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How Financial loans Are Taken care of In Bankruptcy - openjtag

So why is it that certain consumers as well as small business owners still view processing bankruptcy through bankruptcy attorney as a symbol of shame? They think so it should be averted at all costs, although corporate North america on the other hand works by using bankruptcy as a good step to get a new starting. Is there significantly any big difference when the person in debt filing for bankruptcy may be a large motor vehicle maker as well as Joe this plumber? Once you hear what is this great about a huge business filing bankruptcy, they strain the possibilities that bankruptcy delivers them to cope with overwhelming debt, to offer off pointless assets, in order to move forward by simply restructuring the company. What folks need to understand is that those are the very same programs that exist for Joe this plumber and every other man or women filing for bankruptcy defense. If the really educated and experienced therapy for America?s most significant companies manufactured mistakes which forced their particular businesses straight into bankruptcy, then why should individuals who usually come to economical matters and also decisions deficient the same specialized training, money reserves, or maybe resilience, think about bankruptcy as a particular failure if he or she do the similar?

Most people are conscious of creditors conserve the right to repossess property every time they default for a secured debt. Bankruptcy is usually a great way to preclude this from happening. In many instances, filing for bankruptcy could protect investments, not sell them at and the higher chances. This is especially true with secured obligations such as a property finance loan or car finance. The only exception to this rule is in the situation of certain unsecured obligations. If the bankruptcy courtroom determines which the debtor has got enough belongings to help meet some of the debt in a Section 7 bankruptcy, they may encourage the liquidation of resources for this purpose. However, this is pretty rare and typically does not include things like major possessions like a dwelling or automobile. These even bigger assets are safe under bankruptcy omission laws.

The losing of a job as well as severe illness ? The same as the #1 cause for filing the bankruptcy, the loss of employment or being sick and tired for a long term period of time may very well be making it hard to stay up-to-date with normal living expenses. Unfortunately, a lack of ability to pay home bills tends to lead to punishment or, without doubt, overuse of this credit cards.

For those who openly don?t disclose info, you can actually turn out to be subject to appropriate penalties. There is a really simple expressing for this, ?Disclosure results in closure?.

Filing for bankruptcy stands out as the only method for the almost endless, unbearable obligations that do not leave your side. To setup the only way to receive some relief through the creditors that keep getting out of hand you over the telephone. On the other hand declaring bankruptcy under may also involve some negative has an affect on like it will probably be difficult for someone to maintain savings accounts and cards, you may have to reveal some of ones valued belongings and it will be hard for you to buy or rent a house. Bankruptcy therapy can help you bring an appropriate selection. So, prior to deciding to file for bankruptcy, you?ll want to weigh almost all these possibilities and many types of your options totally.

Source: http://www.openjtag.net/?p=835

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Search engine optimisation ? What on earth is Seo and in what ...

Exactly what is Internet search engine sito Optimization?

Seo, because it?s referred to as Search engine marketing, is the procedure of accelerating the degree and quality of visitors an online site from search engines like yahoo by means of organic and natural or maybe search results. The more expensive the organization?s website rates upon Internet search engine Effect Web site (SERP), the more visitors may visit your web page.

Like a online marketing strategy for increasing web site?s meaning, Search engine marketing advisors think about the best way investigation formulas get the job done as well as what people look for. A good Search engine marketing operation might consist of a good web site?s html coding as well as construction, subject material as well as writing, web page web presentation, and also fixing other problems that should reduce search engines like yahoo from indexing your corporation website. In case your organization?s website is just not placed in search engines like yahoo, there won?t be any option in any way for ones web page to obtain high visibility search positions upon search engines like yahoo. Consequently, it is very of importance to companies to consider Search engine marketing and ensure their internet sites happen to be properly placed in search engines like yahoo.

