Useful Tips In Personal Bankruptcy You Need To Know | Siben ...

TIP! Don?t put off handling the research or procedures for the bankruptcy process if that is the route you?re taking. It can be difficult to ask for help, but as you wait, you accrue more debt.

There is no one that goes through life expecting to experience bankruptcy. Sometimes there is simply no viable alternative in a given financial situation. This is when it?s important to understand the basics of bankruptcy. If you get yourself in this type of situation, you will surely find the information in this article very helpful.

TIP! You should be able to meet with a specialized lawyer for free to ask your questions. Most lawyers offer free consultations, so consult with a few before settling on one.

Before you make the final decision to file bankruptcy, consider the other options you have. Perhaps credit counseling can resolve your issues. There are a number of companies that will assist you, many of which are non-profit. They can help you to lower both your debts and interest owed to creditors. You?ll make your payments to the company, and the company will pay off your creditors.

TIP! When you file for bankruptcy, it doesn?t mean that you will lose your assets. When you file for bankruptcy, you are allowed to keep personal property.

Don?t leave your lawyer completely in charge. Your attorney is a professional who knows about laws regarding bankruptcy, but you should still know as much as you can about the proceedings. It is vital to stay as involved as possible while filing for bankruptcy, after all it is your financial future.

TIP! Be honest when filing for bankruptcy. Don?t hide liabilities or assets, as they?ll come back and haunt you.

Many people who have filed for bankruptcy, resolve to never use credit or credit cards again. Since using credit responsibly is the only way to improve your credit score, this is not such a good idea. Without using credit cards or other forms of credit, it is nearly impossible to rebuild your credit worthiness. You can rebuild your credit slowly, beginning with just one credit card.

TIP! Even if you are involved with Chapter 13 bankruptcy, it is still possible to get a mortgage or an automobile loan. But, it could be harder.

Be certain you understand all you can about bankruptcy by researching reputable sites that offer good information. The United States Run a quick Internet search to find out all the different agencies you should be contacting or visiting via the web to find out what you can. The more knowledge you have, the more you are able to make right decisions and find a new future.

TIP! Do not delay in filing your personal bankruptcy case. If you come to the conclusion that you must file for personal bankruptcy, go ahead.

Learn the differences between Chapter 7 and Chapter 13 bankruptcies. In Chapter 7 most of your outstanding accounts will essentially be erased. This type of bankruptcy ends any relationship you might have with creditors. If you file for Chapter 13 bankruptcy, however, you will enter into a 60 month repayment plan before your debts are completely dissolved. Both options have advantages and drawbacks, so do your research before deciding.

TIP! Don?t give up. Once bankruptcy has been filed, you may be able to regain possession of items such as electronic goods or cars that were taken away from you.

There are lawyers who maintain a telephone service meant to field calls from creditors attempting to contact debtors who have filed for bankruptcy. You can just give them the number and they can call for confirmation that your debt is indeed part of a bankruptcy. If everything checks out, the call center should then update their records to show that you no longer owe any money to that company.

TIP! Learn the differences between Chapter 7 bankruptcy and Chapter 13 bankruptcy. Weigh all the information you can find on- and off-line to make an educated decision.

Before you file, make sure you understand the laws as much as possible. For instance, for 365 days before filing, no one is able to receive assets from the filer. Also, you can?t go and max out your credit card just because you are about to file for bankruptcy.

TIP! After filing for bankruptcy, you may have difficulty getting approved for unsecured credit. If this happens, instead you should turn your attention to secured credit cards.

Never take huge cash advances directly from your credit cards before you file for bankruptcy, since you know that all debts will be erased from these cards. This is fraud, and you will be required to pay that money back.

TIP! You will be in touch with creditors before declaring bankruptcy. Be sure to ask for written documents detailing any agreements you make.

If you plan on filing for bankruptcy, never transfer your assets to another person within one year of filing. This is a blatant attempt to hide assets and may result in your filing from being dismissed. Certain assets might actually be exempt and out of the reach of creditors, anyhow. Regardless, hiding assets in this manner is never acceptable, so make sure to wait to file if you have recently transferred any assets.

TIP! Don?t automatically assume that bankruptcy is your only option. Consult with a bankruptcy attorney to see if an interest rate reduction or debt repayment plan is an alternative to filing for bankruptcy.

