Recovering From the Long-Term Financial Effects of Filing for Bankruptcy Going through bankruptcy is a stressful proposition, to say the least. However, for most people, the real anxiety lies not in the bankruptcy process itself, but rather in the fear of the unknown about what happens next. Will they be forever branded as being financially irresponsible? Will they ever be able to get a car loan? A mortgage? If you're considering bankruptcy but you're concerned about the potential future implications, don't despair. You are not alone in your fears. The good news though ...

New Jersey Imposes Grim Criminal and Civil Penalties for Fatal DWIs Criminal defendants who drank alcohol, drove and caused innocent deaths have been convicted of serious crimes and sentenced to severe penalties in New Jersey state courts. Some examples from recent news reports: -In September 2012, a 29-year-old Paterson man pled guilty to death by auto and vehicular homicide for the death of a 22-year-old woman who had been a passenger in a car the man hit when he allegedly ran a stop sign while drunk. The defendant received a four-year prison sentence. After serving ...

Birth-Defect Risks to Pregnant Women Taking Zoloft Pregnancy should be one of the happiest times of a woman's life. However, it can be a physically and emotionally challenging time, especially for mothers with clinical depression. Even without a pre-existing mental-health challenge like depression, the physical symptoms of pregnancy like nausea and fatigue, the hormonal changes, and normal fears and anxieties about the baby can bring on the blues. Women on medication like Zoloft, Prozac, Paxil and others to smooth out the symptoms of depression face a serious dilemma ...

Teens, Distracted Driving and the Danger of Texting For a parent, few moments in their child's life are more exciting than when their child drives off alone for the first time. It is exciting, because it marks one more milestone in their becoming an adult. It is also exciting in the sense that there are few times in their life where they will embark on something so dangerous. We have all read the statistics and they are daunting. The leading cause of death for teenagers is motor vehicle crashes. It is the leading cause of death because teenagers are generally healthy ...

New Federal Guidelines Expedite Short Sale Process In August, the Federal Housing and Finance Agency announced new guidelines that aim to streamline short sales, making the process easier for both lenders and borrowers. Starting Nov. 1, owners whose loans have been purchased or guaranteed by Fannie Mae or Freddie Mac may qualify for a short sale if they have an eligible hardship. Eligible hardships include unemployment, divorce, disability, job location or a death of the borrower or co-borrower. The following are highlights of the new guidelines: -Homeowners who ...

Medical Malpractice: Physician Burnout A recent study finds that burnout is fairly common among physicians, and this proves troubling for many patients. Doctors are being overworked, and this can lead to problems with misdiagnosis and incorrect procedures. The Study The study, which was published in the Archives of Internal Medicine, looked at 7,288 doctors in June 2011. These doctors filled out surveys on their feelings of burnout and whether they believe it affected their personal work lives. The survey was called the Maslach Burnout Inventory and asked 22 questions ...

Parenting Time in New Jersey Sometimes those impacted the most by divorce are the children. Their daily life changes as does their relationships with their parents. They may even have new people introduced into their lives. It is imperative that parents stay involved in their children's lives following divorce in order for the children to adjust to their new lifestyles. With these interests in mind, many divorcing New Jersey parents strive to amicably establish some type of parenting plan outlining child custody and visitation. However, given the emotions that often ...

Hampton Inn Atlanta-Southlake Morrow GA Hotel offers close lodging to guests attending the upcoming Lake Spivey Road Race. The event will take place on November 3, 2012 at First Christian Church in Jonesboro, GA. It will include a 5K (3.1 mile) run/walk and a 15K (9.3 mile) road race in Lake Spivey, GA. Visit lakespiveyroadrace.org for event details and registration. "We are pleased to welcome participants and guests attending the Lake Spivey Road Race," shares Bob Tipton, General Manager at the Hampton Inn Southlake / Morrow Hotel. "Conveniently located ...

