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Handle Your Speeding Ticket Responsibly

Handle Your Speeding Ticket Responsibly

Nobody ever plans to get a speeding ticket. However, there are mechanisms available to defer the cost of getting a speeding ticket (money and points towards your driving record). A speeding ticket can also result in an auto insurance premium increase. It is possible to avoid these costs by taking a defensive driving course online or through a local driving school.

First, to take an online course in Texas in order to have your ticket dismissed requires permission from State authorities. Your court date should be indicated on your ticket. Permission can be requested by simply mailing the following items to court:

• A completed copy of the affidavit with your notarized signature.

• Proof of a non-commercial valid driver’s license.

• A copy of your insurance policy.

• Court administration fees.

After the court grants permission for you to take the course you will have 90 days to mail your certificate of completion to the court. Conveniently, a defensive driving course can be taken online. Within the 90 days, you can go as fast or as slow as you please. Every time that you Log in, you can simply pick up where you left off.

Upon successful completion of your online driver’s course, the driving school will issue you a certificate of completion. It is up to you to present this to the court. It may also be necessary to submit a copy of your driving record depending on the laws that apply in the county where the ticket was issued. The court will give you a deadline to submit your certificate. Make sure to honor this deadline.

Even if you have not received a ticket, you can still take a defensive driving course in order to receive an insurance discount. You can take an online driver’s education course once every 12 months for the purpose of dismissing a ticket. Points that you receive due to a traffic violation remain on your record for a period of 3 years, so taking this course is the smart option.

The only conditions which make you ineligible for taking an online course to dismiss a ticket are if you hold a commercial driver’s license (CDL) or if you were speeding 25mph or more over the speed limit.…

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Get Away With a Warning Instead of a Speeding Ticket

Get Away With a Warning Instead of a Speeding Ticket

Everybody (at some point) in their life will come across a situation where he will have to deal with law enforcement officer for violating the maximum speed limit prescribed for particular location or lane. If you failed to provide satisfactory explanation for your infraction, you will be issued a speeding ticket.

So, if you want to save yourself from worries and expenses of dealing with a speeding ticket, then you must know what to do when stopped by law enforcement officer and what to say that will increase your chances of getting away with just a verbal warning instead of being ticketed.

If you are pulled over by a police patrol car, the first thing you need to do is to safely, cautiously pulled over your car onto the shoulder of the road, turn off the engine, keep your hands in a plain view, and do not make any sudden and suspicious movement. Once you have stopped your car try to remain cool and calm. Be polite and always be co-operative to the officer. Do not talk back or get annoyed. The smoother and easier you make the process the more likely you will be able to get away with just oral warning instead of being charged with expensive ticket.

If you were speeding, remain calm and quiet. Let them tell you that you were speeding. Never admit your guilt on your own. The officer would like you to admit to speeding and if you do you will receive a speeding ticket. A speeding ticket not only costs you $150 but it will also increase your insurance premium.

Once the police officer states that you were speeding, there are several responses you can make. One is to admit honestly that you were speeding the officer might appreciate your truthfulness and allows you to go with just a warning. The negative side of this response is that the officer might go ahead and issue you a speeding ticket since you have admitted your offense.

The second response is to deny that you were speeding. This approach will create a tense atmosphere between you and the police officer and if you failed to provide satisfactory reason for your excess speed the law enforcement officer will give you a speeding ticket. The good side of this response is that if you get a ticket, you will have more of a chance to beat your ticket in front of judge, since you did not admit your guilt.

The third approach is that do not admit you were speeding but neither deny it. This approach of dealing with officer will be the best one. When the officer says that you were pulled over for speeding you can say “Oh I see….” and then you can in venerating tone give a brief explanation for your excessive speed. You may say that you were rushing to the hospital for an emergency and that you were unaware of your speedometer or you may say that due to fog you were unable to see the maximum speed limit sign.

The third non-responsive approach will work best. The police officer will appreciate your truthfulness and honesty. He will understand the problem from your perspective and might let you go with just an oral warning and without giving you a speeding ticket.…

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Resolve Your Tax Needs With a Professional Tax Program

Resolve Your Tax Needs With a Professional Tax Program

The Internet is rich with tools and professional programs that can make things easy for you. Are you having trouble using the right tax schedules? Are you spending too much time on tax filing instead of running your business? Do you want to avoid errors in your tax computations? Are you confused about how to come up with your taxable income? If you encounter these issues when filing your taxes, you need to look for a tax program. They are all you need to respond to your tax needs and concerns.

