Claiming Cash That You Are Owed

There are various situations in life where you will find that others owe you money. Now, many people make the mistake of just assuming that this money will make its way back to them eventually.

But generally speaking, people are reluctant to cough up cash unless they are near enough forced to. This is why it’s important that you actively pursue owed cash.

Here are a few areas that you might want to focus on!

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Clients

If you work for yourself, you may find that you are owed money from clients. The best way to get this without damaging professional relations is to send an invoice. If this doesn’t work, you can always follow up with a friendly payment reminder via email.

If time goes on and someone is still avoiding payment, you probably won’t want to work with them again anyway, so could always pursue legal action to receive a payment.

Compensation

There are certain situations in life where someone else will hold authority over your overall health and wellbeing. When you are at work, an employer has responsibility to ensure that you are safe and well while in their commercial property or carrying out tasks for them.

If you are in public spaces, on the roads, or anywhere else, other relevant authorities will have to cater to your safety and wellbeing. If you do experience an incident, you should contact a relevant lawyer like a personal injury lawyer or a car accident lawyer.

They will be able to draw together a case and claim compensation on your behalf.

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Money from Friends and Family

Generally speaking in life, it is best to keep to the policy of “never a borrower nor a lender be”. But every now and then we will lend money to close friends or members of our family.

Now, it can be extremely difficult to claim money back from people who you have a personal relationship with, as you won’t want to jeopardise your relationship for the sake of cash. They will also be able to use excuses with you that simply wouldn’t roll with professional lenders.

They will pull at your heart strings and you will generally let things slide because you have their overall happiness and wellbeing in mind.

However, there are ways to get the money back. Note why you need the money. Tell them how them not paying you back is affecting you.

These are just a few different situations where you may find that people owe you money. Hopefully, the above information will help you to claim back what’s owed to you as quickly as possible!

The Real Reasons You Might Need To Give Up Driving

When you learn how to drive, you probably assume that you will be driving for the rest of your life. It’s such a convenient skill to have, and you will certainly need to rely on it for a long time to come. But being able to drive forever? Unfortunately, few people are able to continue using their car once they hit their later years, and they could be forced to give up their license for a number of reasons. But it’s also important to remember that it’s not just the elderly who sometimes need to give up. It may be rare, but some people need to give up driving prematurely. Here are some reasons why that can be.

#1 Poor Eyesight

If you suffer from poor eyesight, then that is obviously going to be problematic for your driving. After all, if you can’t see the road in front of you, there is no way of knowing where the other cars on the road are! There are some eye conditions that can badly affect your sight and these can hit at any age. Unfortunately, they could signal the end of your driving career.

#2 Certain Health Conditions

It’s not just bad eyesight that could make you give up your car. There are a few health conditions that make it impossible for people to drive safely and, if affected by one, you will need to give up your license. One is epilepsy. If you have ever had an epileptic fit in your life, then you can’t risk getting behind the wheel. If you suffer from an illness that affects your upper-body movement, such as MS or the effects of a stroke, driving could be too difficult to do safely.

#3 Getting Banned

If you are ever banned from driving, then you will be forced to give up. If you are banned for causing an accident, you could hire an accident lawyer today to see if they can help you fight your case. Unfortunately, they can’t always get a ban overturned. Thankfully, not all bans are forever, and most of them will prohibit you from driving from anywhere between six and eighteen months.

#4 Alcohol Abuse

You should already know that drink driving has to be avoided at all times. Unfortunately, though, for those who suffer from an addiction to alcohol, drinking before driving might have become a very normal habit. In this case, the safest thing to do is to stop driving completely while the addiction is being treated.

#5 Prescription Drugs

If you are taking certain prescription drugs to help overcome an illness or injury, you might have to stop driving for a short while. That’s because some drugs cause untoward side effects that can affect driving, such as fatigue and drowsiness. You will only have to stop driving while you are taking the medication just to be on the safe side. Once you stop taking the pills, you will be able to start driving again.

Fingers crossed you never have to give up driving for any of these reasons!

 

5 Essential To Consider Before Buying Your Next Vehicle

Anyone that has ever bought a car knows that there is a lot to consider before you make your financial choice. In fact, it can be highly confusing and even a little frustrating, because just as you think you have considered all the factors, you discover another one to think about. Luckily, you can avoid this if you check out the comprehensive guide below.

