Business

Destruction of sin and bankruptcy

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Many Christians face the dilemma of whether or not bankruptcy is a sin. Ever since the bankruptcy filing began, this debate has been going on in the church. One thing is for sure, the topic is taboo and rarely talked about in social circles. In the past, most Americans only used bankruptcy as a last resort and as a way to start over. For the last hundred years, America’s morality has been spiraling down like water down a toilet. As the values ​​of our society continued to decline, people began to use the legal process as a way to get rid of all their bad debts and just do it over again with no regrets. Seven years later, many of these same people are repeating the process when it becomes available to them. Today, I think it’s not about whether it’s right or wrong, but how it will affect this person’s reputation in the future and his credit rating. It’s more about the appearance of doing the right thing, rather than returning the favor to people because his moral values ​​tell him it’s the right thing to do. Today, if a bankruptcy filing were not a public record, I think more people would have no problem filing.

Until recently, the whole business of bankruptcy was traditionally seen as immoral and carried with it the stigma of failure. In 2007, many Americans were forced to file for bankruptcy with no other option because of what happened to the economy. Now that the topic has become mainstream and many people are facing financial difficulties, opinions about the bankruptcy filing process have changed. Many moons ago, most Americans did everything in their power to avoid filing for bankruptcy because they didn’t want to use the giant scarlet B. The funny thing is how the stigma seeped into American culture. Before the 1970s, most people bought everything with cash, so filing for bankruptcy was uncommon for most Americans, more for the use of business owners. In extreme situations, people who had to file for bankruptcy were usually due to an illness that caused large medical bills. With the credit card revolution came a large number of Americans who ended up with debt problems that led to bankruptcy. Before the 1960s, the term credit was almost obsolete. When technology opened up a way for people to carry plastic cards and opened up the world of charging to everyone who couldn’t pay for something any other way.

The Bible has a lot to say about bankruptcy and debt. In Leviticus it speaks of a person’s responsibility to pay their creditors what they owe. That does not mean that he can file for bankruptcy if he has the ability to pay his creditors. Many companies get into bad contracts using bankruptcy as a means of severing ties with the supplier or a union so they can renegotiate the deal they originally agreed to. In Deuteronomy it speaks of the legal right to cancel the debt every seven years. It also says not to be hard on the poor and cancel their debts every seven years. What it is about is canceling the debt of those who do not have the capacity to repay it. In fact, this was the basis for Chapter 7 bankruptcy in the past. Congress used biblical values ​​when creating the bankruptcy code that included filing for bankruptcy every seven years. Now the bankruptcy code changes in 2005 that number has changed to eight years. The bottom line is that if a person took on the debt with the intention of repaying and fell on hard times, there is nothing wrong with filing for bankruptcy. When things get a little confusing, in today’s economy, many people go overboard, buy things they can’t afford, and when it comes time to pay for the items, the person cries and wants to file for bankruptcy. If this person is honest with himself and uses bankruptcy to get a second chance, as long as he learns from his past mistakes, there is nothing wrong with that.

Home Kitchen

Five Easy Remodel Ideas to Update Your Kitchen

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Do you live with a kitchen that feels outdated, small, or inefficient? Even a fairly small kitchen remodeling project can make a big difference in bringing the room into the 21st century. Here are five strategies to update your kitchen:

Change cabinets: Older cabinets often look dirty or dated, but that doesn’t mean you have to replace them completely. Consider restoring or updating them with a modern color. Not only will it give your kitchen a new look, different colors can affect the size of your kitchen. While you’re at it, update your drawer pulls, cabinet handles, and hinges. Hardware is one of the main features that dates a kitchen.

Install new floors: Nothing makes a kitchen look older than worn linoleum. Today’s homeowners can use updated hardwood floors or a laminate that resembles wood. If you want to be eco-friendly, bamboo is a durable and sustainable option. Cork is also popular.

Increase lighting: Dim lighting can add years to your kitchen and make it a less pleasant place to hang out. See if you can make the windows bigger or add skylights to create a bright new look. Consider installing new lights. While older kitchens tend to have a central ceiling fixture, today’s kitchens often have multiple light sources, including pendant lights above the eating area, task lighting under cabinets, and soft ambient lighting above the dining area. The cabinets.

