http://www.betterlifeadvice.com/ Articles at BetterLifeAdvice en-us http://www.betterlifeadvice.com/finance/weather-in-charleston-year-round.html http://www.betterlifeadvice.com/finance/weather-in-charleston-year-round.html Tue, 02 Mar 2010 23:49:10 -0800 http://www.betterlifeadvice.com/finance/web-hosting-rebates-or-scams.html http://www.betterlifeadvice.com/finance/web-hosting-rebates-or-scams.html Tue, 02 Mar 2010 23:41:10 -0800 http://www.betterlifeadvice.com/finance/wells-fargo-401k-plans-robbed-thousands-missing.html http://www.betterlifeadvice.com/finance/wells-fargo-401k-plans-robbed-thousands-missing.html Tue, 02 Mar 2010 23:33:10 -0800 http://www.betterlifeadvice.com/finance/what-about-the-risk-in-buying-iraqi-dinars.html http://www.betterlifeadvice.com/finance/what-about-the-risk-in-buying-iraqi-dinars.html Tue, 02 Mar 2010 23:25:10 -0800 http://www.betterlifeadvice.com/finance/what-affects-foreign-exchange-rate.html http://www.betterlifeadvice.com/finance/what-affects-foreign-exchange-rate.html Tue, 02 Mar 2010 23:17:10 -0800 http://www.betterlifeadvice.com/finance/what-are-structured-settlements.html http://www.betterlifeadvice.com/finance/what-are-structured-settlements.html Tue, 02 Mar 2010 23:09:10 -0800 http://www.betterlifeadvice.com/finance/what-are-the-consequences-of-filing-for-bankruptcy.html http://www.betterlifeadvice.com/finance/what-are-the-consequences-of-filing-for-bankruptcy.html Tue, 02 Mar 2010 23:01:10 -0800 1. Hard to Obtain Credit Bankruptcy restrictions apply from the moment the bankruptcy order is made and it is a criminal offence to break them. These restrictions will make it difficult, if not impossible, to obtain credit. If you wish to buy a house in the future, there will be a two-year waiting period after the Chapter 7 case is discharged before you will be deemed eligible for a home loan. When a Chapter 13 bankruptcy case is involved, the waiting period is twenty-four months after the debts are paid off in full. During that two-year period, you will need to have been employed steadily, have no negative entries in your credit file, and kept debt under control. 2. Negative Impacts If You Are In Business You will not be able to be a director of a company or hold certain offices. You will also have to inform any people you do business with the name in which you were made bankrupt; this may has negative impact on your company's reputation and may discourage your potential customers to do business with you. 3. Lose Your Assets You may lose your assets which include your home and anything of value. And some percentage of your income will be paid to creditors for 3 years. A poor credit rating due to bankruptcy will follow you for 7 to 10 years. The bad credit stated in your credit report will cause you hard to obtain a mortgage. 4. Family Relationship Impacts Financial strain alone is enough to break a relationship. The majority of couples failed in their marriage due to money. Bankruptcy may cause negative impacts to your family relationship if your spouse can't accept the fact of bankruptcy. 5. Health Impacts You may blame yourself on bankruptcy incident and regret on your action. This may affect both your mental and physical conditions. It may cause you to have financial phobia and fear to manage your finances in the futures. 6. Higher Loan's Interest Rate Bankruptcy filling has the most damage on your credit record if compare to other debt solutions. Your bad credit record will remain on your credit report for 7-10 years and if you are getting any loan after your bankruptcy discharged, your loan's interest rate will be higher than normal. In Summary Not all are apparent when considering bankruptcy and not all will apply to you. It is certainly worth familiarizing yourself so that you can make an informed decision when choosing whether or not to go for bankruptcy filling. And it is worth to get consultancies and advices from finance experts to see whether the bankruptcy is your only option; who know, you may find alternatives to this option and bankruptcy can be avoided. ]]> http://www.betterlifeadvice.com/finance/what-casino-games-should-i-play.html http://www.betterlifeadvice.com/finance/what-casino-games-should-i-play.html Tue, 02 Mar 2010 22:53:10 -0800 Popular Casino Games craps is much easier to win larger sums of money in the casino. Poker an Blackjack are two games that should be avoided by beginner gamblers, the games rely on more skill then luck, and by not knowing the game you will also be messing up the other players who know what they are doing, and they are counting on the fact that if you sit down at the table with them that you know what to do. If it is these games that interest you then before you go to the casino spend some time learning the game and playing as many hands either in an online casino practice room or you can download one of the many programs available on the internet. ]]> http://www.betterlifeadvice.com/finance/what-does-a-living-will-declare.html http://www.betterlifeadvice.com/finance/what-does-a-living-will-declare.html Tue, 02 Mar 2010 22:45:10 -0800 http://www.betterlifeadvice.com/finance/what-does-your-brokerage-do-for-you.html http://www.betterlifeadvice.com/finance/what-does-your-brokerage-do-for-you.html Tue, 02 Mar 2010 22:37:10 -0800