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Year: 2020

Holding Off On Bankruptcy For Now

I was able to talk with a Dave Ramsey counselor today. We discussed my income and the level of my debts and how fast they’re growing. I’ve been working the plan just as prescribed and I’m on the right track. I just need to keep working on getting my income up as much as I can, which I’m doing.

My counselor suggested paying $10 or so each month to the creditors I can’t make a real dent with right now and focusing what money I do have on the next debt in line in the snowball and get it paid off. That will put more money toward paying the debt, and less maintaining a relationship with the other debt collectors. Basically, I stop paying on a pro rata basis and start paying a flat rate. That will leave twice as much money to pay on the lowest debt than I had on the pro rata plan. That will make a big difference in making the money I have work harder for me.

I am making progress. I’ve paid off 6 debts. I’m just discouraged because I’m not making any headway on the back end of my snowball. I’ve got to keep plugging along and work toward getting a bigger shovel (more income, a lot more).

I’m going to try this over the summer and work on increasing my online income while I’m delivery pizzas and tutoring. We’ll see where I’m at in August.

If it gets too tough to handle or I’m not making progress, I can always file for bankruptcy at any time. I found my pre-bankruptcy counseling certificate and I have all my paperwork in order. All I have to do is take it to my attorney. I’m going to keep it ready to go and that is my fall-back position for now.

Need to Get Medical Insurance

This is one of the “inside your own 4 walls” issues I haven’t taken care of. Before I put more on the debt I need to get with the local health insurance ELP about what coverage I could at least get for myself. I need something to cover me if I get really sick and need to go to the hospital. As far as I know, if I needed a hospital stay I could go to the public hospital (Earl K. Long Hospital) and my costs would be waived for lack of ability to pay.

My son is on Medicaid, but I only use it when it’s something bigger than I can handle. I pay cash for his routine doctor visits or when he needs to see his pediatrician when he’s sick. Medicaid pays for his prescriptions because they are really expensive but vital to his survival. They would reimburse me for my expenses, but I don’t do that because I can manage my costs okay on my own so far.

I don’t want to stay in this position any longer than we have to, so I’m seeking reasonable coverage for both of us that won’t break us financially. It may require that I keep searching for a solution for awhile. I have been searching for 2 years now, but things are changing and more products are becoming available in a more competitive marketplace.

I am not sure what the future holds in store for me in such matters but I can guarantee that I won’t allow the International Debt Collection Agency to dictate terms on how to live my life because I have made it clear that I would work out a solution to ease things out even if I have to file for bankruptcy in the near future but one thing is for sure that I won’t bow down before the authorities to do their bidding to clear out on legal issues.

The only reason we don’t qualify for food stamps is I have an IRA. The state considers that a usable asset and won’t award food stamps to anyone who has any usable assets, no matter what the tax consequences or how that asset is viewed by any other law, like the bankruptcy law.

Where Can You Find Great Deals On Furniture- Online Or Offline?

Whenever a person buys furniture for their house, it is not the decision of a single-family member. It involves every family member, and everyone has their idea and designs. While purchasing a product with a family can be a little complicated. 

However, if we talk about the product, whether you should go for online shopping or offline many people have their perspective, and we will try to analyze that in this article.

Online vs. offline 

While buying furniture for the house, people in your family have a different opinion like some will say they want a black french provincial dining tableand others may have a different choice of a dining table. But the more complicated thing is whether online or offline that we will study go. Following are some points-

  • Convenience

One thing that a person can experience in online shopping and not offline is convenience. Because of online purchasing, you don’t have to go anywhere taking the whole family with you, you can just choose the furniture sitting at home, and everyone can have their option.

  • Wide variety

The next thing a person checks the variety, the designs they want to see every design in the market and select the best one. In offline shopping, you have to go to a store, and there may be a chance that you may not get or like the design, but on the other hand, in online shopping, you can get a wide variety of designs.

  • Great Deals

One of the best options is that you may have great deals like you can get a coupon or discount on the first-time offer and many other deals in online shopping. In offline stores, you may not get this offer every time. You can get some discount only if the owner of the store knows you.


In my opinion, online purchase of the business can be very beneficial for a person than offline. You can find great deals online than offline.

Painting and Decorating Services – What to Consider?