The phrase ?SEO? can reference ?Search Serps Optimizer?. It is deemed an industry phrase this is the word for businesses as well as advisors this perform web optimization operation link on benefit in their customers, and staff which complete Search engine optimization in-house. Just about every organization as well as specialist features their particular Search engine marketing plan; as a result they will work with various methods to get high organic and natural search positions regarding internet sites. Normally, in order to possess powerful Search engine marketing, it may require adjustments to the Web coding supplier value of any web page, Search engine marketing techniques might be included in web design as well as style and design. This is the reason practically all legitimate Search engine marketing businesses as well as advisors may first look along at the style and design as well as back-end structures of any website before beginning every Search engine marketing operation. This can be sure that Search engine marketing is finished proficiently.

Seo as a Web marketing strategy regarding Corporations

Enjoy really should companies work with Search engine marketing as a online marketing strategy? The chief objective regarding employing Search engine marketing into a organization?s website is always to push targeted prospects into it. Attention keeping track of research indicates this visitors check research online are caused by head to feet as well as kept that will perfect, trying to find appropriate benefits. Consequently, in case your web page servizi seo milano is near the top of organic and natural item listings search positions (organic and natural item listings reference the internet benefits which have been listed in your local left side of the SERP), it?s going to probably improves the number of visitors who?ll visit your web page.

Thomas M.N Kurtz

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Katy Perry?s Dad: Russell Brand Still Texts Me

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California Supreme Court upholds sex abuse suits against school districts

Students who are sexually abused by school employees may sue public districts if their administrators ignored warning signs or failed to monitor the employees, the California Supreme Court unanimously ruled Thursday.

The state high court's ruling revived a lawsuit against the William S. Hart Union High School District by a student who alleged that a counselor repeatedly abused him sexually.

The suit said that school administrators knew or should have known that the counselor, Roselyn Hubbell, had a propensity for sexual abuse when they hired her at Golden Valley High School in Santa Clarita.

Hubbell, whom the district fired, eventually was arrested at a motel with another boy and charged with a misdemeanor.

School principals and other supervisors "have the responsibility of taking reasonable measures to guard pupils against harassment and abuse from foreseeable sources, including any teachers or counselors they know or have reason to know are prone to such abuse," Justice Kathryn Mickle Werdegar wrote for the court.

Stuart Esner, a lawyer for the student, said the ruling "will allow compensation for people who are harmed and maybe have the side effect of increasing vigilance."

But Robert A. Olson, an attorney for the district, denied the suit's charges and expressed concern that the ruling would entangle individual administrators in litigation, regardless of whether allegations were true.

"This expanded vulnerability to litigation will inevitably affect those individuals' as well as the district's and all California educators' ability to provide quality education to their students," Olson said.

The ruling noted that any monetary damages for pain and suffering and emotional distress would have to be apportioned according to fault, and "the greater share of fault will ordinarily lie with the individual who intentionally abused or harassed the student."

maura.dolan@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/local/crime/~3/BUkJ98Qv-lw/la-me-school-molestation-20120309,0,6196178.story

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5 Film Characters That Speak to Me ? infinitecrescendo

One of the greatest and most essential pleasures of moviegoing is identification with the characters on the screen. If such identification doesn?t happen, even a great story can only be appreciated at arm?s length. The audience needs a surrogate through which to experience the story vicariously. What the best films accomplish is to create characters that speak to universal human experience but that do so with such specificity that particular audience members can feel a personal connection. Here we see how film can be both a ?mass? medium and an extremely intimate one. It?s the close-up on a giant screen.

Thinking about this recently, I decided to write about some of the characters that I identify with the most. This topic carries some risk: as with any autobiographical writing, the writer has to be willing to share both faults and talents, vice and virtue. The biggest temptation in forming this list was to add the characters that I personally?like?most, with whom?I?wish I had something in common. I avoided this temptation, so Batman didn?t make the list. But I did have to fudge just a little bit on the age of the characters. I dream of being a filmmaker, so I knew I couldn?t include characters who were successful filmmakers already. However, most of the five I chose have begun one career or other in their respective stories.?Only one name popped into my head when I considered my current stage of life (i.e. between college and establishing my own home): Ben Braddock in?The Graduate. I decided that the events of that film were sufficiently far removed from my own experience to keep him off the list (phew!).?Of course, no film character is going to match up with an audience member?s experience in every detail (probably even if the viewer is watching a biopic about himself).?To be honest, I?m quite happy that none of the five I chose is just exactly like me. Watching a person who?s a lot like us do things we couldn?t possibly do is part of the fun. All that said, to make my list a character needed to share with me personality, attitudes, dreams, and experiences to an appreciable extent.

Beyond those criteria, though, there wasn?t any formula. This is hardly a top five set in stone (as if anything like that has ever existed), particularly the rankings. It?s just a snapshot of how I feel about myself at this point in time. I restricted myself to characters famous only for the movies they appear in ? no adaptations of famous novels or plays, and no famous real-life individuals. Four of the five movies are original screenplays, with the other being based on a short story but clearly eclipsing it in popularity. Most of the movies are also familiar to my family and many of my friends, so I have hopes that there won?t be any shocking revelations. Finally, one source of encouragement for me in my current state of singleness: only one of these characters ends the story single, and that?s the rat.

5. Remy (Voiced by Patton Oswalt) in?Ratatouille (2007)

I come to compare myself with Remy by way of two analogies. First, I take his desire to become a chef as a metaphor for any kind of artistic ambition. For me, the passion isn?t for food, but for film. Given that this is a movie we?re talking about, I think this connection comes naturally. Remy finds himself at least as cut off from the great restaurants as many aspiring filmmakers do from the Hollywood system. Admittedly, I for one am in far better position to follow my dream than a rat who wants to work with humans. Like a fable, the movie does some exaggerating to make its point, and therein lies the second analogy that I use to empathize with Remy. But the film?s message, that ?a great artist can come from anywhere,? never ceases to be tremendously encouraging. As a side note, I also find a connection with Remy because of his family. I, too, am well-acquainted with those who settle for garbage while I attempt to study the great chefs. This is me patting myself on the back a little, but it?s also an admission of a cause of some frustration for me.

4. George McFly (Played by Crispin Glover) in?Back to the Future (1985)

I never actually went to a public school, so permit me some speculation as to how it may have gone had I not spent my entire youth in one protective bubble or other. Certainly, I can see myself getting bullied and lacking the self-confidence to overcome that. George and I are also both writers who have, at times, hesitated to show others our work. Having more assertive friends and mentors can be a big help. As far as I know, I haven?t met any time travelers, but that?s the only truly significant difference between George and me. There are other details about the character that I appreciate, including the science fiction/comic books/general nerdiness, the awkwardness around girls, the occasional malapropism, the lankiness. Attending a small Christian high school, as I did, is a pretty different experience from a public school, but there are plenty of ways that adolescence is the same for all of us. It?s a life stage recent enough for me to still feel a major connection with it.

3. Gil Pender (Played by Owen Wilson) in?Midnight in Paris (2011)

There?s a distinction that can be drawn between screenwriters and filmmakers. Different writers will have different situations, but by and large the writer is simply the instigator of the film. He or she will be required to step aside and let the director, cast and crew mold the story to their liking. So, although Gil in?Midnight in Paris is a successful screenwriter, I don?t see my selection of him as purely wishful thinking, since I have higher ambitions than what he has accomplished when the film begins. Anyway, I said I?d fudge the rules here a little. It?s Gil?s personality and opinions that I most identify with. There?s the conflict between art and commerce, with Gil wanting to be part of the former while settling for the latter. Most important to the film, though, is Gil?s nostalgia. Gil romanticizes a past he never actually experienced and bemoans that he was ?born too late.? I have often wondered about living in different periods of history, when my personality would perhaps be more appreciated. But thankfully, the movie points out the holes in this thinking. Ultimately, I?m becoming happier with my own era. The ?Woody Allen? archetype is one I?ve often felt empathy for, but I chose this particular manifestation of it for how specific it is to the kind of person I?d like to be, and already am in some ways.

2. George Bailey (Played by James Stewart) in?It?s a Wonderful Life (1946)

Thwarted ambitions. Frustrated plans. The possibility of never watching your dreams come true. My dreams are not small. I want to have influence, to make great things and be remembered for them. The hard lesson that?It?s a Wonderful Life teaches is that it?s more important for the people you love to remember you than any abstract idea of ?the world.? I see God in this film more than most of the movies I?ve ever seen. He has plans for our lives that we may know nothing about. But they will end up better than our dreams; that?s the hopefulness of the film?s conclusion. Of course, I?m far from the stage of life in which George Bailey finds himself here. But I can certainly imagine things going similarly for me, especially since I?m currently working with my family while dreaming of something else. That job isn?t something I?m going to be ?stuck? with indefinitely; we don?t have a Mr. Potter. The point is, this movie applies to any ?mundane? employment. I take great comfort in the fact that George finds a way to be content and truly happy, even if it takes divine intervention to get him there. This movie goes to dark places, much darker than I have as yet experienced. So maybe it?s preparation for what?s to come, should my ambition fail. Having seen the movie annually for much of my life, I can count myself well-prepared.

1. Barry Egan (Played by Adam Sandler) in?Punch-Drunk Love (2002)

A surprising choice? I don?t compare myself with Adam Sandler very often, but I think of this film,?Punch-Drunk Love, as quite possibly the only bright spot in a uniquely horrible film career. But the simple reason that I put Barry Egan atop the list is that he inspired it in the first place. I saw the film for the second or third time a couple weeks ago and found myself liking it a lot more than I had before. The film is defiantly offbeat, but in all the best ways. And I find myself loving everything about Barry, warts and all, because some of those warts are my own. Here is a quiet, awkward, but good-hearted soul with considerable passion bottled up inside that occasionally explodes in violent anger. Bullied by his family (in ways I?ve never experienced, by the way, but that I can sympathize with, being always ready to take it on the chin), he finds himself isolated and to some extent ignorant about the outside world. The whole film is about the struggle to connect with other people, to have the strength and courage to share oneself. Barry meets a woman who?s willing to draw him out, which is the best thing that could ever happen for him. As I again look over my top four, I see just how important the love of a good woman is to these guys ? Barry most of all. We really do need each other in this world, and although Barry?s attempts to connect lead to more pain at first, they show the promise of culminating in a much richer life. I?m looking forward to that.

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Luxury home market picks up | Inside Real Estate News

This 7-bedroom, 9-bath home with 10,427 square feet, sold last month for $3.4 million.

The luxury home marker in the Denver is gaining momentum, according to two separate reports released today.

Edie Marks, a broker with Kentwood Real Estate, whose name has long been associated with selling high-end homes, said on Friday that the reports are telling it like it is.

?There has been a major turn around,? Marks said. ?The problem that sales had been crappy and when there were sales, people were stealing them. The good news, if you can think of it that way, is that inventory is disappearing.?

Well-heeled sellers are increasingly signing on the dotted line, she said.

?For homes priced between $2 million and $2.5 million, it is the hottest I have ever seen in my lifetime,? Marks said. ?Maybe from $1.5 million to $2.5 million. February was an unbelievable month. I?ve already had $15 million in sales and I had $30.4 million in all of 2011.?

A report by Kentwood Real Estate, which covered the counties of Adams, Arapahoe, Broomfield, Denver, Douglas, Elbert and Jefferson counties, showed there were 24 single-family homes that sold last month, a 20 percent increase from the 20 sales in February 2010. The dollar volume was $36.8 million, a 31.2 percent increase from the $28.05 million in February 2011.

The average sales price was $1.53 million, a 9.3 percent increase and the most expensive home that sold was a 10,427-square-foot, 7-bedroom, 9-bathroom home in Cherry Hills that sold for $3.4 million. Records show the home was purchased by Denver Nuggets player Maybryner ?Nene? Rodney Hilario, and his wife, Lauren. The home price is 47.8 percent more than the highest sales price of $2.3 million in February 2011.

In the first two months of the year, $72.6 million in homes priced at $1 million or more sold in the area, according to Kentwood, which used Metrolist data. That is 14 percent higher than the $63.74 million during the same time period of 2011. Year-to-date, the number of transactions were up 14.7 percent to 39 from 34.

Kentwood also noted that there are 495 single-family homes in that lofty price range on the market. Of those, about 70 percent are priced below $2 million. Only 21 are priced above $5 million and one of those is under contact.

Bauer?s report ?includes Boulder County, in addition to the other seven counties. There were two condo sales above $1 million last month, both of them in Boulder. They sold for $2.12 million each, a sales price that equates to $829 per square foot.

For single-family homes priced at $1 million or more, 10 were in Arapahoe County, seven were in Denver, six were in Boulder, six were in Douglas County and two were in Jefferson County.

?There is still too much inventory in the luxury market, but the inventory is decreasing,? Bauer said. ?The luxury market is holding its own. I thought February was very positive.?

It?s not only positive for the buyers and sellers, but for the overall economy, even though most people can?t afford homes in that price range. The average price of a single-family home sale in February was $270,821.

?It?s important for us to have activity in all parts of the market,? Bauer said.

Contact John Rebchook at JRCHOOK@gmail.com

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Source: http://insiderealestatenews.com/2012/03/luxury-home-market-picks-up/

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Student Opinion | How Well Do You Think Standardized Tests ...

Standardized tests, like the SAT, the ACT or other national, international or state exams that measure all students at a certain educational level, are increasingly being used to judge how countries, states, schools and even individual teachers are doing. What standardized tests have you taken in your school career? How have your teachers prepared you for them? How well do you do on those kinds of tests in general? How well do you think the ones you have taken have measured your intelligence and abilities? Why?

In an Opinionator post from September 2011 ?What Do Test Scores Tell Us?? Gary Gutting writes:

Tests used to be just for evaluating students, but now the testing of students is used to evaluate teachers and, in fact, the entire educational system. On an individual level, some students and parents have noticed a change ? more standardized tests and more classroom and homework time devoted to preparation for them.

So what exactly do test scores tell us?

?The first question is whether a test actually tests for things that we want students to know. We very seldom simply want students to do well on a test for its own sake. Tests must require or demonstrate some valuable knowledge or skill, like knowing how to multiply, understanding the Civil War or being able to think critically. It is entirely possible for students to fail tests on such topics and still have, for example, the mathematical abilities or historical knowledge we want. If, for example, a math test required mentally multiplying 392 x 654 in five seconds or a history test required knowing the precise date of 50 Civil War battles, we would not be concerned that students did poorly.

?There is also the question of whether any standardized test is adequate or needed to evaluate certain sorts of student learning. There was a time when we were happy with Miss Goodteacher?s judgment that her class knew how to read. There are doubtless cases where we can?t trust instructors? judgments. But is there reason, especially in college-level work, to think that this is generally the case?

Students: Tell us about your experiences with standardized tests. Do you think they generally assess skills and knowledge that will be valuable to you and to society as a whole, or do you think they often fail to measure your true understanding of, or ability with, a subject area? How much time does your school spend preparing for these tests? In general, how much of a role do you think these kinds of tests should play in determining abilities, or in measuring the worth of a teacher or school? Why?


Students 13 and older are invited to comment below. Please use only your first name. For privacy policy reasons, we will not publish student comments that include a last name.

Teachers: Here are 10 ways to teach with this feature.

Source: http://learning.blogs.nytimes.com/2012/03/09/how-well-do-you-think-standardized-tests-measure-your-abilities/

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