byAlma Abell

When most people think of the word “bankruptcy”, they think of a Chapter 7 personal bankruptcy filing. Under Chapter 7, most of the filer’s debts are eliminated, but they have to surrender some of their assets in order to pay those debts. Read on to learn more about this commonly used chapter of bankruptcy.

Criteria for Chapter 7 Personal Bankruptcy

Under changes to US bankruptcy law, a two-part means test is used to determine if a person is eligible for Chapter 7. Those parts are as follows:


* Ability to repay -; The court plugs the debtor’s income into a formula that excludes necessary expenditures such as rent and food, and determines whether the person can repay at least ¼ of his or her unsecured non-priority debt.

* Comparison to the state’s median income -; The filer’s income is compared to the median in the state. If the person earns more than the median and can pay back 25% of his or her debt as mentioned above, they are ineligible for Chapter 7 and must use Chapter 13 instead.

During the six months before filing, the debtor must consult a credit counselor and attend money management courses to earn a debt discharge. Most filers also consider hiring a Chapter 7 Attorney in Oak Park IL during this time.

Automatic Stays

Once a person files for Chapter 7 bankruptcy, their estate is under an automatic stay, which legally prevents creditors from engaging in further collection attempts without the court’s permission. The stay provides protection from repossession, foreclosure, eviction, wage garnishment and utility shutoff.

The Bankruptcy Process

During a Chapter 7 case, the court will appoint a trustee to work on your estate. The trustee’s job is to ensure that your creditors receive as much as they can get; the more assets the trustee can recover, the more creditors get. The trustee reviews paperwork filed with the court, and asks the debtor questions about his or her assets during a creditors’ meeting.

After the meeting, assets are classified as exempt or non-exempt, and the latter are liquidated. Once the trustee has disbursed the proceeds of the sale of the debtor’s assets, most of the leftover unsecured debt is discharged. The Chapter 7 process usually takes about six months to finish. A Chapter 7 Attorney in Oak Park IL with can recommend the right bankruptcy chapter for your situation.

byAlma Abell

Termites are small but very destructive insects. Once they infest your home or structure, they will cause a lot of damage to your property if not taken care of as soon as you notice them. For their prevention and treatment, termite control in Oceanside offers the best options and services. Listed below are some of the most common methods used to control and prevent termite infestaion.

Chemical Methods of Control: In chemical control of termites, there are several methods used and each is effective in its own way. They include:

•Termite Baits


The most effective way to bait termites is by first inserting a non-baited wood in the termites feeding spots and then later replace it with baited wood. It is usually dipped in a slow acting insecticide which after being fed on by the termites eliminates them.

•Wood treatment

The wood is sprayed with termiticides before or after construction to keep the termites away.

•Convectional Barrier System

The soil around your structure is treated. This method should be carried out by a professional because any carelessness might be risky to humans and the environment.

•Termite Fumigation

This is the use of a gas which has sulfuric fluorite as its active ingredient. The house or structure is tented before the gas is sprayed to ensure full penetration. This gas is very toxic and may cause death to humans. The fact that it is colorless and has no odor makes it very risky. Experts however use it together with Chloropicrin and tear gas so that its presence can be noted. Chloropicrin causes eyes respiratory system irritation. After the required period, the tent is removed so the gas may leave the house. Proper equipment is used to detect traces of remaining gas. This method of termite control should strictly be carried out by professionals, and they should use self Contained Breathing apparatus.

•Extreme Heat

The house affected is tented then extreme heat pumped in raising the temperature of the woods affected. The heat effectively destroys the colonies in big numbers.

By Lisa Steinway

If you are planning a holiday to Europe this summer, whether you are going to London for the Olympics or cruising the Mediterranean, the first place to check is online discount travel sites. You will get an overview of many options, and be able to compare airlines, times, fares and schedules to find a flight that suits your budget and schedule. Another advantage of booking through an online travel discount site is that many offer lowest-price guarantees, and others offer price-drop protection. Whether you find the same trip at another site for a lower fare, or the price of your itinerary drops after you book, you can rest assured that the difference will be credited and you have made the best deal.

