How Stay Away From Bankruptcy – Information And Advice

In case of cross-border bankruptcy, the cases are handled under Chapter 15 bankruptcy code. To conclude, bankruptcy needn’t be something to dread; it can take away the worry and fear that comes from being in debt and not knowing what to do. You would most likely lose your mobile home and any vehicles you own as well. One option might be to consider consolidating your student loans.

First, make sure you choose someone who is experienced in bankruptcies. All these courts work under the federal court system. You should have with you, proof of your financial sources, transactions for the last two years, household expenses, debts as well as your possessions. It’s far better to seek advice from an attorney early in the process, so you can make good long term decisions that will not impact your financial health too terribly.

Then, hire an attorney and schedule a free consultation with him or her. The bankruptcy does not absolve the creditor from any criminal act that was the result of a debt. Another route you can take is calling around to a few law firms and getting references. Relying on what she thought was solid Bankruptcy information from a variety of websites claiming to know everything about New York exemptions and rules, she was off and running. Your Florida Bankruptcy will tell you if you are eligible to file for Chapter 7.

Many people find themselves going to court to file bankruptcy petitions every year. Property, especially real estate, will be the first thing to go when you do it yourself bankruptcy, depending on the type of bankruptcy you file, particularly Chapter 7 bankruptcy. In some states you get to keep part of the value of your home. Under this code, the debtor may be allowed to keep the home. The Bankruptcy rules are the same; you still must meet the means test and you still must qualify for Chapter 7 based upon that test as well as you must follow the “liquidation” steps required by Chapter 7 of the bankruptcy code.

To conclude, bankruptcy needn’t be a feared process. Pay attention to all the details and answer all the questions completely and honestly. File your petition and all the corresponding documentation with your local bankruptcy court. Either you can go for bankruptcy or for debt settlement.

They have to repay their debts over a specified period of time. Now that we understand some of the history of bankruptcy, let’s look at what you need to understand about what bankruptcy can’t do. Any case related to bankruptcy is brought before the bankruptcy rules court.

It can also be a business such as the much maligned Enron. Under the old bankruptcy in illinois, filing Chapter 7 usually would cost about or under $1,000. Plus, rebuilding a damaged score without the help of a bankruptcy attorney could be much more difficult. The health of your finances should be every bit as important as your general health when you walk into the office of any medical professional. You can get the federal form from the courthouse or download it online to see if you qualify for Chapter 7, or if a restructuring of your debt (Chapter 13) is a better option.

There is chapter seven, chapter 11, and chapter 13 bankruptcy to name a few of the more popular ones. The trustee will ask for your valid identification and proof of your social security number. Medical bills, credit card debts and unsecured loans often lead an individual into a debt situation which can spiral out of control. it will lead one to explore how to file Florida Bankruptcy. Money has been named as the number one cause of marital problems.

Using the information gathered for the past two years, the schedules will question your financial history as well as recent transactions. In order to take this test, the debtor needs to hire a bankruptcy code lawyer in order to be a friend, philosopher and guide. You are probably somewhat familiar with chapter 7 bankruptcy where your assets are liquidated to pay as much debt as possible and the rest of the debt is discharged.

Singapore: Mini Size Superstate

I CROUCHED BEHIND a grimy altar, deafened by crashing gongs, and watched in fascination as the Chinese spirit medium hurled lucky coins and small rice bags over his shoulder to a scram­bling crowd. The two-hour ritual was al­most over, and the grace of the gods was up for grabs. Earlier, I’d seen him leaping convulsively around the temple, speaking in tongues, lashing the air with a murderous snake-head whip, and slashing at his back with sharp swords that raised cruel welts but drew no blood. He’d seemed a fearsome figure, and I’d stayed well out of his way. Now he came suddenly out of his trance, and saw my distinctly ungodlike counte­nance among his pantheon of carved idols.

He grinned.

