Good Advice On Why You Should Avoid Bankruptcy | Siben & Siben ...

TIP! Before you file, make the choice to be fiscally reliable. Avoid incurring new obligations or allowing existing debt to grow in advance of your bankruptcy.

The economy today is in a dreadful state. Even with a depressed economy, jobs are lost despite debts needing to be paid. Too much debt can lead to bankruptcy and all of its ill effects. Continue reading this article for information about bankruptcy and whether it is the right choice.

TIP! Don?t lie when you file for bankruptcy, even if you situation is pretty dire. Lying concerning your financial situation will not help you out of this situation.

Make sure the time is right when you file a bankruptcy claim. They say timing is everything, and this rings true when filing for bankruptcy. In some situations it is best to file as soon as possible, but in other situations it is best to wait until after you?ve gotten through the worst of it. Talk with a bankruptcy attorney to find out the ideal timing for filing based on your particular situation.

TIP! There is hope! When you file for bankruptcy you may be allowed to recover property like your car, electronics or jewelry that might have been repossessed. If the property you own has been repossessed under 90 days before the bankruptcy filing, you may still be able to get it back.

Ask those you know if they have an attorney to recommend, instead of finding one on the Internet or in the phone book. Although you may find a good lawyer through an advertisement, you can simply find a much better lawyer if the lawyer is recommended to you by someone who has gone through the process and who has the inside track on the lawyer?s true capabilities.

TIP! Prior to filing for bankruptcy, purge from your vocabulary the word ?shame?. It is not uncommon for bankruptcies to elicit feelings of guilt, remorse and embarrassment.

Write down any questions you might have before visiting with a layer about filing for bankruptcy. Lawyers charge a lot for their time. In order to save some money, be sure you have a list of questions written out in advance your meeting. Don?t leave the office until you are sure you understand everything.

TIP! It is important to protect your home when filing bankruptcy. You do not have to lose your home in the process of a bankruptcy.

Do your research first. If you want to file bankruptcy, but can not afford to pay a lawyer, you might want to do it yourself. If you decide to do this, it is important that you are knowledgeable on the subject. It is not uncommon for self-filers to make grievous errors and prevent discharges from happening. Be sure everything is done right to avoid that.

TIP! Once you have filed for bankruptcy, it is important to be cautious about incurring new debt. A lot of lenders offer credit cards and loans directed at people who have just come out of a bankruptcy.

Before declaring bankruptcy, be sure you?ve weighed other options. For example, consumer credit counseling programs can help if your debt isn?t too large. You may have luck negotiating lower payments by dealing directly with creditors, but be sure to document any get and new agreement terms in writing from each creditor.

TIP! Be cautious if you are planning to pay off any of your debts before you file for bankruptcy. You may find that bankruptcy law prohibits you from paying back some types of creditors for 90 days before you file, and a year for family members.

Filing for personal bankruptcy does not always mean discharging 100% of your debts. Filing a Chapter 13 allows debt restructuring, so you will only have to pay creditors part of your bill. There are a number of people who resist filing for personal bankruptcy because they think it is an irresponsible choice. Through Chapter 13, these people can take responsibility for their debts, and make efforts to pay them off properly.

TIP! Be certain that bankruptcy truly is your best option. Some people have great luck with handling debt with debt consolidation, which means taking out only one loan to pay off many loans.

Select a bankruptcy attorney wisely. Many novice lawyers get their feet wet with personal bankruptcy cases. It is crucial that your lawyer has the proper licensing and has plenty of experience. One resource that should prove extremely helpful is the Internet. You should be able to find the lawyer?s record online, as well as reviews from their previous clients.

TIP! It is possible to get an auto loan or mortgage during the repayment period for Chapter 13 bankruptcy. However, there are steps which must be taken to ensure you are within the law of bankruptcy.

