Personal Bankruptcy – Is It Time to File?

With our country’s current economic crisis, today is probably the easiest time in history to file a bankruptcy without being labeled as a “loser.”  Not since the Great Depression has our citizenry experienced such personal financial devastation. It’s your right, as an American. You’ve worked hard all your life and now you are in the depths of despair; you deserve a new start just as much as the big corporations or bailed-out banks.

When Should You File a Bankruptcy?

  • Your mortgage lender is threatening foreclosure and you are unable to afford the delinquent payments.
  • You are plagued with huge credit card debt. You have tried for ages to catch up with your payments, but between late fees and underpayment penalties (and the higher interest rates they charge when you are delinquent), you have a “snowball’s chance” of ever digging out from under these debts.
  • The creditors are crawling up your back; you get more collection mail than any other kind; you “reject” any 800 number incoming calls on the spot and pretend to be someone else, until the caller identifies themselves; i.e. you are being harassed to the “nth degree.”

Immediate Effects of Filing For Bankruptcy

  • You will receive a filed case number; which means that all of your debts are automatically “stayed” (you cannot be pursued by any collectors).
  • All of your creditors should receive a notice of stay from the court (this comes from the list of debts you submitted when you filed for the bankruptcy).  Sometimes a collector may call or write because one department hasn’t talked to the other; just give them your case number and court name and you won’t hear from them again.
  • Repossessions, foreclosures, garnishments or levies are stopped.
  • No new lawsuits or levies can be initiated.
  • Your landlord cannot evict you for unpaid rent, nor can they turn off any utilities that are included in your lease agreement.

personal bankruptcy time to file

A Few Important Points Along The Way

  • If you truly can’t afford a lawyer, you can absolutely do-it-yourself; for instance the Nolo Press in Berkeley, California, specializes in legal books on bankruptcy everyone can understand. Bankruptcy really isn’t rocket science, you need to be able to pull together a complete list of all your debts (along with their account numbers, addresses, etc.), and then just closely follow the instructions and remember you can ask questions of the court clerks.
  • The bankruptcy process takes 3-6 months to complete, depending on your district court’s work load.  As long as you have given a thorough and honest picture to the court, there should be no problems.  Make sure any monies received (from rents or tax refunds) are turned over to the court, or it could completely blow your entire case; there are people who have unwittingly made this error and had their bankruptcies dismissed.
  • When it’s over, you will receive an official “discharge” of your debts.  Keep this paper along with your list of creditors and make sure each one is fully aware of this status.  Check your credit report and make certain each discharged debt shows a zero total owed amount and indicates a bankruptcy.  Report any errors or duplicates to your credit bureau.
  • Creditors for collateralized loans (your car for instance) will apply to the court to “lift” the stay so they can take back their property.  If you plan to keep the car you must appear with them in front of the judge and prove that you are able to make the payments, as well as “reaffirm” the debt, in order to retain possession.  Otherwise you will need to return the item.
  • Within 6 months you will begin receiving solicitations for new credit cards; these will be “secured” cards where you must give them a deposit equal to your new “line of credit.”  Take these offers to help you begin a new credit history; pay them on time and keep balances low (if they raise the limits, call them and have them lowered back down).

Now that it’s all over you can breathe easier and answer your phones again.  The negative is that you’ve had a bankruptcy, and it will be reflected on your credit report.  The positive is that you have had a bankruptcy; you have zeroed out your debt and are on the way to building a brand new credit history.

About the author

Sean Flaherty personally made a successful financial comeback, after devastating cutbacks led him to file for personal bankruptcy four years ago. He is now an independent software programmer and a frequent content contributor for Download Games. Sean recommends computer games as an uplifting activity for those under stress, while teaching them new problem solving techniques. A great place to start is with these free game downloads, like Roller Coaster Tycoon.

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Tips for Student Accommodation in the UK

An increasing number of students are going to the UK to pursue higher education. State of the art infrastructure, low student to teacher ratio, and cultural diversity are some of the many reasons that set UK universities apart from their counterparts in the rest of the world. It comes as no surprise then that the country is only second to the US, as the preferred destination for students pursuing studies at the graduate and post-graduate levels.

