It will be a lot harder to file bankruptcy under chapter 7 and get a totally clean slate. For businesses, relying on issuing credit, the new personal bankruptcy law is doing great, reducing personal bankruptcy claims from the thousands to double digits (in the short run). However, lawyers working with the actual people filing for bankruptcy say that the new law is seriously flawed because it puts more financial burdens on already broke clients and reduces potential debt repayment to small businesses. And then of course you have the credit card companies charging high interest rates which in quite a few cases caused the bankruptcy in the first place. According to some financial specialists, much of the debt people accumulate is a result of keeping up with the Joneses and not thinking ahead. For 80 of clients counseled each month, the debt is credit card related and averages $32,000 a result of six to eight cards. Consumer credit organizations say the new law provides debt reducing strategies for those considering filing bankruptcy and curbs abuse. Under the new law it has become a requirement that the person filing bankruptcy obtains credit counseling both before and after filing for which that person will be charged. So now the consumer would then know the advantages and disadvantages of declaring bankruptcy. Yet it seems merely another expense for an already financially stressed individual. People filing bankruptcy in general are not overspenders, but merely faced with temporary financial disasters such as medical costs, layoffs, a divorce, gambling debts or other crises. Trustees office. This credit counseling is designed to help you determine whether or not bankruptcy is appropriate. Once you complete your bankruptcy, the law requires you to attend another credit counseling session. These are new requirements, before this law was passed the law did not require a person to go through counseling either before or after the filing of bankruptcy. Second, under the old law, a person could decide to file under Chapter 7 or Chapter 13. Under the new law, the court will look at your monthly income and apply a means test relating to the state in which you live. If your income is less than or equal to the medium income then you will be allowed to file Chapter 7 which in effect will give you a clean slate. This medium income can vary from $28,000 in Missouri to $56,000 in Alaska. If your income is greater, you may be forced to file Chapter 13 unless you can demonstrate you do not have enough disposable income. Under Chapter 13 you will not get a clean slate but will have to make payments on your debts. Also, your attorney now has to personally certify that your bankruptcy filing is accurate. This means more work for the attorney, with higher legal fees. Advantages of declaring Bankruptcy: Legal protection from creditors Takes care of all or most debt In some cases, can keep home and car May stop complete financial ruin Provides a fresh startBad credit May have to repay partial debt load and return collateral to creditors May lose assets, including house and car (If the house is worth more than a certain amount) Bankruptcy becomes public record, and Remains on credit record for seven to 10 years "In the past, a bankruptcy offered a fresh start for the filer," said Columbia attorney Gwen Froeschner Hart. "The new federal legislation offers language directed at helping creditors." If you analyze credit card expenses for most people you see that they often include medical bills and day to day expenses for the elderly or those earning low or fixed incomes. Nike Roshe Run Men Royal Total Orange Quilted ,Men Nike Free Run 2 Black White Purple Anthracite Nike Roshe Run Men Grey Solar Red Men Nike Free Run 4.0 Dark Grey Reflect Silver Total Orange Men Nike Free Run 2 Black Gym Red Quilted Nike Roshe Run PRM Women Red White Sail Quilted Women Nike Free Run 3 Total Orange Silver Platinum Volt Nike Roshe PRM Women Aubergine Sail White Electric Green Men Nike Free Run 4.0 Dark Grey Reflect Silver Total Orange Nike Roshe Run Hyp Women Black Pink Just when you finally have your best golf shoes broken in, you notice that they are beginning to look a little shabby. Knowing how your equipment affects your handicap, you try to squeeze just a few more miles out of your golf shoes before starting over with a new pair. Inspect your golf shoes to determine if they can be repaired by mortal means. If the shoes are worn out to the point that they no longer provide support and comfort, their retirement is imminent. If, on the other hand, the shoes have a portion of the sole that has separated from the shoe, a toe cap with a torn seam, or a foot bed liner