Easy Tips To Fight Off Personal Bankruptcy - Options Finance

If your valuable items are facing repossession, it can leave you feeling anxious or fearful. Put an end to the collection calls and come up with a plan that may involve filing for bankruptcy. Keep reading for tips that will help you navigate the process successfully.

Protect your home. Filing for bankruptcy doesn?t automatically involve losing your home. If your home has significantly depreciated in value or you?ve taken a second mortgage, it may be possible to retain possession of your home. Additionally, some states have homestead exemptions that might let you keep your home, provided you meet certain requirements.

Speaking with others who have gone through bankruptcy can help you feel better about the process. It?s quite common for you to feel alienated and unable to connect with your friends while you?re dealing with the stress of a bankruptcy. On the Internet, however, you can share your struggles and ask for advice from people who have already been through bankruptcy.

Do not delay the bankruptcy filing if it has become a necessary reality. If you have already concluded that you have no other options, procrastination won?t do you any good. You will just feel more stressed out by waiting and you could hurt your finances even more. This unfortunate turn of events can affect your life quite negatively. It?s better to file sooner rather than later.

Do not rely too heavily on your lawyer. Your lawyer is the one who knows about the bankruptcy laws, but it is in your best interest to find out as much about the proceedings as you can. It is vital to stay as involved as possible while filing for bankruptcy, after all it is your financial future.

Lots of individuals who filed bankruptcy vow to never again use credit cards or lines of credit ever again. This may not be such a great idea because you still need credit to to help build better credit. Avoiding credit altogether prevents you from rebuilding your credit standing, and will therefore serve as an obstacle when you wish to finance a house or a vehicle. To start, use one credit card sparingly and pay it off in full each month.

If you make a mistake and the judge dismisses your personal bankruptcy case, it is possible to file again. Generally though, there is only a window of 30 days after the first filing to refile after dismissal has occurred. It is possible to have the stay extended by making a showing that the error was excusable and that you should be permitted to file again.

Consider Chapter 13 bankruptcy for your filing. If you posses a regular source when it comes to income, and you have less than $250,000 of unsecured debt, you could file using Chapter 13 bankruptcy. Chapter 13 bankruptcy permits you to remain the owner of your properties, while allowing you to repay your debt using a debt consolidation loan. Typically, this goes on for roughly three to five years, and once this time has expired, your unsecured debt is eliminated. Just know that missing one payment could cause your case to be dismissed.

You do not have to lose everything you own when filing for bankruptcy. Most of the time, you retain your personal possessions. In other words, your clothes, your television, your computer, your furniture, your jewelry and other household items are safe. The laws of your state and the kind of bankruptcy for which you are filing, coupled with your financial situation, will determine what personal property you are allowed to retain. Additionally, the retention of large assets, such as your automobile and your home, is determined by these considerations.

Check out every other possible solution before settling upon the idea of filing for personal bankruptcy. You should also know that some debt consolidation firms are little more than scams that will only hurt your financial situation further. If you must file bankruptcy, learn from your mistakes and become a more conscientious consumer.

This article has hopefully provided you with a good deal of knowledge to continue on your journey of success. Just take in the information and then use it so that you can make things a lot easier on yourself. You will meet success in your different projects if you use these tips and do more research on stock market.

Source: http://www.optionstradinganalysis.com/2012/12/25/easy-tips-to-fight-off-personal-bankruptcy/

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China Says It Now Has 1.104B Mobile Users, While ... - TechCrunch

Statistics released yesterday?(link via Google Translate) by China?s Ministry of Industry and Information Technology (MIIT) say that as of the end of November 2012, there were 1.104 billion mobile phone users in that country, an increase of nearly 118 million people during the first eleven months of 2012. This would mean that about 82% of China?s population currently uses a mobile phone (though as commenters noted below, many of these mobile phones could have dual sim cards, which was not taken into account in the MIIT?s report).?The number of 3G phone users reached 220 million, or about 20% of mobile phone users. Broadband Internet service users increased by 24.03 million in the first 11 months of the year, while the number of mobile Internet users increased by 111 million to 750 million.?From January to November 2012, mobile communications revenue in China totaled 724.53 billion yuan (or about $116.26 billion US dollars), an increase of 11% over the same period last year.

