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Saturday, 11 February 2012
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Has feminism destroyed families and brought down society? Has it caused woman and men to swtich roles. Feminists want to be treated equally except when it involves money. They still want men to pay for most things. Most want a man with a decent job. Why do we have a generation of feminized boys and girls that talk down to boys/men. This topic was inspired by a shocking article that I had read. It was about this 22 year old woman who thinks that reducing the male population by 90% will solve everything! What is the world coming to with these ideas coming from these young girls? It will be a very interesting show indeed.
Where is the link to the article: http://www.vice.com/en_uk/read/is-reducing-the-male-population-by-90-percent-the-solution-to-all-our-problems
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Event box
DeGolyer Library, the Clements Center for Southwest Studies, and the Friends of the SMU Libraries present David Kruger, author of J.C. Penney: The Man, the Store, and American Agriculture, on Thursday, November 16, 2017. A reception will be held in the Texana Room, Fondren Library West with a lecture and book signing to follow at 6:30pm. Books will be available for purchase at the event. Please r.s.v.p. to Terre Heydari at email@example.com.
- Date:
- Thursday, November 16, 2017
- Time:
- 6:00pm - 8:30pm
- Location:
- Fondren Library, Fondren Library, Texana Room


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It's almost time, well maybe a tad early to do our yearly Christmas shopping, but what the heck! It's shopping and most of us just love it! I used to hate shopping, well not the conventional shopping at malls or my favourite quaint little shops in England per say but ONLINE shopping specifically.
I can't see the actual
product in person, I can't feel it and most importantly I can't try it. I
realized that it takes getting use to shopping on the web but let me warn you, once you get
started, there's no turning back. It's like a black hole and if you're not
careful, your money will be suck into it without you realising it.
|X'mas shopping already?
|Online Shopping anyone?
|Hollister is on sale!
So before you read on, my word of advice is, please exercise caution and constrain when buying over the Internet and make sure you keep a tab on all the expenses that you'd made! And if you are a newbie and interested, be sure to read more about the do's and don'ts of online shopping before you start clicking away!
Today I want to share with you a few of my favourite shopping sites that are especially suitable for bear-like shape persons, like me. I categorized these sites into three categories.
1. Fashion
2. Fitness & Health
3. Lifestyle
I will discuss in greater detail on my favourite online fashion sites first where I will be naming my top five and will leave the other two categories in my next posts.
1. Fashion
I am by no means a fashionable person but I try to wear apparels and accessories that fit and flatter my bear-like body shape and size. As I am a t-shirt and jeans kind of guy, there are a few sites that I would like to recommend as the products are really nice, trendy and suitable for the bear-like body shape. In no particular order, they are:
|Bought this from hollisterco.com
This is the sister company of A&F, and you actually get a very good selection from this site. Their prices are definitely reasonable while the quality of the t-shirts is really good. And the best part is that they only charge a maximum $20 USD for a package of ten items to be shipped anywhere in the world. I bought several tees and berms from them and the delivery time is good, approximately two weeks. As for the big brother company, A&F, the prices are definitely the same as I walk into the store in Singapore. So since the opening of the store in Singapore, I hardly go into the site except to see what's their latest collection available. Definitely a must for all bears and bear-wannabes!
|Another one of many bears' favourite brands, the t-shirt peeps, not the signage!
Another one that's not to be missed is the "beary" popular Superdry. This is a great online store as it's easy to maneuver and has a great range of products available. Regardless whether the brand is available in your country or not, the price is normally cheaper and freight is free if you live in the States and Europe. For Singapore, it's only a one-price freight, which is S$15 USD for any number of items you are interested to purchase, which is great especially if you're buying a lot.
|Latest collection: Trinity Messenger Bag (pic from http://www.manhattanportage.com/catalog/product_info.php/trinity-messenger-bag-p-478)
Colourful messenger bags definitely a must-have for all bears whether to use it as a gym bag or a daily lifestyle bag. This bag brand is one of my favourites as it's trendy yet durable and has a great choice of different designs, colours and sizes available. In addition, this fashion site caters delivery to most countries in the world.
|Wales Rugby 1881 Tee with the MRT Fit Perfect for any bears!