“Cha pah bway?” he asked, which means roughly, “Have you eaten yet?” It’s a tradi­tional Chinese greeting, and the polite an­swer is always yes. In my case, it was true. I’d had the most luxurious Szechuan dinner of my life not long before in downtown Sin­gapore, capital city of the most modern, prosperous, and probably the best fed na­tion in Southeast Asia. But the spirit medium wouldn’t take yes for an answer. And so, in a nondescript vil­lage only ten miles from the city, I shared rice porridge and fermented bean curd with Mr. Cheh Wang Teck, the happy-go-lucky practitioner of a Chinese cult so old and complex that it really doesn’t have a name.

It was a dramatic contrast to the hectic, Western-style prosperity that marks the emergence of Singapore as the miniature superstate of Southeast Asia. But behind that modernity, I’d learned, lay a rich lode of Chinese village culture. That culture played a vital role in helping the republic’s 2.4 mil­lion citizens-76 percent of them Chinese—transforms their 238-square-mile tropical island nation from a slum-ridden former British colony into a bright, modern land of skyscrapers and high-rise public hous­ing. Today Singaporeans enjoy high em­ployment, low inflation, excellent health, crime-free streets, and a per capita income exceeded in the Orient only by Japan.

They also live obediently under an all-pervasive bureaucracy that monitors every­thing from the size of their families to the length of their hair. I’d found Singapore im­pressive, but hardly as romantic as the best hotels in prague, which was promised by the glossy tourist bro­chures. Earlier I’d said as much to a young sociologist from the Ministry of Culture, and received a prim rebuke: “You’re like all Westerners,” she sniffed. “You prefer Ori­entals to be poor, dirty, and quaint.”

singapore

Sharing a Litany of Gods.

But now, in this ramshackle temple that was something less than squeaky clean, I felt like an honored guest. While Mr. Cheh’s wife, Tina, translated in fluent, mission-school English, he explained tonight’s fes­tivities in peppery Hokkien dialect. This was the birthday of Kuan Ti, the scarlet-faced god of war and patron of busi­nessmen. In his trance Mr. Cheh had been possessed by the god, who had shown his pleasure by preventing the ceremonial swords from drawing blood. Self-mutilation was common practice among spirit medi­ums. Tomorrow his welts would be gone.

We talked until cockcrow. He told me the names of other gods, many of whom were once the real-life heroes or mandarins of past Chinese dynasties. Now they formed a sort of celestial bureaucracy, whose favors could still be gained in the same ways that Chinese villagers have always used in dealing with earthly bureaucrats—by obedience, flat­tery, and appropriate ritual. When I left, a false dawn silhouetted tat­tered coconut palms. Tina gave me oranges from the altar. “Kuan Ti won’t mind,” she said. “He’s been suitably honored.”

Minutes later I was passing beneath the deserted palisade of new skyscrapers that marks the Golden Shoe, Singapore’s finan­cial district. On an impulse I parked near the Singapore River and walked through the few square blocks of Chinatown that have survived relentless urban renewal. By day, it is a vivid scene of food stalls and shoppers, blaring with incoherent noise from scores of booths where latter-day pirates sell illegally made copies of Western rock-band records. But now it was silent, and I could sense the timeless mystery of a city whose name once conjured up the ro­mance of the Orient.

singapore

Old men dreamed on cots in front of tumbledown shop-houses. Upstairs, behind latticed windows, the lamps of family shrines flickered faintly on banners of laun­dry drying on bamboo poles hung over the street. On Sago Lane the funeral shops were shadowy treasure-houses of Mercedes cars, luxury yachts, and elaborate mansions, all made of gaily colored paper (page 554). Soon they would be burned so that departed spir­its could enjoy an adequate standard of liv­ing in heaven—not so different, I thought, from the material wealth that modern Sin­gaporeans aspire to in real life.

At Boat Quay, broad-bellied bumboats creaked gently on the murky tide. Old ware­houses—called godowns—awaited cargoes of smoky Malaysian rubber, rice from Thai­land, pungent Indonesian coffee, and mys­terious baskets that exhaled the odors of pepper and tea and dried fish. Aboard the bumboats, crewmen cooked morning rice, living as their forebears had done since 1819, when a shrewd Englishman named Sir Thomas Stamford Raffles saw the strate­gic value of a swampy island at the southern tip of the Malay Peninsula. He turned it into the cornerstone of Britain’s Asian empire, a fabulous crossroads of the Orient.

