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Medical Bills and the Reality of Bankruptcy

The prospect of filing for bankruptcy protection is never appealing. But that does not mean that it is never the right choice. Much of the negative view of personal bankruptcy is wrapped up in social mores and pretenses, spurred along by a healthy dose of misinformation and misunderstanding about the law and the legal and financial implications of filing for bankruptcy. Though it would, of course, be preferable to you and your creditors if you were able to satisfy the terms of your repayment agreement, the economic pressures of life can prevent that, even if you have the best of intentions.Certainly, an individual has a degree of financial responsibility and culpability in the matter. Willfully and knowingly making purchases with the intent to defraud creditors is inexcusable and may be punishable by criminal and civil actions. Additionally, it is advisable to maintain an open dialogue with your creditors so that you can attempt to keep them informed about your ability or inability to make specific payments. When this becomes impossible, however, bankruptcy may offer the most beneficial path to resolution as it grants your creditors partial satisfaction of a debt and it frees you from lingering financial obligations. Medical bills are by far the most common debt to trigger a personal bankruptcy filing.Costs and ConsequencesThe news media and political agents in the United States devote significant attention and discussion to the high cost of healthcare in this country, and as anyone who has had to shoulder medical bills without health insurance can attest there is plenty to talk about. The complex scheme that presently exists, under which insurance companies and medical professionals both have an incentive to overcharge patients and to perform unnecessary tests and procedures has turned even the simplest visits into thousand dollar nightmares.If you find yourself in need of more substantial medical treatment or care, then it is not out of the question for your medical debt to surpass your student loan or mortgage debt in terms of total value. There is no way that the average person can afford to pay for such expensive care out of pocket, but there is little in the way of forgiveness emanating from most healthcare service providers. A sample of the average 2005 cost of several common procedures can illustrate this quite clearly:
Tonsillectomy — $12,355
Cardiac Stress Tests — $15,691
Circumcision — $5,057
Fracture or Dislocation of Hip or Femur — $35,545
Amputation of Lower Extremity — $52,306
Knowing Your OptionsWhen you are faced with a seemingly insurmountable medical debt, it is easy to panic. But the longer you take to choose your next step, the direr the situation will become. Knowing your options is valuable, and the Arizona bankruptcy lawyers of the Harmon Law Office, L.L.C., can help to ensure that you are fully aware.

Advantages of Outdoor Lounge Furniture

Purchasing furniture for your garden is not something that you should do on a whim as there are so many different types out there. Once the choice of outdoor furniture was very limited which made buying this furniture very simple and straightforward. However today as manufacturers realise that people value spending time in their gardens they want to provide consumers with much more choice. If you have moved to a new home or have recently finished altering your garden you may be looking for new outdoor furniture. To help you to make up your mind here are a few types of furniture for outdoors that might be of interest to you.Wicker furniture and rattan furniture – these are two different types of furniture that look really great in the garden. Not only do they look stylish they are also in keeping with a natural feel when they are used outside. This is due to the fact that both wicker and rattan are made from wooden strips that can be hand woven together to create the backs and seats of chairs. So if you are looking to create a really natural look in your garden this is the kind of furniture that you should be thinking about. Before you buy it however make sure that you are buying quality items that are suitable to use in your backyard or garden.Furniture that has an aluminium frame is ideal if you will be moving the furniture around in the garden. As you would think this kind of furniture is very lightweight and is also all weather. It can be much cheaper than some of the other types of outdoor furniture that are available, so it is a good choice to anyone who is shopping on a budget. Furniture the garden is made from aluminium will also look very modern and is easy to maintain. To make this type of furniture even more comfortable you can purchase cushions that you can put on the seats of the chairs.When you are buying outdoor furniture you should think about where it will be kept throughout the year. Some people will keep their furniture outdoors all year round and others will take theirs into the garage during the wetter months. If you do not have the space to store furniture in your garage or home at certain points of the year make sure that you choose all weather furniture. You might want to invest in cover to put over your furniture at certain times simply to keep it looking good.Finally you should never forget about providing some form of protection from the sun while you are in the garden. Everyone should have UV protection while they are outside as the sun can be very damaging. While everyone knows about using sunscreen while they are in the sun it is also very good idea to create shade in your garden. Do this with a sun screen or umbrella that you can position over your garden table or over your garden chairs.

