Understanding What A Personal Bankruptcy Means For You

Safeguard your most valuable asset?your home. Filing for bankruptcy does not mean you have to lose your home. For instance, if your home value has dropped recently, or even if you happen to hold a second mortgage, you may not necessarily lose the home. There are also homestead exemptions which, depending on your other finances, may allow to remain in your home.

After filing bankruptcy, many people refuse to use credit cards or get loans. However, building a good credit history requires that you occasionally use credit. Avoiding credit altogether prevents you from rebuilding your credit standing, and will therefore serve as an obstacle when you wish to finance a house or a vehicle. Start with one single credit card, and rebuild your credit once more.

Don?t file for bankruptcy until your represented by an attorney. It is unlikely that you will be able to comprehend all the various rules and regulations involved in bankruptcy law. An attorney will make sure that everything is being done correctly.

Obtain copies of all credit reports about six months after the bankruptcy petition has been approved. Check to make sure your credit report accurately reflects your recently discharged debts. If there are any errors, make sure that you take action to resolve them as soon as possible.

You should not let your bankruptcy lawyer take complete charge of your case. Your attorney is a professional who knows about laws regarding bankruptcy, but you should still know as much as you can about the proceedings. You might feel overwhelmed by the process and want to leave your bankruptcy entirely up to your attorney, but stay involved ? your financial future is involved.

After your bankruptcy goes through, avoid taking on new debt. There are lenders out there who will try to tempt you with high interest loans and credit cards which are directed towards people who have gone through the bankruptcy process. There are normally the strings attached of high interest rates. You need to maintain tight control over your finances following bankruptcy; using unfavorable credit offers can land you in serious debt trouble all over again.

If you are in a situation that may result in bankruptcy, you will probably have a lot of contact with creditors. You should always get written documents to support any agreement you make with them. Any flexibility with creditors can affect the process of bankruptcy, as long as it is recorded.

Figure out what caused the financial situation you are in right now. Unexpected medical bills is one thing, but blowing money on shopping is another. If you have a history of buying lots of useless junk on credit, you may require professional help, lest you find yourself in this situation against in a few years.

It?s important that you understand what bankruptcy is and how it will change your life before you attempt to file a claim. The United States Some valuable resources include the U.S. Dept of Justice and American Bankruptcy Institute. The more knowledgeable you are, the more you can be sure that you are making the right decision and that you are taking the right steps to ensure your personal bankruptcy goes as smoothly as possible.

Bankruptcy is extremely popular nowadays due to the terrible economy. When deciding how to tackle your bankruptcy, make sure that you employ the advice that you read here.

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Positively Naperville | Frontier Sports Complex Skate facility ...

Facility will remain closed until repairs are complete

The skate facility at Frontier Sports Complex, located in south Naperville and behind Neuqua Valley High School, was vandalized sometime between the evening of Monday, May 14 and Tuesday, May 15.

Two of the ramps were inscribed with graffiti and attempts made by parks staff to remove it were unsuccessful. A contractor will be called in to make repairs.

It is anticipated that the Frontier skate facility will be closed for approximately one week.

Anyone who may have information about this incident is asked to please call Naperville Crimestoppers at 630-420-6006 or the Naperville Police Department at 630-420-6666.

Created in 1966, the Naperville Park District is an independent, municipal agency serving the recreation needs of its residents. An Illinois Distinguished Agency since 1994, the District is one of only 1% of park districts across the country to be nationally accredited through the Commission for Accreditation of Park and Recreation Agencies (CAPRA). The Naperville Park District?s mission is to provide recreation and park experiences that enhance the quality of life for our community, including benefits such as community health, environmental education, social connections, and personal growth. The District maintains and operates more than 2,500 acres with 140 parks and facilities and provides more than 1,400 recreational, arts and environmental programs and special events annually. Included within the District?s operations are two championship golf courses, a multitude of playgrounds, trails, athletic courts and sports fields, two inline skating and skateboarding facilities, the Millennium Carillon, a paddle boat quarry, historic Centennial Beach, and the beautiful Riverwalk.

