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	<title>aicube.com &#124; a collection of thoughts &#187; Legal</title>
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		<title>Instant Tax Solutions Ratings Team &#124; Proposed Legislation Regarding Tax Resolution Agencies</title>
		<link>http://aicube.com/instant-tax-solutions-ratings/</link>
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		<pubDate>Thu, 26 Apr 2012 13:09:14 +0000</pubDate>
		<dc:creator>Instant Tax Solutions Ratings</dc:creator>
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		<description><![CDATA[<em>Recently the Instant Tax Solutions Ratings Team reviewed proposed legislation submitted by the Tax Problem Resolution Services Coalition; ITS says the group seeks to protect consumers.</em>

According to the <a href="http://instanttaxsolutionsratings.com/">Instant Tax Solutions Ratings</a> Team – who handle case file reviews and rate relevant topics for client education purposes – the <em>Tax Problem Resolution Services Coalition </em>has recently proposed legislation that would not only protect consumers but also make the market more difficult for scam artist to infiltrate. The Instant Tax Solutions Ratings Team says that tax law is a series of complex rules and regulations and praises the TPRSC for its efforts.]]></description>
			<content:encoded><![CDATA[<p><em>Recently the Instant Tax Solutions Ratings Team reviewed proposed legislation submitted by the Tax Problem Resolution Services Coalition; ITS says the group seeks to protect consumers.</em></p>
<p>According to the <a href="http://instanttaxsolutionsratings.com/">Instant Tax Solutions Ratings</a> Team – who handle case file reviews and rate relevant topics for client education purposes – the <em>Tax Problem Resolution Services Coalition </em>has recently proposed legislation that would not only protect consumers but also make the market more difficult for scam artist to infiltrate. The Instant Tax Solutions Ratings Team says that tax law is a series of complex rules and regulations and praises the TPRSC for its efforts.</p>
<p>The purpose for the TPRSC’s proposal is to protect taxpayer rights against deceptive practices used by fraudulent service providers, says the Instant Tax Solutions Ratings Team. The group outlines a list of practices they say should be prohibited, according to the Instant Tax Solutions Ratings Team. The Instant Tax Solutions Ratings Team also notes that providers should be barred from offering misleading information or engaging in marketing practices that insinuate a relationship with any government agency.</p>
<p>The Instant Tax Solutions Ratings Team notes that legitimate tax service providers have long followed these “unspoken” rules, which can now be found in Section 17 of the TPRSC’s proposal documents. Section 17 states that service providers shall not use verbiage in their marketing materials that can be misconstrued as indicating they are affiliated with a government program. The Instant Tax Solutions Ratings Team notes that specific phrases that are prohibited include “stimulus” and “bailout.” Additionally, the Instant Tax Solutions Ratings Team says the outline of prohibited practices touches on graphic design, stating that no marketing material shall contain images of any government building or US landmark.</p>
<p>Other items specified in Section 17 include emphatically stating that all service providers use their true and legal name on all marketing materials and correspondence, reports the Instant Tax Solutions Ratings Team. As well, service providers are prohibited from intentionally misrepresenting that their clients’ IRS liabilities can be reduced to a specific monetary sum or monthly installment payment amount, adds the Instant Tax Solutions Ratings Team.</p>
<p>Under the proposed rules, tax service providers may not guarantee any sort of specific qualification in an IRS liability modification program without performing a thorough good-faith analysis of the taxpayer’s financial situation. The Instant Tax Solutions Ratings Team also says that providers would be prohibited from compensating their employees based solely on the number of signed agreements they acquire. The Instant Tax Solutions Ratings Team points out that the TPRSC specifies that service providers may not imply or explicitly state that they hold a beneficial relationship with the IRS or any of its officers.</p>
<p>The <a href="http://instanttaxsolutionsratings.biz/">Instant Tax Solutions Ratings</a> Team, serving the clients of Instant Tax Solutions – one of the nation’s premiere providers of tax resolution services, says that the TPRSC’s mission to protect the American public comes at a time when many taxpayers are facing dire circumstances, and praised the group for their dedication to transparency in the industry.</p>
<p>For more information: Instant Tax Solutions | 888.387.4074 | www.instanttaxsolutions.com</p>
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		<title>Instant Tax Solutions Reviews Team and Founder Byron Pederson Answer Questions about Payroll Tax Exemptions</title>
		<link>http://aicube.com/instant-tax-solutions-reviews/</link>
		<comments>http://aicube.com/instant-tax-solutions-reviews/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 15:52:01 +0000</pubDate>
		<dc:creator>Instant Tax Solutions Reviews</dc:creator>
				<category><![CDATA[Attorney]]></category>
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		<guid isPermaLink="false">http://aicube.com/?p=942</guid>
		<description><![CDATA[<em>Payroll taxes and exemptions are just one topic researched by the <a href="http://instanttaxsolutionsreviews.co/">Instant Tax Solutions Reviews</a> Team, a group of employees of the firm who are passionate about consumer tax education. Recently, the staff at Aicube Blog sat down with Byron Pederson and the Instant Tax Solutions Reviews Teams to talk about this sometimes confusing subject.</em>]]></description>
			<content:encoded><![CDATA[<p><em>Payroll taxes and exemptions are just one topic researched by the <a href="http://instanttaxsolutionsreviews.co/">Instant Tax Solutions Reviews</a> Team, a group of employees of the firm who are passionate about consumer tax education. Recently, the staff at Aicube Blog sat down with Byron Pederson and the Instant Tax Solutions Reviews Teams to talk about this sometimes confusing subject.</em></p>
<p><strong>Aicube Blog:</strong> Good morning and thank you all for speaking with us today.</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> It’s our pleasure, and with tax time just around the corner, consumers can never have too much information!</p>
<p><strong>Aicube Blog:</strong> Our thoughts exactly. To begin, can you explain to us the payroll tax exemption?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> Employers pay 6.2% share of their employees Social Security taxes. This exemption exempts employers from paying that percent for employees.</p>
