Tuesday, July 31, 2012

Does anyone know any finance companies in Minnesota who do ...

There used to be a time when it was very difficult and perhaps even impossible to get a personal loan if one had bad credit. Many people think that still holds true today but in today?s information society and culture, bad credit does not need to hold you back from getting a personal loan, you just need to know where to look.

http://worldbestloans.com/personalloans.htm

Most traditional banks and credit unions will still tend to turn up their nose at you if you are requesting a loan from them and they see that you have bad credit But what more and more lenders are starting to realize is that bad credit does not occur for the same reasons across the board.

Source: http://dailynewsdir.com/does-anyone-know-any-finance-companies-in-minnesota-who-do-personal-or-signarure-loans/

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You know who else would have opposed that Israeli policy? (Unqualified Offerings)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, RSS Feeds and Widgets via Feedzilla.

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Daytrading, Stock Trading, Investing and Forex Trading ? Stock ...

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Source: http://skynewslivevideo.jeremypinc.com/660/daytrading-stock-trading-investing-and-forex-trading-stock/

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Loan market veteran Berry launches UK mid-market debt manager

Monday, July 30, 2012

Leveraged loan veteran Michael Berry, most recently head of debt advisory at London-based Oriel Securities, has set up a new firm to raise UK mid-market debt funds, according to various media reports. The new firm, Coveberry Credit Partners, was set up earlier this year, according to the reports.

Berry was global co-head of leveraged finance at Deutsche Bank in London until 2000, when he moved on to head leveraged loans at first WestLB and then Nomura. After leaving Nomura in 2008, he set up his own debt advisory firm, Versatus, which was later acquired by brokerage firm Oriel.


>

Source: http://www.creditflux.com//2012-07-30/Loan-market-veteran-Berry-launches-UK-midmarket-debt-manager/

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Monday, July 30, 2012

Naval exercises a boost for India-Japan ties

NEW DELHI - For two days last month, ships from the Indian and Japanese naval forces held joint military exercises in waters off Tokyo. By military standards, the exercises were small in scale. But they were heavy with symbolism and brought to light another facet of the growing relationship between the two countries - defence.

Their growing collaboration is expected to lead to tighter cooperation in one of the world's most increasingly important regions, the Indian Ocean. And given the shadow cast by the regional giant that separates the countries, it is a relationship that many observers feel is long overdue.

Such joint exercises might be standard practice in international military-to-military exchanges, but with growing regional tensions - like in the South China Sea, located between India and Japan - they take on a more complex meaning.

"If you look at it through a containment of China prism, it makes sense. Everybody is very worried about China," said Mr Rahul Bedi, a regional defence expert.

The exercises could be taken as part of efforts to boost India's naval power and project its influence beyond the Indian Ocean. THE NEW YORK TIMES

Source: http://www.todayonline.com/World/India/EDC120730-0000019/Naval-exercises-a-boost-for-India-Japan-ties

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JumpSport Fitness Trampoline Exercises ? Front to Backs | Detox ...

JumpSport teaches you how to work out! The benefits of this simple front to back training are remarkable. Make sure you don?t just bounce but that you push down on the mat to get the most out of this exercise. The Fitness Trampoline?s unique design makes it possible to work out your legs without any impact to your knees and joints. Happy bouncing! For more information visit: www.fitnesstrampoline.com Friend us on Facebook: www.facebook.com Follow us on Twitter: twitter.com

One more day to go! Tune in for the last few videos in my Ultimate REST blog. I?m reviewing the RESET as I go along, how I feel each day, my meals, and any other thoughts that occur to me as I go along. Stay tuned for one more day, and my final results blog on Friday, you don?t want to miss it! And don?t forget to get in on my facebook support group if you are thinking about hitting your RESET button and giving your body the chance to reboot for once! Get ready for some big things to happen, because this program will help jump start your fitness and nutrition routine no matter what hurdles you think you may need to overcome! This is my first video blog, and as such it has slowly improved over time. There are still some bugs, and it?s no where near perfect; however, this is meant to support others in their health, fitness, and wellness journies. As such, rude, immature, negative, and otherwise inappropriate comments will be deleted. I thank you in advance for supporting others and their health!

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Source: http://www.detoxandcleansing.com/jumpsport-fitness-trampoline-exercises-front-to-backs/

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Sunday, July 29, 2012

Truth Test: Details matter when citing child-rearing studies - Dating ...

8:51 PM

By Michael Shepherd mshepherd@mainetoday.com
Staff Writer

?The social science evidence is overwhelming that children do best on virtually every measurement of health, happiness and attainment when they are raised in an intact family with a mother and a father.?

ABOUT TRUTH TEST

TRUTH TEST is a regular feature of MaineToday Media?s campaign coverage in which we cast a critical eye on the truthfulness of advertising and public comments by political candidates.

FOR MORE Truth Tests, go to www.pressherald.com/special/truthtest2012.html

? Protect Marriage Maine?s website

The overwhelming message from studies of families is that children do best when raised by two committed parents who are devoted to each other.

Notice how that isn?t qualified by saying ?heterosexual.? That?s where this statement goes wrong.

On another part of its website, Protect Marriage Maine makes a common mistake in anti-gay-marriage circles: conflating studies comparing two-parent families to single-parent families. Many of these studies don?t look at same-sex parents, making the comparison useless.

The group says a 2002 report by Child Trends, a nonpartisan national group focused on improving children?s lives, is a ?recent report? that ?clearly demonstrates the family structure that helps children the most is a family with two biological parents in a low conflict marriage.?

Don?t tell Child Trends that.

?The 2002 report by Child Trends did not examine families headed by same-sex parents. It focused on children being raised in families headed by single-parents, step-parents, and married biological parents,? said Marci McCoy-Roth, a Child Trends spokeswoman, in a statement. ?Therefore, conclusions cannot be drawn from that report about children raised by same-sex parents.?

One study, to be published in November in Social Science Research by University of Texas at Austin sociology professor Mark Regnerus, purports to show issues surrounding gay couples? parenting abilities.