(Pic from http://www.worldrugbyshop.com/49999-sc.html)
This is one of my favourite online shops as it provides all different type of rugby apparels and accessories, from jerseys and t-shirts to compression wears and training gears. The wonderful thing about rugby tees or jerseys is that most of such apparels have the MRT Fit that flatters the bear-like body shape to a T. So if you want a sporty and definitely masculine bear-look, then get a few of the rugby jerseys to complete the butch look.
|A very expensive vintage tee from Dsquared (Pic from http://www.saksfifthavenue.com)
If you are up for designer garbs, then this is one site not to be missed. The range is very extensive, from the high-end fashion designers such as Jill Sander and Alexander McQueen, to the more affordable mastige brands like Junk Food and Rag & Bone. This wonderful shopping site also provides international delivery and currently the charge is $19.99 USD for Express Shipping to select countries on orders of $99 USD, including Singapore.
|Oops sorry, just realised that the text is mirror-flipped!


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Have you thought about what would happen to the assets you have worked so hard to accumulate when you die? Of course, one thing is for certain: You definitely can't take them with you when you depart from this world. Your residence, car, your vacation house, the funds in your 401k and IRA plans—all these are going to be left here when you die.
While you may assume that the people you love most are going to immediately inherit your possessions when you die, this is not always the case. Unless you specifically spell out your wishes through your will, the laws in your state is going to determine how your estate gets divided among your heirs—and there are no guarantees that you are going to like how that will be carried out.
This is why estate planning is very important. It enables you to retain control on how your estate is going to be apportioned in the event of your death or when you cannot anymore make your own financial decisions, such as when you become terminally ill and cannot communicate your wishes to your loved ones.
Many hold the mistaken notion that estate planning is only for the wealthy. Estate planning is for everyone who has something of value to leave to their loved ones. Even if your house is the only thing that you own that your children will stand to inherit, you still need to plan your estate. The following section will explain why.
Planning your estate may give you a sense of foreboding about your own mortality. However, you have to admit the fact that death can come at any time. When it's your time to go, you will go whether you have planned for it or not. This is why it's better to be prepared for it when you are still physically and mentally capable of allocating and deciding where your wealth should go and who should get it.
To bring home the importance of planning your estate now, consider the following advantages that it will bring:
You have the power to decide where your wealth goes and the law will respect it.
Anything that you put in your will is considered legally binding. If you decide to give all your wealth to your favorite charity and leave none to your children, they would not be able to do anything about it. If you want to include your faithful maid who has served your family all these years in your will then you can be certain that she will have a share in your wealth.
If you die intestate (without a will), the laws in your state will dictate how your assets will be distributed among your heirs. Even if you had originally wanted to provide a portion of your wealth to help care for children suffering from cancer through a foundation you have been supporting, there is a very unlikely chance that your wishes will be carried out when you die intestate.
You can plan your estate in such a way that taxes will not eat out a huge chunk of your estate.
When you die, your estate has to pay costly federal estate taxes in cash within nine months. Since not all estates have the cash to pay for these taxes, the deceased estate may have to dispose of some assets to come up with this amount so that the estate can then be distributed among the heirs.
However, there are steps that you can take now that will minimize or even eliminate the cost of the taxes that your estate has to pay when you die. Your estate planning attorney can recommend that you avail yourself of tax exemptions if you are married, reduce the size of your estate by giving away assets while you are still alive and purchasing life insurance to shoulder any estate taxes that are left. With a comprehensive estate plan suited to your personal circumstances, your heirs can enjoy what you bequeath to them without worrying that it will be substantially reduced by the tax obligations.
You get to assign people you trust as guardians for your minor children.
No one likes to think about the possibility of dying when your kids are still very young. However, this has happened to many people and the only thing that you can do to prepare for the eventuality is to secure them financially as much as possible by leaving them with a sufficient inheritance. A very integral part of this is assigning someone you trust and know to have the same care and concern for your children as you do to look after them and manage their inheritance until they come of age. If you die without assigning guardians for your children, the state will provide one for you but you won't know if they will really care for your kids the way someone you trust would.
You get to assign a healthcare proxy as well as a living will indicating your wishes when you become incapacitated.