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RTT Denton- | Scott Brown Real T Team

The Real T Team Realtors Denton, Texas are ready for an amazing week this week and we?re most certainly gearing up for an amazing season!? We have been waiting, like many in Denton, Texas, for this crazy heat wave to pass and give us some immediate relief.? But, as reported on TV there is practically no end in sight!? Which makes buying, selling, listing or showing a home almost impossible.?? There?s so much to do right now as the housing market sits in the blazing heat, but there are too many awesome folks in the area that simply won?t get out it in ? and we most certainly don?t blame them!

The Real T Team Realtors Denton, Texas has more listings now than ever before, and we have more agents, more realtors, more brokers and more showings than ever before.? This, in large part to the amazing, faithful and loyal customers we have that continue giving us referrals to? their friends, family, neighbors, colleagues and whomever else they may come in contact with.? There is nothing better than a word of mouth marketing strategist, and to do so means you have to be perfect on every house deal.? And that, we are!

The Real T Team Realtors Denton, Texas is super motivated now more than ever.? We have made many home deals over the past summer, especially considering how hot it?s been out here!

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Southwest LRT backers will seek DEED money | Finance & Commerce

Posted: 4:33 pm Fri, May 18, 2012
By Nancy?Crotti
Tags: Department of Employment and Economic Development, Gail Dorfman, Laura Baenen, Metropolitan Council, Southwest Corridor, Southwest LRT, Susan Haigh, TwinWest Chamber of Commerce

Metropolitan Council Chairwoman Susan Haigh (File photo: Bill Klotz)

The Metropolitan Council and business groups will continue to fight for preliminary engineering money for the Southwest light rail transit (LRT) line, even though the Minnesota Legislature denied a $25 million bonding request.

The regional planning agency intends to join the fray of government entities clamoring for a share of the $47.5 million that legislators gave the state Department of Employment and Economic Development to award to capital projects that would lead to jobs and business development.

The Met Council is not able to wait for the Legislature to reconvene because, says Chairwoman Susan Haigh, the failure to land state funds this year will jeopardize a major contribution from the Federal Transit Administration.

?The urgent need for this line requires that we begin exploring other temporary funding alternatives to keep the project on track until the 2013 Legislature has the opportunity to fund the state?s share of the project,? Haigh said in a statement. ?In the coming weeks, I?ll be talking with our local funding partners and the Dayton administration about how to keep Southwest light rail progressing and how to ensure the project remains competitive for federal dollars.?

Bruce Nustad, president of the TwinWest Chamber of Commerce, said the Southwest LRT project needs a minimum of $14 million in state money this year for preliminary engineering to keep its place near the top among transit projects nationwide that the FTA has pledged to help fund.

?If we get $14 million, it will continue to demonstrate local commitment to the project, and it will continue to keep preliminary engineering moving forward,? Nustad said.

TwinWest and the Greater Minneapolis and St. Paul Area chambers of commerce, which lobbied hard for bonding money, will also continue to pursue funding from other sources, Nustad said.

?I think we know where the buckets are, but we don?t know what the availability or the appetite is? for funding the Southwest LRT, he said. ?Conceivably a failure to fully fund preliminary engineering could stall the project. Obviously, a stalling ? would not send a good message? to the FTA, he added. ?Right now the project enjoys a very favorable placement in the federal queue, and we don?t want to give that up.?

The project would still need $9 million to start the final design, said Met Council spokeswoman Laura Baenen.

The council already has $47 million dedicated to this two-year engineering phase from the Counties Transit Improvement Board and the Hennepin County Regional Railroad Authority, she added. The state?s proposed $125 million total contribution would be matched 9-to-1 with federal and county funds to pay up to half the cost of the line.

It?s unclear whether the LRT project would qualify for the DEED bonding money because the line is in the preliminary engineering phase. DEED officials have said they want that money to go to projects that would begin construction during this construction season, said DEED spokesman Monte Hanson.

?At this point, we haven?t even set up the criteria for how that funding will go out,? Hanson said. ?It?s just a little bit early for us.?

The Southwest LRT has stiff competition for the DEED money. The final $496 million bonding bill was two-thirds of the amount that Gov. Mark Dayton requested for bonding projects.

The rejected projects are lining up. As previously reported by Finance & Commerce, Mankato, Rochester and St. Cloud city officials emailed requests for a total of $59.6 million for civic centers to DEED Commissioner Mark Phillips shortly after the Republican-controlled Legislature passed the bonding bill. St. Paul wants $27 million for a new Saints baseball stadium in Lowertown.

The situation is frustrating to light rail proponents.