For the people who opt for hiring an online company to get the best painters and decorators, it is a must for them to learn about its various elements. It is a must for people to learn about online painting companies’ various aspects to get the best painting and decorating services. Usually, the companies assure that We offer high end painting and decorating service for offices and various other places. Try to consider the below details if you want to know about the various aspects that will help you get the best painters and decorators.

  • Consider the Services

When you opt to hire a decorative company online, you should consider their services first. It will help you to know whether the company’s painters and decorators are up to date or not. Once you get to know about the various services, it will be easy for you to select the best company for changing your place’s appearance.

  • Designs

You should also check the decorative companies‘ designs to make a great selection when you are searching for the best painters and decorators. It will help you get the best designs of the homes and allow you to get the best result for your home designs.

  • Paint Type

When you opt for hiring the best painter for changing your home’s appearance, you should be focused on the paint type. It will help you know the type well and allow you to get the best results with no problem involved.

Final Verdict

Finally, when you move close to the various aspects of the painting and decorating companies, it will allow you to have a safe selection with proper security. It will also help you have a safe and wonderful changing experience with great improvements in your home.

Keep Your Kids Toys Safe And Organized With Toy Boxes

Kids of all ages enjoy playing with toys but what proves to be a disaster for their parents is that it is very hard to store and arrange all of those toys. Kids often throw their toys here and there and create a mess in the entire house, and this mess can be avoided by using a Mänguasjakast.

Toy Box

A toy box is traditionally a square or rectangular box with a lid and is used to store toys. A toy box can be of any shape and size, but its purpose is to store toys, and it is designed for the same purpose. It is usually made up of wood, which makes it reliable and not prone to damage.

Uses Of A Toy Box

  • A toy box is a storage box that is specially designed for storing and organizing toys.
  • These toy boxes come in many different sizes and can be used to store all sorts of toys.
  • People can even buy customized toy boxes to meet their requirements. Many toy boxes also have different sections for different toys, which help in arranging the toys.
  • As toy boxes are designed for kids, most of them are vibrant in colors and have interesting patterns that make them look beautiful.

  • Toy boxes can be placed in the playing room of children, and apart from storing toys, they can also be used as a table if they are made up of strong material like wood.
  • Such boxes are also suitable for taking toys from one place to another.

Mänguasjakast is good for storing toys, and they not only keep the toys safe but also keep the house clean, because if the toys are not kept in a box, then a lot of effort would go into arranging them and cleaning them, so they do not look messy and ruin the look of the entire house.

Quick Tips On Selecting The Best Children’s Bed

Many things change when a baby arrives in the family or children are in the growing stage. Their needs would be different from that of the adults. Every parent would want to give their toddlers the best of everything. One such vital thing to be given would be a comfortable setting for a sound sleep. The right kind of bed determines the sleeping quality, duration, and pattern for the kids. Hence, it becomes significant to buy the Laste voodi meticulously.

How to select the superlative bed for kids?

Buying a bed for children is not a random thing. Some points of consideration would remain imperative forever. You may take notes of the following things before this purchase:-

  • Purpose Perceptive

Besides enabling a wholesome sleep, a bed may also help to fulfill other purposes. A baby cot would ensure the safety of a crawling baby. A car bed is suitable for taking the baby along restfully. Drawer beds can help to save space by keeping a lot of stuff inside.

  • Sturdy Comfort

Children’s bed should be perfectly stable to avoid sudden collapses. A shaky creation may lead to falling off the bed and other mishaps. Hence, it is crucial to check the rigidity and high-quality material of the bed. Soft mattresses are imperative to add the luxury of comfortable sleep.

  • Stylish Look

Another factor might be the wish to have a charming and chic fixture in the room. Well-lit canopy beds, colorful bunk beds, cartoon-shaped beds, etc., may bring an instant smile to your darling kid’s face.

The size of the bedroom and the personal preferences of the child can also be the deciding factors. Buying a bed is like an investment to get good sleep and rest. Be choosy and ensure safety besides comfort.

