January 22nd, 2009
The Monkey With The Wooden Apples
There once was a happy monkey wandering the jungle, eating delicious fruit when hungry, and resting when tired. One day he came upon a house, where he saw a bowl of the most beautiful apples. He took one in each hand and ran back into the forest.
He sniffed the apples and smelled nothing. He tried to eat them, but hurt his teeth. They were made of мозаичная плитка на кухню wood, but they were beautiful, and when the other monkeys saw Whirlpool JT 359 them, Hitachi 37LD9800TA he held onto them even tighter.
He admired his new possessions proudly as he wandered the jungle. They glistened red in the sun, and seemed perfect to him. He became so attached to them, that he didn’t Scarlett SC-094 even notice his Samsung Digimax
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January 22nd, 2009
Bankruptcy: What the New Law Means to You
On April 20 of this year, President Bush signed a bankruptcy reform law. When this law went into effect in October it made it much more difficult for Americans to use Chapter 7 bankruptcy to get a fresh start on their financial lives.
Under the old law, you could choose to file either a Chapter 7 or Chapter 13 Bankruptcy. In a Chapter 7 proceeding, you are allowed to keep your exempt property, such as much of the equity in your home. Most of your other debts, such as money owed on credit cards, are discharged.
In comparison, a Chapter 13 Bankruptcy is a reorganization bankruptcy. In this type of proceeding you agree to pay off your debts over a period of three to five years.
The result of the new law is that fewer people will be able to file for Chapter 7 Bankruptcies and will be forced to file for Chapter 13 Bankruptcies, instead.
Major Changes
Possibly the biggest change to bankruptcy law is that there will now be a qualifying test. Under this two-part test, you will first be required to apply a formula that exempts certain expenses such as food, rent, etc., to see if you can afford to pay 25 percent of your “non-priority unsecured debt” (credit cards, medical bills and the like). Second, your income will be compared to your state’s median income.
If your income is above your state’s median income, and if you can
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