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Wednesday, October 31, 2012

How To File For Bankruptcy: Avoid The Mistakes Toni Braxton Made ...

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The latest financial controversy for Toni Braxton are accusations of bankruptcy fraud, alleging that she gave her estranged husband more than $50,000 to avoid paying creditors. (She?s also trending this morning on Twitter for her?Behind the Music episode. Did you see it? We have to check that out.)

This could actually happen to anyone if they don?t know the rules or they try to do a runaround the laws. If you are filing, check the bankruptcy laws in your state. But first, assess whether or not it is time for you to declare bankruptcy. According to bankruptcy lawyer Bruce Weiner of Brooklyn-based Rosenberg, Musso & Weiner, LLP , bankruptcy is an option when ?the amount of credit card debt is approaching annual income; you have had a drop or loss of income and are thinking of tapping into IRA or 401(k) to pay credit cards; or you stop answering phone because of collection calls.?

New York-based attorney Daniel Gershburg, agrees, adding that ?one of the first signs that bankruptcy may be necessary is that you don?t have enough money to pay your credit card minimums. And once you begin to consistently transfer balances from one card to pay for the other, it?s time to file.?

Here?s how to file:

Go to a counselor: Attend a credit counseling course. ?The course takes approximately 90 minutes and you learn about credit and budgeting,? says Gershburg.
Do the paperwork: ?Fill out petition and schedules, preferably with an attorney who understands exemptions (what you can keep when filing), all the income tests and rules, and will ask the right questions about transfers or payments to relatives. [He/she] also will understand which debts will be discharged,? says Weiner.
Be organized: ?File petitions, schedules, counseling certificates, and 60 days of pay stubs with court,? Weiner tells Madame Noire.
Follow up: ?After trustee assigned to case, mail all papers to trustee together with last tax return,? Weiner explains.
Take a 341 Meeting a.k.a. the?Meeting of the Creditors: About three weeks after you file for bankruptcy, you should meet with a trustee to go over the bankruptcy estate and other financial data, including the amount you?ve kept in your checking account, inheritances and other info, Gershburg explained to us.
Class in session: You will be required to go to another credit counseling class to get your discharge papers, which will be sent about 60 days after, Gershberg said. Keep your bankruptcy lawyer on hand.

If Braxton did transfer some of her money into her husband?s bank account, it?s something that could have been remedied by a bankruptcy trustee, Weiner points out. Federal bankruptcy law gives you two years to undo this action, and most states will give you six years.

?What this means is that if you transfer an asset to anyone for less than fair consideration at a time when you are in debt, the trustee will sue the transferee to avoid the transfer and bring the asset into the bankruptcy so he or she can sell it,? he says. ?Another thing that gets people in trouble is repayment of loans to relatives within one year of filing. A trustee can recover that money as a preferential payment.?

If in doubt, check with an attorney. ?Your relatives are no different, under bankruptcy laws, than Visa or American Express,? says Gershburg.???Giving your relatives assets prior to bankruptcy means that the other creditors can?t get their own debts paid. It can either be classified as preferential payments and/or a fraudulent transfer. While, to you, paying your mother maybe more important than paying Discover, doing so can risk your entire bankruptcy case.?

He recommends that you always speak with an attorney before giving mom what you owe her.

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Source: http://madamenoire.com/228895/how-to-file-for-bankruptcy-avoid-the-mistakes-toni-braxton-may-have-made/

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Friday, October 26, 2012

Apple?s CEO Tim Cook: Microsoft?s Surface Is A ?Fairly Compromised And Confusing Product?

During Apple's earnings call today, the company's CEO Time Cook called Microsoft's Surface a "fairly compromised and confusing product," though he also admitted that he hasn't "played with one yet." According to Cook, "you could design a car that flies and floats, but I don't think it would do all of those things very well." According to Cook, people will conclude they will want an iPad, "and I think they will continue to do that."

Source: http://feedproxy.google.com/~r/Techcrunch/~3/NSS6i4S81-Y/

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When you are not able to compensate for bad credit ~ Business ...

If ever in the pharmaceutical industry rescue loans for people with Personal Loans for BadCredit. Bad credit usually is not very keen to part with your credit history and stays in 7-10 years depending on the severity of the credit issues. People with bad credit are rarely satisfied with the loan lender. For them there is a silver lining in the form of credit repair are not quite new checks personal loans.

Interestingly, there are lenders who are not willing to take the risk with bad credit borrowers. Borrowers rejected for credit no credit check personal loans, for the first time, give the poor borrowers a chance to share the stage with those who have good credit. If there is no credit check personal borrowers have the same set of options. No credit check personal loans are a great way to pass the time when less, especially without the need to see the credit report.