Tax programs are designed to assist you in your tax preparation and filing. You have a software that can provide an estimate of how much you owe in taxes. There are programs that will help you find out if you can expect a tax refund. They come with instructions for ease of use, especially if you are new to these professional programs. There are also guidelines and tips on how to file your taxes properly. They are integrated into an information bank where you can find answers to your tax inquiries. Clear up any concerns or issues that you have with taxes and tax filing while preparing the tax returns. Look for tax software with features that you need such as individual or business tax filing and complete electronic submission.

It is fairly easy to use these software applications. They contain the forms for both individual and business filing. All you have to do is to enter the values and select the appropriate responses. The correct form is generated and filled out. They come with a built-in tax calculator that performs the computations with accuracy. The application connects to your system so that you can send the document via e-mail or create a printout. These programs offer solutions for your needs, relieving you from the hassle and stress of preparing tax returns.

As your business grows, so does your tax requirements both for your clients and individuals working for the company. Solutions are available with features and functionality designed to make it easy for you to handle taxes. They can save you much time, which you should spend finding ways to ensure a good future for your business. Put your effort into providing the best services to clients and taking care of the employees. Do not let tax preparation and filing get in the way of running your business.…

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Save Your Marriage From Divorce Even When Everything Including Counseling Has Failed!

Save Your Marriage From Divorce Even When Everything Including Counseling Has Failed!

If you are looking for a way to save your marriage from divorce, then you may feel like you are at the end of the line. When everything, including counseling has failed, it can seem as though there isn’t any hope! Having been in a very similar situation myself, I’d like to share with you what I learned and how I ultimately saved my own marriage. You can too!

I’m not a marriage counselor or therapist. I was facing a very troubled marriage a few years ago and both my wife and I were working to make it work. We attended marriage counseling as well as individual counseling. For awhile things would get better, but we always ended up back where we had been before, with no real progress.

The unhappiness grew progressively worse. My wife seemed especially upset with me all the time. I was just hanging in there because I don’t believe in divorce and believed things would get better over time. That’s probably why I was so shocked when she told me one day that the marriage was over!

I tried everything I could think of to get my wife to change her mind and give our marriage one more chance. Unfortunately my best efforts seemed to make things worse. My actions were having the complete opposite effect of what I intended and actually were driving my wife further away! I just didn’t know what to do at this point.

After my marriage nearly ended I made a very important discovery which would save our marriage and change our lives:

1. Change your emotional state (anger, hurt, fear, jealousy, bitterness etc) and replace it with a calmer and more resourceful state. There is a specific way to do this!

2. Avoid the common mistakes that will doom your chances to save your marriage.

3. Stop blaming your spouse or yourself for the situation. It makes no difference at this point who did what to whom and is counter-productive for saving the marriage

4. Commit yourself 100% to saving your marriage, especially if your partner doesn’t seem committed.

5. Be willing to take very specific action NOW, even if it seems like the OPPOSITE of what you should be doing!…

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9 Tips to Avoid Unethical Tax Relief Companies to Settle Your IRS Debt

9 Tips to Avoid Unethical Tax Relief Companies to Settle Your IRS Debt

Because the IRS is increasing enforcement to unprecedented levels, there’s been an increase in the number of unethical tax relief scams preying on people who owe back taxes. This year we’ve already seen rising numbers of consumer complaints about these scams. In tough economic times, it’s especially important to not ignore IRS problems. Taxpayers must realize that they have to be careful when choosing a tax professional to resolve their back taxes and IRS problems.

Here are 9 tips for protecting yourself from tax resolution scams.

Tip #1: Beware of tax firms that overstate their success rate.

Avoid tax relief firms that overstate their success rate. According to Consumer Affairs, it’s not uncommon for firms to misrepresent their ability to provide help. In some instances, companies will misrepresent their staff’s professional skills and experience in addition to failing to provide promised services. Look for a firm that puts potential clients through a rigorous in-depth interview process to find out if they qualify for an IRS tax settlement – and will not allow a client to retain their services unless the taxpayer is a legitimate candidate.

Tip #2: Know what questions to ask before you hire your tax representation.

There are a number of important questions to ask your prospective tax attorney before hiring them on as your IRS battle-mates. In order to ensure that your tax attorney will be working in your best interest instead of simply charging you enormous service fees, you will need to treat your research process as you would a job interview.

Tip #3: Hire a firm that is responsive to your needs.