Air Transat is a non-scheduled carrier that flies from Canada to sixty destinations around the world. They are a vacation provider, flying their own fleet of aircraft and are one of the most ecologically responsible airlines in the world, having been recognized by international organizations over the past few years for initiatives taken to reduce its environmental footprint.


For flights to Europe, Air Transat is a good choice. They are experienced in providing travelers with a comfortable and trouble-free experience. Air Transat also offer one-way tickets to Europe, so that you can wander and extend your adventure as long as your pocketbook or timeframe permits, and when you’re ready, book a return flight. This takes some of the pressure off when you just want to wander and follow your nose. For the free spirit, this is a great option as you can take your time without being tied down to a timetable, and stay at that little charming Inn in Tuscany as long as you like.

For round-trip flights, Air Transat offers schedules that range from seven to twenty-eight days. During the Summer Olympics in London, Air Transat will be flying to London daily from Toronto, and six times a week from Vancouver. They also fly to London from Montreal, Calgary, Halifax, Ottawa and Edmonton. Another advantage of flying with Air Transat to Europe is that you can fly into one city, and depart from another. Whether you rent a car, or travel by rail through Europe, this makes it easy to explore and see what you want in your own time, customizing your holiday just for you.

The flexibility offered by Air Transat in making holiday plans makes it a favourite for Canadian travelers. Having years of experience as a vacation provider means that you not only have many choices of destinations, but can rely on the partnerships that Air Transat has formed with hotels, car rentals, and tourist agencies in destination countries. It is easy to add a car to your flight when you are booking, and know that it will be waiting for you when you arrive. When you are planning that big trip, check out the variety at Air Transat. Whether its Istanbul or Athens, Air Transat can get you there and back home again on your terms.

About the Author:

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Filled Under: Car Dealer

By Janice C. Lim

Do you have what can be called a ‘baker’s Midas touch’? Does every bit of sticky dough, every sprinkle of snowy flour, every dash of confectioner’s sugar, every last swirl of icing turn into gold as soon as you’re finished with it? Do your friends constantly praise the scrumptious cakes you come up every birthday, Christmas or holiday – and do your children, along with theirs, can’t help sticking their little fingers in for a taste of your heavenly icing? Then you just might have what it takes to start an online cake selling business! Selling homemade cakes online not only requires that special talent in cake-making, but also in marketing your products online!

What would be the advantages of having an online cake selling business? The biggest thing would be the definite lessening of needed capital just to start the business. Imagine: no need to rent a place to set up your own walk-in bakeshop – all you need for the business would be your personal kitchen at home, with your existing ingredients and tools. Of course, to keep an edge over the competition, you may have to buy more efficient equipments for your baking needs, and better, higher quality ingredients for your future cake sales. Starting out selling cakes online is definitely more cost-efficient than setting up your own bakery.

After ensuring that you have everything ready and waiting for cake orders, then it would be best to plan out and accomplish your homemade cake website. This would be where your future clients log in to preview all your available cakes and other goods. You don’t have to hire a professional web designer for your website – but make sure that the site is easy to navigate and the pictures available are not only attractive, but also accurate. It wouldn’t do your business any good if the finished, delivered product is very different, and worse, inferior to the pictures on the site. Allowing this to happen greatly decreases your business’ credibility and even your future clients.


Clients and cake buyers nowadays have learned to effectively utilize the breadth and width of the Internet’s uses, especially in online shopping. Think about it: it’s definitely way easier for them to pick one from the cake pictures on the website and place an order. Everything’s finished in just a matter of minutes, unlike if they had to travel out to the town or city bakery just to order a cake. In your case, however, if you’re limited to close by orders, then there’s no problem in delivering them personally home after you finish. Delivering to farther places might require you to strike a deal with a delivery company.

