Listicle What To Expect After Becoming Bankrupt 4:57 PM What To Expect After Becoming Bankrupt Bankruptcy is not for everyone. Here are five bankruptcy stats that may interest you:More than 1.5 million people are filing for bankruptcy every year.40% of those who filed for bankruptcy lost their jobs.Alabama is the state with the highest bankruptcy rate.52% of filers for bankruptcy are male.62% of personal bankruptcies in the United States were due to medical expensesIf you believe that filing for bankruptcy is the best option for you right now, you need the right people to guide you.If you have large debts you can’t seem to cope with and you’re thinking about bankruptcy, you can use Creditfix. You may also wish to get in touch with people like these chapter 11 bankruptcy lawyers in Harrisburg PA to get help from experienced legal practitioners who are more than happy to help you manage your large debt.These financial experts are ready to provide you with good advice before making any definite moves. What can you expect after going bankrupt? What to Expect After Becoming Bankrupt Why do people file for bankruptcy?Why do some people go bankrupt?People can become bankrupt for several reasons.They experience a decrease in their income and an increase in their debts and bills.They may have been retrenched from their jobs.They may overspend and their credit card bills skyrocket.Some are dealing with a divorce or the death of the breadwinner in the family.Or spent most of their savings on medical bills.You can apply for bankruptcy yourself or your creditors may force you. If you owe one creditor over £5,000 you can apply for your bankruptcy. In reality, bankruptcy is an absolute last resort and it’s only advisable for borrowers with unsecured debts of £20,000 and over. If you owe less than £20,000 then you may be better with solutions like individual voluntary arrangements (IVAs) or debt relief orders (DROs). How does bankruptcy work? To declare yourself bankrupt, you must fill out a form at the GOV.uk website. You’ll need to have documents like payslips, bills, council tax letters, rent or mortgage agreements, and the details of all your debts. In England and Wales, it costs £680 to apply for bankruptcy (it’s £669 in Northern Ireland). While this might seem like a lot, you can pay it in installments (minimum of £5) if you pay online. Once your application is in, you can expect the adjudicator to decide in 28 days whether to accept it and issue a bankruptcy order or to reject it. If you’re successful at your bankruptcy application... If you get a bankruptcy order, you can expect all your bank accounts to be frozen immediately. Some or all of your non-essential assets could be sold to pay creditors and the remainder of the debt is written off. If you have enough disposable income, you might be asked to make some ongoing payments each month for up to three years. How long does bankruptcy last? How long can you be bankrupt?Expect bankruptcy to last for 12 months, during which time you’re undischarged bankrupt. Once the 12 months are up, your bankruptcy remains on file for five more years. Credit providers and banks can see this information and use it in their decision-making processes. Is it possible to get credit if you're bankrupt? While you’re filing for bankruptcy, don't expect to get a personal loan or a credit card.During your period of bankruptcy, you won’t be eligible for a bank account that has an overdraft facility or a checkbook. You can make do with a basic bank account so you can pay direct debits and standing orders and receive wages and benefits. What else is affected if you go bankrupt? It’s not just credit offerings like overdrafts and loans that can be affected if you go bankrupt. Expect other services and products can be too. Your insurance premiums may go up as your providers can see that you have been bankrupt recently. This is to cover what they see as an additional risk, as you pay for an annual policy in monthly installments. Alternatively, your insurer may offer you the chance to pay for your whole year upfront to keep down the cost. For large debts, you might sell your house to pay your debts and find a rental property. Finding a tenancy agreement after you go bankrupt can be difficult. Having a financially-stable relative or friend to act as a guarantor is a good idea.Have you ever had a difficult money situation? Did it ever lead to or did you consider filing for bankruptcy?Keep these things in mind so you'll know what to expect after becoming bankrupt.
