Surviving Your Bankruptcy: Helpful Tips And Advice | Tustin - Santa ...

November 11, 2012

Filed under: Bankruptcy ? admin @ 8:05 pm

Sometimes, life deals you a bad hand. One thing leads to another and you wind up having to declare bankruptcy, in order to protect yourself and your family. Even if you have lost this round, bankruptcy proceedings can give you a chance to stack the deck in your favor for your next round. But you need to be familiar with the options available to you. A highly qualified bankruptcy attorney is a must.

Chapter 7

Know that calls and letters from your creditors will stop after you declare bankruptcy. Whether you file Chapter 7 or Chapter 13, the people to whom you owe debts are forbidden from harassing you about your debt. If you receive a lot of collection calls, freeing yourself from this constant contact can be a huge relief.

Once you determined that you want to file for bankruptcy, it is important that you figure out which type is best for you to file.? Of course your attorney will guide you through this process. For instance, with Chapter 7 most of your debts will be relieved, and you can keep certain property. With Chapter 13 your debt gets restructured, and you are given a certain amount of time to pay it off.

Familiarize yourself with the requirements for different types of personal bankruptcy so you can decide which type is most appropriate for you. Chapter 7 bankruptcy offers low-income debtors the ability to liquidate their assets to repay debts. Chapter 13 requires you to have a steady source of income so that you can repay debts over time.

Bankruptcy will not harm you for the rest of your life. Just because you have gone times, does not mean that there is no sign for hope. Now that you know how to live a better life while you get through your bankruptcy, you can focus on rebuilding your finances and your credit history.

Source: http://www.redhilllawgroup.com/blog/2012/11/surviving-your-bankruptcy-helpful-tips-and-advice/

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Holiday In Australia By Campervan : Travel and Leisure

A campervan holiday is always a terrific way to discover parts of Australia. While the East coast is home to some truly beautiful sights and cities, if you venture down to the South of Australia, you will find some truly amazing places that are yet to be ruined by the crowds and progress that tourism brings.

One of these places is Whyalla, which is the largest city in the Higher Spencer Gulf Area of Western Australia. Its location on the Western foreshores makes it an ideal place for cheap campervan hire australia, as its close to a large range of attractions and natural miracles. While the city is relatively little, it is packed to bursting point with fun and adventurous things worth doing. It?s also easily accessible from Adelaide, located less than 400 kilometres away. Basically this means that you can pick up your campervan from the leading city and then make a day of it as you travel over some of the nations most unique landscapes.

Whyalla is extremely considered to be the place where ?the outback meets the sea?. Not that many would deny this title because as fast as you arrive in town, you cannot help but spot the untouched outback landscape and the enormous coastline scenic perspectives which encapsulate the essence of the city. Whyalla really is a perfect vacation spot, as it is not only gorgeous, but also rich in culture and heritage; a location where the neighbors will lead you to feel right at home.

The very first thing you need to possibly do when you get into city is find a place to remain (if you haven?t already prepared in advance). Preferred caravan parks in the Whyalla region include the Foreshore Caravan Park and Whyalla Caravan Park. Both these parks offer cosy accommodation that will meet the every need of you and your campervan. They?re also acceptable to pretty much any budget and the great news is that you can enjoy beach front perspectives, right from your terribly window.

There?s a surplus of local activities available for all the family to enjoy. The beaches, particularly the new Foreshore area, offer safe swimming and fishing, together with fantastic BBQ and playground facilities. Alternatively, take a relaxed walk along one of the numerous walking tracks, found along the coastline. The Flinders and Freycinet Lookout boasts spectacular perspectives of the Upper Spencer Gulf, Southern Flinders Range and Middleback Range in the West.

As you drive your campervan hire along the Northerly Coastline of Whyalla, you may come across Fitzgerald Bay. This spotless bay offers electrifying perspectives of the Blue Gulf Waters and the Southern Flinders Range, so be certain to have your camera available. While driving along the coast you will additionally notice the Shingle Beach Ridges, a geographical phenomenon of stone ridge synthetic obstructions.

Driving your campervan around Australia will open your eyes to the beauty that is so outstanding here. The natural wonders that surround you?ll leave you spell-bound in shock. Whyalla is a very wonderful place that should definitely be visited if you are in Australia?s southern state. You won?t be disappointed!

John Wright?s works are in books, articles and websites all around the world. Read more: cvlick here or campervan hire melbourne

Source: http://www.theyellowads.com/travel_leisure/holiday-in-australia-by-campervan

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On marriage. - What a Hoot!

Today is our 20th wedding anniversary. Isn't it only our parents who have been married that long? I can't believe we have reached that milestone - and so quickly. Where do the years go??

I have had reason to think a lot about relationships and marriage lately as some relationships that we thought were rock solid have not survived, and it really does make you have a fresh look at your own situation, and realize that you can't just take your relationship for granted. It never hurts along the way to remember this again and to value what you have.?

I am so thankful to have spent these last 20 years married to Bruce, someone who always makes me laugh, who I still have fun with, who I still look forward to seeing at the end of the day. ?Here's to the next 20.

