Articles in the Posts Category

Since I was a child, I’ve loved all animals but had a particular interest in dogs. I’ve owned several different breeds in my lifetime; a doberman named Spike, he was wonderful in most ways, but he would shed a lot and was sometimes rough with the kids. I’ve owned two Schnauzers; both great in every way, non shedding, great with the kids, great with other creatures, but unfortunately both had developed health problems which were costly and unavoidable. Then one day I adopted a Soft Coated Wheaten I named Cooper. I’ve had Cooper for now for 7 years and he’s only ever been to the vet for his annual shots; never for any type of illness ever. He is friendly, loveable, very good with other creatures; he helped foster kittens and he treated […]

In “the good ol’ days” (before 2005) a bankruptcy debtor with a mortgage problem could file a Chapter 7 bankruptcy and discharge all of his unsecured debts, then immediately turn around and file a Chapter 13 to deal with real estate debt. Bankruptcy attorneys referred to this as a “Chapter 20” (Chapter 7 plus Chapter 13). The 2005 amendments to the Bankruptcy Code sought to kill this practice; however recent cases have revived the Chapter 20 practice. See In re Davis (Branigan v. Davis), 716 F.3d 331 (4th Cir. 2013). Why would anyone want to file two bankruptcy cases? That is a good question – and there are some good answers for it! Filing 2 bankruptcy cases Imagine that you are self-employed and have a non-dischargeable $80,000 tax debt to the IRS, and […]

What a good question, but if you post this “When did this become this” picture before pondering the logical answer, you shouldn’t be posting pictures on the Internet. Why? Well here’s the answer: the “become this?” part of the picture, became this, because of quite a few developments in the modern world and none of them had to do with the government or corporations and their desires to enslave humanity. No, it, had “become this” when; crime rates started dramatically increasing each year criminal’s weapons became more deadly gangs started using high powered automatic weapons teenagers became more bold, brazen and destructive during lawful protests which became, unlawful bank robberies and hostage taking became a common occurrence when regular citizens decided bombing public places was a good choice (yes they needed to be found […]

When it comes to getting the most useful hours out of the use of your projector you may be under the impression that the only thing you can do is replace the lamp whenever it starts to become dim. Thankfully, this is not the case. There are some things that you can do to add some extra life to your projector bulb, and here are a few of those tips for your perusal. Before you continue reading, if you hadn’t read my previous article on the basics of projector lamps, do that first so you can gain a better understanding of lamp basics and optimize your viewing experience. Let’s continue. The following are 4 tips that if following religiously, will extend the life of your lamp and same you money on purchasing replacements. #1: Always […]

This is an easy conspiracy theory to debunk and the reason it is is because it cannot happen. If it did happen, there would be nothing left for anyone, and in the end, those, who so-called perpetrated the “incident” would have nothing left either – let me elaborate. The conspiracy theory that revolves around the belief that all government powers of the world (or a certain few) and/or corporations are trying to enslave all of humanity is one of the most illogical conspiracy theories I know. If you think it’s beneficial to any one government or corporation to enslave humanity, you haven’t thought it out enough, but if you read on, you will hopefully gain some insight. At first thought, and without any thought thereafter, it seems like a plausible idea, especially when […]

There are many bankruptcy strategies to assist honest debtors obtain a fresh start. One of the best tactics for Chapter 7 debtors is found in Section 722 of the Bankruptcy Code: Redemption. Redemption is only available to Chapter 7 filers. (if you don’t know what chapter 7 entails, view this link) Chapter 7 allows the debtor to redeem secured collateral for an amount equal to the secured portion of the loan. In other words, if you have a car worth $7,500, and owe the lender $17,000, the secured portion of the loan is $7,500 and the unsecured portion is $9,500. You can redeem the car for $7,500 and the remaining $9,500 is subject to discharge at the end of your case. Property is determined by its Replacement Value The secured portion of property […]

Whether your allergy1 symptoms stem from seasonal irritants like pollen, or from environmental issues like dander or dust, it is important to have the right tools at home in order to ease your symptoms. Tackling this kind of problem means having important things like a good vacuum cleaner, as well as a way to remove dust and build-up from hard to reach places like corners, crevices, and behind furniture or appliances. Determine What Features Are Necessary The first step in choosing the best household cleaning tool for reducing allergy symptoms is to evaluate what your needs are. This will make it easier to narrow the choices down to just a few models. Some will find that features such as a reusable or easy to change filter are important while others may prefer compact […]

If you have been deciding between purchasing a big screen TV or a projector, but can’t decide which is better for your home and lifestyle, read on. There are many good points that are associated with both of them, but some options fit better with specific homes, viewing styles, and intent, more than others. Quite recently, I wrote about the ideal ways of setting up your projector for the next big sporting event, but I felt it was also necessary to give you some information as to which medium you should choose for such events. You can read that article here (source). Now that you’re ready, follow along while we compare the benefits and the problems that each offer you and hopefully this article can help you narrow down your options. Size Considerations The […]

For those looking for a PDF format of the book, “The King In Yellow” will find it here. I have personally looked around the net and could not find it, so I used a text version of the book I found here, and turned it into a PDF so you can download it. Don’t waste your time trying to download it from other sites that claim to offer the PDF format of the book because it’s a farce, or they make you Like something, or register – not here – The King In Yellow can be download in PDF format below. Download The King In Yellow PDF here. Leave your comments or reviews of the book below.

If you’re wondering whether you can continue to make contributions while you’re going through the bankruptcy process read on to find out if you can. Bankruptcy courts, including appellate courts, are split whether a debtor may continue payroll deductions to fund a voluntary retirement account, such as a 401(k), during a Chapter 13 case. The issue boils down to two competing interests: savings for the debtor’s retirement versus additional payments to unsecured creditors during the bankruptcy case. In attorney jargon, are wages earmarked for retirement contributions considered “disposable income?” Three competing interpretations have developed. First, some courts find that voluntary retirement contributions are not disposable income, so debtors can continue to make them during a Chapter 13 plan period. This is the majority view. Courts adopting this view permit debtors to make voluntary contributions […]