While it?s been hailed by gay-marriage opponents as scientific proof of their cause, the methodology has been attacked by many as flawed. An auditor the journal assigned to review the study called it ?bull?? in an article published Thursday by the Chronicle of Higher Education.

In a scathing audit provided to the newspaper, Darren Sherkat, a sociology professor at Southern Illinois University at Carbondale, said the study used inadequate definitions of gay and lesbian parents, saying almost all of those who were studied didn?t raise children with a same-sex partner. Sherkat also found cause for concern that there were biased peer reviewers and that the study was funded by conservative groups.

Even if you believe the Regnerus study, it does not a standard make.

In June, after the Regnerus study came out, the American Psychological Association released a statement reaffirming its stance that ?there is no scientific evidence that parenting effectiveness is related to parental sexual orientation,? citing ?a remarkably consistent body of research.?

A 2010 article in the Journal of Marriage and Family, summarizing 81 studies on single, same-sex and opposite-sex parents, found little evidence that parents? gender made a difference on kids.

It said different kinds of parents typically have different strengths and weaknesses, saying ?single-sex parenting seems to foster more androgynous parenting practices in women and men alike.?

The study said two-person heterosexual parents often ?confer social legitimacy? but with less involvement in parenting from the father. It said lesbian parents ?typically bestow a double dose of caretaking, communication and intimacy? but are more likely to split up due to ?asymmetrical biological and legal statuses and their high standards of equality.? Gay male parents are under-researched, it said, but their parenting styles are usually more like mothers than heterosexual fathers.

?Compared to all other family forms, families headed by (at least) two committed, compatible parents are generally best for children,? the study said.

Verdict: You have to seek out claims that fit your viewpoint if you think same-sex parents harm children. We?ll trust academic studies. There?s no body of reputable evidence that two straight parents are better for kids than two gay parents.

We rate this statement false.

Michael Shepherd can be contacted at 621-5632 or at:

mshepherd@mainetoday.com

?

Were you interviewed for this story? If so, please fill out our accuracy form

Send Question/Comment to the Publisher

Article source: http://www.pressherald.com/news/details-matter-when-citing-child-rearing-studies_2012-07-29.html

Source: http://www.parentsdatingparents.com/truth-test-details-matter-when-citing-child-rearing-studies/

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WhiteRiverStPrk: No conflict of interest, right? State Park Tweep AND Frankfort Hotdog Festival Mayor! RT @jendcox: @WhiteRiverStPrk Believe in your dreams.

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Source: http://twitter.com/WhiteRiverStPrk/statuses/229581128888090624

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Jesuitas AJAN luchan contra el ?SIDA? en Africa

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Source: http://controldeloscielos.com/?p=7456

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Saturday, July 28, 2012

Treasure Coast Real Estate | LAURELS Homes For Sale July, 2012 ...

by starfish on July 28, 2012

Find LAURELS Homes For Sale and LAURELS Home Values. We also have information on mortgages, insurance, movers and other Treasure Coast Real Estate Services for anyone looking to sell or buy a home in beautiful Indian River COUNTY Florida.

Paul Kitchen and Starfish Team provide clients, family and close friends with professional, honest and dependable service. A resident of Treasure Coast, Paul is extremely familiar with the local neighborhoods including LAURELS, school districts and the Treasure Coast Real Estate market in this beautiful Florida town.

Paul Kitchen
Broker-Owner
Starfish Real Estate
3221 Ocean Drive Vero Beach, FL 32963
(772) 539-8420
(800) 793-7304 toll free
Treasure Coast Real Estate
Treasure Coast Real Estate Blog

Starfish Real Estate

Source: http://www.treasure-coast-living.com/2012/07/28/treasure-coast-real-estate-laurels-homes-for-sale-july-2012/

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Smashbox Digital Teams Up With Red Digital Cinema And Fashion ...

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Publicity Release Posted: July 27, 2012 10:20:04 EST

Showcases Red Epic Camera At La Jolla Fashion Film Festival

LOS ANGELES, July 27, 2012 | SHOOT Publicity Wire | --- RED Digital Cinema is teaming up with Smashbox Digital, LA's premier photography equipment and services provider, to showcase the RED EPIC camera at the La Jolla Fashion Film Festival on July 27th & 28th. Acclaimed fashion film director Marcus K. Jones has been brought on to lead a seminar covering his work process with the EPIC, and Smashbox Digital will provide the set, lighting and support services. Following the seminar, Smashbox Digital's Carlo Chiesa will demonstrate the camera's capabilities in an interactive photoshoot with festival attendees.

The RED EPIC, available for rental on a per-day basis from Smashbox Digital, has taken the film and photography industries by storm. It's been used in the last few months to shoot music videos for Jay-Z and Kanye West, covers for magazines including Esquire, Vogue, and GQ, and movies such as Prometheus and Peter Jackson's The Hobbit, among many others.

RED Digital Cinema is a major sponsor of the La Jolla Fashion Film Festival, a three-day celebration of the year's best fashion films from top artists and brands in the industry. "RED makes the only true 'DSMC' Digital Stills and Motion Cameras, which allows the photographer to simply extract the perfect still from the motion footage," explains RED Digital Cinema president Jarred Land, "With some of the top fashion photographers in the world shooting on RED for both their still and motion projects, an association with the La Jolla Fashion Film Festival was a no brainer."

RED Digital Cinema is collaborating at the event with Smashbox Digital, the equipment and studio services division of Smashbox Studios. Having offered and worked with the EPIC on a daily basis since its introduction last year, Smashbox Digital has quickly become the go-to authority for tapping into all of its remarkable capabilities.

The La Jolla Film Festival will be held at the Museum of Contemporary Art in La Jolla, California on July 26, 27 & 28th and the seminar with Marcus K Jones will take place twice, from 11:00 - 1:00 on both the 27th & 28th.

ABOUT Smashbox Digital
Founded in 1997, Smashbox Digital is a leading Los Angeles camera and video equipment rental house that also provides digital capture and retouching services. With digital ready studio and location environments and a team of experienced digital technicians, Smashbox Digital affords unparalleled flexibility to tailor production needs to the client's budget and technological requirements. For more information go to www.smashboxdigital.com.

