Should you consider filing for bankruptcy

‘Should I file for bankruptcy?’ this question seems to hover in most individual minds experiencing major financial crisis. In general bankruptcy isn’t the first thing to consider. But, severe financial obligations, heavy debts, unemployment may glide one’s mind towards considering filing bankruptcy.

But it’s important that you study all your options before you opt to file for bankruptcy. If all the other resources and avenues have exhausted leaving filing bankruptcy as the only outlet, then just go for it without being embarrassed about it.

Bankruptcy gives you a chance to end the financial mess, turn your life around and begin building it up again newly. Bankruptcy also stops foreclosure, puts an automatic stay on further collection of debts and gives relief from the burden of overwhelming debts.

Personal/Individual Bankruptcy can be classified as Chapter 7 bankruptcy and Chapter 13 bankruptcy. Chapter 7 or also called straight bankruptcy is concerned to liquidation where the insolvents assets and resources are liquidated and the debtor is relieved from further liabilities. On the other hand, Chapter 13 also known as wage earner/re-organization bankruptcy deals with restructuring the debts and providing various adjustments to clear your debts over a period of time.

But you should always seek advice from an expert bankruptcy attorney before filing for bankruptcy. This way you come to know if you have other alternatives or if you are eligible to file for bankruptcy. Bankruptcy attorneys, being legal experts at bankruptcy law, advise and guide you appropriately.

In brief, Bankruptcy filing for any individual ought to be a great alternative to discharge current financial situation and start fresh.

Bankruptcy and its Benefits

The term Bankruptcy is often looked with suspicion and fear, but the fact remains that for many people, it is the best option to escape the stress of insurmountable debt and to gain a new financial start. Here is a list of some potential benefits in filing bankruptcy for protection.

Benefits of Bankruptcy

·         Puts an end to harassing letters and phone calls from debt collectors during the bankruptcy process.

·         Stops repossession of your property and may force creditors to return property that was already repossessed.

·         Stops wage garnishment during the bankruptcy process. 

·         Puts an end to the foreclosure process and provide you with enough time to catch up on your payments.

·         Provides you with an opportunity to dispute any claims made by your creditors that you believe are false or inflated in an effort to gain more from you than what they are owed.

·         The most important benefit of all is that bankruptcy allows for the discharge, or forgiveness, of most, if not all, of your debts. Once you receive a bankruptcy discharge, you are not required to pay off those forgiven debts.

If you are seriously thinking to file for bankruptcy protection, then it is beneficial to consult a bankruptcy attorney who can guide you through the often complicated and confusing process. Having an attorney on your side will certainly provide you with the peace of mind that comes from knowing that you have all your bankruptcy bases covered.
 

About marine engineering?

Marine Engineering, a branch of engineering, deals with the design, development and maintenance of the equipment used at sea and on-board sea vessels like boats, ships etc.  Marine civil engineering also has many sister fields like naval architecture and nautical science and is often aimed at battling erosion and flood risk management, or providing navigational access. In simple words, Marine Engineering defines the research carried on in oceans, the coastal area and the inland waters connected to the sea. The Marine civil engineering course involves construction and maintenance of ships and other sailing vessels. There are different branch in engineering like civil engineering, coastal engineering, marine engineering etc.

Filing Bankruptcy – An option that relieves from debt stress

Buried under the heavy burden of debts and filing for bankruptcy remains the last way out? Falling behind on debts and unable to pay mortgages on time often makes an individual consider - Can I file for bankruptcy or should I file for bankruptcy? These thoughts usually run through a debtors mind as bankruptcy could be the last resort they opt for to clear their debts & it remains on one’s record.


No one thinks this could possibly happen to them until reality kicks in and filing bankruptcy is the last resort. People, who consider or file for bankruptcy, ordinarily encounter several financial obligations that they are unable to keep up with. These debts could be the consequence of financial hardships and adversity like unemployment, medical expenses, car loans, credit card bills, extended and unpaid credit, or merely over expenditure.
Bankruptcy is a secure solution that legally frees you from your debts and gives you a chance to start fresh.Bankruptcy usually is a federal court proceeding in which an insolvents assets & resources are liquidated and the debtor is relieved from further liabilities. Bankruptcy can be classified into Chapter 7 Bankruptcy and Chapter 13 Bankruptcy.
Chapter 7, also known as straight bankruptcy is pertained to liquidation, where as Chapter 13, known as wage earner/ reorganization deals with reorganization of debts & rendering various adjustments to clear your debts.
Bankruptcy being a federal court procedure, it’s of extreme importance that you consult an experienced bankruptcy attorney. Bankruptcy attorneys give you apt legal advice and guide you as you file a court petition for bankruptcy and throughout the bankruptcy process.
On successful bankruptcy discharge, one can start fresh without the burden of debts.

10 Ways to Treat & Prevent Heel Pain

Every time we walk we put tons of stress on the feet. Though the feet are capable of handling a heavy load, too much stress can cause foot pain to develop; especially in the heel. The heel is the first part of the foot to contact the ground when walking. Undue stress on the heel can cause heel pain; that hampers our routine life-style. 

Elderly people and those with an active lifestyle, such as athletes, are more prone to heel-related problems.

Heel pain is generally the result of too much stress on the heel bone and the soft tendons and muscles that attach to it. It also results from bruises, injury, wearing uncomfortable footwear; or obesity.

The most common problems associated with heel pain are:

Heel Spurs: visible by X-ray, appears as a bony-growth extending forward up to half an inch from the heel.

Plantar Fasciitis: this condition occurs when fascia, a connective tissue running along the plantar surface or base of the foot, is torn and inflamed. It commonly occurs while running and jumping.