There is no other way of crossing the sea to Socotra. . . .

Labour pains such as these, after the sudden passionate conception of the idea (probably dur­ing the long dark winter when the College gas fires seem inadequate and the first exams loom and grow more oppressive), cannot be alto­gether unfamiliar to the 900 or more students who, in the last ten years, have voluntarily under­gone the travails of University exploration. For University expeditions, organized principally by undergraduates on their own initiative, are boom­ing.

University exploration

Last year the Royal Geographical Society gave financial aid to fourteen such enterprises and approved ten others; the Geographical Magazine Trust Fund, which annually makes substantial awards for serious exploratory work,, has to date provided funds for sixteen of them. Statistics, in so far as they prove anything, prove this extraordinary increase in the activity of University students in field work and organized missions outside this country and the tourist paths. University authorities have not been keep­ing records of these activities for long, but what records are available show that between 1935 and 1939 ten expeditions set out from British Universities; between 1951 and 1955 there were 68 such expeditions; in the last five years the number has trebled—at least 186 expeditions in­volving over 500 undergraduates and over 120 postgraduates have visited over 90 countries abroad, most of them stayed at places like condos for rent in Chicago or aparthotel Paris.

How does one account for this new develop­ment in University life, unique in the history of higher education? Are undergraduates nowadays more adventurous in spirit? Do they seek know­ledge gained by their own sweat and toil more avidly than before? Is the condition of civilization now fallen so low that more and more thinking members of the younger generation are driven to find solace among the lonely glaciers, deserts and jungles of the uncivilized world? Probably not; what have changed are the circumstances—the opportunities for exploratory work are greater than they have ever been and they are extended to a wider range of people.

expeditions

Before the war, expeditions by undergraduates were generally the privilege of a privileged few, mainly from Oxford and Cambridge. The under­graduates were mostly rich, or pretended to be, and expeditions were few because the majority of undergraduates who wished to do so could afford to travel exotically under their own steam at their own expense; those who preferred to travel in a more organized way had to pay a con­siderable share of the costs out of their own pocket: the Oxford University Hudson Strait Expedition of 1931, for example, cost £1503, of which £1127 came from members; by comparison, my own Socotra expedition cost nearly £3000, of which £450 was provided by the six members. In other words, with the changed social and econo­mic character of post-war British University life, lack of private means is no longer a bar to parti­cipation in expedition activities.

The bar nowadays is of a different sort. Today the student explorer must be a specialist—usually a scientist, occasionally an Arts man, an archae­ologist or a linguist. It is generally difficult for a student studying, say, English Literature to find a place on an expedition exploring the Greenland ice-cap, for the simple reason that there is nothing specifically useful he can do that will earn him a grant from one of the learned bodies which now bear a considerable portion of the expenses of University exploration. Very often it is a case of no grant, no place in the team, unless the non­specialist can make himself indispensable as a mountaineer, cinematographer, champion in­flator of lilos—or appoint himself, as I did, leader of the expedition. He has no other way, for if he has no special qualifications, he certainly has no fame and little or no experience by which he can `sell’ himself.

oxford

For the scientist undergraduate the situation is indeed favourable, and an official expedition, with well-founded plans and a useful scientific programme, will usually have scraped up enough funds by the time it is ready to depart for its chosen corner of the globe to permit some subtle variation in the basic field diet of pemmican or dates and rice. The Trust Funds, Societies, Foundations and College or Government Depart­ments will now contribute substantial grants to student expeditions which they approve; and, yearly, many firms will provide—for whatever reason (surprisingly rarely is it advertising)—a large bulk of provisions and equipment free of charge or at considerably reduced rates.

