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There are many types of businesses out there, and choosing the right business structure can make all the difference in the world. Here are some of the most common types of businesses, and the potential pros and cons they offer: Sole Proprietorship What is this? A sole proprietorship is the most basic type of business. You are the sole owner of the business, and there is no real distinction between the business and you. Pros: It is easy to set up, requiring relatively little i

When you start a business, you need to make sure you start on the right foot, and that means taking a few basic steps to establish a strong foundation to help ensure long-term success.  Here is a checklist of some basic steps you should take when starting up a new business: [ ] Create a business plan  Before you start your business, you should have a business plan. This is essentially a layout of what your business will do, how much it will cost to set up and operate your bus

For most people, buying a home is the biggest financial decision they will make in their lives. Given how important it is, you should make sure you take every necessary step to ensure that the home not only meets your needs, but is one that you can afford, and doesn't come along with any unforeseen headaches that could require repairs, decrease its value, or make it difficult to resell. Follow this checklist to help ensure make the best deal you can, while avoiding potential

Getting ready to sell your home is a big deal, and while it can come with many benefits, it can also potentially come with many downsides if you do not prepare appropriately. Follow this checklist to make sure you have done everything you need to sell your home with minimal financial and legal risk: [ ] Get your home ready for sale Long before you put your home up for sale, you should start doing what you can to make your home presentable for potential buyers. This means clea

Estate planning can seem like a daunting task, but it does not need to be. With the right documents in place, you can ensure that you and your loved ones will be taken care of in the event that the worst happens. Here are some of the most basic things you should include as part of your estate plan: [ ] Life insurance policy It is a good idea to have a life insurance policy in place. This can help cover the costs of a funeral, and any other expenses your family may incur as a

For many people who come to the United States, earning permanent residency status (more commonly referred to as a “green card”) is a major milestone. However, there are many ways to earn a green card, which can vary depending on your legal status and what form of immigrant visa you have. Here are the most common potential pathways to get a green card, and potentially work your way towards being an American citizen: [ ] Family connections One of the most common ways that peopl

In New York State, getting a ticket comes with both the risk of fines, as well as the potential risk of having your license suspended. To make matters worse, there have been recent updates to the law, which make many infractions more punishing than they previously were. Here is a list of some of the most common infractions and penalties you may face if you get a traffic ticket in New York: VIOLATION POINTS FINES DWI/ DWAI / Aggravated DWI / DWAI Drugs 11 $300 - $10,000 Aggrav

People with disabilities that prevent them from working can apply to the Social Security Administration (SSA) to obtain disability benefits. This includes both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Here is what you need to know about qualifying for Social Security disability benefits: Qualifications for Both SSDI and SSI You must have proof of a disability To be able to apply for either SSDI or SSI benefits, you must first have me

If you are a veteran of the United States military and you suffer from a serious medical or psychological problem, you may qualify for disability benefits through the Department of Veterans Affairs (also known as the VA). By following these basic steps, you may be able to obtain the benefits you rightly deserve. Here is what you need to know about obtaining veterans disability benefits: How Can You Qualify To qualify for VA disability benefits, you need to meet certain basic

Millions of Americans have their medical care covered by Medicaid, a government program that helps people pay for healthcare when they cannot afford to pay it themselves. However, not everyone can access Medicaid benefits, and there are some strict requirements to be able to qualify for this program. What Do You Need to Qualify For Medicaid? The specific requirements to qualify for Medicaid are dependent on what state you live in, but there are certain generalities that appl

The New York Department of Motor Vehicles (DMV) recently began implementing changes to the traffic point system in order to more harshly penalize reckless driving. As of February 16, all drivers in New York State  will be subjected to those new standards, potentially putting them at a higher risk of enhanced penalties. This makes it even more important for drivers to have legal representation if they are ticketed for traffic violations. New Traffic Regulations Make Ticket Pen