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Showing posts from February, 2018

DISCLOSURES - Cookies

I think this site uses cookies to analyze traffic and for ads measurement purposes. I'm not really sure, I don't do techy stuff. I built it on Google's Blogger platform, ask them. I put this here because some IDIOT BONEHEADS thought you needed new laws. Here're some links if you want more information.

DISCLOSURES

Some lawyers stay up at night trying to ruin free society and create new rules. Therefore, here are the disclosures I must have that you probably won't read.

I'm A Beaver

I'm A Beaver

Take the test: Here


Hope you enjoyed the Smalley Personality Quiz! Your score report is presented below.  Your dominant personality is your highest score, but you will also notice how strong you are in the other three types.  Your unique personality style is a combination of each type.

Your Result   Print

The Beaver Strengths: Beavers have a strong need to do things right and “by the book.” In fact, they’re the kind of people who actually read instruction manuals. They’re great at providing quality control in an office and will thrive in any situations that demand accuracy, such as accounting, engineering, etc. Because rules, consistency, and high standards are so important to beavers, they’re often frustrated with a mate who doesn’t share these same characteristics. Despite deep feelings for those they love, beavers must learn to communicate their softness and warmth in a way that’s felt and clearly understood by others. Areas of Growth: Beavers need to accept that it’…

Starting a business

Many folks ask me how to start a business, here are the steps, in general.
1. Choosing a Type/Structure:
The US Small Business Administration (SBA) has a ton of information about starting, structuring, and launching a business. The SBA.Gov website has a special topic on choosing a Business Structure.
Most Common: Business structure Ownership Liability Taxes Business structure: Sole proprietorship (often uses a DBA / ABN) Ownership: One person Liability: Unlimited personal liability Taxes: Personal tax only Business structure: Limited liability company (LLC) Ownership: One or more people Liability: Owners are not personally liable Taxes: Self-employment tax Personal tax or corporate tax Business structure: Corporation - C corp Ownership:

Debt Disputes: What to do with collections, charge-offs, and unknown items on your credit report.

Quite often, over the years, I've worked with people who had old items on their credit reports. Sometimes they don't even know what the items are for. Other times they disagree with the legitimacy of the report, or the reason the company says they still owe money. 
The following is my advice for any such individuals. Take it for what it is. I'm not an "expert" but I've been a loan officer for over 12 years and I've seen quite a bit.  Step One: Debt Validation LetterStep 2.1: Debt Validated/SettleStep 2.2: Debt Not Validated/Still Not Removed.
Step One: Debt Validation Letter See TheBalance.com , I borrowed their letter and made it better. Here's my revised template:

Date

Your Name
Address
City, State Zip

Debt Collector’s Name
Address
City, State Zip

Re: [insert account number]

This letter is sent in response to an item showing on my credit report. I am requesting that you provide validation of this debt. A validation of this debt includes a signed copy of the…

DISCLOSURES

DISCLOSURES

Some lawyers stay up at night trying to ruin free society and create new rules. Therefore, here are the disclosures I must have that you probably won't read.

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Darrell's Reading List


Here are some books I've been reading lately:
  • Hacker: The Outlaw Chronicles (here) by Ted Dekker (Author). The story of a young Hacker girl, who went on a wild adventure into the supernatural realm beyond trying to save her mom, but saved her self too in the process.
  • Saint: A Paradise Novel (here) by Ted Dekker (Author). He's an assassin, or is he? He finds a secret to his past that unlocks supernatural abilities, at a cost.
  • For a full list of all my book suggestions, see my Amazon Store.

Other sites I follow: