Auto Loans after Bankruptcy - Should You Finance a New or Used ...

Deciding whether to purchase a new or used car is a big decision,?especially if you have just filed a recent bankruptcy. Of course, the?decision is largely based on how bad you need a vehicle. There are valid?reasons for financing a new or used car after bankruptcy. On the other?hand, there are also numerous reasons to delay the car buying process.?Before applying for an auto loan, carefully consider whether now?s the?right time to finance.

When Was the Bankruptcy Discharged?

Once your bankruptcy has been discharged, you are free to finance an ?auto loan, mortgage, or acquire a credit card. However, you will incur huge finance fees or interest. For the most part, financial experts recommend waiting at least six months to a year before financing a large expense.

The interest rate you receive on an auto loan immediately following a bankruptcy will be approximately three percentage points higher than the average loan. This will significantly increase your monthly car payment. To avoid high fees, wait until your credit improves.

Have You Established New Credit Accounts?

After a bankruptcy, it is vital to establish new credit accounts. Bankruptcy gives you the opportunity for a fresh start. Thus, you should apply for new credit cards, department store charges, gas cards, etc. The only way to improve your credit score after bankruptcy is to open new accounts and maintain regular payments. In time, your score will rise, which justifies a better rate on your auto loan.

Choosing an Auto Loan Lender for New or Used Car

If you decide to purchase a new vehicle, the next step involves selecting the right lender. There are quite a few options available. You can obtain financing through a new or used car dealership, or you can secure your own financing. If possible, compare rates from at least three to four money sources. Contact your bank or credit union and inquire of their rates. Notify the lender of your current credit status.

In most cases, you will have to secure financing through a sub prime lender. Some traditional auto loan lenders may offer these types of loans. Another option involves taking advantage of online auto loan brokers.

Brokers will thoroughly assess your credit application, and match you with various lenders. Next, the broker will email you quotes from these lenders. You pick the most desirable loan package.

By Carrie Reeder

View our recommended Car Loan After Bankruptcy lenders (http://www.abcloanguide.com/carloanafterbankruptcy.shtml)

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PFT: Driver says he has 1-2 more years left

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Said Bills DT Kyle Williams of how the team has looked at OTAs, ?I think defensively on paper it looks really good. But, that doesn?t mean anything. I think we?ve talked about that in our room today, that everything looks great on paper but we haven?t done anything yet.?

Dolphins coach Joe Philbin says S Reshad Jones is ?off to a good start? this offseason.

Recently released by the Patriots, WR Anthony Gonzalez has been plagued by multiple injuries for years.

The New York Daily News knows that it?s important to get the names of Mark Sanchez and Tim Tebow into the headline on a story about a couple of offensive linemen signing.

The Ravens have signed K Justin Tucker.

Said Bengals K Mike Nugent of contract negotiations, ?I?m in a very fortunate position in that my team wants me to come back for another season.?

Former Heisman Trophy winning QB Troy Smith is trying to revive his career with the Steelers.

When Jamal Lewis played for the Browns he invested in a water park, but that park says Lewis?s bankruptcy won?t affect its operations.

Texans LB Shawn Loiseau on his troubled teenage years: ?The low point was sitting in that jail cell and having my lawyer tell me I might be facing a murder charge that would leave me in there for the rest of my life.?

The Colts are struggling to sell tickets, but they say they?re not concerned about blackouts.

Jaguars OT Eben Britton is spending his offseason working at the NPR affiliate in Jacksonville.

Titans DT Shaun Smith took up yoga to lose weight.

Broncos DL Ben Garland, who played his college football at Air Force, will be sworn in as a member of the 140th Wing of the Colorado Air National Guard on Wednesday.

The Chiefs haven?t put first-round rookie NT Dontari Poe in with the starters yet at OTAs. Amon Gordon is currently the starter at nose tackle.

Raiders RB Darren McFadden and singer Rihanna have denied they are dating.

Chargers LB Takeo Spikes on playing football at age 36: ?People always ask me, ?How do you last long in this league?? You?ve got to be smart, and you?ve got to be tough. I don?t want to be out there with a dumb football player, somebody who doesn?t understand formations, who doesn?t recognize situations.?

Cowboys offensive line coach Bill Callahan said he?s ?never had anybody like? OT Tyron Smith: ?He is just very strong, very lean, very explosive, and he can carry those traits over to the left side because of his athleticism.?

Giants CB Prince Amukamara ran on Tuesday for the first time since he had a procedure on his foot in March.

Eagles safeties coach Mike Zordich thought the team was going to add a safety this offseason, but says he?s comfortable with the guys he has.

Redskins coach Mike Shanahan will address the media on Thursday for the first time since being knocked ?a little woozy? in an on-field collision.

This looks like a make-or-break season for Bears LT J?Marcus Webb. (Meaning that if Webb doesn?t make himself better, someone is going to break Jay Cutler.)

When reporters asked Lions DT Corey Williams several questions about the arrest of teammate Nick Fairley, Williams waved them off and said, ?Enough. I?m done.?

Young Packers describe WR Donald Driver as a team leader.

Said Blair Walsh of being named the Vikings? kicker, ?There are 32 of these jobs. To have one of them right now is exciting and humbling.?

Falcons CB Dunta Robinson is getting his wish of moving inside in the nickel package.

Saints owner Tom Benson has sent a letter to the owners of the New Orleans Times-Picayune, asking them to reconsider publishing only three days a week.

The Panthers have signed TE Nelson Rosario, no relation to former Panthers TE Dante Rosario.

Buccaneers DT Gerald McCoy has been honored for inspiring young people.

Cardinals WR Larry Fitzgerald says he has a genetic propensity for putting on weight: ?You?ve seen my dad,? Fitzgerald said. ?I don?t mean that in a derogatory way, but he?s not a little man by any stretch of the imagination. I can?t play receiver at that weight.?

Some members of the Rams are participating in youth football camps, focusing on concussion awareness and character development.

If 49ers long snapper Brian Jennings plays every game this season he will tie the franchise record for consecutive games played with 208.

The acquisition of Kellen Winslow gives the Seahawks a 1-2 punch at tight end.

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Dewey files for chapter 11 in record law firm collapse

NEW YORK/BANGALORE (Reuters) - The crippled law firm Dewey & Leboeuf LLP filed for chapter 11 bankruptcy protection Monday night and will seek approval to liquidate its business after failing to find a merger partner, marking the biggest collapse of a law firm in U.S. history.

Once one of the largest law firms in the U.S., Dewey has been hit by the loss of the vast majority of its roughly 300 partners to other firms amid concerns about compensation and a heavy debt load.

Dewey had warned employees earlier this month of the possibility the firm may shut down, and a person familiar with the matter had told Reuters that the firm was considering a bankruptcy filing.

"Dewey's failure is rocking the industry in the sense that most firms are saying to themselves, if Dewey could go down, could we?" Kent Zimmermann, a legal consultant at the Zeughauser Group, said in an email Monday night.

Dewey said in a filing it had decided to wind down its business following unsuccessful negotiations with other law firms to strike a deal. It said it would ask about 90 employees to remain on staff to assist in the liquidation, which it expects to be completed in the next few months.

Negative economic conditions, along with the firm's partnership compensation arrangements, created a situation where its cash flow was insufficient to cover capital expenses and full compensation expectations, Dewey said.

"During the first quarter of 2012, the firm was confronted with liquidity constraints that led to the precipitous resignation of over 160 of the firm's 300 partners by May 11," the New-York based firm said.

Dewey listed liabilities in the range of $100 million to $500 million, according to the filing. It had already terminated 433 of its 533 New York employees earlier this month, according to the state's labor department.