The rapid growth of the Chinese smartphone market means that it is set to top the U.S. iOS and Android install base next year. According to?a research report by Flurry released last month, China currently has 167 million iOS or Android devices, compared to 181 million in the U.S.

China?pulled ahead of the U.S. in the number of smartphones sold for the first time during Q3 2011 according to Strategy Analytics; during that time frame, 24 million units were sold in China, compared to 23 million in the U.S.

According to research by?Gartner, Lenovo, the maker of the Android-powered LePhone, is expected to take the number one smartphone seller slot in China away from Samsung next year, thanks to its?strong brand recognition and portfolio of affordable phones. Other local brands to watch include Xiaomi Tech (which is positioning itself as ?the Apple of China?), Yulong, ZTE and Huawei. Though the iPhone continues to be hugely popular in China, that has not been enough to keep Apple?s share of that country?s smartphone market from eroding.

Source: http://techcrunch.com/2012/12/24/china-now-has-1-104b-mobile-users-while-mobile-communications-revenue-totaled-116-26b-over-first-11-months-of-2012/

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Real Estate Ideas That Can Have You Buying Like A Pro - Maynas Eric

Is the subject of real estate one that you think you know everything about? There?s so many small things you need to know. Some of the most expert buyers still learn new things all the time. This article is here to help you with tips that you can use when thinking about what kind of real estate you want to buy.

It is a good idea to retain an attorney who specializes in real estate when you are involved with foreclosure purchases. Unexpected complications are especially troublesome in foreclosure-related deals, and consulting a legal professional should be considered. The proper legal representation can save you money and headaches over the long run.

Monitor residences in pre-foreclosure status. If you have lots of time to devote to finding your investment property, then pre foreclosures may be the way to go for you. Properties classified as pre-foreclosures are simply homes that are delinquent and at risk of going through the foreclosure process in the near future. You can get a lender?s list of pre-foreclosures, or place advertisements stating that you will pay cash to buy homes. However you locate the owner of a pre-foreclosure property, you need to figure out how much he or she owes on the mortgage and make an offer a little higher than that amount. This will be a great bargain for you, since most do not owe the house?s full market value.

TIP! It is easier to begin the purchase of real estate when you are organized. Dedicate a notebook just to the information you gather online, from the newspaper, from friends and from your agent.

Consult a qualified real estate professional before investing in a property. These people will have resources that may not be directly available to you. Most brokers have useful tools such as specialized software that can search and sort through MLS listings. The use of the MLS by a Realtor will allow search criteria that is unavailable through doing a search on you own.

If you are seriously considering buying a home, take the time to measure it. You need to make sure public records for square footage match the listing. If these numbers do not match up closely, you should not buy the property or go to the proper authority to have it fixed.

Always get an inspection of the home you wish to buy. You don?t want to discover after you buy that your house needs a lot of renovating. This will not only cost you extra money, you might have to find suitable living arrangements while the home is being repaired.

TIP! Be careful about purchasing a home when your job is uncertain. Once your signature is on the dotted line, you?ve agreed to be responsible for the monthly payment, regardless of your circumstances.

Buy a house with more than one fireplace only if your climate necessitates it. It is a real hassle to keep up with cleaning multiple fireplaces and they are rarely used anyway.

If you are considering renting a home or apartment that has a garden, don?t sign a lease agreement until you find out from the landlord who is responsible for tending the garden. Sometimes rentals require that you handle it yourself, or for you to hire a gardener or yard person. Other places still will offer this service as an added monthly fee.