<p><strong>Aicube Blog:</strong> Which employers actually qualify?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> Both tax exempt and taxable firms qualify for the exemption. Additionally, employers headquartered in US territories such as American Samoa, and the US Virgin Islands may also qualify if they pay the Federal Social Security tax.</p>
<p><strong>Aicube Blog:</strong> Do new businesses qualify?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> Yes, as long as they paid wages to an employee.</p>
<p><strong>Aicube Blog:</strong> What if an employer makes a mistake and claims exemption on a nonexempt employee?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> Since the exemption is only for qualified employees, the employer is responsible for paying the IRS the amount.</p>
<p><strong>Aicube Blog:</strong> We know that not all employees are directly employed in the firms in which they are physically located. Can those businesses still claim the credit?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> The business may only claim credit on employees they pay directly.</p>
<p><strong>Aicube Blog:</strong> So can the temporary agency claim them?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> Yes, the temporary agency can claim employees that are qualified.</p>
<p><strong>Aicube Blog:</strong> What if one specific employee of the temporary agency has worked for more than one business over the year?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> Determination is based on employment with the temporary agency, not the client business.</p>
<p><strong>Aicube Blog:</strong> What about employees that were laid off?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> As long as the employee is rehired, the employer may have been able to claim that payroll tax exemption.</p>
<p><strong>Aicube Blog:</strong> What exactly is a qualified employee?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> Employee qualification is based on employment with a qualified employer that begins after 02/03/2010 and prior to 01/01/2011. Additionally, the employee must have worked less than 40 hours per week in the 60 days prior.</p>
<p><strong>Aicube Blog:</strong> Can a business apply the payroll tax exemption to employee wages if that employee replaced another employee that was terminated?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> Only if the employee was terminated due to cause or voluntarily.</p>
<p><strong>Aicube Blog:</strong> Must an employee work a certain number of hours for an employer to claim an exemption on them specifically?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> There are no restrictions on the number of hours an employee must work.</p>
<p><strong>Aicube Blog:</strong> Are there any payroll cuts that directly affect the employee?</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> As a matter of fact, yes. The Obama administration recently extended a 2% payroll tax cut for American workers.</p>
<p><strong>Aicube Blog:</strong> That’s great news for the economy.</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> It is part of a $145 billion payroll package approved by the Senate on 02/21/2012.</p>
<p><strong>Aicube Blog:</strong> Thank you all for speaking with us today.</p>
<p><strong>Byron Pederson &amp; Instant Tax Solutions Reviews Team:</strong> It was our pleasure.</p>
<p><strong><em> </em></strong></p>
<p><em><a href="http://instanttaxsolutionsreviewsonline.com/">Instant Tax Solutions Reviews</a> IRS policy and procedure for consumer information. This article is not intended to replace the advice of a tax debt specialist. Since the IRS rules and regulations change often, the Instant Tax Solutions Reviews may be updated at any time without notice. </em></p>
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		<title>Gauthier, Houghtaling and Williams Law Successfully Implements Mock Courtroom to Win Cases</title>
		<link>http://aicube.com/gauthier-houghtaling-and-williams-law/</link>
		<comments>http://aicube.com/gauthier-houghtaling-and-williams-law/#comments</comments>
		<pubDate>Sun, 22 May 2011 05:04:24 +0000</pubDate>
		<dc:creator>AdminR</dc:creator>
				<category><![CDATA[Law]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Gauthier Houghtaling and Williams Law]]></category>
		<category><![CDATA[Gauthier Houghtaling and Williams Law Firm]]></category>
		<category><![CDATA[Gauthier Houghtaling Williams Law]]></category>

		<guid isPermaLink="false">http://aicube.com/?p=716</guid>
		<description><![CDATA[The Gauthier law firm, now known as Gauthier, Houghtaling and Williams, was one of the first in the country to use a mock court.  "Right in our offices here at Gauthier, Houghtaling and Williams Law," says managing partner Houghtaling, "we have a replica courtroom where we can try a case before it ever goes to court."  The courtroom at Gauthier, Houghtaling and Williams Law has been an integral part of the firm’s winning a number of important cases.]]></description>
			<content:encoded><![CDATA[<p>The Gauthier law firm, now known as Gauthier, Houghtaling and Williams, was one of the first in the country to use a mock court.  &#8220;Right in our offices here at Gauthier, Houghtaling and Williams Law,&#8221; says managing partner Houghtaling, &#8220;we have a replica courtroom where we can try a case before it ever goes to court.&#8221;  The courtroom at Gauthier, Houghtaling and Williams Law has been an integral part of the firm’s winning a number of important cases.</p>
<p>&#8220;Many times we will take our strongest litigator on the team and place them on the other side, defending the case,&#8221; explains John Houghtaling of the <a href="http://gauthierhoughtalingandwilliamslaw.com">Gauthier, Houghtaling and Williams law</a> firm. Gauthier, Houghtaling and Williams Law often hires actors and actresses to play witnesses for the defense.  &#8220;We hire a retired judge,&#8221; adds Gauthier, Houghtaling and Williams law partner James Williams, &#8220;and pay a mock jury for their time – allowing them to sit, listen and actually believe the case is real.&#8221;  According to the two partners from Gauthier, Houghtaling and Williams Law it is important that the mock jury believe the case is real.  &#8220;It&#8217;s also important,&#8221; says the Gauthier, Houghtaling and Williams managing law partner, &#8220;that the jury be selected from the same area or venue in which the real case will be presented.&#8221;</p>
