if their ex’s income changes substantially for the better, they may be able to reduce the amount of child support that is due. Be sure to check out your states guidelines when preparing your Child Support Modification forms.

This procedure can be done without an attorney thereby saving you typically thousands of dollars. In addition, most attorneys are reluctant to represent non-custodial Fathers in child support issues. But, you can do this yourself and DadsCanWin can show you the way.

Remember, the most important thing, if your income has changed, is to take action before you get behind. Losing your driver’s license and facing jail is no picnic. The law is on your side if you take action!

Have you ever dreamt to work in a top-notch financial firm and earn high salary job? If yes, then don’t waste your time and enroll your name in an online university to earn finance degree. As the businesses are expanding nowadays with fast rate, so finance degree holders are also in demand to handle the finance operation in a prominent way. Finance is the backbone of an origination which helps to make an accurate strategy for an organization and helps to grow it in a right direction.

Academic profile The academic structure of finance degree includes various streams like International Securities, Investment, Capital Markets and Banking, Regulation and Compliance, Corporate Finance, Financial Engineering and others. Finance Degree from online mode is offered by almost all universities at Associate, Bachelor’s, Master’s and doctorate level. Online mode is the best way for the students who don’t get time for the traditional classes. The degree at bachelor’s level will give you opportunity to start your job as a fresher whereas if you have acquired master’s degree in finance degree, then you will get many prestigious positions at higher levels. If you opt for finance specialization at Master’s degree in Business Administration then it would be wise investment for your career, as this professional degree would give you a plenty of job prospects at managerial level.

Some of the popular university which offer finance degree online are listed as below: Walden University University of Phoenix Capella University Kaplan University Florida tech university online Upper Iowa university

Employment opportunities Finance degree from online mode assures reputed job in top-notch financial firms with high paying job. It opens lots of employment opportunities in several sectors like commercial, education, non-commercial, IT, media, public and non-profit organizations. Moreover, aspirants get esteemed positions in different companies as a finance manager, Accountant, financial planner, Auditor, financial analyst, financial advisor, Credit analyst, Chief Financial Officer (CFO), Certified Public Accountant (CPA,) investment banker and others.

Start your business After holding finance degree, you can even start your business and give financial advice to other companies. With your own skill and knowledge of finance operation, you can find out the excellent path and develop your business accordingly. Aspirants can work outstandingly with their dynamic approach and plans to get high Return On investment (ROI) in each financial year.

Conclusion If you are a working professional and want to update your resume, then Finance Degree from online mode is the best way to make your academic profile worth a look. The degree provides you required skills, tools and techniques of financial operation which are essential to make finance strategies for a company.

Pradeep is a educational consultant who provides the information for students and proffessionals . He gives a lots of article like Finance degree online and others . For more information you can visit on this site uiu.edu .

With so many people facing foreclosure today, thousands of loan modification companies have emerged offering a financial lifeline. Unfortunately, most demand big upfront fees, are not sufficiently educated in the industry to actually help, and may hurt by wasting valuable time and effort, or many companies (about 75%) are in the business to scam people. As stated by Illinois Attorney General Lisa Madigan–If you are struggling to make your mortgage payments, or if you are facing foreclosure, stay away from anyone who says that they will save your home for money upfront-.

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Loss Mitigation Specialist C. Thompson Sr (Nationwide Assistance, Clermont, FLA), has determined several tale tale signs of scamming by these companies:

Charges a huge upfront fee- the purpose of the fee is to contact the lender to ask for a loan modification. But, if turned down, only half the fee or none of the fee is returned. In these cases, there should be a money back guarantee.

Will not explain the purpose of the fee- all services should be explained and all questions answered.

Is not interested in your circumstances- may not have your best interest at heart.

Does not stop the foreclosure proceedings during the negotiation.

Will accept the first proposal from the lender, which may not suit your circumstances.

A virtual company-no real office- may not be a real company.

Too good to be true- promises a fantastic interest rate or/and an exact principle reduction amount, without consulting the lender. No promises can be made without negtiating with the lender.

No approval process-An approval process should be the first step in the modification process, before a fee is paid. The process should not include credit qualification, and approval should not be made on the first phone call.

Not a member of the Better Business Bureau.-they are not a leader in the industry.