Working and enjoying at the same time is often a difficult feat, but with the right balance, you can just make money out of the activities you love doing. An additional tip can be to take personalized orders, complete with the client’s requests and suggestions. Doing so will establish more rapport between you and the client, possibly enabling him/her to come back for more, and telling his/her friends about your exceptional service. Well, make sure that your cakes are exceptional too. This way, ordering your cakes online will be a happy experience for your client too.

About the Author: Metrocakes a leading bakery in Singapore retailing innovative

Mini Cakes

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Cakes Online



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By Jason Uvios

Be it the hot and scorching summer months or the cold and chilly winter months, it is hard to imagine life without an air conditioner. There are several issues that we need to consider before buying an air conditioner. This would include the make of the air conditioner, the capacity of the air conditioner, the room you would be installing it in, etc. There is also the issue of efficiency of an air conditioner linked to the choice you make.

The efficiency of an air conditioner is important to many people as the running costs of an air conditioner is generally pretty high. With a lower efficiency air conditioner, these costs could sky rocket. However, there are a number of things we can actually do to increase the efficiency of the air conditioner.

The first thing that we need to do is take proper care of the device. Maintaining the air conditioner and its different parts in prime working condition ensures that the unit will work at its optimal level and be more efficient.


Similarly, if we keep the room from heating up too much from the rays of the sun by drawing the curtains, we can further increase the efficiency of the air conditioner.

Another very effective way to increase the efficiency of an air conditioner is by adjusting the thermostat levels of it. By setting it at proper levels you can save significant amount of power consumption. During the summer months try and adjust the thermostat levels at 78 degree Fahrenheit or higher. If you adjust at any lower temperature, you will be spending about 7% extra on your electricity bills for every additional drop of Fahrenheit degree temperature.

Similarly during the winter months adjust your air conditioner’s thermostat level at 68 degree Fahrenheit or below it. This will again save you a lot of power consumption and hence cooling costs.

If you are not used to such temperature in either of the seasons, then it will take time for you and your family to adjust. Don’t just rush into it. First let your family know why you are adjusting the thermostat levels. Then reach the level gradually by changing the thermostat temperature every day by a degree. This would help you and your family to acclimatize better. And in no time you will be saving a lot of extra bucks on your electricity bills. You can even plan for something with those extra dollars to reward yourselves for sticking to the plan.

About the Author: Adjust the Thermostat Levels to Increase the Efficiency of the Air Conditionerbest air conditioner, window air conditioner and air conditioner repair.


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Filled Under: Epoxy Flooring

By Ryan Pauline

Nowadays, almost everyone is aware of just how important a credit score is. This is why more and more people are making sure to check their credit scores with the aim of improving it in preparation for a loan. Unfortunately, most people are detracted by the fact that most credit bureaus demand payment for a credit score. As a result, there is an endless supply of debtors who are looking for ways to check their credit ranking for free. This is where Credit Karma free credit score review comes in, a site which provides accurate results without spending a single cent.

Credit Karma

The site has become popular over the years not only because it provides what people want for absolutely nothing, but also because of the speed and accuracy of the results. Credit Karma gets its data from three reliable credit bureaus for added accuracy. At the same time, the website itself is well made and is very easy to use. In fact, some Credit Karma free credit score review rates it as one of the best sites to get credit ratings for absolutely nothing. The site runs with the help of advertisements, making the ‘no hidden charges’ deal possible. Credit Karma also offers a ‘no credit card’ service, allowing users to check their credit score without actually giving away credit card number information. Additionally, the scores are automatically compared or ranked in a larger scale, giving users the idea of how their ratings measure up with others.



In some of the Credit Karma free credit score review, users have complained that the site cannot find their credit history. The fact that Credit Karma also doesn’t use the FICO scoring system is a big disadvantage for most users. This is because most lending institutions utilize FICO to assess credit scores. As mentioned above, the service does not require a credit card to work. However, personal information is still required by the system for verification purposes as well as checking credit history against bureaus.

Getting a Good Credit Score

One great thing about Credit Karma is its credit score simulator. As most people know, there are certain factors that are used by creditors to determine how a person rates. With the use of the simulator, a user can change different variables and watch how these affect their credit score. Ultimately, the simulator allows debtors to see exactly how their different financial decisions would affect their score in the future.