 While the UK has so many benefits to offer in terms of academics, students can also find accommodation at relatively inexpensive prices. There are a variety of options to choose from. Following are a few:

Self-catered halls

 These halls are preferred by most students who come to the UK in pursuit of further education. The freedom is what makes most students choose them over other forms of accommodation. You are allowed to cook your own food, and may do it whenever you like. Living is these halls offers students a more independent experience, and is preferred by those who do not want the restrictions imposed by other types of student accommodation.

Halls of residence

 When you live in residence halls, you have the opportunity to meet new people very often. They generally comprise large buildings in which many units are available for students. You have the option of a single room for yourself, or one which you can share with one or more students. You can also choose between single or multi-sex halls, based on your preferences. You will just have to inform the university about the kind of accommodation you are looking for, and it will be provided to you.

 Provisions will be made for a communal bathroom. You will also be provided with a chair, a desk and a bed. Any other requirements you may have will have to be looked into by yourself. Halls of residence have canteens where students can buy food for subsidised prices. You may also access other communal areas in the hall such as pool tables, bars and television sets, etc.


 For the first couple of years, most students live in halls of residence or other accommodations provided by the university. But by the time they move to their final year of study, familiarity creeps in. They happen to get to know most places in the city, and will know how to find their way from one place to another. This is when most students decide to move into their own apartment.

 You may move into one even in the first year of college, provided you sign a tenancy agreement. This agreement is a legal document outlining the terms and conditions of tenancy. You must understand every point in the agreement before signing it. If you find it difficult to understand certain things, the international student advisor is always there for you to approach.

 Some of the things you must factor in while choosing student accommodation are budget, your personal preference, personal security (and that of your roommate, if he/she is known to you) and proximity from the university if you are mulling over private accommodation like a flat or an independent home.

Penny is an expert associated with PASS, a training company that carries out PAT testing for students across the UK and offers PAT courses. Helping several fresh graduates and experienced professionals find the right career path, PASS offers its testing services in many cities including London, Manchester, Glasgow, and PAT qualification in Leeds.






Things You Should Know About Law

Law is an organization of rules and instructions which are implemented through social establishments to manage behavior. Various governments establish laws, particularly by their legislating bodies. The making of laws is possibly affected by a constitution and the rights determined therein. The law molds the society, economics, and politics in many ways and is one of the many social moderators of affairs between people.

A common division can be made concerning civil law jurisdictions, in which the governing body combines and strengthens their laws, and common law organizations, where judge-made compulsory standards are accepted. In a number of countries, religion may enlighten the law.

Types of Law

The arbitration of the law is most commonly separated into two main branches. Criminal law is responsible with behavior that is deemed deceitful by the government and wherein the culpable person or group may be penalized for their actions. Civil law is responsible in dealing with disagreements between persons or groups, in which rewards may be given to the offended litigant.
In civil law, the subsequent areas of expertise exist:
International Law – International law is a group of legal rules, directives, and established practices by which countries, businesses, associations, and people all through the globe interrelate with one another with citizens of various countries.
Constitutional and Administrative Law – Constitutional and administrative law preside over the concerns of the state. Constitutional law includes both the connection between the executive, legislature and judiciary and the human rights, also known as civil liberties of each person aligned with the state. Most fields have a solitary codified constitution complete with a bill of rights, while some have no such document.
Criminal Law – Criminal law is also called as penal law. This field specifically deals with crimes and punishments. It controls the description of punishments for offences established to have adequate harmful social impact but creates no moral judgment on a criminal nor inflicts restrictions on society that bodily inhibits people from doing a crime in the first place.
Contract Law – Contract law involves the enforceable assurances and agreements that must be kept. In most law practices, there are important elements to the formation of a contract: offer and recognition, significance and the intention to make legal affairs.
Tort Law – Tort law deals with delicts, which are more commonly known as civil wrongs. A person must have violated a duty to another individual, or disobeyed some pre-subsisting legal right, for him/her to be considered as have acted tortuously.
Property Law – Property law presides over things of value that people own. Real property, also known as real estate, refers to possession of land and any other effects attached to it. Personal property refers to all else other than land. Examples of personal properties may be objects such as cars, computers, jewelry or indefinable rights.