How-To 5 Ways To Safely Bypass Internet Censorship 4:42 PM 64% of internet users worldwide worry about government censorship.In Mexico, 87% of the population is unhappy with censorship practices. Fortunately, internet users can bypass access restrictions when searching for news and other relevant information online. Government officials censor online information to promote their political agenda. But, there are tools internet users can use to access information and protect their privacy. Here are five tactics that can help you safely bypass internet censorship. 1. Avoid Censorship with a VPN The safest way to bypass internet censorship is to use a virtual private network (VPN). A VPN encrypts your data and protects your anonymity. Use a reliable, paid VPN service instead of a free one that could sell your information.If you spend a lot of time watching TV shows and movies online and have exhausted the options available in your country, you might want to look specifically for the best VPN for streaming movies.2. Use a Proxy ServerGovernments and private network administrators can restrict access to specific websites like YouTube, Facebook, and even Google. You can use a proxy server to work around this – although this method is not as safe as a VPN. A proxy server will disguise a blocked site from your internet service provider (ISP), allowing access to censored content. So, for example if you reside in America and can leverage an IP from this address, using America proxies can bypass geo-restrictions on platforms such as streaming services. Choosing a secure and reputable proxy service can ensure safety and privacy online. 3. Enter the IP Address Instead of the URL Sometimes, censors will bar a web address but not block the Internet Protocol (IP) address. For this, you can enter the IP address to access the website. To find an IP address on your Windows 10 PC or laptop, follow these steps:Run Windows Command Shell. You can find it by opening the start menu and right-clicking on the Windows logo.A single MS-DOS screen will open. Type "ping" in the URL. Your query should look like this: ping google.com The command prompt will then give you the IP address. That should look like this: 172.217.7.238 Enter the IP address into your browser to see if you can visit the website. Note: Websites are transitioning to a new protocol, so you may see a result like this: 2607:f8b0:4004:802::200e This protocol will not work with a browser. If you see this, do a WHOIS lookup instead of using a site. You'll find the correct format to paste into your browser on whois.domaintools.com. 4. Use an Anonymized Browser Autonomous browsers such as TOR are popular among privacy advocates. You should exercise caution when using them, however. TOR is easy to install but requires more expertise to set it up correctly. If you don't do it right, authorities can track your identity. Combine this with a VPN service, and you can access any website worldwide—despite censorship—and be nearly untraceable. 5. Switch to an Uncensored DNS ServerIn some countries, the government controls the DNS. Interestingly, some satellite internet providers are working on solutions that might help reduce dependence on these controlled DNS servers, offering a more open web experience.When this happens, officials can manipulate the registry that tells the region's computers how to resolve a domain name or URL in some countries. You can circumvent this by setting your device to use another DNS server.Google Public DNS, Quad9, and Cloudflare 1.1.1.1 can help you find a DNS that will resolve domain names correctly.Each site offers tutorials on how to use its DNS resource.Takeaway: How to Safely Bypass Internet Censorship The more governments censor the internet, the more the users push back. What's concerning is that private enterprises are joining governments in censoring online information.In the United States, the government has repealed net neutrality protections. Private enterprises can now limit traffic to their competitors. Businesses can also block content from a specific region. Some enterprises have chosen to block access to content from the Eblockedrather than comply with new internet privacy regulations.Using a few advanced tools can help you find ways to safely bypass internet censorship and exercise your right to information.All gifs from Giphy
Faith 7 Lessons I Learned From Ruth While Waiting For My Boaz 8:18 PM So here's the thing about Ruth and why she's a big deal---at least for single women. She's the perfect inspiration for those who are: feeling inadequate feeling flawed scrutinized and marginalized by the cruel society feeling that they've ran out of luck when it comes to finding "The One" tired of doing good and not seeing any good happen to them In short, Ruth is not your ideal woman. People looked down on her because: She was a Moabite. Moabites were descendants of Lot from an incestuous relationship with his oldest daughter. She's a woman, and women during her time were considered property whose value is only a little higher than cows in their society. She's a widow. Some people during her time thinks widows are cursed. Giphy Despite her personal obstacles and the labels people give her, she remained faithful to her mother-in-law Naomi and did what she could to help