About Smashbox Studios
Smashbox Studios -- Los Angeles' leading photo studio brand -- regularly hosts photo and film shoots, as well as events for photographers, producers and celebrities. Smashbox also offers equipment rentals, and digital capture and editing services. Quixote Studios -- the managing partner of Smashbox Studios - was founded in 1995. Quixote is Hollywood's premier provider of boutique film studios, production-related vehicles, grip and lighting equipment, expendables and production supplies. Quixote has added to its array of services with expanded offerings in New York, Boston and New Orleans.

Contact Info
Benjamin Loomis
double E communications
Contact Benjamin via email

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Source: http://www.shootonline.com/go/index.php?name=Release&op=view&id=rs-web4-530664-1343340800-2

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Steps to Take When You are in an Accident - Auto Insurance ...

Steps to Take When You are in an Accident

The thought of getting into an automobile accident isn?t something you want to think about, but is something you should definitely be prepared for. While an accident isn?t ever a good thing, it is less stressful to deal with if you know how to handle the situation. Follow these steps if you ever get involved in a minor or major car accident.

  1. Check to see that everyone in all vehicles is OK. If there are any injuries call 911 to get an ambulance to the scene so the injured parties can receive proper medical treatment.
  2. Turn on your hazard lights to alert other drivers to your presence but don?t move the vehicles since there may be mechanical problems you cannot see. Call the police to inform them that an accident has occurred and request to have an officer come to the scene to file an official police report. There is no way to determine exactly how the other party will report the scene or to determine who is at fault. A police report goes to both insurance companies and can help establish liability.
  3. Exchange insurance information with the other party. You should both receive copies of the police or incident report, which should give details about the incident and personal information for all parties involved, but if you decide not to call the police you?ll need to have some basic information on hand when filing your claim.
  4. Write down details about the accident that may be relevant when you file the claim such as the direction each vehicle was traveling and approximate speed you were going when it occurred. The more information you have the better. If you have a camera or even a camera phone you can also take pictures of the damages done to each vehicle for documentation purposes. You may also want to get the contact information for any witnesses that can verify your information to the insurance companies.
  5. Contact your insurance company to file the claim about the accident as soon as you get home to get an agent assigned to the case. You will be able to get liability established faster and get the ball rolling on any forms or information you need to provide. It looks better to your insurance company if they hear about the incident from you instead of receiving the report from the other party?s insurance company.
  6. Don?t admit fault or guilt when talking to the police or the other party. You can show concern and compassion, but admitting guilt places the liability on you and requires your insurance company to pay for the repairs and injuries to the other party. You?ll also likely face an increase in your insurance rate as a result.
  7. Keep a record of any repairs you have done as a result of the accident and ensure that the right parts for your vehicle are installed. The insurance company may place limits on where you can take your vehicle, but everything should be done correctly and according to the manufacturer?s specifications regardless of where the work is done.

The best protection when dealing with an automobile accident is being prepared ahead of time. If you know what to expect in the process of filing a claim it will be a less stressful situation for everyone involved and less time consuming as well.

?

Accidents can and probably will effect your driving record and insurance payments. Like driving records you should stay up to date on your credit report. Read more information about credit through this link.

Although we do our best to offer you accurate and current auto insurance advice, we are not responsible for any negative consequences you may encounter after reading this advice. Insurance problems are often complex and can hinge on facts not provided in your submitted question. For this reason, you should not use this advice as a basis for any decision. We provide these answers for information purposes only, with the intention of steering you towards making your own conclusions about how to act or refrain from acting. Because we are not lawyers, no information on this site should be used as legal advice.

Source: http://www.autoinsuranceadvice.com/insurance-articles/2268/steps-to-take-when-you-are-in-an-accident/

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Friday, July 27, 2012

Strong, Independent Appraisal Industry Vital to Market and Loan ...

WASHINGTON (June 28, 2012) ??Developing and reporting property values more accurately is critical to improving market performance, reducing risk and strengthening the housing finance system, according to the National Association of Realtors?.

That was the message delivered today by Frank Gregoire, immediate past chair of NAR?s Real Property Valuation Committee, in testimony before the House Financial Services Subcommittee on Insurance, Housing and Community Involvement regarding appraisal oversight.

?As the leading advocate for housing issues, Realtors? know that an accurate appraisal is an important part of the home buying process and that a strong and independent appraisal industry is critical to restoring faith in the mortgage origination process,? said Gregoire, a state-certified residential appraiser and president of Gregoire & Gregoire, Inc., in St. Petersburg, Fla. ?There are many challenges currently facing the appraisal industry, and we see appraisals as one of the most crucial and overlooked aspects of the recovery of the real estate market.?

In his testimony, Gregoire said that a number of issues are impacting the credible valuation of real property, including appraiser competency and local market knowledge, challenges in accurately estimating market value in stabilizing markets, and the lack of oversight and regulation of Appraisal Management Companies (AMCs).

While many AMCs provide legitimate services for legitimate fees, a large number of AMCs are contributing to problems in the appraisal business and the overall housing market, said Gregoire. There is evidence that AMCs are often compromising appraiser independence by insisting appraisers include specific transactions as comparable sales, complete appraisals in unreasonably short turnaround times and comply with a broad scope of work not commensurate with the fee paid.

Many AMCs also require appraisers to accept any and all liability if a loan defaults if there is any claim related to the value of the property. All of this puts pressure on the appraiser, compromises their independence and negatively impacts the quality of the appraisal report, said Gregoire.

?Appraisers are facing undue pressure by AMCs to complete appraisals using distressed transactions as comparable sales, to deliver completed appraisal reports faster, and do a greater scope of work for a lower fee than a competing vendor,? said Gregoire. ?The end result is that lenders and consumers are being underserved, and all of this is contributing to the failure to recognize positive movement in prices and values in many markets, creating an additional obstacle to the housing market recovery.?

NAR strongly supports the independence of appraisers and the appraisal process, and believes that all AMCs should be required to register with the state appraisal regulatory agencies where they are providing appraisal management services. Currently, AMCs that are subsidiaries of lenders are regulated at the federal level and not subject to state AMC registration requirements, which exacerbates problems because it leads to different standards and creates confusion. Lenders should also be prohibited from retaining an AMC?s services if that lender maintains any level of ownership in the AMC.