Understanding Of Electrical Contractor And An Electrician

In the industrial sector, the electrical workers are essential as they ensure proper installation and working of the electrical appliances. These professionals manage the installation of wires in both the commercial and residential buildings. There are two terms related to this profession, one is an electrical contractor, and the other one is an electrician. Though the terms might look similar, there are differences in the work they do. For the constructions sites, it is best to hire an electrical contractor. Are you looking for an electrician in Nashville, TN? Online websites provide information related to various service companies from which you can hire one for your project.

Analyze your requirements and hire the right person

For construction works, installing the high-voltage electrical systems and other complicated works, hiring an electrical contractor is the best. These contractors are specialised in handling complex electric systems using the right skill set. The professionals are given proper training to take care of the equipment without causing any danger to the construction site as well as the system.

These contractors are generally classified based on the work they perform at the construction site. The profession called an electrician gets equipped with adequate training to handle electrical systems. They are hired by the electrical contractors for carrying out different tasks at the site and to handle minor or major electrical problems. These electricians are either supervised by the contractors or self-employed.

Basically, an electrician is a person who is gets hired by companies owned by electrical contractors. For you to choose the right person, it is essential to understand the construction requirements. After proper analysis, approaching the right professional becomes an easy task. Look for the best companies that provide you with skilled workers for completing the job successfully.

Hire the right professionals for your project related to commercial or residential and carry out the work smoothly.

Know About Countries With Less Taxes

Tax season may lead to dreams of living somewhere, wherever, and can occur four times per year if you avoid projected taxes, which helps you to paises con menos impuestos.

Countries’ Tax Suggestions:

  • Australia

On the work visa in Oz, you will work up to 6 months with each company, and you will be taxed at 32 percent as a non-resident.

  • Austria

If you’d like to stay for even more than three months, you should register for a registration card.

  • Belgium

For the top earners, taxation in Belgium is now at a rate of over 50 percent. You will be deemed a resident when you stay for at least six months and during the tax year and register with both the local municipality and tax it from your foreign earnings.

  • Canada

How often tax your income depends on your citizenship status, but you will possibly pay 15%-29% payroll taxes on a certain salary.

  • Denmark

You may be entitled to restrict taxable income if you do not live in Denmark but generate money there.

Life without taxation on income: Is this possible?

There are three choices for individuals and businesses in the U.S. looking to stop paying income taxes.

  • The first is to use the 183-rule to switch from one nation to the other regularly. Unless you never stay long enough to become a citizen, you can’t become a fiscal resident.
  • The second alternative is to earn money in one nation when living in a foreign country that does not tax international income. This would include revoking one’s previous citizenship, immigrating effectively to a host nation where overseas taxes are tax-free, and finding a job in a nation that is not that new state.
  • Option three is most likely to be the easiest: living in a country that does not charge taxes.

Citizens are encumbered with countries with less taxes in the nation, although there are four countries where residents do not pay any income tax.

Cash Loans The Best Way To Get Rid Of Trouble When You Run Out Of Money

Do you need money now? Don’t you have a single penny in your bank account? Many of us have been in a similar situation. Sometimes emergencies can happen and we don’t have the money to deal with them. Not having enough money at a certain time could change your life forever.

Nowadays, loans are a quick solution to the lack of money. Many people have managed to pay off important debts that would be impossible to pay with their salaries. Even paying something now with the help of a loan could be a better idea than waiting and paying for it with your own money in the future.

Have you ever been unable to take advantage of an offer for not having enough money? Maybe someone tries to sell you that car you always wanted to buy at a very low price, but you need to get the money as quickly as possible. Offers like that aren’t repeated twice in life, and at times like that, it’s convenient to ask for a loan.

Florida Title Loans is offering the cash loans for the purchasing of car. The paying of cash will offer low interest rate to the individuals. They can select the right model of the car with the fewer formalities. The services are offering the best results to the individuals in buying an auto car.

In New Jersey, buying and selling homes and cars is the livelihood of many people. If loans didn’t exist, many of them couldn’t complete some important businesses. Loans are very common in some places in New Jersey. Every day, at least one person applies for a loan Freehold. Best of all, when you apply for a loan Freehold, you can pay it in fixed installments and if you try to pay before agreed time, no additional fees will be charged.

Applying for a loan at a bank can be difficult. People with a short credit history are usually rejected. In fact, many of these people have very few resources and many respected banks refuse to offer their help.

