Posted on

A Chapter 7 Attorney In Oak Park Il Can Help You Through The Bankruptcy Process

byAlma Abell

When most people think of the word “bankruptcy”, they think of a Chapter 7 personal bankruptcy filing. Under Chapter 7, most of the filer’s debts are eliminated, but they have to surrender some of their assets in order to pay those debts. Read on to learn more about this commonly used chapter of bankruptcy.

Criteria for Chapter 7 Personal Bankruptcy

Under changes to US bankruptcy law, a two-part means test is used to determine if a person is eligible for Chapter 7. Those parts are as follows:

[youtube]http://www.youtube.com/watch?v=deywxUgIGPI[/youtube]

* Ability to repay -; The court plugs the debtor’s income into a formula that excludes necessary expenditures such as rent and food, and determines whether the person can repay at least ¼ of his or her unsecured non-priority debt.

* Comparison to the state’s median income -; The filer’s income is compared to the median in the state. If the person earns more than the median and can pay back 25% of his or her debt as mentioned above, they are ineligible for Chapter 7 and must use Chapter 13 instead.

During the six months before filing, the debtor must consult a credit counselor and attend money management courses to earn a debt discharge. Most filers also consider hiring a Chapter 7 Attorney in Oak Park IL during this time.

Automatic Stays

Once a person files for Chapter 7 bankruptcy, their estate is under an automatic stay, which legally prevents creditors from engaging in further collection attempts without the court’s permission. The stay provides protection from repossession, foreclosure, eviction, wage garnishment and utility shutoff.

The Bankruptcy Process

During a Chapter 7 case, the court will appoint a trustee to work on your estate. The trustee’s job is to ensure that your creditors receive as much as they can get; the more assets the trustee can recover, the more creditors get. The trustee reviews paperwork filed with the court, and asks the debtor questions about his or her assets during a creditors’ meeting.

After the meeting, assets are classified as exempt or non-exempt, and the latter are liquidated. Once the trustee has disbursed the proceeds of the sale of the debtor’s assets, most of the leftover unsecured debt is discharged. The Chapter 7 process usually takes about six months to finish. A Chapter 7 Attorney in Oak Park IL with can recommend the right bankruptcy chapter for your situation.

Posted on

Will Wikimedia “run on Sun”?

Wednesday, January 9, 2008

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

An internal Wikimedia communiqué was leaked over the weekend. Like many e-mails, the document is a chain of forwards, replies, and attachments. The attached Portable Document Format (PDF) file was from a PowerPoint presentation, entitled “Wikimedia Foundation: Past, Present, and Future”. The presentation is watermarked confidential, do not distribute, and details the Foundation’s recent financial, technical, and traffic history, outlines near-term forecasts for all three, and makes suggestions for slightly longer horizons as well. By itself the document led to several inter-connected news stories.

Retrieved from “https://en.wikinews.org/w/index.php?title=Will_Wikimedia_%22run_on_Sun%22%3F&oldid=1623937”
Posted on

Gaza looters destroy Palestine Authority property

Saturday, September 17, 2005

Frenzied destruction of empty Jewish settlements in Gaza by Palestinian looters have marred plans for exploiting those facilities to create much needed jobs for the area.

Greenhouses in Gaza have been partly destroyed as crucial equipment was stripped by the Palestinians. Looters took everything from water pumps, plastic sheets, tubing and equipment. This makes at least one third of the hothouses at least temporarily unusable to feed the families of Gaza and for potential export to Israel.

The facilities were purchased by a group of Jewish-American donors and given to the Palestinian government to encourage economic development. It was initially anticipated over four thousand Palestinians could be given work at the greenhouses, however all offers have been suspended prior to the damage being assessed and repairs arranged.

Retrieved from “https://en.wikinews.org/w/index.php?title=Gaza_looters_destroy_Palestine_Authority_property&oldid=2459927”
Posted on

Qatari proxy IP address temporarily blocked on Wikipedia

Tuesday, January 2, 2007

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Wikipedia blocked editing by a proxy IP address [1] belonging to Internet users in the Middle Eastern kingdom of Qatar for a period of twelve hours due to persistent vandalism originating from the IP.

Only one provider of high-speed Internet access operates in Qatar, and this provider has configured its network such that all its users share the same single IP address. In most cases, a single IP address corresponds to one user or a small group of users in one building or school. Because of this single-address configuration, Wikipedia was not able to implement its usual countervandalism solution, the blocking of individual IPs or user accounts. Wikipedia said that the action was taken after 200 repeated vandalism edits of the articles on sex, the United States, and the birthday of the prophet Muhammad.

