One Manís Brush With Bankruptcy

Written by Eric Chavez

Continued from page 1

Itís been 7 years now since that fateful day in court, when my slate was wiped clean. As relieved as I felt for no longer having to deal withrepparttar insurmountable task of paying bills I could no longer afford to pay, I didnít feel very good about myself, and still donít.

They say that a bankruptcy stays on your record for 10 years so I have 3 more years to go. Inrepparttar 145151 meantime Iím getting married soon, so how do I tell my wife-to-be that we canít buy a house just yet? We have to wait three years.

No, I havenít told her yet. Iím too ashamed.

That's why I started to let people know that there are alternatives. Hopefully, people will learn from my mistakes and think long and hard before deciding that bankruptcy isrepparttar 145152 answer.

In my opinion, it's a bad decision and a short-term fix to a more serious problem. Inrepparttar 145153 end, you still end up paying your debts inrepparttar 145154 form of internal strife, external perceptions, and higher interest rates.

Eric Chavez is an author, and researcher in the field of credit counseling, and debt relief. He enjoys helping others overcome the stigma of bankruptcy, and turn their lives right side up again. Visit his website, for more information.

Baby Shower Checklist-Hostess

Written by Randy Wilson

Continued from page 1

One Week

  • Wrap gifts
  • Take a final count ofrepparttar accepted guests
  • Phone those guests that havenít yet responded
  • Confirm food and cake
  • Confirm guest list
  • Make sure you have enough film forrepparttar 145150 camera
  • Prepare and clean your home (ifrepparttar 145151 location ofrepparttar 145152 shower)

One Day Beforerepparttar 145153 Shower

  • Start putting uprepparttar 145154 decorations
  • Preparerepparttar 145155 party favors; make sure that you have enough
  • Make sure allrepparttar 145156 games and activities are organized
  • Ifrepparttar 145157 cake was ordered pick it up or have it delivered
  • Set uprepparttar 145158 chairs and tables; add more decorations
  • Make sure you enough ice and beverages

The Day ofrepparttar 145159 Shower

  • Do any last-minute decorating
  • Blow up balloons
  • Preparerepparttar 145160 punch and other beverages
  • Set uprepparttar 145161 food and cake
  • Have a guestbook ready atrepparttar 145162 door for guests to sign
  • Have a side table ready forrepparttar 145163 gifts
  • Greet guests atrepparttar 145164 door
  • Enjoy!

Hope this baby shower checklist-hostess will be a great help to you. Now you just need to get on with making all ofrepparttar 145165 above start happening. Good luck and have a fun time!

© Copyright Randy Wilson, All Rights Reserved.

Randy is owner of How to Plan a Baby Shower where you can get more tips and ideas for your baby shower. You can also purchase and find free baby shower games. Randy owned and operated a very successful storefront/mailorder business from 1988 to 2003.

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