<p>Gauthier, Houghtaling and Williams Law is not simply &#8220;playing court&#8221; when they piece a mock trial together.  &#8220;The hidden cameras,&#8221; points out Williams, &#8220;allow the attorneys at Gauthier, Houghtaling and Williams Law to evaluate every angle of our case.&#8221;  In addition, hidden cameras allow the Gauthier, Houghtaling and Williams Law attorneys to witness an actual jury deliberation. This allows the law team at Gauthier, Houghtaling and Williams to get a realistic idea of what will appeal to a jury.  Gauthier, Houghtaling and Williams law firm attorneys can then make decisions based upon perceived strengths and weaknesses in the case.  &#8220;We get the chance to try the case, before we try the case – and then adjust our strategy of approach in the real courtroom,&#8221; comments the Gauthier, Houghtaling and Williams Law managing partner.  Gauthier, Houghtaling and Williams Law attorneys spend hours studying the recordings.</p>
<p><a href="http://gauthierhoughtalingandwilliamslaw.net">Gauthier, Houghtaling and Williams Law</a> may also use the recordings of the mock jury deliberation to aid in the settlement process.  Through this process alone the Gauthier, Houghtaling and Williams law firm has recovered nearly $4 billion for their clients.</p>
<p>For more information about the law firm of Gauthier, Houghtaling and Williams, visit them online at http://www.ghwlegal.com.</p>
<p><em><strong>About Gauthier, Houghtaling and Williams Law</strong></p>
<p>The law firm of Gauthier, Houghtaling and Williams has redefined the meaning of excellence in legal representation of clients.  Nationally and internationally respected for many years, the law firm of Gauthier, Houghtaling and Williams is a continuation of the Gauthier firm that gained major prominence with a landmark decision for clients devastated by the 1980 fire at the MGM Grand in Las Vegas.  That wrongful death suit is only one milestone on a list that includes over $85 million in insurance recoveries for victims of Hurricane Katrina, $13 million for the families following a major airline crash, and the landmark $246 billion negotiated deal with tobacco companies concerning their hidden knowledge of the dangerous consequences of tobacco smoke.</p>
<p>On an international level, successful decisions won by the Gauthier, Houghtaling and Williams law firm and its founder, the late nationally respected trial attorney Wendell Gauthier, include a $9.25 million breach of contract settlement in El Salvador and intervention on behalf of victims exposed to poisonous contamination in Bhopal, India.   Since 2003, the law firm of Gauthier, Houghtaling and Williams has collected over $138 million for businesses and individual clients, representing negotiated contracts totaling over one quarter of a billion dollars.</p>
<p>The law firm of Gauthier, Houghtaling and Williams was one of the first in America to establish the use of mock trials.  With a retired judge presiding, a jury of peers selected from the area of trial and set within a simulated courtroom, the Gauthier, Houghtaling and Williams law firm is able to try a case before it ever goes to court.  Using modern day technology, legal experts are able to adjust their strategies depending upon the reaction of the mock jury in deliberation.  As well, the Gauthier, Houghtaling and Williams law firm shares jury deliberation videos with opposing counsel to facilitate settlement.  Over the years, the strategy of mock jury deliberation video sharing has recovered over $4 billion for clients.</p>
<p>The Gauthier, Houghtaling and Williams law firm continues to redefine excellence by boasting some of the top legal talent in the nation.  Wendell Gauthier, law firm founder, was ranked one of the “Nations Top 10 Litigation Lawyers” and named three times to the “100 Most Influential Lawyers in America” by National Law Journal.  His legal acumen and success was featured in two major book publications and was the motivation for the central character in John Grisham’s hit book and movie, “The Runaway Jury.”</p>
<p>In 2005, Managing Partner John Houghtaling was named to the leadership position of the law firm of Gauthier, Houghtaling, and Williams.  Mr. Houghtaling was named to the 2010 edition of Louisiana Super Lawyers, an honor that is achieved by peer recognition and professional achievement in twelve indicating areas.  Only ten years prior, Mr. Houghtaling had embarked on his career with the Gauthier law firm by moving boxes in the file room.  Now, at the age of 39, Mr. Houghtaling has negotiated for his individual clients of Gauthier, Houghtaling and Williams law firm an astonishing $100 million dollars.</p>
<p>The law firm of Gauthier, Houghtaling and Williams has been widely recognized for its legal excellence in the areas of product liability, wrongful death, personal injury, medical malpractice, insurance disputes, class actions and labor and employment disputes. The law firm of Gauthier, Houghtaling and Williams also dominates in the areas of business, civil, commercial, complex, gaming, and hurricane litigation.</p>
<p>Legal representation is not the only area in which the Gauthier, Houghtaling and Williams law firm redefines excellence.  Whether it is participation in the Louis A. Martinet Society promoting social justice for the community and legal profession, the Make-A-Wish Foundation, or charity work following Hurricanes Katrina and Ike, the Gauthier, Houghtaling and Williams law firm believes in serving the community with excellence.  Working in and supporting the New Orleans community is extremely important to John Houghtaling and the law firm of Gauthier, Houghtaling, and Williams.</p>
<p>For more information about the law firm of Gauthier, Houghtaling, and Williams, visit them online at http://www.ghwlegal.com or call (504) 456-8600.</em></p>
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		<title>John W. Houghtaling, former CEO of Ocean Therapy Solutions, Explains Centrifuge Technology</title>
		<link>http://aicube.com/john-w-houghtaling/</link>
		<comments>http://aicube.com/john-w-houghtaling/#comments</comments>
		<pubDate>Fri, 25 Mar 2011 18:53:05 +0000</pubDate>
		<dc:creator>AdminR</dc:creator>
				<category><![CDATA[Law]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Gauthier Houghtaling and Williams]]></category>
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		<description><![CDATA[According to John W. Houghtaling, former CEO of Ocean Therapy Solutions, " centrifuge technology is actually quite simple."  Ocean Therapy Solutions, co-founded by Hollywood actor Kevin Costner, provides oil recovery clean-up solutions.  John W. Houghtaling explains that, "the centrifuge has two separators that spin liquids of different densities."  As the two separators spin, continues John W. Houghtaling, the result is that crude oil is removed from the lighter less dense water.  "The water, being less dense, is forced to the center of the large tube," states John W. Houghtaling.]]></description>