Other appraisal challenges include limitations of the current reporting format, lagging market information, discrepancies in market definitions, the funding structure of appraisal programs, and a declining number of appraisers. NAR represents about 30,000 state-licensed and certified appraisers throughout the country, who report that their colleagues are leaving the industry for many reasons, but among the most cited is that experienced appraisers refuse to work under the current AMC-imposed climate.

Gregoire said that while appraisals are the gold standard for mortgage origination, there is also an important role for broker price opinions, comparative market analyses and automated valuation models. While some organizations focus only on appraisals, NAR is the only real estate trade association that can speak with authority on appraisals and alternative valuation products.

NAR has long been seeking to ensure credible valuation of real property for the industry and since 1993 has encouraged appraiser members to demonstrate their professional competence by earning one or both of NAR?s appraisal designations. The Residential Accredited Appraiser (RAA) and General Accredited Appraiser (GAA) are awarded to certified appraisers with education and experience in excess of the minimum state qualifications.

Earlier this year, NAR also adopted the Responsible Valuation Policy, which serves as a guide for members and staff in advocacy efforts for federal legislation and regulatory policy. Through its subsidiary, the Realtors? Property Resource (RPR), and its Real Property Valuation Committee, NAR is able to provide one of the most comprehensive sets of data and tools for determining credible home values.

The National Association of Realtors?, ?The Voice for Real Estate,? is America?s largest trade association, representing 1 million members involved in all aspects of the residential and commercial real estate industries.

Source: http://archibaldrelocation.com/strong-independent-appraisal-industry-vital-to-market-and-loan-origination-process-say-realtors?utm_source=rss&utm_medium=rss&utm_campaign=strong-independent-appraisal-industry-vital-to-market-and-loan-origination-process-say-realtors

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POLL: Should we reduce the auction extension? | Flippa Blog | Buy ...

by Ophelie at Flippa

Now that we?ve implemented automatic bid management and lowered our credit card verification threshold, the most-requested modification to Flippa is that we reduce the duration of the extension we grant to auctions when a last-minute bid is placed.

Extending auctions after last-minute bids prevents sniping, a frustrating technique that means the fastest bidder wins, not the one who is willing to spend the most. On the other end, extending an auction means that sellers are never sure when their auction will end.

Today we?re asking you: how long should that extension be? Should it even exist at all? Is 15 minutes enough? Is 4 hours too long? Cast your vote ?


Check out what some of the responses were when we sought feedback on this very issue in 2010. We expect that automated bidding will change that outcome.

Posted in Buying Websites, Selling Websites

Source: http://flippa.com/blog/poll-should-we-reduce-the-auction-extension/

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Thursday, July 26, 2012

Deciding on Quick Techniques Regarding Personal Finance ...

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Money and finances are a part of life that you can not avoid. It is therefore important to understand how to manage your finances properly. Without proper management, your life can quickly spiral out of control. There are many tips in this article that will help you handle your money better.

Make your budget based on your monthly income and expenses. Do the math to see how much your household is making after taxes every month. Do not forget about all sources of income, including income from a second job and rental properties. The total income each month should be more than your total amount of monthly expenses.

Next, you should figure out what your expenses are. List all of the money that your family spends. These expenditures should include any payment you will make more than once, including quarterly premiums. Also include all automotive costs, such as gas, tune-ups, and tire care. You should also include all food expenses, from buying a coffee to how much you spend at the grocery store. Be as detailed as possible.

Once you have completed your analysis of the income and expenses, you can determine what your budget plan can be. Be sure to find any expenses that can be taken off the list. For example, you do not have to go by the coffee shop right before work. Instead, you could make your own pot at home, and bring a cup to work with you. Look over your list to find areas where you can cut down.

Consider upgrading various aspects of your home in order to lower your utility bills. Weatherized windows and tankless hot water heaters can save you money on your heating bill. Additionally, you should repair any leaking water pipes and only run your washing machine or dishwasher when it contains a full load of clothes or dishes.

Replacing old appliances with ones that use less electricity is a good idea. Although the up-front cost of replacement can be high, these upgrades will generally pay for themselves over time. Unplug the appliances you do not need. Over time, you should see a decrease in the amount of energy your household consumes.

As a result of reduced utility costs, many home improvements actually end up paying for themselves and saving money over the long term. One example of this is by keeping your insulation and roofing in top condition, you will keep cool air in during the summer and trap warm air during the winter.

The following suggestions should help you maintain balanced spending and even save money. The money that you save by lowering your bills due to upgrading appliances can be put towards bills. Because of this, you'll have better control of your finances in the long run.

Source: http://glyccentnobu1979.typepad.com/blog/2012/07/deciding-on-quick-techniques-regarding-personal-finance.html

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Laughing Your Way To The Bank With These Auto Insurance Methods

Description:

Having an expensive car or car that is considered a sports car will often increase the price one pays for auto insurance. If one does not like the sound of that then they should consider getting a different type of car. It will not only save them insurance money but often money off the car itself.

When considering insurance for a young driver, be sure that it is known to the insurance provider that they will only have access to one car. This will cut the rates considerably, especially if the least valuable and safest car is chosen. Having multiple cars can be a blessing for convenience, but when rates are considered, it is not a good idea.

A great tip for getting affordable auto insurance is to see if you are eligible for any group or organization discounts if you are a member of any groups or certain organizations. If you are, you could potentially save a lot of money on your auto insurance. However, you need to know if you have to purchase through them in order to receive this discount.

Many auto insurance companies believe that good students are better drivers and offer good student discounts for your young driver. Taking some time to stay involved in your child?s schoolwork to keep their grades high enough to take advantage of this discount can be a smart move. Check with your insurance company for the GPA needed to qualify.

Do your best to shop around when looking for a lower auto insurance policy premium. Don?t just renew your policy, study the fine print to see if its terms or your conditions have changed. Another company may have better rates, but you won?t know until you look. Most agents give rates over the phone and others do so online.