When you officially decide to purchase a home, don?t forget all the other options that are available. It can take a long time to find that property that can fit your strategy and goals.

TIP! When you?re ready to buy a home, you?re aware of the asking price. However, figuring out your offer is most important.

When looking to purchase a new home, it is very important to avoid the trap of judging a house based on its decor. You should focus your shopping comparisons on the condition that the house is in and whether it has solid construction. If you buy a home primarily because it has structural details that appeal to you, you may fail to recognize critical flaws that can end up costing you thousands of dollars down the road.

Don?t purchase properties before thoroughly researching them. Even for rental property, you should look at some important features before purchasing. The first is whether the property is sustainable. Is this property in good condition and does it just require minimum upkeep? Equally as important is the location of the property. For a major portion of rental properties, location is a paramount consideration. Consider the needs of your tenants in regards to shopping and access to service providers. Lastly, average income in the area is also important. If the average income is high, your property will attract a certain type of renters. You will find location to be more of a concern in areas where rents are low.

TIP! During your first meeting with an agent make sure to ask all the questions which are pertinent to your situation. Some questions to consider is are you a buyer?s agent, a seller?s agent or a dual agent.

If you?re thinking about relocating, you may want to consider looking online at the neighborhood of the house you?re thinking of purchasing. There is a wealth of information available on the Internet, even for small cities and towns. Make sure that you can live comfortably in a town by researching the population, unemployment rate and salary ranges.

You now know more about real estate than you did at the beginning of this article. Who knows, maybe someone you help out will lead you to success someday.

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Source: http://www.maynaseric.com/real-estate-ideas-that-can-have-you-buying-like-a-pro-4

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Colts, Bengals make playoffs with wins

One year after putting together the NFL's worst record, the Indianapolis Colts are headed to the playoffs.

Joining them on Sunday were the Cincinnati Bengals, finishing out the field in the AFC.

The Colts (10-5) equaled the 2008 Miami Dolphins as the only teams to win at least 10 games after losing 14 or more the previous season. Top overall draft pick Andrew Luck completed a 7-yard touchdown pass to Reggie Wayne late in the fourth quarter for a 20-13 victory at Kansas City.

Cincinnati qualified for a second straight postseason berth for only the second time in franchise history, edging archrival Pittsburgh 13-10. The Bengals have never gone to the playoffs in successive years that did not involve a strike-shortened season.

Luck finished with 205 yards passing to break Cam Newton's year-old rookie record of 4,051 yards in a season. He also extended his rookie record for fourth-quarter comebacks to seven by leading his team downfield in the closing minutes.

"Mission accomplished. That's all I can say," Colts interim coach Bruce Arians said. "Without getting emotional again, knowing that (coach Chuck Pagano) is going to be back Monday, the work week shouldn't be as stressful."

Pagano has been sidelined since a loss to Jacksonville in Week 3.

For the Bengals (9-6), Andy Dalton hit A.J. Green with a 21-yard pass in the final moments, setting up Josh Brown's 43-yard field goal with 4 seconds remaining. The loss eliminated the Steelers from contention.

"A lot of people talked about we hadn't been in in back-to-back seasons in 30 years," Green said. "I don't worry about that stuff. I've been here two years and we made the playoffs all two years. That's all we can control."

Minnesota's 23-6 win at Houston prevented the Texans from earning home-field advantage throughout the AFC playoffs. AFC South champion Houston (12-3) still can get that by winning at Indianapolis in the season finale.

New England has won the AFC East, Denver the West. Baltimore clinched the North by beating the New York Giants 33-14, sending the defending Super Bowl champions to the brink of elimination.

Washington's 27-20 win at Philadelphia, combined with New Orleans beating Dallas 34-31 in overtime means the Redskins (9-6) will win the NFC East by beating the Cowboys next week.

But Dallas (8-7) takes the division by winning that game at Washington, which the league has flexed to prime time.

