Now that winter is here, you need to make sure your vehicle is prepared for the cold weather and other emergencies you might encounter this time of year. Here are four safety tips you need to remember if you want to avoid accidents and injuries this winter. #1: Inspect Your Vehicle Don’t drive your vehicle this winter without first ensuring it is ready for the harsh weather. Your winter inspection ...
The holidays are finally here, but do you have enough money for all the gifts you need to buy and parties you have to attend? Keep reading to find out how you can save funds during the holiday season. Make a Budget While the word “budget” doesn’t appeal to everyone, you need to establish a spending cap or allocate a specific amount of money for each person you want to buy a gift for. If you decide ...
First, you need to understand that you don’t need to be bedridden to be approved for benefits. The standard is whether your condition makes it so you can’t perform substantial gainful activity. Put simply, you should be prepared to prove that you can’t perform even the easiest, low-skilled jobs. However, just because you can’t perform tasks necessary for your occupation doesn’t mean that you’ll ...
Are you starting to feel stressed out because you’re constantly worrying about how much money you have in your savings? No matter what stage of life you are in, it is never too late to start setting aside money for emergencies and major purchases, such as buying your first home and preparing for retirement. Make a Realistic Budget Add up all of your expenses and all your sources of income. ...
At the Lam Law Firm, LLC, we have years of experience handling bankruptcy matters on behalf of clients throughout South Carolina. Our lawyers have seen it all when it comes to bankruptcy cases, but one thing that remains consistent is the fact that the majority of bankruptcy cases could have been avoided with better financial planning. Below, we give you three tips that can help you save money and ...
When you’re already dealing with severe financial hardship, creditor harassment can push your mental health to its limits. From confronting you at your workplace to leaving embarrassing and threatening voicemails, creditors can be relentless when it comes to seeking payment – even when it violates the laws set forward by the Federal Trade Commission (FTC). At Lam Law Firm, our Myrtle Beach ...
When you’ve been dealing with significant debt burdens for years on end, you may eventually decide to get a fresh start, by filing for Chapter 7 bankruptcy . This form of bankruptcy allows you to “discharge” most forms of unsecured debt, including mounting credit card balances and bills from major medical expenses. Because of this, Chapter 7 is often referred to as “debt forgiveness.” However, in ...
For many people, the holiday season is truly the most wonderful time of the year, from spending time with loved ones to exchanging thoughtful gifts. However, some unethical people view the holidays as a chance to take advantage of people when their guard is down. Holiday financial scams are unfortunately becoming more common with every passing year – in fact, the IRS even released a warning this ...
We get it: Budgeting is hard. Throughout 2018, you may have felt a lot of frustration as you watched your credit dip deeper into the red, while your savings accounts fell to the wayside. But now it’s going to be a brand new year, which means you can make some New Year’s resolutions to yourself – and your budget. At Lam Law Firm, our Myrtle Beach bankruptcy lawyer Huong Lam knows how difficult it ...
First, you need to understand that you don’t need to be bedridden to be approved for benefits. The standard is whether your condition makes it so you can’t perform substantial gainful activity. Put simply, you should be prepared to prove that you can’t perform even the easiest, low-skilled jobs. However, just because you can’t perform tasks necessary for your occupation doesn’t mean that you’ll ...