Getting your credit report each year is very important, especially with so much identity theft these days. I recommend that you get your free credit reports from the 3 reporting agencies at one time, securely and on-line, at https://www.annualcreditreport.com. They...
Cleaning for a Reason - If you know any woman currently undergoing Chemo, please pass the word to her that there is a cleaning service that provides FREE house cleaning - one time per month for 4 months while she is in treatment. All she has to do is sign up and have...
If you would like to add a picture for all your social media sites or when you blog or post on web forums, you can go to http://www.gravatar.com and upload your picture and email address. It is free of charge. Then WordPress and other sites will automatically pull in...
Sometimes doing nothing is the best thing to do. Our office has received several calls from people that have been sued for credit card or similar debt that they have not been able to pay due to financial difficulty. They don’t dispute that the money is owed. They just...
A Medical Power of Attorney (MPOA) allows you to appoint an agent to make medical decisions for you when you are unable to make those decisions yourself. Those decisions may cover the giving or withholding of Band-Aids clear up to life support. The MPOA does not say...
Texas is a community property state, which means that you may own both community property and separate property. If you are not married, then all of your property is separate property. If you are married, then when and how you acquired the property will determine its...
I just received a call from a woman in tears because a collection agency was threatening to have her thrown in jail for non-payment of a credit card debt. I told her to rest easy. First of all, we don’t have Debtor’s Prison in this country for the non-payment of a...
The exemption amount for Federal Estate Tax was $3,500,000, with the highest estate tax rate of 45% until December 31, 2009. On January 1, 2010 it was repealed. Unless Congress does something to change things, on January 1, 2011, the Estate Exemption goes back to...
Your Will is a document that allows you to transfer the property that you own on your death to the people or groups that you want.
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