(image via Pinterest)?

Source: http://whatahoot.typepad.com/what-a-hoot/2012/11/on-marriage.html

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Former Swiss banker pleads guilty in U.S. tax probe

WEST PALM BEACH, Florida (Reuters) - A former Swiss banker pleaded guilty on Tuesday to helping Americans hide millions of dollars from U.S. tax authorities, and a judge noted the banker has aided investigators in a broad U.S. probe of tax evasion that has put Swiss banks on the defensive.

Christos Bagios, formerly employed by Swiss financial giants UBS AG and Credit Suisse Group AG, changed his earlier plea from not guilty in the U.S. District Court for Southern Florida. The change of plea had been expected.

A Greek citizen and Swiss resident, Bagios was sentenced by Judge Kenneth Marra to time already served, including 37 days in prison and nearly 19 months under house arrest in Miami.

In a sign that Swiss banks may come under further pressure, the judge cited the former banker's "substantial" assistance in a broad federal probe by the U.S. Department of Justice of Swiss and Swiss-style banks.

Matthew Menchel, a lawyer for Bagios, described his client as "relieved."

Bagios, 47, worked at UBS from 1999 to 2005. He was a senior banker at Credit Suisse when he was arrested in New York in January 2011. He was later charged with helping 150 Americans hide up to $500 million during his time at UBS.

Switzerland's long tradition of banking secrecy has been under pressure for some time from the United States and other countries. Burdened by deficits and debt, many countries are trying to collect more taxes from well-to-do citizens.

A broad inquiry by U.S. authorities into tax evasion services rendered to Americans by Swiss financial institutions has been under way for years. At least 11 banks are under investigation, and dozens of Swiss bankers and American clients have been indicted on tax evasion charges.

Last month, Bagios pleaded not guilty. But at the same time, he arranged for a change-of-plea hearing, leading some tax lawyers tracking his case to speculate that he was cooperating with U.S. officials in the probe of Swiss banks.

Bagios had faced up to five years in prison as well as a $250,000 fine.

Credit Suisse, Switzerland's second-largest bank, disclosed last year it was being investigated by the Justice Department. The investigation intensified after UBS, the largest Swiss bank, paid $780 million to settle charges by the U.S. government.

Other banks under investigation include Zurich-based Julius Baer and some Swiss cantonal, or regional, banks along with UK-based HSBC Holdings and three Israeli banks, Hapoalim, Mizrahi-Tefahot Bank Ltd and Bank Leumi. In February, Wegelin, Switzerland's oldest private bank, was indicted. [ID:nL2E8D2NV5] (Reporting by Kevin Gray in West Palm Beach, Florida, and Lynnley Browning in Connecticut; Editing by Kevin Drawbaugh, Howard Goller and Tim Dobbyn)

Source: http://news.yahoo.com/former-swiss-banker-pleads-guilty-u-tax-probe-164530508--finance.html

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Massive volcanic eruption puts past climate and people in perspective

Monday, November 5, 2012

The largest volcanic eruption on Earth in the past millions of years took place in Indonesia 74,000 years ago and researchers from the Niels Bohr Institute can now link the colossal eruption with the global climate and the effects on early humans. The results are published in the scientific journal Climate of the Past.

The volcano Toba is located in Indonesia on the island Sumatra, which lies close to the equator. The colossal eruption, which occurred 74,000 years ago, left a crater that is about 50 km wide. Expelled with the eruption was 2,500 cubic kilometers of lava ? equivalent to double the volume of Mount Everest. The eruption was 5,000 times larger than the Mount St. Helens eruption in 1980 in the United States. Toba is the largest volcanic eruption on Earth in the last 2 million years.

The volcanic eruption threw huge clouds of ash and sulphuric acid into the atmosphere and up into the stratosphere, from where it spread across the entire globe in both the northern and southern hemispheres and fell down as acid rain.

Traces of acid rain in the ice caps

"We have now traced this acid rain in the ice caps on Greenland and Antarctica. We have long had an idea of at what depth the Toba eruption could be found in the Greenland ice cap, but we found no ash, so we could not be sure. But now we have found the same series of acid layers from Toba in the Greenland ice sheet and in the ice cap in Antarctica. We have counted the annual layers between acid peaks in ice cores from the two ice caps and it fits together," explains glaciologist Anders Svensson, Centre for Ice and Climate at the Niels Bohr Institute at the University of Copenhagen.

"This means that we can compare the ice cores from Greenland and Antarctica with a annual accuracy and thus combine our knowledge of climate change in the northern and southern hemispheres," emphasizes Anders Svensson.

There has been much speculation about how such a huge eruption affected the climate. The giant clouds of sulphur particles that are thrown up into the stratosphere form a blanket that shields from the sun's radiation and this causes the Earth to cool. But how much and for how long? Modelling has shown that such an enormous eruption could cause a cooling of up to 10 degrees in the global temperature for decades..

"In the temperature curves from the ice cores we can see that there is no general global cooling as a result of the eruption. There is certainly a cooling and large fluctuations in temperature in the northern hemisphere, but it becomes warmer in the southern hemisphere, so the global cooling has been short," says Anders Svensson.