A tax attorney is responsive and will make sure you don’t pay a penny more than what you owe. They will take over all communication with the IRS and make sure you stop clocking interest and penalties. Unfortunately there are companies out there that won’t take you calls, don’t respond to the IRS and make your back taxes troubles much worse than if you never hired the unethical tax relief professional.

Tip #4: Qualified tax resolution professionals provide immediate relief through Power of Attorney. When you get tax help from a certified tax professional, you get the benefit of them working completely on your behalf and will file a tax Power of Attorney (POA) with the IRS. This will provide you with immediate relief because from this point on the IRS will be required to contact them instead of you. A separate POA may be required for any State problem.

Tip #5: Beware of firms that guarantee results without even seeing your information.

One of the hallmarks of an unethical tax company is someone who promises you a specific outcome without an in depth review of your specific tax matter. Every situation is unique and the IRS agent on the other side of the table is always an unknown factor. There are no guarantees in life. Anyone who gives you a guarantee is unrealistic and unprofessional at best, or a scam at worst. A Certified Tax Resolution Specialist will get to know their client’s specific problem and educate them on options for their specific case so that they have realistic expectations.

Tip #6: Know when to work directly with the IRS to resolve back taxes.

If your back taxes debt is less than $15,000, most tax specialists won’t take you as a client. A Certified Tax Resolution Specialist wants to create a win-win situation, where the taxpayer gets needed tax relief and they earn their fee. If your back taxes debt is relatively small (less than $15,000), most often you can work directly with the IRS to resolve you back taxes.

Tip #7: Understand the costs associated with resolving your specific IRS problem.

Unethical tax companies will often low-ball their representation fees, quoting a seemingly low cost but neglecting to you tell you that the average Offer in Compromise takes 6-10 months. Additionally, because a high percentage of Offers are rejected by the IRS, these cases often have to go to the appellate level – at which point these firms will then turn around and hit the client with additional appellate representation fees. Look for firms that charge a fixed fee for their tax resolution services and can explain exactly what will be involved with achieving a settlement for your specific IRS problem.

Tip #8: Know the truth about Offer in Compromise tax settlements.

A Certified Tax Resolution Specialist has a track record of success with the IRS. You get that success rate by negotiating realistic Offers in Compromise with the IRS. An IRS tax relief scam might give you an impressive number of Offers In Compromise they have filed, but the number of OICs a tax resolution firm files …

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Are You Giving Up on Your Marriage Too Soon?

Are You Giving Up on Your Marriage Too Soon?

Most of us enter into marriage thinking that it is going to be “forever.” For some people this is true. What makes the difference between those who stay together and those who give up?

Is it because those who give up have more serious problems to face in their relationship? Not usually. It is just that those who stay together have usually figured out a way to solve those problems, or work around them in some way. Can you do the same?

Many of the problems that seem insurmountable to young married couples really aren’t that insurmountable at all. What makes them seem that way is that they haven’t developed the knack of standing back and looking at a particular problem from a distance, and like an impartial judge might do. It is difficult to look for solutions when you a re in the midst of a heated argument over something you both have different opinions on.

So, what to do?

1. Give yourselves a “Time-Out” when things reach the boiling point.

No, I don’t mean sit on a chair in the corner, but you’ll have to admit that yelling at each other isn’t going to do anyone any good. You are adults who love each other and you can work this out. Decide to back off from the problem for a day, or two, or even a week. During that time, you can both think about possible solutions and give your emotions which were involved in the argument time to calm down so the problem can be approached more rationally.

2. “Take Turns” when no solution can be reached.

This works well for kids on the playground, and it can work for grown-up disputes, too. If a stalemate has been reached draw straws to see who gets to be first. The winner gets to make the first decision. Make a chart, if necessary, to make sure there is no future argument over whose turn it is, and when the next disagreement pops up, the person who is in line for the next turn makes the decision.

You can vary this by yielding a turn if one of you realizes that the other person is more qualified in a certain area.

3. Recognize problems that need outside help.

Marriage can be difficult. Of course every problem that rises in yours won’t be solved by the two simple solutions offered above, but you might be surprised how often they work.

There are times though when simple solutions are not enough. If this is the case in your marriage, it may be time to look for outside help. It’s true that marriage counseling can be expensive, but so was your wedding to begin with. It should be worth at least that much to see if anything can be done to save it now.

If you do decide to try counseling, check the references of your counselor to make sure he or she has a good track record. Ask questions about what type of approach they will be using before you commit yourself financially.