			<content:encoded><![CDATA[<p>According to <a href="http://johnwhoughtalingonline.com">John W. Houghtaling</a>, former CEO of Ocean Therapy Solutions, &#8221; centrifuge technology is actually quite simple.&#8221;  Ocean Therapy Solutions, co-founded by Hollywood actor Kevin Costner, provides oil recovery clean-up solutions.  John W. Houghtaling explains that, &#8220;the centrifuge has two separators that spin liquids of different densities.&#8221;  As the two separators spin, continues John W. Houghtaling, the result is that crude oil is removed from the lighter less dense water.  &#8220;The water, being less dense, is forced to the center of the large tube,&#8221; states John W. Houghtaling.</p>
<p>&#8220;OTS machines can separate the water and oil &#8211; quickly,&#8221; notes John W. Houghtaling.  Able to separate 200 gallons of water per minute, the largest centrifuges were the ones most utilized during the Gulf spill, states John W. Houghtaling.    &#8221;Kevin is an avid fisherman and after the Valdez spill of 1989 he was impacted deeply and he wanted a solution to future potential disasters,&#8221; adds John W. Houghtaling.</p>
<p>During the BP testing phase of these machines, the oil giant pushed the limits of the Ocean Therapy Solutions centrifuges.  &#8220;They wanted to see what the machines could do,&#8221; recalls John W. Houghtaling.  During these tests, water samples were brought to the machines.  Some of the samples included dispersant, often used to emulsify oil that is sitting in water, explains John W. Houghtaling.  John W. Houghtaling also describes, &#8220;The samples of oil and water containing dispersant have a thick consistency.&#8221;  While the machines handled the sample, the centrifuge filter became blocked.  &#8220;So Ocean Therapy Solutions quickly moved to solve that issue,&#8221; says John W. Houghtaling.</p>
<p><a href="http://johnwhoughtalingprofile.com">John W. Houghtaling</a> acknowledges that public word of these tests, &#8220;led some to incorrectly state that there were problems with the technology.&#8221;  John W. Houghtaling adds that since 1993 Kevin Costner spent millions of dollars developing the centrifuge separators.  John W. Houghtaling maintains that the machines have had major success in smaller oil clean-up situations.  &#8220;BP wanted to push all limits, through their testing, of our machines and who can blame them?&#8221; concludes John W. Houghtaling.</p>
<p><strong>About John W. Houghtaling</strong></p>
<p>Loving the drama of the courtroom would lead John W. Houghtaling from modest means and background to managing partner and ownership of the prestigious Gauthier firm in New Orleans, now renamed Gauthier, Houghtaling and Williams.</p>
<p>It was at Emory where John W. Houghtaling had first heard the name Wendell Gauthier.  While at College his mother sent him a newspaper article about pending big tobacco litigation and the famed attorney, John W. Houghtaling would remember the name some time later.  A fellow Loyola law school student was bragging about his work with the nationally known Gauthier firm.  John W. Houghtaling pressed for details only to find that the classmate had done manual labor, not legal work.  Yet the enterprising John W. Houghtaling saw a door of opportunity where most would have not, and took the next step.</p>
<p>Wearing a suit and tie and carrying his laptop, John W. Houghtaling reported to work at the Gauthier firm, moving boxes for $8.00 an hour.  And though he was told he looked &#8220;silly&#8221; and that he should dress more appropriately for the job, John W. Houghtaling dressed for success – every day – to move boxes.  One day, that dress-for-success mentality paid off when the legendary Wendell Gauthier was unsuccessfully looking for a lawyer to write a letter.  John W. Houghtaling stepped up and offered his writing services.  The rest is history.</p>
<p>Starting at 6 AM everyday and ending his day after everyone else had left the office, John W. Houghtaling, in the next step of his life as an attorney for the Gauthier firm, was a tireless worker.  Passionate about his work and able to choose the cases in which he was interested, John W. Houghtaling began showing Wendell Gauthier and the other partners his value and keen legal mind.  Yet something would happen that would devastate both the Gauthier firm – and John.</p>
<p>In 2001, after a brief battle with liver cancer, Wendell Gauthier died at the age of 58.  The loss of his mentor precipitated the unseen next step for John W. Houghtaling.  While the other partners of the Gauthier firm bickered over leadership roles, John W. Houghtaling continued his tireless work.  Bringing in new clients, hiring his own staff from people who had been laid off by the stagnating Gauthier firm and even tapping the partnership of James Williams, John W. Houghtaling saw his next opportunity.  With the blessing of the Gauthier family and enough money, clients and staff, John W. Houghtaling purchased the law firm in which just ten years earlier, he had carried books.</p>
<p>In 2005, at the age of 33, John W. Houghtaling became managing partner of Gauthier, Houghtaling and Williams.</p>
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		<title>Stephanie Izen:  Getting Your FREE Credit Report</title>
		<link>http://aicube.com/stephanie-izen/</link>
		<comments>http://aicube.com/stephanie-izen/#comments</comments>
		<pubDate>Thu, 10 Mar 2011 20:37:02 +0000</pubDate>
		<dc:creator>AdminR</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[Legal]]></category>
		<category><![CDATA[Stephanie Izen]]></category>
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		<description><![CDATA[Stephanie Izen recommends consumers obtain their free credit report through http://www.annualcreditreport.com. According to Stephanie Izen, many individuals do not know that by law, once a year, they are entitled to get a free credit report from each of the “Big 3” credit reporting agencies (i.e. Equifax, Experian and TransUnion). The website http://www.annualcreditreport.com, explains Stephanie Izen, was created because of this legal mandate. Here, an individual can request his or her credit report via email, regular mail, or by phone. Stephanie Izen also notes that a consumer can request all three credit reports at the same time or can spread out the requests over the 12-month period. Stephanie Izen offers these additional tips:]]></description>
			<content:encoded><![CDATA[<p><a title="Stephanie Izen" href="http://stephanieizen.com ">Stephanie Izen</a> recommends that consumers obtain their free credit report through the website http://www.annualcreditreport.com.According to Stephanie Izen, many individuals do not know that by law, once a year, they are entitled to get a free credit report from each of the “Big 3” credit reporting agencies (i.e. Equifax, Experian and TransUnion).  The website http://www.annualcreditreport.com, explains Stephanie Izen, was created because of this legal mandate. Here, an individual can request his or her credit report via email, regular mail, or by phone. Stephanie Izen also notes that a consumer can request all three credit reports at the same time or can spread out the requests over the 12-month period. Stephanie Izen offers these tips:</p>