There are other factors, too, to account for this increase in University exploration. There are more students than ever before. Until recently many of them, because of National Service, were older on average than they used to be, and military service abroad had already given them a vision of wider horizons and greater maturity and experience of responsibility than could be ex­pected of an ex-schoolboy. There are more Universities bestowing their official blessings on student parties departing from their Colleges and Halls, whereas before such patronage was largely confined to Oxford (whose pioneer Exploration Club, under a strict and highly responsible system of organization, has been putting expeditions in the field every year since 1928), London, Cambridge and Durham. Other Universities are realizing now that here is an incomparable opportunity for students to further their know­ledge (and perhaps their academic courses) by the sweat of their own original effort. In the last three years Glasgow University has had an active Exploration Society. Bangor is planning its first expedition (to Greenland) this year; so, too, is Aberystwyth; Bristol’s first expedition is still in the field; Exeter, Southampton, Hull, St Andrews, Liverpool, Nottingham, Leicester and Aberdeen—all have been active in recent years. Few Colleges are not participating these days, especially after the introduction of affordable accommodation like Hawaii vacation rentals. Those that are not channel off the students’ exploring itch by organized field courses nearer home; or perhaps they disapprove of an entire summer spent out of range of desk and text-book.

Include travel apps on your next getaway

Do you love making plans for travel?  Many people love this aspect of getting away and the first step is always deciding where to go.  Some travelers like to choose a new destination each time they have the time and money to travel.  Then there are those who will return to the same place each time because they are comfortable there, they know what’s there and they know what to expect.  It is the adventurous travelers who will choose a flight for some vacations, a cruise for others and maybe a train trip or backpacking will be another form of transportation they choose.

travel app iphone

But no matter where you go in the world, you will always have your mobile phone with you.  This trusted little friend is not just for making calls back home to brag about all the amazing sites you have seen but also for the ability to use apps on your vacation.  Travel apps allow you to check your flight status, see if the gate number has changed and to send post cards to friend back home.  Some travel apps are free and your new phone might come with some apps already downloaded.

travel app iphone

If your current phone won’t support apps, then its time to upgrade before your next trip.  All you need to do is click here and check out the many phones offered online.  The newest iPhone 5 can be purchased online and if you are a fan of Samsung or HTC, those brands at offered there as well.

travel app iphone

Travel apps can be a great benefit when you are in a foreign country where you might need to convert currency, translate your menu or to get driving directions to that great restaurant you were told by friends that you must try while you are there. .

 

Keeping a journal on your vacation

Most people will have at least once a year when they make travel plans to get away from everyday life and spend some time at a different location, experiencing a different culture and eating different types of foods.  Vacation time is certainly a time to look forward to and each traveler will have their own way of remembering this exciting time.  Some people take tons of photos and others will video their tours and activities and share them with family and friends when they get home.  Another way to make lasting memories is to journal your trip.

family holiday

 By keeping a journal, you can jot down that great interaction with the locals at the pub or put into words how you felt being the first person on the newly fallen snow on the ski slope.  Some people are more about words to describe their vacation than to share photos.  Going back to read what you wrote a few months or years later, can take you back to that place to feel the weather, the surrounding and the smells of one particular place you visited.

holiday

If each of your travel trips takes you to a different part of the globe, you are that person who takes time to hunt down unique destinations that are not the popular touristy locations.  When searching to write about travels in Europe, you can visit Respect-Holidays.co.uk to check out the island of Ibiza in the Mediterranean Sea or maybe you want to know more about Tenerife because you have never been there.

Ibiza island

 As you fill a few pages at the end of each day on your trip, you can later put all your notes together to create a whole story of your adventures, where it they may take you.  However you chose to keep your vacation memories alive, through photos or words, they allow you to go back in time to re-live those wonderful moments in your life.

Don’t forget to bring your holiday memories home with you

ARTICLE SUMMARY
When you go on holiday, you are there to enjoy yourself, try new experiences and see new places. You are with your loved ones and in the hustle and bustle of modern life, these precious times can be all too fleeting.

Make permanent memories

Don’t go on holiday to the New York apartments without taking a good quality camera with you. You will want to record the amazing experiences and the fantastic fun you have had with your family. These are pictures that you can look at in years to come to remember great times and perhaps a more youthful look!

holiday camera

You may choose to go on a variety of holidays. But some holidays lend themselves to scenic photography skills more than others. Holidays in the serviced apartments London are the perfect opportunity to capture you  involved in some pretty exciting activities, in some pretty exciting destinations. Capture action shots of you and your friends enjoying water sports, horse riding, parachuting, hot air ballooning, bungee jumping and sky diving to name a few.