Although the economy is slowly picking up, there are still many people left without jobs and a decent wage. Even if you do not have a steady paycheck, you still have options to help you avoid filing bankruptcy. With any luck, you now see that options exist to help you steer clear of bankruptcy. Take this information and apply it to your personal financial situation

Source: http://www.sibensiben.com/long-island-injury-lawyer-blog/uncategorized/good-advice-on-why-you-should-avoid-bankruptcy-6

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Lytro light-field camera hitting Amazon, Target and Best Buy sites next month

It's about to become a heck of a lot easier to get your hands on a consumer light-field camera. The Lytro, that marvel of post-picture-taking-focusing, is finally expanding its reach well beyond the confines of its own site. The camera will be hitting Amazon and Best Buy and Target's sites come October 9th. That same day, Canadians will be able to pick the lipstick-shaped device up via Future Shop, followed by retail availability in Canada on the 10th. In mid-October, it'll be hitting stores in Singapore and Hong Kong, swinging back around to the States in November for availability in CityTarget stores in select locations.

Continue reading Lytro light-field camera hitting Amazon, Target and Best Buy sites next month

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Lytro light-field camera hitting Amazon, Target and Best Buy sites next month originally appeared on Engadget on Tue, 25 Sep 2012 08:00:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/09/25/lytro-light-field-camera-hitting-amazon-target-and-best-buy-sit/

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Selena Gomez Wanted To Invent 'Cool' Voice For 'Hotel Transylvania'

Actress opens up to MTV News about playing her character, Mavis, in the new animated film, out this week.
By Jocelyn Vena, with reporting by Josh Horowitz

Selena Gomez
Photo: MTV News

Source: http://www.mtv.com/news/articles/1694309/selena-gomez-hotel-transylvania.jhtml

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Marines Charged With Urinating on Taliban Corpses, Other Misconduct

Source: http://www.thehollywoodgossip.com/2012/09/marines-charged-for-urinating-on-taliban-corpses/

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?Rampage? Jackson shows off his Gangnam Style moves

By now, you've likely seen the Korean pop video by Psy, "Oppa Gangnam Style." If you haven't, click here, enjoy, and enjoy having it in your head the rest of the day. The catchy tune caught the ear of injured UFC light heavyweight Quinton "Rampage" Jackson, and he showed the dance to Ariel Helwani on the MMA Hour on Monday. Skip to 1:15 to check out Jackson's moves.

Jackson had communicated with Psy via Twitter, telling him he's working on the dance that has become a viral sensation. He also said he was practicing the dance by himself when a teammate walked in. Awkward!

Source: http://sports.yahoo.com/blogs/mma-cagewriter/rampage-jackson-shows-off-gangnam-style-moves-222353976--mma.html

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'3 separate doors' open in career academy model

MOUNTAIN HOME, Ark. ?? Thomas Alexander McLees has always learned best by taking things apart, from a toaster ? his mom was not happy, he says ? to computers. So in ninth grade it was easy for him to decide what career academy to enroll in the following year at Mountain Home High School Career Academies.?

Students are sorted by learning style first, career aspirations second at Mountain Home, a charter high school for grades 10-12. Ninth-grade students go through a battery of personality surveys, discussions and visits from high school representatives and ultimately enroll in Health and Human Services (HHS), Communications, Arts and Business (CAB), or Architecture, Construction, Manufacturing and Engineering (ACME).

The 900-student school, nestled in Arkansas?s Ozark Mountains, is based on two commonly accepted educational tenets: every student learns differently and students learn best when the material is relevant to them. Mountain Home?s philosophy boils down to the belief that students will be engaged when they are taught in a way that fits their learning style and when they have a chance to apply classroom lessons to real-world problems ? and potential careers. ?Engagement, the school believes, breeds success.

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?We don?t have kids that hide in the bathroom,? CAB Academy Leader Kathy Wham said. ?Our kids all belong to one of three families ? We draw them out.?

Those in HHS are a bit more reserved, preferring quiet note-taking to absorb information. CAB students are often visual learners with a flair for the dramatic and turn frequently to presentations. Those in ACME ? where McLees ended up ? are more likely to appreciate hands-on learning.

Students take core classes ? English, math, science and history ? in the academy they?ve enrolled in but can take electives, which are often more career-oriented, in any other. That way, students can get the basics down in their individual learning style while exploring career options. They can also switch academies at the end of each school year. ?About 10 of the 600 or so students in 10^th and 11^th grades do so annually.

