How would filing for Chapter 13 bankruptcy benefit you?

In Chapter 13 bankruptcy, you propose a payment plan to your creditors, and it usually lasts three to five years. Offer to pay all or part of your debt with future income you earn. You can use Chapter 13 to offset late car payments, pay back taxes you owe, prevent a bank from foreclosing your home, keep non-exempt property that you consider valuable, prevent interest from accruing on your tax debt and much more. When you follow the terms of your agreement to pay off your debts, all your remaining dischargeable debts will be released at the end of the payment period. The monetary amount allocated to creditors under a Chapter 13 bankruptcy must equal the amount they would have received if a Chapter 7 bankruptcy had been filed. To file for Chapter 13 bankruptcy, you must have a “regular source of income “and disposable income to apply to your refunds.

Typically, a Chapter 13 bankruptcy is used when you want to keep secured assets, such as a car or home, where you have more equity in the secured assets that you can protect by using your bankruptcy exemptions. It is a reorganization of the debts that you owe to your creditors that are not non-dischargeable debts.

A Chapter 13 bankruptcy allows you to get back your past due payments over time and reinstate your original payment agreement. It may also be a better option when you have valuable non-exempt property that you want to keep. To keep non-exempt property, you must pay the creditor for the property’s value.

An exemption limit would apply to any equity you have on the property. Equity is simply a difference between the value of the property and what you owe. For example, if you have a truck valued at $ 10,000 with a loan of $ 8,500, the truck only contains a net worth of $ 1,500. When you have a property that is in the hands of a loan, the equity that you own in that property is covered by your exemptions. That is if you are up to date with your payments. Also, if you choose to continue making normal loan payments, you can keep the property for the entire period and after the bankruptcy period ends. If the equity is not covered by your exemptions, your creditor can choose to sell that asset and then distribute the money resulting from the sale. In this case, you would be entitled to the value of your exemption on the asset sold as a cash payment. Current bankruptcy laws allow a married couple to file a full set of exemptions together for each claim, meaning that more property can be protected.

Non-dischargeable debts that you cannot clear in bankruptcy include DWI / DUI personal injury / death debts, back child support, alimony, debts related to family support, student loans, income tax debts within the past three years, as well as any other tax debts, traffic ticket fines, criminal restitution, and any debt you forget to include on your bankruptcy documents, unless you inform the creditor of your bankruptcy case. Aside from those non dischargeable debts, everything else included in your bankruptcy case will be liquidated at the end of the agreed bankruptcy period.

Koh Samui Villas – Chaweng Sila Development, Koh Samui Island, Thailand

Sila is an ancient Sanskrit word from Buddhist texts that means virtue, good conduct and moral discipline, which is part of the eightfold Buddhist path to enlightenment. The Chaweng Sila luxury villa development, high in the Chaweng Hills on the island of Koh Samui, Thailand, certainly transcends you to higher heights with its enlightening combination of traditional Thai and modern contemporary architecture.

The Chaweng Sila development included several 3, 4 and 5 bedroom luxury Samui villas and a similar number of 2 bedroom duplex apartment units available for sale and vacation rental. Set in a privileged position, the villas are perched high on the Chaweng hillside, with truly breathtaking and commanding panoramic views over Chaweng, the seas, islands, and the horizon beyond. The villas are built in a modern and contemporary design with touches of traditional Thai architecture including curved wooden shingle ceilings and high vaulted ceilings.

The villas are luxurious throughout with sublime architectural features such as poolside Salas (covered pavilions), carp fish ponds, and striking use of natural materials and earth tones that allow the villas to blend in with their natural surroundings.

The overall design of the villas consists of a central poolside living and dining area with a fully equipped modern kitchen, indoor dining table and entertaining area with a comfortable oversized L-shaped sofa in front of a large LCD screen. and the top of the range audio system. This luxurious living room opens onto a spacious infinity edge terrace with pool with comfortable modern outdoor furniture and a sunken, shaded lounge area where you can enjoy a drink, a snack or just relax and enjoy the incredible views.