MONTHS OF TURBULENCE

The firm's collapse is expected to be the subject of years of court proceedings, and a number of former partners have already retained lawyers to represent them.

Monday's filing follows months of turbulence, as wave after wave of partner defections shattered the high-profile firm from within. In April, the Manhattan District Attorney's office launched a criminal probe of former firm chairman Steven Davis. He has denied any wrongdoing.

The result of a 2007 merger between Dewey Ballantine and LeBoeuf, Lamb, Green & MacRae, Dewey & LeBoeuf had about 1,450 attorneys at its peak, according to The National Law Journal.

But the firm was eventually undone by a combination of the economic downturn, excessive compensation and governance problems, according to former partners and others in the industry. In particular, Dewey's management promised millions in packages to about 100 partners, according to the court filing, leaving it strapped for cash when revenues fell during the recession.

Dewey has retained Joff Mitchell of Zolfo Cooper LLC as Chief Restructuring Officer and Albert Togut of Togut Segal & Segal LLP as bankruptcy counsel.

"The full extent of the partner compensation arrangements is subject of continuing investigation," Mitchell said in the filing.

Dewey is one of a handful of major law firms to declare bankruptcy since the recession that began in 2007. They include Coudert Brothers, Heller Ehrman and Howrey.

PENSION PLANS

As of the petition date, Dewey's assets consisted of about $13 million in cash, accounts receivable of about $255 million, various pieces of artwork, and about $11 million invested in an insurance consortium, among other potential claims, according to the filing.

In the interim, Dewey said the firm will be operating on a budget to be determined by the court. The firm has petitioned the court for permission to continue to pay salaries, benefits and paid time-off for current employees.

Dewey said that the 401(k) plans and qualified pension plans of its current and former employees and partners are held in trust and cannot be accessed by the firm's creditors.

The U.S. Pension Benefit Guaranty Corporation filed suit this month to take control of three of the firm's pension plans, which the agency said were underfunded by $80 million.

The London and Paris offices of the firm are operated through a separately incorporated UK entity, which was placed into administration on Monday.

Administration is a UK legal process under court supervision, broadly similar to chapter 11. The UK partnership is following broadly the same approach as that of Dewey in the United States, the firm said.

The firm had two dozen offices worldwide, including in Washington, Los Angeles and London. Some of the firm's biggest clients included General Motors Corp, eBay, Novartis, Ambac and Berkshire Hathaway Reinsurance Division.

The case is Dewey & LeBoeuf LLP, Case No. 12-12321, U.S. Bankruptcy Court, Southern District of New York (Manhattan).

(Reporting by Sakthi Prasad in Bangalore and by Joseph Ax and Nate Raymond in New York; Editing by Chris Gallagher)

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Christian dishes on the Stanley Cup

Intercontinental Champion Christian is a die-hard hockey fan. Learn more about his love for hockey, and who he thinks will win the Stanley Cup Finals between the Los Angeles Kings and New Jersey Devils.

WWE.com: The Stanley Cup Finals are starting, and being the die-hard hockey fan you are, who do you think is going to kiss the Cup?

Christian: At the start of the season I always pick the (Toronto Maple) Leafs but that never seems to happen. But then I picked the St. Louis Blues to win it all, and if they didn?t win it, I said Nashville would win it. I guess I was wrong on both accounts. The Kings just look unbeatable. They?ve clicked and really hit their groove at the right time. I?m picking the Los Angeles Kings in five games.

WWE.com: Can you talk about the impact hockey had on your childhood growing up in Canada?

Christian: Hockey was huge. When you?re born in Canada they put a hockey stick in your hand and that?s the way it is. I have such fond memories growing up, like going out on the street in the dead of winter and playing hockey with other kids in the neighborhood. We would pretend we were our favorite hockey players just like we?d pretend we were our favorite wrestlers we saw on television. Hockey and wrestling have always been my two favorite sports. During career days at school I would always say, ?I haven?t decided if I am going to be a hockey player or a wrestler."

