Personal Bankruptcy - HWM Personal Finance -

Bankruptcy can be both a relief and a major stressor. You will have to thoroughly review your finances and allow strangers to scrutinize them even harder; this is naturally stressful. On the other hand though, after your bankruptcy discharge, you can rebuild your finances and stop all the bill collection calls. Take a look ahead to figure out more about bankruptcy.

As filing bankruptcy becomes more of a reality, don?t use your entire savings or your retirement funds to pay creditors or attempt to resolve insolvency. Unless there are no other options, your retirement funds should never be touched. Though you may need to use a bit of your savings, try hard to maintain some of your reserves so that you have some degree of flexibility going forward.

Make sure you consider implications of bankruptcy before filing for Chapter 7. A Chapter 7 bankruptcy will relieve you of your legal responsibility to pay any joint debts. Although filing for bankruptcy excludes your from financial responsibility, co-signers will still be expected to pay the loan amount in full.

Chapter 7

You can either qualify for a Homestead Exemption to Chapter 7 or you should file for Chapter 13 to secure your home. In some situations it might be better if you convert the whole Chapter 7 bankruptcy into Chapter 13. In this case, you should consult with your attorney to decide on your next step.

Look into the type of bankruptcy you should file for. There are a few different kinds of bankruptcy to consider. Do your research and understand each type before you make a final decision about which one to file. One or more choices may be appropriate for you. If you find making a decision confusing, be sure to consult with a professional before making a choice.

Be aware that getting unsecured credit is going to be tough once you?ve gone through bankruptcy. If this happens to you, think about applying for a couple of secured credit cards. This will show people that you are serious about getting your credit record back in order. After using a secured card for a certain amount of time, you might be offered an unsecured card once again.

TIP! If you are in a position where you are unable to pay your debts, bankruptcy may be the only option for you. If you find yourself needing to file for bankruptcy it is important to familiarize yourself with the state laws.

Once you have filed for bankruptcy, it is important to be cautious about incurring new debt. There are plenty of lenders out there peddling credit cards and loans designed for people coming out of a bankruptcy filing. This sort of loan and credit card usually carry an extremely high rate of interest. If you act hastily, you may end up with even more debt. It?s better to live within your means, establish a savings account and slowly build good credit for a sound financial future.

Make sure you understand your rights as you file for bankruptcy. Occasionally, debt collectors will attempt to convince you that your debt isn?t eligible for bankruptcy. There are, indeed, some debts that cannot be bankrupted. Among them are student loans, child support and alimony payments. If a collector tries to convince you that some other type of debt, such as a credit card, is non-discharagable, get the company?s information and send a report to your state attorney general?s office.

It?s important to do research. If you need to file for bankruptcy, but don?t have the funds to hire a lawyer, you are probably thinking about handling it yourself. If that is your choice, you have to be sure you are educated about the bankruptcy laws. Those who attempt to file on their own often make mistakes that ruin their chances of receiving a discharge. Do everything the right way so it all goes through as it should.

Reconsider going through a divorce as it could put you into a rough financial situation. A lot of people get divorced and immediately have to file for bankruptcy because they didn?t foresee the troubles that were ahead for them financially. If it is at all possible to work things out with your spouse, you will both be better off in the event of bankruptcy.

TIP! If you have made a mistake and your case is dismissed due to your error, you can usually re-file. This should be done within a month after filing, as automatic stay expires after this.

Compile a list of the money your currently owe. You need to gather every debt you know you have, because this list is the starting point for a bankruptcy filing. Search your financial records to be certain that every amount on your list is exactly correct. Don?t be careless about this step, as discharge depends on submitting the correct numbers to the court.

Personal Bankruptcy

When it comes to filing for personal bankruptcy, there are good things and bad things. Regardless of your reasons for filing for personal bankruptcy, remember that it is a process that can be extremely helpful if you are well informed. What you read above can easily help you get a handle on the entire process. As long as you implement these tips how you read them, you should be able to make much more sense of the process

Don?t hide from your friends and family while you go through bankruptcy. The bankruptcy process can be brutal. It is often overwhelming, and not quick. Some people may feel embarrassed or feel their self-esteem has taken a beating from it. Avoidance of friends of family during the process is not uncommon. Pulling away from people who care for you will not help the situation, and can cause your negative feelings to intensify. Spend time with your family, talk about your problems and find things that relax you.

tips

Source: http://hwm.cc/?p=264

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Labor Day Ready: White House Releases Beer Recipe Thanks To Direct Democracy

Ready your grocery list for Labor Day: the White House has released the recipe for its official home brew, The White House Honey Ale. In a pun-tastic blog, Assistant Chef, Sam Kass, buckled to overwhelming demand from?the White House online petition platform, We The People, "with public excitement about White House beer fermenting such a buzz, we decided we better hop right to it."