Built into the school?s world are unique positions, like Jodi Tejcek?s.She is the ?freshman transition leader? responsible for helping ninth-graders pick an academy. The academy?s acronyms also have become adjectives in the community?s lexicon as even adults debate and joke about their own inclinations. Tejcek says, for instance, that she has some very HHS tendencies, whereas Brigitte Shipman, the school?s academy coordinator, is ?so CAB.?

Paraphrasing a student, Shipman says career academies have ?three separate doors instead of cramming everybody through one big door.?

'We have such a voice'
Other high school career academies exist around the country, but Mountain Home is convinced its longevity is an endorsement of its model. While Mountain Home maintains support from community and students, other career academies have faltered.

The school also prides itself on focusing on student-driven projects, such as CAB students making videos about classroom etiquette or ACME students building a pavilion for outdoor gatherings.? Although the school was partially inspired by local businesses concerned about an aging workforce, students are not guided toward particular careers to meet the needs of industries in town.

'Digital toolkit': Three open doors to a successful career

?When I was here I had so many opportunities to grow,? said Holly Campbell, a 2012 Mountain Home grad now in college studying for a career in parks and recreation. ?We have such a voice at this school.?

Mountain Home, at which about half of students are eligible for free or reduced priced lunch, consistently outperforms state averages on standardized tests and the ACT. In the 2011-2012 school year, its students averaged a 22 on the college readiness test, higher than the statewide average of 20 and the national average of 21. ?Only about 3 to 4 percent of students drop out each year, mostly ?because of family and financial pressures, according to Shipman. Nationally, 7.4 percent students dropped out in 2010, according to the U.S. Department of Education.

But although 70 to 80 percent of Mountain Home graduates go on to two- or four-year colleges, 30 to 40 percent of them end up in remedial courses in college, according to the school?s data. Nationwide in 2008, 44 percent of students enrolled in two-year schools took at least one remedial course, and so too did 27 percent enrolled in four-year colleges. Principal Dana Brown said college remediation was a problem the school needed to address and was indicative of a disconnect between high school standards and college expectations.

Other graduates enter the military or a certificate program, or get a job. Guidance counselor Nancy Parish estimated that roughly 20 students in any given class of about 300 have no plans at the end of high school. The school has? started tracking students two years after graduation. Although administrators have no formal data yet, so far the majority of students seem to be sticking with their original plan, Parish said.

Parish stresses to students that they have many options. ?When you say the word ?college,? you?ve got a certain percentage of kids who turn off,? Parish said. ?[We tell them,] we want you to have training.?

On the first day of an Algebra 2 class this school year, Wham broke her students into small groups, each with a different problem posed by a ?manager.?

?This is a problem your company is solving,? Wham said as she walked around the room. ?You can?t go ask the boss. You?ve got to work with the group.?

'Prepared for reality'
At Mountain Home, aspiring vets? practice giving shots to large animals brought to the school by local professionals. Engineers-to-be learn computer drawing programs. Students interested in communications might film and edit video while geometry classes figure out how many stones are needed to pave areas of the school.

?We?ve just had so many opportunities going through all this to be prepared for reality,? senior Megan Cantrell said.

Many seniors? are also placed in internships for school credit at local businesses. Each semester, 20 to 25 go to Baxter Regional Medical Center, for instance. Cantrell, an HHS student, will be shadowing a doctor this spring. Teachers spend time out in the business world as well, attending daylong ?teacher externships? to pick up new real-world ideas to bring back to class, ?said Shipman.

Education Nation: Read more and make your voice heard

Some 100 Mountain Home residents also sign up to mentor a small group of students. They come once a month, bringing in guest speakers from different fields, arranging field trips to nursing homes or prisons, and playing games geared to lessons in how to give a good interview. Mentors also coach the school?s award-winning robotics team.