For people in situations like that, cash loans Brick are the best option. In the main shopping areas, you can find stores that offer cash loans Brick with very low interest rates. Usually, you have several months to pay your debt in comfortable installments that you can easily cover with a minimum salary.

In some circumstances, we need cash immediately, but the nearest ATM is hundreds of miles away or it’s out of service. Have you ever needed cash late at night? Surely, very few ATMs are working at that time. What can you do?

In New Jersey, several cash loans work 24/7. Usually, they’re in very busy and safe areas, so you shouldn’t worry about walking there during late hours of the night.

Cash loans can be very useful for people without life or car insurance. A family member suffered a heart attack? Did you crash your car? Situations like that could get worse when you don’t have insurance. Perhaps the balance of your bank account isn’t enough to pay such a large debt. In cases like these, don’t hesitate to request a loan to solve the situation.

As you can see, loans are important in emergency situations. There’s nothing worse than running out of money when we really need it. Therefore, don’t put at risk your well-being or that of your family because of the lack of money. Make a wise decision and request a cash loan immediately. Their fixed rates are so low that paying them will surely be a piece of cake.

Tips For Loans Credit

Applying for a Loan?–Start by Ordering Your Credit Report If you are considering applying for a loan, ordering a copy of your credit report may well be the best place to start. Why? Because it’s also the first thing a potential creditor will be looking at, and even if you pay your bills on time, you will want to ensure that all the information in your credit file is up-to-date and accurate. Studies have shown that many credit files contain inaccuracies that could affect your credit rating, and even lead to the rejection of a loan application. That’s why reviewing your credit report beforehand may be a good idea, giving you time to dispute any items that may be the result of simple human error or a technical glitch. And depending on whether you are applying for an auto loan, a mortgage loan, or a loan for business or personal use, different lenders may apply different standards in rating your credit worthiness. For this reason, reading your credit report and understanding how your credit data might be interpreted may give you a chance to improve your credit worthiness from the point of view of a lender.

If you would like to get a free copy of your credit report right now, click here. Before you begin the application process, check your credit report for the following items: Clerical Inaccuracies Sometimes credit reports contain inaccuracies that are the result of a computer glitch or a clerical error. These may include payments not credited, late payments, or data mixed in from a credit file of someone with a name similar to yours. Ordering your credit report will quickly show you what the lender will see–then it’s up to you to dispute any information that you consider inaccurate. If you would like to get a free copy of your credit report right now, click here. Excess Unused Credit To make your credit more attractive to a potential lender, you may wish to consider reducing the number of revolving charge accounts that are listed as active on your credit report.

Lenders will sometimes view too much revolving debt as a negative when considering a loan application. In situations where you have stopped using a credit account, it is often a good idea to close the account if you don’t plan to use it anymore. Make sure your creditor notates the account “closed at consumer’s request”–otherwise, a prospective lender might assume the creditor closed the account for other reasons. A few credit cards managed well may improve your chances for a loan–particularly a mortgage loan, where lenders use stricter qualifying guidelines. Another rule of thumb is to keep balances on credit cards around 75% of the available credit limit. Ironically, credit cards that have lots of room on them may be viewed as potential debt, while maxed-out cards make you a less desirable credit risk–both of these situations could compromise your ability to obtain a loan. If you would like to get a free copy of your credit report right now, click here. 30-day and 60-day Late Payments Even if your credit report contains a couple of 30-day late payment entries that are accurate, many lenders will overlook the occasional late payment if you explain the situation and your credit is otherwise good.

Try to avoid any payment being 60 days late however, as this may be a red flag for some lenders–even if they do grant you the loan, it may come at a higher rate of interest and with less favorable terms of Loans in Jamaica. The primary period lenders are interested in on a credit report is the last two years, so try to maintain on time payments, and verify that the payments are being credited properly by checking your credit report regularly. If you would like to get a free copy of your credit report right now, click here. Avoid Unnecessary Inquiries Each time a prospective creditor looks at your credit report, an inquiry notation is added to your file, and most inquiries stay on your credit report for up to two years. Inquiries you make yourself, inquiries made during screening for a pre-approved offer of credit, or an inquiry that is part of a background check for employment purposes are not reported to potential credit grantors.) It is best to avoid over-applying for credit and running up excessive inquiries, for the simple reason that lenders of creditors may think you’re trying to get credit due to financial difficulty, or taking on more debt than you can repay.