Source: http://feedproxy.google.com/~r/Techcrunch/~3/c2bfH_inRQI/

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Find Out The Techniques To Earn Dollars Quickly At Sporting Activities

Even though many men and women wish to wager on sporting activities, valuable couple stop up profitable funds. Most estimates appear to be to indicate about 2% of all bettor are lucrative around the very long haul. All those are a few very long odds for anyone looking to get.

A lot of people believe of sports activities cards for a interest, although not significantly a lot more. There are all those uncommon collectors who own extremely worthwhile collections, but regular individuals won't be able to make money with sporting activities cards, can they? Sure they'll, so you might be one of them. It truly is not some thing you may do overnight or you need to enter into frivolously. But if you go over it the best way, you can generate a fantastic financial gain marketing sports activities cards on the web. Prior to you can get commenced even though, there are a few factors you will need to find out about the way to make this sort of business enterprise successful.

Many Skilled Gamblers essentially come up with a great living making money in sport on sports activities. However, such Professional Gamblers are fairly a rare breed. Irrespective of whether you're a professional, beginner, or someplace between, just like the casinos the place the home definitely principles, in in relation to making money in sport on sporting activities, the chances are stacked inside the bookie's or SportsBook's favor, NOT yours--unless you have received a surefire athletics making money in sport technique to complete the really hard operate for yourself additionally allow you to generate profits making money in sport on sports activities and keep away from going towards the proverbial "poor house", anywhere that is definitely...

There are numerous other notable added benefits that you may get in case you are also an educationist and need to create somewhat income likewise but prior to that you just ought to understand how you may successfully use this brand mark to bring in extra sponsors.

You'll be able to figure out a winning tactic from the sample on the online games performed lately along with the way the person players are faring against opposition groups.

You'd know from the news and data that you just hold monitor of the best way to earn a living making money in sport on sports.

In the virtual realm, everyone dreaming to possess his/her individual sports league can perform so simply using a just click of the mouse. Fantasy sports activities leagues, because the identify indicates, entails the creation of the virtual league wherein people can create their unique teams and compete in opposition to each other as a result of the online market place. When the sporting activities league appeals to good enough viewers or players and will increase its website traffic, then here is the time if the owner on the internet site can definitely transform in a very financial gain.

One particular should in terms of possible stay away from making money in sport for the exact same crew with the same bookmaker for just a particular athletics occasion, since this can make arbitrage pretty obvious and thus bookmaker can be prompted to avoid income from remaining collected through the arbitrageur. Despite the fact that it may possibly be tempting, it is not a prudent conclusion to claim the many funds immediately after each guess. This could sort a pattern which may be detected because of the bookmakers and they're going to make initiatives to restrict the bets created through the arbitrageur in potential investing. Try to make use of debit cards when investing in athletics arbitrage, as this will assist you to to save like a great deal of cash, particularly when spending transaction fees.

Lastly, will not invest an arm and a leg. Some services will charge hundreds - even a huge number of bucks - for only a few weeks well worth of plays. You could find good quality picks for considerably much less when you glimpse in the correct place.

Source: http://www.artipot.com/articles/1358385/find-out-the-techniques-to-earn-dollars-quickly-at-sporting-activities-around-the-online.htm

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6-Year-Old 'Lawyers': Minors Face Immigration Court Without Legal ...

In yet another vivid example of the failings of the current immigration system, more and more young children who have been caught crossing the U.S.-Mexican border by themselves are being forced to fend for themselves in court, as reported in Julia Preston?s August 25 New York Times article, ?Young and Alone, and Fighting Deportation.?

Because legal counsel is not guaranteed in immigration court, many children who don?t understand multiplication, much less immigration law, are thrust into ?representing? themselves. Thus, courtroom scenarios where six-year-olds have only themselves and a social worker to rely on have become commonplace.

So far this year, more than 11,000 unaccompanied minors have faced deportation charges. Because they are recent arrivals, they are not eligible for the deferred action program?that began earlier this month. Even if they are attempting to reunite with family members in the United States, they may still be abandoned to the immigration system if others in the family are too scared to help defend them. Many children are left abandoned or cut off from their families and completely lacking in representation. ?This is why LIRS?emphasizes?family unity?in their call for?comprehensive reform?of the immigration system. ?When it is not only parents being deported away from their children, but children being deported away from their parents, our immigration system is clearly broken. ?That is why LIRS is calling for more flexibility in immigration law regarding the ability of immigration enforcement officials to keep families together.