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Community support is the biggest challenge to having a successful career academy, many administrators, business leaders and school board members said. Mountain Home, with a large retirement community, has a wealth of professionals in many careers nearby, but they often have no connection to the school. It?s up to the staff to educate the community about what career academies mean, administrators believe, and residents are receptive.

?We find mostly all you have to do is ask,? Shipman said.

Another challenge is the misconception that students are asked to pick a career in ninth grade. Faculty argue that students are given time to experiment and find out what they like and ? just as important ? what they don?t like.

Those who do go to college find themselves ahead of their peers from other schools, said Kathy Gonten, ACME?s leader. ?Their other friends are trying to figure out what their interests are,? she said. But Mountain Home students ?go to college with pretty set ideas, and they?re based on fact, not fantasy.?

This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.

Copyright ? 2012 The Hechinger Report

Source: http://www.msnbc.msn.com/id/48911859/ns/us_news-education_nation/

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Leaving My Husband Alone | Toddler Times

If you?ll allow me a moment to give my husband the credit he deserves as a father, I would greatly appreciate it.

He has been left the solo parent at least a half dozen times over the summer. Sometimes he just has the baby, sometimes he has just the big one, most of the time he has both. I seem to travel a lot in the summer, with conferences, weddings and photography jobs. I?m currently in San Diego, yesterday I toured a Disney cruise ship without them (I felt like I was cheating on my whole family) and Cody has been back home texting me updates about our little kids he is taking around town.

Apparently the little one is going through a growth spurt, I have gotten several texts about her eating everything in sight. All I can do it text back and say things like ?Make sure the strawberries get eaten!? or ?I washed and plucked a whole bunch of grapes! Make sure those get eaten before they get furry! THE EGGS! I got eggs at the farmer?s market!? Cody does a darn fine job as a solo parent and he?s only gotten better the more (we?ll call them opportunities) he?s had.

Yesterday he took both girls to Addie?s book fair, I know because Cody posted a picture on Instagram of Vivi showing a particular interest in a zombie book. He takes them to the gym with him, he usually takes them out for dinner at least once and they generally go on at least one grand adventure while I?m gone. Four years ago when I would leave Addie with Cody I made sure there were meals in the fridge, clothes set out and I left with the expectation that as long as Addie was still alive when I returned Cody did his job even if she ate nothing but cheeseburgers and fish crackers all weekend. He was in law school and had plenty of other things to worry about, he missed out on a lot of Addie?s childhood so parenting wasn?t so much a second nature thing to him because he just wasn?t doing it all that often. We?ve both had our regrets about the law school years and what it meant for Cody as a dad and us as a couple but we?ve moved past it and learned from our mistakes.

To see the dad Cody has become now, partly because he has the time and also because he knows just how important it is, has inspired so much gratitude for me as his wife. Nearly a dozen years ago I first laid eyes on a guy that worked at Radio Shack, we had nothing in common yet six months later we were married. We were both little kids, we didn?t know anything about being grown ups or being parents. I couldn?t be entirely sure what kind of dad he would be and he was probably even more uncertain about the kind of mother I could be. That we?ve settled into our roles as caregivers and providers, not only for our children, but for each other as well is one of the things that I am thankful for every night as I go to sleep.

We are all taken care of. Cody takes care of me, I do my best to take care of him, we both take care of our girls and Addie is a spectacular big sister and oldest daughter. The jury is still out on Vivi, after all she?s the only one in our house with a tendency towards serious violence in the form of fork throwing and sippy cup launching. I can only imagine that growing up in our family where we are all the most important people to each other the toddler violence will fade away and Vivi will one day be an equally amazing 7 year old. (If not, I know a good lawyer.)

********

Find more of Casey?s writing on her blog moosh in indy or her Babble Voices site Shutterlovely. She?s also available on twitter, facebook, flickr and Instagram. If you can?t find her any of those places? Check the couch, she?s probably taking a nap.
More from Casey and Cody on Babble:

When is a marriage worth fighting for? (And why ours was.)

The joys of being a dad to Addie and Vivi.

Addie and Vivi play in the Rain.

Source: http://blogs.babble.com/toddler-times/2012/09/22/reports-from-home/

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