The Surprising Truth About Bankruptcy

Sur le même thème que "The Surprising Truth About Bankruptcy"

Wow...that was a surprise!

Pink and Carey Hart are getting a divorce. Wow..what a surprise. I really thought Carey liked his man. Very. Odd. Case in point [lien] [EN]

Bankruptcy Recovery: Lessons Learned

Bankruptcy helped my husband and I in a number of ways - the most important was that we were suddenly debt-free after struggling for well over two years with our debt. But as much as it helped us, it hurt us too, and there were several hard lessons we had to learn before we could ultimately get our credit and our lives back on track. 1) You know, after you declare bankruptcy it’s hard to get a loan! We knew that going into our bankruptcy, but what surprised me was that after nearly three years of doing everything I could to rebuild my credit score, there are still some lenders who will not even consider me with a bankruptcy on my credit report. There were a few shady types, auto lots mostly, who started soliciting us before our bankruptcy was even discharged. [lien] [EN]

Rare, Truthful Treat: AP’s ‘Fact Check’ On Obama Presser Hits Surprisingly Hard

In late April, the Associated Press’s Calvin Woodward, in a “Fact Check” report (”Obama disowns deficit he helped shape”), hit President Barack Obama’s claims that he and his party don’t deserve much of the blame for the size of this year’s deficit pretty hard. It was such a surprise that I wondered who had put truth serum in his coffee. Well, you might have guessed it would be Calvin Woodard doing the primary honors in an AP Fact Check that again takes aim at the President, this time over his health care bill. With the co-bylined help of Jim Kuhnhenn and contributions from Ricardo Alonso-Zaldivar, Woodward and his team went after several claims made by Obama at his Wednesday press conference that don’t stand up to scrutiny. Here are excerpts relating to each - OBAMA. [lien] [EN]

To Tell the Truth: Will the Real Global Average Temperature Trend Please Rise? Part1

To Tell the Truth:  Will the Real Global Average Temperature Trend Please Rise? Part I A guest post by Basil Copeland [NOTE: After seeing some other analyses posted in comments by Basil, I’ve invited him to post his work here. I hope you will enjoy it as much as I have so far - Anthony] Everybody talks about the weather, but rarely has a scientific debate engaged the public as have concerns about climate change and and anthropogenic global warming.  It is a scientific issue or debate that everyone can have an “informed” opinion about just by going outside, or by thinking about how climate has changed in their lifetime.  If they cannot understand the physics of GCM’s (global climate models) they can read a thermometer and opine whether it is getting colder or warmer “than it used to be. [lien] [EN]

To Tell the Truth: Will the Real Global Average Temperature Trend Please Rise? Part 2

To Tell the Truth:  Will the Real Global Average Temperature Trend Please Rise? Part II A guest post by Basil Copeland Before proceeding, I want to thank Anthony for allowing me to guest blog at Watt’s Up With That?  Anthony is doing some remarkable work in trying to insure the integrity and quality of the surface record, and it is an honor to be able to use his blog for my modest contribution to the debate over climate change and global warming. In Part I we looked at seasonal differences in the four global average temperature metrics Anthony has recently been blogging about, and demonstrated that since around the end of 2001 there has been no “net” global warming, that positive seasonal differences have been offset by negative seasonal differences.  More recently, negative seasonal differences have dominated. [lien] [EN]

The Truth About ANWR

[Guest post by DRJ] Living in West Texas in the middle of oil country, I get a lot of emails from friends and family about energy. I was surprised to learn that Snopes.com has written an article about one of those emails entitled The Truth About ANWR. The email uses photos and maps to show where proposed ANWR drilling is and what it looks like. It compares the barren Coastal Plain area that supporters want opened for exploration and drilling with the beautiful Alaskan wilderness that is not designated for drilling. Without elaborating, the Snopes.com article labels the conclusions in the email “scant and one-sided” and links to websites with opposing views on ANWR drilling. However, Snopes.com apparently concedes that the ANWR photos contained in the email are accurate. ANWR photos and references are at the link. [lien] [EN]

Bankruptcy Laws Are Changing on October 1, 2008

The median income guidelines for those needing to file bankruptcy are changing again - this time for the better. Typically when you declare bankruptcy, you have to fill out what is known as a “means test” form. This form is used to determine whether or not the government believes you should be able to pay your debts back, or not. When you fill out this form, you must fall within an acceptable income range. If you go over that range your options are limited or you can’t declare bankruptcy. On October 1, 2008 the maximum income levels that cap bankruptcy filings are being slightly raised - good news for anyone who earns an income that approaches the means test cutoff figures. Here are some links to reference materials that will let you look up your state’s bankruptcy and income guidelines. [lien] [EN]