According to the New York Times article, one 6-year-old named Lilliana ?had a hard time following the hearing, even with an interpreter.?? She ?did not understand that she had crossed an international boundary, or that she was now in the United States, or what the United States is exactly.? In another instance, a judge ?tried to put a boy at ease by asking playfully to share a bit of the child?s lunch. Thinking that he was supposed to have brought food for the judge, the boy burst into tears.?? These stories are from ?just two among many thousands of tales of unaccompanied minor immigrants.

Several organizations are trying to meet the dire need for representation for minors in immigration court, among them KIND (Kids In Need of Defense) and ProBAR (South Texas Pro Bono Asylum Representation Project). These groups provide pro bono legal assistance to such children, but the need is much greater than the help provided currently.? Both organizations have volunteer opportunities,?especially for legal professionals, posted on their websites.

If you?re not an immigration lawyer, you can still make a huge difference for young immigrants and refugees facing the trials described in the New York Times article. You can find opportunities to volunteer and advocate for immigrant?s rights on the LIRS Stand for Welcome page.

Thank you for taking a Stand for Welcome!??

Image credit: Penubag

Related posts:

Source: http://www.lirs.org/blog/immigration/6-year-old-lawyers-minors-face-immigration-court-without-legal-counsel

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Mophie readies Galaxy S III Juice Packs, coming very soon

If you thought Mophie was planning to keep its smartphone Juice Packs exclusively Apple-based -- we'd have probably agreed with you. But then we got to take a look at this pair of cases crafted for Samsung's Galaxy S III. Yep, the battery-packing cover (which looks likely to fit all the current iterations) promises to give "over double the battery life" of your un-augmented handset. This was just a brief peek -- but expect the (as-yet unpriced) cases to appear in stores around the end of October, early November.

Continue reading Mophie readies Galaxy S III Juice Packs, coming very soon

Filed under: Cellphones, Peripherals, Mobile

Mophie readies Galaxy S III Juice Packs, coming very soon originally appeared on Engadget on Fri, 31 Aug 2012 13:42:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/MORpBmdEtw8/

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Jake Gyllenhaal, Michael Pena Hit The Streets For 'End Of Watch'

Pena describes the lengths he and his movie partner went to during filming in MTV News Fall Movie Preview.
By Kevin P. Sullivan

Jake Gyllenhaal in "End of Watch"
Photo: Open Road Films

Source: http://www.mtv.com/news/articles/1692971/jake-gyllenhaal-michael-pena-end-of-watch.jhtml

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Youth Violence - Anthropology News

An Issue in Search of Anthropology

Youth violence has been a major cause of mortality, both globally and in the United States. According to a widely disseminated World Health Organization report, violence is ?one of the leading public health issues of our time? (World Report on Violence and Health, 2002), and this applies to youth violence in particular. Violence irrespective of age category is among the main causes of death for people aged 15?44 years of age, yet interpersonal violence among young adults aged 15?29 was responsible for 36.2%of that total (ibid). Recent data from the US show homicide as the second leading cause of death for young people ages 10?24 years old (CDC 2010). For African American youth, however, it is the leading cause of death; the second leading cause of death for Hispanic youth; and the third leading cause of death for Asian/Pacific Islander and American Indian/Alaska Native youth.

Consider these figures for a moment. Homicide? A leading cause of death for young people? From a human standpoint, that just does not seem to make sense.

When an inexplicable phenomenon such as youth violence is so widespread, it begs an explanation?the kind of explanation that contextualizes, frames it in terms of multiple, intersecting social forces, compared across settings. In the US, however, the inquiry into the causes and prevention of youth violence has largely been the province of law enforcement, criminology, sociology and social psychology, even though it is clearly a complex phenomenon, driven by structural, social, economic and cultural factors that shape individual agency. Where there has been ethnographic work, it tends to focus on gangs and gang-related violence, which is only part of the picture. Beyond a gang focus, ethnographic work has also, for example, described symbolic and behavioral codes (?street codes?) prevalent in violent urban environments, examined structural violence as manifested in urban contexts, described social ecologies of youth violence, and explored connections between adolescent identity development and violence in high poverty settings. But there are few anthropologists involved in the framing of causal models or practical intervention approaches.

So where are the anthropologists?

When an inexplicable phenomenon such as youth violence is so widespread, it begs an explanation?the kind of explanation that contextualizes, frames it in terms of multiple, intersecting social forces, compared across settings.

