The question is not if you’ll need a lawyer, but when: according to the American Bar Association (ABA) “Americans have come to view legal assistance as a necessity”. Yet, most Americans have not used a lawyer more than once due to the sky high attorney fees – anywhere from $100 to $1000 per hour – and the trepidation involved in the search for legal services.

Prepaid legal insurance might just be the answer you have been looking for. The concept is simple: for a fixed monthly subscription, you get telephone access to advice from a lawyer. You pay a fixed amount in advance each month to defray the cost of legal services furnished in the future. These services span various areas of the law, anywhere from reviews of simple legal documents and the writing of a simple will to more comprehensive coverage of trials, divorce, bankruptcy and real estate issues.

Pre-paid legal coverage is a very attractive proposition for people who don’t have the resources to retain a lawyer on a regular basis whenever they need assistance. You effectively have a network of attorneys you can use as retainer to seek preliminary advice about what the issues are and how the procedures work whenever legal matters arise. Services not covered by the plan are available to members for a discount on regular hourly rates or flat fees.  

A hard fact, however, is that more than half of new subscribers drop out of a prepaid
plan after their first year.  One reason could be that many members do not require any legal assistance during their first year, so opt out. Another reason is the scope of services offered, which are very basic and limited in nature. Most plans have certain caps or maximums as far as benefits provided are concerned, and purport to offer discount on standard attorney fees instead. However, by virtue of simply calling around by yourself you could probably negotiate a lower rate.Another problem with pre-paid legal plans is the likelihood of getting assigned to a novice attorney. Because of cost considerations, many of the companies behind per-paid services assign trainee or inexperienced  attorneys to handle phone consultation and drafting of simple legal documents. You are also less likely to build rapport and understanding, two of the most important attributes of choosing a good attorney, as over 90% of the work is done over the phone.

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SOURCE: Personal Finance

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The advantage of pre-paid credit cards lies in the fact that they do not have a due date for payment. For those who are in the habit of forgetting the due dates of payment and most of us are, the pre-paid credit cards are indeed a blessing in disguise. So get a pre-paid credit card, and forget about setting reminders on the mobile phone, or putting it down in the things to do, or bribe your child to make you remember the date for payment, or to hang a bait in front of your wife to remind you about the due date, pre-paid credit cards make you self-reliant.

Compared with the normal credit cards, the pre-paid credit cards are in an advantageous position. It lies in the fact that, it does not allow you to go over the board while shopping. It happens indeed most of the times, when you go out for shopping and you are black-mailed into buying things which you may not by otherwise, but pre-paid credit cards indeed come to the rescue in these kind of situations. While spending within the defined limits, pre-paid credit cards do not discriminate as far as earning the reward points on the spending is concerned. You can earn the same reward points, which a normal credit card earns while using the pre-paid credit cards, so it is a better option to go in for pre-paid credit cards, if one is in the habit of being a shopoholic.

In this age where distances are shrinking owing to frequent travel there used to be a perpetual headache of carrying cash in denomination of currencies of the country to which one was traveling. It however is a thing of the past after the advent of the pre-paid credit cards. There is no need to worry now, as now there plenty of pre-paid credit cards available which are designed to ensure that the travel is secure and hassle free. There also is no need to run after the money changers, once you have put the pre-paid credit card’s travel card in your wallet. Once you are having the pre-paid credit card, your shopping also becomes hassle free as there is now no need to pay any transaction charge as well. It takes care of all oscillations that the foreign exchange rate may experience.

First, there is a limit on the scope of the legal services provided. Most of what is provided on an unlimited-basis is phone based: calls to your attorney for advice and consultation on legal matters, or phone calls made on your behalf to third parties.

Other benefits bundled in the plan are limited: regular visits to your attorney’s office is restricted to a dozen or so hours per month, the wills you want drafted or sample contracts
reviewed will be carried out on two or three copies per year. More complexlegal matters involving more time and effort on the part of your attorney are not provided outright. If you need representation in a court for a lawsuit on the recovery of damages, or a complex lease contract reviewed and approved, then you have to pay regular lawyer fees. Some discounts of
up to 25% apply, but  you could get the same discounts if not better by the simple virtue of simple negotiations and clever comparison shopping.