Importance of Credit Scores

Although the Credit Karma free credit score review does not provide a perfect simulation of one’s credit ranking, it is a good way to get a glimpse of one’s financial situation. Contrary to what most people think, a bad credit score doesn’t prevent one from getting a loan. The problem is that the loan would be riddled with large interest rates to the point that it would be unreasonable. On the other hand, by getting and maintaining a good credit score, debtors have better chances of getting lower interest rates on their loans, thereby saving money in the long run.

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Everything About chelation



The word “chelate” means hold onto. The main agent of this process is EDTA. It binds itself with these heavy metals that get deposited in the arteries and blood vessels and helps in removing these from the body thereby bringing the essential nutrients to the starving tissues of the body. Thus even helps in Peripheral arterial disease, a disease a person’s life is troubled with pain and disability.


Using certain chelating agents toxic materials, minerals and metals from the body can be removed. The agents form a bond with these heavy metals resulting in encapsulation of the metals with the agents. Afterwards these agents are being released out of the body through the urine. One of the most identified toxins is Arterial Plaque. This is done to avoid the plaguing of arteries and preventing from heart attacks. There are a number of chelating agents being used now-a-days, commonly used are Ethylene Diamine Tetra Acetic acid (EDTA), Dimercaptosuccinic acid (DMSA), Dimercaptopropane Sulfonate.

The chelate forms a reversible ionic bond with the toxins. With this intact bond being formed they are then passed into the digestive system and are then excreted out of the body. The toxins are not neutralized in this process and there is a probability that they get attach to other cells on their way out of the human body. Thus even proves that removing these heavy metals is not at all full proof. Not only this, sometimes these heavy metals sometimes take away some of the important nutrients and minerals with them.

Clathration is the only solution that does not possess any of the above disadvantages. In this process this substance like PCA-Rx forms a three dimensional network all around the heavy metal almost in the form of a capsule. This helps in its neutralization and thereby no contact with other minerals takes place. This is then flushed out of the body. As these toxins are flushed out there are negligible chances of re-infecting the body. This solution is helpful in removing heavy metals poisoning like lead and mercury.

A long ago EDTA Chelation was a really long and a tedious procedure and a really expensive too. This sometimes costs in the range from 3000 to 6000 dollars in totality. Several people even were not able to afford it. This results that those people lose their legs, limbs and sometimes results in loss of lives. But today one can manage the treatment at one’s home and one place a order for that and it takes 1-2 minutes every evening to the treatment.

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Everything About chelation }

Filled Under: Disability

Weight Loss Surgery and Alcohol: Tread Carefully


Appshouter LLC

Weight loss surgery is designed to limit how much a person can eat to reduce their daily caloric intake, but it can also limit how much alcohol a person can drink before becoming intoxicated. For this reason, post-operative weight loss surgery patients are wise to limit how much they drink when the occasion arises.


For gastric bypass patients, the effects of alcohol are especially rapid. The new stomach design reduces the bodys production of alcohol dehydrogenase, an enzyme that metabolizes alcohol. In addition, with the bypass, alcohol is transferred to the blood stream much more quickly. This means that one drink can be enough to legally intoxicate some gastric bypass surgery patients who used to have a higher tolerance.

Lap-Band patients do not experience effects as dramatically, since the Lap-Band procedure does not impact their bodys production of the enzyme. For the most part, gastric banding patients process alcoholic beverages in same way they did before surgery, says Minnesota Lap-Band surgeon Dr. William Lee.

He notes, however, that alcoholic beverages are still a source of empty calories, regardless of the type of weight loss surgery procedure someone has had. Wine, beer and liquor offer no real nutritional value, and they also break down vitamins. Since they are liquid, they pass into the bodily easily, no matter how the stomach has been restructured. So for people who are trying to keep track of calories and make progress with shedding pounds, regular alcohol consumption can be a real hindrance.