Fortunately, you can avoid these scams. There are other avenues to pursue if you need assistance with your urgent mortgage problems. Consider a non-profit agency that will assist you without charging a fee, or a real estate licensee and an attorney who will work and allow payment after the work is completed. You can also obtain free advice and consultation for your refinance, loan modification and foreclosure needs through several government agencies:

Hope NOW –

FHA –

California Department of Real Estate –

Making Home Affordable-

The information presented above applies to home refinancing and loan modification abuse. However, if you are seriously looking to improve your finances in general, visit to find out more.

Loan modification option is chosen by a homeowner only when he is overstressed by the non-repayment of his home loan and frustrated from the frequent reminder calls of his lender. This leads to a fear about the uncertain future and the threat of foreclosure. All these things work together and people apply for a loan modification process as the last and only hope. This in fact was the previous thinking but today with the efforts of the present government, mortgage modification process has been simplified and made feasible for every citizen of America.

Today loan modification can solve all issues regarding late payments of the home loan or the danger of foreclosure and restructure your loan into payments that you can easily afford and this will actually put you back to life. You need to stay positive and look into this loan modification matter in a different way because now this is your right and there is nothing like mercy sort of thing involved here. You need to hold your head up and keep the optimistic result in mind because the whole process will take some time and you will have to work patiently throughout the entire process.

Applying for a loan modification process is a systematic procedure and you need to find out the requirements of your lender first. This will help you plan further and collect the documents and arrange them according to the sequence of requirement. The documents should be supportive to the declarations and statements that you make while filling up the application form. You are also required to fill the form properly and in fact you should double-check it very carefully before submitting it so that not a single point is missing or left out. There have been many rejections only because the application form was not duly filled.

Then there is hardship letter that needs to be written in which you have to give in details of your hardship that can be your job loss, illness, divorce, being overstressed due to loan repayments or any other one. The hardship letter has a big role to play in the approval of the loan modification as many lenders have made it the decisive criteria for this program. So you should write an impressive and motivating hardship letter that has the capability to earn the lender’s sympathy and make him feel that you are the most eligible candidate for loan modification program.

These bikes have some very restrictive parts fitted when standard and therefore the first move is to try to remove these parts for better ones. The carburettors and air filters on these bikes mean that fuel and air supply to the engine are limited and therefore the ride will not be as smooth or as powerful because of this.

The first thing to do then is to buy a new race carb, these can be purchased off some websites for around 40-50, this is quite cheap considering the gain in performance it could achieve. After this has been fitted it is a good idea to derestrict the airflow with a free flow air filter (K&N style). This will add extra horsepower to your pit bike and give a great performance boost.

The next part which I would change would be the exhaust and manifold, which are again very restrictive to the engines of these bikes. A performance exhaust can be found on some sites for around 50 but can also retail at a few hundred pounds so be sure to shop around first.

Once these modifications have been made there will be a great power difference increasing low and mid range power as well as top end.

However there is still more to do in order to get the most out of your pit bike, in pit bikes the CDI unit is often restricted. The limiter on these are usually set around 8,500 rpm which means you will not be getting the most out of your bike if this is left standard.

A performance CDI unit can be purchased for these bikes which will mean that these bikes can now rev freely up to about 10,000 rpm which will mean smoother power curves and better acceleration and top end.

Adjustments can be made to the gearing of these bikes as well, in order for you to adjust this depending on the style of track you will be riding on. The best thing to do to change the gearing of the bike is to experiment with the set up of the sprockets. Standard sprockets are usually 14 tooth on the front, with a 37-40 tooth sprocket on the back.

Changing the front sprocket with a larger one will result in better top end, and a smaller rear sprocket will have the same effect, however acceleration will be lost when top end is gained and vice versa.

For more information on modifying pit bikes, or for details of parts for sale which will increase the power of your pit bike then visit www.minimotosgo.com and take a look for yourself.

In these tough economic times, nearly anyone could fall into financial hardship. Regardless of the circumstances surrounding a person’s situation, financial obligations do not let up. Very easily, a person can feel too far behind to ever catch up.

Whether medical problems, extended unemployment, or other unforeseen circumstances are the cause of financial distress, loan modification lawyers can help. Loan modification lawyers can work with creditors to renegotiate the terms of a loan.

While loan modification lawyers in NJ may work in the same practice as bankruptcy attorneys, but generally have a different emphasis. Normally, loan modification lawyers seek to prevent bankruptcy or foreclosure.

Loan modification lawyers know that creditors, especially the holder of a home mortgage, want to avoid the bankruptcy and foreclosure process. If a NJ bank has to foreclose on a property and work with bankruptcy lawyers, they will lose a lot of money.