#1 Cost

downpayment

For most people, the overall cost of the vehicle is something that cannot be ignored. After all, it does not matter how much you love a particular make or model, if you haven’t got the money, or can’t get the credit to cover it you will have to go with something else.

However, it’s also worth noting that the way in which you purchase your vehicle can affect the cost. This is because you can use credit and end up paying more over the time you are paying it off, yet still be able to meet the monthly payments, and so work it into your budget.

#2 Running cost

Closely linked to the cost is the economy of the vehicle that you wish to buy. This may include the monthly payments, but also the cost of fuel, and how much its uses, as well the other fees such as MOTS, servicing, maintenance, road tax, and insurance.

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Here it’s worth noting that the better fuel economy your vehicle has, the better for you wallet it will be because you will get more miles to the gallon.  

#3 Age

old car

Next, when researching your next vehicle purchase, it’s essential to consider whether to buy new or used car with your hard earned money. There are two extremes here, with some folks only ever going for brand new vehicles that they can drive off of the forecourt, while others will only ever purchase vintage cars.

Although, many people find that the most economical approach is something in between, which usually entails buying a used car that is still in good condition.

#4 Fuel

picture of an oil rig

Closely linked to the model and the economy factors is the fuel type for the car you are going to buy. Traditionally this used to be a choice between petrol and diesel.

However, as all new petrol cars come fitted with a catalytic converter since 1993, the choice has widened. Of course, that doesn’t even account for the additional options of hybrid and fully electric cars that we are now starting to see on the market as well. The latter being something that will have a definite impact on your vehicle choice if you are concerned with the environment and the potential benefits of this sort of vehicle can provide.

#5 Make & model

picture of a mazda cx-f

Lastly, and for some folks most importantly, the make and the model of the car is crucial to their choice. In fact, some people will only invest in Japanese makes like Mazda because they are known for their longevity and reliability. Others prefer cars built in their native country because they feel they are better supporting the home economy.

Then, when it comes to make, the reviews and the status of the latest model all come into play. Something that you can find out more about here and that should help you to make the right decision when buying your next vehicle.

The Perks Of Trading

When we think about making enough money for our family in life and making a good career for ourselves, a lot of the time we try to work every our god gives us to put food in the table and save for things like a good house and a family holiday each year. But did you ever think about all of the other ways you can make money this year and how easy it can be?

Trading is a way of making money which is fine by thousands of people across the world every day and it is a type of money making which can be incredibly useful for anyone in their adult life. Here are some of the reasons why you should consider to trade alongside your career this year.

It’s flexible

Trading is something which can be done on any scale, with any amount of money and any amount of time you happen to have available. It is not like taking a second job and it can be a truly helpful way to make some income for your family during the evenings while you are sitting down and enjoying a good film and a glass of wine. There is no reason why you can’t spend 30 minutes in the day checking up on the market and putting in a trade or two and then going about your daily business once more. There are no time limits so you can fit it around your day.

It’s not that hard

Trading is a subject which a lot of people avoid due to the reputation it has and the idea of the stock market being a little intimidating to some. However trading is actually much easier than you would first think and it can be a great way to earn some cash in your spare time. Just make sure to do a little bit of research before you start and start off with small amounts of money to limit the damage to your bank account.

It covers any industry

Trading isn’t something which is confined to one type of business and it’s not something which only covers big corporations. There are many different things to trade in such as property, oil inventory, farming and tonnes more. You can choose a subject you genuinely are interested in and make this your trading platform and this might make the process more enjoyable.

You can make a good income

money

The main reason why so many people take part in trading on the stock market is the fact that you can make some serious money if you make the right decisions and put enough money into it all. Think about for example if you could spend 10 hours a week on the stock market as opposed to 3 hours; you would have more time to research and plan, more time to put offers on and more time to make some money. People are able to actually live off what they trade and you could even make this your full time job in the future if you learn the system and how to play it!

It can be great for business

If you have a small business which you are trying to get off the ground a good idea would be to start trading in your spare time and this can be used then to put money into your business which you can use for success. Think about for example spending an hour at the end of your working day putting deals through and making some money and this can be used to expand your business and even start to hire staff for the venture.