Stunning 180 degree panoramic ocean and island views can be seen from every corner of each villa. Panoramic views incorporate the town of Chaweng, the entire eastern shoreline from Choeng Mon to Lamai, and the crystal clear waters and emerald green islands beyond. At night, the bright, glittering lights of Chaweng Beach can be seen far below and are a breathtaking sight to behold from the peaceful and serene hillside of Chaweng Sila.

All rooms in the villa boast fabulous ocean views, are luxuriously appointed and feature luxurious private bathrooms with double vanity countertops, modern rain shower and bathtub. Each bedroom also has its own entertainment center with LCD TV, separate satellite system, and CD / DVD player.

If you are looking for an enriching villa rental experience on Koh Samui, Chaweng Sila may be just what you are looking for.

How to polish and finish resin jewelry

How to polish resin jewelry and polish resin

Resin jewelry has become very popular as creators can create truly original pieces. The processes for making resin jewelry are quite easy using simple to use molds and resins. This article will discuss the finishing of resin jewelry using polishing and resin polishing methods to create professional quality jewelry pieces.

Once your jewelry piece has been removed from the mold and it has fully cured, you can refine the appearance of the jewelry piece by drilling, sanding, buffing, or buffing. Make sure to wear a mask when applying any of these techniques, as they will create a fine resin powder that you don’t want to inhale.

Hand sanded and polished or polished

To get started, you may need to use a coarse grade sandpaper to remove obvious bumps and blemishes. A 100 to 180 grit grade is best suited for this task. A wood sanding block can help sand only the high spots and get a smooth finish.

We can then move on to wet and dry sandpaper for finer sanding with grits starting at 320 and going up to 400. You can sand the item under running water if you want to reduce dust. You can go to even finer grains from 600 to 1500 to achieve glass-like surfaces.

A final polish is needed to give the surface a high gloss. We usually use a polishing compound to polish resins and a cloth.

Note: This method only applies to polyurethane and polyester resins. Resin polishing is not recommended with epoxy resins. Instead, we suggest that you re-coat the sanded surface with resin to create a high gloss. Special coating resins are designed for this task.

Polishing machine

Resin polishing can be accelerated by using machine dampers. However, care must be taken with the speed of the buffer. If the speeds are too high, the resin can soften and leave white marks on the surface.


For the same reasons as with machine polishing, drilling must also be done at low speed. Drill bits can also clog if the resin becomes hot and soft.

Make sure to secure the small piece of jewelry so that you can drill a straight hole. We have tested various materials to put between a vise and the jewelry piece so that it does not mark the delicate resin surface and we have found that leather is ideal.

If at any point you make a mistake with your piercing, you can repair it with an additional resin mix.

Attach jewelry findings

When it comes to gluing findings to jewelry pieces, epoxy glue is the most suitable. The 5-10 minute setting type is ideal. You can also use your original resin mix to attach trimmings. Let it sit overnight.

To achieve a matte finish

An interesting and different way to finish resin jewelry is to give the pieces a matte finish. This can be done by sandblasting the cured part. If you don’t have access to a sandblasting, there are small units available at an inexpensive price and they work with a can of compressed air. Alternatively, you can use a pumice stone rubbing compound to give your pieces a matte finish.

The power of the first sentence of your novel

Here’s what happens (and I bet you do too): a book shows up at the bookstore. It may be the colors, an image on the spine, the name of an author or the title, but something catches your attention and you separate the book from the masses. You look at the front cover, flip it over, and read a few lines from the back cover copy. You open the book and read a little bit of the inside copy of the dust jacket, then you turn to the first page and …

You read the first line.

Which sucks, so you close the book and put it back on the shelves.

That is all. That’s how long you have to capture the interest of your readers today. If your first sentence does not capture a reader’s imagination, that reader moves on to the next novel.

Of course, if you’re John Grisham or Stephen King, readers will leave you a little slack and stick with you longer. You’ve already earned their trust in the past, so a bad first sentence is forgiven. But if you’re just starting out and looking to build an audience, that first sentence is your calling card. It’s your first, and often only, chance to make an impression.

So what makes a great first sentence?

