May 18th, 2012
The economy of the United States has faced trials and hardship in the recent economic downturn, and Chicagoland has not be exempt. Unemployment has risen and become deeply entrenched in certain areas as manufacturing and other core industries have closed their doors. The Home market has crashed as well leaving many in situations where they lack the means to repay their debts or find themselves paying back larger sums than their homes or other assets are worth.
Chapter 7 Bankruptcy is a serious process meant to address these serious circumstances and you should consult a Chapter 7 Bankruptcy Lawyer before considering or beginning this process
Chapter 7 works with the debtor filing a petition with their regional bankruptcy court and including schedules of both assets and liabilities, current income and expenditures, a statement of financial affairs, any executor contracts and unexpired leases, and their recent tax returns. The debtor must also pay a few hundred dollars of court fees to begin the case.
Unlike Chapter 13, chapter 7 does not involve lowering the amount of debt you carry or allowing more time for its repayment. In chapter 7 the totality of the filer’s assets are listed and sold off (liquidated) to pay creditors except for certain exempt assets, including retirement savings, real estate, and others. Most of the remain debt is then canceled, except for certain debts such as child support, income taxes from the past three years, student loans, and property taxes (all with certain exceptions).
Bankruptcy is a daunting proceeding that will have a lasting impact on your life. Be sure you approach it with the proper support and representation, and consider all options appropriately.
March 9th, 2012
Have you ever wanted to be a day trader? It is the kind of stock trading that everybody dreams about: making quick buys and sells that end up netting potentially enormous profits in a single day. Who wouldn’t want to be in on that kind of action? But at the same time day trading has the reputation of carrying with it substantial risk. This reputation is not undeserved, but the risk is manageable. So how do you get started in the field of day trading?
There are many strategies out there for people who want to do day trading. They follow all different philosophies depending on what exactly your level of market trading expertise is and how high your tolerance for risk is. Many different organizations and coaches will offer to teach you how to use these different strategies or their own “personal” styles and strategies so that you can get started trading.
Is there one strategy that always works? Not exactly but there is one strategy that is perhaps the most universal and longest used. That is trend following. Trend following just means you look at stocks that are currently in a consistent trend: those that have been going up are likely to keep going up, and those that are falling will likely keep falling. By trading on the current trend you will experience some losses but often come out ahead overall.
This is perhaps the easiest strategy to use to get started as a day trader today.
March 6th, 2012
If you have small children you should be concerned about their interaction with technology. Children are naive, lacking discernment when it comes to wholesome and unwholesome, they are also curious and impressionable. And after a very short time they become intensely hormonal—a dangerous mix when facing an internet loaded with porn, hate speech, violence, and set to advertise it all with maximum ruthlessness and intrusiveness. If you want to protect your children from this environment you are going to need to provide them with a quality parental control software program that does a number of distinct things.
First of all—Internet filtering. If you have a young child who uses the internet occasionally for games or school research, or just to watch youtube movies, you need to be sure that you have a program in place which will catch and block any known graphic or offensive sites and keep them from appearing on the screen. Young children are highly impressionable and accidental exposure to those kind of sites can be deeply scarring.
Background Keylogging. If you have an older young adult in your house you need to be aware that they are going to be highly curious and highly hormonal. Your filter won’t give them much of a challenge either. All filters can be defeated by those who know how, or know how to look up how online. Keyloggers run in the background, hiding from the process tree, and record everything that the user types into the computer. If they are searching for known red flag words like sex or pot, the system will take a screenshot and sent a notification to the admin through email or an online portal service.
January 22nd, 2012
There are plenty of people these days who need dumpsters for a job on their home or business property, so if you are in need of a waste container, then you have certainly come to a great place to start learning. While you may think that there is not much to learn about waste removal and waste container delivery, there is actually more to be said than you may have initially imagined. The industry is one that is growing every day, and this means that there are many choices that you can consider when trying to find a company for your particular needs.
