In October 2005, there was a stampede of people trying to file for bankruptcy relief before the new bankruptcy code went into effect. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) struck fear into the heart of debtors and bankruptcy attorneys alike. The changes were said to be sweeping including Means Testing to qualify for Chapter 7 relief, required debtor education prior to discharge and even credit counseling prior to filing for bankruptcy relief. Many individuals were misled and/or misinformed and believed that if they did not file before the deadline they would not be allowed to file later. Now five years later, those of us who work in the bankruptcy field see that most of the changes were easy to tolerate once we learned the new laws; however, some are more trouble than they have been beneficial. One serious problem with the Bankruptcy Code lies in debts that cannot be discharged.
According to 11 U.S.C. §523 , the debts that are not dischargeable through bankruptcy include but are not limited to:
- Most taxes
- Child support and alimony
- Student loans
- Debt obtained by fraud, false pretenses or a false representation
- Debt to a single creditor incurred for luxury goods or services within 90 days of filing
- For death or personal injury caused by the debtor while driving intoxicated
- Restitution payments under title 18 of the United States Code
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Other types of debts are also non-dischargeable in bankruptcy; however, the above are the most common. Typically, taxes, student loans and domestic support obligations account for the majority of debts that are not discharged through bankruptcy. Prior to 1998, student loans could be discharged through bankruptcy but Congress amended the Bankruptcy Code to make student loans that were federally secured non-dischargeable. Then with the passage of BAPCPA in 2005, student loans with private lenders were also non-dischargeable. Students graduating college are carrying heavy debt loads before they ever enter the work force in the form of student loans. These loans have high monthly payments and accrue interest during periods of deferment only increasing the amount owed under the student loans. Because they cannot afford the student loan payments, individuals begin to rob Peter to pay Paul increasing their debt with credit cards and unsecured personal loans. As their debt load increases and their income decreases or stays the same, they are forced to consider bankruptcy as an option. However, because they cannot discharge their student loans they will continue to be faced with finding the means to pay them after the bankruptcy case is completed. Many find themselves back in the same position years later with credit cards and personal loans creating an unbearable situation. Some again turn to bankruptcy (you can file again after 8 years) to rid themselves of their debt.
As with student loans, taxes are another debt that survives the bankruptcy and leaves the debtor in a position of finding a means to pay this debt. Again, many individuals will turn to credit again in an attempt to relieve themselves of this tax debt thinking they can pay the credit cards or finance companies this time. However, one serious illness or one job loss will leave them unable to pay their debts again. Perhaps instead of including taxes and student loans in the list of non-dischargeable debts individuals should pay a portion of the debt based on their assets and income. The Means Test introduced with BAPCPA caps the income level of individuals who may file for Chapter 7 relief to keep people from abusing bankruptcy discharges. However, that income level is relatively low with many people having a negative budget each month without taking into consideration a student loan or tax liability payment. By not discharging student loans or tax debts, the Congress is in effect telling these people that they do not make enough income to pay their normal living expenses but they will still be straddled with this debt even after they file for bankruptcy relief. This is counterproductive in the long term and should be re-evaluated to prevent a never-ending cycle of debt accumulation related to student loans and tax debts.
Nothing in this article is intended to be legal advice. Only an attorney can provide legal advice. Seek the counsel of an attorney before making any decisions about bankruptcy, student loans or tax debts.
Rich hippie is a cool little company that specializes in organic cosmetica perfumes. Bohemian wedding is one of their popular roll-on style of organic perfumes. They have many other tantalizing sounding scents and I have been anxious to try them.
I recently decided to treat myself to a small bottle of this perfume. Since there is nowhere near to try on this particular brand of perfume I decided to purchase on-line. The reviews suggested it was earthy and divinely scrumptious. Personally I was envisioning either something spicy and earthy or a nag champa type scent. The reviews claimed that it was an earthy exotic scent with spicy undertones. Patchouli was definitely expected in my mind.