"They know what it means," coach Mike Shanahan said. "They've been working toward this opportunity to win the division. Any time you win the division, everybody knows you have a home game in the playoffs. We talked about that from Day 1. They knew what we had to do to get there. We haven't accomplished anything yet."

Green Bay clinched at least the third seed in the NFC when it routed Tennessee 55-7. The NFC North champs (11-4) still could wind up second overall in the conference and get a bye and moved into the No. 2 slot when Seattle romped over San Francisco 42-13.

"We have momentum going for us, particularly what we've done over the last nine weeks, 10 weeks," coach Mike McCarthy said of Green Bay's nine wins in the last 10 games. "So we wanted to take the next step as a football team and I felt we were able to accomplish that today."

The 49ers (10-4-1) will win the NFC West by beating Arizona next weekend. Seattle (10-5) earned at least a wild-card spot and finishes at home against St. Louis.

On Saturday night, NFC South winner Atlanta won 31-18 at Detroit to clinch home-field advantage throughout the conference playoffs.

Minnesota (9-6), Chicago (9-6), the New York Giants (8-7) and Washington could wind up with the final NFC wild card. Dallas can't get a wild card.

___

Online: http://pro32.ap.org/poll and http://twitter.com/AP_NFL

Source: http://news.yahoo.com/colts-bengals-playoffs-wins-225511950--nfl.html

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Anti-tax conservatives say no to tax-increase deal

BOSTON (AP) ? In the city where a protest over tax policy sparked a revolution, modern day tea party activists are cheering the recent Republican revolt in Washington that embarrassed House Speaker John Boehner and pushed the country closer to a "fiscal cliff" that forces tax increases and massive spending cuts on virtually every American.

"I want conservatives to stay strong," says Christine Morabito, president of the Greater Boston Tea Party. "Sometimes things have to get a lot worse before they get better."

Anti-tax conservatives from every corner of the nation echo her sentiment.

In more than a dozen interviews with The Associated Press, activists said they would rather fall off the cliff than agree to a compromise that includes tax increases for any Americans, no matter how high their income. They dismiss economists' warnings that the automatic tax increases and deep spending cuts set to take effect Jan. 1 could trigger a fresh recession, and they overlook the fact that most people would see their taxes increase if President Barack Obama and Boehner, R-Ohio, fail to reach a year-end agreement.

The strong opposition among tea party activists and Republican leaders from New Hampshire to Wyoming and South Carolina highlights divisions within the GOP as well as the challenge that Obama and Boehner face in trying to get a deal done.

On Capitol Hill, some Republicans worry about the practical and political implications should the GOP block a compromise designed to avoid tax increases for most Americans and cut the nation's deficit.

"It weakens the entire Republican Party, the Republican majority," Rep. Steven LaTourette, R-Ohio, said Thursday night shortly after rank-and-file Republicans rejected Boehner's "Plan B" ? a measure that would have prevented tax increases on all Americans but million-dollar earners.

"I mean it's the continuing dumbing down of the Republican Party and we are going to be seen more and more as a bunch of extremists that can't even get a majority of our own people to support policies that we're putting forward," LaTourette said. "If you're not a governing majority, you're not going to be a majority very long."

It's a concern that does not seem to resonate with conservatives such as tea party activist Frank Smith of Cheyenne, Wyo. He cheered Boehner's failure as a victory for anti-tax conservatives and a setback for Obama, just six weeks after the president won re-election on a promise to cut the deficit in part by raising taxes on incomes exceeding $250,000.

Smith said his "hat's off" to those Republicans in Congress who rejected their own leader's plan.

"Let's go over the cliff and see what's on the other side," the blacksmith said. "On the other side" are tax increases for most Americans, not just the top earners, though that point seemed lost on Smith, who added: "We have a day of reckoning coming, whether it's next week or next year. Sooner or later the chickens are coming home to roost. Let's let them roost next week."