One way to find dumpster for rental that are delivered to your location is to get online and see what companies are in your area. This is a great start, but often people find that there are a few major companies, most of which are not willing to do a short turn around or delivery within a few days of the request. Most of them actually have weeks required for reservations because all of their equipment is being rented out presently.
This is not ideal for many people and their particular situations, so that is why you should spend time looking for a company that specializes in next day deliveries of these items. While it may be a bit more costly than the companies that you are familiar with, getting those eyesores off your property, and also keeping the property looking good and the grass growing green is of the utmost importance in the long run.
Categories: home improvement
November 21st, 2011
Plenty of people these days have significant allergies that have them dread crawling into bed each night, but allergen bedding is one way that thousands upon thousands of people are resolving their allergy issues. Though this is something that many people do not realize as an option that is out there and available, there are plenty of resources online that can help you to understand how these types of allergy preventing bed covers and pillowcases make a great difference in the restfulness that you get and the irritation that you experience from common allergy sources like dust mites and dander.
There are quite a few potential remedies out there to help alleviate the irritation that individuals experience with their allergies, but allergen bedding is a great preventative measure that can make a huge difference in the quality of sleep you are getting when you lay down to bed. Dust mites are one of the most common sources of allergies, but many people do not realize that this is something that is causing them difficulty.
The ability to apply an inexpensive cover to your mattress, pillows, duvet, and other areas that collect dust mites can keep these relatively harmless allergy sources trapped inside and away from your sinuses and respiratory tract. This is something that will affect your sleeping in only a positive way, so make sure that you are taking the next steps that are required so that you can be getting the peace you deserve when you crawl into bed each night.
November 16th, 2011
Throwing together a party can be a stressful ordeal, especially if its centered around the Big Game in February. If your home is going to be flooded by gridiron fanatics, you may feel compelled to stock up on football party decorations, but all you really need to do is make the right food and buy the right booze. The game is the center event and you really only need to provide the proper periphery.
That isn’t to say doing some basic decorating won’t liven things up a bit. Your guests will appreciate a little color here and there, especially if it is the same ones of the teams playing in the game. Even if you throw in some hues from the regional squads, you will put smiles on faces. But don’t spend too much money on décor considering you will hardly have an opportunity to ever use it again.
The areas to focus on are food and beverages. Much of your supplies will be ready-made and bought from the grocery store like chips, dips and eating accessories. Instead of focusing on inventive cuisines and elaborate cocktails, just run down to the supermarket and grab sweets and beer. You only really need to provide finger foods, and your budget will determine just how much is appropriate.
For what you can’t afford to buy in bulk you can probably make yourself for much less money. Wings, for example, are far cheaper to make than to buy, and they’ll be a huge hit for the beer-swigging fans guaranteed to be in attendance. The internet is full of fun and easy recipes that will be a hit, and you will also find a great deal of unique ideas to accommodate younger people.
Categories: home improvement, lifestyle
September 20th, 2011
One of the harshest facts that we have had to face in recent years is that the worldwide supply of oil and natural gas is diminishing, while prices are skyrocketing. It is time to find alternative ways to heat our homes, such as using wood burning stoves over gas powered heating. While scientists may differ over when the world will reach peak oil, they all agree that it is coming (or already here), and that the time to prepare for a paradigm shift in the energy industry has arrived. Between the amounts of pollution our dependence of fossil fuels has produced and the prices that we pay just to stay warm at night there have not been so many incentives to make a change for at least a century.
To begin with, a wood burning stove is carbon neutral, which means that keeping your house warm at night is not going to harm the environment. Wood is a renewable resource, there are thousands upon thousands of acres dedicated to tree farms, and many companies specialize in taking wasted wood from other uses (such as furniture or homes) to make wood pellets. Because wood is so easy to procure without professional help it is extremely difficult to restrict the supply in order to fix prices like we see with oil and natural gas. This means that the average homeowner is able to get an extremely cheap energy source while causing significantly less damage to the environment at the same time.