Estate planning does not only detail what will happen to your assets after your death. It also allows you to name a healthcare proxy which basically authorizes someone to make sound medical decisions on your behalf in the event that you cannot make them yourself. This can be your daughter, son, best friend or whoever you trust who will act in your best interest. You also get to state what type of life-prolonging medical interventions you want or don't want to be given to you through a living will. These kinds of preparations will prevent a lot of family arguments in the event that you are not anymore able to make these decisions yourself because an illness or accident has rendered you incapable.
There are different elements in an estate plan. Wills and trusts are the most common.
Wills. A will is a legal document that shows who should get your assets and what portion of your estate they should get when you die. You also designate guardians to your minor children in your will as well as the executor or person in charge or your estate. If you die without a will, your assets will be distributed by the court among your beneficiaries following the rules in your state. It will also appoint a guardian for your children and the executor for your estate.
While the wishes of a deceased person will be respected by distributing his estate among the beneficiaries stated in his will, there are certain financial accounts that take precedence over who is named in the will. Beneficiaries named in insurance policies and financial accounts, for example, will be the ones who will receive the benefits upon your death.
Thus, it's important to make sure that your will and your beneficiary designations in these accounts are up-to-date. Let's say that you took out an insurance policy early in your marriage which named your wife as the beneficiary. However, she divorced you a few years ago because she found someone else. You didn't change the beneficiary in this policy but in your will, you stipulated that everything you own would go to your new wife. You died. Your first wife is still going to receive the death benefits in your insurance policy because that takes precedence over your will.
Trusts. A trust is a legal arrangement which allows you to entrust some assets to an individual or organization. A trustee is tasked with managing the trust. A living trust is established during your lifetime while a testamentary trust is included in your will and will only go into effect upon your death.
Not everyone can use a trust as a tool to plan their estate because establishing one can be quite costly. However, if you have a substantial net worth of at least $100,000, you might consider opening one. You should also think about a trust if you have a lot of real estate assets or have a specific idea as to how you want your estate to be distributed among your heirs upon your death. A good thing about trusts is that they can greatly reduce your estate taxes and safeguard your estate from potential lawsuits and even from creditors.
There are different kinds of trusts—revocable, irrevocable, credit shelter, generation-skipping, qualified personal residence, among others—and each has its own benefits and drawbacks. It would not be a good idea to just create a trust without the help of an attorney. The complexity of trusts makes it essential that you should get legal advice and consequently legal help in setting one up.
Estate planning is an important tool in determining how your assets will be distributed upon your death. Thus, the best time to plan your estate is today. It's also important to understand that estate planning is not a one-time activity. After you have established your estate plan, you have to review it regularly—at least once a year or every time there is a major change in your life such as marriage, death of a spouse, birth of a child or divorce.
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Hackley Family in Virginia
I am looking for any info on the Hackley Family in Virginia....my 4th greatgrandfather name was Rev. John William "Billy" Hackley and was born around (1800) in Virginia....he was suppose to have worked on his Slave owners Plantation... his slave owner's name was John Hackley and I am assuming he took the name from him...if anyone has any info I would really appreciate it...
A John Hackley is my 4th great grandfather, who was also the slave owner. Our family plantation is Hackleys Cross Roads, Fauquier, Virginia. I have my 3rd great grandfather's death certificate (Calvin Hackley) which lists John as his father and Naney Hackley as his mother. Naney was likely a slave. I don't have any information about your relative; however, John may be a connection and perhaps the name of the plantation may also help you?
Hi Daeonrich...it looks like we are in the same family line...Calvin was my 4th greatgrandfather's 4th son..and my 4th great uncle...my 3rd greatgrandfather was Calvin's brother..Marcellus Larry Hackley 1845...i know that our 4th great grandfather was a Baptish preacher in Niles Michigan...there were 16 Hackley Children...9 girls and 7 boys...i'm just wondering where all of their decendants are...i do have some info on them but wanted more...i know that our 4th grandfather lived on a Plantation of his owner John Hackley who's wife was the 1st cousin to Abraham Lincoln...that is where he probably got his name from...i'm wondering what his birth name was and am trying to dig a little deeper for slave records...any more info you have on any of the Hackley's will be appreciated...thank you and i hope we can maybe we can help each other research our family line...