It's not just tea party activists who want Republicans in Washington to stand firm.

In conservative states such as South Carolina and Louisiana, party leaders are encouraging members of their congressional delegations to oppose any deal that includes tax increases. Elected officials from those states have little political incentive to cooperate with the Democratic president, given that most of their constituents voted for Obama's Republican opponent, Mitt Romney.

"If it takes us going off a cliff to convince people we're in a mess, then so be it," South Carolina GOP Chairman Chad Connelly said. "We have a president who is a whiner. He has done nothing but blame President Bush. It's time to make President Obama own this economy."

In Louisiana, state GOP Chairman Roger Villere said that "people are frustrated with Speaker Boehner. They hear people run as conservatives, run against tax hikes. They want them to keep their word."

Jack Kimball, a former New Hampshire GOP chairman, said he was "elated" that conservatives thwarted Boehner. He called the looming deadline a political creation. "The Republicans really need to stand on their principles. They have to hold firm."

Conservative opposition to compromise with Obama does not reflect the view of most Americans, according to recent public opinion polls.

A CBS News survey conducted this month found that 81 percent of adults wanted Republicans in Congress to compromise in the current budget negotiations to get a deal done rather than "stick to their positions even if it means not coming to an agreement." The vast majority of Republicans and independent voters agreed.

Overall, 47 percent in the poll said they blamed Republicans in Congress more than Obama and Democrats for recent "difficulties in reaching agreements and passing legislation in Congress." About one-quarter placed more blame on the Democrats and 21 percent said both were responsible.

Although negotiations broke down last week, Obama still hopes to broker a larger debt-reduction deal that includes tax increases on high earners and Republican-favored cuts to entitlement programs such as Medicare and Social Security. If a compromise continues to prove elusive, lawmakers could pass a temporary extension that delays the cliff's most onerous provisions and gives Congress more time to work out a longer-term solution.

That's becoming the favored path by some Republicans leery of going over the cliff.

Mississippi Republican Chairman Joe Nosef shares his Southern colleagues' disdain for tax increases. But he stopped short of taking an absolute position.

"I really, really feel like the only way that Republicans can mess up badly is if they come away with nothing on spending or something that's the same old thing where they hope a Congress in 10 years will have the intestinal fortitude to do it," he said.

Matt Kibbe, president of the national organization and tea party ally, FreedomWorks, says that going over the cliff would be "a fiscal disaster." He says "the only rational thing to do" is approve a temporary extension that prevents widespread tax increases.

But his message doesn't seem to resonate with conservative activists in the states.

"If we have to endure the pain of the cliff then so be it," said Mark Anders, a Republican committeeman for Washington state's Lewis County. "While it may spell the end of the Republican Party ... at least we will force the government to cut and cut deep into actual spending."

Back where the Boston Tea Party protest took place in 1773, Morabito wonders whether Boehner will survive the internal political upheaval and says Republicans need to unite against Obama.

"It looked like from the very beginning they were just going to cave to what President Obama wanted," she said of the GOP. "I didn't want that to happen. Now I'm hopeful that they're standing up for taxpaying Americans."

___

Associated Press writers Bill Barrow in Atlanta, Rachel La Corte and Michael Baker in Washington state, Thomas Beaumont in Iowa, and AP Director of Polling Jennifer Agiesta in Washington contributed to this report.

Source: http://news.yahoo.com/anti-tax-conservatives-no-tax-increase-deal-135031595--finance.html

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FlipSide case for iPhone packs stealthy game controls, plays on solar power (video)

The perpetual challenge of developing an iPhone-friendly gamepad (or any phone-oriented gamepad) is the bulk, either for a gargantuan case or else a separate controller. If Justice Frangipane's team and iDevices have their way, that clunkiness will be a distant memory. Their proposed FlipSide case for iPhones (we see a prototype here) centers on Bluetooth 4.0 gamepad controls that stay clipped to the back when just checking email, but attach to the front for playtime. They'll save us from hunting down a wall outlet, too; the combination of a sensitive solar cell and a thin film battery from Infinite Power Solutions should keep the case powered up through even indoor lighting. The only real challenge is getting the case produced, as Frangipane is looking for crowdfunding to make the FlipSide a reality. Provided his group makes its donation target, though, there's the prospect of an Android version -- so those who don't play the iOS way could still reap the rewards if they chip in at the source link.