Before choosing the auto insurance policy that you think is right for you, compare rates. Comparing rates has been made easy with so many online insurance companies. Many of these companies will compare rates for you. Go to a couple of these sites and get many quotes from each before making your decision.

Do not automatically assume your rental car is covered if it is stolen or damaged in any way. Rental cars are often not covered under most auto insurance policies. If it is not covered, you can add coverage for about one or two dollars more per month to your premium.

Don?t just get the basic coverage that your state requires and think you are off the hook. Make sure you really analyze the value of your car and potential problems you have before deciding on a final policy. Many times the basic requirement is not much more than liability insurance and this can leave you high and dry.

Make sure when you are comparing different insurance plans that you are comparing apples to apples. One company might offer you a rate that seems like an incredibly good deal, but when you read the details you find out that your deductible is much higher, or that there are huge fees for paying monthly instead of annually.

Doing something simple like putting a car alarm on your automobile can ultimately save you hundreds of dollars over the life of your insurance policy. Statistics show that vehicles with alarm systems are less likely to be stolen, and any vehicle less likely to be stolen poses less of a risk with an auto insurance company.

When you are looking for car insurance, try to purchase it online. Many car insurance companies tend to offer a reduction by filling out an application online. This is because most of the application process this way is automated so they do not have to spend money on processing it.

As long as your auto insurance is in accordance with state law, you should not have to purchase a more comprehensive package. This is a great way to save money. If you are a safe driver in a relatively safe area, you can drop certain features like collision coverage and end up saving a bundle of money.

Do not settle for the first auto insurance company that you find. You may be missing out on special discounts or rewards. For instance, some insurance companies offer discounted premiums for accident-free drivers, or for people of certain professions. Some even give discounts to college students who maintain good grades.

Before buying a new car, you should research the frequency with which the particular model is targeted by thieves and vandals in your area. Cars that are popular with thieves are unpopular with auto insurance companies. They can and will charge a higher rate for a model that is especially attractive to criminals.

When dealing with an auto insurance claim, always keep all of the information related to the claim with you at all times, in a pocket or a purse. Claim settlements are often slowed down by the client not having information handy with the insurance company contacts them, meaning they?ll have to wait until that evening to get things moving.

Car insurance can be extremely complex. Hopefully after reading these tips through, you feel a little more clear and confident about how to handle such matters. Keep what you read in mind in order to save your stress, time, property, and money in future car insurance dealings.

Myrtice Angleton is a specialist concerning MGB

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Source: http://calitoyz.com/laughing-your-way-to-the-bank-with-these-auto-insurance-methods/

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Worker complaints over paid time on the rise

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One of the most common complaints is workers who fail to get overtime pay as required by law.

By Eve Tahmincioglu, Today contributor

There?s a simple workplace axiom: You put in your hours and get paid for them. Alas, this doesn?t always happen.

There?s been a record spike in wage and hour violation claims by employees thanks to sustained tough economic times, an increase in enforcement by the government, and confusion over -- or disregard of -- overtime pay provisions.

Seyfarth Shaw

Wage and hour lawsuits have been soaring, according to federal judicial caseload statistics.

Already this year, there have been a record number of lawsuits filed under the?Fair Labor Standards Act, which covers wage and hour provisions, with 7,064 filed so far this year. That's?up from 7,006 filed for?all of?2011 and just 2,035 cases filed a decade ago, according to data compiled by employment law firm Seyfarth Shaw.

The Department of Labor's wage and hour division collected a record $224 million in back wages from employers in the latest fiscal year for more than 275,000 workers.

?Many workers still have a hard time taking advantage of their legal protections,? said Jeffrey Michael Hirsch, associate professor at the University of North Carolina?s law school and a contributing editor to the Workplace Prof Blog. ??Low-wage employees, in particular, often don't earn enough to attract attorneys, although class actions might help in some cases, so you see a lot of cases of unremedied wage theft.?

In those cases, he said, the Labor Department sometimes gets involved, especially to "send a message to employers."

The Labor Department, which sees 125 to 150 cases annually, has stepped up its efforts and pursues litigation when it cannot settle out of court, said?Sonia Melendez, a spokeswoman for the agency.

?The wage and hour division has stepped up enforcement efforts on behalf of vulnerable workers ? such as low-wage workers, migrant or seasonal laborers, workers with limited English language skills and workers who are unaware of their rights or are reluctant to file a complaint when subject to labor violations,? she said.

The bulk of wage and hour lawsuits deal with ?misclassification of employees, alleged uncompensated ?work? performed off the clock and miscalculation of overtime pay, said Richard Alfred, an attorney and chairman of Seyfarth Shaw's wage?and hour litigation practice.

He attributes the rise in lawsuits to:?

  • Weakness of the economy, resulting in layoffs
  • Outdated federal and state laws, which have failed to keep up with changes in technology
  • A lack of clarity in existing law, making it difficult to classify which workers need to be paid for overtime
  • Potential for lucrative recovery by plaintiffs and their attorneys

High-profile cases, such as a wage and hour case involving Wal-Mart, have gotten many employees, employers and lawyers to stand up and take notice.

In May, Wal-Mart agreed to pay nearly $5 million in back wages and damages to more than 4,500 employees who were misclassifed as being?exempt?from overtime rules. That paled in comparison to the $352 million the company paid in 2008 to settle allegations it didn't provide workers with proper rest and meal breaks but served notice that the Labor Department is paying close attention.

?Misclassification of employees as exempt from FLSA coverage is a costly problem with adverse consequences for employees and corporations,? said Secretary of Labor Hilda Solis at the time of the announcement. ?Let this be a signal to other companies that when violations are found, the Labor Department will take appropriate action to ensure that workers receive the wages they have earned.?

Massive monetary awards have increased the profile of such cases, making them attractive to some lawyers, Hirsch said. But he said the awards also have made?smart employers more careful. "One thing a lot of management-side firms do is perform internal audits for clients to make sure there aren't problems, particularly with overtime classifications," he said.

Not everyone is as focused on the issue, he added. ?I'd like to think that employers of low-wage workers are getting the message, but I'm not sure that's the case in general. You still hear about violations all the time.?