Once you determine that claiming personal bankruptcy is something that you must do, you will need all the advice that you can get. It will be easier to do this if you gather as much information as possible. Now that you have read the advice shared here with you, you can move forward on the right financial path for you

Source: http://www.sibensiben.com/long-island-injury-lawyer-blog/long-island-bankruptcy-lawyer/useful-tips-in-personal-bankruptcy-you-need-to-know-7

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For Paul Ryan, a Packed Day of Pumpkins, Goats, Spices, and Fundraising, But No Debate Talk, at Least With Reporters

KENOSHA, Wis. - After three full days of debate prep in Virginia, Paul Ryan had a packed day, but his debate against Joe Biden and the intense preparations from this week were not what he wanted to talk about.

Instead, he wanted to talk pumpkins.

At the Apple Holler pumpkin patch in Sturtevant, the GOP vice presidential nominee, his wife Janna, and their three children came to pick pumpkins, but the reporters trailing him wanted to know about his face off against Joe Biden Thursday.

One reporter asked if he was "excited" about the impending debate.

"I'm excited about picking pumpkins," Ryan said.

Another asked how he was feeling about it, the debate that is, but he didn't answer instead joking, "What debate?" and "Oh yeah! I'd better get ready for that."

Another reporter tried as well, asking how his prep was going.

Dressed in a red and gray jacket, Ryan turned around to face the cameras and laughed, "You know I'd better get started. You just reminded me. No, it's going well."

And then he was off to the pumpkin patch, with a mass of reporters, cameras, and secret service agents in toe, trailing the Ryans as they engaged in the family ritual of picking out pumpkins.

Ryan dragged his youngest children Sam and Charlie in a red wagon to the pumpkin patch where they picked out four of the largest in their area of the patch. Charlie, 9, was the most serious of the group, not wanting to make a hasty decision when it came to his pumpkin.

"I'm just going to check and see if there are any better ones," he told his parents.

Ryan said they carve the pumpkins - which weighed 49, 37, 35, and 34 pounds - free-hand with a marker and a kitchen knife, but Janna Ryan said the activity of carving such large pumpkins is "all Paul," noting with a smile that he is both "ambitious" and "serious" about the activity. The pumpkins came to $91.45.

The crowd was mostly excited to see Ryan, whose congressional district included the patch, trying to shake his hand and take his picture, though one small child could be heard shouting, "Is that Obama?"

The family also made caramel apples, with Ryan showing his children how to make the perfect treat.

Next up was the petting zoo where the Ryans fed the goats. He told his kids that their mom, who grew up in Oklahoma, "used to have goats."

That's when the topic of the impending debate came up one more time. When asked to contrast the goat feeding with the quite different debate prep, Ryan quipped, "It feels like the same."

The large crowd of family, reporters, and secret service agents left the patch climbing into vans for the Ryans' next stop: Tenuta's Deli in Kenosha, home of the best Italian sausage, according to the Wisconsin congressman.

Ryan said he wanted to pick up spices for the venison sausage he intends to make after the election. Asked if sausage making is like making laws in Congress he said, "it's very similar actually," with a laugh.

"Everybody says that, but no, so I buy my spices here every year for my venison sausages," Ryan answered.

Ryan said the secret to venison sausage is the deli's famous spices and of course the venison he hunts, noting he does "all the butchering" himself.

"I grind it up and I make sausage out of it," Ryan said. "I've been doing it for - since I was in my 20s."

He said this year he will bring his 10-year-old daughter Liza with him for the very first time.

"What I do is I grind up my venison and I use these spices to make sausage so I'm going to make brats, I make Italian sausage, and I always buy something different every year to make," Ryan said to the crowd of reporters standing at both ends of the supermarket aisle.

Earlier in the day he attended a fundraiser across the Wisconsin-Illinois border in the president's hometown of Chicago. Despite being in his opponent's hometown, Ryan actually praised the president's former chief of staff and now mayor of Chicago, Rahm Emanuel.

"We were proud - and I don't say this a lot - but we were proud to stand with Rahm Emanuel when he took on the teachers union at the beginning of that fight," Ryan told the crowd of 260 attendees who paid between $2,500 up to $25,000 to attend. "Too many people were silent on this."

He was introduced by his friend, Illinois Rep. Aaron Schock, who said the event "hit a record" for Illinois state fundraising for the party this election cycle. He noted that Ryan has described himself as a "beer drinking, cheese curd eating, bow hunting Green Bay Packers fan. And in Chicago, we're willing to give him three of those four vices." He called his friend a "man's man and a congressman's congressman."

The Illinois finance chairman for Romney-Ryan, Muneer Satter, added a few more words after Ryan, trying to squeeze a few more dollars out of the crowd, just one month from election day. Satter told supporters that McCain had raised money at end of campaign, but by then Obama had already bought much of the TV time.