A spokesperson for Wikipedia, said: “Qatar has not been banned from Wikipedia. Apparently Qatar basically has only one ISP, and nearly all of its traffic shows as coming from a single IP address.”

Jimmy Wales, the Wikipedia founder, emphasized the temporary nature of the block, saying, “This IP number was temporarily blocked for less than 12 hours, and a block of an entire nation would go absolutely against Wikipedia policy.”

At 21:26 UTC (5:26 p.m. ET) a Wikipedia admin unblocked the IP address with the reason given as: “This IP is the address for the entire nation of Qatar; it should not be blocked.”

Qatar only has around 219,000 Internet users, and much less of that number would actually be affected by the block.

Retrieved from “https://en.wikinews.org/w/index.php?title=Qatari_proxy_IP_address_temporarily_blocked_on_Wikipedia&oldid=439231”
Posted on

Buying A Car With A Bad Credit Record

By Roy Thomsitt

People with a poor credit record are likely to have as much need for a car as anybody with a good credit record. However, if they want to buy a car, that bad credit blemish may make life difficult for them.

Regardless of whether it is your own fault or not, having a damaged credit record will affect the way your application is received if you want to buy a car through a loan. However, it is still possible to get a car loan, even if your credit record is not perfect.

[youtube]http://www.youtube.com/watch?v=w_id0duA7I8[/youtube]

In fact, you will find plenty of companies offering loans for any purpose, including car purchase, even for those people with bad credit. As you would expect, however, the worse your credit record is, the higher the interest rate is likely to be, and the fewer the options you are likely to have. Much will also depend on whether you own your own home or not. With a home of your own, in which you have a sufficient amount of equity, you stand a chance of getting a secured loan to buy a car. Such a loan would undoubtedly be cheaper than an unsecured or bad credit personal loan; however, your home would be at risk should you default on the loan, so that is certainly something to take into account.

As always with any spending decision when your finances are not healthy, it makes sense to seriously consider whether you really need a new car now, while your credit record is bad, or if you can wait until it has been restored to normal. If the poor record is fairly recent, that can be a bit of a long wait in the UK, though in some states of the US that is less of a problem.

In trying to assess if you really do need that new car, you have to take into account the fact that it is a depreciating asset; but then, that will apply to your new car too. What is perhaps more important is the age of your current car and the likelihood of extra car maintenance costs and repairs as time goes on. This is a dilemma most of has faced at one time or another: do we get the car repaired, and keep it going a few more years, or do we cut our losses and sell now, or trade in. Keeping a car going when it has seen much better days can be throwing good money after bad, so it may be that you do need a loan for a replacement car, regardless of your credit status.

Once you have made a decision to replace the car and to do so by getting a loan, then it is a good time to work out your monthly budget to ensure you are not going to slip behind with the payments again. try to allow plenty of scope for car maintenance, servicing and repair, as well as for fuel, road and vehicle taxes. To help you get back your good credit rating over time, then it is worth cutting back on your own expectations for a car; it may make sense to get something more modest and cheaper than you would ideally have liked.

When it is time to go out and get the actual loan, to buy the replacement car, just make sure you shop around. It is so easy to do online, and you will have many companies to choose from. To keep track, it is worthwhile printing out the relevant pages from the sites on your shortlist. Then, take the details away from the pc and quietly go through them and compare the options. You are more likely to take a detached view if you approach your decision that way, rather than just staying online and hitting the send button impulsively.

About the Author: This debt bad credit car loan article was written by Roy Thomsitt, owner author of the Eliminate Credit Card Debt Now website:

eliminate-credit-card-debt-now.com

Source:

isnare.com

Permanent Link:

isnare.com/?aid=11179&ca=Finances

Posted on

Voracious fish defend coral reefs against warming, say scientists

Saturday, October 5, 2019

In findings published on Wednesday in Science Advances, researchers from the Georgia Institute of Technology (GT) and University of South Carolina Beaufort, both in the United States, reported warming seas appear to decrease the efficacy of the chemical compounds that corals release into the water to defend themselves from bacteria and encroaching seaweed, but these losses may be mitigated if there are large numbers of hungry fish around.

The research was led by Mark Hay, a marine ecologist and Regents Professor at GT, who said “There is a lot of argument now about whether local management can help in the face of global stresses — whether what a Fijian village does matters when people in London and Los Angeles burn fossil fuels to drive to work”. Hay added, “Our work indicates that local management provides a degree of insurance against global stresses, but there are likely higher temperatures that render the insurance ineffective.”