Plus, wood burning stoves have grown much safer in recent years. Advanced understanding of combustion and metallurgy has made modern stoves much safer than their old counterparts, drastically reducing the risk of a fire or burn injuries. Many modern stoves are so insulated that they are cool to the touch, and better locking doors make loose coals landing on the carpet improbable. With this new technology you probably have more to fear from your electrical outlet than your stove.
Categories: home improvement, lifestyle
August 2nd, 2011
Even if you have limited space in your yard or on your patio a wall water fountain can provide you with a focal point without taking up a lot of space. Most people with limited spatial constraints in their backyards wish that they were able to have a fountain or other water feature in their yard that they could enjoy.
There are a lot of great features about a water fountain that people love. Not only are they pretty to look at but they are relaxing to listen to. There is nothing more relaxing then sitting out on your patio in the evening listening to the sound of your water fountain. If you have always wanted a fountain but been concerned about where you can fit one of these units you will be happy to see that there are a number of fountains that you can hang right on your wall.
Look online for the largest selection of wall fountains out there. Select from models that come with stands or that you can install right into your wall. Look for different models that will look great with your existing patio furniture and your backyard décor. You can find fountains that are modern in their style and fountains with a more traditional look. No matter what your backyard looks like there are wall fountain styles that will compliment your existing décor.
These fountains are low maintenance and require minimal care on your behalf. You can simply fill them up and enjoy them summer after summer.
Categories: home improvement
July 5th, 2011
In order to get the most from your central vacuum hose you will want to keep your hose in good working order. There are three main elements to keeping your hose in top condition. Use this article as a reference when you want to get the most out of your central vacuum hose and for info on when it is time for you to replace your hose.
#1 Always store your central vacuum hose properly. The majority of hoses are broken when they get stepped on or when they are pulled taught and bent around another object. You can completely eliminate this from happening simply by storing your hose properly when it is not in use and by taking care to not step on the hose or pull it taught while you are vacuuming. When the vacuum is not in use keep your hose loosely wrapped around the storage arms on the vacuum unit. This can prevent the hose from falling onto the ground and getting stepped on or having a heavy object fall on it. When you are vacuuming, keep your vacuum in an area where you can see it when you are using the hose attachment and keep this area clear from any obstacles.
#2 Replace your hose as needed. If you have a small crack in your hose you can lose suction power. This can be a waste of energy if you spend more time trying to vacuum up debris instead of patching or replacing the hose. You can use electrical tape to make minor repairs to your hose but if you start seeing larger cracks it is time for you to buy a hose replacement. Don’t use a vacuum hose that is not getting good suction. It is a waste of your time and your money.
#3 Look for your hose replacements and for hose attachments online for the biggest selection and the best prices. Get the most out of your vacuum by using the right attachments and having a long enough hose to take on your tough cleaning jobs. There are a number of attachments that you can buy to take on your various cleaning tasks. Get an attachment for your bare floors so that you won’t ever have to sweep them again. Make sure you have a long enough hose to perform these tasks and you can get your home cleaner than you ever have been able to get it before.
June 22nd, 2011
Everyone can appreciate the romance and warmth emanated from a fireplace. They can turn a living room into a customized place for family gathering or quiet nights at home with your loved one; however, traditional fireplaces also can cause a mess, and if your home does not already have a fireplace, they can be somewhat difficult to install. Using electric fireplace logs are a good option if you would like to create this warm environment yet you do not have the means or desire to deal with a real fireplace.
The logs still emit light, and come with enough voltage to create a perfect glow for the entire room. You could even create a semblance of a mantel if you put up some shelves around the electric fireplace; this is going to turn it into the focus of the room, and it is a good way to draw people into the fireplace and use it as they would any fireplace using real wood.
Besides, electric fireplaces even give off a soft crackling sound, making them even more realistic. You will soon feel like you have a real fireplace in your room after spending some time with the electric version.
Finally, for anyone who is somewhat concerned with the environmental impact of pollution caused by fireplace usage, it is easy to consider the electric alternative a green option. Simply plug your new fireplace into any normal household outlet, and enjoy the feeling of sitting around a campfire without worrying about ashes. Families with small children will appreciate the additional safety as well.
Categories: home improvement