Bankruptcy and Divorce

Some of my best friends have been bankrupt and some divorced. At least one has gone thru both. One went into an attorney’s office and said “I want a divorce and I want to declare bankruptcy.” The lawyer asked, “what does your wife think of this idea?” “I haven’t asked her.” That person has had three divorces which never cost him a dime and continues to have a great relationship with all of them. Following his first divorce, the former wife gave him an allowance of $1,500.00 per month. The second gave him a house to live in on her property in the country and we will wait to see about the 3^rd wife.

Bankruptcy and divorce has become much more acceptable and almost expected in today’s culture. My wife and I have been married to each other for 50 years. It has been my pleasure.When post moderns hear this they look like a deer caught in the head lights. They look puzzled like ‘I have never heard of such a thing,’ or ‘they must surely be in the book of records.’ No, not a record, it just ran in my family. When we made a commitment, we meant it. If at times it was not all fun and games, we worked on it and resolved the problem. Someone once said, “we don’t believe in divorce, but murder is an option.”

If you believe that you and your partner are headed for divorce, and you both have a lot of debt between you, it might be a good idea to decide to file for bankruptcy before you begin to file for divorce. This will pave the way for the divorce to proceed much more easily because it will allow you to get rid of some of your debt and to clear the way for a clean break. If you can file for bankruptcy, then you can have a better idea of how to deal with the debts that do remain between the two of you. It will also mean that if your ex files for bankruptcy later on down the road, you can be protected because you are going to take care of your debts before the divorce.

The way it works is rather simple. When one or both of the spouses file for bankruptcy, all of the property that has been shared by both of them will become a part of the estate and will then be available to pay for the debts. This will also mean that you have been granted an automatic stay, which means that the creditors can’t hound you for money. Remember that this stay does not prevent you from getting spouse or child support from your ex. The next thing that will happen is that the bankruptcy court will decide what shared property is exempt from the bankruptcy, meaning that it cannot be sold in order to pay for your debts. Then, the divorce court can divide that property between you and your ex spouse.

If you are trying to negotiate property settlements, and also going through bankruptcy, you are going to be dealing with very complicated issues. Some of the debts that might be related to a property settlement might not be wiped out during the bankruptcy, so you will still need to pay them. However, these debts can be wiped out if you can show that you can’t pay the debt and still take care or yourself or your children, or that if you wipe out the debt it is going to be better for you than the harm that would be done to the people that you owe by not paying it. This means that if you think your spouse is going to consider filing for bankruptcy after the divorce is final, you need to make sure that your finances are squared away so that you aren’t going to be faced with any more debts.

Frankie says ‘kiss and make up’ and keep it together.

Important H1N1 Health Tips

The H1N1 virus is no joke. The following information was received from Linda C Flores, Research Study Coordinator at the University of Texas Southwestern Medical Center which is definitely worth sharing. The only portals of entry for H1N1 virus are the nostrils and mouth/throat. In a global epidemic of this nature, it's almost impossible to avoid coming into contact with H1N1 in spite of all precautions. Contact with H1N1 is not so much of a problem as proliferation. While you are still healthy and not showing any symptoms of H1N1 infection, in order to prevent proliferation, aggravation of symptoms and development of secondary infections, some very simple steps, not fully highlighted in most official communications, can be practiced (instead of focusing on how to stock N95 or Tamiflu): 1. Frequent hand-washing with warm to hot water and a good soap for at least 2 minutes. 2. "Hands-off-the-face" approach. Resist all temptations to touch any part of face (unless you want to eat, bathe or slap). 3. Gargle twice a day with warm salt water (use Listerine if you don't trust salt). H1N1 takes 2-3 days after initial infection in the throat/nasal cavity to proliferate and show characteristic symptoms. Simple gargling prevents proliferation. In a way, gargling with salt water has the same effect on a healthy individual that Tamiflu has on an infected one. Don't underestimate this simple, inexpensive and powerful preventative method. 4. Clean your nostrils at least once every day with warm salt water. Not everybody may be good at Jala Neti or Sutra Neti (very good Yoga asanas to clean nasal cavities), but blowing the nose hard once a day and swabbing both nostrils with cotton buds dipped in warm salt water is very effective in bringing down viral population. 5. Boost your natural immunity with foods that are rich in Vitamin C (Amla and other citrus fruits). If you have to supplement with Vitamin C tablets, make sure that it also has Zinc to boost absorption. 6. Drink as much of warm liquids (tea, coffee, etc.) as you can. Drinking warm liquids has the same effect as gargling, but in the reverse direction. They wash off proliferating viruses from the throat into the stomach where they cannot survive, proliferate or do any harm. I suggest you pass this on to your entire e-list. You never know who might pay attention to it - and STAY ALIVE because of it. Linda C Flores Research Study Coordinator UT Southwestern Medical Center Simmons Comprehensive Cancer Center 5323 Harry Hines Blvd Dallas, TX 75390- 9179 Tel: (214) 648-7042 Fax: (214) 648-1906 linda.flores@utsouthwestern.edu www.utsouthwestern.org