Buy new appliances: If you haven’t looked at appliances in a while, you’ll find that the newer models will save you money on your energy costs. New ranges and ovens also cook faster and are easier to clean than older models. Refrigerators make better use of space: A replacement refrigerator could take up the same square footage, but fit more inside.

Add some color: You may be living with an outdated color scheme. Consider what a good coat of paint will do to liven up the room. If you want a brighter, more spacious feel, use a light color. Alternatively, darker colors will make the room feel cozier.

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across the way

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Preparations were underway…

The food was hot, delicious and plentiful. They had all eaten to their satisfaction. Their throats were filled with revelry, joy and family. Many could not participate in such fine clothing, delicacy or domicile, because they had none.

Many jumped up and ran to the door. Some took a siesta and rested from their great ordeal with the plate, the spoon and the fork. They, some, prepared for the day of work and service the next day, while many gathered their currencies, plastics and smartphones in preparation for the so-called black day. Some gave thanks while others did not. Because they lived across the road.

The day of celebration of the great birth was festive. Many were worried about those who hadn’t, while many simply leaned in and out, inadvertently overlooked, ignored and dismissed. Although, in large part, due to invisibility and selective and mindless ignorance. Unemployment also depended on pins and needles. The session of debate, decision and running for the door was his only hope. The hopes were shattered, spat and destroyed with the transverse footsteps of the end of the session that escapes oblivion. Their distant domiciles were kept hidden from the masses and the media: the eye of truth, justice and freedom for all, especially those on this side, across the road.

Bright lights and babies squinted and widened the eyes of the pious and the amazed. They ran across the road to see what was shining next, what was the cheapest or the most expensive, the best, the biggest and the brightest or the most. Post-acquisition, trinkets and loot were returned to luxury residences and preference, via doors, windows, and chimneys, all of which are neither required nor offered along the way. In a word, they ran away and denounced things as ridiculous, the words written in a pretty good Book:

“This,” says the Lord, “do not learn the way of the nations, because the nations cower before them, because the customs of the people are vain; because one fells a tree in the forest, the work of laborer’s hands, with the They adorn it with silver and gold, they secure it with nails and hammers, so that it does not move.
~ Jeremiah, Chap. 10~

Can’t you see, oh, across the way?

The ball fell and fell over the post. They ran down the road to see… The new year seized a jubilant and cheerful demeanor. Will it be short-lived? I think so… The old and the weak stayed away from the celebration for fear of being trampled by the crazed crowd, as they tried to get the best spot – on the other side of the road.

The people, who did not know what they were doing, boasted about the image of Him with false looks. His head and his hair were white as wool, as white as snow, and his eyes were like a flame of fire. The Trojan lands were under siege.
“I know your works, your tribulations and your poverty, but you are rich and I know the blasphemy of those who say they are Jews and are not, but the synagogue of Satan”, although Enoch walked with God on the other side of the road. .

Cain dwelt in the land of Nod, east of Eden; the earth giants were sons of angels and the human female. The daughters of men were indeed beautiful.

Crowds of the unemployed were holding on to hope in a tense attempt to believe that the chosen ones would sooner or later do the right thing, for those who stood in the way. They ran across the road, in pursuit, in a foolish attempt to evade the Most High, to escape the avenging archangel in the night, or Satan himself, to catch the Black Man naked before he could reach the safety of freedom. across the road.

Those who were on the other side of the aisle stretched out with tense limbs, stretched out with contending goalkeeper, striving to show them the light of the righteous.

“Do not leave the session now, do not leave when we are needed most, your homes are intact and well equipped. Is it not our duty, our responsibility to make sure that everyone is equally safe? Is it not our duty to provide so that they can to get there, to the other side of the road? We beseech you, to the last righteous and sober soul, turn inside and live up to the honor that has been bestowed on you; for the people, by the people, and for the people Even if a creed does not support the other, colloquial destiny is one.

Cherries and fantasy envelop the living belief of life within the liquid crystal display. Several dinnertime survivors sit anxiously awaiting their turn to contribute their experience of the day. The loving pride of parents casts a mighty beacon throughout the city of the land of liberty. The totality of the union, (for the moment), superlatively overwhelms the surrounding host of despair. Lack of unity is the greatest sacrifice humanity has ever made: surrendering to Satan. His power lies in the destruction of humanity. Many are deluded into following and believing in individuality, contempt, separation and isolation from the masses. As long as we are not able to understand and communicate with each other, how can there be total cohesion, peace and equality between us? Believing that one is more powerful than the other, better than your God, the curse launched on those who built the ‘Tower of Babel’, falls and spreads throughout all the lands of the world, on the other side of the road; allowing the victorious smile of Satan.