Fortunately, you have a variety of options. The two main hooks for a powerful first sentence revolve around character or action. There are a handful of others. However, for the purposes of this article, we will focus on these two. Let’s take a look at the action first.

Action refers to movement. Tension, action, conflict … these are quite interchangeable terms. The point with an opening action sentence is to immediately grab the reader by the shoulders and shake him off. It’s like the first drop on a big roller coaster … there’s no going back because you have your reader’s full attention.

Here are some examples:

– The bomb exploded under the table at the corner table at Mindy’s Coffee Shop, where Judge Arnold Cummings ate breakfast every morning at exactly 8:35 a.m.

Sheila Hamilton desperately tugged on her kidneys but she had already lost control of Morgan in panic and it was clear that something bad was about to happen.

When the car rolled over the embankment, George Luther couldn’t help but wonder what else could go wrong today.

– A moment before lightning changed his life forever, Malcolm Zebrowski was celebrating his thirty-third birthday with a group of people he had never met before.

These samples immediately draw the reader into the movement of the story. Not only does your reader want to know what happens next, but in all likelihood, you’ve already had a number of questions begging for answers. For example, in our first sentence … was the bomb intended to kill the judge? If so, why? Who Placed the Bomb? What led up to this moment?

These are all legitimate questions that encourage your reader to keep reading. And that’s the point of a powerful first sentence … to hook the reader.

So let’s take a look at some character openings. These are based on character descriptions that create curiosity. Your reader finds this particular character so quirky or interesting that he just has to learn more. Here are some examples:

– Emily Bauer was tiny in stature, only 4′-11 “tall, but she feared no one and those who crossed her spent the rest of their days looking over her shoulders in dread.

– Max Ristow spent most of his life dealing with migraines, until the day he met his dead sister on a beach in Monterrey.

– Howard Duncan dragged his right leg when he walked, the result of an accident that killed his parents when he was six years old and left him with permanent nerve damage on the right side of his body.

– Some people called her holy, others sinners, but most considered Tammy Hathaway a woman of her word.

Curiosity. Wanting to know more. Wondering who this person is and how he ended up here. These are all pieces of the character puzzle that a strong opening phrase can set in motion.

So there you have it … two opening sentence strategies to make your novel irresistible to the casual reader. A good opening can be the great champion of your book. Give it the love and attention it deserves.

The Prison Cell Training

Have you ever noticed that many convicted criminals enter prison as skinny punks but come out with 20-40 pounds of new muscle?

Have you ever wondered how it is possible?

Recently, a client of mine asked me if I thought it was possible to build muscle, burn fat, and have a lean, muscular physique without lifting weights.

While I thought about it for a bit … he raised the stakes. He wanted to know if someone could build a better body while locked in a ten by ten cell.

I thought about it a bit more … and then started to do some research. After completing my research, I told him that I believed it was possible to develop muscle even within the confines of a ten-by-ten prison cell.

This is why:

Point # 1: Your muscles are stupid. To grow, your muscles must be under tension. If you lift a dumbbell, it puts strain on your biceps and back muscles.

But … if you do a pull-up … that also puts strain on your back muscles and biceps. Here’s the catch: your muscles don’t recognize the difference between the tension exerted by chin-ups or dumbbell pushups.

The important thing is that your muscles work against resistance in each case. So lifting weights can be a convenient way to work your muscles under tension … but it’s definitely not the only way to work your muscles.

Point # 2: In the late 1980s, research used electromagnetic imaging to discover which exercises caused the most activation of muscle fibers. The reason is that the more muscle fibers that were activated, the better the exercise was to build muscle and strength.

The researchers found that the most effective exercises were those in which the hands or feet remained steady and the body moved.

Exercises in which your body was immobile and your hands or feet performed the movement were decidedly less effective.

Here’s an example: When you’re bench pressing, your body remains immobile and your hands move up and down throughout the space.

But when you do a push-up, your hands remain stationary and your body moves up and down throughout the space.

How about another example? When you do a seated leg extension, your body remains immobile and your feet move up and down. But when you squat, your feet remain stationary and your body moves up and down throughout the space.

