Loretta Gray

A Guide To Avoiding And Dealing With A DWI

Close to 30 people a day die in crashes involving alcohol. Driving While Impaired (DWI) charges are also a nightmare because it's a stigma that you walk around with, is a costly charge to defend and pay penalties for, and can derail job prospects. No matter how you slice it, drinking and driving is something you should avoid. To learn some tips on how to avoid it and how to deal with the legal blowback that might come about, this article will teach you. Read More 

Won The Lottery? Learn These Four Key Tax Planning Concepts Now

Winning the lottery will change your life, but it also adds a complexity to your finances that few people ever dream of. You can meet the challenge of planning for your future—and your family's future—by learning about these few estate planning tax elements for large winners. Gift Tax. Few ordinary wage earners ever have to deal with the federal gift tax. That's because, while all gifts with a financial value are subject to gift taxes, there is an exemption for the first $15,000. Read More 

Changing Commercial Banking Regulations Can Influence Your Investment

The commercial banking industry can be a profitable one if you know what you are doing and are skilled at investing in it at the same time. However, there are many regulations to track, ones that you and your commercial banking lawyer need to fully understand before you spend any time putting your money in the commercial banking industry. Regulations Can Put Pressure On The Industry If you have investigated the commercial banking industry as a possible investment, you have probably heard of the increased regulations put on it several years ago. Read More 

Are You A Freelance Worker? What To Know About Taxes

Tax season is something that many Americans dread every year. Preparing your tax return can be time consuming and even stressful at times. However, it doesn't have to be. There are plenty of things that you can do to make filing your taxes a little easier. This is true for both freelancers and those who are in permanent positions. Freelancers now make up 34 percent of the US workforce. Whether you are a full time freelancer or part time, you will have to keep a few things in mind when filing your taxes. Read More 

How To Overcome Market Uncertainty With A Retirement Plan

When you are planning for your retirement, you will want to take into consideration worst case scenarios. Market volatility can lead to you not having enough money to cover your basic expenses. To make sure that you do not run out of money and are forced to return to work, move out of the home you love or substantially lower your standard of living, you will need a retirement strategy for an uncertain future. Read More