her. Brushing aside the whispers about her, she went out to glean the barley fields of her late husband's kin, Boaz. That's a quick summary so you may want to read her story to know more. But here's what I got from Ruth. 7 Lessons I Learned From Ruth While Waiting For My Boaz 1. Ruth’s priority was a life of service. Ruth didn’t wait for someone to redeem her after her husband died. She went out there and worked---for her and for her mother-in-law. The only family she has. She could have left her but she didn't. She served her. She knew her priorities. Don’t wait for other people—especially for men to validate your existence or rescue you from where you are. In the end, you're the only one who can save you. Don't be a damsel in distress. Be your own hero. 2. Loyalty and selflessness are always rewarded. She cared for Naomi and never left her side which eventually led her to her future husband Boaz. Even when you don't expect it, your goodness will be rewarded. That's how the universe works. 3. Be confident with who you are. Ruth never let rumors and gossip stop her from going out there and getting what she needed. She ignored the naysayers. She knew she was being judged because she didn’t fit in the society’s standards. She had more important things to think about; she had no time for petty things and petty people. If you know who you truly are, no amount of rumor will make you question your identity. Your reputation is in the hands of others. That's what the reputation is. You can't control that. The only thing you can control is your character. -Dr. Wayne Dyer 4. Be diligent, persevering, and determined. Ruth worked harder than others, which Boaz noticed. Your work ethics, virtues and hard work will speak for itself. Though some people don't appreciate your effort and your goodness, someone will---someone who matters. 5. Be a woman of character. Boaz told Ruth: “All my fellow townsmen know that you are a worthy woman.” What can be more flattering than that? You can’t control your reputation, because everyone's entitled to their own opinion. But remember: not everybody matters. You can’t control other people’s impression of you. Don’t even waste your time trying. However, you do have full and total control of your own character. Be someone your Boaz can be proud of. Be someone you yourself, your children and your children's children can be proud of. Carry yourself with dignity. 6. Stop chasing people. Don’t be desperate. Boaz praised Ruth’s loyalty saying, “You have not gone after a younger man, whether rich or poor.” Never run after a bus, train or man. When one leaves, another arrives. 7. Follow the advice of the wise. Ruth knew she could trust Naomi so she followed her advice. Which turned out to be an effective one because Boaz married her after that. Ruth may not be every guy's fantasy girl, but she’s every man’s ideal wife, judging by her character. People might have treated her like trash, but her character shined so brightly that a man of integrity like Boaz saw what a gem she was. Don’t just sit and wait around for your Boaz. Ruth never did. She lived a life of service and the Lord rewarded her. For God is faithful, and His timing is perfect. Be like Ruth while waiting for your Boaz. Work while you wait and wait in faith. ---- Lessons from The Feast's teachings on Women. Edited from the article I submitted on The Praying Woman.
Music My Own Thing - Red Red Lips 12:49 PM Whenever I need a boost in confidence, I put on some red lipstick. There's something about a woman's red red lips that says: I'm the Girl Boss and I'm doing my own thing. Red Red Lips must've had that in mind when they wrote their song My Own Thing. Because even for someone who's not 100% into rock music like me, I feel pumped up and ready to conquer the world every time I hear this song. Red Red Lips website My Own Thing by Red Red Lips This song is great to play while you're in the shower getting ready for the day, in your car with your friends for a road trip or alone on your way to work, during a workout or run, and anytime you feel doubtful, really. You do your own thing. What I like most is the opening beat. I have to be honest, I keep playing the first part before playing the song in full. Also the "ooh, ooh, ooh, ooh, ooh" in the background is a fun addition. I'm that type of person who sings not only the main lyrics but as well as the second voice. 😂 It's a catchy, feel-good kind of song. I make my own fate The lyrics is also a good reminder that although we make mistakes, we make our own fate. No one is to blame. We are in total control. So we should be ready for the consequences if we decide to do our own thing. It's a fun song that makes you want to groove and again, gives you that same feeling of boldness you feel when you're wearing that red lipstick. Ladies, you know what I mean. Check out more of Red Red Lips' hits on Spotify and Soundcloud. Also check their cool music video for My Own Thing on Youtube. "My Own Thing" from the self-titled debut album "RED RED LIPS". Written, arranged & produced by The Usual Suspects. As heard on TV Series "The Bold Type" Season 3 Promo. The Bold Type Premieres April 9th, 2019. If you like this blog post about life and love, please share the article using the social media buttons below or on the left. Thanks!