The researchers examined three types of coral in reefs off the coast of Fiji, Acropora millepora, Porites cylindrica, and Pocillopora damicornis. Some of these reefs were in areas where fishing was prohibited and some were not. The researchers found when fish were plentiful, they would eat algae and seaweed off the corals, which appeared to leave them more resistant to the bacterium Vibrio coralliilyticus, a bacterium associated with bleaching.

The researchers suggested the algae, like warming temperatures, might render the corals’ chemical defenses less effective, and the fish were protecting the coral by removing the algae. They reported, “Macroalgae are suggested to disrupt coral microbiomes via transfer of allelochemicals or microbes or release of dissolved organic carbon that affects microbial growth”.

P. cyclindrica and P. damicornis are known to be function under conditions that damage other corals and A. millepora is not.

Each reef-building coral unit is a collection of polyps living in symbiotic partnership with zooxanthellae algae. The polyp, a cnidarian as are jellyfish, provides stinging protection and secretes a calcium shell, and the algae performs photosynthesis, produces oxygen and gives the coral its color. Changing ocean environments have led to a phenomenon called coral bleaching when warmer waters cause the cnidarian to expel the algae from its body, which turns the coral reefs white. This does not kill the cnidarian partner but does leave it badly weakened and vulnerable to disease.

Retrieved from “https://en.wikinews.org/w/index.php?title=Voracious_fish_defend_coral_reefs_against_warming,_say_scientists&oldid=4521659”
Posted on

Small plane with one pilot crashes near Virginia airport

Wednesday, April 1, 2015

A small plane, piloted by sixteen-year-old Ryan McCall, crashed near Orange County Airport in Virginia, at about 9:45 a.m. local time Sunday morning, police said. He was killed in the accident.

The boy, Ryan McCall, a sophomore at Riverbend High School in Spotsylvania County, was alone on the plane. The plane, a 1974 Piper, model PA28140, crashed in a field just east of the airport. The plane belonged to Springfield, Virginia resident William Rushing III.

Flying instructors suggested birds might have contributed to the crash. The Federal Aviation Administration (FAA) and the National Transportation Safety Board (NTSB) are continuing their investigation as to what actually happened. Sixteen-year-old pilots are common, according to Virginia Aviation Board President Johnny Meza. He said a sixteen-year-old flying either alone or with a certified pilot is allowed. The NTSB predicted five to ten business days for a preliminary report.

The Spotsylvania County school district sent out a memorandum saying the school’s administration is working with counsellors to help students cope with the loss of their classmate. The statement said in part, “We were very saddened to hear the news about the death of Riverbend High Sophomore Ryan McCall.” Grief counsellors were available at the school to provide support to students.

The boy’s remains were sent to a medical examiner’s office for autopsy.

Retrieved from “https://en.wikinews.org/w/index.php?title=Small_plane_with_one_pilot_crashes_near_Virginia_airport&oldid=3395840”
Posted on

UK defers junk food deals, advertisement restrictions

Tuesday, May 17, 2022

The United Kingdom Department of Health and Social Care on Friday postponed restrictions on multibuy promotional deals and online and TV advertising for junk food products by one year.

The deferral affects a ban on deals incentivising multiple purchases of foods high in fat, salt or sugar, including buy one, get one free and complimentary refills for soft drinks, and on paid TV advertisements before 9pm and online.

A Department press release attributes the delay to the “unprecedented global economic situation”, and states that it is hoped postponing restrictions will give businesses “more time to prepare for the restrictions on advertising”, and allow the government to “review and monitor the impact” of the multibuy ban. It said: “Economies across the world have been affected by higher than expected global energy and goods prices, leading to increased costs across supply chains which are affecting both businesses and consumers.”

The delay of the ban on multibuy deals would last until October 2023. Due to delays in implementing the Health and Care Bill 2021, the advertising ban is postponed until January 2024. Restrictions on the placement of such products in stores, at checkouts and on supermarket websites and apps will enter into force from October 2022, as planned.

Campaigner and chef Jamie Oliver called it “a wasted opportunity” that “starts to erode the whole obesity strategy”. He urged “real leadership” from Prime Minister Boris Johnson “to give young people a healthier and fairer future”.

Oliver was joined by Barbara Crowther of the Children’s Food Campaign and Graham MacGregor, cardiologist and campaigner at Queen Mary University of London.

Whilst Public Health Minister Maggie Throup said “we’re committed to doing everything we can to help people live healthier lives”, her Labour counterpart Andrew Gwynne called it a reversal.

The press release read: “Addressing obesity remains a priority for government, and will reduce the strain put on the NHS as it works to tackle the COVID-19 backlogs.” Media, Data and Digital Minister Julia Lopez cited spending £550 million “to level up access to sport and physical activity right across the country” as evidence of determination “to tackle childhood obesity”.