No Credit CheckPayday Loans, although it can be achieved, but it will require patience and perseverance by the borrower. Finding no credit check personal loans will require extensive research. Checking the Internet you can find many options for personal loans with no credit. But borrowers should be careful to the Internet there are many possibilities to get cheated in obtaining success. Take your time and carefully think about no credit check Personal Loans Online to sign up. First look around and use the free offer. Free quotes will enable you to assess the value of no credit check personal loans. Excerpt personalized so they will exclusively deal with the cost for your particular situation. Then compare loans. Comparison of no credit check personal loan quote to open your eyes to the loan that maximizes benefits for you. While you apply for personal loans with no credit check, make sure that you understand these terms. And the fine print! Did you read this? Make sure that in your enthusiasm, you hold no surprises for you.

To find no credit check personal loan rates studied. You can come across the term APR is the annual percentage rate and provide real cost of consumer credit. Note the amount of interest and other fees, such as discount points, compared to the amount of the loan. If there is no credit check personal loans look for loans with low APR personal loans no credit check "not really be classified as" low interest. "But the loan lenders will charge a reasonable fee for personal loans with no credit check. Try to differentiate between reasonable and outrageous fee and skip those lenders who charge high fees and an extraordinary gain.

No credit check personal loans should be limited to a small number of small in the first place. Taking a personal loan, you can easily pay. If you do not make mistakes, you build your reputation with the lender. Thus, the loan lender will consider you as a reliable borrower, and then you may qualify for a larger amount with the best interest rate. No credit check personal loans can be a new start for your credit situation.

If you want to borrow a large amount with no credit personal loans Pledge will ensure its approval. If you sign up for a personal loan no credit check, purpose will not be a barrier. Debt consolidation, boat, wedding, home improvement, either ...-take no credit check personal loans for any reason. But the life of the loan coordination purposes. The period of the loan for 3-5 years for a wedding or a personal loan means that you-insulated bulkhead with calculations.

There is no better way to compliment the power of loan use credit wisely. Consumer loans without credit check as the loan is another way to meet your financial worries. Entrusted to make sure that while you do not make mistakes. Thinking of liberty denied for bad credit, look for personal loans? At the end of the day no credit check personal loans are a great way of money lending.

He can tell you how to look better, live better and breathe better, giving you tips to improve your financial situation. He writes on loans. Your ideas can rejuvenate your money.

Source: http://commonwealthwatch.blogspot.com/2012/10/when-you-are-not-able-to-compensate-for.html

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Jailed punk band got what they deserved: Putin

NOVO OGARYOVO, Russia (Reuters) - President Vladimir Putin flatly rejected on Thursday Western criticism of the imprisonment of the Pussy Riot punk protest band, saying its three female members deserved their fate because they threatened the moral foundations of Russia.

During a two-hour dinner conversation with a group of foreign Russia experts, Putin spent most of his time carefully explaining how his country was trying to improve the business climate and diversify the economy away from its heavy dependence on oil and gas by promoting high-tech industries.

The Kremlin chief said he had "mixed feelings" about a $55 billion state-sponsored takeover of the country's number three private oil producer TNK-BP last week because it increased state-controlled Rosneft's domination of the energy sector.

But Putin said he acted to help BP and put an end to "fistfights" between the British oil major and its four Soviet-born oligarch partners. "We tried not to get involved, but when BP managers came to me and the government and said we want to cooperate with Rosneft, we could not say no," said Putin. Rosneft is run by a longtime close Putin ally, Igor Sechin, and the deal will give BP a stake of nearly 20 percent.

Putin said he was implementing new laws and reforming the courts to reach a target of moving Russia up from its 112th place in the annual World Bank rankings for ease of doing business - below Pakistan - to a top 20 place by 2018.

PUSSY RIOT

But the president, now in his 13th year running Russia, became animated only when asked about Pussy Riot during the seven-course meal with the Valdai Club of foreign journalists and academics at his Stalin-era residence in a wooded compound outside Moscow.

The Valdai members were kept waiting in a separate room for an hour and a half for the meeting, while Putin met a group of factory workers and teachers from the Volga region to discuss religious cults.

Two young women from Pussy Riot received two-year prison sentences for "hooliganism motivated by religious hatred" after performing a crude anti-Putin protest song in Moscow's main cathedral. A third band member was released on a suspended sentence.

At Thursday's dinner Putin raised his voice, looked straight at the questioner and asked why Westerners who criticized Russia for sending two of the young women to labor camps far from Moscow had not come out in support of a jailed American who made an anti-Muslim hate film.

"Do you want to support people with such views? If you do, then why do you not support the guy who is sitting in prison for the film about the Muslims?" the president shot back.

This was an apparent reference to "The Innocence of Muslims", a crude hate video that triggered violent protests across the Islamic world when it was aired on the Internet.