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Pormal na binuksan kahapon, July 15, simula sa ganap na ika-6:30 ng gabi, ang 7th Cinemalaya Philippine Independent Festival 2011, sa pamamagitan ng simpleng palatuntunan na taun-taon ay isinasagawa sa lobby ng Tanghalang Nicanor Abelardo (Main Theater) ng Cultural Center of the Philippines (CCP), sa Roxas Boulevard Pasay City.
Nagbigay ng masiglang opening remarks si Ms. Emily Abrera, CCP Chairman. Muli niyang ipinahayag ang malaking naging pagsulong ng Cinemalaya Film Festival, mula sa pagsisimula nito noong 2005 hanggang sa kasalukuyang taon; at ang mga natatanging lineup ng mga pelikulang mapapanood, sa iba't ibang kategorya.
"Fifty one films are in competition, [belonging to the] New Breed full-length feature categories, Short feature categories, Directors' Showcase, and NETPAC (Network for the Promotions of Asian Cinema) premieres," pagtukoy ni Ms. Abrera.
Sinundan iyon ng pormal na pagpapakilala ni Ms. Laurice Guillen, Competition Committee Chairman, sa mga kalahok na filmmakers sa Short Features, New Breed, at Directors' Showcase categories, ng Cinemalaya 2011.
Ang pagpapakilala ni Guillen sa mga competing filmmakers ay isinagawa matapos ang pagpapalabas ng mga piling tagpo, o trailers ng mga film entries.
MESSAGE. Ang mensahe ni Nestor O. Jardin, Festival Director, bilang panghuling tagapagsalita, ang nagpahayag ng kumpletong nilalaman at kabuuang saysay ng binubuksang independent film festival.
Narito ang kabuuan ng mensahe ni G. Jardin:
"Inilunlunsad natin ngayong gabi ang ika-pitong edisyon ng Cinemalaya Philippine Independent Film Festival.
"Sa susunod na siyam na araw, magkakasama-sama na naman tayo, upang panoorin ang mga pelikula na malayang nagsasaad ng iba't ibang kuwento ng katotohanan; at hinagpis, kalayaan, nakaraan, karangyaan, [at] pagkamapusok...
"Mga kuwentong hindi natin kalimitang nakikita sa pelikulang Pilipino.
SEE THE UNSEEN. "'See the Unseen' is Cinemalaya's theme this year," patuloy ni Jardin. "Themes that tell us stories about the infinite Filipino life experience; themes that boldly portray the good and the bad in our society; themes that depict our rich cultural heritage.
"This year, we are featuring a total of 181 independent films; 65 full-length and 116 [shorts] from all over the country.
"51 of these films are in competition, for the New Breed, Directors' Showcase and NETPAC Philippines' premieres.
"We're very excited about this year's festival, because of the new things that are being introduced in Cinemalaya, for the first time:
"First, we're going to have simultaneous festival screening, at the CCP and Greenbelt Cinemas, courtesy of Ayala Theaters Management.
"This will allow for more screenings of the festival films and accommodate the growing number of Cinemalaya audiences.
"Second, for the first time in Cinemalaya, we will open a new section called Focus Asia, featuring indie films from Japan, Korea, Thailand, Malaysia, and Indonesia.
"In line with this regional thrust," dagdag pa ni Jardin, "the Cinemalaya Congress, scheduled on July 19 and 20, at the CCP Little Theater, will deal with the theme, 'Building Bridges On Indie Filmmaking In Asia.'
"Third, a new section called Cinemalaya Documentary will feature 17 full-length and 4 documentaries, by some of our most talented filmmakers."
FPJ FILMS RETROSPECTIVE. Ugnay sa ikatlo, at ikaapat na bahagi ng festival, ay pinasalamatan ni Jardin ang Calaca Corp. at ang Society of Filipino Archivists for Films (SOFIA), "for supporting this festival."
"Fourth, the Cinemalaya Retrospective will feature the Ronwaldo Reyes Retrospective, a tribute to National Artist Fernando Poe, Jr., showcasing 9 films which he directed or wrote scripts for.