Bankruptcy: A Matter of Pride

Bankruptcy is a financial technique in which you declare that you cannot repay your creditors now or see a way to repay them in the future. Depending on your income and the amount of money you owe, an individual may declare chapter 7 or chapter 13 bankruptcies. However, in either case, bankruptcy is a fairly public affair. Your name and address will be published in at least one of the local newspapers for all of your friends to read, and your neighbors will see movers coming to repossess some of your items. For many people, the worst part of bankruptcy isn’t losing the money; it’s losing pride and dignity.

The first way to deal with this is to realize that most of your friends and family have gone through money problems at one time or another in their lives. Although they may not have resorted to bankruptcy, there is no question that only the very lucky do not feel smothered by debts at one point or another. Simply put, people will understand. Even though you may feel like everyone is snickering at you behind your back, the truth is that most people are actually empathizing with you. “There but for the grace of God go I.”

Also realize that not everybody will know you’ve declared bankruptcy. Most people do not take the time to read the newspaper that carefully, and even though word does travel fast, it is not a topic that most people will bring up because it simply is not that interesting. You might feel like you’re the headlining news, but in actuality, most people probably didn’t even know about it.

It is important to continue with the process, even if people do find out. If you are embarrassed, simply understand that so our all of people in this country who are going through the same thing. You are not alone. In fact, you may be able to get counseling to help you go through the bankruptcy process. You may be surprised at how many people have declared bankruptcy many times and gone on to be very successful. The Donald for one.

If bankruptcy is the best thing for your family and your financial situation, it is most important that you continue with the declaration. Take care of yourself first, then worry about what other people have to think. The most important thing is NOT what your neighbors have to say, but instead what you are doing to get yourself back on track financially so that your future will be brighter, and it will.

Much of your future depends on your attitude now. Don’t give up and don’t waste a lot of time blaming anyone else for your plight. Stuff happens and there is enough blame to go around.

You think bankruptcy is bad, well there are worse things and Frankie will talk briefly about that next time.

Keep the faith, but not to yourself.

Big League Ads and Adzzoo Work For You

Hello to everyone wanting to fire your boss; everyone wanting a new career; everyone wanting something to replace the job that was just lost; everyone who needs to supplement your income; everyone wanting to make some Christmas money for gifts; everyone who is looking for success. Today may be your lucky day!

Frankie mentioned in his last post that a home based business is the business which is growing even in this "OBushma" economy. While other businesses are failing because of not enough customers or insurance rates being too high or not being able to afford the new minimum wage, or whatever, home and internet businesses are growing and still making money - a little or a lot - depending on the amount of effort you invest. I didn't say the amount of money you invest, it is really based on the amount of time you invest.

There is of course some investment in every business, but the internet business is the greatest opportunity for making money - net money - that has ever come along. Much of the biz is done 'on line' and that is very inexpensive or free and you do not need to lay out a lot of money for an office, or a franchise which can run into the millions or best of all, employees. At worst, you can have 'team members' but not employees. Our fully functional and massively helpful team site is located here.

My business is the advertising business. Ads are placed for local businesses such as restaurants, landscapers, attorneys, chiropractors, dry cleaners, grocery stores, pet stores, painters, art dealers, sporting goods stores, day nurseries, health food stores, gyms, apartments, real estate agents and brokers, and on and on. All of the places you frequent on a regular basis.