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Source: http://lifeinc.today.msnbc.msn.com/_news/2012/07/26/12951936-growing-number-of-workers-complain-about-being-shortchanged?lite

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K9 Law Enforcement Detection Dog Training | Love My Pets GPS ...

Law enforcement detection dog training assists both the canine as well as the handler become a better group. The fitness instructor as well as his pup may start by discovering several recommend workouts along with general obedience drills. The fitness instructor will certainly need to find out to trust his canine associate along with study her shrewd clues.

Many of the pups as well as their handlers are law enforcement canine groups. There are many teams throughout the United States that are privately possessed and also work with protection business. These varieties of handlers as well as their domestic pets can be discovered in airports, train stations as well as along the ends.

K9 law enforcement canines are qualified through the authorities academy with their handlers. The handlers bring the puppies? property with them to be part of their loved ones. The fitness instructor as well as the puppies come to be unified as well as the very best of pals, relying on each other all the way.

A handler will definitely determine exactly what type of acknowledgment pup she will prefer based upon where she lives. If the handler as well as her canine live near an airport, there are many different varieties of acceptances or fragrances the canine can be qualified for. Commonly, the pets are each trained for a tiny set of odors. A pharmaceutical smelling canine would certainly not be qualified to sniff out bombs or live cats at the same time. This is not to say they might not find or smell these products and also notify their trainer to them, they are simply not educated to do so.

Due to the fact that bombs are made of countless different components, the domestic pets are shown to acknowledge a number of assorted odors. This training spends some time and also a ton of practice, perseverance and conviction. The right canine and handler will definitely get the hang of signals as well as scent job and also be an impressive group in a issue of months.

A canine could be educated to see countless different fragrances. Some puppies are trained to scent bombs as well as the various chemicals used to make them. Additional dogs are let to scent unique cats as well as work at the airport to aid keep them away from the Us. The pets are often detecting or tackling a tether and also alongside their trainer or handler, which in a lot of circumstances is the same individual.

All detection dog training aids both the coach and also the canines. They assist their community as well as the United States to remain harmless from various potentially harmful scenarios. These pet dogs as well as their coaches are a much needed service for their communities as well as the country. You can assist them by vacating their method as well as allowing them to do their task. Never ever try to animal a operating canine.

Canine Command, LLC offers great prices on law enforcement canine training. Check out their website to learn more! (http://www.caninecommandllc.com)

Source: http://lovemypetsgps.com/blog/2608/k9-law-enforcement-detection-dog-training/

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Senate panel clears intel bill with tight curbs on leaks (reuters)

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Know About Some Brilliant Methods Of Capital Raising | Franchising


Business | Franchising | * Written by Jacob M Willis | Wednesday, 25 July 2012 03:01 | Word Count: 633

It takes careful planning, implementation, sincere efforts and a highly reliable source of cash funding to?? grow a business successfully. If you want to operate your business smoothly and see it growing rapidly, you will have to maintain a steady cash flow by asking for financing from venture capital sources, banks, venture angels, international investors and more. Capital raising can help fulfill your dream no matter whether it is procured from a venture capital agency, business angel, bank or any other financial organization. What you need to remember is that your business idea can't take off if you are unable to convince your capital investors of its worth as an investment option and your farsightedness as a businessman to make it click. It is true that many business funding agencies are ready to assist you through capital raising but you will face difficulty in finding the most suitable one of them. Cash raising is very essential to carry out your startup's operation, meet its basic expenses and remove the financial hurdles in its way of growth.

To be true, if the managers of a Start-up or new company fail to ensure the minimum required personal assets for its use, capital raising may become too difficult. It is not always wise to put your personal assets into a new business venture no matter how deeply you are attached or close your bonding with it. It is because there is always risk of loss which might cause you lose your personal property as well. You will never like to lose the battle as your business is your dream and you want it to succeed in every condition. However, the big question is how you will manage capital raising to run it smoothly before it actually starts to generate revenue.

The noteworthy points involved in the capital raising process are chalking out a business strategy, preparing a targeted list of potential investors, making contacts based on the recommended list and replying to the investor's response and negotiating the deal successfully.

Brilliant Ways For Capital Raising

1. Home Equity ? This option will surely help you produce easy capital for immediate use of your start-up company. You can keep apart the actual value which you owe to your home and put the induced cash directly in your company.

2. Borrowing From Friends And Relatives ? You should approach your family, friends, and relatives as they will be your prime source for loan. Be sure you have all the standard agreements in black and white and negotiate the best on them to uphold your success at the end.

3. Credit Card ? Credit cards can really help you with capital raising. So, start making use of your credit cards to get the maximum possible capital. Again, by making some payment you will be able to secure a large sum, an easy deal, when you need it the most.

4. Shedding Your Valuable And Old Attachments ? You can consider shedding your valuable and old attachments like a bungalow, a vintage car or similar item to raise capital for making your startup business run and grow successfully.

5. Invoice Factoring - It is another effective method, where future credit receipts and invoices can get converted into quick capital. You can sell the invoices or credit card receipts to any invoice factoring agency and find easy and fast cash in return.

6. Intellectual Property Monetization ? Companies having Intellectual Property can easily generate extra working capital to extend their business. Intellectual property monetization(IP monetization) can be done either by the newly developed method of IP collateralization or securitization of IP assets.

Jacob Willis has been strongly associated with financial market and doing research on capital raising methods for many years. He has recommended intellectual property monetization(IP monetization) and a few other methods for managing it to the best possible standard.

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Author of this article: Jacob M Willis.

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Wednesday, July 25, 2012

Agents 'live and work beautifully' at the Newport Beach office ?

Manager Debbie Lewandowski

Debbie Lewandowski, manager of the First Team Newport Beach office.

The Newport Beach office of First Team Estates may be the most beautiful real estate office in the U.S., says Manager Debbie Lewandowski, who also serves as the director of the company?s Luxury Division. Specializing in serving the luxury market, agents at this location cater to an international client base and collectively speak 12 different languages. They are highly trained to deliver uncompromising results to clients of privilege who expect no less.