If you prefer not to discuss your problems with a counselor, at least look for a good book that has lots of testimonials from people who have used the advice in the book. You may be surprised to find that a problem you considered insurmountable and unique to your marriage has also been faced and overcome by hundreds and even thousands of other married people.

Those couples I mentioned earlier, whose marriages really do last have already found the answer. Don’t give up until you find it, too.…

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Can’t Pay Your Back Taxes? Get Tax Help to Make the Irs an Offer They Can’t Refuse

Can’t Pay Your Back Taxes? Get Tax Help to Make the Irs an Offer They Can’t Refuse

The best negotiation advice ever: Every one walks away a little “hurt.” When fighting the IRS over your back taxes, you may feel manacled by the threat of tax liens, wage garnishments and jail time. But don’t worry, a Certified Tax Resolution Specialist knows all sorts of expert strategies to give you the tax help you need to walk away from the IRS with your money and your freedom intact. The trick is partnering with a Certified Tax Resolution Specialist or a tax attorney to increase your chances of qualifying for an IRS payment plan helping you settle your back tax debt for the lowest possible amount, and removing bank levies, tax liens or wage garnishments.

The best tax help a Certified Tax Resolution Specialist or tax attorney can offer is to broker an Offer in Compromise (OIC) settlement. While the IRS web site seems to make it easy to settle your back taxes by simply filling out an Offer in Compromise form, Uncle Sam’s tax help brings serious dangers. Make one mistake and not only will you pay more than you have to, but your very freedom could be at stake. Instead of thinking of it as IRS help, you should look at the Offer In Compromise form as a plea agreement in a criminal trial. You are admitting your full back taxes liability in the hopes of a reduced sentence. Is it smart to try to broker a criminal plea agreement without the tax help of a Certified Tax Resolution Specialist or tax attorney? No way! Unless you’re a Certified Tax Resolution Specialists or a tax attorney, leave tax settlements and Offers in Compromise negotiations to the experts.

New Offer In Compromise changes you need to know: The offer in compromise (OIC) application is a challenging and burdensome process. The privilege of being approved for an OIC closely resembles receiving The $10,000 Formula to Settle your Back Taxes There is a simple guiding tax help formula about back taxes: If you owe less than $10,000, and you haven’t been in trouble before – you can call the IRS and they will hook you up with a payment plan to be paid in 36 monthly Much Does the IRS Think You Are Worth? An offer in compromise is an agreement between a taxpayer and the Internal Revenue Service that resolves the taxpayer’s back tax liability, usually for a fraction of what’s owed. The taxpayer must file and pay his taxes on time for the next five years after of like Tax Probation. The IRS settles for a lesser amount if there is doubt about the collectability of the amount over the remaining Collection Statute of Limitations vs. what they think they can collect now. If the IRS determines that receiving a lump sum now (albeit just a fraction of the amount owed) would be more than it would cost the agency, in overhead costs, over the remaining life of the collection statute, they will accept your minimum offer amount must generally be equal to (or greater than) the taxpayer’s reasonable collection potential (RCP). The RCP is defined as the total of the taxpayer’s realizable value in real and personal assets, plus his/her future income. A Certified Tax Resolution Specialist or tax attorney can find ways to show the IRS that you’re not Daddy Warbucks while providing tax help such as removing wage garnishments and reducing your back tax debt.

To Qualify for an IRS Payment Plan or Tax Settlement Before your tax attorney or Certified Tax Resolution Specialist can make an Offer In Compromise or negotiate a payment plan with the IRS to settle your back taxes, you need to come clean and file all delinquent tax returns with the IRS.

DO NOT SUBMIT AN OIC TO DELAY OR HINDER COLLECTIONS If the IRS believes you are just using the Offer in Compromise to delay paying your debt or thinks you aren’t acting in good faith; they can revoke (return) OIC privileges to settle your back taxes debt. If you get on the wrong side of the IRS, the individual IRS agent has a lot of latitude to decide what they will allow you to do. An experienced Certified Tax Resolution Specialist or tax attorney will have threaded that needle hundreds of times before, giving clients back tax help without angering the IRS.

Why Some Offers in Compromise are More Likely to Get Accepted Than Others Please note that in 2007, nationally, 46,000 Offers were submitted with only 12,000 or about 26% were accepted. The acceptance rate of a good tax attorney or Certified Tax Resolution Specialist, on the other hand, may be as much as five times (approximately 90%) the national …