If you think about it, it doesn’t really take much reason to practice proper financial management. Instead of asking why you need to do so, the correct question is, why not?

There are many financial questions out there, many things to know and much to learn. But, I want you to go back to the basics. How long has it been since you checked in with your monthly revenue and expenditures for yourself and everyone who lives with you? Sometimes the answer is “it has been a very long time”. Sometimes the answer is “not so long ago” and then the “not so long ago” turns out to be a year or two. Much can change in a year, especially in today’s economy.

It may sound like a simple thing to do. However, the key is to get hold of a very effective and simple financial management tool that will help you balance your incomings and outgoings so that you can see actual savings in your balance sheets. Once you accumulate savings using these financial management tools, then you can start investing these savings in various forms such as bonds, real estate, etc.

There is a concept in the law that makes people responsible for the things people who are acting as their agents do. This is known as “respondeat superior.” With a few exceptions, an employer is liable for the actions of an employee. That means a client is responsible for the actions of his or her lawyer. In general, this means that a debt collector is responsible for anything that its attorney does. Or to put it differently, you don’t need to sue the lawyer to attack the debt collector.

QUESTION 1. Many of the lawyer filing bankruptcies aren’t qualified enough to lead your bankruptcy case. Verify that your lawyer is qualified. Ask for references, research their history online, contact your state bar. Specific certifications are important indicators to judge whether the lawyer is qualified enough to handle your case.

IF IT SOUNDS TOO GOOD TO BE TRUE… [CHOOSING A LAWYER BASED ON COST] Cheapest is seldom the best. On the other hand, just because something costs a lot does not make it better than something that costs less. Would you choose a doctor or dentist based on how cheap his services are? No, not if you can help it. You want the best doctor, the most attentive doctor, the smartest doctor, the most knowledgeable doctor at the best price. Cost may be a legitimate factor in choosing a lawyer but it should be the last and least significant factor. Cost certainly should not override other factors such as ability, experience, reputation within the legal community and client testimonials. Can you afford cheap legal advice that may be bad or wrong?

After that, you do not have to make long explanation about your properties and etc. You just talk with your lawyer how to make it finish well. Sometimes greedy divorce lawyer will make your case in a long period; so that you will keep paying them. Be careful with this lawyer.