An actress in the film has identified an Egyptian-born Californian, Mark Basseley Youssef, as its author. Youssef is currently detained on suspicion of violating his probation terms for a bank fraud conviction.

"We have red lines beyond which starts the destruction of the moral foundations of our society," Putin went on. "If people cross this line they should be made responsible in line with the law." He described Pussy Riot's protest as "an act of group sex aimed at hurting religious feelings".

CLAMPDOWN ON DISSENT

Putin's comments came amid a wider clampdown on dissent in Russia, which has included arrests of opposition leaders on criminal charges and tighter controls on media.

This has led to fears that the political system, which is highly centralized under the Kremlin, is becoming increasingly ossified and intolerant.

Putin deflected a question about the possible stagnation of the system by saying Russia was re-introducing direct elections for state governors, making it easier for political parties to register and allowing citizens to petition the state Duma (parliament) directly with proposals.

Many of the same faces who worked with Putin when he was deputy mayor of St Petersburg in the early 1990s are still in senior positions in Moscow in the government and in state companies.

But Putin said around two-thirds of the members of the government had been changed when he returned to the Kremlin earlier this year, swapping places with his prot?g? Dmitry Medvedev, who is now prime minister.

"I prefer to choose qualified, experienced people who have proved they can do well," the president explained. He rejected suggestions that there were any disputes inside the government in the wake of the departure just over a year ago of long-time Finance Minister Alexei Kudrin.

TRADE GOALS

Putin insisted that Russia would continue to give a high priority to growing its trade with its top business partner China, aiming to boost bilateral business to $100 billion a year from current levels of $83.5 billion.

Beijing and Moscow were also keen to do as much trade as possible in their national currencies, he said, noting that the rouble was fully convertible and that it was a "matter of time" until the yuan was, too.

By contrast, he berated the European Union for its "ridiculous" slowness in agreeing a visa-free regime for Russia and attacked Brussels for not taking him up on an offer of cooperation on a new satellite navigation system between the European Galileo system and Russia's GLONASS project.

"The EU has a visa-free regime with certain Latin American countries, and I don't think their crime levels are any less than ours," he said. "I don't understand this approach."

Putin also had a ready answer for a questioner who enquired how he would stop an exodus of talented, qualified young people to the West. It was entirely normal, he said, for young people to study and work in other countries where there was more money or a good education on offer.

And what would the president want historians to highlight as the greatest achievement of his third term in the Kremlin?

"You know, I am never guided by a possible assessment of my work," Putin said, before highlighting how the economy had doubled in size under his stewardship, average incomes had soared, gold reserves were the world's fourth biggest, the birth rate had increased - all what he termed "modest, positive changes ... but not enough".

"We need to create a democratic, effective system of governance so that people feel they are participating," he said. "We need to create an effective economy which is looking forward and to guarantee the country's security. I am sure we are capable of solving all these problems."

(Additional reporting by Gleb Bryanski; Editing by Will Waterman)

Source: http://news.yahoo.com/pussy-riot-got-deserved-putin-201524715--finance.html

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Wednesday, October 17, 2012

Shape of urine can indicate prostate issues: Characteristic shape of a man's urine can help diagnose urinary problems

ScienceDaily (Oct. 16, 2012) ? Scientists at Queen Mary, University of London have discovered that the characteristic shape of a man's urine stream could be used to help diagnose urinary problems.

The research, published Oct. 16 in PLOS ONE, is the first study to analyse the specific pattern a man's urine makes and whether it could be used to detect prostate problems.

Co-author Dr Martin Knight from Queen Mary's School of Engineering and Materials Science explained: "The characteristic shape is due to the surface tension in the urine and the elliptical shape of the urethra.

"The computer model matched perfectly to experiments in the laboratory and also with video data of human volunteers. There was an excellent correlation between the shape of the urine stream and the urine flow rate."

The medical engineers at Queen Mary used 60 healthy volunteers and 60 patients to test whether self-measurement of the shape of the urine stream could be used to predict maximum urine flow rate.

They found that a simple measurement of the characteristic shape of the flow pattern could accurately predict the maximum urine flow rate; important in the diagnosis of urinary problems such as those associated with prostate enlargement.

According to Prostate Cancer UK, about four out of every ten men over the age of 50 (40 per cent) and three out of four men in their 70s (75 per cent) have urinary symptoms that may be caused by an enlarged prostate.

Dr Knight said: "This research began as a student project when a team of urologists asked Queen Mary to come up with a simple non-invasive way of measuring urine flow rate that could be easily used at home where patient's urine flow rates are likely to be more typical than when urinating in hospital.

"The current techniques, although very accurate, are difficult or expensive to use reliably outside of the clinic. This new approach may therefore represent a useful solution to this important medical engineering problem, allowing men to easily monitor their urine flow rate."