"We wish to thank the FPJ Productions, San Miguel Corporation, and the SOFIA for helping us mount this section.
CO-PRESENTORS. "Finally, the Independent Film Cooperative, or IFC, and the Cinemalaya Foundation are presenting the first Manila Film Financing Forum, on July 17, which I hope our indie filmmakers will attend and take advantage of.
"My heartfelt thanks go to our co-presentors: the Cultural Center of the Philippines (CCP), represented tonight by its Chairperson, Emily Abrera; Econolink Investment and its Chairman, Antonio Cojuangco; and the Film Development Council of the Philippines (FDCP) and its Chairman, Briccio Santos.
"Maraming Salamat sa inyong lahat!"
ESSENCE OF CINEMALAYA. In particular, Nestor Jardin cited the contributions of the independent filmmakers of the annual festival.
"My gratitude also goes to all our partners who have wholeheartedly lent us their support," he said.
"I also wish to thank director Laurice Guillen, for allowing us to have Maskara, her first indie film, as the opening film of Cinemalaya 2011.
"But most of all, I wish to thank and congratulate this year's batch of filmmakers, for giving us new films that I am sure will entertain us, teach us new lessons in life, feed our imagination, [and] tell us what it takes to be a Filipino.
"The independent filmmaker is the essence of Cinemalaya. It is for you that we organize this festival.
"And to all of you—our very supporters and audiences, thank you for helping us make what Cinemalaya is today.
"Maraming salamat po!"
PERFORMERS. Sa opening ceremony ay naging malaking atraksiyon din sa mga manonood, kabilang ang mga foreign guests, local celebrities at media representatives, including PEP.ph (Philippine Entertainment Portal), ang mga kinatawan ng mga grupong pang-kultura, tulad ng Seven Contemporary Dance Company at Philippine Dance Ensemble.
Sa makukulay nilang kasuotan ay nagpamalas ng mga katutubong sayaw ang PDE; habang ang mga kalalakihan ng SCDC, na naka-topless ang iba, ay nagsayaw sa mga matataas na entabladong bakal.
Isang makapigil-hiningang tagpo ang ginawa ni Liwliua Peralta Jr., rapeller, na bumiting patiwarik mula sa ikatlong palapag ng makeshift iron stage pababa sa audience area. Ang choreography ay mula kay Christine Santillan.
Naghandog ng awitin si Camille Molina, soprano, sa saliw ng musika nina Butch Roxas (guitar), Herrick Ortiz (cello) at areglo ni Naldy Rodriguez. Bukod kay Santillan, ang iba pang choreographers ay sina Marciano Viri, ng Philippine Dance Ensemble, at Kristoffer Legarde, ng SCDC.
Kabilang ang Bruganda Drumbeaters sa Redux musical number, at sa Cinemalaya Remix, in Light, Dance and Sound, featuring Son et Lumiere: Katsch S.J. Catoy; with original music by Bob Aves; vocals by Grace Nono; lyrics by Nicanor Tiongson; remix arrangement by Robbie Factoran and Mike Villegas; and video by Rodel Valiente.


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Artist's description:
Freestyle 2k17, 2017, digital painting on canvas, 60x60cm. framed.
Freestyle 2k17 (2017)
Mixed-media painting by Randy Dims
- Mixed-media painting on Canvas
- One of a kind artwork
- Size: 23.62 x 23.62 x 0.79 in
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- Style: Graphic, illustrative and typographic
- Subject: People and portraits
This artwork is sold by Galerie bruno massa from France


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The be concerned and stress of having these debts and remaining pressured by assortment businesses is simply too really hard so that you can take care of, or
Also, keep in mind the price selection sort can even must be stuffed out, but that form is very self-explanatory and straightforward to understand.
I know this is obvious, but money is usually the issue when filing for bankruptcy. Take a breath and after that make some phone calls. Talk about your situation with numerous bankruptcy attorneys. Let them know your circumstance and Everything you can afford.