Further Disciplines

Law extends further than the main subjects into almost every aspect and discipline of life. Because of this, it is relatively impossible to list down all the vast fields that the law supervises. As our society develops into a lot of multifaceted aspects, the law’s role expands as well.

by Paramount Lawyers

Chasing Ghosts in the Wild West

The thrill of exploring ghost towns in the Wild Wild West is unlike anything else. The roads leading to these areas are generally unpaved, adding to the adventurous feel. The towns are marked forever by mines that were once prosperous and frontier outposts that were once infested with gun bearing outlaws. Moreover, many of these towns are located close to popular national parks.



Bodie in California


This ghost town is the largest in California and is set in the mountains of Sierra Nevada. The town features skeletal remains of many boarding houses, banks and brothels. Although the town is in a state of frozen decay, it gives a strong sense of being inhabited just yesterday, a feeling that cannot be ignored. The town boasts of more than 200 buildings that could take more than a day to explore. The winter here is pretty severe and sees this town cut off because of the snow covering roads. Spring and fall are the ideal seasons for a visit as summers can also get pretty hot.


Rhyolite in Nevada


The mining town of Rhyolite is located just outside the Death Valley National Park. It was at its peak at the turn of the 20th century. At this time an opera house was built in the town and it even boasted of its own stock exchange. Interesting things to see in the town include the Cook Bank and the Goldwell Open Air Museum. The town is also famous as the location for numerous Hollywood films.




Grafton in Utah


This ghost town is one of the most picturesque ones. It features irrigated farm lands and fruit orchards. The agricultural heaven was disrupted by floods and armed conflicts with some Native American tribes. It was deserted in the 1940s, post which immense effort has been put into restoring the town. Here you can spend your time exploring the brick schoolhouse and barns. If you are brave enough, you can even visit the abandoned graveyard. The Sundance Kid and Butch Cassidy were both shot in this town.


Oatman in Arizona


The gold-mining town of Oatman is located very close to the driveway between Grand Canyon National Park and Las Vegas. The town thrived during the early 1900s. It is named after Olive Oatman, a young girl who was released near the town after being kidnapped by Native Americans. Here you can spend your time exploring the real gold-mine shaft underground. While wandering around the town, watch out for wild burros that roam freely. Here you will come across many staged gunfights. July 4th is the most popular day in the town. The day is so hot that a egg frying contest is held on the streets of the city.


Leadville in Colorado


The town is located in the Rocky Mountains and is the largest historical mining area in that region. Silver brought fortune to this town in the beginning of 1870s. But Leadville soon became a safe house for swindlers and outlaws. The historic buildings that mark this town include Dexter Cabin and Tabor Opera House. If you travel down the dirt roads, you can will come across many abandoned mines and other ghost towns in the neighborhood.


Penny, works for Town Country Property France, an english speaking estate agent who showcases a wide selection ofproperty for sale in France. Lily loves travelling, photography and documenting her adventures.

Getting Your Personal Finances in Order

If there is one thing that we Humans are generally pretty bad at, it’s our organizational skills. In particular, when it comes to money we often have no idea of our true outgoings each month.

This coupled with out “want it now” culture and the fact that finance is so readily available; we have become a nation in debt. There are many ways to dig yourself out of debt however, and this begins with adding order to your personal finances…

Know what goes where

First of all you need to know exactly how much you earn each month and where your money goes. To do this, go online or to your local branch and take a look at bank statements from the past 6 months. Look at trends and write them down. Trends can be anything from standing orders for energy bills through to the frequency in which you buy new clothes.

Using this information you can build up a picture of how you money is being spend each month. Remember to take into account loan or credit card repayments.

Remove the unnecessary

To effectively cut down on your overall outgoings you may need to look at what you can avoid spending your money on in the future. Create a two-column table on a piece of paper and write down all necessary and unnecessary purchases. An example may be something like this:

Necessary: monthly energy bills
Unnecessary: afternoon coffee with friends

Personal finance in order

If you really want to get things in order and reduce your monthly outgoings, you will need to dispense of your sentimentalities, at least for a short period of time. Work out how much you will SAVE by doing this as an incentive.

Saving money

There are many ways to save money on your necessary purchases. For example, if you have credit card debt, consider moving to another company. To win new business many banks are offering 0% balance transfers for 6 months, saving you a lot in interest. When the 6 months is over, move again.