<p>1.   <em>Access the website by typing the exact name http://www.annualcreditreport.com into the web browser.</em> Stephanie Izen warns consumers to beware of imposter sites with names similar to http://www.annualcreditreport.com. Searching the words “annual” “credit” and “report” will more than likely misdirect the consumer to one of these look-alike sites, says Stephanie Izen. If there are advertisements or promotions for credit checking services that cost money, then it’s not the right site, she cautions.</p>
<p>2.   <em>Do not access the website using a public computer, shared network, or via WiFi.</em> Stephanie Izen explains that in order to get a free credit report, consumers must provide all of their personal information (name, address, birth date, etc.) as well as a social security number. The site has multiple layers of security and encryption, but Stephanie Izen suggests that consumers avoid accessing the website via a public computer, a shared computer, or via WiFi. Stephanie Izen recommends using a personal, secure computer to best safeguard this information.</p>
<p>3.   <em>Remember that a <strong>credit report</strong> and <strong>credit score</strong> are two different things.</em> Stephanie Izen explains that a credit report is merely a record of an individual’s (or company&#8217;s) credit history. A credit history is all of a person&#8217;s past borrowing and repaying track record, including information about late payments and bankruptcy.   However, says Stephanie Izen, because each of the Big 3 have their own way of doing things, a consumer’s credit report will differ from company to company. Monitoring a credit report allows a consumer to see what information is in their file. Also, adds Stephanie Izen, a consumer can see if there is any incorrect information or any fraudulent activity such as attempted or actual identity theft.  If so, notes Stephanie Izen, the report gives the consumer information on how to fix the problem.</p>
<p>A credit score, on the other hand, is a complex mathematical model/formula that evaluates all of the information in a person&#8217;s credit report, explains Stephanie Izen. A credit score is a number that represents a consumer’s “creditworthiness,” according to <a title="Stephanie Izen" href="http://stephanieizen.me ">Stephanie Izen</a>. It weighs the risk a company takes when lending money or providing a service to the consumer against the likelihood that the person will pay back the money, on time. Stephanie Izen says that the higher the score, the less risk the person represents and therefore the more “creditworthy” they are.</p>
<p>More information, and Frequently Asked Questions, can be found at the website http://www.annualcreditreport.com.</p>
<p><strong><em><em><strong>About Stephanie Izen<br />
</strong></em><em><span style="font-weight: normal;">Stephanie Izen is a financial and legal &#8220;hybrid&#8221; – an executive leader who utilizes financial analysis, business acumen, and legal expertise to help businesses thrive. Stephanie Izen may be reached at </span></em><em><a href="mailto:stephanieizen@yahoo.com"><span style="font-weight: normal;">stephanieizen@yahoo.com</span></a></em><em><span style="font-weight: normal;">.</span></em></em></strong></p>
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		<title>Matt Mullhofer &#124; Financial Privacy Steps &#124; Matt Mullhofer</title>
		<link>http://aicube.com/matt-mullhofer-financial-privacy-steps/</link>
		<comments>http://aicube.com/matt-mullhofer-financial-privacy-steps/#comments</comments>
		<pubDate>Fri, 24 Jul 2009 18:53:24 +0000</pubDate>
		<dc:creator>AdminR</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Matt Mullhofer]]></category>
		<category><![CDATA[Matthew C Mullhofer]]></category>
		<category><![CDATA[Matthew Mullhofer]]></category>
		<category><![CDATA[ProtectMyAssets]]></category>
		<category><![CDATA[protectmyassets.com]]></category>

		<guid isPermaLink="false">http://aicube.com/?p=162</guid>
		<description><![CDATA[TWELVE  STEPS TO FINANCIAL PRIVACY &#8211; By Matt Mullhofer Never release your social security number.  Only release your social security number when it is absolutely necessary says Matt Mullhofer. Use a corporation or another entity for major transactions. Avoid writing checks because they leave an extensive paper trail. According to Matt Mullhofer when investing offshore, [...]]]></description>
			<content:encoded><![CDATA[<p><strong>TWELVE  STEPS TO FINANCIAL PRIVACY</strong><em> &#8211; By Matt Mullhofer</em></p>
<ol>
<li>Never release your social security number.  Only release your social security number when it is absolutely necessary says <a title="Matt Mullhofer" href="http://www.naymz.com/search/matthew/mullhofer/2535494">Matt Mullhofer</a>.</li>
<li>Use a corporation or another entity for major transactions.</li>
<li>Avoid writing checks because they leave an extensive paper trail.</li>
<li>According to Matt Mullhofer when investing offshore, ensure that you are in compliance with all laws and reporting requirements.</li>
<li>Only disclose what is necessary to financial institutions.</li>
<li>Maximize the bearer transactions that are not reported under your name.</li>
<li>Use financial professionals that will keep your financial information confidential.  Attorneys are bound to keep all of your information confidential.</li>
<li>Always have your accountant work through your lawyer to insure confidentiality told <a title="Matt Mullhofer" href="http://www.matthewmullhofer.com/">Matt Mullhofer</a>.</li>
<li>Use a post office box or drop box for mail correspondence.</li>
<li>Avoid using safety deposit boxes, use private vaults instead.</li>
<li>Prepare a living trust to bequeath your property.  This will avoid the high cost associated with probate as well as any loss of privacy.</li>
<li>Arrange your investments so that you can provide the least possible amount of financial information.</li>
</ol>
<p><strong>About Matt Mullhofer</strong><br />
<a title="Matt Mullhofer" href="http://bloggervenue.com/matt-mullhofer-financial-privacy-steps/">Matt Mullhofer</a> has been practicing law since 1999, and has owned and operated the Law Office of Matt Mullhofer, PC since 2000. The goal of <a href="http://PresentationSolutions.org/matt-mullhofer-financial-privacy-steps/">Matt Mullhofer</a> is to provide professional legal services to the clients of ProtectMyAssets.</p>
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		<title>Matthew Mullhofer On Estate Planning &#8211; Matthew Mullhofer</title>
		<link>http://aicube.com/a-two-minute-drill-on-estate-planning-by-matthew-c-mullhofer/</link>
		<comments>http://aicube.com/a-two-minute-drill-on-estate-planning-by-matthew-c-mullhofer/#comments</comments>
		<pubDate>Thu, 23 Jul 2009 15:03:32 +0000</pubDate>