You can do it anytime, anywhere

The beauty of trading is the fact that it is universal and it is online. This means that no matter what time of day and where you are in the world, you will always be able to make money for yourself and your loved ones. If you have gone on holiday for a while you can check up on your stocks to see how they are going and you can even put new ones on. It is a great way to stay focused on your trading while anywhere in the world.

You’ll enjoy it

If you love challenges then this will be right up your street and it can be truly fun to try your hand at trading in the workplace and at home. You might find it is a new hobby which you genuinely look forward to doing every day!

Creepy Cash: Scary Financial Issues & How To Solve Them

For a lot of people around the world, money is one of the hardest parts of life to handle. Even if you have plenty of it, there can be loads of different things which will impact your life in this area, and most people don’t know what to do when the scary stuff starts to been thrown at them. Thankfully, finance doesn’t have to be this way. If you take the right steps, it should be nice and easy to make some progress in this part of life, and this post is here to help you with it. By exploring some of the worst cases you could find yourself in, it will be showing you exactly how simple it can be to put yourself back on track.

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Poor Credit: Applying for loans, insurance, and even something like a phone contract will always involve some sort of background checks. Because you don’t go through this process very often, though, it can be very surprising when you find yourself being rejected by the services which you’re used to using. There are a lot of things which can impact your credit score, and it doesn’t have to be something which you have done wrong which will do it, but you will still have to be the one to improve it if you want to get back to normal. A credit restoration company can handle most of this work for you. They will give you help and advice, leaving time to take its course once you’ve followed it.

Overdue Bills: Everyone has had the horrible moment of realisation when a letter is popped through the door asking for months of missed payments to be covered all at once. When you’ve been ignoring your bills or have simply made a mistake which stops them from being paid, you will often find yourself in a position with very little time to get the money together to cover the amount which is owed. Some companies make a big deal out of this, while others are much kinder, and it is always worth making sure that you put the right level of effort in to solve an issue like this. By giving the bill holder a call and explaining the situation, you can usually have the money which is due split into much more manageable chunks.

Incorrect Tax: Finally, as possible the most worrying situation on this list, finding out that you’ve not paid enough income tax is never a pleasant experience. The organisations in charge of this in your country are unlikely to be kind when a mistake has been made. To help you out with this, a professional accountant will have the best experience and skills to handle this sort of concern, while also making it impossible to make the same mistake in the future. If you find yourself under investigation, it’s always worth doing some of your own research, ensuring that you take the right steps and don’t allow yourself to get into further trouble.

While money can be a very scary thing, it is also essential to modern life. Without it, you wouldn’t be able to live in a normal society, and this makes it worth taking action rather than shying away from the issues you might face.

6 Ways to Invest Small Amounts of Money (for Big Gains)

Often, people think you need a lot of money bore you can start investing, hence the saying ‘money goes to money’. This does not have to be the case. It is possible to invest smaller amounts and to watch them grow until they become much more sizeable. However, before you start any investing you should clear yourself of debt. The interest rates you are charged on things like credit cards is far higher than you can expect an investment to make for you.

Start With A Savings Account

There are many investments that need $500 to get started. This might not sound a lot, but if you are living on a budget it might seem impossible. Open a savings account with your bank and start to save a small amount on a regular basis. It will soon start to build and although interest rates are currently low, the bank will pay you something.

Betterment

The Betterment investment site does not have any minimum deposit to get you started. You have to answer a few questions so that your risk tolerance can be assessed and then a portfolio is created for you that allocate your investment to different funds. You do not have to concern yourself with the investment allocations as this is done automatically for very low fees. All you need to do is add more dollars as you want to.

Motif

This is an investment with a difference that requires you to start with a minimum of $250. You either build or invest in existing mini-mutual funds all of which are based on certain criteria. Each one is known as a motif, which is where the sites name comes from.

You can learn about each one by studying a Motif Review, and if there are none you like you can start one of your own.

Forex Trading

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Forex trading is one of the investments that most people are familiar with but think it is out of their reach. There is a long list of Forex companies that will let you start investing with amounts starting as low as $100. The brokers generally then take care of your investment, although you can be involved in the choices if you want to be. You need to discuss the matter with which Forex Company you choose to use.

US Treasury Securities

This might not give you the best return on your investment, but they will pay you more than a bank and are probably the safest way of all to boost your finances. You can start will as little as $100 and buy them from the portal at Treasury Direct.  The terms run from 30 days to 30 years, and you need to be careful about the length you choose as you can lose out if you have to sell them early.

