A prenuptial agreement is a contractual agreement between a couple about to wed that determines how assets will be distributed if a divorce were to take place. Prenuptial agreements are not just for the super wealthy.  You may consider having a prenuptial agreement if you:

• Own a home, stock, or other retirement funds
• Own part or all of a business
• Receive an inheritance or other substantial funds

If you are considering a prenuptial agreement, communication between you and your future spouse is key.   The two of you should sit down and discuss what the agreement would cover. Overall, honesty concerning one another’s assets is vitally important. Also, a prenuptial agreement cannot waive rights to child support.

As difficult as it may be to discuss money prior to marriage, the conversation may save you some headaches and heartache in the long run. While a prenuptial agreement may not be the ideal document for every couple, it is definitely encouraged that couples discuss financial arrangements prior to saying ” I do”.

If you are in need of a prenuptial agreement form for your state, visit MyLegalEdge.com.

There are currently seven states where a series LLC can be formed:

• Delaware
• Iowa
• Illinois
• Nevada
• Oklahoma
• Tennessee
• Utah

In theory, only assets owned by a particular LLC of the series would be subject to the claims against the particular LLC in the series.  A series LLC is definitely a planning tool for future company growth. Complex business arrangements may benefit from the establishment of a series LLC.

If you are in need of a series LLC document preparation service, contact MyLegalEdge.com or call us at 1-888-770-7198.

The means test is used to determine eligibility to file Chapter 7 bankruptcy. If you are in need of a Chapter 7 bankruptcy preparation service, contact MyLegalEdge.com at staff@mylegaledge.com or call 1-888-770-7198.

To apply, the individual must complete Form DS-156, the “Nonimmigrant Visa Application.” The application fee for the visa is $131.00. Also, a visa issuance fee of $131.00 is required as well. You may want to check to see if your country has visa reciprocity with the United States. If so, you will not have to pay the visa issuance fee.

Remember, if you are in need of immigration forms, check out MyLegalEdge.com. Can’t find a form? Give us a call at 1-888-770-7198.

By: Dr. Eddye Bullock, M.D.

Each day it seems that thousands are losing their once “secure” jobs. This may have happened to you or you feel that your job is in jeopardy. For many, a job loss means losing their health insurance as well. Losing a job doesn’t eliminate the need to have medical conditions treated. Lack of health insurance can be an obstacle in getting health care. Yet, it should not prevent you from seeing a health care professional. There are many options available for you and your family and it doesn’t mean you have to get routine care in the ER.

If you know that your insurance will be terminating soon, you should make an appointment with your primary care physician especially if you have not had one in a year. During this visit, you should try to get all preventive exams, i.e. pap test, prostate exam, mammogram, vaccinations, cholesterol screening, etc. If you are on medications, get refills on your prescriptions. This way you will have your medications until you can get insurance or find an alternative. You may want to avoid getting unnecessary testing done in which the results may not be back prior to your insurance ending or the results require additional testing.

Most labs, special tests,  or seeing a specialist can be very cost prohibitive if you have to pay out of pocket. Speak with your primary care provider and see what tests are essential and what can wait. The other potential pitfall of getting tests done prior to your insurance ending is that when you try to get a new insurance policy, you may be dinged for a pre-existing condition.

Another option for obtaining health care is as simple as a conversation away. Most primary care physicians are willing to negotiate with patients the cost of office visits. You may be embarrassed or intimidated to ask your primary care provider to cut you a deal, but it may be well worth it. If you feel you cannot speak with your doctor, ask to speak with the office manager. For the physician’s office, it may be an advantage to take cash and eliminate the headache and overheard in billing the insurance company. Plus, it is easier to retain a patient than go out and find a new patient to take your place. In addition, if you have an outstanding bill with the doctor or hospital, you can try to negotiate that bill also.

The third option is to get coverage through COBRA. COBRA allows an employee to keep his or her insurance for 18 months after termination. The catch is that the employee is responsible for the entire premium. Your employer will no longer be paying part of your health insurance. This can be very expensive especially if you are only getting by on unemployment. The advantage of COBRA is that when you get a different insurance, you are not subject to the pre-existing condition clause. Thus, your medical conditions should be covered completely with your new insurance.

Another option is looking for clinics that are community health centers. Community health centers are located throughout the country and funded by the federal government. The goal is to provide health care to the uninsured. These clinics have sliding fees and costs are based on your income.  Some have dental clinics, pharmacies, and psychiatric care available. You can look in your phone book or go to http://www.findahealthcenter.hrsa.gov. If you live in an urban area, many hospitals have similar set ups. They have clinics where doctors, who are finishing their training, staff the clinics. These are usually less expensive than seeing a doctor in private practice. You may also be able to see specialists in these type of clinics. Call your local hospital and see what is available.

The last option is directed towards getting health care for your children. The government helps fund an insurance program for children (SCHIP). This program is geared toward parents who make too much money for Medicaid, but not enough money to afford personal insurance. In fact, President Obama just signed a bill increasing funding for SCHIP. The program is run by the states. You can contact your state government to get more information about applying.

Losing a job is not easy, but it is becoming an all too common occurrence. There are lots of things you will need to be concerned about, but getting health care for yourseld and your loved ones should not be one of them. Seeking routine care in the ER should not be your first line of defense. Remember, you do have options.

In order to apply for the H1-B visa, the foreign worker must have a higher education degree. This may include such fields as:

• Temporary Faculty Workers
• Business Consultants
• Programmers
• Project Managers in Internet Technology Fields

The current application fee for an H-1B visa is $131.00. The worker must also obtain a border crossing card good for ten years, which also costs $131.00. If an extension is required on the visa, this must be requested by the worker’s employer.

If you are in need of immigration forms, check out MyLegaledge.com. Have questions? E-mail us at staff@mylegaledge.com or call us at 1-888-770-7198.

There are two parties to a mortgage, the lender (bank) and the borrower (homeowner). In a DOT there are three parties:

• The lender
• The borrower
• and the Trustee

In a DOT, the trustee actually holds legal title to the property for the benefit of the lender until the loan is paid in full. So, neither the bank or the homeowner is the legal  owner of the house while the DOT is in operation. The homeowner has what is called “equitable title” in the property and this allows for the benefits of use of the property and quiet enjoyment.

Generally, a DOT will allow for a faster foreclosure than in the judicial foreclosure required when there is a mortgage involved.

If you are in need of real estate forms, contact MyLegalEdge.com. You can reach us by e-mailing us at staff@mylegaledge.com or by calling us at 1-888-770-7198.

As we face tough economic times as individuals and as a nation, we must remember that all is not lost - the endurance of the human spirit and the consciousness of hope must prevail. Learn to see opportunity in adversity and seek the strength and support you may need by reaching out. Let’s encourage others to do the same. Our heritage as Americans dictate that we are intertwined in this moment in history together and we are our brother’s keeper.

While we may be in various geographic locations, hope and encouragement are omnipresent. Practice random acts of kindness, be mindful of those around you - give encouragement and share hope. You never know what life you may save.

Also, if you are in need of state specific bankruptcy forms or bankruptcy form preparation services, contact MyLegalEdge.com at staff@mylegaledge.com or call us at 1-888-770-7198.