NJ bankruptcy lawyers and NJ bankruptcy attorneys know that the foreclosure process itself is very expensive, so most banks would like to avoid it if at all possible. Loan modification lawyers help take advantage of this fact to negotiate loan conditions that allow the client to meet payments.

Loan modification lawyers can help a client ask for smaller payments spread over a longer time, or for a lower interest rate. Taking this step can keep a client and family in their home, and can be a responsible step to take at the earlier stages of financial distress.

NJ bankruptcy attorneys can help clients if loan modification offers are rejected or were not sufficient to alleviate financial distress. If a person simply cannot meet his or her financial obligations, NJ bankruptcy attorneys can serve as guides through the bankruptcy process.

Like the loan modification experts, NJ bankruptcy attorneys can work to keep families in their homes. NJ bankruptcy lawyers, however, must work within the court system to meet this goal. Once in court, a judge must approve the NJ bankruptcy lawyer’s plan to pay debtors.

NJ bankruptcy lawyers can ask for different arrangements, depending on circumstances. They can request that payments be adjusted, or that debt be absolved with the sale of the property.

Unfortunately, without NJ bankruptcy attorneys or NJ bankruptcy lawyers, the process can be very complicated. NJ bankruptcy lawyers specialize in this legal area, and can simplify and explain all options and proceedings. Clients also appreciate NJ bankruptcy attorneys’ assistance with completing and submitting paperwork.

About Us:

At the Law Offices of Kasuri & Levy, LLC, we have over 45 years of experience. Our loan modification lawyers have an outstanding reputation, and are known for handling complex matters with a comforting and personalized touch. We focus on providing quality service to each client, rather than handling client matters with quantity in mind. Learn more at www.kasuriandlevy.com.

In todays world people are very much familiar with the term insurance. Whether it is for life, health, vehicle, fire, disability or liability, insurance serves as financial tool for securing your life and property. It is a cover used for protecting you and your family from rising unexpected health expenses or certain life outcomes.

Simply we can say that insurance is used for managing the possible risks of future. It is an important part of your personal finance strategy. The money invested in insurance works like your emergency fund. It protects you from unforeseen circumstances for which you are not prepared. In this article, you will get to know why insurance is worth considering and how your financial needs are taken care by insurance policies.

Why insurance is taken?
It is important to understand that risk is a part of any persons life. Throughout your life you may face many kinds of risks such as financial losses, accidents, falling ill, etc. It is also necessary to know that risk increases as a person becomes old along with the increase in responsibilities. So, insurance is taken for such unexpected events and to maintain a good quality of life even while going through unforeseen adversities.

A rich person need not have insurance. Only the not so rich or poor need it to take care of his/her financial needs in unfavorable conditions. Insurance helps you to take care of the situations where large amount of funds may be required and it would be difficult or not possible to arrange money in that situation. So, in that condition, your financial needs are taken care by insurance.

Insurance is a security for your life and property
Every stage of your life needs insurance. Not taking insurance is like gambling with your savings. We believe that insurance is needed when income is low and financial needs are large, due to some negative outcomes. It is a good thing if you never have to en-cash insurance. Though insurance can take care of financial needs there will be still other non-financial negative outcomes that insurance cannot help.

With the help of insurance you can secure yourself and your family from unexpected and unfavorable conditions. Think practical and bear in mind that it is better to pay small premiums now than to pay huge amounts in future.

Plan to have adequate insurance
You should not take insurance as an investment tool, rather you must consider it as a personal financial tool that helps you to take care of your financial obligations and to maintain your familys living conditions, in the event of negative circumstances. A right kind of insurance with an adequate amount of coverage must be obtained. For this, you must evaluate your unique financial and family circumstances.

Having insurance is a way of protecting your quality of life and valuables. By this time you may have realized the importance of getting insurance to have financial peace even in unforeseen circumstances.

How technology has affected the financial department in organisations?
Theres no doubt that new cloud technology has had an incredible impact on todays workplaces, particularly those who work in, or are involved with the financial aspects of an organisation. Over the last few decades, new and different technology has been injected into the workplace at an ever increasing rate. One of these is the use of the mobile device.

Smart phones, netbooks, iPads and other such tablets detach us from our desks and give us the freedom to roam with our work. Imagine using a cloud-based accounting and finance system. This would allow you to review budgets or produce financial reports from the garden, a taxi, or even on holiday. Having access to your financial data and information, whenever is suitable for you and wherever you are, cant be a bad thing for business.

