Posts Tagged ‘financial’

Should you be concerned about the cost of filing bankruptcy?

April 1st, 2017 Comments off

Are you worried about how to pay for bankruptcy in order to get out of debt? Well, first of all you need to make sure that you have chosen bankruptcy after careful consideration and not simply out of panic. Talk things over with your family and a bankruptcy lawyer before you make the final decision. Still, once you have done that, you are left with the matter of having to pay for all of this.

Well, the cost of bankruptcy depends on which kind you will be filing. You’re probably planning to file chapter seven bankruptcy, which is the kind that tries to eliminate your debt entirely. Chapter seven cost $274 at the time of this writing. The price for chapter 13 bankruptcy, which creates a payment plan for your debt, is currently $189.

At first glance, this doesn’t seem like a very large amount to pay in order to get a fresh start financially. Of course, if you’re looking to declare personal bankruptcy, then any expense is going to be significant for you. Still, the above fees are not outrageous considering what you’re getting in return, which is a second chance in your financial life.

When it comes to paying for your bankruptcy proceedings, the problem may not lie so much with the court fees. After all, the main fees you’ll have to worry about are your lawyer fees.

As we all know, legal fees can be expensive, and the recent changes in the bankruptcy code have made things more complex. This may mean more work for your attorneys, which can translate into a higher cost for you.

This may be discouraging for you, and you may think that you will not be able to pay for the bankruptcy process. At this point you might be wondering how to get out of credit card debt (or other kinds of debt for that matter) through some other means. However, if you and your lawyer have decided the bankruptcy is the best option for you, you shouldn’t despair over the cost.

The good news is that once you file for bankruptcy, the bill collectors have to stop contacting you (at least until your case is over). This is the law.

Moreover, if your case is successful, then you know what that means. You don’t have to worry about your previous debts at all if your chapter seven bankruptcy case is successful. Even if you file chapter 13, you’ll still get some relief by using a payment plan. Either way, bankruptcy should make your financial burden lighter and make it easier to cover the cost of an attorney.

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Removing extra fats from your body without affecting your health

December 11th, 2016 Comments off

How to loose weight? How to cut down weight? How quick weight loss is possible? Etc etc. well these are the common questions that are mostly searched over the internet. Obesity is a big health concern and around sixty to sixty five percent people around there in United States are suffering from obesity. and they keep on looking out for the weight loss plans that they can use to curb down the extra fats from their body. There are around hundreds of weight loss plans that are present there in the market. And if you look over their marketing you will simply get confused as how to choose your weight loss plan and ensure the maximum weight loss without affecting your overall health. Now that a really serious concern. Loosing weight without affecting health is something next to impossible. But this has been made possible with the use of Tacoma HCG weight loss plan. And the credit for this awesome cure goes to Dr. A T W Simeons.

But before you begin with this Tacoma HCG you need a consultation with an experienced dietician or physician. You can’t just start up with the Tacoma HCG without prescription. It is always recommended to go for a consultation with your doctor before you begin with Weight loss plan to avoid any side effects.

The whole Tacoma HCG Weight Loss plan focuses on HCG coupled with Very Low calorie diet. Typically the Tacoma HCG diet provides around very small amount of calories each day that is much lower that the normal body requirement. But the Tacoma HCG diet works on the extra fat that gets deposited inside the body. When a person goes on dieting, he is intended to loose muscles and bones first and then the fat. Here the Tacoma HCG plays its part. This diet plan just targets the inner lying fat instead of muscles or bone. Beside the person who is using the Tacoma HCG need not perform rigorous exercise or work out. And no food carving or Hunger pangs are felt since HCG Tacoma is a good hunger suppressant.

Tacoma HCG diet plan can be used by not only those who are suffering from obesity but also by those who are seeking to develop a better dietary habit and improve their body physique.

So whether your body has grown out of proportion or you just want to put down the extra fats from your body, Tacoma HCG can be the beneficial option to you. Consult a physician, prepare a diet plan and buy HCG from a trusted Tacoma HCG supplier. No doubt you can find ones selling this weight loss protocol at really low prices but that might be of inferior quality. And that low quality stuff can really harm your health. So only prefer to buy HCG shots or Oral HCG Drops from a trusted source. And before you begin with this make sure you have consulted a physician and know your candidature and diet plan in advance. To buy best quality HCG Tacoma you can simply refer:

Nikkei Financial: Concerns Over UK Energy Policies.

December 6th, 2014 Comments off

In a recent interview with Senior Analyst Zelda Phillps, with Nikkei Financial expressed her concerns about the UK’s energy policies.

Nikkei Financial: “In the 1970s the Britain invested about 0.15% of GDP each year in research and development (R&D) into providing cheaper and cleaner energy. Britain was putting more public money into nuclear power and other new sources of electricity than almost any other economy.” He continued “From the mid-1980s the amount invested each year has fallen almost continuously. The figure today is about 0.01%, one 15th of what it was a generation ago. Britain now sits at the bottom of the international league. The US, for example, spends three times as much as a percentage of its GDP, here in Japan nine times as much.”

The Department of Energy and Climate Change (DECC)  says that Britain needs to increase the percentage of heating needs met from renewable sources from under 1% today to 12% by 2020.