Imagine my surprise when the scent turned out to be a dud! It actually reminds me of the smell of the bathhouses where I grew up in Lake Ontario. Which is not a compliment. The scent smells like some kind of cleaner, not perfume. It is definitely worth the price I paid ($45 for a teeny tiny 1/8 oz. bottle). The scent is not long-lasting at all and seemed to be completely dissipated within 15 minutes! The scent is not anything I would describe as “bohemian”! I am really disappointed in this scent! Though the company Rich Hippie must have good marketing because I still want to try some of the other scents! Or maybe I am just a sucker for trying new fragrances. I really wanted to like this one, but I definitely do not and I don’t recommend anyone waste their money on it either. It really was that bad! I would definitely try to find somewhere to test this product before purchasing as it may smell differently on yourself.
The ingredients of his product are listed as; extracts from organic and wildcrafted flowers, organic alcohol. The company is based out of Los Angeles, California and their website is www.rich-hippie.com
I must say I find it a hoot that there is even such a thing as “organic alcohol”. I really think I have been had by slick marketing. Or maybe I am just the victim of a bad batch? I do know that organic products are usually a bit less stable on the shelves due to the lack of preservatives and other nasty ingredients.
I also do wonder what kind of organic flowers, etc. were used to make this scent. I am very leary of companies that don’t disclose ingredients on their products. Especially beauty products that are touted as organic! What’s the big secret?
This perfume can be purchase all over the Internet from $40 for a small bottle to over $100 for the larger size. I really don’t recommend it for the reasons stated above, It is way overpriced and doesn’t even smell nice! I am a bit bummed with this purchase.
I purchased my bottle through a private seller via amazon.com and even though I received exceptional customer service I am entertaining the thought of returning this perfume if I am able. It really is that bad! I have also learned the lesson that you really need to try on perfume before purchasing it. Though this has been my first bad experience with an on-line perfume purchase. Maybe I have just gotten lucky in the past. I will definitely make sure from now on to purchase from a retailer that offers a money-back guarantee on their items as I’d hate to think I am out $45 and left with a bottle of perfume that I won’t use!
Reloading is a great way for many people to procure the right amount of ammunition as they require, whenever they want. This happens as, through this process, they can easily produce ammo by themselves without having to purchase the mass-produced ones. This method is not only cost-effective but it also gives the people full control over the type of ammo they want to make. The components, quantity, type, etc, everything can be adjusted as they require this method. If you want to know about the 3 Best Reloading Presses for Beginners in 2020, then you must know a few things.
What are the different types of reloading presses?
The different types of reloading presses are:
- Single-stage press:
During the reloading process, a single-stage press could use only one die at each stage. Therefore, working through all the casings is required at every stage, after which, the die will have to be changed for working on the next one.
- Turret press:
This press only allows you to perform one casting at one stage, however, it is different from a single-stage press as several dies keep rotating around the whole turret during the reloading procedure.
- Progressive Press:
In this press, multiple dies are held forming a circle, and a shell plate is used to keep the rounds moving from one of the dies to another.
The 3 Best Reloading Presses for Beginners in 2020 would most probably include a single-stage press due it its low level of complexity. The ease of use provided by a single-stage press plays an important role when choosing a press for a beginner. As a beginner may not be able to use a Progressive Press that effectively owing to a lack of experience, he should start with a Single-stage press.
In order for a company to attract more investors, throughout the year, several investment firms hold conferences that are open to attendance from different companies. Usually, these conferences or meetings would generally be focused on a single industry. It could be banking, information technology, telecommunications, oil and gas, industrial and so on. This is a chance for a company to present their portfolio and products to potential investors.
The event is usually hosted by several analysts from the investment firm. The companies who will join the conference would be represented by top executives such as their Chief Executive Officer and Chief Financial Officer. Unlike other conferences, the company is usually just represented by one or two executives. The investment firm, typically the one who underwrote their IPO, would be represented by the analyst who is assigned to that company.
The analyst shall start the presentation with introductions of the company, or companies, and the executives. The executives will then open up with a brief introduction about their company and what their products and services are. But most importantly, they would present their potential as a market leader in that particular industry and what they offer compared to their competition. What are their products? Does it show potential for good growth? How is this better than the others in the market?
They also have a chance to show off their balance sheets to attract more investors. This is usually presented in more detail by the CFO if he is the company representative for the particular conference. They could present their growth margins, earnings per share, recent earnings and other achievements. They could even bring visual aids such as presentation slides or videos.
