Bankruptcy will destroy your credit rating, therefore be careful when you speak with Bankruptcy Attorneys, this may be only option that they know of. In other words, when you talk to someone that does bankruptcies they will influence you to file bankruptcy, when you talk to a mortgage officer or bank official, they will want to influence you to get a loan because that is what bankers do, if you talk to an investor they want to buy your house, because that is what investors do, SO be careful and look out, find someone that does not have an agenda that can give you strategic advice regarding your current situation. The rate of people that declare bankruptcy for a second time is as much as 50%. In some instances, bankruptcy may be a good choice, but all too often it causes more stress and problems for individual. So try to resolve without use of bankruptcy.

Jimmy Cox www.365homenet.com

A NAME LIKE NO OTHER

6. If you'd like to give your baby ultimate gift of individuality, you could invent a name. You don't need to make up a name full of x's and z's that sounds like it came from another planet to be creative. Just recombining common syllables can lead to some interesting alternatives. For example, take syllable "Ca" and combine it with "rinthia" and an unusual, beautiful new name appears, Carinthia. "Ja" + "kira" for Jakira. "Te" and "ger" for Teger. This seems to work better with girls' name as naming climate today is generally more tolerant of unusual girls' name, but boys' names can benefit from a fresh twist as well. If you do go creative route, most of experts warn against just changing or complicating spelling of a name. After all, whether you spell it Tyson, Tieson or Tisen, it's same name.

A NAME THAT HONORS SOMETHING OR SOMEPLACE

7. Honoring a person, a place, or even something intangible that is important to you is another way to choose a name. It could be a place you love, like ocean or a meadow, or a meaningful city -- maybe Odessa, if your great grandparents immigrated from around Russian Black Sea area. If you visited Chennai in India and found city uplifting and spiritual, it would be meaningful to you and your child too, once she was old enough to enjoy story of how her name was chosen. If music is your life, Allegro which means to play a piece briskly and full of energy might be worth considering.

A NAME THAT CONTAINS AN ESSENCE

8. We all can agree that choosing a name carefully is important. After all corporations will spend lots of money and sometimes months or years deciding on a logo or name. A name that sums up exactly mood and feeling of their image. But, for some, what a name contains goes well beyond image. Nameologists or name "profilers" believe names contain an energetic cache that can affect our finances, our health, our happiness, basically all aspects of our lives. If you believe that subtle energies like sound and vibration are more important than people give them credit for, you might consider consulting a namelogist for help in choosing an "energetically correct" name.

Naming styles change and lots of arents aren't satisfied sitting down with a name book, starting at A and 140,000 names later, ending with Z. So today's baby naming books (and websites) have changed too. The up-to-date guides are much more targeted. You can find baby name lists now with names from Shakespeare's plays, celebrities' baby names, soap opera names, cowgirl and cowboy names, cool names, names from folklore, mythological names and names of saints. With so many things to consider, it's a good thing pregnancy lasts nine months!