Ballpark Estimate: $35 to register a copyright online; $45 to submit a hard copy If you’ve created an original work of literature, music or art, American law provides a copyright that prohibits others from stealing it and presenting it as their own. A copyright protects your legal ownership of original work you develop so that no one else can copy your creation in its exact … [Read more...]

Ballpark Estimate: No upfront costs, but you will pay more overall to increase loan term If you owe multiple students loans to pay for education, you may be able to apply for a consolidation loan that will allow you to combine all of these obligations into one and make only one monthly payment. This can make it easier to pay off your balance, but – and there is a real but … [Read more...]

Ballpark Estimate: Penalties and interest increasing amount owed by 25% + Have you filed your taxes yet? If not, the deadline to do so is midnight on April 15, but the Internal Revenue Service recommends that people submit their tax paperwork even sooner if possible. This is good advice because if you owe the government money, procrastinating beyond that date comes with tax … [Read more...]

Ballpark Estimate: Up to $350 in plan fees for a 5-year loan plus the cost of interest If you are in need of money for some sudden or unexpected expenses, you may be tempted to borrow from your retirement account. This can be an easy-to-access source of funds to get you through an emergency situation. Yet some experts warn that this loan doesn’t come without significant … [Read more...]

Ballpark Estimate: 25% (or more) interest on a loan or pawned item So you take a look at your electric bill and realize you don’t have the funds to cover it. Or maybe you’ve got the funds, but they’re set aside for groceries. The electric bill is due in two days. What do you do? In tough economic times, more people are turning to pawn shops when they need quick cash; and … [Read more...]

Ballpark Estimate: Between $200 and $400 a year If your pet ever became seriously ill, would you be able to afford the expense of the veterinary bills? While in some European countries, many pet owners view pet insurance as a routine cost of the responsibility of caring for their four-legged friends, in the United States, the concept hasn’t caught on in the same way. The … [Read more...]

Ballpark Estimate: Interest plus as much as $150 a year in annual fees Running a successful company requires more than having a good head for business. You’ll also need easy access to an extra cash flow that you can tap into as needed in order to help you bridge those difficult financial gaps. The Need Do you need a way to cover your business bills while you wait for … [Read more...]

Ballpark Estimate: $1,000 to $10,000 Being stopped for drunk driving is probably your worst nightmare and the drama only gets more complicated from there. Therefore the most important thing you can do to protect yourself is to hire a DUI (Driving Under the Influence) Attorney to represent your case. The Need To Invest Driving under the influence is a very serious charge … [Read more...]

Ballpark Estimate: $15 to $30 in fees for every $100 you borrow If rising expenses leave you unable to cover your bills this month, you may be tempted to take out a payday loan. Payday loans are short-term loans (often lasting just a week or two) that serve as a cash advance on your next paycheck. The way it works is that you contract with a lender who will provide you … [Read more...]

Ballpark Estimate: $300 for filing fee; $1,500 to $3,500+ for lawyers fee No one wants to file for bankruptcy, but sometimes things go wrong. For many Americans, health problems and medical bills are the cause of financial ruin. Maybe your business fails, you lose your job, or your bills just pile up faster than you can pay them. Slowly but surely, the creditors start … [Read more...]

Ballpark Estimate: Between $25 and $150 for 1,000 basic cards What’s the biggest marketing tool your company has? If you think it’s your business cards, you’re probably right. These small and relatively inexpensive cards can make a very big impact toward your goal of getting your company’s name out to a wide range of perspective customers. And your card will not only tell … [Read more...]

Ballpark Estimate: $300 to $500 per hour, $1,000 to $1,500 per month Do you ever wish you had an expert to guide your company and help you achieve your long-term personal and professional goals? If so, you may benefit from the experience of a business coach. The Need For An Expert Perhaps you want some advice on helping to helping your company hone its strategy. Or maybe … [Read more...]