Sapientia Est Potentia

How to stock your pantry frugally
by Joseph Nicholson

Food is always a considerable piece of any person's or family's budget, so when looking for ways to save money, it's a natural place to start. With minimal time and effort, by following the seven tips below, it's possible to reduce expenditures on food by 10 to 50 percent.


The ABCs of living trusts
by Joseph Nicholson

A trust is a legal arrangement whereby one person or group manages property for another. Real estate, cash or any other asset is entrusted by the grantor, who creates the trust. Most often, but not always, the beneficiary of the trust is a person other than the grantor. A living trust is a way to pass assets along to children or other beneficiaries while avoiding the costs and time necessary to move a Last Will and Testament through probate court.

How to get a felony expunged in California
by Joseph Nicholson

The process of having a felony "expunged" is actually called "dismissal" is the court system. In essence it means that a plea or finding of guilt is retro-actively overlooked and the case is dismissed. It's important to understand that a dismissal only relates to a conviction - the arrest will remain on the criminal record. If there was no conviction, or to remove an arrest from the record, a Petition for Factual Innocence must be filed, which is a separate and much more difficult process from getting a felony expunged. Therefore, before dismissal can occur, an individual should be absolutely certain about what appears on their criminal record.