Online Debt Consolidation For Convenient Debt Recovery

There are a number of online debt consolidation programs available on the internet. They help individuals research, apply, and use debt reduction programs in order to take charge of their debt. All of it can happen through a series of mouse clicks and keystrokes.A debt consolidation loan is, simply put, a loan that pays off all of or many of your debts so that you are paying only on the one loan versus several. Much of the time, you will be able to pay less and get out of debt faster while doing nothing to harm your credit rating. An online debt consolidation loan will allow you to not only obtain the loan, but will also provided added support for getting out from under large debt. Once you have secured your online debt consolidation loan, you can start making your payments on line as well by using your checking or savings account number to wire the money into your new online debt consolidation loan.By going with an online debt consolidation loan, rather than walking into a traditional bank can save you a lot in the way of time. You will be able to fill out the proper documents, apply for the loan, get an answer, and get your debt consolidated all from the comfort of your home. With an online debt consolidation loan, you can get control of your debt and avoid the hassle of going to a traditional bank to have an embarrassing conversation with a banker and get nothing more than you will through your online debt consolidation loan.There are, literally, hundreds of companies offering online debt consolidation programs. The best way to make sure you get the loan that is right for you is to do research. By simply starting off with a search engine and typing in online debt consolidation, you can get a jump on things. From there, look up companies and check for reviews of the companies to see which are the most reliable when it comes to online debt consolidation. It may be a good idea to ask the company you are thinking of using for references from former clients that had similar debt problems.There is, as with anything, always a fear of being a victim of fraud when it comes to online debt consolidation companies. First of all, if there is a fee for the application, the company is not reputable. You should never have to pay to apply. Make sure the company has plenty of customer service and representative help. Fraudulent companies will rarely supply much, if any, customer service.When it comes to managing your debt quickly, easily, and conveniently, you may want to look into a online debt consolidation loan. There are plenty out there to choose from, but do be cautious and do keep an eye out for fraud. If you can find the right online debt consolidation company [http://www.fairviewjournal.com/category/finance-news], you will find you can quickly get your debt under control.

Motivation – Even the Doubters Use It

Times are bleak. I agree. More people are out of jobs. A few are struggling. Many can only manage to get by. A handful is growing richer every day. We live in the same country. Some of us are from the same area. But the results of our lives are quite different. While other complains; others are laughing all the way to banks. While others are falling into spiraling debt; others have their bank accounts filled to the brink. It is almost like shooting several arrows at the same time; they all go in different direction. They all have a special kind of force that is unique to them.What drives someone to work for two days straight without a single complaint? Others can barely manage 2 hours. What makes someone keep going from one achievement to another without ever seeming like they are about to stop? Others are content with having a ‘simple’ life. What drives us? What motivates us? Motivation is as unique as our individual personalities. Just like the arrows flying towards the same target but all headed in different directions; the forces behind our individual will power vary. They lead us to different directions. Ask anyone what motivation is, and they will give you as many answers as the people you ask the question.Ask a mother what motivates her. She will tell you she wants a better life for children. Ask a father what motivates him. He will tell he wants a better life for his family. He dedicates his life and efforts to his family. Ask the politician what drives him. He’ll probably give you a long story about what he wants to do for his people. A lover will get his motivation from the love he feels towards his beloved. The common trait in all these people is that there are all motivated to do something. They all want to achieve something. Their motivation comes from different things.We all get our motivation from different things. Motivation is unique to each and every one of us. Even people in the worst of conditions are motivated to try to change their lives. Look at the people living in the worst of conditions. Listen to them speaking. They are all hoping for better things. Even they are motivated to do certain things in their lives. People living in war-torn countries, the smiling faces dirt poor children in Africa, the homeless man in the corner of our street who comes there to panhandle every day of the year. All these people are driven by motivation. They need motivation to do what they do.Everyone needs motivation. Those who deny that they do not need motivation are motivated by their denial. We all do what we do for a reason. We have different reasons that motivate us. But motivation is a universal human trait. Without it, life is not worth living. Without it we are suicidal. You can do a lot with motivation but you can do nothing without it. We need motivation every day.