The gladiators of the iron grid, the hoop and the diamonds of the earth, the ring of passion and the rope, or the Olympic tests, receive greatness from admiring eyes. Wealth and wealth has fallen to them. Who is now the master and who will be the servant? Cold cereals, razors, sodas and beer are presented with scantily clad, fair-skinned women proudly flaunting their breasts and buttocks, supported by rich green bucks of slimy booze-soaked Neophytes and Neanderthals slapping each other on the back. back. Waitresses are pinched, kissed and slapped in the name of playfulness, subtlety and lust. Big screen television with realistic dramatizations and alienations saturates the rampaging horde in abundance. The studious husband of a flirtatious wife caught the scope from across the road, even though he had completed his doomed date for breaking the pact, coming back from the other side of the road.

Complaining and moaning, because the snow did not stop falling when they wanted. Did the snow fall on purpose to ruin their day, to ruin their plans? What are the benefits of snow while shoveling and throwing things over there on the other side of the road? Have you been sick? I had a cold? What do you think happens to the spit that’s all over the sidewalks when old, dirty snow is melted, shoveled, scooped up, and piled up there, across the road?

Cars, buses, trucks, trains and planes have all succumbed to the wrath of winter weather. Its highways and byways covered in white fluff and cold as ice. The trees, many of them old, reluctant to support the weight of things that fall from the sky. They decided and were forced to bend and break and use suburban houses and support poles as shock absorbers on their way to sidewalks and quiet land, across the road.

Humans, many of them from highly secure and “wealthy” means, were suddenly and abruptly denied their basic needs. Never mind those who have lived their lives continuously, without the things they take for granted.

Cold winds howled and blew. She huffed and puffed and knocked everything down. The water pipes froze and burst. Many wiped dry mouths thirsty for lack of a glass of water. After several days, the agony began to drive them insane, on the verge of murder. The lights were off. TV didn’t work. The Kindle did not turn on due to dead and drained batteries. Nowhere was there any convenient, everyday, ordinary power of any kind. Transportation was no longer an optional package of consideration for them here on the other side of the road.

The car started fine, but it didn’t help, it didn’t help. There were no longer any amenities available for the cute little cul-de-sacs that were now pits of grief and despair, brewing an inevitable pending platform for starvation. Electrical wires and hot, live power lines were untouchable, inaccessible. There were no more matches, paper, or wood available to heat the fireplace. The gas grill was empty of propane. The charcoal grill killed some families who didn’t want to freeze to death in the safety of their broken, vandalized and exposed homes.

One guy wondered, “What did the Indians do? Are we going to die like the pilgrim settlers, leaving the safety of the ships that took them here to the Americas? They got stuck in hundreds of feet of snow and started eating each other to survive. What did they use for cooking? Where are the Indians when you need them? They could help us survive! Will someone please tell us what to do? Do?”

Some of the residents were lucky enough to make the circuit of hostels. Two weeks later, the repair crews were tireless in their dedication to restoring power to the various communities outside of the city.

The stocky Black Man, a power company supervisor, addressed the abandoned, destitute, and depraved semi-homeless vagrants. He paid them a cordial visit, simply to reassure them and update them on the daily progress of the power teams. He wanted to let them know how soon they could start going home. But that was not to be. Wild and unjustly attacked was he. They hit him with verbal assaults from every direction. They wanted satisfaction now, right now.

“You’re telling a bloody lie! We’re tired of waiting for your worthless useless slow jaws!”

He tried in vain to calm the people down, none of whom looked like him. When he failed to bring peace and control to the raucous group, he searched for his belongings that had been taken from him. His lunch box, books, and papers that he had brought to the meeting were stolen, and his outer clothing was removed. They were also confiscated. He bolted out of the room yelling into his cell phone and his radio for help that would never come. Losing the radio as he fled for his life, the rampaging entities of the helpless slum dwellers in the guise of chalk-faced zombies, powered up and began attacking each other. They couldn’t see eye to eye, they couldn’t reason with any shred of sanity. They came from there, from opposite.