Managing the accounting and finance function on the go
Most businesses have adopted mobile technology in some way or another, as its hard to ignore the lure of the high mobility and other strengths that come with cloud computing, particularly for accounting and finance professions. Smart phones started this revolution, and they are now an important device for the hard working professional. But now, the tablet device has enhanced our mobile experience even more. Theres more mobility offered than we get with laptops, and the screen is bigger than you get with smart phones, making it all the more easier to view and analyse your financial budgets, reports, expenditure, etc

Tablets enhance user experience
How many times have you been in a finance or board meeting and someone has requested some information that you can only provide once youre back at your desk? Well, with a tablet or any mobile device its right at your fingertips. It can be discussed straightaway, a decision taken and communicated to the business without you leaving your meeting.

With easy access to email, calendar and contacts built in to most devices, the most simple business functions are now easy to get up and running in a few easy steps. Add on many of the freely available apps and you have a fully functioning business tool.

Where next?
All mobile devices are tools that should ultimately enable, not disable business. So if you find a cloud-based accounting and finance system that allows you to work on the go, and allow other people access to the information they need without needing your help, then the way organisations are run can change for the better.

The definition of finance is the provision of funds or loan supplied to an individual or company. Often this term is used for the study of economics and how money is controlled. It can be also defined as the management of funds and capital required by a business and private activities. Management of finance has also developed into a specialized branch within the financial sector and is carried out by finance managers.

Managing this involves dealing with the optimization and allocation of funds to various areas either by borrowing or by using those available from internal resources. The word Optimizing may sound strange but it refers to taking measures that minimize the cost of financing while simultaneously attempting to maximize the profits out of the employed finance. Bad debts are poor finance management where rules have not been followed; the result of this is depressed markets, low production and a cash crisis. It is for this very reason that finance managers are very careful with finance they agree too and where it is funded from.

It is not uncommon to hear finance managers referred to as bean counters as they are looking at immediate returns and initial costs against the potential at a later stage. Finance managers are the pessimists whereas sales managers are the optimists who look to the future and not to the past! Often though, problems occur with small businesses who fail to see the distinction between a business loan and a personal one. Most lenders will cancel the loan if they feel they have been deceived this way because they are unsure what the money is to be invested in.

Hopefully by educating the small (and large) business owners of their fiscal responsibilities they may build the basis of an improved company in the future. Small businesses can be very flexible, however, and call upon friends, other businesses, family members, even their own bank for finance.

Finance managers can help improve their company’s profits by using external sources which also lessens the risk on them at the same time. The famous comedian Bob Hope best summed up the subject when he once said; a bank is a place that will lend you money but only if you can prove that you don’t need it.

Due diligence is the term commonly used for investigation of any kind. People in todays world are extremely cautious before entering into any kind of investment whether it is stocks or assets. Investment due diligence involves performing a thorough check up on the property before investing. In case of stocks or hedge funds, the person can perform due diligence by going through the prospectus and checking on the fund managers background and capability. Investment due diligence when it comes to property, requires a specific check list which takes care of the authenticity of the transaction and acquisition, as in the case of industries. An effective checklist will contain the financial background of the principal, the physical condition of the property and the marketing capability of the place. If the due diligence investigation is performed properly then the buyer can avoid himself from getting into a trap.

In case of commercial properties, the commercial landlords often conduct a thorough due diligence investigation. Preparing a proper acquisition due diligence list is very important for commercial property investors. They must look for the underground and storage tanks, drinking water taste reports, radon and remediation reports, plans and survey report and also visit the site physically to track any kind of disputes between the seller and the buyer.

The Merger and Acquisition (M&A) activities are mainly dependent on the analysis of due diligence. It mainly involves financial and legal due diligence. The merger and acquisition by companies take a deep look into the financial assets, articles of incorporation, market value, technology and the competency of the company. Once a company decides to sell the property, the bank is taken into confidence to keep the M&A accounts. Then the property is given to the investment bank; thereafter, investment banking due diligence starts playing its role. The bank goes through the legal points and discusses the litigation issues before the sale.

In the case of rental residential properties, there is also an effective due diligence method. This method is commonly used by collection agencies appointed by the landlords to track the default tenants. The collection agencies use the skip trace tools to track the contacts of the faulty tenants.

So, whether it is a small or big investment, due diligence investigation plays a pivotal role in property investment. Proper investigation can result in fruitful investment and can take you a long way. Consult the masters and invest today!