WWE.com: At what point did you make the decision to become a WWE Superstar?

Christian: When I was in my late teens ? around 17. I was still playing hockey, but when I stepped into the ring it seemed pretty natural to me and I caught on fairly quickly.

WWE.com: You?re the Intercontinental Champion now, and you?re no stranger to winning. What does a team need to possess to win the Stanley Cup?

Christian: You can?t be great at one thing ? you have to be great at everything, and that?s what I feel wins championships.

Follow Christian on Twitter at?@Christian4Peeps

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Home Improvement Guide | D.I.Y Articles

Replacing your carpets can be a breath of fresh air. Carpets can be a hotbed of allergens making your own home hard to live in. Consider replacing your carpets with hardwood, tile, or laminate floors for a healthier living environment. Hard surface floors will also provide an updated look to your home. Patio Decor, Outdoor Light Fixtures

One simple home improvement project that will leave your house looking fresh and new is painting. Choose neutral colors like light blues or subtle greens. Touch up the ceilings in colors like eggshell, white or cream. Top off the look with crown molding and remember that there are kits to help you achieve a professional look even if you have very little experience.

For a quick and affordable way to update the appearance of your master or guest bathroom, consider purchasing coordinated metal fixtures. Towel racks, toilet paper holders, shower curtain rods and cabinet knobs, are available in a variety of shapes and finishes. Many home improvement stores offer these fixtures as part of a complete, coordinating package, that can easily be installed in a single day.

In order to save money on air conditioning costs during the summer, try installing ceiling fans. Ceiling fans recirculate air within a room, cooling it down without the need for turning on a central air system. They are relatively easy to install and can be installed in place of your lighting fixture.

For those who like to do it themselves instead of hiring someone, there are many ways to learn different techniques for home improvement. Looking on the internet, reading books or talking to more knowledgeable individuals, can help you to glean some useful information. There is much that can be learned for someone who wants to fix up a house.

If you?re interested in home improvement, a good place to start is by experimenting with color schemes. You can do this by getting swatches from your local paint store, or using a variety of online color scheme websites and apps. Doing this can be creative and fun, and inspire you to think of ideas you might not have had if you had focused on details like furnishings straight away.

When planning for landscaping upgrades, consider native plants in your yard plan. They?re generally more hardy and require less water than non-natives. Your plant choices will vary depending on your area, but your county agricultural extension will be able to help you with planning. Also check to see if a local university has a program to help homeowners with native landscaping.

Stainless Toaster Oven ? Makeup Brush Sets

Tags:?foreclosures, Gardening, home, Home Accessories, Home Improvement, Home Repair, house plans, Interior Design, Landscaping, real estate, remodeling

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Facebook?s Plans for the World Wide Web

When you?re the world?s largest social network you find it difficult to let defeat slow you down. Facebook may be autocratic in the way it deals with its membership base and it may want to own the web and all its content but it is also the place where everyone goes to hangout online with their friends and it just keeps on growing.

The curious purchase of Instagram for which Facebook paid a billion makes even less sense now with Facebook rolling out its own version of it, in apparent direct competition, unless of course, we consider the timing.

Instagram was purchased just weeks after it was made open to Android users. It provided Facebook with a plan for mobile in its pre-IPO days and it stopped a rival from gaining a surge of new members. Then with the deal yet to be inked it brought out its own app called Camera in effect competing with itself.

Now you might think that dropping $1 billion on the table just to deny a competitor a measly 33 million members might be a steep price to pay, but not if you plan to fight that competitor at his own game and this is something Facebook might just be starting to think about. I am talking, of course, about search. Whatever you might be doing in social media and marketing search is at the heart of the web because it is how we navigate the web.

The problem is that search is a complex business. Creating a search engine that works well is truly expensive, as Microsoft has found out, and requires the ability to not just index information fast but also assess it properly. In case you have not noticed, in the Facebook environment, Facebook search sucks. It works worse than a third wheel on a bicycle and when it provides results from outside Facebook it has to rely on BING anyway.