?The bottom line right now is there?s $47 million on the table to spend for preliminary engineering, but we can?t access all of it without the state committing,? said Hennepin County Commissioner Gail Dorfman, who represents St. Louis Park and the portion of Minneapolis through which the line would run. ?Even though we have enough money to do a year (to) a year-and-a-half of design and engineering work, we?re still required to have a proportionate amount from the state.?

Hennepin County officials had been planning the project for about a dozen years before the FTA committed to funding preliminary engineering in September 2011, giving the green light to the Met Council to take over.

The county intends to lobby the Legislature for more money, Dorfman said. She said it?s not unusual for local government agencies to approach the Legislature multiple times for a state contribution to such a project.

Baenen would not specify how much money the Met Council would seek from DEED.

Meanwhile, the council is negotiating with one of two companies, URS Corp. and AECOM, on the preliminary engineering contract, said Baenen, who said she was prohibited from identifying which one until the council approves the contract.

?Unfortunately, the procurement process remains active, and we are not at liberty to discuss anything until an award is made,? AECOM spokesman Paul Dickard wrote in an email. ?Even then, if we are fortunate to receive the contract, we would need to receive approval from the client to offer any comment, which is standard practice for all of our client-based activities.?

A URS spokesman also declined to comment.

The 15.5-mile Southwest LRT line would run through Eden Prairie, Minnetonka, Hopkins, St. Louis Park and Minneapolis. From Minneapolis, riders could continue on the Central Corridor LRT line to St.? Paul or change trains at Target Field Station for the Hiawatha LRT or the Northstar commuter rail line.

If all goes according to schedule, construction on the $1.25 billion Southwest line would begin in 2014, and it would open in 2018.

This entry was posted on Friday, May 18th, 2012 at 4:33 pm and is filed under Business & Economy, Construction & Development. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed.

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The GI Bill And How It Helps Veterans Further Their Education ...

WWII had ended and troops were returning home to the United States, ready to jump back in to civilian life. Something needed to be done to allow the troops to be reinstated into American life without flooding the job market. The government feared a breakdown of the economy causing another depression. A solution was found in the establishment of the Servicemen???s Readjustment Act of 1944; more commonly called the GI Bill.

The GI Bill has evolved into the Montgomery GI Bill and the Post 9/11 GI Bill. Currently, veterans of the US Armed Forces have access to funding for postsecondary school through the for certificates programs, vocational schools and colleges.

The original GI Bill included provisions for education and training, guaranteed home, farm and business loans, and unemployment pay. The educational benefits of the bill are the most commonly known. Approximately one-half of the 16 million WWII and Korean War veterans used the educational benefits by the time the bill expired in 1956. The diversion of thousands of vets into college kept the influx of workers into the job market manageable.

In 1966, the GI Bill was re-instituted as the Veterans Readjustment Benefits Act, later known as the Vietnam Era GI Bill. A higher percentage of this era???s veterans used the educational benefits of this bill than any previous generation. However, with the onset of the all-volunteer military, the GI Bill ended for those entering the service after 1976.

Enactment of the Montgomery GI Bill

Education benefits remained an outstanding recruiting tool for the military and benefits were provided with the contributory Veterans Educational Assistance Program and the Montgomery GI Bill. The passage of these two programs ensured that veterans would be able to take out home loans and also provided veterans scholarships and matched educational contributions up to 8 times the amount the serviceman provided. The Montgomery GI Bill also allows benefits to be transferred to a spouse or children of the veteran.

Post September 11 GI Bill

In the summer of 2008, Congress passed the Post-9/11 Veterans Educational Assistance Act, which expanded educational benefits for those serving after September 10, 2001. The new bill provides tuition payment, a stipend for books and supplies, a housing allowance and other benefits for vets attending college, vocational school, trade school, or pursuing a certificate program. The benefits are tier-based on the amount of active duty time served since 9/11 and vary from state to state based on the cost of attending a public college.

Without the GI Bill many veterans would be unable to continue their education. The GI Bill continues to help veterans eliminate or lower the cost of education and provides for enough living expenses to make an additional income unnecessary for most veterans.http://www.populararticles.com/

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Here's how you get a piece of Facebook

Danny Moloshok / AP

Facebook's logo is seen at a movie theater in Los Angeles. The social network's stock is expected to start trading on the Nasdaq this Friday.