Wind, rain, snow, and ice stopped falling; then, after six hours had passed, they began again for another twenty-four hours. Everything was stopped and subsidized, then it was gone completely. It was clear that someone, something was watching them. That, They, She or He was watching to see how the tables had turned, how the tide had fared… The One who is the Most High, the One who sat down and watched them from the media, when it was all over. He saw what they did, how they did it… from there, across the road.

Until next time…

Digital Marketing

Brainstorming Rules

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How will you react the next time your boss takes you on an impromptu brainstorming session? I hope that in my previous articles you have learned tools and techniques that will help you generate creative ideas that will surprise your colleagues and bosses, but first you must establish the ground rules of the session so that your brilliant plan is not ignored. .

I know what you’re thinking; “Rules in a brainstorming session? Doesn’t that defeat the purpose?”

Most people don’t set rules for brainstorming before a session, but I’ve found that setting the guidelines before you start really helps to start—and keep—the creative flow.

This list of rules is the result of testing many, many different rules and ideas from hundreds of brainstorming websites, authors, instructors, friends, and universities. I’ve added a heavy dose of my own experience to solidify this list. These are the ones I’ve found most useful so far, but I’m always trying new things too. I encourage you to do the same, experiment and see what works best for you.

Rule number one: generate as many ideas as possible.

Go for quantity, not quality.

The best way to come up with a great idea is to have lots of ideas to choose from. Try to write down four or five hundred ideas in your session. The list can always be narrowed down and prioritized later.

Another reason I emphasize quantity over quality is because quality doesn’t matter at this stage of the game. Have you ever been in a discussion where someone says something crazy and someone else in the room stops and says, “That won’t work” or “We don’t have the budget for that?” That kind of judgment stops the momentum and drains the creativity of the creators of ideas.

Rule number two: encourage wild and far-fetched ideas, no matter how crazy, ridiculous or far-fetched the idea may be.

Say, “Okay guys, the person who comes up with the most creative idea in the next hour wins.” Letting everyone know that craziness is okay for an hour, that craziness is, in fact, encouraged, will open the door to new ideas. You’d be amazed at the creativity that will blossom when you nurture crazy ideas.

Rule number three: there will be no detailed discussion of an idea, except to provide clarification.

When someone says something that’s really creative, a lot of times the other people in the room will try to give a twenty-minute lecture on why the idea isn’t completely crazy. Because the idea does not fit into normal patterns of business conversation, the person feels responsible for defending the merit of their suggestion. Don’t let this happen. Each person is allowed 10-15 seconds to explain the concept if it is really strange and unknown to the rest of the group, but they are not allowed to carry out a detailed conversation until the session is over.

Rule number four: assign someone as a scribe.

The Scribe Must Write Down Every Idea – No Projection.

I must emphasize the second part of this rule because detection happens all the time. Everybody is shouting ideas and someone will say something really crazy, and the scribe won’t record his idea because he thinks it’s too far fetched. Make sure the scribe understands this rule.

Rule number five: keep a copy of the rules in sight

The rules must be easily visible to everyone in the room. If someone tries to push the boundaries and topple a rule, point to the list and politely tell the naysayer to shut up.

Rule number six: the brainstorming list must be visible to everyone

Don’t let the scribe hide his list out of sight. Everyone should be able to see the ideas that have already been generated. The list could provide the inspiration needed for the next big idea, which brings me to my next point.

Rule number seven: the accumulation of other ideas is encouraged

There is no such thing as a truly original idea. I said it there. If you think you have one, you are arrogant and/or naive. Many of today’s greatest innovations are the result of someone leveraging someone else’s ideas. Even if an idea is only 10% different from another idea, say the new thought out loud and write it down. That 10% difference might be enough to make someone else think about the idea differently and allow them to expand on the concept even further.

Rule number eight: postpone and withhold judgment on any idea

Judgment is one of the greatest creative killers out there. The judgment is even worse when it comes from a superior. Almost everyone has been in a situation where someone throws out a crazy idea and the most senior person in the room grimaces, raises an eyebrow, or makes a derogatory comment. Suddenly, there is dead silence. I was once in a meeting when the chairman of the board stormed into the room and angrily demanded, “What son of a bitch came up with this ridiculous, stupid idea?” How many people do you think raised their hands? What do you think that did to the team’s creativity?