		<dc:creator>AdminR</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Matt Mullhofer]]></category>
		<category><![CDATA[Matthew C Mullhofer]]></category>
		<category><![CDATA[Matthew Mullhofer]]></category>

		<guid isPermaLink="false">http://aicube.com/?p=150</guid>
		<description><![CDATA[A two minute drill on estate planning &#8211; By Matthew Mullhofer While volumes can be written about the needs of estate planning, sometimes it is easiest to have a short simple check list. To that end, here is a two minute check list that may help facilitate a more comprehensive discussion. Every estate needs the [...]]]></description>
			<content:encoded><![CDATA[<p><strong>A two minute drill on estate planning</strong> &#8211; <em>By Matthew Mullhofer</em></p>
<p>While volumes can be written about the needs of estate planning, sometimes it is easiest to have a short simple check list. To that end, here is a two minute check list that may help facilitate a more comprehensive discussion. Every estate needs the following:</p>
<p><strong>A Will:</strong></p>
<p>This legal document tells who will manage your estate. A will is a document containing your instructions and wishes as to how your property and assets are to be distributed after your death says <a title="Matthew Mullhofer" href="http://www.matthewmullhofer.com/">Matthew Mullhofer</a>. Any person, of any age, should seriously consider a will at the earliest possible time. It is the expression of your wishes concerning how your property will be distributed. It is a written statement, signed in compliance with you state guidelines. It is a legal document containing the names of the people you want to benefit, as well as details of your possessions at the date of your death. Matthew Mullhofer knows that your property and possessions include everything you own; your home, land, vehicles, bank accounts, benefits of insurance policies, furniture, boat, investments such as shares of stock, personal jewellery, artwork, and so on. A will is the only way you can ensure your assets will be distributed according to your wishes.</p>
<p><strong>A Letter of instruction:</strong></p>
<p>This document addresses financial and personal issues that must be attended to after your death. It is generally less formal then your will and can be much more to the point.  One of the most important features of a letter of instruction reflects Matthew Mullhofer, is it provides specific information regarding personal preferences in medical or funeral care and details concerning dispersion or care of your personal assets that your legal documents may not outline. Letters of instruction can be used for many different things, but one of their main uses is simply to lead the person who must settle your estate through the process step by step in plain language that he or she can easily understand says <a title="Matthew Mullhofer" href="http://presentationsolutions.org/2009/07/23/a-two-minute-drill-on-estate-planning-by-matthew-c-mullhofer/">Matthew Mullhofer</a>.</p>
<p><strong>Advance directive:</strong></p>
<p>While this document may be referred to by different names, its intent is straight forward. These documents refer to health care directives, living wills, health care (medical) powers of attorney, and other personalized directives. It is a legal document that you as the signor defines your desire to be kept alive by extraordinary medical efforts. Matthew Mullhofer has utilized this type of document for many of his clients. This is particularly important if you suffer from a terminal illness or are severely disabled and can no longer make decisions for yourself. This document eliminates the distress that your loved ones might other wise be faced with.</p>
<p><strong>Power Of Attorney:</strong></p>
<p>This is the document that gives another person legal authority to act on your behalf. When you create this document, you are acting as the principal and the person you giving the power to is called your attorney in fact. <a title="Matthew Mullhofer" href="http://www.plaxo.com/directory/profile/176094723218/5299d563/Matthew/Mullhofer">Matthew Mullhofer</a> acts as an attorney in fact for many of his clients. If you create a durable power of attorney, that document will continue in effect even if you become incapacitated. While this document can serve as a directive for many things, it is core needs for every estate. There are many details involved in each one of these documents. As you review your current situation these brief definitions may help. Being prepared for such a discussion is half of the process.</p>
<p><a title="Matthew Mullhofer" href="http://www.naymz.com/search/matthew/mullhofer/2535494">Matthew Mullhofer</a> is a practicing attorney In Orange County, California. Matthew Mullhofer specializes in the protection of client property by providing estate planning; living trust preparation and asset protection. The Matthew Mullhofer firm may be reached at 877-246-2770.8877-246-77.246.2770.</p>
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		<title>Kurt V Beasley &#124; Arbitration Is Viable Option &#124; Kurt V Beasley</title>
		<link>http://aicube.com/kurt-v-beasley-on-arbitration/</link>
		<comments>http://aicube.com/kurt-v-beasley-on-arbitration/#comments</comments>
		<pubDate>Mon, 20 Jul 2009 07:19:43 +0000</pubDate>
		<dc:creator>AdminR</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Kurt Beasley]]></category>
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		<category><![CDATA[Kurt Van Beasley]]></category>

		<guid isPermaLink="false">http://aicube.com/?p=131</guid>
		<description><![CDATA[Kurt V. Beasley on Arbitration: When Speed, Flexibility and Goodwill are Important - By Kurt V Beasley Largely due to all the activity within the current court structure and the high profile lawsuits splashed across the news everyday, a lesser known option is often overlooked. “Arbitration remains a very viable option for most conflicts” says [...]]]></description>
			<content:encoded><![CDATA[<div class="snap_preview">
<p><strong>Kurt V. Beasley on Arbitration: When Speed, Flexibility and Goodwill are Important</strong> -<em> By Kurt V Beasley</em></p>
<p>Largely due to all the activity within the current court structure and the high profile lawsuits splashed across the news everyday, a lesser known option is often overlooked. “Arbitration remains a very viable option for most conflicts” says <a title="Kurt V Beasley" href="http://bloggervenue.com/kurt-v-beasley-on-arbitration/">Kurt V. Beasley</a>, a Brentwood Tennessee attorney. Arbitration is a private, informal process that allows the parties to a contract agree, in writing, to submit their disputes to one or more impartial persons who will adjudicate and resolve the controversy by rendering a final and binding award to the prevailing party. Arbitration has certain advantages over Court proceedings.</p>