By Roland Jones

Excitement is mounting for Facebook?s expected debut on financial markets Friday. So if you?re an individual investor, can you get a piece of the action, and should you?

The first thing to remember about IPOs is that they are not normally geared toward individual investors. Underwriting banks typically allocate IPO shares to their best clients, which include hedge funds, wealthy individuals and large institutional investors. These investors will get the right to buy a certain number of shares at the offering price, which is expected to be announced Thursday afternoon. Facebook estimates the offering price will be in the range of $28 to $35 a share.

Some smaller retail investors may get a few shares allocated, especially if they have a good relationship with a broker for one of the dozens of underwriting firms handling the transaction.

If you have not already been in touch with your broker, however, it is too late to even try get in at the offering price. The deadline to express interest was Tuesday afternoon at brokerages we checked with, and the deal reportedly is oversubscribed.

Your only option is to buy shares after they begin trading on the Nasdaq stock market, when the price will be set by the law of supply and demand.

?This is not a strategy for the faint of heart,??said Hugh Johnson, chief investment officer of Hugh Johnson Advisors in Albany, N.Y.?Intense?interest in Facebook?s offering is likely to drive the price up sharply as soon as trading begins, meaning the first public trade could be well above the offering price.

In an example of the type of pressure investors could face, LinkedIn, another social media company, went public almost exactly a year ago at $45 a share and closed at $94 on a volatile first day of trading that saw its shares top $122 at one point.

That means investors lucky enough to get in at the offering price were able to book an immediate paper profit of more than 100 percent or?"flip" shares and cash in. Other investors paid as much as $122 a share for LinkedIn that day and were left with paper losses. (LinkedIn shares currently trade for about $113.)?

Facebook could easily see a similar first-day trajectory, but it is impossible to know. Online investors who place a general order for Facebook stock will get shares at whatever price happens to be prevailing at the moment.

?Is it a sound investment for a sensible portfolio? No," said Johnson. "Is it a worthwhile speculative investment? Sure, but you have to be fully prepared for something that could be a very emotional event. And I have the sense that [the IPO price] could be very overvalued.?

One good piece of news about Facebook?s IPO is there are plenty of shares up for grabs.

In a sign of intense investor interest, Facebook said early investors in the company will be selling more of their shares in the IPO, bringing the total number of shares available to as many as 484.4 million, up from a previous maximum of 337.4 million.

The news came a day after Facebook raised the expected price range for the stock to a range of $34 to $38 per share, up from its previous range of $28 to $35.

Still, despite the increased number of shares on offer, the hype and interest surrounding Facebook?s IPO are precisely why investors should be cautious about investing in the company, said Professor Anant Sundaram of the Tuck School of Business at Dartmouth.

?My concern is the market is pricing [Facebook] to perfection ? and the kind of fundamentals that are premised in that valuation, growth and revenues and cash flows, are simply astronomical,? he told CNBC Wednesday. ?Now it?s possible they could achieve that, but I think the probability is low.?

Sundaram also says the fact that founder Mark Zuckerberg will control more than 50 percent of the company?s voting rights after it goes public is ?very, very troubling.?

While a handful of new technology companies, such as Google, have thrived under the tight control of their founders, the stock ownership structure at Facebook limits the ability of shareholders to take action if things go wrong.?He?said evidence shows tightly controlled companies are more likely to wasteful acquisitions, overpay employees and spend unnecessarily on capital expenditures.

Other technology companies, such as Microsoft and Apple, have fared well without that sort of governance structure, Sundaram said.?

?Basically, as investors we are being asked to liquefy and validate a lot of insider wealth, and being told to sit and zip your lips in the peanut gallery,? he said.

While Facebook is expected to get a big opening-day ?pop,? Kathleen Shelton Smith, co-founder and chairman of IPO research company Renaissance Capital says it?s more important to track what Facebook?s stock price will be a week or a month after its initial trading day.

?For an IPO to work it has to trade higher over time after the initial trading day, and not all of them do,? said Smith. ?So the challenge for the underwriters is to price the IPO where it can move higher over time.?

CNBC's Kayla Tausche reports Facebook's IPO is expected to be priced in the $34 to $38 range after the market closes today.

?The question is, over time will the company deliver the kind of performance that justifies its price? Every investor studying this company wants to work that out.?