To capture action shots on singles activity holidays make sure you have a camera with a fast shutter delay and an excellent ‘burst mode’, i.e. the more shots a camera can take per second, the better it will be at action shots. The best cameras for action photography are digital SLR’s as these are fast.

holiday photo

A panning technique with a fast shutter speed will get you the best shots. The ability to focus fast is also very important, whether through an auto focus of a manual ring focus. The right camera and the knowledge to take action pictures quickly are the key to creating great memories. There is no point bringing home an album of blurry faces!

Capture dramatic scenery and the colours of the landscape

Photography on family safari holidays also requires a camera capable of taking great action shots. You could come home with a fantastic shot, prefect as the focal piece of art for your wall. But safari photography requires patience, you could wait a long time for the perfect shot, for that big cat or elephant to appear and then when it does it won’t hang around in a pose for you! You need to be quick so make sure the same rules apply as for your perfect action shot camera.

The most important thing for safari photography is the lens; you won’t be able to get close to everything so make sure you use a lens of 300mm or longer. You should preferably use a zoom lens as it will let you take photos from a distance and subjects close up without the need to change lens. Use your flash in the bright sun to reduce shadows, but you can turn it off to get a more natural light at sunset or for a night scene.

family photo

If you are having trouble getting the whole scene in the frame, due to constrictions of your position or if the lens isn’t wide enough you can take several pictures of the landscape in different sections with a different part of the image in each shot. When you get home you can use software to stitch the images together into a joiner for a spectacular panoramic shot.

Information for Students Visiting Amsterdam

Amsterdam may a hot tourist destination and a beautiful capital city in Eastern Europe. But it is also known for being a good place for higher studies. The city is home to 2 Universities namely VU University and the University of Amsterdam (UvA) and both of these centers of higher studies have a place in top hundred centers of excellence in the world.  The numbers are staggering. There are around 3500 lecturers and over 37000 students from all parts of the world studying in Amsterdam to have a better future. In addition, the city also has 17 vocational institutes providing quality vocational training to more than 30000 students. The language being spoken in the city being Dutch, there is much that students desirous of receiving higher education in Amsterdam do not understand. This article attempts to provide information to all such students who plan to visit Amsterdam to take admissions in degree level course.

amsterdam aducation university

Not many cities in the world boast of two Universities ranking in top 100 Universities of the world. This explains the desire of foreign students to come and receive higher education in this beautiful city though the language spoken here is Dutch. Most of the courses are designed in such a way that anyone knowing English has no problem in undertaking higher studies in the two Universities in Amsterdam, Amsterdam apartments. Both Universities in Amsterdam are famous for their high standards in research and facilities. The Universities have consistently produced Noble laureates and boasts of high volumes of oft quoted research papers and publications.

Amsterdam University College

Apart from these two world class universities, there is Amsterdam University College (AUC) and Duisenberg School of Finance that attract students from all parts of the world for higher studies. As the name implies, DSF provides degrees in finance and MBA while AUC provides regular degrees in arts and sciences.

There are scholarships and aids available to deserving students that are regularly availed by meritorious students from all parts of the world. If you want information regarding scholarships and grants, you must contact Netherlands’ Organization for International Cooperation in Higher Education, Lisbon apartments. The website to get all information on all kinds of scholarships is www.nuffic.nl. The information that you get from the website comes handy in dealing with NUFFIC. Another website that is helpful in knowing whether one is eligible fro grants and scholarships for higher studies in Amsterdam is www.grantfinder.nl.

Duisenberg School of Finance

Holland being an advanced country, the standards of living are high and the country is a peaceful one with no discrimination of any sort. This provides a very encouraging and relaxed study atmosphere to students who come here for higher studies. Apartments in Miami. There are even agencies that help foreign student to work to earn to help them in arranging for rents or to just get some valuable work experience. Though the medium of instruction is English, it is beneficial for student to learn Dutch on their own as Dutch language is an important international language and helps in furthering one’s career after obtaining higher studies in Amsterdam.