Bankruptcy - is it a good option

Written by Joe L.Golson

Continued from page 1

You might be able to eliminate your debt, butrepparttar effects emotionally andrepparttar 141078 effect on your personal life will last for many years to come. Consider applying for a terrific job after you have filed bankruptcy. These days, employers will run a credit report to determine how you faired financially. This will effect whetherrepparttar 141079 employer will give you that dream job or not. Even if you do getrepparttar 141080 job and your employer later runs a credit report on you, you will still have to explainrepparttar 141081 bankruptcy. While employers can't fire you because of a bad credit report, they can certainly limit your future promotions.

Future purchases are affected as well; after several years, you may opt to purchase a home. If you're in sufficient shape at that point to qualify for a mortgage, you'll pay a higher interest rate thanrepparttar 141082 average consumer who has never filed for bankruptcy. Assume you want to purchase a $100,000 house a few years after filing bankruptcy. You make a $10,000 down payment. This will result in applying for an $80,000 mortgage. While your "good credit" neighbor would obtain an interest rate of 4.5%, you would get a rate of 7%. While it seems thatrepparttar 141083 extra 2.5% difference is not bad for having filed bankruptcy inrepparttar 141084 past, it's what you will pay monthly where you will feelrepparttar 141085 pinch. That extra 2.5% on a mortgage will increase your monthly payment by $200 per month withrepparttar 141086 total of your payments reaching more than $70,000 overrepparttar 141087 30-year life ofrepparttar 141088 mortgage.

Besides being a devastating blow to your credit, a bankruptcy can also be a very stressful and embarrassing decision to continually have to explain to every potential lender. If you have no choice, then you should proceed, understandingrepparttar 141089 consequences. However,repparttar 141090 majority of people who take this method of debt elimination don't know what they're getting themselves into orrepparttar 141091 consequences thereafter. They are desperate, and they get talked into filing bankruptcy byrepparttar 141092 collectors or attorney without understandingrepparttar 141093 impact on their financial future.

Keep in mind that personal bankruptcies are usually unnecessary as there are better options available. Many people are forced, against their wishes, to file bankruptcy to protect themselves from aggressive creditor tactics or attorney. Ultimately, bankruptcy still means failure to employers and creditors.

Complete Bankruptcy Information and services provides access to free filing bankruptcy information and resources.

Joe L.Golson, writer and Affiliate Marketeer for work at home home business opportunity. For other work at home,work from home business ideas,traffic resources and information visit;Affiliate Marketing And Traffic Solutions

What Is This Passion for Tanning?

Written by Rachel Stepsen

Continued from page 1

Tanning beds controlrepparttar amount and time of ultraviolet radiation. A tanning bed programsrepparttar 141045 emission and intensity of ultraviolet rays according torepparttar 141046 recipient's body. The tanning beds stoprepparttar 141047 radiations afterrepparttar 141048 stipulated time. In fact, a tanning bed is like a controlled dose of ultraviolet rays.

Tanning machines and tanning beds require a few precautions because ofrepparttar 141049 presence of ultraviolet light. Some ofrepparttar 141050 precautions required for tanning beds are:

* You should always wear protective eye goggles while usingrepparttar 141051 tanning beds. Tanning saloons haverepparttar 141052 goggles available for their clients. Never use a tanning bed withoutrepparttar 141053 goggles because ultraviolet rays are more harmful torepparttar 141054 retina than to your skin.

* Tanning Bed Exposure Timings: It is important to observerepparttar 141055 tanning bed timings. Over exposure atrepparttar 141056 tanning beds could be harmful. Exposure times also vary withrepparttar 141057 brand of bed. Make sure you are followingrepparttar 141058 manufacturer's guidelines. You can check other regulations with local Department of Health & Human Services.

Using a tanning bed is quite a simple activity. Just a few sessions and you will find everyone asking about where you have been to! =========================================================== Find out all you need to know about tanning beds. Are they safe ? Do they work ? Why should you use tanning beds instead of normal sunshine... ? Click

Rachel Stepsen is a lifelong user of tanning beds. She has researched and tested numerous different beds, and investigated all the important safety issues. Now she's written a series of article to share her knowledge and experience.

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