James Morrison’s Furtado surprise

James Morrison’s Furtado surprise James Morrison was surprised when Nelly Furtado agreed to sing with him. The ‘Maneater’ singer lends her vocals to ‘Broken Strings’ - a track on his forthcoming album ‘Songs For You, Truths For Me’ - but Morrison never thought she would say yes to a collaboration. This entry was posted on Monday, September 22nd, 2008 at 12:02 pm and is filed under Nelly. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site. [lien] [EN]

The truth has outed

You know, it kinda irked me when I found out on Tuesday that Clay Aiken came out. But then, it kinda irks me when Clay Aiken does anything. From the moment I laid eyes and ears on him, I didn't like him or his soul-free showtuney crooning. I was an avid American Idol watcher back in the day and I never believed a word out of this guy's mouth when he was on stage, not even when he compared himself (like so many) to a bridge over troubled water -- and that was a metaphor! His entire square shtick -- musical stiffness, gleaming whiteness and apparent interest in performance over communication -- just has nothing to do with what I enjoy in pop music. He's sort of like Celine Dion inhibited and in Raggedy Andy drag.Totally boring and utterly false, on stage and off. And duh, we all knew it. Kathy Griffin owes much of her career to this communal knowledge. [lien] [EN]

Credit After Bankruptcy: A Book Review

This is a book that I have really been looking forward to reviewing. I am very glad that I finally got the chance. Just after I declared bankruptcy, I was researching ways to repair my own credit, and I ran across Stephen Snyder’s website. He is the author of this book, “Credit After Bankruptcy” and he has an excellent series of free newsletters that I made good use of when I began my own journey of recovery. At that time I didn’t consider buying and reading the book that went along with the emails though. So, I was very happy to find it on the list of used books available on Amazon.com. Although the book does contain some of the same information mentioned in his emails, there was quite a bit of entirely new information too. Here are a few of the highlights: Snyder Begins the book with a laundry list of some historical. [lien] [EN]

Circuit City Files For Bankruptcy, Owes $898 Million [Things Are Tough All Over]

Given Circuit City's recently publicized downsizing and rumored credit concerns it probably won't come as a surprise that the situation is dire enough for the electronics and software retailer for them to file for bankruptcy protection. If that was out of the blue, aren't you glad we prefaced the announcement with how unsurprising it would be? Now you won't be shocked(!) to learn that Circuit City has filed for Chapter 11 bankruptcy protection. Circuit City owes close to $900 million to its vendors, which a $1.1 billion loan will help pare down. Speaking of paring down, CC will also be shedding another 700 employees, on top of the thousands already hit by the axe, according to the Wall Street Journal. The company's stock, in turn, tumbled further. WSJ also reports that the U. [lien] [EN]

Do You Have A Bankruptcy Attitude?

Now that I’ve put some distance between the time of my bankruptcy, I can see very clearly that there were certain attitudes, certain actions, that led me down that path. Some of these attitudes I’ve managed to change, and some of them I still struggle with. Bankruptcy and Time Management: Before Bankruptcy: · I don’t have time to deal with my bills / budget / debt right now - Prior to my bankruptcy, this was my favorite excuse for ignoring my finances. I was busy, I have a family to raise and support, I was working, I was going here or there. So, the bills usually got stuffed into the bill box to be dealt with at a later time. After Bankruptcy: · I make time to deal with my bills / budget / debt - When the bills come in, they get opened, and the due dates are marked on a calendar. [lien] [EN]

Bankruptcy Chapters Explained - Chapter 7

What is Chapter 7 Bankruptcy? Chapter 11? Chapter 13? What is the difference, and which one is right for your situation? This series of articles will shed some light on the finer points of Bankruptcy law, and give you an idea of which one might fit your situation. Chapter 7 Bankruptcy: Filing for Chapter 7 bankruptcy means that you are not going to make a repayment plan with anyone that you owe. Instead, any non exempt assets that you own will be sold, and used to pay the people that you owe. What does exempt mean for you? You are allowed to keep certain possessions and property when you file Chapter 7 bankruptcy. To find out which exemptions you are allowed to take, you have to look at your individual state’s law. If you are using a bankruptcy lawyer to handle your case. [lien] [EN]

Credit After Bankruptcy - How to Get Credit and Manage New Credit Accounts

This article is part one of a three part series that takes an in-depth look at getting credit after bankruptcy, and the best ways to raise your credit score. Bankruptcy can be devastating to your credit score. Especially if you had a number of late payments, charge offs, or settlements prior to your bankruptcy. So how do you start to rebuild your credit? How do you know which credit cards to choose? How do you raise your credit rating? There are a series of very simple steps that you can take after your bankruptcy to get back on track. It is possible to get credit and loans after a bankruptcy - even in the current economy. Step 1: Find out what your credit score is The first, and very important step to rebuilding your credit after bankruptcy is to know where you are starting from. [lien] [EN]