Lenders do of course realize that some inquiries are a result of shopping around for the best rates on a loan, and so they will often overlook a block of inquiries within a very recent period. It may help if you explain the inquiries in the application process. If you would like to get a free copy of your credit report right now, click here. Understanding how your credit report affects your financial future is the key to smart credit management. Incorporating a review of your credit report into your financial planning is also one of the best ways to make sure you meet your goals–especially when those goals involve major purchases, and you’re shopping for a loan with the most favorable terms possible.

An advance is a type of obligation brought about by an individual or other substance. The moneylender—normally an enterprise, monetary organization, or government—propels an amount of cash to the borrower. Consequently, the borrower consents to a specific arrangement of terms including any money charges, premium, reimbursement date, and different conditions.

How Should Aromatherapy Treatments Be Used On Dogs

There are three techniques to administer essential oils on dogs. Either by massage (finger kneading) or by diffusion (inhalation) or by mouth (oral application). Whichever technique you use, the benefits of canine aromatherapy are countless. From a personal point of view, I very much prefer using the massage technique as it gives me an added opportunity to build a closer relationship with my dogs. Furthermore, all dogs crave and need human touch for their domestic survival. Having said, there is no denying that all three techniques of canine aromatherapy work equally well (extra caution is needed when using oral application).

Three Techniques to Administer Essential Oils on Dogs


This is the most commonly used technique. It uses essential oils to penetrate the skin through the pores and hair follicles, where they are absorbed by tiny capillaries and reach the bloodstream. Once in the bloodstream, they can affect adjacent organs and structures and circulate throughout the entire body until they are excreted. Usually organic vegetable oil (sunflower or wheat germ or peanut) is used in conjunction with the essential oils. The role of the vegetable oil is to dilute the essential oil so that it will be absorbed through the skin without causing burning sensation.

Now all dogs, irrespective of whichever breed they come from, love massages just as much as their human counterparts do and nothing gives them greater pleasure to get their entire body oiled so that their fur becomes soft and silky while the feeling instills a sense of bliss in them because pampered canines are fortunate to get the love from their masters because a black golden doodle full grown remains just as endearing to its owner as he was in puppy form.

Only a few drops of the diluted mixture are required to massage onto hairless areas like armpit or inner thigh. Preferably use it on areas where your dog can’t lick them—an excellent area is on the inside of the ear tip—otherwise your dog will be forced to wear Elizabethan collar.

Three to four minutes of gentle massage is need for the oil to be absorbed. The effect usually wears off after four to six hours but it is highly recommended to do the treatment twice daily for 5 days period for complete recovery. Aromatherapy has a speedy action; it takes only two to three days’ treatment to see impressive results especially for minor illnesses i.e. hyperactivity and anxiety disorders.


Never apply undiluted essential oil directly to the skin, as the strong concentration can cause your dog to develop rashes or soreness.


For essential oils to affect the dog’s body is through the sense of smell. This technique requires a diffuser to evaporate the oil which is than inhaled by the dog. Incoming aromatic molecules enter the body through the nose. The tiny olfactory hairs pick up the aromatic molecules and bind them to receptors. Messages are then sent along neurons to which affect the brain where moods and emotions are seated.

The diffuser should be left in operation with the dog in the same room for about 30 minutes so that sufficient oil is absorbed. You should be able to see result if you repeat this procedure twice daily for five days.

You can buy diffusers in almost any health food stores or pharmacies and they are very inexpensive unless you bought those from the higher end beauty parlor stores. Avoid those diffusers that are heavily coated with lacquer, get those that are very earthen looking.


Never leave the burning diffuser unattended. Avoid placing it near window as the draft from the window or air con may blow curtains towards the flame.

Oral Application:

Although essential oil can be given by mouth, it is least used by many. As a matter of fact, many holistic veterinarians prefer recommending using the above two methods (massage and inhalation) to having the owner administer oral application. As I stated before that essential oils are highly concentrated liquid, one tiny drop can be very lethal if consumed orally.


This method should ONLY be used under strict supervision of an expert in aromatherapy techniques preferably an aromatherapist who works with canines or domesticated animals in general.