After the formal presentation, they would open it up for a brief Q A; session. This is a chance for the analysts and potential investors, if they would allow it, to ask questions. This is much like the companies’ periodic earnings conference calls. However, most of the time, the analyst will be the only one asking questions. It is possible that before the conference begins, you could slip in your question to the analyst so that he/she could ask it for you, especially if it’s relevant and very important. Investment is no joke. It is something that should be taken seriously. Considering a lot of factors is really important. This will help you choose the right platform to invest in. You can look online for some helpful tips and strategies.
Company presentations usually last for about half an hour and could take longer or shorter, depending on the number of companies, the presentation itself and the number of questions. Looking at it from a different point of view, this is much like a job interview where the company is the applicant and the investors are the employers. They have to put their best foot forward to attract and ultimately, bring in more capital to the company. And remember, sometimes, due to the number of companies that are presenting, each company may only be given just a few minutes to present.
Nevertheless, if you’re an investor and you’re looking for a company where you could potentially invest your money, and hopefully grow it amidst the risks and uncertainties, this is a great avenue to know the different companies in the industry that you choose. Just remember, there is always a potential for growth or loss.
- Written by: Isabel Eanes
- Category: E-Commerce, Guide, Money, Online, Online Shopping, Shopping
- Published: July 7, 2020
The worldwide market is familiar with the increase in eCommerce. A massive number of individuals are using the web for purchasing products and services. The accessibility of the web has provided customer-oriented marketed to several areas. Ecommerce has become a way of life of website owners to satisfy the necessities of customers. Most businesses with eCommerce presence are using the eCommerce platform and store to conduct online marketing and sales activities to supervise logistics. Online shopping is expanding at a rapid race according to my reviews 2020 and isn’t getting down any further.
Reasons why online shopping is expanding
- Comparison of shopping
People are attracted because of comparison shopping as they can compare the products and prices of dozens of stores at once. They don’t need to travel from one store to another to buy different categories of products. They can easily search for the reviews; compare the price, quality, and customer service.
- Wider selection
Traditional stores don’t offer a wider selection for products or services, whereas buyers are attracted to online shopping as they find a wide selection. You can check different websites for a single product or get a wide variety of products on a single website. There are various options for colors, sizes, designs, and prices to choose from.
- Future of Ecommerce
The ever-changing landscape of eCommerce is exciting and scary at the same time. The changes help the businesses to grow and accept new challenges. There are ups and downs every year in the market, but the eCommerce market tends to expand bigger and brighter every time. The trends keep on shifting to shape them in the way that people around the globe purchase the products online. The emerging markets play a great role in boosting up the eCommerce.
Lima, Ohio, which is where I originally hail from, always has been devoid of coffeehouses like one would expect to find in larger cities (or rather, in cities with more of an emphasis on culture and the like). However, for the past year, Lima, Ohio has been home to one of the homiest and comfortable coffee houses around with an extensive menu and genuinely positive and inviting atmosphere. วิธีเลือกเครื่องบดกาแฟ is the key here, as they are offering a complete package for its visitor with coffee and a calm ambiance.
It is called The Meeting Place on Market and is a pleasant break from the fast-food chains that dominate the rest of this once beautiful and historic town. Aside from their general atmosphere, The Meeting Place on Market has an amazing selection of unique and interesting dishes, fabulous prices (especially to those of us urbanites who are used to Starbucks’ fares) as well as what seems like a real interest to provide the denizens of Lima, Ohio with somewhere to go to drink coffee, chat about art and politics, listen to music, and get a daily dose of culture and companionship. While it’s difficult for me to get into the décor on any level since it looks like my grandma decorated the place, the positives outweigh any lack of sophistication in terms of the style of the place.