Holiday Present To Give The Girl You Love On Christmas 6:10 PM Every year, there is a familiar panic among young men scurrying towards gift shops in a wild chase for the perfect gift to give to the one they love. Even finding a gift for the family is difficult! She is an engineer. Should I give her safety equipment with a construction Christmas card to show her that I care about her? This article will help you find the best Christmas present to give to your girl for the most wonderful time of the year. Present to Give the Girl You Love on Christmas It is a balancing actIf you are still at the early stages of dating or courtship, gift-giving is not just a means to capture her heart but a standard that you are setting for the relationship.If you spend too much, you could be having a hard time topping that the next time you have to give her a gift. However, if you spend too little, you risk losing her for seeming thoughtless or cheap. Gift giving is a balancing act and you should try to tread in the middle for as much as you can especially in the early days of the relationship. Price and Relationship Formula Figuring out the budget that you have to set for the gift is the first step. And the trickiest. A gift is not just a gift and girls are good at picking up the message behind it. Going too strong at the beginning like gifting her something outrageously expensive might either scare her or make her expect more.A friend once gave a girl a ring for Christmas. Even though they only met on the 12th of December. Don't come across like a creeper. If you have just met her and have gone out on a few dates, you should spend no more than a day’s worth of pay for a gift. If you want to go more specific, here are the gifts that you can give her depending on how long you have known each other.Gifts to Give Your Girl Based on How Long You've Met Her One monthGive her a card. Cheap but meaningful. Or get her a bottle of her favorite wine or treat her to a home-cooked meal. Not only will you be giving her a gift, but you get to spend some time with her as well. Three monthsIf you see each other quite often, you could spend a few more to let her know you really like her. By this time, you may already know her likes. What's her favorite book genre? Her favorite color? What does she seem to need at the moment?Maybe a customized gift would do the trick. One yearHere is where it gets really serious and you will have to up your game. Not only should your gifts be valuable. It should be meaningful and a way to express your feelings.If you got this far and you see yourself spending a lifetime with her, you might want to consider giving her an engagement ring. Research like you mean itCourtship may sour knowing that the other person does not seem to care about your interests.If she is an athlete or into fitness, you can give her a yoga mat.If she likes to cook, then a new knife won’t seem like a bad idea. Or if she actually does work in construction, then that construction Christmas card might not be such a bad idea after all. Giving a gift to the one you love can be one of the most satisfying feelings you can experience. Your thoughtfulness can also help you score brownie points with your partner.
Fashion & Style Top 10 Latest Jewellery Trends To Follow In 2019 4:56 PM Every fashion fan waits for the New Year to rejuvenate themselves with the upcoming fashion trend with each new season. With the introduction of the New Year, 2019 there comes the new trend along with it. The bold look has always ruled the runway. Oversize accessories and animal prints are always prevailing everywhere. So the fashion trends also reflect in the jewelry. After all the jewelry completes our look. The most interesting fact is that jewelry can be mixed and matched with various dresses always providing you with a different look. Wearing costume jewelry always adds up to your style statement, but simple, quality pieces never go out of style. So check out some latest jewelry trend of 2019, and spice up your look! Top 10 Latest Jewellery Trends to Follow in 2019 1. Ring Rings are never out of trends, it’s just the matter how you combine them up. Never try to forget the massive rings worn singly or in pairs, doubled or tripled. You can even put them on your gloved and be trendier. So the ultimate thing to follow is to use unusual sets of fashion ring, which is always a win-win option. Don’t step back to try out new things, just go with crazy combinations. You can find amazing collection online with amazing prices by using Bluestone Coupon for Rings. 2. Pearls This translucent gem will take you to the next level of feminism. They are now not your grandmother’s accessories only. The sleek design and the geometric arrangements of the pearl provide them a fresh update this year. 3. Variant earrings Really worried which pair of earring suits your outfit? Don’t then! This latest fashion trend featured in wearing different earnings on each ear. It can either be studs, or danglers, mixing the style and colour forming new and unexpected combinations would help you to grab attention, at the same time add interest to your outfit. via Pinterest 4. Chains Sleek constructed chains form precious metals will always get a thumbs up and totally ready to race in the latest trend. Whether in form of bracelets or earrings, worm alone or forming building blocks, your links always add up to the next level. 5. Silver Are you so sure that nothing is more feminine than a clear crystal? Then you are wrong. Apart from that, if you consider pearl to be more authentic, then, frankly speaking, pearls are worth wearing only after your 20’s, and not earlier. In the latest trend of 2019, the designer’s follow silver to be a new jewelry trend. They are quite elegant and beautiful. They are even more relevant when studded with semiprecious stones or rock crystals. Order best design online at great pricing options by using Candere Coupons for silver jewellery. 6. Animal Print Animal print is prevailing everywhere and never out of fashion, whether it's in your dressing part or your accessories. If you are unable to indulge yourself with leopard pattern pants then showcase your wild side through your accessories. 7. Latest Hoops Hoops always stays stable when it comes to jewelry. We all know about the classic symmetrical hoops and in love to wear them. But this year, there is a new twist. Medium thick and geometrically shaped hooks are also making their ways out. 8. Gemstones Hot hues and bright colours are featured in different materials, but when you are concerned about the jewellery, bright colored stones is what you ask for. Maybe in past years or in the coming trend, real gemstones are absolutely timeless. 9. Bracelets Bracelets are mainly made from metals like silver. Materials like wood and leather can also be added to stylize them as the national jewelry of Greek and turkey. But in this new era of 2019, bracelets will include crystals, chains with beads and pearls. Handmade bracelets would steal its popularity screaming your style and taste. 10. Boho obviously The boho style emerged as an antithesis of glamour but somehow made an entry to the fashion walk in the year 2018 itself and will prevail in 2019 too! In order to maintain the harmony with this style, you need to find something rebellious within yourself. It’s the combination of both, the exquisite and the free hippy style. Boho images can be funny or brave, naïve or sophisticated. It includes the high quality of street fashion. So in 2019 try them to wear in bundles whether it chains, laces or pendants. If you like this blog post about life and love, please share the article using the social media buttons below or on the left. Thanks!