"We're going to afterburners, we need fuel. You have been generous. We need more money for the swing states and we need it now. Please, please bring a friend on board, help us in the swing states," Satter said.

Ryan's final stop of the day was the Italian American Society annual Columbus Day Dinner here at the Italian American Club. According to his spokesperson he has attended every year since he was elected to congress fourteen years ago, but one.

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Source: http://news.yahoo.com/paul-ryan-packed-day-pumpkins-goats-spices-fundraising-012953281--abc-news-politics.html

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Rothko mural defaced at London's Tate Modern

LONDON (AP) ? A vandal scrawled graffiti on a mural by modern American master Mark Rothko at London's Tate Modern on Sunday.

The mural, one of Rothko's Seagram series, was defaced when a visitor to the Tate applied "a small area of black paint with a brush to the painting," the gallery said.

A photograph posted on Twitter by a gallery visitor showed words, including the name Vladimir, scrawled in the corner of the painting. The gallery, which attracts 5 million visitors a year, was briefly closed Sunday after the incident.

Tate Modern said police were investigating.

The graffiti on the painting also appears to read "a potential piece of yellowism." According to an online manifesto, Yellowism is an artistic movement run by two people named Vladimir Umanets and Marcin Lodyga.

This is not the first time an artwork at Tate Modern has been interfered with. In 2000, two Chinese performance artists attempted to urinate on Marcel Duchamp's urinal sculpture "Fountain."

Rothko, who died in 1970, is renowned for his large abstract paintings featuring bold blocks of color. The defaced painting was one of a series intended to decorate the Four Seasons restaurant in New York. Rothko changed his mind about the commission and gave the works to galleries, including the Tate.

Earlier this year, Rothko's "Orange, Red, Yellow" sold for almost $87 million at auction in New York.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2012-10-07-Britain-Rothko%20Defaced/id-4d1fdf8f0e4249259b2536febbcf9f9e

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My irrational exuberance (Unqualified Offerings)

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Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/253670881?client_source=feed&format=rss

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Kim Kardashian Wants to Get Married on an Island

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Kim Kardashian isn?t divorced from Kris Humphries yet but she?s already thinking about her next wedding.

Kardashian denied her wedding to Humphries was over the top because of ratings and insisted that she just likes to be over the top because of her personality.

?It had always been my dream to have a big wedding, and when people said that I?d made it over the top for the show, that was just me: I am over the top,? she told Tatler magazine.

But after the fiasco that was her wedding to Humphries, Kardashian wants to be more low-key for her next wedding. ?But the next time, I want to do it on an island with just my friends and family and that?s it.?

She also denied claims that she only married Kris Humphries for ratings and that the relationship itself wasn?t real. ?I mean, that is just not the person I am. Who would honestly get married for ratings? It?s not like the ratings had dropped and we needed a boost,? she quipped. ?Never mind other people?s emotions?who would mess with their own emotions in that way? And for me to do it and have it not work out was the most embarrassing thing. It was risking ruining my career.?

The reality television starlet also admitted that she was embarrassed by the way she approached relationships in her past. ?When I look back at interviews I gave [about previous boyfriends] saying, ?We?re talking about marriage, etc.? It?s embarrassing. And I really believed it at the time!? she continued. ?I?m such a hopeless romantic that I?ll always believe the next one is the one.?

Despite her rocky past relationships, she is extremely happy with her new one. ?It?s so nice to have a best friend in this game who understands everything you?re going through. Being with someone I?ve known for so many years is comforting. He?s been there through so many different stages of my life and before I was famous, so this relationship is a different thing entirely,? she said about her relationship with Kanye West. ?It?s good to be aware that he definitely doesn?t want anything from me too, because he understands the business. I can?t even think about being with anyone else than the man I?m with.?

Source: http://atlantablackstar.com/2012/10/07/kim-kardashian-wants-to-get-married-on-an-island/

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Romney to give foreign policy speech, looking to turn back criticism

LEXINGTON, Va. - Mitt Romney plans to deliver a foreign policy speech today in which he will try to reverse some of his perceived missteps, most notably his highly criticized response to the terrorist attack in Libya, as the Republican GOP candidate looks to bolster his foreign affair credentials in the weeks remaining before the election.

The Romney campaign will use the remarks to strengthen their criticism of the Obama administration's response to last month's terrorist attacks in Libya, hoping to capitalize on what they believe to be a mishandling by the administration to accurately pinpoint the reason for the attacks or to have prevented them in the first place.