A similar approach can be taken to energy bills; many providers are offering lower rates in order to get new customers – take advantage of this if you can.

Keep track every month

To avoid your monetary problems spiralling out of control, perform these sorts of tasks every month. For best effect, consider putting together a monthly budget based on what you earn and what you spend – and sticking to it!

There are many positive reasons for keeping on top of your finances; it helps to avoid debt, it allows you to save and it keeps you free from stress. So don’t delay, do it today – create your own finance plan and get your personal finances in order!

About the author

Written by Matt Saunders for Logbook Credit, your online source for logbook loans – kickstart your small business today!

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Could you Retire Early With a Reverse Mortgage?

I don’t know whether or not you had heard, but retirement age has been moved back, and depending on your age there is a chance that it will do again by the time you are ready to pack it all in.

So with retirement being moved further and further from our grasp, if you’re anything like me, the idea of retiring early is probably looking pretty nice right now.

One option to consider, if you do have aspirations of early retirement is a reverse mortgage. This isn’t neccessarily enough on it’s own, but I wanted to discuss whether you could actually use it as a means to free yourself from working life that bit sooner…

What is a reverse mortgage?

A reverse mortgage is basically a way of getting money back out of your property whilst still actually living in it. This means that you can release equity from your home to supplement your pension or whatever.

retire with reverse mortgage

The downside is obviously that once you have gone, your house will belong to the bank and not your kids as you might have wanted; but if like many people your kids are grown up and don’t really need the cash, you might as well enjoy it yourself, afterall, you earned it.

How to retire in style

The first thing you need to do is figure out what you can expect to retire on. This is worth doing, even if you’re only 25. Use an annuity calculator and try out some different amounts.

If you can supplement your pension with a reverse mortgage then perhaps you can lower your pension amount, increase your long terms savings or invest in stocks and build yourself a nest egg.


The idea isn’t to retire at 30 or anything, but if you can start saving early, an extra 10 years retirement is probably acheivable, you just have to be careful to ensure that your pension / mortgage is enough to support you when you get to your real retirement age.

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Features of good accounting software

If you are running a small business and would like to do your own accounting, you should be aware that it can be quite time consuming and that there are countless possibilities for error. This is why, if you are not especially experienced in accounting, or if your business’ accounting demands are not completely straightforward and simple, you should consider getting reliable and versatile accounting software which might help you deal with your books as easily as possible. But what are the most important qualities that accounting software should have in order to be able to help to the greatest extent?

First of all, it should be simple enough for you to be able to use it without spending too much time on getting familiar with it, but it should also be complex enough to actually be useful and cover as many aspects of accounting as possible. One of the great things about good accounting software is that it can save you a lot of time that you can then use more productively, but if the software is still wasting more of your time than saving, you might be better off outsourcing your accounting or finding a different piece of software.

The next thing to consider would be your particular requirements, that will depend on the type of the business. While some businesses might be more inventory oriented, others might have to focus more on accounts payable, your software should reflect those needs as precisely as possible. This is to say that getting a piece of software that does absolutely everything that has to deal with accounting doesn’t have to be the best way to go. For one, it might be significantly more expensive than the specialized software, and it might also be neglecting particular aspects in order to offer that much options. That is to say that you should as specialized software as you can, or even have it custom made for you, which might require some time and an initial investment, but almost always pays out in the end.

Some of the things that most businesses would need in their accounting software is the ability to deal with inventory control, job and time costing, payroll, banking, accounts payable and receivable and, possibly, fixed assets. Like we said, you might not need your software to be able of handling all of these, but if you can effectively cover all of your needs with just one piece of software you should definitely do so (provided that the software is equally capable of dealing with all of those aspects), not only for the sake of convenience, but also in order to save some money.

Finally, the company that sold you the software should have a good and constantly available help and support team. Accounting software can be quite difficult to incorporate into your operation and you might need a lot of help with, not only initially, but for as long as you’re using it. Also, if the software fails in any way, a quick resolution of the issue might make a huge difference in how much that glitch might cost you.

