Personal Bankruptcy Tips You Must Not Ignore | Finance-411

Wednesday, August 1st, 2012 at 12:48 pm ?

Drowning in debt can be overwhelming. In severe cases, a small amount of debt can become overwhelming in a relatively short period of time. Getting out of debt is not easy, especially if you do not have a steady job. Read on to find tips, insight, and valuable information for clearing your debt and getting a firm grasp on your finances.

Make sure you know what you should be doing when you file for bankruptcy. You want to understand what is going to happen when you file for your specific case. Some mistakes could lead to having your case dismissed. Make sure you have a decent understanding of the bankruptcy process before you proceed. This will make things much easier.

Once you have filed for bankruptcy, it is important to be cautious about incurring new debt. There are lenders who offer credit cards and loans under the premise that they are designed to help people rebuild credit following bankruptcy. Read the fine print, the interest rates are likely outrageous. If you are not careful, you could end up in the same spot that had you filing for bankruptcy.

If you have decided to file personal bankruptcy, first educate yourself as much as you can with your state?s bankruptcy laws. Your future depends on you knowing as much as you can and you being personally involved with your bankruptcy.

When filing for bankruptcy, ensure you have listed all of your financial obligations. Leaving out information either purposely or by mistake can prolong your petition, or have it dismissed completely. The most meaningless, innocuous finance or expenditure needs to be listed when you file a claim. Include all jobs, assets and loans.

Before you choose Chapter 7 bankruptcy, think about what effect that is going to have on any co-signers you have, which are usually close relatives and friends. If you choose Chapter 7, you are no longer responsible for joint debts. However, your creditors will be able demand that your co-debtor pays the debt off in full.

Many people who file for bankruptcy vow to stop using credit cards. However, this is not a good idea because it is desirable to heal your credit rating. Avoiding credit altogether prevents you from rebuilding your credit standing, and will therefore serve as an obstacle when you wish to finance a house or a vehicle. Choose a single card to get started on your credit repair journey.

Accuracy is key. It is fine for your attorney to complete the papers for you, but it is ultimately up to you to make sure the information contained is correct. Attorneys generally handle multiple cases at once. There?s a chance they may overlook or confuse details. This does happen on occasion, so you should take it upon yourself to double check all the information to ensure everything is correct.

When you document your financial records, it is vital that you are 100% truthful in order to have a successful resolution to your bankruptcy process. Not hiding any assets or income is essential for avoiding possible penalties and your ability to re-file at some point in the future.

When it gets time to think about bankruptcy, avoid using your retirement or savings to pay off the creditors or even make attempts to settle the debt. You should not use your retirement savings unless the situation calls for it. You may need to withdraw some funds from your savings account, but don?t take everything that is there as you will be bereft of any financial backup if you do.

There are certain life events that you have no control over. This article provides you with a few good ideas about what you can do to get control of your financial situation when facing bankruptcy. It is time to take action and fix your problems.

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Source: http://finance-411.com/personal-bankruptcy-tips-you-must-not-ignore/

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San Diego Personal Injury Lawyers Helping Those Harmed in Head ...

There are a number of different ways in which two vehicles can
collide, but perhaps the most violent and most dangerous involves
head-on collisions. When vehicles collide in this manner, it often
leaves behind a wake of devastation that includes serious injuries and
fatalities. People who have been injured because of the negligence of
another driver that led to a head-on crash face a difficult situation
for many reasons, one of which is the challenge of enforcing their legal
rights while attempting to recover from serious harm.

Below you will find an overview regarding the nature of head-on
crashes such that you will find information regarding common examples of
how they occur, common types of injuries that are suffered as a result
of these collisions and the potential damages that could be incurred
when someone is harmed in this manner. Anyone facing this situation
needs to obtain the help of experienced San Diego personal injury lawyers as soon as possible.

Common Causes of Head-On Crashes

There are many different ways that head-on crashes can occur, but
perhaps the most common has to do with the consumption of alcohol. Many
times when a motorist has consumed alcohol and then decides to get
behind the wheel of a vehicle, they will drive in the wrong direction
down a city street or a highway. Other motorists do not generally
anticipate seeing a vehicle coming directly at them at a high rate of
speed, and they are therefore unable to take evasive measures in order
to avoid a collision.

There are other common causes of head-on crashes, and many of these
examples occur on two-lane roads and highways. These crashes generally
do not involve the consumption of alcohol, but if a motorist simply
loses control of his or her vehicle for even one second that vehicle can
cross over into an oncoming lane of traffic and collide with someone
else.

Common Injuries Suffered in Head-On Crashes

When people are injured in head-on crashes, their injuries can and
often are severe. Given the nature of and the force generated by these
collisions, it?s common for people involved in them to suffer traumatic
brain injuries. Spinal cord injuries, broken bones, the loss of limbs
and deep lacerations are also common results of these incidents.