"The attacks on America last month should not be seen as random acts," Romney will say, according to excerpts released by the campaign. "They are expressions of a larger struggle that is playing out across the broader Middle East - a region that is now in the midst of the most profound upheaval in a century. And the fault lines of this struggle can be seen clearly in Benghazi itself.

"The attack on our Consulate in Benghazi on Sept. 11, 2012, was likely the work of the same forces that attacked our homeland on Sept. 11, 2001," Romney is expected to say. "This latest assault cannot be blamed on a reprehensible video insulting Islam, despite the Administration's attempts to convince us of that for so long.

"No, as the Administration has finally conceded, these attacks were the deliberate work of terrorists who use violence to impose their dark ideology on others, especially women and girls; who are fighting to control much of the Middle East today; and who seek to wage perpetual war on the West," Romney will say, according to the prepared remarks.

It was nine days after the attack on the U.S. consulate in Benghazi, one that killed four Americans, including U.S. Ambassador Chris Stevens, when White House Press Secretary Jay Carney confirmed that the White House believed the attack to be an act of terrorism. The White House had initially suggested that the attack broke out after an anti-Islam film went viral, sparking a round of global protests.

The evening the attack was reported, Romney drew criticism after he accused the Obama administration of "sympathizing" with the attackers before all the details of the attacks were known. It was not yet confirmed at the time that Stevens had been killed. Romney, as well as his running mate Rep. Paul Ryan, began receiving customary intelligence briefings organized by the Obama administration shortly thereafter, and Romney has so far been briefed twice.

Romney advisers say that today will be a chance for Romney to "fill in more details" with respect to his own plan, in Libya and beyond. The speech, to be delivered at the Virginia Military Institute, comes just a week before the next presidential debate, which will focus partially on foreign affairs, and two weeks before the final debate, which will focus entirely on the subject.

"We've seen the fruits of four years of President Obama's foreign policy and I think, particularly in light of recent events, Americans have questions about it and want to see what Governor Romney would offer," Romney's foreign and legal policy adviser Alex Wong said in a briefing call with reporters over the weekend. "So it's a moment for Governor Romney to speak about that, to offer that bold choice and to show really that American security and the cause of freedom can't afford four more years like the last four years."

In addition to the attack on Libya, Romney is expected to address the situation in the Middle East on a whole, saying that it is time to "change course" in the region.

"I know the President hopes for a safer, freer, and a more prosperous Middle East allied with the United States," Romney will say. "I share this hope. But hope is not a strategy. We cannot support our friends and defeat our enemies in the Middle East when our words are not backed up by deeds, when our defense spending is being arbitrarily and deeply cut, when we have no trade agenda to speak of, and the perception of our strategy is not one of partnership, but of passivity."

The excerpts indicate that Romney will also touch on furthering the sanctions placed on Iran to prevent the country from acquiring nuclear weapons, and will support sending more aid to Syria to support the uprising against President Assad. Romney will renew his call for U.S. troop withdrawal in Afghanistan to be completed by the end of 2014.

And while Romney cast doubt on the ability to establish a two-state solution between Palestine and Israel in a surreptitiously filmed video shot at a fundraiser earlier this year, in which he called such a scenario "unthinkable," Romney will say here today that he will "recommit America to the goal of a democratic, prosperous Palestinian state living side by side in peace and security with the Jewish state of Israel."

Romney had remained hopeful in the fundraising video, saying later in the clip that he believed American strength would help Palestine "someday reach a point where they want peace."

In a statement preempting the candidate's speech, Obama campaign spokeswoman Lis Smith said all Romney has offered thus far on foreign policy is "bluster and platitudes."

"If Mitt Romney wants to have a debate about foreign policy, we have a message for him: bring it on," Smith said in a statement, going on to accuse him of "erratically" shifting positions on "every major foreign policy."

And in a scathing comment aboard Air Force One on Sunday, Obama's traveling press secretary Jen Psaki doubted Romney's foreign policy competency all together.

"We're not going to be lectured by someone who has been an unmitigated disaster on foreign policy every time he's dipped his toe in the foreign policy waters," she said. "Just as a refresher, this is the same guy who, when he went overseas on his trip, the only person who has offended Europe more is probably Chevy Chase. And that was a trip that was built up."

ABC News' Mary Bruce contributed to this report.

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Source: http://news.yahoo.com/romney-deliver-foreign-policy-speech-looking-turn-back-040129032--abc-news-politics.html

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