Equally important is the issue of addiction transfer, which occurs frequently among weight loss surgery patients. People who once used food as a way to manage uncomfortable emotions suddenly find themselves unable to pursue their food addiction after bariatric surgery, and they find another addiction to replace it, such as alcohol, drugs, smoking, shopping or sex.

An estimated 70 percent of weight loss surgery candidates are addicted to food, says Katie Jay, director of the National Association of Weight Loss Surgery, and 7 percent of them develop new addictions after their operation. This low percentage, of course, represents the people who admit they have a problem.

What happens is, some people call it a hole in their soul, but theres something there, Jay said during an interview at the 2009 American Society for Metabolic and Bariatric Surgery Conference. We use food to manage our mood and all kinds of things. After surgery, you lose that coping skill, and some people need something to replace that.Weight loss surgery

patients often find they have a much lower alcohol tolerance after surgery than before.

Minnesota Lap-Band

specialist Dr. William Lee works closely with his bariatric patients to ensure they have adequate support after surgery to avoid issues like addiction transference.

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Who is Covered by the Longshore and Harbor Workers’ Compensation Act?


John Bradley

The LHWCA covers workers employed in traditional maritime activities including longshoring operations, harbor work, stevedoring, loading and offloading of vessels or products transported by vessels, ship repair, ship construction, general maritime construction. Special categories of workers are specifically excluded among these are: the master or member of a crew of any vessel; persons involved in the loading/unloading/repair of any small vessel under eighteen tons net; U.S. government employees; clerical, secretarial, security, data processing staff; marina employees not engaged in construction or expansion of the marine; and persons temporarily working on the premises of a maritime employer who are not engaged in work normally covered under the act.

Longshore Harborworker Negligence

If a worker is injured due to an unsafe condition on a vessel to which he is assigned, or due to the negligence on the part of that vessel, the worker may bring a negligence action under Section 905(b) of the Longshore Harbor Worker Compensation Act. Furthermore, the Longshore Harbor Worker Compensation Act employer shall not be held liable to the vessel for claims pursued by an injured employee. Longshore Harbor Worker Compensation Act employers have a right of subrogation for amounts paid to the injured worker to satisfy the employer’s duty.Section 905(c) outlines an exception to the prohibition against indemnity agreements between Longshore Harbor Worker Compensation Act employers and vessels.


It does not void certain indemnity contracts between Longshore Harbor Worker Compensation Act employers and vessels operating on the Outer Continental Shelf Section 905(c) provision applies to employers whose employees are entitled to benefits under the Longshore Harbor Worker Compensation Act pursuant to the Outer Continental Shelf Lands Act (OCSLA”). The provision is a reciprocal indemnity provision of a knock for knock agreement. Basically in this scenario, the employer and the vessel owner each agree to pay for claims against the other brought by their respective employees. In this event, the employee, working on the Outer Continental Shelf, who is injured on a vessel that has an indemnity agreement with the Longshore Harbor Worker Compensation Act employer, has no real chance for recovery against the vessel for its negligence in causing injury to the worker because the employer is ultimately paying the injury claim.

In addition to the 905(b) negligence claim against vessels for injuries sustained by workers covered under the Longshore Harbor Worker Compensation Act, the injured employee may also bring a claim against a responsible non-vessel third party in tort for damages arising from the injury. However, in the case of non-vessel owners, injured workers may run into situations where the Longshore Harbor Worker Compensation Act employer has contractually agreed to indemnify the non-vessel party for any claims asserted by a maritime employee.


In a longshore claim, disability means an inability to earn pre-injury wages. Injured workers may receive compensation in four categories of disabilities. These are permanent total disability, temporary total disability, permanent partial disability, and temporary partial disability. Benefits are paid every two weeks and are based on a percentage of the injured employee’s pre-injury average weekly wage. The weekly payment amounts are adjusted annually on October 1st, based on the national average weekly wage.