So the pushup activates more muscle fiber than the bench press … and a squat recruits more muscle fibers than a leg extension.

This means that many bodyweight exercises actually require a higher degree of muscle fiber activation than many common weight lifting exercises.

In summary, bodyweight exercises can be more effective in building muscle and strength.

So … even if you are trapped in a small prison cell, you can still build muscle and strength with bodyweight exercises like push-ups, pull-ups, sit-ups, and squats.

Of course, to build extreme amounts of muscle you have to go beyond the basic exercises and start using some of the more advanced exercises. These include one-arm curl, janda crunches, dips, and chin-up variations.

But in the end, I don’t see any reason why you couldn’t build a spectacularly muscular physique within the tiny confines of a ten-by-ten prison cell.

Rawhide Bones Versus Pigskin Bones, Which Is Better?

You’re thinking, “I’m going to bring my new puppy home.” If you want the best for him / her, you will learn what you can about raising a dog in a positive way.

Your dog is part of your pack. It is important that they become part of your daily family life. Never leave dogs alone in the backyard or anywhere for days on end. They will be bored and lonely, just like you. That’s when the dogs bark and dig. It’s not the dog’s fault, it’s the owners’ fault when that happens. It is important to include them as members of the family. Dogs will be the most loyal companion you will ever meet, especially when you care for them lovingly.

Pet owners love to give their dogs treats. It is part of the joy of having a dog. You can bond with your pampered puppy in many different ways. One of the funniest ways is to give your beloved dog treats. It brings great pleasure not only to your dog, but also to you.

Since you want your dog to live the longest and healthiest life possible, it is vital to be aware of the importance of nutrition. Reading and understanding pet food and product labels is critical to the well-being of your pampered puppy.

The natural tendency of the dog is to chew. Separating the meat is your nature. Clean your teeth and keep your gums healthy. Imagine wolves in the wild. They take the meat out of a corpse when they eat. That’s why giving your spoiled pup things that they can shred with their teeth will save you frustration and a lot of money when you don’t ruin your shoes or a couch leg by chewing on them.

Puppies need to chew a lot. Therefore, keeping things available to keep them busy will make you and your precious pup happier.

People have asked, “Raw Hide Bones versus Pork Hide Bones, which is better?” There can be a lot of confusion about the healthiest option. The rawhide and pighide bones are made from the same part of the animal, there is no difference there. The processing is very similar. Both are used for cleaning healthier teeth and gums. So what is the big difference?

Raw bones are known to drown dogs. That is every pet parent’s worst nightmare! Many people say to stay away from Rawhide Bones because they can be dangerous and cause suffocation. Raw leather is very stiff. If your dog swallows a piece of rawhide, it can get stuck in his throat. This can cause your dog to gag, vomit, diarrhea, and fever with signs of pain. At worst, the dogs have had to undergo expensive and painful surgery to remove the blockage.

Sometimes it is recommended to wash our hands after handling Rawhide Bones with soap and water to avoid contamination! I don’t want to feed any of my pets, products that tell me to wash my hands after handling … how safe can those products be for your beloved pet to eat?

Porkhide Bones are known to get fatter than Rawhide Bones. Parents of pets who have an overweight dog should be aware of the calorie content. If it is a known fact that your dog is allergic to pork, you will not want to feed Porkhide. Pigskin has been shown to be consistently salmonella-free during outbreaks when the rawhide was contaminated.

When ingredients are added to pork hide or rawhide treats, you have to wonder why ingredients like sugar and salt are added. Is there a specific nutritional value to adding those ingredients? You want to be confident that no ingredients are added unless they have specific health benefits in whatever you feed your precious pup or any beloved pet.

Would you have the peace of mind of feeding your precious puppies healthy pork treats, without unnecessary additional ingredients, from a manufacturer with the strictest safety standards in the industry, resulting in nothing ever being taken away?

For a free report and the secrets of the pet food and product industry, visit

Redwood National Park: 3 Tips for Efficient Travel to Redwood by Amtrak Train and Bus

Redwood National Park was created in 1968 to protect the land adjacent to the California state redwood parks that formed in the 1920s. Currently, the combined state and federal lands are managed under a joint agreement between the Park Service. Nationals and the California Department of Parks and Recreation. The parks combined cover more than 110,000 acres, including 37 miles of the pristine California coastline.