Current Social Science Approaches to Youth Violence Prevention

To illustrate the need, let?s take a very brief look at the state of the youth violence/youth violence prevention field within the social sciences, at least in the US (some of which has influenced global approaches). Current prevention models for youth violence typically overlap models for the prevention of other youth risk behavior. Most of these models are epidemiological in nature, falling under the risk and protective factor approach. This approach is based on a set of research-based, negative precursors to youth risk behavior in the domains of individual, peer, family, school and community (sometimes, a societal level) together with a smaller set of protective (positive) factors. Framed as a kind of algorithm, exposure to these risk factors is said to increase the likelihood of negative behavioral outcomes, whereas exposure to protective factors exerts the opposite effect. Therefore, reducing risk factor exposure and/or enhancing protective factors as a ?buffer? is the programmatic focus for preventing violence. There are other related approaches, including variants of this model focusing more on protective rather than risk factors, with resulting programs concentrating on enhancing protective factors and less on mitigating risk. There are also models and research that view violence as an outcome of a developmental trajectory lacking in social controls, or as an outcome of cognitive processes related to the interpretation of aggressive social cues.

While these epidemiological and developmental approaches have generated program models that have demonstrated some effectiveness within the limits of their intervention domains (eg, family, school) and with respect to specific risk factors, they have not necessarily reduced youth violence itself. It can be argued that such approaches do not adequately address the broader dynamics underlying youth violence that occur at the community, cultural or structural levels, and that they are analytically focused on targeted factors and outcomes that can be measured. Yet these broader dynamics play a significant role in the integration of multiple risk factors into an aggregated, syndemic phenomenon?a social ecology of youth violence.

Youth Violence and the Anthropological Lens

One example of a more anthropological lens applied to this issue is in recent work that gets away from the factor-based, epidemiological episteme and looks at underground street markets and other concentrated (urban) risk settings as a generative context related to youth violence (M Edberg M, P Bourgois, ?Street Markets, Adolescent Identity and Violence: A Generative Dynamic? in R Rosenfeld and M Edberg, eds, Youth Violence and Economic Conditions, forthcoming 2012). Once youth are in a marginalized or oppositional street culture setting?which may initially be the result of exposure to multiple risk factors?they are often negotiating a unique social world with its own calculus of risk, structure of social goals, and values related to behavior. That ?high risk? social world becomes the ?customary? or governing social context, in the sense of Bourdieu?s habitus and associated doxa. There, violence may have many positive and instrumental attributes. More important, violent behavior is an integral part of the setting ? not a ?risk behavior,? per se. Thus the characteristics of the context generate ongoing motivations and rationales for engaging in violence, and an incorporation of violence into the everyday. This perspective is qualitatively different from the risk exposure-behavior output model so common in social science discourse. In addition, violent behavior itself as a social practice is of course sanctioned (or admired) when in designated domains. The interplay between a behavior that is socially valued in society as a whole?at least in certain forms?and its interpolation within high-risk contexts where there are fewer behavioral options to place it in perspective, likely amplifies violence-related imperatives. These take on even more importance when considering that adolescents are also in a developmental stage that involves the construction of a self in which the elements of identity typically come from their surrounding social world.

What does this kind of anthropological lens mean in terms of preventive interventions or research agendas? Staying with the issue of adolescent development, for example, it would be highly useful to explore the dynamics of adolescent identity development and violent behavior in high risk contexts where violence is embedded in the social milieu. There are a number of other key areas where anthropological engagement could be significant. For example, research (and subsequent interventions) could productively flesh out the understanding of youth violence as a syndemic?an outcome of factors that create shared vulnerability to violence as well as substance abuse, HIV/AIDS, drug markets, and other phenomena. It would also augment the field if there were more work examining youth violence as part of culturally-shaped gender and social role development, and on the specifics of performance and the symbolic nature of youth violence in concentrated poverty settings or compared across settings. Although there has been considerable ethnographic work on gangs as noted earlier, additional work would be useful (in a global and comparative context) on gangs and gang violence in reaction to state suppression of marginalized groups, or on the often complex genealogies of gang cultures and histories. Another fruitful area would include anthropological research on connections between youth violence and media images, or potentially more unique, the role of virtual communities and the Internet on the creation of social units that support or hinder youth violence.

Addressing and understanding youth violence is not an empty field?considerable research and intervention development have already occurred. The problem is not the lack of work, but the dominance of specific disciplinary perspectives which have produced numerous results, yet left significant gaps that are inherent in the limitations and methodologies of those disciplines. Some of what is missing calls for the kind of work that anthropologists do best?adding the synthetic to the analytic.

Mark Edberg is associate professor of prevention and community health, anthropology, and international affairs at George Washington University. He has been principal investigator on a number of violence prevention efforts and has been working with UNICEF on the inclusion of a social-ecological perspective in youth and social development programs.

Source: http://www.anthropology-news.org/index.php/2012/09/01/youth-violence/

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