California is 1 many states in America that leaves filing Chapter seven bankruptcy fairly friendly to persons. Other forms of bankruptcy during the point out, for example Chapter 13, are standard procedure from federal regulations as the majority of states are. Bankruptcy can be worrisome, but in sure instances, which a bankruptcy attorney will help you verify, it is actually the best choice a person or business enterprise has.
A debtor training study course by an authorized company should really incorporate info on establishing a finances, taking care of revenue, and making use of credit score correctly. Like pre-filing counseling, debtor training can occur in human being, around the mobile phone, or online. The instruction session may past for a longer period than the pre-filing counseling — about two hrs — plus the price is among $fifty and $100.
If a "bankruptcy particular" Power of Attorney agreement has not presently been executed, it is just too late to execute 1 concurrent with the bankruptcy
Not loads of folks plan to make the choice of when to file bankruptcy, but you'll also discover that there's unquestionably some phase exactly where by it just could quite possibly really need to get completed.
In the event you're continue to searching around and thinking of numerous counseling organizations, here are some factors to keep in mind, and features that you will need to search for in an company.
Although it is not common across the board, repeatedly you'll find some more economical bankruptcy attorneys around Indianapolis than in parts even further faraway from central Indiana. The main reason why persistently cheaper Indianapolis-location bankruptcy attorneys can be found will likely be as a result of 3 motives: one) the Indianapolis bankruptcy attorneys are nearer to the federal court docket residence for their hearings, 2) sure Indianapolis bankruptcy attorneys often concentrate on cheaper bankruptcy providers due to greater market place, 3) the bigger current market (more people) lets more specialization that makes bankruptcy cheaper.
Unsecured debts are debts not secured by collateral. A Secured credit card debt is any time a creditors Have a very stability fascination with your to guarantee repayment just like a auto bank loan or maybe a mortgage.
wikiHow Contributor Bankruptcy has almost nothing to carry out with custody. In case you are not receiving youngster guidance as you are not the custodial dad or mum, then there is not any little one assist income to assert when you file a bankruptcy petition. As always, you'll want to seek advice from an attorney for the best advice.
In the event your income and assets are so low that you will be ''collection evidence,'' then You do not essentially really need to file for bankruptcy. To learn more, see our guide on Debt Selection.
Lien. A secured creditor has a lien, or authorized claim, with your home. This serves to be a detect to any potential consumer that you do not individual the home free and apparent. In some instances, this lienholder can repossess or foreclose and drive a sale of the assets making sure that he may be paid out to the debt with the proceeds of the sale.
Usually, persons filing bankruptcy right after getting foreclosure recognize are only delaying the inescapable. Even though assortment strategies stop, the lien holder can petition the court docket to lift the remain on home below foreclosure.
Which Type Of Insolvency Should You File? Phase 7 VERSUS 13
This phase of the consumer bankruptcy Code normally gives for reorganization, typically entailing a firm or collaboration. Bankruptcy continues to be on your credit record for 7-10 years, depending upon which phase of bankruptcy you file under. It may be time to proclaim bankruptcy if it is going to take even more compared to five years for you to pay off all your debts. Chapter 13 personal bankruptcies compose concerning 30 percent of non-business bankruptcy filings. Declaring bankruptcy with a court is the very first step.
A personal bankruptcy attorney could explain your options as well as help you determine if declaring bankruptcy is best for you. Put in the time to calculate just how much cash you need to stay clear of personal bankruptcy. We are the personal bankruptcy attorneys you could call to assist you achieve freedom from your financial institutions and also gain back monetary stability. The automated remain" order avoids lenders from trying to collect from you during the personal bankruptcy process.
The new consumer bankruptcy legislation calls for credit scores therapy before insolvency filings anyway so it deserves it to highly consider credit report counseling as a personal bankruptcy option. The American Insolvency Institute (ABI) did a research of PACER statistics (public court documents) from 2016 as well as located that 95.5% of the 499,909 Chapter 7 insolvency instances made a decision that year were discharged, meaning the person was not lawfully required to pay the financial obligation.
A Phase 13 bankruptcy involves paying off some of your financial debts to have actually the remainder forgiven. It is very important to understand that while personal bankruptcy is a possibility to begin again, it definitely affects your debt and also future ability to use money. Bankruptcy is a lawful procedure developed to put a stop to collection calls and also eliminate debt forever.