Since Delta is the only commercial airline that arrives at the local airport, it is expensive to fly into the area. Although it is not close to an Amtrak train line, there is a bus service from Amtrak stations to the Redwood area, which may be the cheapest way to travel to the park. Here are three tips / suggestions for effective travel to / from Redwood by land:

One: Martinez, California is your Amtrak connection to Redwood National Park. The San Joaquin line from Bakersfield (with connection service from San Diego and Los Angeles) and Oakland (with connection service from San Francisco) stops there. Martinez is also on the Capitol Corridor line from San Jose, Oakland and Sacramento (with connecting service from Reno). From Martinez, there are two Amtrak Thruway buses that leave at 10:25 am and 3:25 pm for the six- to seven-hour trip. to the Redwood area.

Two: Since there is no shuttle service in Redwood National Park, you must rent a car to see the entire park. Therefore, the McKinleyville stop at Arcata Airport is the destination of your bus trip. If you arrive before the car rental counters close in the early afternoon, you can choose from the rental companies. If you arrive when the car rental counters are closed, you can take a complimentary shuttle bus to your hotel for the night and return to the airport in the morning to rent your car. There are several hotels in the area that will provide this service. Buses back to Martinez leave McKinleyville at 6:15 am and 10:30 am.

Three: The need to make reservations for the train portion of your trip depends on the service you take. Although Capitol Corridor trains are not reserved, the San Joaquins are reserved trains. Although you do not need reservations for Thruway Motorcoach Connection service, you may be able to receive discounted advance purchase rates or special rates for students and seniors by purchasing your train and bus ticket in advance.

The fictional curve in action

In our last blog, we talked about how you can have “Beginners luck “ forever, being a mannequin. Well, a smart doll, much like our favorite detective, Lieutenant Columbo. If you’ve ever watched the hit TV series Columbo, you know that he was a master at disarming his suspects by looking and acting like a fool. And Columbo always got his killer. You can do the same in sales by disarming your prospects when you play the fictional seller.

Mastering the Dummy curve it takes time and practice. It is a process that develops throughout your career in sales. As you improve with the use of Dummy curve focus, you will accelerate your growth as you learn to reassure your prospects and discover their pain. Let’s take a look at an example of Dummy curve in action:

Carlos is a salesman and works in the heater section of a department store. Carlos is a college student who works during the summer in New England. As you may know, New England summers are quite warm. Not many people are buying home heaters in July. Carlos waits patiently for a customer to arrive, but since he hasn’t had prospects for hours and is tired of standing, he sits down in a bucket to rest.

Finally, an old woman approaches and asks: “Do you have heaters?” Carlos gets off his bucket and says: “Well yes, we do.” He takes her to the heaters and they go through them together. They are reading the boxes and pulling out the instructions. He is learning with her, which strengthens their bond and generates a report between them. Before long, the lady says: “I’ll keep this one. Now where do I pay for it, son?” Carlos says, “Well, a little further; let me accompany you.” You take the heater to the cash register, someone calls her and she goes on her happy way.

Three weeks later, the company calls the department store manager and says: “Hey, your heater sales were up 300% during the same three weeks last year. What’s going on down there?” The manager responds, “Well, we have this boy named Carlos, he sits in a bucket.” Corporate then replies, “Well, send him here to heating school. He’s doing great. Let’s do even better.”

So Carlos goes to heater school and learns about BTUs, heat radiation and much more, increasing his knowledge of heater products. When he returns to the store a week later, he sits back on the bucket, only this time he leans forward. Another old lady walks into the heating department. Before she can even say anything, Carlos jumps out of the bucket and says: “I can help?” “Okay, yes,” she says, taking a step back, “I’m looking for a heater.” “Oh boy, we have heaters!”Carlos says enthusiastically.