For individual investors, it is worth remembering that Facebook shares will be available on Nasdaq for the foreseeable future. Would-be investors can wait a day or two and buy shares when the price is less volatile.

For investors interested in IPOs, but unable to purchase them directly, Smith suggests investing in a mutual fund that track the IPO market, such as the Direxion Long/Short Global IPO Fund (ticker:?DXIIX) or the Renaissance Global IPO Plus Aftermarket Fund (ticker:?IPOSX).

Investing in these funds might even be a smarter play than buying Facebook shares directly. Sundaram said there are many reasons to expect Facebook shares to fall after their opening day.

He pointed to similar technology companies such as?Zynga, which have seen their share prices fall after the expiration of "lockups" that prevent company insiders and major investors from selling for at least 90 days after a stock is first publicly traded.

If Facebook shares manage to hold their value??that would be a remarkable achievement in my book,? he said.

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Physique: Intelligent Workout Planning and Tracking App Now ...

Ottawa-based Interactive Touch Software today introduces Physique 1.0, its new intelligent workout planning and tracking app for iOS devices. Physique helps gym-goers plan and track their weight lifting workout routines with ease so they can improve their fitness, gain strength, build muscle, and slim down. Developed with exercise science principles in mind, Physique pioneers a number of smart features that are intended to streamline users? workouts from start to finish.

Ottawa, Canada ? Physique, the intelligent workout planning and tracking app, is now available on the App Store. Physique helps gym-goers plan and track their weight lifting workout routines with ease so they can improve their fitness, gain strength, build muscle, and slim down. Physique was developed with exercise science principles in mind and pioneers a number of smart features that are intended to streamline users? workouts from start to finish, helping them quickly enter their results and make consistent progress:

* Automatic Weight Progression ? Lifting progressively heavier weights is key to getting results while weight training. Physique has weight progression built right in. By analyzing previous workout results, it determines when to increase users? target weights and by how much. This powerful feature encourages continuous improvement.

* Warm-up Sets ? Warm-up sets help prevent injuries and prepare weight lifters for the heavier sets that follow. With this feature, Physique calculates the best warm-up weights to use and adds them to the user?s workout.

* Integrated Barbell Calculator ? Previously, gym-goers had to calculate which plates to use during barbell exercises. Physique saves users time by displaying an easy-to-understand visual breakdown of the plates used for any given weight.

* Rest Timers ? Keeping workouts consistent from week-to-week is important for measuring overall progress. Physique?s Rest Timer feature automatically adds a timer before each set and advances when finished.

* Intelligent Keyboard ? Users spend less time entering their workouts while using a custom keyboard designed for quickly entering weights and reps.

* Automatically tracks personal records and calculates estimated one rep maxes
* Comes with 10 professionally designed workout routines
* Share completed workouts to Facebook Timeline and Twitter

Physique offers a streamlined, intuitive user experience for both planning and tracking workout routines. Users set up their routine before going to the gym and use Physique to enter their weights and reps throughout their workout. It?s fast to enter weights due to the weight progression and intelligent keyboard, taking as little as two taps per set.

Device Requirements:
* iPhone, iPod touch, and iPad
* Requires iOS 5.0 or later
* 6.9 MB

Pricing and Availability:
Physique 1.0 is $4.99 USD (or equivalent amount in other currencies) and available worldwide exclusively through the App Store in the Health & Fitness category. For more information, please visit the website, review the press guide, or email us.

Physique 1.0: http://physiqueapp.com
Purchase and Download: http://itunes.apple.com/app/physique-intelligent-fitness/id510056260
YouTube Video (Introduction): http://www.youtube.com/watch?v=SOPE7ruJgqE
Press Guide (pdf): http://physiqueapp.com/press-kit/Physique-PressGuide.pdf
Press Kit (zip): http://resources.physiqueapp.com/press-kit/Physique-PressKit-latest.zip

Interactive Touch Software is an Ottawa based company devoted to making iOS apps that are intuitive to use and provide continuous value to users. Copyright (C) 2012 Interactive Touch Software. All Rights Reserved. Apple, the Apple logo, iPhone, iPod and iPad are registered trademarks of Apple Inc. in the U.S. and/or other countries.

About Shauna

Shauna is Editor of The App Register. If you've got app launch or update announcements, she'd love to hear about them. You can contact her via news@mobileindustryreview.com.

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