Invest in You

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Instead of investing your money elsewhere, you need to ask yourself if it would be better to try and earn new qualifications or a totally new skill. The money spent on training could end up increasing your income dramatically, and that could be the best investment of all.

3 Ways To Get On To The Property Ladder in a Housing Crisis

Saving for you first home can seem like an impossible task with the huge deposits and increasing shortages of homes but there are ways you can get a leg up on the property ladder while saving a bit of cash in the process. Whether you’re looking for houses not far from the capital or somewhere a little further out you can find your dream home without having to worry about the finances.

Shared ownership

This scheme is perfect for anyone looking to ease their way into home ownership and might not have the funds for a 10% deposit. With this programme you can buy up to 75% of your home while renting the rest and avoiding a monumental mortgage. You will only have to pay a deposit on the percentage of the house you wish to buy so for 50% of a £200,000 home the deposit will cost just £10,000 unlike the £20,000 that would come with buying the same house without shared ownership.

The remaining portion of the home that you do not own will be owned by housing associations meaning you will benefit from far cheaper rent than if you rented from a private landlord. With a much more manageable mortgage on your hands you can choose to buy more of the house when you feel ready and eventually own your entire home. This scheme runs in almost all areas of the UK with even shared ownership properties in London if you don’t fancy the commute into the city anymore.

Help to Buy

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This government scheme is another way to get a little help in owning your own home while being kind to your finances. Help to Buy offers a 20% equity loan from the government with no interest for the first five years and just a 5% deposit leaving you with a mortgage of 75% of the value of the home compared to the usual 90%.

All these homes are also new builds meaning you get a high-quality home for an affordable price. With houses for sale in Greenwich to Tenterden there is plenty of choice so you can shop around and find the right house in the right area for you whether your looking for a place to raise the kids or somewhere not far from work. Equity loans are also extended to 40% if you live in London leaving you with just a 55% mortgage making living in the capital far more conceivable.

Homes for Londoners

If you’re looking to live in the city but don’t dare face the huge expenses Homes for Londoners is a new scheme introduced by Sadiq Khan that aims to make housing in London genuinely affordable for those who are from the area and work in the capital.

With programmes such as first dibs, Londoners are given priority above overseas buyers when offers on a home are made. In addition, London Living Rent is another option if you are still saving for your first home and offers far less than rent charged by private landlords. With 90,000 homes in the process of being built and £3 billion set aside to tackle London’s housing crisis, London is set to become increasingly affordable over the next few years.

So no matter what your budget may be or what kind of home you’re looking to buy, there are plenty of ways you can get your hands on your dream home without it feeling like an uphill battle. Everyone deserves to have a place to call their own so take advantage of the options out there and you’ll be on your way to moving into your newly found abode.

Easy Ways to Keep Track of Your Finances

Tracking your finances doesn’t have to be awkward and it doesn’t have to be hard work either. There are so many benefits to staying on top of your finances and when you are able to do it efficiently, you will soon find that it has the ability to completely change your life.

Create a System

The first thing that you need to do is try and create a system. It is so important that you are able to be consistent. It doesn’t matter how you want to log your transactions because you have to be able to refer back to anything that you have spent money on quickly and efficiently. When you do spend money, make sure that you log the amount that you have spent, the category of the expense and even the date as well. You will soon be able to see a clear record of your financial situation and you can also see a general overview of where you are going wrong as well. By having categories, you can easily figure out what you happen to spend the most money on. These categories may include things like housing, utilities and even groceries as well. These categories can vary from person to person but they can be as general or even as specific as you want. The most important thing is to make sure that they align with your own goals.


Get an App

There are so many applications out there that you can use to try and stay on top of your finances. You’d be surprised at how easy they are to use and you would also be surprised at how much they could make a difference to your life. Some of them can even be synced up to your bank card as well so when you do make a payment, you can easily find out where it went to. This is a great method when it comes to staying on top of your finances and the main reason for this is because you don’t have to do a thing. All you have to do is keep checking your app from time to time and this is great if you are finding it hard to really get the time to stay on top of the little things.