When someone is injured in a head-on crash that was caused by another motorist?s negligence, that injured person could file a California personal injury lawsuit
in response. If a lawsuit is filed and it?s successful, it could lead
to an award of damages that compensates that person for medical costs,
lost income and pain and suffering.

If you or someone you love has been injured in a head-on car accident
that was caused by someone else, you need to seek the help of San Diego personal injury lawyers who have been fighting for the rights of those wrongfully harmed for many years. Contact the Mitchell | Gilleon Law Firm today to schedule a free initial consultation.

Continue reading ? San Diego Personal Injury Lawyers Helping Those Harmed in Head-On Crashes?

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Source: http://safeguardfreedom.com/blog/?p=7075

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Michelle Obama?s ?Shhhh? Moment, and her husband?s plans to spread the wealth (Powerlineblog)

Share With Friends: | | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

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Corporate Sales Manager Resume Sample | Resume My Career

The sample below is for a Corporate Sales Manager Resume. This resume was written by a ResumeMyCareer professional resume writer, and demonstrates how a resume for a Corporate Sales Manager Candidate should be properly created. Our Certified Professional Resume Writers can assist you in creating a professional document for the job or industry of your choice.

JOHN DOE
123 Main St. ? New York, NY 11111
(888) 888-8888 ? johndoe123@gmail.com

SALES MANAGEMENT
Dynamic, high-energy and results-driven Sales and Account Management leader with a demonstrated track record of leading strategic client relationship management, program development and exceptional sales growth for high profile industry leaders. Recognized leader and motivator with the ability to lead and generate revenue growth despite a challenging economic climate. Influential communicator and incomparable closer with the ability to gain the trust, cooperation and commitment of clients and key decision makers. Eager to integrate broad based experience and visionary leadership into a Sales/Account Management role with a world-class organization poised for growth.
Core Competencies
Business Development ? Sales & Marketing ? Brand Development ? Market Trends ? Business Analysis
Customer Relations ? Sales Strategist ? Profit & Volume Growth ? Negotiation ? Team Leadership
Risk Management ? Communications ? Analysis & Planning ? Training/Development

PROFESSIONAL EXPERIENCE
ABC, Cerritos ? CA 2002 ? 2011
Sales Manager
Perform strategic financial sales support for all finance operations for high volume and deadline-driven automotive sales company. Developed and provided staff financial and operational reports and researched financial inquires to assist in overall sales and revenue increase. Performed staff training and development on financial aspects of sales and negotiations that facilitated increased sales closures and strong knowledge of all financial aspects of automobile sales. Analyzed all aspects time management, account prospecting and individual sales execution and strived to increase efficiencies in all areas.

ABC, Torrance ? CA 1997 ? 2002
Corporate Sales
Utilized strong sales experience to effectively close sales and service revenue on computer and peripheral equipment. Developed and maintained key accounts and served as liaison between all departments within the company and client acquisition/retention, providing computer products needed for business operations.

ABC, Irvine ? CA 1996 ? 1997
Technical Support/Customer Service
Performed mechanical and visual inspection to Toshiba computers and specifications on various products. Directly worked closely with tooling, receiving, fab shop and calibration. Authored and maintained rejection documentation, and kept accurate up to date records and drawings.

ABC, Los Angeles ? CA 1993 ? 1996
Securitization/Fraud Business Analyst
Leveraged strong knowledge of risk management and implemented policies, procedures and effective standards. Recognized as strategic planning partner and effectively tracked operational risk focused on fraud prevention. Liaison between project management and re-engineering group and product stakeholders focused on integration and reinforcement of operational procedures. Collaborated with Risk Management staff to maintain background information and analysis projects.

EDUCATION AND CREDENTIALS
BA, Psychology ? 1998
Cal State University, Long Beach, Long Beach ? CA

Get Started Now!

Source: http://www.resumemycareer.com/corporate-sales-manager-resume-sample/

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Olympic Surfing: The Hidden Dangers Of Free WiFi | Business ...

When we think about securing the Olympics, most of us automatically think of physical security: the crowd control, access control and contingency planning that is integral to managing such a big event. Few of us stop to think about the impact on the communication networks that are a lifeline to everyday Londoners.

These networks are about to be joined by at least three massive WiFi networks which aim to bring free communications to the capital during the games. But users should look before they leap as its still possible to fall foul of the hackers when surfing for free.

In keeping with the open spirit of the Olympics, three projects will offer free connectivity to the masses in a bid to present London as the welcoming and technically advanced host. However, while every effort will be made to ensure these networks are secure, there is no way to prevent them being replicated: there will always be ways to ensnare the unsuspecting user.

