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The essence of financial management is planning. Planning itself requires creative thinking, research, personal experience and financial know-how. It has many aspects and considerations, but it is non-negotiable for the running of a successful business. As the adage goes, failing to plan is planning to fail. When managing the finances of your guest house, you need to consider money being spent and made, potential risks, goals and contingencies.

I know, I know. You’re a college student. Money is the last thing on your mind. It shouldn’t be however. If you don’t plan a budget and gain control of your personal financial management, you could end up spending a majority of the semester digging through the couch cushions for loose change.

ASSUMING AND NOT CHECKING Related to falling for hype in lawyer advertising is assuming and not checking. Don’t believe the yellow page ads. All lawyers are not equal. You should investigate any lawyer or law firm before engaging them. Inquire about his/her reputation in the legal community. Check out what clients have to say about the lawyer and the law firm. ASSUMING PRE-PAID LEGAL IS THE WAY TO GO. Don’t assume that pre-paid legal is the way to go. Just because you have pre-paid legal available for use does not mean that you should use them. The best lawyers are seldom members of a pre-paid legal service panel. You certainly should not allow the pre-paid attorney to represent you without first investigating him/her.

If you are hiring a specific Florida criminal lawyer to work on your case, make sure that that specific lawyer and not one of her associates is the lawyer who will actually be working on your case and going to court with you.

Once you find a solicitor you like, protect yourself by asking her or him the right questions. A short conversation can tell you a lot about the lawyer you have chosen. You can ask them about their expertise, strategies, and work hours. After this initial conversation, you can make an educated decision whether or not to hirer them to represent you.

Referral Services. There are a number of referral services in Texas. The State Bar of Texas provides a list of referral services around the state. Referral services require lawyers to register and generally require lawyer members to carry malpractice insurance. In the Austin and central Texas area, contact the Lawyer Referral Service of Central Texas. Referral services often also set a limit on the fee charged for an initial consultation. The Lawyer Referral Service of Central Texas requires its member lawyers to provide a 30 minute consultation for $20.

For the area of expertise, you would want to have a family law expert on your side. If your divorce lawyer is an expert on family law, he / she will be able to defend your case thoroughly. He / she will be able to guide you with regards to child custody, child support, and alimony issues. After you have established your lawyer’s expertise in this area, determine his years of practice in this area. Ask the lawyer to talk about the last divorce case he represented. Years of experience are really very important alongside with the area of expertise. If the lawyer has only practiced family law for a year, you may have doubts just then. You’ll feel safer with a divorce lawyer who’s had years of experience in his belt.

Finally, perhaps the best way to help your Georgia bankruptcy lawyer is to never lie about financial matters. Be completely honest about all property, assets, and money you have, what you owe and to who, and when you answer questions leave nothing back. It’s never wise to hide things from your lawyer; and if it’s found out by the trustee or judge, you can be charged with fraud.