??????????? Cameron Merage, CEO and Founder of First Team, is also a founding member the company?s international marketing arm, Luxury Portfolio International?. ?First Team is one of only 100 top brokerages worldwide invited to be a part of this exclusive network and is one of only two Orange County companies so honored.

??????????? Acknowledged worldwide as the ?voice of luxury marketing,? Debbie provides extensive training including one-on-one coaching for agents. She considers herself to be a ?student of the market,? and it?s with that unique perspective that her agents are led and coached.

??????????? ?California?s luxury market is unique,? Debbie said. ?As a locally owned, independent company, we are especially agile and responsive to the needs of our clients. That enables us to be truly representative of the international boutique experience.????

Debbie believes that both clients and agents appreciate the all-inclusive environment at the Newport office. Services include residential real estate, commercial real estate, property management, a sophisticated short sale department and specialized mortgage services. Authentic, level-headed and blessed with a charming sense of humor are a few of the attributes the agents love about Debbie and why they know they can always count on her.

??????????? ?The Newport Beach office has cach?, a stunning office in one of the most beautiful places on earth ? it?s a great place to live and work,? Debbie said. Live and work beautifully ? contact Debbie Lewandowski for a confidential interview at (949) 338-8304 or at debbielewandowski@firstteam.com.

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Source: http://firstteamrealestate.wordpress.com/2012/07/24/agents-live-and-work-beautifully-at-the-newport-beach-office/

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Tuesday, July 24, 2012

Parmesan Zucchini Pasta | New York City Eats

Hi loves! It?s been a while, no I didn?t fall off the face of the earth. Since my bachelorette party I?ve been a little under the weather. Two Mondays in a row of sore throat and sinus pain?I hate being sick. It interferes with my ability to be in the kitchen! Darn it! And that?s the worst part of all!

However, when I have a Secret Recipe Club post coming due nothing can keep me down! Plus the website I was assigned to, A Vegan Obsession, had some really healthy, flavor, delicious dishes on her site. Being gluten and sugar-free sounded pretty good right about now. I figured a healthy meal couldn?t be bad!

I had chosen a bunch of different recipes, like the butternut squash gnocchi, zucchini fries w/ lemon aioli, harvest berry almond torte?I could go on. As you can tell I was at no shortage of amazing recipes to go from. (That?s part of what?s so great about The Secret Recipe Club, you get to go to a wonderful blog that you had never ventured before and find some amazing new recipes to try! Anywayyyy, back to my story?) Then I went back to the blog, after bookmarking a ton of The Vegan Obsession?s recipes and the latest post was up ??Zucchini Pasta Salad w/ Almond Alfredo Sauce???MMmmm!

Sounded amazing and I could not wait to try it, plus she made the dish look so pretty! Now I must say I had a couple changes. I?m not a fan of raw food so my zucchini was quickly sauteed in a pan, just to make it a little softer. I made ribbons instead of juliennes with my Kitchen Aid, and my sauce was simple ? salt, pepper & parmesan cheese. Yum!

It may sound like I?m way off from the original recipe but I would have never tried this if it hadn?t been for A Vegan Obsession. And I have to tell you it will definitely be made again! It got the stamp of approval from my future hubby. There is certainly nothing wrong with going vegan every now and then! Thanks India-leigh!

Parmesan Zucchini Pasta
adapted slightly from A Vegan Obsession

Ingredients

2 zucchini
1 summer squash
2 tablespoons olive oil
salt
pepper
1/4 cup grated parmesan cheese

Preparation

Using a peeler, peel ribbons from the zucchini and summer squash, turning with each peel. Once you get to the seeds, stop & discard ? the seeds will not be used.

In a large saute pan heat up 1 tablespoon of olive oil on medium heat. Add half of the zucchini & summer squash ribbons. Saute for about 2-3 minutes, tossing, until the ribbons are just translucent but not browning. Add about 1/2 teaspoon (or more to taste) and some fresh cracked pepper. Remove from pan (to a bowl or serving dish) add the other tablespoon of olive oil and let heat up. Add the rest of the zucchini & summer squash ribbons and cook as you had the first batch, seasoning as you cook.

In the serving bowl add the grated parmesan cheese and toss lightly to combine and disperse the cheese. Top with a little extra fresh cracked pepper. Serve while hot!

Secret Recipe Club



Source: http://nycityeats.com/wordpress/5018/parmesan-zucchini-pasta-the-secret-recipe-club/

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Monday, July 23, 2012

cmscritic: Tornado watch on for #yeg. http://t.co/oS3uOVnx

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MacLaine: Hairdresser to thank for 'Downton'

Getty Images / Masterpiece Class

Shirley MacLaine, left, and Maggie Smith

By Jolie Lash , Access Hollywood

Shirley MacLaine will trade barbs with Dame Maggie Smith in the upcoming third season of breakout PBS hit ?Downton Abbey,? and she has her hairdresser to thank.

When asked on Saturday night at the ?Downton Abbey? PBS panel at the Television Critics Association summer tour if she was a fan of the show before signing on, the actress revealed just how her follicle fixer helped lead her to the role of Lady Cora Grantham?s (Elizabeth McGovern) mother, Martha Levinson.

VIEW THE PHOTOS: Emmys 2011: Stars Celebrate At The Afterparties!

?Actually no. I walked into my hairdresser lady in Malibu and they were talking about this,? Shirley said. ?[I wondered] God, what do they mean?? And soon after that? some other folks in my life called.

?Then I saw it and oh man, I ran three months of it and I was just as addicted as everybody else,? she added.

VIEW THE PHOTOS: Hollywood Legends

In clips from Season 3, premiered for press at the PBS session, Shirley?s Martha arrives at Downton and immediately begins trading biting one-liners with Maggie?s Violet Crawley, the Dowager Countess of Grantham.

Shirley said it was fun to work with Maggie and the two actually met decades ago at an awards ceremony, where she lost out on a prize.

?We were lovers in another life,? Shirley joked, adding that their meeting happened near a chocolate cake where Shirley consoled herself after the award loss.

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?She remembered more than me, but then she?s younger than me. She?s one year younger than me,? Shirley added.