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The above story is reprinted from materials provided by Queen Mary, University of London, via EurekAlert!, a service of AAAS.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

Journal Reference:

Andrew P. S. Wheeler, Samir Morad, Noor Buchholz, Martin M. Knight. The Shape of the Urine Stream ? From Biophysics to Diagnostics. PLoS ONE, 2012; 7 (10): e47133 DOI: 10.1371/journal.pone.0047133

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_health/~3/TN4uTnbFjQQ/121016173132.htm

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Guinea frees arms bound for Mali

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Source: http://news.yahoo.com/guinea-frees-arms-bound-mali-151401373.htmlbobby rush supreme court justices 19 kids and counting danny o brien alicia silverstone park slope food coop anchorman sequel

This Natural Phenomenon Time Lapse Is Completely Unreal [Video]

Click here to read This Natural Phenomenon Time Lapse Is Completely Unreal

Time lapse videos always make for a beautiful show but this one by Reid Gower might be the most impressive time lapse in a very long while: it shows places from all over our world—Vegas, Instanbul, the sky, the moon, the stars, etc.—and laces it into one video where you can't help but go damn, we live in a wonderful world. More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/XhZq4nS1qDs/this-natural-phenomenon-time-lapse-is-completely-unreal

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Tuesday, October 16, 2012

Clark's Tips for Choosing an Alarm Company | EMC Security | Home ...

Here are a few burglar alarm buying tips posted on clarkhoward.com

Here are Clark?s tips to follow when your home needs security and you don?t want to be swindled:

First, take your time shopping and researching.
Security companies should earn your business and shouldn?t require you to sign a contract.
Don?t sign a contract ? ever.
Don?t let a security company representative into your home unless you have first determined that the company won?t require a signed contract.
If a security company wants to charge you more than $20 per month for monitoring, don?t do business with them and search for another company.
Is the monitoring station UL approved? Is the station properly staffed and trained?
Gather price quotes from various companies for security and include smoke and fire monitoring.?

Posted on clarkhoward.com: 4:49 p.m. Tuesday, Oct. 26, 2010

Do your due diligence, compare companies, and let EMC Security help protect your home today.

Tags: clark howard alarm buying tips, clark howard burglar alarm tips, no contract monitoring, security company tips

This entry was posted on Monday, October 15th, 2012 at 6:51 pm and is filed under News, Security Tips. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://emcsecurity.com/blog/2012/10/15/clarks-tips-for-choosing-an-alarm-company/

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Kid Cudi To Star In Rom-Com 'Two Night Stand'

WZRD rapper continues his try at acting with a Max-Nichols-directed indie flick, but don't worry, new music is still coming.
By Rob Markman

Kid Cudi
Photo: WireImage

Source: http://www.mtv.com/news/articles/1695641/kid-cudi-two-night-stand-movie.jhtml

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Man killed, partially eaten by brown bear

ANCHORAGE, Alaska ?? The body of a man who had been killed and partially eaten by a bear was discovered over the weekend on an island near the southeast Alaska city of Sitka, local police and state officials said on Monday

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The victim was tentatively identified as 54-year-old Tomas Puerta, who left Sitka for Chichagof Island, west of Juneau, on Thursday afternoon and was reported missing after he hadn't returned by Sunday.

The partially consumed body was found later on Sunday on the southern part of the heavily forested island after boaters reported an aggressive sow bear with cubs near an unattended skiff, Sitka police said in a statement.

Video: Photographer mauled to death by grizzly bear (on this page)

Authorities have sent the body to the state Medical Examiner's Office to get further information, including a confirmed cause of death and positive identification, said Lieutenant Barry Allen of the Sitka Police Department.

Grizzly mauls hiker to death at Denali National Park; bear shot

Authorities were trying to find the animal or animals responsible to "dispose of those bears involved," he said. In this case, the bear or bears that killed the man are considered to be more likely to repeat the action, he said

"Likely, any bear that gets killed would be examined to try and confirm that the right bear was caught," he said.

Murderer's corpse dragged from car, eaten by bear in Canada

Larsen said state officials do not usually kill bears that maul humans in acts of defense. But bears that are considered predatory or dangerous are killed, he said. Judgments are made on a case-by-case basis, he said.

Video: Tranquilized bear mom, cubs fall out of tree (on this page)

"If it's just not clear, it tends to be our practice to take the animal, if we have some reasonable assurance that we're dealing with the animal involved," he said.

Larsen said the Chichagof Island death was the first fatal bear attack in southeast Alaska since 2000.

More content from NBCNews.com:

Source: http://www.msnbc.msn.com/id/49427258/ns/us_news/

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Monday, October 15, 2012

Russian punk band members heading to remote prison

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