Your bank card company will certainly decide whether you can maintain your charge card after your insolvency. If you haven't done so at this point, this could be where you recognize you should locate a personal bankruptcy attorney Legal counsel is not a need for people applying for either Phase 7 or Chapter 13 personal bankruptcy, however you are taking a major threat if you prefer to represent yourself.
Filing personal bankruptcy might permit you to obtain a fresh monetary start. A lot of people that apply for insolvency pick either a Chapter 7 or Chapter 13 case. When you state insolvency, your co-signer still could be lawfully bound to pay all or part of your finance. Still, due to the lasting effects of insolvency, some experts think it's most beneficial when read here you have more than $15,000 in the red.
Phase 7 bankruptcy is a court process that is designed to erase bank card debt, medical financial debt, and also other sorts of unprotected debts click to find out more for individuals that can not afford to settle them. For a detailed discussion of non-bankruptcy options, take a look at Solve Your Loan Difficulties: Financial Debt, Credit Rating & Insolvency, by Robin Leonard as well as Margaret Reiter (Nolo).
The opportunity of a debtor filing for insolvency will certainly inspire some financial institutions to accept decrease the month-to-month settlement, develop a long-lasting payment plan, or decrease the rate of interest or the financial obligation. For something, you may not understand government or state personal bankruptcy regulations or know which legislations put on your situation, particularly regarding what debts can or can not be discharged.
Filing for bankruptcy is a legal process that either decreases, reorganizes or eliminates your financial debts. Financial institutions may wish to stay clear of a borrower entering into bankruptcy, computing that an insolvency declaring will certainly minimize the amount of the debt that will certainly be paid back to them. Lawyers from our network can discuss which type of personal bankruptcy will ideal secure your assets while wiping out the biggest amount of debt, so you'll Recommended Reading know you're picking the appropriate path for you.
No. If you can pay your bills when they schedule, it's a great idea to do so. Nevertheless, if your debts are considerably greater than your possessions as well as earnings, bankruptcy may be your finest alternative. On top of that, private debtors who have normal earnings might seek a change of financial obligations under chapter 13 of the Personal bankruptcy Code A specific benefit of chapter 13 is that it offers specific debtors with a possibility to save their homes from repossession by allowing them to "capture up" past due settlements through a layaway plan.
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15,000 visit Town Hall & Symphony Hall over ArtsFest weekend
Town Hall and Symphony Hall celebrated Artsfest with a programme of free events showcasing performances from the Town Hall Associate Artists such as the acclaimed Ex Cathedra, Black Voices and the Town Hall Gospel Choir.
Artsfest also marks the culmination of a long term project in which The BBC Big Band have been mentoring Ladywood Community Big Band, The Notebenders (pictured).
Over 15,000 people visited Town Hall and Symphony Hall on Friday, Saturday and Sunday, helping to make up more than 270,000 visitors to the city centre over the whole weekend.
Radio 3?s Jazz Line Up recorded the performances of Percy Pursglove and Ben Markland in the main hall which will feature in a Birmingham Scene programme on Jazz Line Up to be broadcast soon.
The programme will also include excerpts from the BBC Big Band/Notebenders gig at Town Hall.
Other highlights included taster sessions for our free foyer series such as Mid-day Mantra, featuring the magical singing of Faheem Mazhar and the brand new Folk for Free, performed by Elfynn, blending contemporary and traditional tunes.


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Using an agile cloud-based approach and open-source code allows HBX to speed its development cycles and make frequent changes without taking the system down.
The HBX open-source cloud solution is a model with enormous potential payoff for the public sector, because Case study the exchange demonstrates how agencies can align their IT environment with their mission and customer needs by using cloud services, which provide the flexibility to react to ever-changing priorities and are cost-effective to deploy and to maintain.
DC Health Link offers a range of coverage choices to District residents and small businesses. Only 2, euros went into paint, rent and other materials. So there was a lot of buzz around it, driven by social media.
Each item came with a very special price tag — one or more human organs! HBX and the state provider entered into the first state-based marketplace partnership in the nation. People wanted to come down and talk. They invested 2, euros and managed to generateeuros in earned media with no paid media spend.