Benefits for temporary partial disability is paid at a rate of two-thirds the weekly wage loss, based on loss of earning capacity. Permanent partial disability payments are intended to compensate the injured employee for the permanent loss of a body part or bodily function. The compensation for such a loss is based on a pay out schedule specified in the Longshore Act. The schedule assigns a certain number of weeks of compensation the injured employee may receive for the compensable loss.

The Longshore Harbor Workers’ Compensation Act is a federally administered program providing wage compensation and medical benefits to individuals who sustained injury or contracted an occupational disease while employed on a navigable waterway or the adjoining areas that are primarily involved in the loading, unloading, repairing or building of a vessel. In the event of death, the LHWCA provides for compensation benefits to be paid to the employee’s dependents.

No matter where you live, the maritime lawyers and maritime attorneys at the Ogletree Abbott Law Firm are here to provide you with the help you need. If you would like, a Jones Act lawyer or a Jones Act attorney will speak with you with no obligation, free of charge. Call us toll free at 1-800-Jones-Act (1-800-566-3722), or email us at Don’t wait, call today and speak with our

Jones Act attorneys


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Filled Under: Disability

Submitted by: Mandi Pardley

The rise of Facebook, Twitter, and YouTube, three of the largest social media sites in the world has intensified the debate of SEO vs. social media . Five years ago or even shorter, search engine optimization (SEO) would clearly be the eventual preference by most internet marketers. However, a lot of things have changed since then like the explosion in popularity of social networking sites such as Facebook. Social media now is a major player in the internet. It’s up there on the highest ranks together with search engines like Google, Yahoo, and Bing. There might even come a time when we’ll witness social networking sites surpass search engines when it comes to the amount of daily traffic they generate.

Speaking of their effectiveness as internet marketing tools, both SEO and social media have their own share of advantages and disadvantages. So it is not very practical to say SEO is better than social media or vice versa. First of all, they both operate differently and they are used by online users in a variety of ways. Comparing them against each other is therefore not very productive. It’s like comparing a fruit to a vegetable.

Anyway, let us look into the most basic attributes of each marketing resource. Let’s start with SEO.


Search Engine Optimization (SEO):

lAs the name implies, this is about optimizing your internet properties for the search engines. The main goal of SEO is to boost the rankings of a web page in the search results. There are hundreds of ways on how SEO is done. The most popular of these are keyword research, keyword integration, link building, article marketing, local search marketing, and of course the creation of high quality content.

lSEO is known for its unpredictability. The SEO tactics that work today may not be that effective tomorrow. This is due to the fact that the search engines are constantly changing their algorithms. Dozens of these changes are implemented every single year. If you really want to be a successful and effective SEO practitioner, you have to keep yourself updated of these regular changes. This way you can revise your strategies to adapt to the newest developments.

Social media marketing:

lIt’s no secret that social networking sites are all the rage these days in the internet. The perfect proof of this is the unstoppable growth and popularity of Facebook which a few years ago was just a little site where university students connect and converse. The site has now grown to a huge company boasting of over half a billion registered members. It’s not clear how many of these are actually active users. Still their numbers are staggering. This is of course for Facebook alone. Bring into the picture other social sites like YouTube, Twitter, and LinkedIn, and we’ll be talking about over one billion people interacting in social media sites.

lA lot of online entrepreneurs are encountering difficulties in how to use social sites as marketing vehicles. This is understandable given the fact that social sites aren’t meant for businesses. They are meant to be places where people can connect and have conversations with each other. Therefore, the best way to market yourself or your business on these sites is to make yourself the topic of conversations. It doesn’t sound like marketing at all but it still serves the purpose of drumming up awareness about you and your business.

When every thing’s been said and done, there really is no point pitting SEO vs. social media. Both are great marketing vehicles and if you are a smart online entrepreneur, you should be focusing your attention to not one but both of them.

About the Author: Mandi Pardley is the sales coordinator at Smart SEO and works to ensure SEO is used efficiently in clients marketing campaigns and she works with clients to devise the appropriate course of action. Smart SEO is based in Lancashire for the past 5 years.Ranking Solutions are able to offer you the very best in

services which will enable your business website to rank highly and gain more visitors.


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