Excessive Pronation of the arch: Pain in heel can occur due to flattening of the arch of the foot. In normal motion, pronation allows the feet to adapt to ground and absorbs shocks while walking.

Achilles tendinitis: or the inflammation of the Achilles tendon can cause pain at the back of the heel.

Apart from these, heel pain can be a symptom of the following conditions:

-Rheumatoid arthritis

—Bursitis, or inflamed bursa

-Haglund's deformity

—Bone fracture or bruise

-Improper footwear

-Obesity

Heel Pain can be alleviated by a combination of techniques like rest, icing and medication. Surgery is rarely necessary.

Rest - Adequate rest drives the process of healing. Immobilization gives rest to the injured tissue and prevents further worsening of the damage.

Apply Ice - Icing is very effective to control any type of foot pain. Applying ice pack to the injured area reduces the swelling on your feet.

Recommended Stretches - After taking sufficient rest, the podiatrist will recommend stretches to bring your heel back to normal movement and flexibility.

Medications - You can take anti-inflammatory medicines like Ibuprofen to relieve the pain.

Shoe Insert/Splint - to provide support to the heel when walking.

TIPS FOR PREVENTION

Wear shoes that are flat and roomy. And have support for heels.

Before exercising, warm up and do stretching exercises.

Do not stress an injured heel further. Seek medical aid immediately.

Why You Should See A Podiatrist First For Heel Pain

Podiatry is a division of science & medicine completely dedicated to the study, diagnosis and proper medical treatment of foot, ankle and lower leg disorders. Foot doctors and foot specialists, more appropriately called Podiatrists or Chiropodists (old title), are professional experts who specialize in the medical treatment and care of the feet, ankle and the lower section of your leg. 

A wide range of foot ailments like foot pain, heel pain, plantar fasciitis, PTTD, hammer toes, bunions, flat foot, ingrown toe nails and many other foot disorders are effectively diagnosed by a podiatrist. Be it something simple like an athlete’s foot, ingrown toenail to other complex disorders like heel spurs, hammer toes, bunion, and stirring all the way up to chronic foot disorders like diabetes, and arthritis. The foot specialist often recommends treatment and care that provides relief for those suffering with different foot disorders.

The feet, ankles and lower legs support the entire body structure. The foot, the ankle and legs go through a lot of stress, ligament wear and tear, during activities like walking, running or while performing any sport activity. This leads to many people complaining of foot pain, heel pain or develop other foot disorders.

Lately we have many foot specialists. To elaborate the term Podiatrist more - 

There are Podiatric:

• Pain Specialists – specialize in heel and foot pain
• Foot Surgeons – specialize in surgical treatments and orthopedic procedure

The main objective of a podiatrist is to keep your feet happy, healthy and in excellent form.

The medical advice of a foot doctor may depend on the diagnosis of the ailment and its severity. For simple and minor foot problems, all you may get is medical prescription of Non-steroidal anti-inflammatory drugs like ibuprofen to reduce pain and complete foot rest. But for serious, intense problems you may be recommended orthotic devices which help you recover soon. The orthotic devices and shoe inserts also facilitates while your walking and avoids pressure on the foot. These custom-made foot device give your foot arch proper support and improves your gait while walking. For some cases like heel pain a physical therapy is adviced to encourage the healing process. For more severe cases like PTTD, a surgery may also be suggested. Basically it depends on the how serious the ailment is or if the ailment is at a critical stage.

On successful completion of treatment, you experience less pain and your feet feels good. But it’s essential that you don’t immediately go back to standing on your feet. Also don’t try anything like trimming corns and calluses at home, let your foot doctor do the job.
You feet needs rest; give them the rest they deserve. Visit the podiatry clinic on regular basis, so the podiatrist can examine your foot and prevent further complications (if any).

One well-known podiatrist is Dr. David Mednick. You can easily schedule an appointment with this foot doctor in California who handles diseases like hammertoes, heel pain, PTTD, ankle instability etc. He also extends his services as an expert podiatrist in Milpitas and San Jose.

 

Chinese Spring Festival

Xin Nian Kuai Le (i.e. Happy New Year)

One of the oldest and most significant festivals, the Chinese Spring Festival is well-known globally.  It is the time of the year, where millions of Chinese people staying abroad, travel to china and throw their selves into the festive mood by celebrating the Chinese Lunar New Year. Each year is named after an animal and the year 2012 is the year of the Dragon.

Since the Chinese use a lunar calendar, the date of the Spring Festival differs each year. It usually takes place during the end of January or the beginning of February.
The spring festival includes two weeks of magnificent celebration. For the Chinese this is a time for family celebration, and a way to give respect to the family ancestors and the gods. To prepare for the Chinese New Year, the Chinese decorate their houses with peace & luck signs, couplets, and red lanterns.
On the first day, people go to the temple to worship ancestors, given offerings for blessings and welcome the New Year. Another tradition is the elders of the family hand out money in red envelopes to the young as red symbolized luck and prosperity.
On the Chinese New Year's Eve, their homes are lit up and every one gathers for a grand family feast. Large delicacies like dumplings, spring rolls, fish, meat, chicken, noodles, etc. are prepared and served. Most people stay up late to enjoy fireworks or merely watch the grand celebration on TV.
Activities like dragon lantern dancing, lion dancing, and lantern carnival take place on the first day, New Year's Eve, and on the last day with the completion of the Lantern Festival.
This officially marks the end of the Chinese spring festival.
To know more about the Chinese culture and traditions, learn to speak Chinese. Nowadays we have great sources available online. All you have to do is browse at your convenience, from the comfort of your home and take lessons online. You don’t event have to drag yourself to a learning center.
Learn Chinese online and know more about the Chinese culture.