that won't stay in place, you can probably do the repairs yourself. With the right glue and some simple tools, you can revive your old golf shoes to last at least another season. Kinds of Glue to Repair Running Shoes Nike Roshe Run Men Royal Total Orange Quilted,And the people back in the office here, some of whom are wearing running shoes with the ubiquitous Nike ''swoosh'' trademark, are just as casual. Nike may have the atmosphere of informal after work jogging. But it's really a supercharged Olympic competition of motivation and creativity. These people are serious about becoming No. 1 in the world sports shoe market. Their appetites must be enormous. When founders Phil Knight and Bill Bowerman launched their own athletic shoe line in 1972 after several years of partnership with a Japanese firm, the first year brought sales of $1.96 million. In 1981 Nike US shoe sales reached $399 million a 63 percent increase over the previous year. Overseas revenues were up 56 percent to $25.8 million. Nike also reported substantial growth in children's shoes sales and its new apparel line. Nike sales raced past those of the German based Adidas in 1979 to become the top selling athletic shoe in the US. The company is now expanding and experimenting on a grand scale, with an eye on the world market. In fiscal 1981 Nike shoes were distributed in 30 foreign countries. The firm is unleashing its best and brightest on the tough to crack European market. Manufacturing plants have been set up in China, and Goldschmidt recently visited Brazil to discuss manufacturing for export there. Dennis Rosenberg, a securities analyst for Oppenheimer Co. in New York, rates Nike as a ''tremendous success.'' ''They have doubled their size every year for the past five years,'' he points out. Gains might be a little lower this year. Mr. Rosenberg predicts a 45 percent revenue increase for the fiscal year ending in May. People at Nike say their key to success among runners and tennis players springs from an understanding of what it is like to be an athlete. That seems entirely plausible in a company where managers wear running suits to the office. But the corporation's success seems to come from elsewhere. Nike was started as a family business. Phil Knight ran track under Bill Bowerman at the University of Oregon. Early employees were often Knight's friends. That family atmosphere has been retained somewhat. Chang, formerly an architect in New York, now a Nike vice president. ''Knight looks not at education and training, but for a specific kind of person,'' says Tim Renn, a Nike spokesman. A common denominator among personnel is a great love for sports and a competitive spirit. But many of the staff are trained accountants, Goldschmidt points out. ''They know how to read a balance sheet. They are not just good times guys.'' Nike has relied little on conventional advertising, banking heavily instead on grass roots level promotions such as Nike sponsored track meets and marathons. Nike also gives shoes to school and professional teams and supports a track club, Athletics West, for athletes who are out of school. ''We spend three times more on promotions than on ads,'' says Goldschmidt. One such promotion put John McEnroe into his first Nikes when he was a hot college tennis player. ''It was not when he was already the best in the world.'' The firm also gets involved in sports politics. When the boycott of the Moscow Olympics was proposed after the Soviet Union's invasion of Afghanistan, Phil Knight went with runners to the Denver meeting of the US Olympic Committee to lobby against a boycott unsuccessfully, as it happened. And Nike was involved in getting a women's marathon included in the Olympics. It is to be run starting with the 1984 games in Los Angeles. ''It's our way of putting something back into sports,'' says Mr. Renn. Nike's thrust into the rest of the world is determined. Nike owns distributorships in Japan, Sweden, and Britain, among other places. But the toughest spot for Nike will be Europe, where both Adidas and Puma are firmly entrenched. Dennis Rosenberg of Oppenheimer admits that if Nike has a weakness, it is in European distribution and marketing. ''I think they will find it more arduous than they thought.'' Nike's strategy will be to first establish itself in the running market before tackling sports like soccer, where Adidas and Puma hold a strong advantage. How can Nike possibly compete with firms that have most of the major European soccer teams wearing their shoes? Goldschmidt, whose expertise hasn't been in international marketing, either isn't giving any secrets away or else isn't quite sure. He simply crooks his eyebrows and smiles.