Clips for the show also revealed ? SPOILER ALERT ? that Mr. Bates is still in prison, with Anna on the sidelines fighting for him, as well as trouble for couple Mary and Matthew, and for Lady Sybil, who returns with her Irish husband (the former Downton chauffer) Branson.

VIEW THE PHOTOS: The Brit Pack: Hot Shots Of Stars From The UK!

?In the third series you see the impact on this family of the Irish troubles,? creator Julian Fellowes said. ?At the time [that conflict] was much more the headline than the suffragettes or the other things.?

Season 3 will also focus on ?the recovery from the war,? and contain, ?chills and spills, some laughs and some tears,? he also noted.

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Source: http://theclicker.today.msnbc.msn.com/_news/2012/07/22/12890941-shirley-maclaine-hairdresser-told-her-about-downton-abbey?lite

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Oily fish protects against prostate cancer deaths ? NHS Bolton - Blogs

Oily fish protects against prostate cancer deaths ? Health News ? NHS Choices.

NHS Choices examines the science behind the newspaper headlines.

Conclusion

This study has suggested a link between consumption of certain fats in the diet and risk of death from cancer in men with the disease over twenty years of follow up.

There are a number of limitations to this study:

The number of men included was relatively small, and groups being compared would be smaller once the men began to be divided by cancer stage and fatty acid intake.

The study carried out many statistical tests. This means we might expect to see some significant results arising just by chance. The researchers noted that some of their results would not remain statistically significant if they took the number of tests into account.

The men had to report their food consumption in the year prior to diagnosis and it may have been difficult to accurately recall what they had eaten. When the researchers compared a sample of men?s food questionnaire answers with a food diary, there was not very strong agreement. The men?s diets could also have changed over time, which could influence results.

Although the researchers took into account a number of factors that could influence the results, these or other factors could still be contributing to the differences seen.

The results will need confirmation in other studies

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Source: http://boltonpctlibrary.wordpress.com/2012/07/23/oily-fish-protects-against-prostate-cancer-deaths/

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Sunday, July 22, 2012

Is Phoenix Bankruptcy Lawyer Bankruptcy The Light At The End Of ...

Is Phoenix Bankruptcy Lawyer Bankruptcy The Light At The End Of Your Tunnel?

Personal bankruptcy laws in the United States are extremely complicated and very difficult to understand. Before deciding to apply for bankruptcy, it is important that you fully understand all bankruptcy laws, and know whether or not your financial situation will or will not be improved by filing for bankruptcy. Continue reading this article to learn about bankruptcy.

Make sure that you know which,or your assets you will lose when you declare yourself bankrupt. While filing for bankruptcy may seem like a great way to clear the slate and start again with your finances, you need to understand that most of your assets will be seized during the process.

Clean up your credit record after ten years. When you file Chapter 7 bankruptcy, it remains on your credit report for ten years. However, the credit bureaus are not required to remove the information. In order to get rid of the bankruptcy record, write a letter to the credit reporting agencies, along with a copy of your discharge notice. Follow this up with a phone call to make sure that they have removed the bankruptcy record.

If you are unsure about the paperwork that you need to bring with you when you meet with an attorney, ask. Also, inquire as to whether the lawyer you are meeting with offers free consultations. You do not want to be surprised by a large fee just for them taking a look at your case.

When choosing your personal bankruptcy attorney, shop around. Schedule free consultations with serveral attornies, and find one you are comfortable with. Having a lawyer that you are comfortable with and that you bankruptcy lawyer in Phoenix trust, will make a big difference as you proceed through your bankruptcy. Don?t settle for one that makes you uneasy.

If you are having trouble getting a loan after having filed for bankruptcy, do not make the mistake of trying to get a payroll advance loan. These loans charge ridiculously high interest rates and there is a strong likelihood that you could end up going back into debt as a result.

Before you meet with a bankruptcy lawyer, make a complete list of all of your assets. Any assets that are not listed in your bankruptcy case can be seized to pay for your debts. Your lawyer needs to see a list of every asset you own to properly advise you on which type of bankruptcy is best for your unique situation, as well as, to protect as many of your assets, as possible.

Be prepared to complete some mandatory courses. When you file for bankruptcy, the court will require that you successfully complete two mandatory courses, a credit counseling course and a debtor education course. Both of these courses can be completed online for a nominal fee, and while they are not too difficult, it is important that you are prepared for them.

Make sure to provide every last detail about your financial situation when filing. jEven that information that seems insignificant. This includes all income, debts and assets. Even if it is a very small amount, or something that is never used. Include any pending litigation against you as well, as this can result in financial obligations in the future. It is important to give an accurate representation of your financial situation. This is only done by providing this information.

Shop around for a bankruptcy Mesa bankruptcy lawyer lawyer. Make use of free consultations, if a law firm offers them. Be sure to check out the attorney?s track record. For other kinds of bankruptcy advisers, do the same and be sure they?re licensed if your state requires it. Don?t ever pay debt negotiation firms any cash up-front and be sure you can pay based on the result. Don?t hire someone who doesn?t have good references or makes you feel uncomfortable.

Ask yourself whether, or not you really need to file for bankruptcy. Sometimes simply consolidating some of your debts, borrowing some money from a family member, or negotiating with your creditors can help you to deal with a financial crisis. Bankruptcy should always be a last resort, as it can seriously affect your future.

Make sure that you have all of your financial paperwork with you when, you go to meet with your attorney about bankruptcy. They should tell you what you will need to bring. Generally, the paperwork will include car loan documents, home loan documents, and various financial records like credit card bills.

Start getting used to paying for items with cash. Because bankruptcy will affect your ability to acquire credit for the foreseeable future, and credit you do obtain will have a high interest rate, pay for everything you can with cash or a check to prevent racking up new, much more expensive debt.

If you are in deep personal debt, you may be able to improve your situation by applying for bankruptcy. Although America?s bankruptcy laws are very complex, by reading this article you should have a better understanding of them. Before filing for bankruptcy, it is important that you fully understand all of the pros and cons.

Source: http://lemonwaterltd.com/227/is-phoenix-bankruptcy-lawyer-bankruptcy-the-light-at-the-end-of-your-tunnel/

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