Rule number nine: leave your titles at the door

This is the most difficult rule for strokes. Whenever you do a brainstorming session, there is no vice president. There are no directors, bosses or owners. I teach a lot of sessions in the military, and when I get to this rule I have to look at the most senior officer and say, “Is that clear? Do you understand that you’re not the boss for the next hour? I want you to be whole, whole, and complete.” consciously aware that you are the person most likely to kill the creativity in this room.”

I almost have to embarrass the highest ranking person in this room to make it clear that they will probably screw up the session. To further drive this rule home, I sometimes place a camera in the room from a distance and actually bring the camera up to the manager’s face without saying anything. The camera records your facial expressions and body language in response to really creative ideas. I play the video for them over lunch on the big screen and point out their expressions. I ask them, “Don’t you think your attitude hinders the creative process?”

Rule number ten: the optimal number of people is between 8 and 12, with a third of the group being strangers

This is the biggest and unfortunately the least practiced in business. The critical part of this rule is attracting outsiders. Get people from outside your department, your company, or better yet, people from a completely different industry to join your session. Companies rarely ask outsiders to join them, but outsiders offer a unique point of view that insiders can’t see. Consider this: Every business in the world struggles with costs, employee retention, and other common business issues. Your problems are not unique, everyone has very similar problems to deal with. An outsider might be able to shed some light on your company’s particular roadblock.

Most people think that this rule won’t work because strangers won’t be interested in attending a session, but the reality is that everyone wants to exchange ideas. Try implementing a “brainstorming” program with another company. Both companies will benefit from the experience.

Setting rules for your brainstorming session will allow you to generate more creative ideas and solutions for your business.

Relationship

Lessons from Success: What the Life of Greek Tycoon Aristotle Onassis Reveals

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Aristotle Onassis was born in 1906 in the Greek city of Smyrna (later occupied by Turkey). What little data is available about his childhood suggests that those years were quite difficult: he lost his mother when he was still a baby, and his father remarried a year and a half later. Her relationship with her stepmother was extremely bad: they were in a constant state of war, he considered her a usurper and refused to obey her. Besides, his relationship with his father wasn’t much better. A wealthy wholesaler in Smyrna, he was a strict father whom his son feared.

As a result of these problems, Onassis did poorly in school. He did not like to study and constantly missed classes. He was also extremely disruptive and annoyed his classmates. As a result, he was expelled from all the schools he attended. Under the circumstances, it was not surprising that Onassis never finished his studies. When he took the final exams required to earn a high school diploma in 1922, he flunked out and never tried again.

The same year, the situation became even more difficult for him: the Turks invaded the city of Smyrna from Onassis after defeating the Greek army. Young Onassis, then 16, was caught up, as he would often later recall, in the disaster that followed. The Turkish army swept the city from one side to the other for many days, killing, looting and burning. Smyrna was completely destroyed.

Onassis’s father gathered his family inside his house when the Turks entered the village and closed the doors and windows. Terrified, they saw the destruction through the cracks in the walls. On the fifth day, the Turks entered the house and arrested his father, leaving young Onassis as the only male there. The next day, Onassis took on the responsibility of rescuing the family from him. He went out into the chaotic streets of Smyrna, and there by chance he met the American vice-consul. With his intervention, the Onassis family was immediately transferred by small boat to the nearby Greek island of Lesbos. Three weeks later, the Onassis family arrived at the Greek port of Piraeus – as war refugees – in a deplorable state.

Desperate, Onassis came up with the idea of ​​emigrating to the United States. But he couldn’t get a visa, so as a second option he decided on Argentina. Unfortunately, his father vehemently objected, so much so that he refused even to give her the money for the tickets. Onassis was forced to ask some of his friends for a loan. He got an insignificant amount, and with it he embarked on a risky adventure. In August 1923 he left the Greek port of Piraeus, arriving a month later in Buenos Aires. He was only 17 years old, he grabbed a broken suitcase and he didn’t have a penny.

His first priority was, of course, finding a job. He soon realized that it would not be easy. To stay alive, he had to wash dishes in restaurants and carry bricks on construction sites. Finally, in March 1924 he found work at the Buenos Aires Telephone Company as an electrician. This was not the Argentina that Onassis had dreamed of.