The first network will see Transport for London provide WiFi access across up to 120 Tube station platforms via Virgin Media. The service will allow Wi-Fi access both below ground and at street level in underground stations with an unlimited service for all Tube passengers during the games (after which access will be available on a subscription basis from Virgin Media).

The second network sees restaurant owner Tragus team up with O2 to offer free Wi-Fi access to any user in and around 120 locations. Franchises such as Cafe Rouge, Strada and Bella Italia restaurants will all be taking part. And finally, O2 will also be creating what it claims is the largest free Wi-Fi network in Europe across Westminster, Kensington and Chelsea, just in time for the Olympics.

By their very nature, these public networks will be unencrypted and offer rich pickings for the criminal fraternity. It?s important to note that the security of these networks is not at issue here: it?s the captive audience they attract who, upon seeing these networks advertised, will connect in their droves.

Attacks such as the Evil Twin can then be brought into play to impersonate these access points using very little equipment often in the rudimentary form of a browser plug-in. The rogue access point, which to all intents and purposes appears identical to the bona fide WiFi hotspot, can then be set-up in the vicinity enabling it to broadcast a stronger signal to ensnare users.

And if that doesn?t work, why not just kick users off the legitimate hotspot? By terminating existing WiFi connections its much more likely that the user will then reconnect to the stronger signal.

During recent research we erected a hotspot in central London to see the type of data it would yield. Although our hotspot did not attempt to impersonate any other network we still attracted a number of connections and were able to establish the type of device, website visits and potentially log-in details for sensitive sites. An Evil Twin would be able to harvest precisely the same data and could even use the link to upload malware to the end device.

Determining whether a hotspot is of the rogue variety or bona fide can be extremely difficult. While it is possible to use tools clientside to detect whether traffic is being sniffed, or a scanning tool to sweep for duplicate access points, the most widely trusted form of authentication by Joe Public ? SSL certificates ? aren?t really useful because anyone can falsify and send them.

Business users may have an additional layer of protection in the form of client connection technology but the majority of users are unlikely to have this level of protection.

Interestingly, the rogue hotspot problem becomes more of an issue the longer the hotspot is active. Trusted hotspots which the device has previously connected to are often logged on a ?preferred network? list which the device runs a check against to save time whenever the device is in the same vicinity. A rogue hotspot need only scan for devices seeking to connect to the legitimate network and capture these packets to identify its sitting targets.

So what can the hapless user do to prevent this scenario? Some best practice advice would be to always ensure you only connect to low risk sites to prevent data leakage and don?t be tempted to log-in to your bank or building society website. Ideally you should try and avoid all log-in services, even Facebook.

And look at the device settings and suspend the ?preferred network list? to prevent hotspots being stored (failing that, delete any public hotspots upon disconnect). These tips may seem restrictive, but by limiting activity in this way you might just evade the network sniffer and while that?s not Olympian, it?s certainly no mean feat.

Phil Robinson

As a Director for Digital Assurance, Phil Robinson is responsible for overseeing technical services including risk assessment, business continuity planning, disaster recovery, gap analysis and information security management system implementation. His areas of expertise include Infrastructure and Application Testing, Risk Assessment, BIA, ISMS, Computer Forensics and Incident Response, Wireless, and Unix Security.

As a Director for Digital Assurance, Phil Robinson is responsible for overseeing technical services including risk assessment, business continuity planning, disaster recovery, gap analysis and information security management system implementation. His areas of expertise include Infrastructure and Application Testing, Risk Assessment, BIA, ISMS, Computer Forensics and Incident Response, Wireless, and Unix Security. ...less info

Source: http://www.businesscomputingworld.co.uk/olympic-surfing-the-hidden-dangers-of-free-wifi/

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T-Mobile To Launch $249 Ice Cream Sandwich-Powered Galaxy Note On August 8

T-Mobile's Galaxy Note has been one of the worst-kept handset secrets in recent memory but the one thing the carrier managed to keep close to its proverbial chest is when its customers could actually go and get their hands on one. According to CNET, T-Mobile will begin selling its version of Samsung's 5.3-inch phablet on August 8, for a cool $249 with a two-year contract. Of course, whether or not you should buy one is another story entirely. Sure, there's nothing wrong with the T-Mobile version per se -- it's nearly identical to the AT&T model, save for its lack of an LTE radio and the fact that it ships loaded with Ice Cream Sandwich. What really makes things dicey is the launch window that T-Mobile and Samsung have come up with.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/ta3FAOHqyUM/

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MTV VMA Nominations: Rihanna & Drake Lead the Pack

The 2012 MTV Video Music Award nominees have been announced, and this year it's Rihanna and Drake who lead the pack.

Source: http://www.ivillage.com/mtv-vma-nominations-2012-rihanna-drake-lead-pack/1-a-477029?dst=iv%3AiVillage%3Amtv-vma-nominations-2012-rihanna-drake-lead-pack-477029

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