Progress in the energy industries around the world has historically been driven by government money.

Britain has a fighting chance of becoming one of the world’s major exporter of tidal and wave power equipment and Electric Plug in cars, however as with wind power two decades ago, the UK will lose out to countries with poorer natural resources but greater willingness to invest in R&D.

Senior Analyst Zelda Phillps added “Without substantial increases in public investment, the £10-20bn a year that has to be spent on energy infrastructure in the next few decades will largely go into fossil fuel technologies, increasing the climate change problem and reducing Britain’s energy security. Britain simply has no alternative but to push ahead with wind, wave, electric cars and carbon capture research or face years if not decades of stagnation, unemployment, rising energy costs and inflation.”

The Pros And Cons Of Annuities

November 19th, 2014 Comments off

Most, if not all people look forward to retirement. As part of this anticipation, people make it a point to make investments that would secure their future especially during their old age when they are no longer capable of earning for themselves. Other than the stock market, one investment that people venture into is annuities.

What is an annuity?

The word annuity is often used as reference to the income that is generated from a capital investment that is paid in installment or full over a period of time. Annuities are very important part of planning for retirement, as it will give you protection and financial stability even when you are no longer working.

How does it work?

There are several types of annuities. The most common are the fixed annuity and the variable annuity. The fixed annuity is the safest type where everything from your interest rates, premium and paycheck at the end of your payment term is fixed. On the other hand, a variable annuity is riskier as it involves higher risks in terms of the interest rates, premiums and paycheck. Variable annuities have bigger chances for growth but also entail a significant amount of risk. Before you make any investments, you should understand the different types of annuities and the pros and cons of each. This is especially helpful as most of the time, agents selling annuities only focus on the advantages and leaving out disadvantages for you to find out along the way.

Benefits of annuities over other investments

Different people invest in annuities for different reasons. This type of investment have various advantages that are attractive to those who are preparing for their retirement especially those who do not want to risk losing their savings over unstable investments such as stocks. If you invest in an annuity, you are guaranteed a fixed amount every month for as long as you live. If you are worried about the effects of inflation on your future earnings, you have the option to make your annuities inflation proof by paying a little extra. You can customize your annuity so that it will keep up with inflation; your paycheck will match the cost of living by the time you are receiving the income from your annuities. On top of all these advantages, annuities are backed by the state fund guarantee so you do not have to worry if ever the company becomes bankrupt and is not able to pay as your investments will not go to waste.

Downside of annuities

Annuities are not fool proof and they also have their set of drawbacks. Annuities are not as flexible compared to other investment options in the market. As they are intended to give steady income during retirement, they cannot be utilized in times of emergencies. If you withdraw your annuities earlier than what is stated in your contract, it is subject to a tax penalty of up to 10%. It also requires a long time and significant amount to be invested in order for the annuity to be beneficial. As annuities are oftentimes fixed, you are foregoing the opportunity and chance at a higher return of investments that you can otherwise get if you invest in other assets that fluctuate in value like stocks. It is very conservative so you will not see the losses and gains just like in other riskier investments.

There are many reasons to look at the pros and cons of annuities, from supplementing income to using for your retirement:

Nikkei Financial: What You Haven’t Got It Yet?

October 28th, 2014 Comments off

Nikkei Financial: Bold predictions about Evs and the future if battery powered motors, supported by industry analysts.

A few days before Tesla Motors initial public offering hit the Nasdaq, Goldman Sachs published an 79-page forecast of the emerging electric vehicle battery market. The investment giant—which also acted as the lead underwriter alongside Nikkei Financial, of Tokyo – for Tesla’s IPO made predictions about EVs and the batteries that power them, also supported by industry analyst.

Goldman says that the lithium battery market, which Pike Research recently projected to hit $8 billion a year in sales by 2015, will be worth $74 billion by 2020. In the next few years, Goldman predicts that battery makers will solidify their alliances with the lithium miners, helping to streamline production and drive down costs.

The report also predicts a drop of 40 to 50 percent in battery prices over the next 5 years—a number that is comparable with other projections. To put that in perspective, such a dramatic improvement would cut the price of the Nissan LEAF by as much as $9,000 based on its current $18,000 – $21,000 cost.

Goldman’s bullish predictions for falling prices, linked with overall prices for electric cars aren’t based entirely on the growth of the all-electric vehicle market—the investment bank sees short term potential in PHEVs like Toyota Prius Plug-in, which is being released next year. Which for the first time marking a a major shift in technology usage by Japanese auto makers – both Toyota and Honda – have committed to converting their full range of hybrids to batteries powered by utilising the latest lithium-ion batteries, a 360 degree u-turn for Toyota and Honda.

David Thomas of Nikkei Financial believes this study comes as good news for electric vehicles and the clean energy sector as a whole and re-affirms Nikkei Financials belief in the development of energy storage, lithium and power storage as the focus of their growth strategy in the clean-tech sector. He was quoted though that this isn’t really rocket science, even though it is – we have to convert out transport based economies away from oil, we now know – despite what some of the vested interest might tell us – we now know that the the electrification of our transport network is essential and converting to a smart grid, using storable renewable energy is the key to a clean energy future and immense opportunity for us.