Now a Facebook/BING deal is not out of the question, Industry rumours have it that it?s something that has been talked about for some time. A hint that these rumours may be based on truth is given by the very recent interest Facebook has expressed in buying Opera.

Armed with a browser of its own, a search that works and the ever increasing depth of its social graph, Facebook could provide an alternative to search which could also help it make more money from its ad network. Should that happen we will truly have a universe populated by behemoths: Google, Facebook, Twitter, Apple and Amazon, each competing for our data and our custom. More than that however we will also have the era of the two webs. The Open Web, where Google is king and the closed, Facebook web where data can come in but can never go out. At that point marketing, complex enough as it is, will become even more complicated.

While all this sounds like a smoothly created grand plan for total web domination it is anything but. Facebook has been struggling with itself for a long time and I have frequently catalogues its errors on articles here. For a concise overview of just what has gone wrong you should check out Prasant Naidu?s piece on How Facebook is Killing Itself.?

Having gone public the social network is now under pressure to evolve and succeed. Whether it manages to do just that, or will do what it has done to date which is pull itself in all directions at once remains to be seen. Clearly the year head is going to get even more interesting.

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Mahamaya technical university was also hacked by Indian Hacker Nitin Pandey

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Titans 'optimistic' about Johnson

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Recently, Jason Cole of Yahoo! Sports reported that, under the CBA, the NFLPA believes Saints quarterback Drew Brees will be entitled to a 44-percent raise in 2013, if the Saints use the franchise tag on him again.? But Brees has available to him a much more potent tactic, if he?s willing to walk away from $16.371 million in 2012.

Article 10, Section 15(c) of the labor deal explains that, if Brees doesn?t play in 2012, he can be tendered as a franchise player once again in 2013.? Though the language is a bit vague as to whether the franchise tender would equate to 120 percent of his 2011 salary or 120 percent of his 2012 tender (which is much higher), Section 15(c) contains a much more troubling provision, for the Saints.??? If Brees hold out for all of 2012, the Saints would be prevented from using the exclusive version of the franchise tag on Brees in 2013.

It gets better (or, from the Saints? perspective, worse).? If Brees never signs the 2012 franchise tender, the compensation in 2013 would drop to one first-round pick and one third-round pick.

While the Saints would have the right to match any offer sheet Brees signs elsewhere in 2013, a new team could put together a monstrous offer ? and then the Saints would have to decide whether to finally pay Brees or let him walk away.

The fact that neither the Brees camp nor the NFLPA have leaked this specific tidbit could mean that Brees has no real intention of sitting out the full season, contrary to reports that he won?t sign the one-year tender.? But if July 16 comes and goes without Brees signing a long-term deal and if he decides to exercise his right to not sign the one-year, $16.371 million tender, Brees? name could be added to the list of options for teams that need quarterbacks in 2013.

Intriguing (for now) possibilities include the Jets, who are always looking for a franchise quarterback, the Chiefs, the Raiders (yeah, G.M. Reggie McKenzie said he?s done trading draft picks, but coach Dennis Allen would be lobbying hard for Brees), the Eagles (this is Mike Vick?s make-or-break season in Philly), the Vikings (oh, the irony), the 49ers, and the Cardinals.

But then there?s the fact the Brees grew up in Texas.? Which could make the Texans and/or the Cowboys load the financial cannon in the hopes of bringing Drew home.

A lot of things have to happen before Brees would sit out the full season.? But circumstances will change as of July 16.? Given that Brees will have a shot at letting the market set his value in 2013 if he sits out for the full year, he could insist after July 16 on an agreement that the Saints won?t use the exclusive tender on him in 2013 ? or that they won?t use the franchise tender at all.

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Exercise Fitness Equipment ? Their Role | e ... - Motley Health ...

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Putin puts Medvedev in charge of Russia's ruling party

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