'Tis the Season for Giving

Written by Caroline S. Potter


Continued from page 1

Besidesrepparttar tangible items, consider asking for or giving something that doesn’t require permanent storage space such as:

Purchase movie or theater tickets and include an offer to baby sit or to go with them

Prepare a box of easy to make food for a college student or add a small binder with your favorite recipes and include some ofrepparttar 101380 ingredients for someone newly on their own.

Register them for a class to explore a new hobby they have been talking about

Start a new magazine subscription or renew their favorite

Establish a membership to a museum (even if it is only a short-term trial)

Offer to run an errand or do something aroundrepparttar 101381 home of an elderly neighbor or relative.

Bake a batch of holiday cookies forrepparttar 101382 person who never seems to get some baked

No matter what it is, come up with fun ways to packagerepparttar 101383 item. You will findrepparttar 101384 gifts are more appreciated because you maderepparttar 101385 effort to think about what they would really like and enjoy.

Establish a tradition

You may be decorating your home, baking cookies and deciding what gifts to buy forrepparttar 101386 special people in your life, but there are some people who are not eagerly awaiting this special time. They are dreading telling their children they won't be getting that wanted toy and there won't be a special meal. Duringrepparttar 101387 holiday season many organizations are looking for donated items such as never been worn clothing (you know those items withrepparttar 101388 tags still on them hanging in your closet) or gently used items to give to those less fortunate. They are looking for food to share and people to help deliver or prepare that food. Consider starting a new tradition of giving and give a gift where you can help someone else experiencerepparttar 101389 joy ofrepparttar 101390 season. You may find that your wish list and that of your family begins to reflect what is truly important inrepparttar 101391 season of giving!

Packing Up

As you are takingrepparttar 101392 trimmings down afterrepparttar 101393 holiday is over, weed through them and determine if you want or need them all. When they are all out, does it feel festive or cluttered? Are any of them broken? Can they be fixed? Takerepparttar 101394 time to fix them now or throw them out so that next year, you are only putting out your favorite things. Also many stores offer colored storage bins that can help you findrepparttar 101395 right containers easilyrepparttar 101396 following year.

From start to finish, don’t let clutter overwhelmrepparttar 101397 season. Do your best to keep things neat by doing a quick 15-minute pick up every day. Enjoyrepparttar 101398 season and allrepparttar 101399 blessings that are around you.

©2004 Caroline Potter

About the Author: Caroline Potter is a Professional Organizer, public speaker and freelance writer. Her work frequently appears on many Internet sites, on the organizing site Clutter Free Living (http://www.clutterfreeliving.com), as well as in the monthly Home Organizing Newsletter How to Be Clutter Free. Subscribe to the FREE monthly e-newsletter by sending a blank e-mail to cflnews-subscribe@topica.email-publisher.com


Bankruptcy:a paradox

Written by lance


Continued from page 1
•Bankruptcy Judge- who chairsrepparttar hearing ofrepparttar 101379 case •Case Trustee- who is appointed to checkrepparttar 101380 assets ofrepparttar 101381 debtor and submit report torepparttar 101382 Judge. The Federal Bankruptcy Act has designed a format for those liquidated (both individuals and firms) . The proceedings are as follows: Chapter 7 or Liquidation Bankruptcy or Straight Bankruptcy-This involves taking an account ofrepparttar 101383 assets ofrepparttar 101384 debtor , appointing a trustee and selling them off. This is done to dischargerepparttar 101385 balance of creditors. Chapter 11 – This is applicable to a corporation only and it helps normal operation to continue. Nevertheless it is costly and complex. Chapter 12 – This is formulated for farmers , and this too involves non-interference in work. Chapter 13 – For all those who have a fixed income source, this scheme uses this income to pay offrepparttar 101386 debt in installments.

The Bankruptcy rate of each country is of importance in deducingrepparttar 101387 economic state .This also a yardstick for international organizations to sanction funds. Even if one avails ofrepparttar 101388 proceedings of Chapter 7 ,one gets a clean slate to begin afresh but it would remain on record for upto 10 years in ones credit history.

Bankruptcy could prove to be a pain inrepparttar 101389 neck and a credit history blotter but there are ways and means to get past it with a new lease of life.

For further queries you are welcome to log onto http://www.mortgagekb.com



Lance Wiliams is an accomplished contributing writer presently working in association with http://www.mortgagefit.com. He specialises in mortgage and real estate arena.


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