<p>In many cases arbitration can be heard without the long delay. For a case to go to court the time period required is usually longer. Arbitration however allows for the possibility of selecting arbitrators that suit the timetable of the parties. The traditional court system can stretch conflict resolution out for months or even years. Kurt V. Beasley would much rather see a conflict more peacefully resolved.</p>
<p>There are other benefits as this option is considered uttered Kurt V Beasley. The adversarial nature of court hearings usually guarantees that parties to a dispute heard in court will never be able to work together again.  Arbitration hearings are usually held in private and in a less adversarial setting where the parties feel that a business disagreement is being sorted out. A more reasoned approach allows both parties to feel as though they are not going to war. Many times arbitrators will try to persuade the parties to utilize an even more peaceable approach which is mediation. Most arbitration systems can assist in facilitating an attempt to expedite settlement without going to arbitration at all. The more business-friendly nature of arbitration is actively practiced by the Waterford Law Group where<a title="Kurt V Beasley" href="http://presentationsolutions.org/2009/07/20/kurt-v-beasley-on-arbitration/"> Kurt V. Beasley</a> is a founding partner. As Mr. Kurt V Beasley explains it, mediation acts as a form of insurance against loss of good will and, if handled by experienced arbitrators and arbitration-counsel, enables parties to continue a business relationship after the proceeding is long over with.</p>
<p>Finally, unlike court rules which are usually set out in formal procedures which are never varied, parties to arbitration are free to customize and refine the basic arbitration procedures to meet their particular needs. If the parties agree on a procedure that conflicts with the rules of the Arbitration body selected, the arbitration body will respect the procedure opted-for by the parties suggested by attorneys like Kurt V. Beasley unless these would, in the experience of the arbitrators, be unworkable.</p>
<p>Arbitration is used for a wide variety of disputes – from commercial disagreements involving intellectual property, major commercial technology, activities, securities transactions, real-estate, construction, insurance claims and employment grievances. Arbitration provides a viable solution for almost all commercial business conflicts. While there are many benefits to arbitration, a common assumption that may be incorrect is that the costs of complicated arbitration may be less than the costs of a full court hearing.  This is an aspect that is best discussed with professionals prior to beginning the process. Once a decision has been made the parties can quickly move into the process of resolution.<br />
<em><br />
<a title="Kurt V Beasley" href="http://www.linkedin.com/in/kurtvbeasley">Kurt V Beasley</a> is the Managing member of Waterford Law Group in Brentwood Tennessee. The firm provides a broad suite of legal and accounting services and prides itself on practicing the art of law.</em></div>
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		<title>Kurt Beasley &#124; Estate Planning 2 Minute Drill &#124; Kurt Beasley</title>
		<link>http://aicube.com/kurt-v-beasley-on-estate-planning-a-two-minute-drill/</link>
		<comments>http://aicube.com/kurt-v-beasley-on-estate-planning-a-two-minute-drill/#comments</comments>
		<pubDate>Sat, 18 Jul 2009 07:29:02 +0000</pubDate>
		<dc:creator>AdminR</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Kurt Beasley]]></category>
		<category><![CDATA[Kurt V Beasley]]></category>
		<category><![CDATA[Kurt Van Beasley]]></category>

		<guid isPermaLink="false">http://aicube.com/?p=134</guid>
		<description><![CDATA[Kurt Beasley on Estate Planning; a two minute drill &#8211; By Kurt Beasley While volumes can be written about the needs of estate planning, sometimes it is easiest to have a short simple check list. To that end, here is a two minute check list that may help facilitate a more comprehensive discussion. Every estate [...]]]></description>
			<content:encoded><![CDATA[<div class="snap_preview">
<p><strong>Kurt  Beasley on Estate Planning; a two minute drill</strong> &#8211; <em>By Kurt Beasley</em></p>
<p>While volumes can be written about the needs of estate planning, sometimes it is easiest to have a short simple check list. To that end, here is a two minute check list that may help facilitate a more comprehensive discussion. Every estate needs the following:</p>
<p><strong>A Will:</strong></p>
<p>This legal document tells who will manage your estate. A will is a document containing your instructions and wishes as to how your property and assets are to be distributed after your death says Kurt Beasley. Any person, of any age, should seriously consider a will at the earliest possible time. It is the expression of your wishes concerning how your property will be distributed. It is a written statement, signed in compliance with you state guidelines. It is a legal document containing the names of the people you want to benefit, as well as details of your possessions at the date of your death. As the Managing Member of Waterford Law Group, <a title="Kurt Beasley" href="http://bloggervenue.com/kurt-v-beasley-on-estate-planning-a-two-minute-drill/">Kurt Beasley</a> knows that your property and possessions include everything you own; your home, land, vehicles, bank accounts, benefits of insurance policies, furniture, boat, investments such as shares of stock, personal jewellery, artwork, and so on. A will is the only way you can ensure your assets will be distributed according to your wishes.</p>
<p><strong>A Letter of instruction:</strong></p>
<p>This document addresses financial and personal issues that must be attended to after your death. It is generally less formal then your will and can be much more to the point.  One of the most important features of a letter of instruction reflects Kurt Beasley, is it provides specific information regarding personal preferences in medical or funeral care and details concerning dispersion or care of your personal assets that your legal documents may not outline. Letters of instruction can be used for many different things, but one of their main uses is simply to lead the person who must settle your estate through the process step by step in plain language that he or she can easily understand said <a title="Kurt V Beasley" href="http://presentationsolutions.org/2009/07/18/kurt-v-beasley-on-estate-planning-a-two-minute-drill/">Kurt Beasley</a>.</p>
<p><strong>Advance directive:</strong></p>