By Miodrag Kostic Kole, Account manager from Belgrade. Follow me on Facebook, Twitter, G+, LinkedIn

Internet – Low Risk/High Reward Business Startups

Given the current state of the economy and the weakness of the job market, now may be as good a time as ever to start a new business. Unfortunately, many traditional businesses can have extremely high start-up costs. A lot of people may have a hard time saving up the tens of thousands of dollars it usually takes to create their own company. And even if a person can scrap together the necessary funds, there is no guarantee that the business will actually succeed. Indeed, the majority of businesses will eventually fail, leaving the proprietor with a mountain of debt on your business credit cards that can take years to repay.

Internet Entrepreneurship

Fortunately, starting a business does not have to be such a risky proposition. Depending upon a person’s skill set and resolve, a person can start a business without breaking the bank. Most of these types of businesses will revolve around the computer in some capacity. The internet has been a great leveler of talent, allowed skilled individuals to become productive in a way that has never been seen before. One person with just a computer can create a program or website that can immediately reach the entire world. No permission is needed to do this and the amount of capital required is minimal. There are many services that are high in demand on the Internet like SEO content writing services and any type of link building service.

Success Stories

There are more than a few examples demonstrating this powerful phenomenon. Steve Wonziak built the original Apple I computer in his garage in California. Bill Gates and Paul Allen created the original computer operating system for the Altair in their dorm room at Harvard. Larry Page and Sergei Brin built the Google search engine in their offices as grad students at Stanford. And Mark Zuckerberg built the original Facebook website in his dorm room as well. In all these cases, the eventual entrepreneurs started small by building something they enjoyed without spending a lot of cash. And in all these cases, these people turned their passions into billion dollar companies that are still influential in Silicon Valley and throughout the world.

internet low risk high reward start up business

Learning to Program

Of course, all of those people were very intelligent and knowledgeable in their fields. But you don’t have to be an expert at the forefront of technology in order to run a successful internet business. If you do know a programming language such as PHP or Python, this would obviously be of great assistance in starting a new company. These are powerful languages that allow you to do all sorts of amazing things on the internet. And you can not expect to build a website like Google or Facebook without this knowledge. Fortunately, learning a programming language is not as difficult as it first may seem. If you are serious about building a powerful web platform, you should at least give learning a language a chance. If you enjoy it and keep up with it, you will be surprised at how much you can learn and how much you can do.

Entrepreneurship for Writers

But even you don’t want to learn a programming language, there is still a lot of things you can do on the web that do not require a huge monetary commitment. If you are a talented writer, you can go down a route followed by thousands of others: starting a blog. There are plenty of sites that will provide you with free space on which to start a blog, not programming experience required. And if the blog begins to take off and gain a following, you can move the site to a dedicated host who can provide more reliability and more services. Even if you don’t want to start a blog, you could try your hand as a freelance writer. Working over the internet will greatly reduce your costs in this business.

Whatever business you decide to pursue, it is important to understand that any business, no matter how little in the way of expenditures you have to put on you business credit cards, will require a lot of time to build. It requires a long-term commitment, even during times when the business is underachieving. But the reward can be a thriving business to support your family for years to come.

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Forex Market Giving you an Advantage to Trade Comfortably

Financial trading helps us to enhance our own economy. One of the platforms for financial trading is provided by Forex market. It carries many advantages…

It is an easy investment easily accessible to one and all investors. The foreign exchange market has many advantages when compared to other trading platform. It is an over the counter market hence it is open 24 hours a day making the business deal comfortable and easy for the clients.

Every investment requires a certain amount of money and it is a fact that money only attracts money. So if you want to gain advantage from your investment, you have to provide capital in the market in favor of your account. However forex trading platform ask for only a small amount of money. You can enter the market with as low as $1. It is with the opening of micro account. A Micro account allows you traders to open positions up to 1,000 units. 1,000 units of currency are equal to 1 contract. The pip or tick is the smallest currency rate moving up or down and is worth of $0.10 depending on whether market is in your favor or against. The mini account of the Forex gives traders, a control over 10, 000 units of currency. In the transaction of mini account one pip is worth of $1. And if you have a better liquidity, open a standard account. A standard account gives control over 100,000 units of currency, where a pip is usually worth $10.00.