But in 1925, Onassis’s fate changed. As soon as he found a decent job, his next step was to reach an agreement with his father so that he could start selling Greek tobacco in Argentina. In early 1925, he began corresponding with his father and soon persuaded him to send her samples of high-quality Greek tobacco. With samples in hand, Onassis began visiting Argentine cigarette manufacturers to try to sell them tobacco. He quickly received the first order from him, for $10,000. As the quality of the tobacco was excellent, a second order soon followed, for $50,000. Orders came faster and faster. By May 1925 he had managed to put $25,000 in the bank, not bad for someone recently broke. And between 1930 and 1931 he expanded the business to Cuba and Brazil.

In the fall of 1932, Onassis pooled all his savings – some $600,000 – and sailed to London, the maritime capital of the world, to buy ships. Due to the economic crisis of 1929-1932, the prices of the ships had been drastically reduced. A ten-year-old freighter, which had cost $1 million to build in 1920, was now available for $20,000. Onassis soon found what he was looking for: an entire fleet of ten such ships was for sale in Saint Lawrence in Canada. In the winter of the same year, he was found in San Lorenzo. After brief negotiations, he bought six of those ships in 1933, for $20,000 each.

Onassis’s career as a point guard had begun.

Health Fitness

The best exercises to lose fat fast

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Looking to see weight loss fast? If so, it’s time to focus on the best exercises to lose fat. By making sure you spend every minute in the gym doing the exercises that will give you the best results for your efforts, you can be sure that you’re moving in the direction you want to go.

So many people go to the gym and do moves that burn so few calories and also don’t do much for the metabolism that they hardly ever see any progress.

However, when you combine the best exercises for fat loss, that’s when the real fat loss magic tends to happen. You will burn more calories not only during the training session, but also in all the hours after the end of the training.

Let’s cut right to the chase and show you the top five fat loss exercises you should be doing.

heavy squats

The number one exercise for fat loss that you can’t beat is the heavy squat. Squats are great because you’ll be working a lot of muscles at once, so you really give your entire lower body a complete workout in one move.

If you lift a lot of weight on this movement and make sure to keep your rest pauses between 60 and 90 seconds, you can be sure that you will be breathing heavily when you finish 3 or 4 sets.

Do this three times a week and you will notice a big difference in the appearance of your lower body.

push-up planks

Our next one of the best exercises for fat loss is push-up planks. For this one, what you’re going to do is perform a set of ten push-ups, and then immediately once you’ve done that, you’re going to move right into plank position and hold it for 30 seconds.

Once you’re done, do another round of your ten push-ups and one more set of planks.

This will cause the body to remain in constant contraction throughout the entire period of time, burning body fat as it does so.

Incline running sprints

For your cardio training, one of the best fat loss exercises to do is incline running sprints. Running sprints alone is perfect for boosting your metabolism and getting you to burn more fat, but when you add incline to the mix, now you’re really taking fat loss to a whole new level.

Keep in mind that you’ll only be able to hold this interval for about 30 seconds in most cases, but that’s perfectly fine as it indicates you’re working as hard as you should.

dominated

Pull-ups are another one of the best upper body exercises that will help build strength while also burning body fat. Pull-ups will work just about every muscle in your upper body (aside from your chest, which you hit in the pull-up motion) and will also help increase your agility.

Do as many as you can, rest for a minute, and then do two more rounds after that.

drooping strides

Finally, to finish off your workout and really build a high level of fatigue, do a series of drop lunges. Lunges work great for targeting the lower body like squats do and when you add the drop set there, you’ll be distributing stress to the muscles at an extremely high rate.

Do a series of lunges as you normally would, and immediately after that lower the weight 5 to 10 pounds and do a second. If you can do one more set after that with no weight (or a lighter weight), even better.

Work your way up to three drop sets for best results.

There you have the five best exercises to lose fat. Take a good look at your training schedule and make sure you don’t miss a thing.

Legal Law

Dealing With Your Bankruptcy Attorney: 3 Big Mistakes People Make That Can Hurt Your Bankruptcy Case

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Mistake #1: Not telling your bankruptcy attorney about a credit card you want to keep.

There you have it, whether your attorney is asking you in person at his office, or on a form he gave you to fill out: list all your creditors, their addresses, account numbers, and how much you owe. You have a credit card that isn’t “topped up” and you’ve been making minimum payments just to avoid going into default. He would like to keep it because he wants a little credit, in case of an emergency.