The Holiday Inn Express & Suites Newberry SC Hotel is honored to be named a winner of InterContinental Hotels Group's (IHG) 2012 Torchbearer Award. Distinguished as the highest accolade in the IHG system, the Torchbearer Award goes to the top 3% of all IHG properties in North America. It is measured by their guest satisfaction scores. Selected out of approximately 4,400 IHG hotels, which is the world's largest hotel group in number of rooms, Holiday Inn Express & Suites Newberry Hotel is excited to be recognized for their commitment to service excellence. The ...

4t Networks is pleased to announce the immediate availability of Microsoft SQL Server 2012 editions in the company's cloud hosting environment. The 2012 edition of Microsoft SQL Server includes expanded virtualization rights, expanded options, benefits, and flexibility for the user in the virtual environment. And, with 4t Networks' simplified pricing and editions, it is now easier than ever to handle your organization's cloud web hosting. In order to license each Virtual Machine, there is a minimum of 4 core licenses required. These are sold in 2 core increments. ...

There are countless factors that can put your business at risk for disaster, from unfortunate accidental occurrences like human error or a natural disaster, to more malicious causes like a computer virus or hackers. For this reason, Cloud hosting company 4t Networks encourages every business to have a disaster recovery plan. When disaster does strike, it is a very serious issue. In fact, 90 percent of businesses who have not protected themselves with a good backup and recovery plan end up filing for bankruptcy within three years of their first reported disaster. Fortunately, ...

Halloween is just around the corner, and if you haven't figured out what your costume will be, hip hop jewelry retailer Cream Jewelry Best has a suggestion: why not dress as your favorite hip hop star? With the right iced out jewelry and attitude, you can rock Halloween as a hip hop legend. Several hip hop icons have embraced this tradition, allowing exclusive masks of their likenesses to be produced so that fans can live the life on Halloween night. Lil Jon has taken an especially enthusiastic stance, encouraging his fans to purchase masks of his likeness and wear ...

Orlando bankruptcy attorneys Clark & Washington understand the strain that financial woes can place on a person's emotions. Often, the further into financial trouble a person finds themselves, the more unhappy and hopeless they feel. Constant calls from creditors don't make the situation any better and often lead to debtors feeling even more hopeless. The best way to regain your sense of hope for your financial future is to talk to one of Clark & Washington's Orlando bankruptcy attorneys. You can schedule a free consultation at one of the firm's convenient Orlando ...

McCart Insurance understands that keeping your family up-to-date on its immunizations is not necessarily fun. Whether it's holding a screaming baby for a shot or keeping track of immunization records to know when it's time for a new tetanus shot, immunizations aren't exactly anyone's idea of a good time. But they are generally covered by your Georgia health insurance and they are important to your health. Immunizations are generally covered by Georgia health insurance plans because they help contribute to herd immunity. That is, the more people who actively keep up on ...

Metro Limo knows how to relieve some of the stress of your holiday vacation. Better yet, they know how to make the trip to the airport one of the best parts of your journey: take a limo! Most people spend the last hour or so before they need to be at the airport double-checking their luggage or finishing last minute packing. Then, it's on to the over-crowded highways fighting through traffic and hunting for a place to park that won't end up costing as much as the rest of the trip put together. By the time you make it to the security checks, you're already frazzled and ...

Bulks Landscape Supply is offering stone delivery, as well as delivery of a wide variety of other landscaping supplies, throughout the metro Atlanta area. If you need fireplace stone, stacked stone, flagstone, or any other type of landscaping stone it is now easier than ever to get it. Stone products can be delivered directly from the supply yard to your work site in a surprisingly short amount of time in pallet quantities. Orders can be placed at the Bulks store or over the phone, and will be delivered in 24 hours or less from the time that your order has been confirmed. With ...

The Tampa bankruptcy attorneys at Clark & Washington know that it can be hard to face the day when it will be filled with calls from creditors and demands for payment that you simply cannot make. But the Tampa bankruptcy law firm wants people to know that there is hope available through Chapter 7 or Chapter 13 bankruptcy. A Chapter 7 bankruptcy essentially allows people to wipe the slate clean and get a fresh start, fresh hope, by eliminating most of their debt. Filing bankruptcy in Tampa is never an easy decision, but the attorneys at Clark & Washington want ...