Big League Ads is a dba company and uses the Adzzoo platform on which to build SEO friendly ads, the business and your brand. Adzzoo employs Google trained personnel to construct the ad and place it on the internet. They are familiar with the proper SEO to attract Google spiders to locate your client's ad in a hurry and often. Adzzoo gives a written guarantee to have your customer on the first page of Google within 7 days purchase. A slam dunk!

Frankie is not recommending that you get involved in Adzzoo if you are not serious about needing or wanting some extra money, but he has found the business rewarding if you are willing to invest the time. The charge for a full scale Campaign Director position which carries with bonus programs is less than $300.00 one time charge. You can come in for less than $25.00 per month and work your way up to the CD bonus position after you place a specified dollar amount of ads which many people accomplish the first month, and most upgrade on the first sale. You receive a 40% commission for every ad you place. Did I mention there are no employees? But, there is a very helpful team.

Rather than sounding like too much hype, I will ask you to look at my website which will go into all of the details of the opportunity and the company. If after spending some time on the site, you feel like you can do this business, then simply go to the menu bar and click on 'Join Now.' If, however you have some questions, call me or e-mail me and I will do all possible to answer them. If I cannot, there are several experts on our team who will be able to do so.

Below are are few testimonials from actual clients who have placed an ad with Adzzoo and are willing to show their satisfaction:

I walked into a window and interior design company the other day and when I brought up the word google and would you like to be on the first page I got a earful. These poor people have been advertising with At&t and Yellowbook for years now and they are getting terrible results. Promises of first page not kept, The only place they show is on the yellowbook directory competing with other businesses. I did about 10 searches for her business while I was there and nothing came up. I then did 4 searches for Adzzoo clients we have and they all showed up first page. She is tapped out of money but in January when it is time to renew we will have another happy client. Go out and talk with people who advertise on Yellowbook, Superpages, At&t because we can conver a bunch of them to our platform.
Date Written: 08 October 2009
Testimonial By: Tim Turbeville

I submitted my clients info via fax Friday October 2nd. Last night (Tuesday) I received the confirmation from AdzZoo that the site was up and running. This morning I searched for running shoes madison wi and Endurance House (my client) came up on page 1 at the top of the sponsored links. Now that's going to be a happy customer. He has been trying to get to page 1 for 3 years and AdzZoo did it in 2 days, not counting the weekend. That's is the best result a client and salesperson could ask for. I used to sell room additions and sunrooms from $30-$100K each, but these AdzZoo sales are much more rewarding. Date Written: 07 October 2009 Testimonial By: John B

I wanted to thank you again for the terrific job that AdzZoo has done for my insurance agency. Your personal attention to our account is greatly appreciated. When you first told me that you would get me first page placement on Google in seventy-two hours, I was skeptical. I was even more skeptical when you told me the price. Fortunately, I chose to give AdzZoo a try. I am a results based businessman. Thus far, the AdzZoo results have been wonderful. In the first week, my agency: received first class service, achieved first page placement on Google and sold four policies due to our AdzZoo campaign. Thanks for contacting me regarding AdzZoo. Keep up the great work! Take care, Michael Date Written: 06 October 2009 Testimonial By: Michael CA

Dear AdzZoo, As a partner in a well established full service law firm we are always looking for ways to attract new business in this highly competitive market. When I was approached with the AdzZoo online campaign idea I was immediately interested and after performing some due diligence we signed on for an "area campaign". Within days of signing up, our website was on the first page of Google with the primary keywords selected for us by AdzZoo experts. Amazingly we have signed up two new cases as a direct result of the internet presence created for us by AdzZoo within days of appearing. The service and efficiency has been outstanding and I look forward to continuing our business relationship. Thank you, AdzZoo. Very Truly Yours, C.P.I. Esq. Date Written: 06 October 2009 Testimonial By: C.P.I Esq.

One last thing, most businesses are planning their ad budgets for next year NOW. Now is a good time to let them know they can save some money and be on the first page of Google in the process. You will be a favored client of theirs.

Start Your Own Home business

Start Your Own Home business

A home business is considered by many to be a ‘dream’ business. Not always!