When you are trading in the currencies with Forex, the traders have full control on the capital. It means one can buy and sell the positions anytime during the open market. The definite advantages with Forex trading are that you can use your account money with your choice; it can be accessed anytime without falling in any waiting period. This is a definite advantage because, if you need to use your account money, it can be accessed immediately without additional commission or waiting periods. In other investment you have to wait long for holding your investment. Forex also allows the investor to trade with small amount of money; one can control bigger market with margin trading. To get some realistic figure one can assume that as an investor you can control 100 times bigger amount than the capital invested.

Being Forex traders you can be profitable in bullish market. It is different from stock market because traders in stock prices have to rise in order to gain profit where as Forex traders can make profit in both up trends and downtrends. It is off-course risky but with good trading system, good money management skills, and some level of self-discipline the risk of Forex can be minimized.

Forex market can be traded anytime and from anywhere. You just need to have an access of computer and internet to fall in the market of Forex. However, as a preventive measure before climbing on forex trading platform, it is suggested to practice with paper money on the demo account. There are forex exchange brokers from where one can download trading platform to practice with real market data. Stay aware and be prepared to give a profitable start to your Forex trade.

How to Get Better Business Insurance for Less

If you own a business, you know that insurance is a necessary piece to the business ownership puzzle. It protects your business in many different ways, depending on what type of business you operate. The cost of business insurance certainly isn’t cheap, and sometimes it is hard to know exactly what kind you need for your establishment. The good news is you can do some things that will not only ensure you are getting the correct insurance, but better insurance for less money.

Determine Your Needs

If you are in the market for business insurance, it is very important to determine exactly what kind of insurance you need to properly protect your business. This varies greatly by the type of business that is being insured. If you meet with a licensed business insurance broker, they can usually help you determine your needs. Always remember that just because they helped you determine this, you are not obligated to purchase your insurance through them.

One of the most popular types of business insurance is general liability insurance. It protects you if a claim of negligence should arise or if someone is injured in an accident on your property. If your establishment is in the business of manufacturing, it is a good idea to carry product liability insurance. This will cover you should a product be defective or injure someone. Professional liability insurance is typically for businesses that offer a service, such as tax preparation or massage therapy. This will cover your business if there is ever an issue of malpractice, or if negligence is ever alleged. Additionally, if vehicles and driving are an essential part of your business, some type of automobile insurance will be required to protect you should an accident take place.

Shop Around

After you’ve determined what types of insurance are needed for your business, you should always shop around and compare quotes before making a decision. You will be surprised at how much insurance premiums can vary from company to company. Also, many insurance companies that provide business insurance offer packages that combine many or all of the types of insurance you need. This can almost always save you some money, along with the hassle of dealing with multiple companies, policies, and payments. You should definitely look into one of these packages while shopping around, as the amount of money you save may be quite substantial.

There are many different websites that help take the guesswork out of shopping for insurance. You provide them with some information on your business, and they provide you with quotes from multiple companies. This allows you to see firsthand the differences in the companies’ policies, coverage, and prices, which should certainly make it easier to purchase better insurance for less money.

Money-Saving Tips

There are various tips that can help you save money on business insurance. One of the biggest things to remember is to always take the proper safety precautions within your business. Newer and updated electrical systems greatly lower the risk of fire, and will help keep your insurance costs down. Also, keep flooring, stairs, and plumbing in good condition. This lowers the risk of workplace accidents as well. Installing fire alarms and security systems can also help to lower your business insurance costs.

Keeping employees educated and involved in workplace safety can help lower the amount you pay for insurance too. Make sure all employees are trained in their appropriate areas and that the proper protocols for any possible machinery are being followed. This reduces the risk of work-related accidents, which in turn can reduce insurance premiums.

It is also a good idea to review your insurance coverage at least twice a year. This will make certain that any updates or changes to your business are being taken into consideration. For example, installing a sprinkler system can greatly lower your insurance costs, so you should make sure your insurance company is kept aware of things like this. Also, if you are carrying insurance coverage on something that is no longer used, such as a truck, you should let your insurer know. You do not want to be paying insurance on something that your business no longer needs.

By taking the time to do a little research and shopping around, you will be able to significantly lower the price you pay for better business insurance. If you follow some money-saving tips, your savings could be even greater. In the world today, saving money will surely benefit any business, including your own.

About the author

Guest post from Bailey Harris. Bailey writes for

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