Listicle Spice Up Your Relationship With Him With These Beautiful Gifts 7:30 PM The beauty of a new relationship is that it doesn't require a lot of effort to keep the spice in it.As the relationship ages though, some may feel the loss of attraction and excitement. One of the easiest ways to maintain romance in your relationship is to exchange gifts - especially if it's your partner's love language. Gifts are not only welcomed during special occasions. Some may think shopping for your man could be difficult as the options are limited. So, here are a few great gift ideas to spice up your relationship with him. Spice Up Your Relationship With Him With These Gifts Gadgets Men love gadgets. If your man is a tech geek, there's no better surprise than a gift of a gadget.Make sure that you buy the latest as they tend to upgrade and change quickly.Do thorough research about what gadget you are buying so that you can be sure that you are getting the right product. You would not want to be fake embarrassed by giving him something that is either obsolete or is faulty. If your boyfriend is into Japanese culture and you want to get him something really special, you can use the Japan proxy service to get a unique gadget from the Japanese market. Cuff Links If your guy is a corporate executive, a pair of cufflinks would be an amazing gift. Cuff links are a unique accessory that is intended to be used as buttons but has entered the fashion accessory circuit over time. You can choose to buy a diamond-studded Cartier or something much reasonably priced off the rack from Walmart. Finger Band It is a myth that jewelry such as finger bands is a woman's thing only. They look equally good on a man and helps to add a touch of class and sophistication to his overall look. You can buy the expensive ones or those that are cheap but still stylish. If you want to make it a luxury present you can go for a precious metal such as gold and set a precious gem or a diamond in between.Similar designs can be made in Sterling Silver with rhinestones and other semi-precious stones. Musical Instrument If your man is into music, give him a high-end guitar or a keyboard that he has been longing to buy. Watches Most men love to wear watches. They can make a strong style statement. You don't have to spend a fortune on a watch and give him a Rolex. Here’s a good guide to look over that list some of the best affordable watches ranging from Seiko to Casio timepieces. You can also look into sports watches or a smartwatch if your significant other is into fitness. Gaming Console Most men are gamers.For them, the most relaxing thing to do after a long week is to spend the weekend unwinding on the couch, playing a game, and eating Pizza. Consider buying an X-Box or the latest PlayStation. Adding a few games to your package would be a plus. (Vegan) Leather Accessories For men who are into a corporate lifestyle, a set of leather accessories makes a classy gift. You can make a bundle of assorted leather items or give a single big item such as a backpack, depending on your budget. Belts, laptop sleeves, Passport covers, and phone cases now come in vegan leather. Toiletries Set This is 2019 and while men might not be as crazy after something like Sephora, they still love high-end grooming kits. A set of toiletries or grooming kits from Prada or Giorgio Armani would make a great gift. If your guy sticks to a particular fragrance that he loves, it would be a good idea to give him a perfume set. Spa Date Many times, both the partners are so busy with their work-life and responsibilities that they barely get any time to relax and spend quality time with each other. Book yourself a Spa Date where both of you can have a relaxing foot massage together. It will not only help you to relax but will also allow both of you to spend some quality time together. Short Getaway Getaways are the best way to spend some time together in solitude. You might not be able to afford n all-inclusive trip, but you can always book yourself for a few days into a resort in your own country where you can unwind and spend some great time tog How about you? How do you spice up your relationship with your man?