My three favorite things about The Meeting Place on Market in Lima, Ohio are (in order) the food, the coffee and unique coffee drinks they make, and the arts and other events they host. The food at The Meeting Place on Market isn’t always perfect in terms of its preparation or balance of ingredients all the time (consistency is a thing with me) but there is always something new and interesting to try (and in Lima, Ohio, finding “interesting and new” things to try is something that doesn’t seem to go over very well with most of the population). My favorite dishes at The Meeting Place on Market in Lima, Ohio include (again, in order) the Buffalo Chicken Pizza, which is just spicy enough to kill your stomach if you decide on an espresso afterward, and the Orient Express Salad, which is perfect on a hot summer day. All of their wraps are good, although a little bland and in need of an extra kick again, for Lima, Ohio, this stuff is as good as you’re going to get. I am a big fan of their coffee, even if it’s just their regular house blend and am also rather in love with the frozen mocha. One of the best things about the Meeting Place on Market in Lima, Ohio though is the fact that finally, there is a place where people can gather over the works of local artists. The gallery section is a great spot to discover that yes, there really are creative people in Lima, Ohio and their meeting room (which I used once with a group of my newspaper folk) was very nice and comfortable although sparsely decorated and a little like… well, a meeting room in an office aside from the scant kitschy decorations.
One of the best things about The Meeting Place on Market in Lima, Ohio, at least for out-of-towners like me is that there is free wireless internet that always seems reliable. It is close to the downtown convention center and is within walking distance of many of the important spots in downtown Lima, Ohio including Saint Rita’s hospital, the Lima Public Library, the Allen County Museum, and ArtSpace (the one real gallery the city boasts). Until the Meeting Place on Market in Lima, Ohio opened last year, I never had anywhere to go in town that I felt comfortable sitting with my laptop and working or just drinking coffee and staring at the walls or people going by. Finally, thanks to the arrival of The Meeting Place on Market, I can get all of these things and can actually get up for a bit and stroll down historic (albeit slightly decayed) Market Street in downtown Lima, Ohio and check out the grand old houses and stop by the library for the heck of it. I was rather shocked that The Meeting Place on Market wasn’t very busy any of the times I’d gone in there, aside from a few business-types, a few old women chatting over lunch, and giggling students in a corner. It is almost as though Lima, Ohio finally has something worth getting excited about but everyone in town is so used to hanging out at the crappy mall or McDonald’s that they’re afraid to try something new. Oh well, more space and more free and open plugs for my laptop, right?
The Meeting Place on Market in Lima, Ohio can be found at 220 West Market Street. They open early every weekday and around 9 on the weekends. One of the drawbacks of the Meeting Place on Market in Lima, Ohio is that they close so early on the weeknights. I wish they stayed open later than 8 p.m. since that’s when it would be a good time for it to get a little busier, thus encouraging more people to come and hang out for the company as opposed to just the coffee and food.
It appears the organic craze isn’t just to produce anymore. The world of Organic Search Engine Optimization is on the rise as you have Fresno SEO providing you with the best SEO content. Organic, the future is!
What exactly is Organic Search Engine Optimization?
The simple one-liner is, letting the content of your website carry the heavy burden of link building.
This content can be anything from your product sites, to blogs, to articles.
Organic SEO is a more comprehensive approach to inexpensive web marketing and link building. Your article must be of some relevance. Meaning that you must speak to your audience – they are your niche market, this is your base. Keywords, your content must have!
The keys to a successful Organic SEO regimen are keyword-rich content and your author’s resource box. You may have noticed that the words Organic and SEO appear more than once in this article. Those are the keywords that I want to exploit. And why not, search engines have a love affair with keyword-rich content.
By creating keyword-rich content for your websites, blogs, ezines, newsletters, and articles, you lay the solid foundation for building obscene amounts of traffic and inbound links. Again search engines love great content. That and the fact that you are helping other webmasters who are in dire need of fresh content.
Just as important is that resource box. This is truly your lifeline. With this simple test, you can start building one-way links back to your web site. Below is a sample resource box to use as a template. About the author: Put a brief intro about you, your site, and the product here. Copyright 20XX Your name. This article may be freely distributed provided this resource box stays attached. Research, you must!
Before you get started in writing keyword-rich content, you must know what keywords are best to use. I have seen lots of ads for keyword generation, and I don’t like them. I did stumble upon nichebot.com and I love it. Maybe it is because I’m a convenience freak, but I believe niche bot is a perfect starting point for your keyword research. It gives you the scoop on the number of times the search phrase appeared in a particular database, number of pages listed on google with any or all of the keyword phrases, number of pages listed on google with the exact keyword phrase. Written, the article is!