Physical Records

Physical records are, in some instances, so much easier for you to stay on top of when compared to digital records. If you find that this is the case for you then you do really need to try and consider looking into this. Try and create pay stubs online free for example when you get paid. When you do this, you will be able to organise them in a folder and you can also keep any receipts that you have as well. This is ideal if you are a fan of traditional accounting and it also gives you the chance to see where your money is going in a physical form rather than just as an online bank statement so do keep that in mind.

Protect Your Financial Future With These Personal Money Hacks

Looking after your financial future involves taking charge of the present and planning the way things will work out. There are so many things that have to happen for you to have a more comfortable financial future, and the more you can do to improve things, the better it will be for you and your family. Think about what you can do to make things better and give yourself a little more breathing space financially.

There are a lot of things to keep in mind when you want to protect your finances, and you have to think hard about how you can improve your spending and saving. A lot of the things you need to be thinking about are things that you can do reasonably easily on a daily or weekly basis. You have to make sure you think about what it takes to become healthier financially in 2018. These are some of the wonderful hacks you can use to take charge of your cash right now.

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#1 Start a Savings Jar

You have to be proactive about saving money, but this can sometimes be the most difficult part of the process. So, you need to look at what can be done to save more and get a more positive outcome for the future. A savings jar is a good place to start because it gets you used to the idea of actually setting money aside and not spending it right away. It also increases willpower and helps you get the hang of making regular savings. Of course, you should make sure you set cash aside in your bank account as well, but this is another great way of doing it.

#2 Make Sure You Have Insurance

Insurance is a massive thing these days, and there are a lot of different types of insurance you can take out these days. You have to think about what you can do to get the right kind of insurance to suit your needs. Something like car insurance is absolutely essential anyway, and you’re going to need to have that. But it is also worth getting something like health insurance in case you get sick. That way you won’t have to worry so much about money while you are off work. Insurance is a good way of protecting your future, and something you need to look at getting right now.

#3 Launch Your Own Business

If you really want to take charge of things it is important to make sure you think about launching your own business. There are definitely things you need to think about when it comes to launching a business, and you will need to factor in costs in the first instance. However, there is a lot to keep in mind when it comes to improving your future prospects, and launching your own business gives you a platform to thrive financially in the future as long as you run it properly. This is one of the things that will help you look after your financial future right now.

accounting and personal finances

 

#4 Educate Yourself About Loans

Before you commit to taking out a loan to help you, it is important to make sure you understand how loans work. There are so many different types of loan you can take out in 2018, and it is important to educate yourself in order to learn about the different types, and their terms. For instance, there are payday loans, guarantor loans, and mortgages, and you need to know about what all these are. If you can understand the way modern loans work you will know whether taking one out is the right choice or not, and this is crucial for protecting your financial future.

#5 Invest

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Make sure you consider the right kinds of investments because these will help to set you up for the right financial future. There are a lot of different investment opportunities these days, and you have to make sure you make the most of them. But, the first thing you need to do is to make sure you understand what the different choices are, and how you can make the right investments. You should also look at investing in yourself these days as well. There are a lot of different benefits to doing this, and it is essential for helping you increase your prospects and advance your abilities.

#6 Sell Your Home if Necessary

dream house

There may well come a time in your life when you decide it is time to sell your home and move. It is essential to think about this as a way of making your financial future more comfortable because it represents an excellent way of improving things financially and making everything a little more comfortable. Downsizing frees up money and gives you a bit extra to save as a financial safety net, and this is important. You might be surprised by how much you can get for your money when you move, and this is something you need to think hard about.

# 7 Clear Your Debts ASAP

Debts can be an albatross around the neck of so many people these days, and the important thing is to make sure you are not one of those affected negatively by debt. It is so easy to get into debt these days, and once you slip into that spiral, it is so difficult to get out of it. Getting out of debt as quickly as you can is one of the most important things you need to keep in mind, and it is important to come up with ideas that are going to help you clear your debts. There are so many factors to keep in mind, but a good place to start would be to ditch the credit cards, and team up with a debt management company.

To Sum It All Up

These are some of the best hacks to keep in mind if you want to work on trying to improve and bolster your financial future. There are a lot of things that can play a part in this, and it is important to make sure you figure out what you can do to keep on top of things. This is something that plays a big part in the process of improving your money management and makes the future more comfortable.