Most importantly, its customer satisfaction is up and call volume and escalated cases are down—three metrics considered by HBX to be key success indicators. Ryan McManus on the importance of social media: Code upgrades and changes required the entire code to be redeployed and the marketplace to be offline in maintenance, which meant customers could not use the marketplace while the system was down.
We did a huge increase in recruitment and obviously the spin-off in the media made it a huge awareness campaign. Because of the conversation was generated essentially for free.
We managed to get a thousand new organ donors. Government policy and the bureaucratic sign-up process are believed to be responsible.
This partnership also means HBX and the state provider will share the cost of future improvements and required federal changes. This number is very low compared with similar countries of the world.
That is what I find very interesting about the campaign. That I feel was a big barrier to getting people to sign up as organ donors. HBX has also deployed best-in-class decision-support tools. The process of doing it in South Africa is extremely laborious. The average turn-over for new organ donors is 15 a month if they are lucky.
Harnessing something that everyone already talks about consumerism destroying the world and which is so negative, deconstruct it and turn it into something which has a positive impact. HBX chose to move to the cloud using Amazon Web Services AWS because it offers the ability to develop software and new features rapidly, meet federal security and compliance standards, and contain costs.
HBX was the first state-based marketplace to migrate to the cloud, and it is still the only such marketplace in the cloud. The only way to make it sustainable is to get a lot of fashionable accessory brands involved, which we are looking into at the moment to see how we are able to do that.
Social media was also an important part of the campaign.
System capacity was low, resulting in system timeouts and other obstacles to enrollment. They actively plan and implement education and publicity programmes designed to raise awareness of organ donation. The Exchange was featured in morning television, primetime news, blogs, newspapers, etc.
ODF managed to gather 1, items from the designers.
The Solution Into help achieve sustainability and a customer-centric online experience for SHOP and individual marketplace customers, HBX began migrating the DC Health Link IT system from traditional data centers to an agile, cloud-based model using open-source code with no licensing fees. The agency was able to do this while winding down down its federal grant funding and keeping the industry-wide assessment that funds the Authority at the same one-percent level.
And this will emotionally remain with them for a long time. Ryan McManus explains the value for designers: Ryan McManus speaks about the possibility of building a permanent shop: She got her boyfriend to come down to the store and buy her a new handbag — with his organs!
These products were not flexible enough to meet evolving business requirements, were expensive to maintain, and were not scalable. The campaign starred real people shopping at the store. HBX used three key strategies to transition to the flexible, cost-effective, and financially sustainable solution required to meet its broad mission with limited resources.
The fourth DC Health Link open enrollment, which ended January 31,resulted in nearly 24, residents selecting private health plans for coverage—more new customers than either of the past two years.
They connected with each other and I find it moving that all this happened in a fashion store, in a mall. Most people would actually be open to it if it would be presented to them in a right way. Pictures on social media added real faces and emotions into the mix.District of Columbia Health Benefit Exchange Authority Case Study About HBX The DC Health Benefit Exchange Authority (HBX) is a public-private partnership established to create and operate DC Health Link, Washington, DC's state-based online health-insurance marketplace.
The Exchange administrators of Teléfonos de México S.A.B. de C.V. (Telmex), one of North America's biggest telecomunications companies, talk about why they chose CodeTwo Exchange Rules Pro to augment Exchange's built-in email signature management options and. Accruit exchange case studies.
Based on positive experience with previous Exchange, Active Directory (AD) and Identity Management projects, ITSC chose infoWaN, a Binary Tree, and Microsoft Partner, to perform the migration to Exchange Server infoWaN, a management consultancy based just outside Munich, has the expertise and experience necessary to successfully perform cross-forest exchange migrations and.
The Organ Donor Foundation's fan engagement grew by % in under 4 weeks. They invested 2, euros and managed to generateeuros in earned media with no paid media spend.
The idea spread in local and international media. The Exchange was featured in morning television, primetime news, blogs, newspapers, etc. Case Study – Health Information Exchange September 13, 4 community physicians; leveraging interfaces with both the Epic EHR, EHR products from other vendors, the US Social Security Administration, community pharmacies, and nursing homes.Download