Exactly Where Can Provide You Fantastic Cheap Nike Roshe Run Men Royal Total Orange Quilted,Women Nike Free Run 3 Wolf Grey Prism Blue Volt Golf shoes are a must have piece of kit for any golfer and as essential to the game as clubs and balls, in fact most golf courses wont let you set foot on the fairways without them. Consider this; during a round of golf you could be walking 4 to 5 miles 4 hours on your feet. Can you really afford not to have a good pair of shoes? I know I have had more unpleasant golfing related blisters due to poor fitting shoes than I care to remember. To help golfers everywhere avoid the trap of poor fitting shoes I have put together a few things to remember when choosing your next pair of golf shoes. Before selecting a size, measure both feet. If you get different measurements, then choose the size that fits the larger foot. When you try new golf shoes, wear the kind of socks that you intend to wear with your shoes. This one might sound obvious but I have been caught out by this once. Test your shoes by standing on one foot at a time. Wiggle your toes and stand on your tiptoes. Shoes should bend at the same place where your foot naturally bends. Golf shoes should fit tighter in the middle portion of the foot than other shoes. This area offers the most support while swinging. The middle portion of the shoe will stretch over time. Be sure that you have one half inch of space from the end of your big toe to the tip of the shoe. Keeping your feet warm and dry Depending on the conditions you play in, you may want to consider a waterproof shoe. Waterproof shoes are more expensive, but they are much more comfortable in wet conditions. Look for a good warranty; some manufacturers offer a 2 year warranty. Leather uppers are the best for providing support and waterproofing. Shoes made of synthetic leather are less expensive but do not breathe as well nor do they offer as much waterproof protection. Last, but not least, choose the style of shoe you feel most comfortable wearing. Golf shoes come in more options today than ever before and include traditional saddle, trendy styles, athletic styling and even golf sandals for those that take the laid back approach to the game. Nike Roshe Run Men Royal Total Orange Quilted VCs boys win a league title in coach Joel Sobotka's first year PORTLAND The Valley Catholic boys basketball team is determined to take it one day at a time, one game at a time and one opponent at a time. That said, it was hard not to look a little ahead after the Valiants beat Portland Adventist 60 31 on Tuesday night at Portland Adventist Academy to clinch the Lewis Clark League championship in coach Joel Sobotka first year. The second ranked Valiants, 13 0 in L play (17 3 overall) and second ranked in Class 3A, have just three games left in the regular season, then a Feb. 16 berth in the L title game and the Valiants hope a long and successful run in the state playoffs. always just focus on the next step, said Valley Catholic senior wing Liam Cassidy, who tied Gabe Taylor for game high scoring honors on Tuesday with 13 points. key is that this team is really unselfish. We move the ball really well and we have great chemistry on and off the court. We a really well bonded group of guys. unselfish, agreed VC junior guard Jarrett Gray, who added 11 points on Tuesday. share the ball and look for one more pass to find the open shot. We believe in our team as a whole. Portland Adventist, the fifth ranked team in the state, fell to 9 4 in league play (14 5 overall). The start of Tuesday game was a back and forth run and gun affair that saw the Cougars draw even at 6 6 when Ryan Halversen hit a left handed shot in the lane with 5 minutes, 5 seconds left in the first quarter. But Valley Catholic answered with a 12 4 run over the next 3:48 that included a Cassidy fastbreak hoop, a Gray steal and breakaway, another fastbreak basket from Cassidy assisted by Carter Buuck, and two Kazuma Lane three pointers, the last of those making it 18 10 with 1:07 left in the period. PA closed within 22 18 on a Brett Wilson inside hoop with 3:00 left in the half, and were still down just four points after VC Canaan Sellers and Martin Chinn traded three pointers. But Taylor converted a three point play with 1:35 left in the half, and the Valiants just flat put the game away in the second half. The Cougars moved within five points at the start of the second half when Halversen scored on the break to make it 27 22, but from there, the Valiants took off on a 13 0 run that gave them complete control of the contest. In that stretch, Valley Catholic held the Cougars to 0 of 6 shooting from the floor and forced three turnovers, while their offense took off. Cassidy scored on a reverse to get things started, Gray added a fastbreak hoop and a three pointer, Buuck hit from the baseline, Gray knocked down a jumpshot from the left side, and Tysen Prunty took a Gray pass on the break and converted to push VC lead to 40 22 with 4:20 left in the period. Cassidy buried a late in the quarter to extend VC lead to 45 25, and the Valiants closed things out in style with a 13 2 edge in the fourth quarter. been preparing for them all week, Cassidy explained. like to throw it up the court and get out and run and we been ready for that. Coach made sure we were ready to get back on defense.
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