Now that you have written your article you need to start the distribution process. The best place to do that is at an article directory site. Article Alley, Article Loft, and iSnare are all good places to start. These article directories serve you not only by hosting your article for distribution, but they also provide a better-targeted visitor to your site.
Your task is to sign up and post your article on at least four or five of these directories. Good articles quickly spread on the internet. You will have put yourself and your site in a good position to benefit from such proliferation. Your efforts will not go unrewarded. Many of the search engines will push your ranking higher because of the widespread use of one-way links to your site.
I’ve stated before that this is a regimen. You need to set a goal of submitting at least an article a week. Surely there is something that you wish to point out about your product or site. There are other things that you need to consider adding to your Organic SEO efforts. Blogging and RSS feeds are two additional ways to increase your site’s visibility and links. I’ll leave those topics for a later discussion.
Good luck to you on your article writing.
Many people are looking for ways to make an additional income. Whether it is for helping out with the everyday expenses or saving up for a nice vacation, having an extra income coming in has become commonplace in today’s society. The internet is a good place to start looking and a convenient way to work. They are many options available when looking for work online such as the credible Evergreen Wealth Formula.
Find jobs online that are similar to your everyday job. Only recommended for those that love what they do. This may take some time to find one right for you but there are many options for the secretarial types of jobs, data entry, and customer service. Some requirements will include working a set time each day, telephone work, and additional software for your computer.
Reading emails and ads. This option can flood your inbox with emails and junk mails. Views or clicks will only pay but pennies, there are quite a few sites out there to join and could add up. Making an additional income online this way may not make the difference that you are hoping for but a little is better than nothing.
Let your opinion count. There are sites and companies that offer incentives to those that take the time to complete surveys. This can end up being time-consuming and does require vast amounts of reading. Making an extra income online with this option will take some trial and error and especially patience because you will not qualify for every survey.
For those that enjoy writing, there are plenty of options to make an extra income online. Many sites pay for well-written articles. Some sites will pay according to how many times your content gets viewed while others will pay you a one time fee for the exclusive rights to the article. There is definitely potential to make a significant income online when writing articles.
Affiliate marketing can also be a good way to make additional income online. Companies pay out commissions to those that refer others to their products or services. Some can pay you for just referring others but most only pay when they make a sale through you. The possibilities are endless with this option.
Starting a business is an excellent way to make an additional income online. Just as any business, this can be time-consuming but definitely the most rewarding. The internet has made it possible for many businesses to find customers all over the world. Startup and overhead costs will vary with each opportunity but many can be started under $500 and some for $50. Business ownership has its advantages and should definitely be considered if you want to want to quit your day job.
When researching any of the above-mentioned options, do the research. Many sites and forums focus on helping others find an option that is right for them. I recommend http://www.wahm.com when considering ways to earn extra income online.
The summers knocked on the doors of our lives in mid-April as always and have reached peak form now in June but there is more to it than just another season this time as it also brought along the corona virus pandemic for a change, which has not gone down well as the death toll keeps mounting.
It is not to say that the summer heat is the cause of Covid-19 but just that blame it on China for spreading this deadly virus to the rest of the globe and the situation has gone from bad to worse in the past few months.
Coming back to the topic, this summer, aside from the corona virus, has been its usual hot and fiery self and the garden too is in its worst phase where the plants and flowers are getting dried up which is why a solution needs to be worked out.
People who have an expertise in gardening know the importance of an air hose reel in their backyard and how it is used to water the green plants and flowers on a regular basis in order to prevent them from wilting into oblivion.
The hose is always kept wrapped up but it is difficult to unwrap it and it depends on the weight and size so let us now look at some of the best models to have come out in 2020.
- Hoselink Retraceable-
It is easy on the eyes as it does not have color to distract you from the model and is quite smooth to hold with a year warranty
- Ames Estate-
It has a strong steel frame that can withstand almost anything and comes with a 3 year warranty
Suncast Powerwind- It can hold up to nearly 110ft of hose with a 10 year warranty and a 20 volt rechargeable battery that you can get at an affordable price at https://mygaragetool.com/best-air-hose-reels-reviews/