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Filing for bankruptcy can be scary. You may be harassed by creditors, face shutoff notices, or have seizure notices for your house or vehicle. Knowing what to do to survive during this trying time often makes all the difference. Here are five tips to keep in mind. Reaffirm Debts You Plan to Keep If you plan to keep on paying your mortgage or vehicle payments, contact your lender immediately. Let them know that you are undergoing a bankruptcy but intend to honor your obligation. Some financial institutions may ask you to sign a letter of reaffirmation, while others will simply tell you to keep making payments. This will avoid any confusion about your home or transportation. Talk to your bankruptcy lawyer if any creditor expresses hesitation about the process. Inform All of Your Debtors While some bankruptcy lawyers will do this for you, contacting your debtors in person can help stop threatening calls and letters. Most of the time, your debtors will deal directly with your lawyer. Shoul

Money is essential and also heard-earned. It is essential to support our livings, fulfilling all the requirements of day to day life and securing a tension-free future. So, you always keep on searching for some alternative ways to make huge profits without investing much time and efforts behind it. You must have heard about Financial Reform . If it works properly, it can bring you sheer fortunes to earn a lump sum amount. Before you proceed for any Financial help , you must be aware of its background, future prospects, and benefits. Background: Any investment is crucial for you, so it is better to know about the history of the investment before you plan to buy it. Suppose the investment be dinar .Dinar is the currency of Iraq. In the year 1931, it was introduced in the market replacing rupees, the currency of India. At that point of time it was quite valuable in the market. Then suddenly its value dropped a lot. The second change occurred in 2003 with the fall of Saddam Hussein. From

It's nothing new that top graduate business schools across the country stretch themselves to keep up with the times, remain relevant, and enhance the quality of a student's two-year stint in school. Over the past two decades, they have responded to financial crises, evolving corporate needs, questions of ethics, and a global economy. They've even responded to the cries of students who want lavish facilities and daily comfort on campus to justify steep tuition costs. Once there was a time when a student could leave b-school and sidestep courses related to Asia or Europe business, emerging markets, regulation, ethics and technology. Students today can't avoid these topics and typically don't want to. Insider-trading scandals from the 1980s and 1990s and accounting and financial fraud at Enron and other companies spurred schools to address ethics in business.  The Internet explosion of the 1990s and 2000s encouraged schools to examine technology and online business mod

To be frank, when I just started investing in the stock market, I thought fundamental analysis rules and that technical analysis is for short term traders. I was very wrong indeed! Now if you asked me whether I prefer fundamental analysis or technical analysis? I'll say both! Under different market condition I'll apply them differently. For example, during the stock crash in August till now, I'm looking at the charts every day, I also focus on the macro economic news, but less on the corporate earnings because the published corporate earnings are historical figures that may still 'look nice' but its meaningless if you're at the market top (if that's your assumption). However, during normal bull run from March 2009 to beginning of 2011, I focus more on coporate earnings than the charts because as long as the bull trend was intact, I do not bother so much about the daily fluctuations. While focusing on the corporate earnings, I pay special attention to EPS gr

Saving money is often a challenge because it is difficult to determine where to cut out expenses. Though we all have little luxuries, cutting out that occasional cup of coffee or candy bar is not the only way to cut back on the monthly expenses and put a little extra cash in the bank. Coupons can also lower the cost of monthly charges and make it possible to lower the price of necessary items. Cut Out Coupons from Newspapers: Stores often put their coupons in newspapers, particularly if it is a grocery store. Pay attention to the coupons and cut out those that are necessary expenses purchased when buying normal groceries or items from the store. Using the coupons to get a better deal is not only a way to save a few extra dollars on the next grocery trip; it is also a way to get necessities purchased without the coupon for a lower price. Use Online Coupon Links: Coupon links for online store purchases can result in large savings, depending on the item and the store. The coupon links dif