Q: A Limited Liability Company (LLC) is similar to a corporation in that it protects its owners from personal liability for debts or actions incurred by the business. However, they have the tax advantages of a sole proprietorship or partnership. A corporation typically files taxes separately from the shareholders.  Be aware that corporations pay double federal income tax, meaning taxes are assessed when profit is earned, and then again when it is distributed to shareholders. You should seek legal advice to determine the best structure for your business. Choose a name that represents your brand and is unique enough to obtain a website address or URL. When choosing a name, check with the U.S. Patent and Trademark Office to make sure you are not infringing on any trademarks. Also, check with your state to see if the name is already in use by another corporation.  You will have to register with your state as a corporation. The exact registration process varies by state and type of corporation you decide to form. Since your business name is one of your most important assets, protect it by applying for trademark protection with the U.S. Patent and Trademark Office. Financial institutions acquire these from the state in which they operate. Consult with your State Business License Office to identify the specific license and permit you need. Each state has different requirements for licensing financial institutions. You will need to specify exactly what type of financial institution you are opening, such as an investment company or a licensed lender. You will then furnish the requisite documents and pay any fees.  Due to the incredibly complex and constantly-evolving nature of the financial services industry, it is advised that finance companies hire and retain expert legal counsel to guide them through these regulations. The two categories of financial regulations in the United States are safety-and-soundness regulation and compliance. Safety-and-soundness regulations protect creditors from losses arising from the insolvency of financial institutions. Compliance regulations aim to protect individuals from unfair dealings or crime from the financial institutions. Financial regulations are carried out by both federal and state agencies.  Federal financial regulation agencies include the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency, the Office of Thrift Supervision, the National Credit Union Administration and the Securities and Exchange Commission (SEC). State regulatory agencies may have additional requirements that are even more stringent than those set by the SEC.  With the help of your legal counsel, investigate reserve and initial funding requirements for your company. This will determine how much startup money you need. Indemnity insurance protects you and your employees should someone sue you. Financial institutions should purchase a specific kind of indemnity insurance called Errors and Omissions (E&O) insurance. This protects the financial company from claims made by clients for inadequate or negligent work. It is often required by government regulatory bodies. Remember, however, that staying in compliance with all regulatory requirements is still your responsibility.
A: Consider forming a Limited Liability Company. Name and register your business. Obtain the required operational licenses and permits. Learn about regulations. Protect yourself from risk and liabilities with indemnity insurance.

Q: Figuring out what you should do with your life may sometimes require you to get to know yourself better. If you want a career that will really make you happy, you have to have a very good understanding of what you want and what you enjoy. For some people, this means taking some time off to decide what’s important to them. There is nothing wrong with this, so don’t feel bad. It’s more important that you figure your life out as early as possible, rather than getting knee deep in a career which makes you hate your life. Your ability to pursue or change careers may hinge on your financial situation. Some career paths require special schooling and this is sometimes expensive. However, you should not feel that being poor restricts you from getting the education you want. There are lots of government programs to help you pay for schools, as well as scholarships, grants, and apprenticeship programs. It is important to consider what education you already have or will have as you begin pursuing a career. If finances may prevent you from pursuing more schooling, you may need to consider what you already have. It may also be necessary to stick with your existing high school or college degree if there are time limitations or other restrictions. If you find that you are limited to jobs relating to the degree you already have, consult with a career counselor to find out what options are available to you. If restrictions do not bar you from pursuing more schooling, you may want to consider this option. Not everybody excels in school or needs a traditional college education, but most career paths have associated training which you can do and will help you advance more quickly. Technical colleges, for example, may be a good option for those who would prefer not to pursue a traditional education. If you're still confused, consider doing more research on this topic. You can find more helpful information here or consult with your adviser or college of choice.
A: Explore yourself. Consider your financial situation. Think about the education you will have as you enter a career. Determine if you want to go to school. Do more research.

Q: A heavily laden vehicle is unlikely to jackknife. Jackknifing usually occurs with empty trailers or when the weight of the load is badly distributed, providing too little traction where it's needed.  The vehicle and trailer brakes are designed for a full load, and are far too powerful for an underweight trailer.  When strong brakes are applied, the wheels could lock up, and cause skidding. It helps to drive a safe distance behind other vehicles and to try to anticipate what may happen ahead, allowing yourself plenty of time to pull up, especially on slippery roads and when you're going downhill. Apply your brakes while the vehicle is traveling in a straight line as you approach a curve. Slow down a little more than necessary, then release your brakes before you begin the turn. Apply a little power as you turn. This should prevent the drive wheels from losing traction. If you approach slowly enough, you'll find that you'll be able to speed up as you negotiate the curve. Downhill turns are especially prone to jackknifing. If you're going down a steep hill and wish to turn off to the left or right, don't assume that the trailer will follow you. The trailer tries to continue straight on down the hill due to its momentum and gravity. You must slow it right down or even come to a halt before turning. When you're satisfied that you've checked the trailer's momentum, then you can pull it around the corner. Brake first to slow the vehicle down as much as possible, then release the brakes in order to swerve. In this way, you'll remain in control of the vehicle. Once you've swerved, you can re-apply the brakes if necessary. If you ever need to do an emergency stop, for example, if a child runs into the road in front of your truck, don't stamp on the brake pedal. You should press it. Then press the clutch pedal to prevent the truck from traveling further. Hold the steering wheel with your hands in the 10 minutes to 2 position, keeping your thumbs out of the wheel. Press them against the rim, and lock your elbows inward. ) on a slippery surface. This could lock up the drive axle and cause jackknifing. An engine brake or retarder only acts on one axle, whereas the brakes act on all of the wheels. If you need to use the retarder to descend a hill, but the road is slippery, slow the vehicle down by braking gently first, then apply the retarder carefully. The same would apply if you were to engage a low gear. If, however, your vehicle starts to skid, take your foot off the brake immediately and correct the skid as you would with a rigid vehicle How to Control a Skidding Car. If it isn't corrected, it will be aggravated by the trailer pushing from behind and the vehicle will jackknife. Uneven brakes,  worn tires and faulty suspension components increase the risk of losing control. They can sense tire skid and automatically adjust braking force to prevent wheel lockup.
A:
Be wary of light loads. Spread your braking over the longest possible distance, braking progressively and reducing your speed gradually. Avoid having to brake or even decelerate on a curve. If you ever need to take avoiding action, don't brake and swerve at the same time. Be very cautious about using your engine brake or retarder (exhaust brake / Jacobs brake / Telma / Voith etc. Jackknifing starts as a skid, so do your utmost to avoid skidding. Keep both tractor and trailer properly maintained. Modern anti-lock braking systems, first developed for aircraft to stop them skidding on the runway, are now fitted to heavy vehicles.