Best Lawyers for a Car Wreck

Not that long ago, I was blindsided by another vehicle while I was driving down the road. I suffered some pretty bad injuries in the accident. I am not sure how much my medical bills will be when everything is said and done, but I want to find a Sacramento personal injury attorney to help to make sure that I get the money that I am owed. I am not going to settle for less than a reasonable amount to cover the medical expenses, plus all of the suffering and other problems that this accident has caused me.

When the accident occurred, I was going through a traffic light, which I had a green light for, and the driver that hit me, was also going through said traffic light. The difference is that they had a red light and they were coming from the opposite direction. Or not the opposite direction, but perpendicular to the motion of my vehicle. They t-boned my vehicle and caused it roll a couple of times.

During the crash, I suffered some head injuries, including a concussion. Continue reading “Best Lawyers for a Car Wreck”

7 Reasons Why Americans Retire in Thailand


Retirement can be financially difficult for many Americans. The median retirement account balance in the United States is below a level that will sustain a retiree until death. With Social Security benefits on the decline, this provides many Americans with a retirement problem.

If retiring Americans are looking to maximize their retirement, it’s a good strategy to retire to Southeast Asia, in one of many countries that offer a tropical lifestyle for a bargain. One of the most popular retirement destinations in Southeast Asia is Thailand, which offers a low cost of living and a relaxing lifestyle.
1. Low Cost of Living

The cost of living in Thailand is much lower than in the U.S. It’s possible to buy a one-bedroom home in the popular Chiang Mai area for around $50,000. A retiree can rent a similar home in the Chiang Mai area for around $500 per month.

Food, transportation and entertainment also cost comparatively less than they do in the U.S. For roughly $1,500 a month in total living expenses, a retiree can live a comfortable lifestyle in Thailand.
2. Delicious Food

Thai restaurants are some of the most popular international eateries in the

8 Ways To Find Cheap Textbooks


According to U.S. News & World Report, the average college student spends up to $1,200 a year on textbooks. Worse yet, the price of college textbooks has increased 82% over the last decade with no end in sight.

Fortunately, college students who want to lower the cost of obtaining textbooks have some options.

1. Free

Since free is about as cheap as a college textbook can get, start with an online search at Project Gutenberg. Project Gutenberg specializes in scanning out-of-copyright books in the public domain and placing them in its library. The site claims to have more than 49,000 free eBooks, including many in Kindle format. Other free online book resources include Google Books and is also worth mentioning and includes free textbooks in PDF format, mostly in the fields of accounting, economics, engineering, information technology, marketing and management.

2. E-Textbooks

If you are comfortable reading on your computer or tablet, you may want to look for textbooks in digital form. One of the best sources for college level e-textbooks is Vitalsource CourseSmart, which advertises savings of up to 50% or more off print versions.

Another site,, also has an extensive e-textbook section

How Does Depreciation Reduce My Tax Bill


After each tax season, taxpayers will receive their refunds—or end up in dutch to Uncle Sam. And, although Americans can take advantage of numerous tax deductions, the number of options can be hard to parse, or process. Fortunately, property owners can take advantage of a benefit which grants a reduction in taxes they owe. This benefit (called a “depreciation deduction”) is an easy and legal way to minimize tax liability, and property owners should be prepared to take full advantage.
What is the Depreciation Deduction?

Depreciations are income tax deductions that permit property owners to recover the cost of assets over time. The IRS makes an annual allowance for a property’s deterioration, for wear and tear, and for obsolescence—one that applies to tangible property (buildings, machinery, equipment, and vehicles) as well as intangible property (computer software, patents, and copyrights).

As with all tax rules, there are requirements and limitations. The property must be owned by the taxpayer; the deduction can’t be used on a rented or borrowed assets. Properties that have depreciated must be have been used for business purposes, or for income-producing activities. Lastly, the property must have existed for more than

Personal Finance Articles, Not Another One How To Change Your Mind About Your Personal Finance NOW

Many personal finance articles have been written on the issue of money.  Can’t say I have been moved to action by many.  First I’d like to say it is ok that you feel down about the current situation about your personal finances.  I give you permission to feel your feeling for the next 24 hours and then pull yourself by your boot straps and let’s what we can do.

There exist many a definition, I want to share with you  my personal finance definition:

Financial freedom is not an event, it is a skill.

I bet right now with the current economic situation you are saying to yourself, “I just wish I could the lotto!”  Boy don’t we all and yet statistics and personal finance facts show that the majority of people who win the lottery, end up broke and worse off before their winnings! Imagine that.  You among the many seeking wealth, riches, fame few people realize that money isn’t the solution to their problems;  the way you think about money is the problem and the solution.

I can almost see you going oh yeah, give me the money and I’ll show you change in mindset!

My favorite entrepreneur of all times, Henry Ford

Declutter Your Finances Put Your Wisdom to Work for You

You’ve read, I’m sure, that mental quickness declines with age (I live in grumpy denial of that fact, even though I’ve had plenty of proof). But there’s a much happier story to tell. Older people perform as well as or better than younger people on tests of financial decision-making. Our math skills might slip, but our accumulated wisdom triumphs.

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I learned this from recent research, when I was thinking about financial planning as we age. Behavioral economist Elke Weber, of Columbia Business School in New York, identified two kinds of intelligence: “fluid intelligence,” which we use to manipulate information, and “crystallized intelligence,” arising from a lifetime of experience. The fluid kind springs leaks (hmmm, what was the name of the movie I saw yesterday?). But the crystallized kind — what we’ve always called wisdom — continues to deepen right into our 70s. We get better at making judgments, not worse.

Pare down to essentials

To make wisdom work for us, we have to arrange our finances carefully. Older minds

A wake up call in the world of finance

As climate changes become impossible to dismiss, how does the mainstream investor community respond? Are financial decisions taking full account of risks and opportunities related to climate change, or is the topic still virtually ignored in financial decision-making?

The environmental effects of climate change in our modern world are increasingly convincing, and global leaders will gather soon in a major Summit to try to address the problem. As climate changes become impossible to dismiss, how does the mainstream investor community respond? Are financial decisions taking full account of risks and opportunities related to climate change, or is the topic still virtually ignored in financial decision-making? Paula DiPerna sets out new trends and momentum to answer these questions in her article, published in the current issue of Environment: Science and Policy for Sustainable Development, “Wall Street Wakes Up: Sustainable Investment and Finance Going Mainstream.”

The forthcoming Climate Summit in Paris in December comes after many years of global negotiations. During the 1992 United Nations Conference on Environment and Development, Heads of States committed their nations to improving environmental conditions and battling climate change. The result? DiPerna writes, “Some progress has been made, of course, but far too little, considering the

4 Reasons You Shouldn’t Use Your Retirement Savings as a Piggy Bank

Retirement savings are supposed to be for exactly that. Yet far too many people use their nest eggs as a piggy bank. An oft-cited reason is for emergencies, but even that isn’t a good enough excuse. Whether you are thinking of tapping your retirement savings to cover an unexpected event or you want to use these savings for a pricey purchase, going through with it can have long-lasting effects on the type of retirement you end up having.

Take borrowing against a 401(K) for example. Many employees will borrow against their 401(K), intending to pay it back out of their paycheck each month. But, if that employee decides to leave the company for a better opportunity before paying the loan back, he or she will be responsible for it in its entirety. Employees usually have 60 days to come up with the money if they leave the company. (For related reading, see: Retirement Savings: How Much Is Enough?)
Leave the Job and the Loan Comes Due

For 401 (K) borrowers who stay with their employer, borrowing against their retirement savings means there is less money working for them. And while that might not matter today, in 20 or 30 years it will