No matter who your Atlanta dumpster company is, there are some things that should not be thrown into an Atlanta dumpster and Green Star Waste wants residents to understand why. Many household chemicals, including paint and gasoline, should never end up in a dumpster in Atlanta. These pose a threat due to the risk of fire and also due to the risk of runoff. Your Atlanta rolloff dumpster is not water tight, so when it rains, anything that's in the dumpster could be rinsed into nearby water supplies, potentially putting your family and local pets and wildlife at risk of ...

Attorneys Clark & Washington know that one of the major factors in determining whether to file for bankruptcy protection is whether you can keep your house. Now, thanks to the significant change in Georgia bankruptcy code made by SB117, keeping your home just became a little bit easier. The law, which became effective in May, gives a personal exemption of up to $21,500 for a person's primary residence. Under the previous Atlanta bankruptcy law, people filing for bankruptcy were allowed to claim just $10,000 of the value of their home as a personal exemption. Couples ...

Property Masters Landscape & Design understand that Fall is just too beautiful to stay indoors all the time. In fact, a big pot of chili outside under the crisp autumn sky sounds just about perfect An outdoor patio in Atlanta in the fall is incomplete without an outdoor kitchen. Whether it's for chili after an afternoon game of touch football or apple cider and mulled wine after the sun goes down, your Georgia landscaping professional can make life this fall more enjoyable. With your outdoor kitchen, Mom can be outside enjoying time with the family and making sure ...

Atlanta pool maintenance company Pinnacle Pools understands the importance of properly winterizing pools in Atlanta. Despite the relatively moderate Georgia winters, winterizing your pool before temperatures get too low is a critical part of pool care. When fall hits, most people stop using their pools. Winterizing at this point allows you to prevent the potential damages of freezing water and keep the area as clean as possible for when you reopen the pool for spring. Though it is possible to winterize your pool on your own, before you consider that option you should ...

A night out on the town should be fun, but without responsibility it can be costly, even fatal. Atlanta limo company Topper Worldwide urges party-goers to avoid the costly mistake of a DUI and instead rent a limo. It is not only safer for everyone, but in the long run, it can save you a great deal of money. The average cost of a DUI is around $10,000 in bail fees, additional fines, and insurance increases, if you are fortunate enough to only be pulled over. If you are in an accident, the number rapidly increases with legal fees, not to mention the amount of time lost ...

The Tint Guy, an Atlanta window tinting company, offers complete residential and commercial window tinting in Kennesaw GA. No matter what your Kennesaw window tinting needs are, The Tint Guy can help. With the widest selection of window film for applications both commercial and residential, along with the expertise of skilled professionals, your home or business stands a lot to gain from what The Tint Guy has to offer. Business owners, property managers, and homeowners alike will be thrilled with the reduction in their energy costs, thanks to the naturally cooler ...

The Painting Company, an Atlanta painting company, offers complete interior and exterior painting services in Alpharetta. Whether it's a simple exterior painting or deck revitalization, the expert team at The Painting Company can help! The at The Painting Company can help restore your Alpharetta home with faux finishes, Venetian plastering, deck revitalization and more. The company can even help you with popcorn ceiling removal. No matter the job, the Alpharetta painters from The Painting Company can do the job. "We want Alpharetta residents to know there is ...

The makers of the natural weight loss supplement Healthe Trim would like to know: Did you meet your mid-year weight loss goals? Or, did you even have any? Many people create very broad weight loss goals, neglecting to plan smaller markers. To keep on track with your weight loss plans, it is absolutely critical to define some small, easier-to-reach goals as marking points for your grander scheme. Any natural weight loss plan has two critical components: a healthy diet and regular exercise. However, once you have committed yourself to proper nutrition and the right amount ...