The Insurance Policies that Everyone Should Have

There are some things in life that are really expensive, and a sudden disaster of some sort can cause huge financial stress. You can insure against anything at all, as long as you are prepared to pay the premiums. There are some insurances that everyone should have, and you will be pleased you have them should you need to make a claim.

#1 Car Insurance

cars on a street

In most states, this is a legal requirement. If you have an older car you may feel that the bare minimum is enough, but for cars of a higher value, it could be that the more you have the better. There are several insurances for motor vehicles, the main ones being:

  • Personal Injury Protection, which covers medical expenses for the driver and any passengers in the event of an accident.
  • Liability insurance is not meant to cover the driver or passengers but is for damage you may cause to another vehicle, someone else’s property or the injuries you may cause others if you are to blame for an accident.
  • Collision cover will pay for the damage to your vehicle whether you were at fault or not.
  • Comprehensive insurance will pay compensation if it is due, where the collision insurance will only pay for damage. This could be useful; if your car is destroyed in an accident and this affects your life.
  • Theft is for if your car is stolen.
  • Uninsured or Underinsured Motorist cover will pay out if the other person involved in an accident does not have enough insurance or none at all.

For your own peace of mind, you should never be on the road without adequate car insurance. Yes, you might be a good driver, and you may be able to learn more about personal injury lawyers and compensation should you be injured, but having your own insurance really is important. It could save you lots of money in the long-term.

#2 Health Insurance

health insurance

Health insurance is meant to provide protection against the cost of medical expenses. The cost can vary greatly because of age, existing conditions and the amount of cover you require.

Individual health care policies are purchased directly by about 9% of the population. Some of them will pay a fixed amount, regardless of the total medical costs, and others will pay for everything involved in getting you back to full health.

Some employments provide this type of insurance as a perk of the job, and about 60% of the population are able to take advantage of this benefit. If you are not in this situation you should be looking at taking out the health insurance yourself.

A large portion of the bankruptcies filed in the US were because of medical expenses, but of course, that affects your whole life and it is something you should try to avoid. There are some other options that can help in certain situations.

Medicare is for those over 65 years of age, patients who become permanently disabled, end-stage renal patients and those with ALS. Research has shown that the people who did not previously have health cover but qualify for the Medicare program have improved health because of being able to access better care.

Medicaid is to cover those that do not qualify and the number of physicians who accept it has reduced. for Medicare, but are on very low incomes. It is means tested

#3 Home Insurance

dream house

There are two main types of home insurance in the US. Homeowners insurance is a must for anyone that owns their own home, but you need to make sure it covers everything. Sometimes extra cover is needed for natural disasters such as floods, earthquakes and fires.

Renters insurance is meant to cover against theft or damage to your property when you rent, and it comes at a low cost. It is worth having this cover for peace of mind if you rent your property.

#4 Life Insurance

Life insurance is protection for your family more than for you. It is to cover funeral expenses and mortuary fees and if you are the main breadwinner it can help to offset your lost income.

This takes away the worry of the financial stresses put upon families when someone dies, and everyone should have some basic life cover at least.

#5 Disability Insurance

accident or injury

If you are not able to work for a while you will be glad you took out disability insurance. It will replace your income so that you can still pay all your bills, and makes good financial sense for anyone with responsibilities. Depending on the extent of the cover you opt for, it can insure you for temporary, permanent, partial or total disability.

No one knows what will happen to us. We all think that accidents and illnesses happen to other people, not us. But if ever you are put in this situation you will be glad you have this relatively cheap insurance.

Insurances Not To Bother With

There is nothing you cannot insure but there are some policies that are considered to be a waste of money because they have become outdated. Disease insurance is just one example where you cover yourself against specific conditions. There are so many ways you could become ill that the cost a covering them all would be prohibitive. A good health insurance is a much better deal.

Flight insurance is meant to cover you if you are killed in a plane accident. Flying is one of the safest modes of transport and why pay for this particular policy when life insurance will protect your family in the same situation.

Mortgage Life Insurance used to be very popular but has now become much less so. A good term life policy will do exactly the same job at a lower cost.

Protect Yourself

It is much easier for most people to find a monthly premium than to have to face huge bills if a disaster happens. There will always be those who think it will never happen to them, but it could just as easily as it could happen to you. The types of insurance recommended above can vary greatly in their cost. You need to read the small print to make sure you are getting the cover you think, and take advice from professional insurance brokers who will be able to steer you in the right direction.