Carlos shows him all the products and offers him the dog and pony show, talking about the fifteen different types of heaters that he has in the store. It goes on and on, superimposing characteristics on benefits, bombarding the lady with all the information she learned in heating school. Finally he stops and asks, “Do you have any questions?“She says, “Only one.”Carlos responds, “Yes, what is that?” She says meekly “Will you keep an old lady warm?” Carlos is not sure what to say. Exhausted, the old woman walks away and does not buy a heater.

For the next three weeks, Carlos’s sales have dropped. As you sit on your bucket, you begin to wonder why your numbers plummeted. “I was doing so well,” think to yourself. “Then I went to heating school. When I came back presenting my knowledge of the product, I did worse. Hmm. I’m going to go back to what I used to do at the beginning. Asking a lot of questions, listening a lot, and not talking so much.”

Carlos goes back to doing some of the things he did before the product training, on purpose, like asking questions instead of delivering product and feature monologues. Suddenly you realize that your heater sales are increasing again. Carlos responds to prospects’ questions very politely with his own questions, and in the process discovers the true intent of his questions. Carlos is uncovering the pain. He realizes that more people bond with him and more people buy instead of excusing himself by saying: “I’ll think about it.” He does even more of these “silly” things on purpose and fails to meet the goals of the previous weeks, at which point the corporate office calls him to congratulate him. Carlos discovers that he is not working as hard and is selling more. Pretty silly, huh?

Oh, one more thing: Stay tuned for more information on the fictional curve. In our next blog, we will cover the three stages of the fictional curve.

What is the difference between Microsoft Office and Microsoft Office 365?

Due to the development of the cloud in recent years, where we can now access information remotely with a Wi-Fi connection and run our businesses on the go, products such as Microsoft Office have been developed to meet current demand. Now you can choose to use Microsoft Office or Microsoft Office 365, but is there a real difference between the two?

Traditional MS Office is provided as a download and you get the latest version of the software, usually for a price of around £ 100 more (more if you opt for the full business package). With MS Office 365, the software is provided by a subscription service in which you pay by the number of users monthly, accessing your documents and tools such as Word and Excel through the cloud.

The pros and cons of Microsoft Office

You can get all the usual tools for Microsoft Office and, for the most part, there will appear to be no difference between this arrangement and the MS Office 365 package. You are the full owner of the software and can use it on as many machines as the license allows. The problem is that when you want to upgrade to a newer version, you will have to download and pay for the package, along with the licenses, again.

The pros and cons of Microsoft Office 365

There’s a lot to be said for the subscription service Microsoft Office 365 offers. You can download it on multiple devices, just like you would Microsoft Office, but that’s just the beginning of the benefits.

  • First of all, it provides a cheaper outlay than with MS Office, with monthly subscriptions available starting at £ 3.10 per user per month.

  • You get more for your money with Microsoft Microsoft Office 365 with additional features and capabilities that can make a real difference to your business.

  • You can download it to a variety of devices, including your smartphone, which means you are less reliant on your office computer and can work more effectively on the go.

  • In addition, you get all the necessary updates automatically and you can keep up to date with the new versions and also receive 24/7 support.

The downside to Microsoft Office 365 is that there is little scope for customization, but that shouldn’t be a problem for most businesses. There’s also the security issue – the service is connected to the cloud, which means you can assume the threat level is higher. However, unsurprisingly, Microsoft has invested heavily in robust security systems.

Which one is best for your business?

A large number of SMEs and other companies will see the benefits of moving to a platform like Microsoft Office 365, especially because of the cost benefits. The problem many companies will have is how 365 integrates with their other software and how flexible it is likely to be. The notion of being able to access important things like documents and emails practically anywhere in the world where there is a Wi-Fi connection is also highly desirable in today’s fast-paced business world.

Working through a good cloud service that includes a highly secure hosted email service means there are now no barriers to doing business. You can perform a multitude of tasks from webinars, instant messaging, and sharing documents between teams.

Bring the right IT consulting

It’s not just about signing up for Microsoft Office 365. If you want your business to be completely secure and benefit from a host of web-enabled tools, you need to choose the right IT consultancy that can advise on what your business needs and what features will benefit you the most.