Continue reading FlipSide case for iPhone packs stealthy game controls, plays on solar power (video)

Filed under: Cellphones, Gaming, Peripherals, Mobile, Apple

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Source: Flipside (Kickstarter)

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Monti urges debate on Italy election as rivals open fire

ROME (Reuters) - Outgoing Prime Minister Mario Monti posted his reform agenda online on Monday, urging Italians to join a debate on their country's future as potentially bitter election campaign gets underway two months before Italy goes to polls.

Following weeks of hesitation, Monti declared his availability on Sunday to lead a reform-minded centrist alliance to seek a second term to complete the economic reform program begun when he took office just over a year ago.

The former European Commissioner, appointed at the head of a technocrat government to save Italy from financial crisis, has now thrown off his mantle of neutrality and entered a race that will be dominated by his tough reform agenda.

Even if he confirms his entry into the campaign, Monti appears unlikely at this stage to return to office but his involvement could strengthen a centrist alliance and help shape the agenda of the next government.

The center-left Democratic Party (PD), which has pledged to maintain Monti's broad reform course while giving more help to workers and pensioners and emphasizing growth more, is favored to win but may have to strike a coalition deal with the center.

In an open letter to Italians posted online and accompanied by a 25-page policy program, Monti said he hoped that the agenda would lead to an "open reflection" that would help shape the debate ahead of the election on February 24-25.

He urged a mix of budget rigor and structural reform as well as measures to crack down on corruption and get more women and young people to work.

However the tone of the campaign has inevitably moved away from calm debate and into the murky and sometimes treacherous territory of Italian party politics, where Monti is a novice.

GLOVES COME OFF

At a news conference on Sunday, he attacked left-wing trade unions for resisting reform but reserved special criticism for his scandal-plagued predecessor Silvio Berlusconi, whom he picked on repeatedly for his "bewildering" changes of position.

Speaking to one of his own television channels, the 76 year-old media billionaire responded by saying it would be "immoral" for Monti to fight the election after governing as an unelected premier with the support of the main parties.

One of Berlusconi's chief lieutenants, Fabrizio Cicchitto, parliamentary floor leader of his People of Freedom (PDL) party, indicated that Monti's international standing and the respect he enjoys among Italy's European partners would count for little.

"He's taken aim at the PDL, which obviously has no choice but to respond in kind," he said.

Monti, a Life Senator who does not need to stand for election to parliament, has not said exactly what forces he could support but the centrist parties he has been linked with greeted his announcement with great enthusiasm.

"We're not forcing Monti but obviously if it happens, the value it adds to our project will be enormous," Pierferdinando Casini, head of the centrist UDC party, which is close to the Catholic church, told the daily La Repubblica.

A small number of centrists from both the two main parties, including former Foreign Minister Franco Frattini announced they were leaving their parties and would support Monti, whose reform agenda is strongly backed by Italy's business establishment.

However the centrist group lags both the center-left Democratic Party (PD) and the PDL as well as the anti-establishment 5-Star Movement in opinion polls and without Monti, it has little chance of making any significant gains.

Even with the respected economics professor at its head, a centrist alliance including the UDC and other smaller parties including a new group created by Ferrari chairman Luca Cordero di Montezemolo, appears likely to struggle to pass 15 percent.

(Reporting By James Mackenzie; Editing by Jon Boyle)

Source: http://news.yahoo.com/monti-urges-debate-italy-election-rivals-open-fire-133020436--business.html

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