Consequences for man

But the eruption may still have had major consequences for nature, the environment and humans in large areas of Asia, where a clear layer of ash from the eruption has been found.

The eruption occurred at a fateful time in human history, around the time when there was a mass exodus of our ancestors, Homo sapiens, from Africa to Asia and researchers believe that early people living as far as 2000 km away in eastern India were affected by the eruption, which raged for weeks.

Archaeologist, however, strongly disagree about what the consequences of the Toba eruption were for people living in the areas of Asia that were affected by the eruption. Speculation ranges from almost no effect to total or partial extermination of the population in large areas. Material from this period is too old to be dated using the carbon-14 method and the Toba ash layer is therefore a very important reference horizon.

"The new precise location of the Toba eruption in the ice cores will place the archaeological finds in a climatic context, which will help to shed light on this critical period of human history," says Anders Svensson.

###

Article in Climate of the Past: http://www.clim-past-discuss.net/8/5389/2012/

University of Copenhagen: http://www.ku.dk

Thanks to University of Copenhagen for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

This press release has been viewed 44 time(s).

Source: http://www.labspaces.net/125035/Massive_volcanic_eruption_puts_past_climate_and_people_in_perspective_

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Syrian tanks enter Golan Heights; Israel protests

JERUSALEM --

Three Syrian tanks entered the demilitarized zone in the Golan Heights on Saturday, prompting Israel to complain to U.N. peacekeepers, a military spokesman said.

The foray would be the first such violation in 40 years and stirs concerns that violence from Syria's civil war could heat up a long-quiet frontier.

Israel's relatively low-key response of turning to the U.N. suggested it did not see the Syrian armor as an immediate threat.

But the entry marks the most serious spillover of Syria's turmoil at the frontier to date. Misfired Syrian shells have exploded inside Israel on several occasions, and a tourist site was temporarily closed after armed Syrians were spotted nearby recently.

The three tanks entered the DMZ on Saturday, and Israel lodged a complaint with the peacekeepers, an Israeli military spokeswoman said, speaking on condition of anonymity in line with military protocol. She did not elaborate on what the tanks were doing.

The Israeli news site Ynet said the tanks and two armored personnel carriers drove a few miles away from Israeli military positions.

Israel captured the Golan Heights from Syria in the 1967 Mideast war. It later annexed the strategic territory overlooking northern Israel in a move that is not recognized internationally. Before 1967, Syria used the highlands to shell Israeli villages and farms.

There was no immediate comment from Syria.

Concern over the Syrian tanks came as Syrian rebels launched a dawn assault Saturday on a strategic airbase in the north of the country.

Fighting at the Taftanaz airbase continued into the afternoon, the anti-regime activist Syrian Observatory for Human Rights said.

Capturing the base ? and holding on to it ? would be a major achievement for the rebels, The assault, reported by activists, came a day before the start of a key international conference in Qatar at which the United States and its allies aim to reorganize the opposition's political leadership and unite their ranks. The leadership-in-exile has been widely seen as ineffective and out of touch with rebel fighters.

Source: http://www2.timesdispatch.com/news/2012/nov/04/tdnat01-syrian-tanks-enter-golan-heights-israel-pr-ar-2335313/

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Answers To Your Urgent Questions About Commercial Real Estate ...

Buying or selling your first commercial property isn?t as tough as it may seem. However, there are things people should know before they consider purchasing a property. Read this article to find out more about common tricks and mistakes you should avoid to become a successful investor.

Create your own blog or personal website where you can present yourself as an expert in your field. Doing so may open up opportunities for you to sell your available properties or arrange for new deals.

Think big when you are looking for a permanent location for a business that you hope will grow. You should rent commercial properties that will allow your business to grow.

When you are shopping for a commercial property, be sure to confirm that you will have access to utilities. Every business? needs are different, but at a minimum, most businesses will need power, sewer and water services.

You need to acknowledge that property has a limited lifespan. It?s important to factor maintenance costs into your projections of what you?ll need to spend on the property over the long term. Properties may need expensive repairs. For example, the electrical system may be faulty or out of date, or the roof may require replacement. Although every building needs maintenance and updating at some point, some need repairs and upgrades more often. Estimate the cost of repairs over the years, and plan for them.

Invest in real estate that has a large number of units. The higher the number of units you have in a property, the more streams of financial income you have from the property. It is advised that you should purchase at least ten units to get the maximum income from your commercial investment.

Location is key in commercial real estate. You will want to focus on the actual neighborhood for starters. Also, consider local growth projections. Do not buy a property that is located in a neighborhood likely to take a wrong turn in the next five years.

When thinking about financing for properties of a commercial nature, it is important to go over paperwork with a reputable real estate attorney. If something horrible happens when you are dealing with real estate, the right attorney can make a world of difference.

As noted earlier, successful commercial real estate endeavors require a good deal of know-how. It was the purpose of this article to provide you with information that will make you a success in the commercial real estate market.

Source: http://www.davidstanleyredfern.com/property-overseas/answers-to-your-urgent-questions-about-commercial-real-estate-2

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