Gwynne argued: “Johnson’s desperation to cling onto his job means the ideology of Conservative MPs is being placed above children’s health […] Instead of cutting childhood obesity, preventing ill-health and easing pressure on the NHS, this chaotic government is performing another U-turn.”

The Independent wrote of backbench Conservative MPs having reportedly criticised the deal as evidence of a “nanny state”.

Johnson is reported to have made the decision after leading a ministerial meeting on the cost of living Wednesday. The Times reported ministers told him of the cost the bans would have on the food and advertisement agencies. Further, The Guardian and The Independent wrote of rumours the government could simply axe the restrictions, some of the toughest in the world. MacGregor said “Johnson could have left a legacy of being the first prime minister to address obesity in a meaningful way”, but “he has given in to his own MPs, and an aggressive food industry, who, ironically, were starting to comply”.

When first announced in November 2020, 800 food and drink manufacturers, including Britvic and Kellogg’s, called the ban on junk food advertising “disproportionate”, adding “the evidence base underpinning these proposals is lacking in both detail and efficacy”. Kellogg’s last month sued the government over the restrictions on product placement in prime locations in stores.

The Food and Drink Federation said the delay “makes sense” in response to “high inflation”, though the Children’s Food Campaign argues multibuy deals do not save consumers money, but instead increase junk food purchases. Figures published on Friday indicate two in five Britons are buying less food as the Bank of England warns inflation could top 10% this year.

The press release promised a public consultation on TV and paid-for online adverts in the next weeks.

Broadcasters could lose over £200 million in annual revenue if the ban on junk food advertising past watershed hours goes ahead.

The government touted its calorie labelling laws passed last month, and measures taken to help alleviate the cost of living. The Department also promised the publication of a Health Disparities white paper and launch of a Better Health: Rewards scheme to address obesity.

Retrieved from “https://en.wikinews.org/w/index.php?title=UK_defers_junk_food_deals,_advertisement_restrictions&oldid=4678502”
Posted on

Feet Together Drill Is A Classic Full Swing Golf Tip

By Max Johnson

It is really funny how golf driving ranges or practice facilities and the driving range equipment they use are so different even though they are trying to serve the same customer base. I will give you two distinct examples of a high-end practice facility and for a lack of a better term a lower-end driving range. Both of these facilities are within twenty minutes from my house. Keep in mind that both of these practice facilities are charging the basically same rates they are two totally different experiences.

Can improving your golf swing be as easy as just putting your feet together? The answer is, yes! Can golf instruction really be that easy? Yes. Let me explain why.

The feet together drill is definitely an oldie but a goodie when it comes to full swing drills. This full swing golf drill promotes many good things such as good balance and rhythm as well as improves your timing during your golf swing. Below we will discuss the ins and outs of this simple golf drill and what it can do for you.

[youtube]http://www.youtube.com/watch?v=bQfjb530Aew[/youtube]

To do this golf instruction drill, address the golf ball for a full swing and simply put your feet together. Once in position, take a few “small” swings with a golf ball on a tee no matter what your handicap is or is not. The more comfortable you become swinging with your feet together without losing your balance the larger swing you can make. Once you are comfortable and are hitting good shots off of the tee, then you can place the golf ball on the ground.

As you will quickly find with such a narrow balance point, this drill with your feet together tests and promotes good balance and pace during your golf swing. Your goal is to hit a solid golf shot and not to hit it 300 yards. The feet together drill demands that you swing within your capabilities or you will find yourself literally falling down!

If you are not hitting solid golf shots during your rounds of golf, do the feet together drill whenever you start to lose confidence in your golf swing. If the golf ball keeps going to the right for a right handed golfer then drop your right foot behind you until the right toe is equal with your left heel and make some swings. This will promote the golf club releasing and in a perfect world, you should start to see the ball turning to the left while in the air.

The feet together drill is known as a classic golf drill that is used by young and old golf instructors that will help you improve your golf swing. It does this by training you to hit solid golf shots. No matter what direction your golf ball is moving, this golf drill will have you hitting it straight in no time at all. Good luck and we will see you on the range!

About the Author: Max Johnson of VGS Golf & Country Club Supplies Click for a

Golf Tip

. Click for more on

Golf Drills

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=339173&ca=Sports

Posted on

Category:Featured article

Shortcut:WN:FA

Featured articles are selected by the community to represent the best of Wikinews. See the Featured Article Candidates page for nominations and discussions of candidate articles for this page. Or, subscribe to the RSS feed!

[edit]

Pages in category “Featured article”

Retrieved from “https://en.wikinews.org/w/index.php?title=Category:Featured_article&oldid=2870736”