Second is the restriction on your choice of attorney and the quality of legal work provided. Although you are free to choose your own attorney,client-lawyer relationship and the building of rapport are harder to come by in this scheme.

Pre-paid legal plans are fraught with the “rookie” syndrome: the providers usually resort to employing newly-licensed or trainee attorneys in a cost-cutting exercise. Someone who does mostly  wills, trusts and sample contracts is probably not a good fit for a more complex legal issue like the custody of  children. In this day of age of increasing specialisation,it is better to ask someone with specialised knowledge and years of experience then it is to rely on a novice with a limited professional track-record.

If you go down the traditional way, then there is restricted “pool of attorneys” you can choose from. Your research will be easier and a lot more comprehensive. You can set up interviews with lawyers, ask for referrals from friends, previous customers or check your local bar association. You are more likely to get a top-notch lawyer with who to build rapport get competent advice and trust the judgement.

There are a lot of deviant credit cards in the market, and one such card is the Pre-paid credit card. Prepaid credit cards are chosen by those who, for one reason or another, were not granted a traditional mainstream credit card. Unlike standard credit cards, issuers of pre-paid credit cards seldom conduct background credit and / or employer checks and because of this, freelance workers or those who have less than stellar credit ratings due to unpaid bills when they were still in college, now have a chance to own plastic money. Prepaid cards, however, do not have a line of credit. The credit you have on your card will be based on the amount of money you have deposited in your account. This is perfect for those who are living under a tight budget and for those who want to closely monitor their expenses. Also, some prepaid credit cards do not charge you interest when you are unable to settle the amount due in full. These, and the fact that you have to open an account with the card-issuing bank, are the reasons why pre-paid credit cards are different from standard credit cards. When it comes to retail acceptance and usage, you can hardly notice any difference between these two kinds of credit cards.

Several companies offer pre-paid credit cards to consumers and, just like standard credit cards they have special offers and promotions as well. The full details of several pre-paid credit card services, rates, promotions and requirements can be viewed through credit-card-related websites on the internet. These websites list down all the pertinent information regarding the card provider and presents these in a streamlined, no-nonsense format, thus making it easier for people to compare individual credit card services. Application for prepaid credit cards can be done through these websites as well. Once you have selected a prepaid card that suits your lifestyle, simply click on the apply button and you will immediately be transferred to another site where you are to input your basic information. After you’ve submitted the accomplished online form, a representative from the pre-paid card provider will get in touch with you to possibly request for additional data.

So, if you have not been granted a standard credit card yet, go and get a pre-paid one. No one, but you, will know the difference.

Advantages Of Pre-Paid Credit Cards

Pre-paid credit cards are sure guarantee against empty bank accounts and credit-induced poverty. Your pride remains intact as pre-paid credit cards look just like the usual credit cards. No one will know that your spending is restricted. They are boon to shopaholics and impulsive buyers who end up with a mountain of debt before you can say Jack Robinson. They are an excellent buy for parents whose teenagers want to be treated as adults. Teenagers can also independently use their pocket money, summer job earnings and cash gifts to buy one. Some, like the Visa Gift Card, make an ideal birthday or wedding present. After all, buying presents can be nerve-wracking if you do not know what the prospective recipient wants or will appreciate, and sometimes because you do know! Others like Visa’s Travel Money Card are like traveler’s cheques without the attendant’s hassles. Most such cards may also come with benefits like protection from card theft, identity theft or fraudulent purchase.

Some companies find it a good substitute for paychecks. Employees get pre-paid credit cards limited to their salaries and linked to a single bank account of the company. The employee does not need a separate salary account. Additionally, he can step out of the office and into a shop, restaurant or a mall. No frustration of standing in queues to encash that salary check.

Some Problematic Areas

One of the disadvantages of pre-paid credit cards is that they charge a fee. It is also possible that the places where you shop, eat or buy may not accept pre-paid credit cards.

However, overall the benefits outnumber the drawbacks. All those in need of fiscal discipline for themselves should go for pre-paid credit cards.