An auto title is the legal document that is used for proof of ownership. When you sell your car, you have to sign over the title to the new owner. If there are co-buyers instead of just one buyer, each person's name has to go on the title. This means that ownership of the vehicle is shared by each of the co-buyers. Depending on how the names of the co-buyers are listed, you may not be able to sell the car without approval from the other people listed on the title.

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     List the names with the word "or" between each co-buyer's name. This will allow any one of the co-buyers to sell the car without needing the signature of the others.

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A successful medical practice is not just about treating patients. You must also manage your practice's accounting processes if you expect to make a living. One such task that a medical practice must complete is collecting money that is past due. Accounts that are more than 90 days old should be reported to credit bureaus. If your patient sees the account on his credit report, he may be more likely to pay it.

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     Call your patient about his past due account and explain that you plan to report it to the credit bureaus. In some cases, your patient may be able to make a payment.

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     Enlist a credit reporting service to process past due accounts. The service will charge a small fee, but it will format the information correctly and contact patients' credit bureaus. This is a smart choice if you have a small practice and need to report past due accounts only a few times each year.

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Accounting information is often confidential and private. You never know what unauthorized personnel can do while looking at files and data regarding financial information. Unauthorized users can make personal purchases using the firm's data, steal identities from employees and contractors and sell private data to unscrupulous competitors. Data about business loans and other financial information should also be kept secure and information should be released on a need-to-know basis. For instance, if someone from the outside calls in asking about sales numbers or some other private information, don't comply. Be cautious.

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There is a lot more to modern kitchens that simply choosing the right colors or the right materials or the right appliances. Any photographer will tell you that any setting, no matter how beautiful, is only as good as the way it is lit. This is especially true in a kitchen, where not only do you want all those shiny surfaces and clean lines to stand out properly, but you also need enough light to be able to function without getting hurt. Lighting modern kitchens is actually a very simple process, but like anything else, every detail is important if you want to maximize the effect.

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     Maintain simplicity whenever possible. The key precept to designing modern kitchens is simplicity, and that goes for the lighting as much as the decor or appliances. Choose a few basic ideas and stick with them. You will not need a dozen dimming switches to ensure the best modern kitchen lighting. Just choose a few basics and make them really count.

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     Hold your book of matches in your hands.

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     Lift the flap and pull a match from the package.

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     Hold the match between your index finger and thumb.

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     Place the head of the match on the lighting strip of the match book.

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     Rather than just striking away until the match lights, fold the flap of the match book over on top of the match resting on the strip.

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     With the thumb and index finger of your hand not grasping the match, pinch the match between the book flap and the lighting strip.

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     Quickly pull the match out from your squeezed fingers. The match should light first try.

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