In this post, we will talk about the advantages of starting a home business:

Stay at home and earn too!

With the rising cost of fuel, people are starting to favor the joy of working in the comfort of their own home. No need to worry about heavy traffic, getting stuck at traffic lights, rush hour, road blocks or lame excuses for being late for work. In other words, your home will be your base of operations and also your fortress of solitude as well.

You don’t need paper, pens, make up or even clothes!

Paper is so 80’s. When you can do everything in a paperless environment, you don’t need file cabinets. It’s all on the computer or on the net. You can operate your business in your p j’s. You do not need to spend a fortune on make up or your aching feet because of wearing high heels. Home businesses may be ‘virtual’ but the money and lifestyle is REAL. You are working to achieve the lifestyle you want.

You don’t have to work alone and you do not need employees

You don’t have to deal with pesky staff. Just operate everything you need from home. You can get authors from India, Philippines, Malaysia or any part of the world. It’s the virtual world and you can connect with the rest of the world from your computer. And best of all, if they do not perform, you can ‘fire’ them and get someone else who suits you better. The ACLU will never know. It is truly your business.

Sell on line and get your money on line safely

Meeting people in the real world or virtually is good, but if you are the shy type who had rather not try to close a sale in person or collect money from a non-paying customer, then by all means, stay comfortable behind your computer screen and run an Internet business! Sales letters do a fine job of getting sales and payment processors automate everything by collecting money for you. It’s a beautiful life and you can do it.

Work at your own pace

Now you can finally talk to your kids and even your spouse in the morning or have tea with them. The thing I like best is being able to turn in a different direction than the people going to work. While they join the herd, we go to play golf. You dictate your time and you dictate your own hours. No longer is one confined to a 9-5 routine and being forced to eat lunch when your ‘boss’ dictates it. You are the boss. Fire the other one.

There are all types of work at home scams out there and you need to do your due diligence

before you send them your money to “get involved.” You are trying to make money and not give it away before you have made any. MLM’s are good and much easier now than ever before. There are seldom any meetings to attend and you do not need to stock inventory you have paid for and are trying to sell.

Frankie wants you to be excited about the possibility of you ‘downsizing your boss before he ‘downsizes’ you due to the economy. However, please do not run out and invest in the business which is selling shares in a unicorn ranch. We will recommend a couple of possibilities for you next time.

Moving On - Banter For Boomers

The audience I seem to relate best to are the Baby Boomers. Therefore, I am taking my political comments over to my blog entitled Banter with Boomers. That url is www.banterwithboomers.blogspot.com if you would like to keep up to date on how I look at the world situation.

Your comments will be appreciated and answered.




"Ralph, You said 'plenty of meals." No, you hard of hearing old coot, I said "plenty of SEALS."

"Myrtle, is this the only way we could get there to the boomers?" "Yes so just shut up and enjoy it. We'll be there soon if this thing don't melt like Al said it would."

How Can I Reduce My Size and Lose Weight?

When I was born I weighed 5 lbs and a few ounces. My dad described me as looking like a skinned squirrel. I have changed a good bit. When I was in High School I weighed in at 135 lbs. The same was true several years later when I got married. Not so today!

• Today the scales say that my weight is 27 lbs lighter than I was 60 days ago. That sounds like a fib, but it is true.

• Here I am with my two beautiful granddaughters who think that I am pretty special even if I am overweight. When this taken, I weighed in at 285.

• I felt like an idiot for letting myself get so out of shape. I was in shape, but it was ball shaped. I needed to get some fat off of me and live to see these two through school.

• This week, I have attended two funerals of good friends of mine. I do not want that to happen to me if I can avoid it. Don't get me wrong, I am ready to go whenever my God beckons me, but as long as I am still on this revolving orb, I want to feel good.
  

• Nearly 1/2 lb. per day has left me. I feel really good except when my pants fall off. That is a great problem to have. When I wear shorts, I do not wear a belt. Not only that, but I am able to wear clothes which I had outgrown and have just been hanging around waiting for me to come back. "I'm Back"
  

Frankie says change your life and save your life. Start to lose some lbs and take a moderate walk each day for thirty minutes and you WILL see a difference. I am too blessed to be stressed.