What they don’t realize is that most creditors, especially the big banks that issue Visa, Master Card, Discover, and American Express, check your credit report every few months, if not monthly. Sooner or later, it will be obvious that you have filed for bankruptcy because it will be right there on your credit report.

What do you think your credit card issuer will do then? Will they let you keep your card? Will they give you more credit? Unlucky! Not in this life! What you have done is make things incredibly difficult for yourself and your attorney.

What to do instead: Reveal, reveal, reveal. When your attorney asks you to list all the debts you owe, list all the debts you owe. There are reasons for each question. Many wonder why they are necessary. But many more are required so that your lawyer can protect you.

Mistake #2: Not mentioning that you paid a family member back.

Any decent bankruptcy attorney will ask you if you paid money owed to a family member in the last year or two. Every state is a little different. But the idea is that you don’t want to create what is called a “preference”.

In a typical state, if you paid a parent, brother or sister in the last year before your case was filed, you did exactly that – you created a preference. Let’s say he had some credit card debt, some unpaid medical bills, and a loan from his relative. That family member is in the same class of creditors as credit cards or medical bills, but you paid that one to the detriment of the others, creating the preference.

If the amount was more than $600, guess what happens? The trustee keeps the money and uses it to equally pay all unsecured creditors who sued in your case. Of course, the trustee receives a commission for doing that.

What to do instead. Tell your lawyer. If you report it before your case is filed, it may be able to help you, or the family member you paid, keep that money. Keeping it out of the trustee’s hands is the goal. The timing of presenting your case can be critical. this is a perfect example. Possibly, by waiting until the end of the year, that preferential payment ceases to be a problem.

Mistake #3: Allowing too much time to pass from the first visit to your attorney to the presentation of your case.

So much can be written about this bug that it is impossible to cover it here. But, as an example, your attorney will ask for your gross income for the last 6 months. You’ll give her that information, but then you won’t see her again for 6 weeks. Well that means you will have to provide more information to catch up because time has passed and those 6 months are different now than they were before.

What to do instead: It’s really no one’s fault because the bankruptcy code looks at your life in “snapshots.” However, life is lived on a continuum. It progresses day by day and things change as time goes by. The best thing to do is wait and give your attorney all the information they need at the same time. But, that is the ideal. We all have to do the best we can.

Lifestyle Fashion

Natural detox diets for long-term health

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With so many chemicals in everything we eat, it’s hard enough to keep all the junk out of our system and eat only the healthy stuff. The good news is that even after consuming unhealthy foods, although many toxins remain in our body for a while, it is always possible to get rid of them. For clearer skin, more energy, and better overall health, detox diets are becoming more and more popular. The idea is that these diets flush the system specifically, the liver, kidneys and colon of the toxins that are taken in through a normal diet. Most detox diets typically last between a week and a month, but for overall health improvement, these diets can offer great lifestyle advice for anyone, even those who don’t commit to a detox diet. complete. Considering the number of chemicals in fast food, junk food, and even foods and beverages that may seem healthy—like milk, for example—toxins need to be methodically removed from the body from time to time.

The simple but most effective way to detox is to drink plenty of water. The water rinses and purifies the body of any rubbish within it. A good way to assess adequate hydration is to take note of the color of your urine. Clear urine means adequate hydration, but more yellow urine means you should drink more water. A good way to ensure adequate hydration is to carry a bottle of water and drink from it whenever you feel thirsty instead of opting for unhealthy beverages. Even drinks that seem natural, like apple juice, can have preservatives and artificial sugars, so drinking water during your detox is the best option. Drinking tea, specifically green tea, also has many benefits for detoxification.

Then there is the consumption of fruits, vegetables and natural grains. These nutrients are easily processed by the body and most detox diets include a high intake of these elements. Red meat, dairy, and fatty foods should be avoided during the detox period. For protein during the diet, you can consume fish, chicken, and nuts. Green vegetables, lentils, and brown rice are also great options. Above all, smoking, drugs, and alcohol consumption should be avoided during detoxification because these things should be considered toxins.

Although diet itself is key, exercise is also a very important part of a detox program. When exercising, the body sweats out certain toxins that it would not otherwise be able to expel. The increase in body temperature during exercise also helps purify the body. Exercising three times a week for at least half an hour each time is enough to cleanse the body, but it’s always good to exercise more. The exercise itself does not need to be strenuous; anything that increases your heart rate and body temperature will do the job.