<p>While this document may be referred to by different names, its intent is straight forward. These documents refer to health care directives, living wills, health care (medical) powers of attorney, and other personalized directives. It is a legal document that you as the signor defines your desire to be kept alive by extraordinary medical efforts. Kurt Beasley has utilized this type of document for many of his clients. This is particularly important if you suffer from a terminal illness or are severely disabled and can no longer make decisions for yourself. This document eliminates the distress that your loved ones might other wise be faced with.</p>
<p><strong>Power Of Attorney:</strong></p>
<p>This is the document that gives another person legal authority to act on your behalf. When you create this document, you are acting as the principal and the person you giving the power to is called your attorney in fact. Kurt Beasley acts as an attorney in fact for many of his clients. If you create a <a href="http://www.nolo.com/definition.cfm/term/C922A4EE-0777-43E7-9D021AA7488D46F0">durable power of attorney</a>, that document will continue in effect even if you become <a href="http://www.nolo.com/definition.cfm/term/65021482-5108-4380-B0FEAACB9567BB44">incapacitated</a>. While this document can serve as a directive for many things, it is a core need for every estate.</p>
<p>There are many details involved in each one of these documents. As you review your current situation these brief definitions may help. Being prepared for such a discussion is half of the process.</p>
<p><em><a title="Kurt V Beasley" href="http://econnect.entrepreneur.com/profile_view.aspx?customerid=58ddd63db0674d68a6d4e23c02a4d453">Kurt Beasley</a> is the Managing member of Waterford Law Group in Brentwood Tennessee. The firm provides a broad suite of legal and accounting services and prides itself on practicing </em><em>the art </em><em>of law.</em></div>
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		<title>Matthew C Mullhofer &#8211; On Arbitration</title>
		<link>http://aicube.com/matthew-c-mullhofer-on-arbitration-when-goodwill-flexibility-speed-matter/</link>
		<comments>http://aicube.com/matthew-c-mullhofer-on-arbitration-when-goodwill-flexibility-speed-matter/#comments</comments>
		<pubDate>Sun, 12 Jul 2009 15:08:49 +0000</pubDate>
		<dc:creator>AdminR</dc:creator>
				<category><![CDATA[Legal]]></category>
		<category><![CDATA[Matt Mullhofer]]></category>
		<category><![CDATA[Matthew C Mullhofer]]></category>
		<category><![CDATA[Matthew Mullhofer]]></category>

		<guid isPermaLink="false">http://aicube.com/?p=153</guid>
		<description><![CDATA[Matthew C. Mullhofer on Arbitration:  When goodwill, flexibility and speed matter - By Matthew C  Mullhofer Largely due to all the activity within the current court structure and the high profile lawsuits splashed across the news everyday, a lesser known option is often overlooked. “Arbitration remains a very viable option for most conflicts” says Matthew [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Matthew C. Mullhofer on Arbitration:  When goodwill, flexibility and speed matter</strong> -<em> By Matthew C  Mullhofer</em></p>
<p>Largely due to all the activity within the current court structure and the high profile lawsuits splashed across the news everyday, a lesser known option is often overlooked. “Arbitration remains a very viable option for most conflicts” says <a title="Matthew C Mullhofer" href="http://www.linkedin.com/in/matthewmullhofer">Matthew C. Mullhofer</a>, a southern California attorney. Arbitration is a private, informal process that allows the parties to a contract agree, in writing, to submit their disputes to one or more impartial persons who will adjudicate and resolve the controversy by rendering a final and binding award to the prevailing party. Arbitration has certain advantages over Court proceedings.</p>
<p>In many cases arbitration can be heard without the long delay. For a case to go to court the time period required is usually longer. Arbitration however allows for the possibility of selecting arbitrators that suit the timetable of the parties. The traditional court system can stretch conflict resolution out for months or even years. Matthew C. Mullhofer would much rather see a conflict more peacefully resolved.</p>
<p>According to Matthew C Mullhofer there are many benefits if this option is considered. The adversarial nature of court hearings usually guarantees that parties to a dispute heard in court will never be able to work together again.  Arbitration hearings are usually held in private and in a less adversarial setting where the parties feel that a business disagreement is being sorted out. A more reasoned approach allows both parties to feel as though they are not going to war. Many times arbitrators will try to persuade the parties to utilize an even more peaceable approach which is mediation. Most arbitration systems can assist in facilitating an attempt to expedite settlement without going to arbitration at all. The more business-friendly nature of arbitration is actively practiced by Matthew C. Mullhofer. As Mr. Matthew C Mullhofer explains it, mediation acts as a form of insurance against loss of good will and, if handled by experienced arbitrators and arbitration-counsel, enables parties to continue a business relationship after the proceeding is long over with.</p>
<p>Finally, unlike court rules which are usually set out in formal procedures which are never varied, parties to arbitration are free to customize and refine the basic arbitration procedures to meet their particular needs. If the parties agree on a procedure that conflicts with the rules of the Arbitration body selected, the arbitration body will respect the procedure opted-for by the parties suggested by attorneys like Matthew C. Mullhofer unless these would, in the experience of the arbitrators, be unworkable.</p>
<p>Arbitration is used for a wide variety of disputes &#8211; from commercial disagreements involving intellectual property, major commercial technology, activities, securities transactions, real-estate, construction, insurance claims and employment grievances says Matthew C Mullhofer. Arbitration provides a viable solution for almost all commercial business conflicts. While there are many benefits to arbitration, a common assumption that may be incorrect is that the costs of complicated arbitration may be less than the costs of a full court hearing.  This is an aspect that is best discussed with professionals prior to beginning the process. Once a decision has been made the parties can quickly move into the process of resolution.</p>
<p><a title="Matthew C Mullhofer" href="http://presentationsolutions.org/2009/07/12/matthew-c-mullhofer-on-arbitration-when-goodwill-flexibility-speed-matter/">Matthew C. Mullhofer</a> is a practicing attorney In Orange County, California. Mr. Matthew C Mullhofer specializes in the protection of client property by providing estate planning; living trust preparation and asset protection. The firm may be reached at 877-246-2770.8877-246-77.246.2770.</p>
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