There are also several high-budget detox options like detox drinks and “internal body cleansers,” but the above tips work just as well, if not better. The idea of ​​the diet is simply to keep out additional toxins while cleansing the body of whatever harmful things already exist within it. If detox diets are done regularly, the dieter will find themselves with increased energy, long-term health benefits, and clearer skin.

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Tips for a healthy life – How to lead a healthy and happy life

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A stress-free and positive lifestyle depends on numerous factors. By adopting these simple self-help tips and techniques, you can live a quality healthy and happy life.

1. Think positive: A cheerful and positive outlook on life is an important factor for a good healthy life. Keep in the company of positive thinkers. Self-help books like “The Secret” by Rhonda Byrnes and “Stretch Yourself” by Vickrant Mahajan guide you with invaluable advice on generating good thoughts and making a proactive, positive difference in your life.

2. Healthy diet: Good nutrition means eating healthy foods like whole grains, legumes, fruits, vegetables, milk and milk products. Restrict your intake of ready-to-eat foods, as they are often high in sodium, fat, and even sugar. Limit your intake of foods that are high in fat and sugar. Always make sure you don’t skip any meals, especially breakfast.

3. Regular Exercise: You can incorporate exercise into your daily life with simple techniques to add more activity to your life. Take a walk, play Frisbee, throw a ball to your dog, jog, play squash, nothing. People are usually too lazy to start. It’s a good idea to involve family members, your pet, or your friends in your fitness plan to make exercise fun. Think and plan ways to get moving!

Four. reduce stress: If you find your temper rising, count from 1 to 10 slowly in your mind to distract yourself from upsetting situations and better manage your mind. Avoid people who cause you stress and stressful situations whenever possible.

5. Socialize: Family and friends provide physical support in times of need, such as help with running errands, cooking, cleaning, and offering a close-knit sense of belonging. This feeling gives a strong sense of personal identity, prevents loneliness, helps to overcome anxiety and depression.

6. Dream: A good 7-10 hours of continuous, uninterrupted sleep is essential for mental alertness, emotional stability, and good health.

Real Estate

Secured loans without proof of income – Easy financial assistance for every situation

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In this age of entrepreneurship, more and more people are finding satisfaction in running their own business ventures rather than full-time employment with an organization. Now, these self-employed people naturally require enough investments and financial resources to help in the daily running of their business and hence they need to avail financial loans from the lenders. However, most financial lending institutions require proof of income for their loans, and it is unlikely that the self-employed individual will have such proof of income to substantiate their loan application. Many lenders have realized this drawback in financial loan schemes and have therefore introduced the concept of secured loans without proof of income for the benefit of these self-employed people, who can place their business as collateral. against the loan but cannot provide any definitive proof of income.

Anyone who does not have audited accounts for their small business start-up but still requires the financial backing of a substantial loan can easily apply for secured loans with no proof of income. Since the loans are secured by the posting of valuable collateral such as perhaps the business, the risk to the lender is greatly reduced. The guarantee itself guarantees the lender the borrower’s ability to pay, since, otherwise, the lender can easily claim the guarantee in the event of non-payment or late payment of his financial loan. The interest rate of secured loans without proof of income is also reasonable and competitive, and you can even get cheap options for these loans, if you compare the rates offered by different lenders in the market.

Most financial lenders that offer secured loans with no proof of income have their own online websites, which are the best source of information about these loans. The potential borrower can not only research all the information he needs about these loans but can even apply for these loans through the easily available online application form. All that the borrower needs to provide is basic personal information and sufficient details about their business and all such information will be duly verified by the lender before the loan is approved. However, once the information is deemed accurate, the loan approval decision is instant and the loan amount is transferred to the borrower’s account, usually within a single business day, depending on the loan amount.

The loan amount of secured loans without proof of income can be used to satisfy any financial need of the borrower that it sees fit. Every business enterprise needs sufficient working and fixed capital inflow, and such loans are one of the most viable ways of providing the necessary capital. Even people with a bad credit history and those without any proof of income, although they are considered a high-risk category, can still easily apply for and access these loans, provided they have the security required to be placed as collateral against them. these loans.