Filing for Bankruptcy can help people substantially

Although bankruptcy is usually peoples last resort, it can be a good option if you are not able to meet your financial obligations because of some unforeseen circumstance.  You could get a “fresh start” financially and life would go back to the way it should be.

Filing for bankruptcy starts with a credit counseling course that will need to take place at least 6 months before filing for bankruptcy. Once you have done that and received the certificate needed for completing the course you then go to what is called bankruptcy court. Bankruptcy court is where you will determine the type of bankruptcy plan best suites you. Before going to bankruptcy court, you will want to have a bankruptcy attorney.

Thousands of people file for bankruptcy every year in the state of California. Too many people in the US kill themselves due to having too much debt. In 2012 an elderly couple committed suicide by overdosing on pills because their debt was so high and they were soon going to be evicted. The government provides us with options such as bankruptcy to provide people with no hope a way out.

There are many great bankruptcy attorneys that can help you. Please visit the following web pages if you would like to learn more.

Driving Under the Influence Kills

Drinking and driving is never a good idea, whether you have drank a lot or just one beer. No matter how much alcohol you consume it still affects the way drive. Police are starting to take driving under the influence more and more seriously. If you are showing any signs at all of being intoxicated while at the wheel you will be pulled over and given a breathalyzer test.

In 2012, a woman was found guilty of killing her husband and daughter while drunk driving in Los Gatos, California. She is now facing a prison term of 36 years to life. I’m sure that when this woman left her house she had no intention in killing her family. In just one year alone, nearly 350,000 people will be injured and over 10,000 will be killed due to this preventable crime. That is just one of the many terrible tragedies that have happened because of drunk driving. Not only can drunk driving kill people, but DUI’s are also life altering and can devastate families.

A DUI is when a person driving under the influence is pulled over and has a breathalyzer of .08 or above, they are given a misdemeanor along with large fines and even jail time. However, that is just the penalty for a first DUI. If given a second DUI, things become a lot worse. You are given time in jail, larger fines, your licence is suspended, and an ignition interlock unit or immobilization of a vehicle. A felony DUI is given after more then one DUI offence has occurred. The largest consequence of a felony DUI usually comes after all government punishments have been served. If the person given the felony DUI works for the government or children related jobs, they will be fired and will not be allowed to work in the same field again. Some states allow this charge to be expunged from their record after a certain amount of time but most states will not give any option for having the charge removed. The person would also be not allowed to work at a job that required them to drive to get there. Driving under the influence is a serious crime and is not taken lightly.

If you or someone you know has recently received a DUI, it is important that you contact a DUI Attorney as soon as possible. The following sites offer more information about DUI’s, DUI attorneys, and other criminal charges:

Drought Devastating Texas’s Oyster Industry

Oyster Farmer

Between the oil spill and floods, the Gulf Coast marine life has a taken quite a hit.  Mainly what fisherman are worried about is the fact that the oysters are just dying out at such a dramatic rate.  The oyster make up a $217 million industry, Louisiana and Texas account for 70% alone.  The reason for the oysters dying off is because how high the salinity of the water is, predication and disease thrive in such conditions killing off the oyster that fisherman need to harvest.  Experts say that there hasn’t been such a high salinity since the 1980’s, normally there is an average of fourteen inches of rainfall annually but only 6 inches has fallen.  Many of the fisherman and fishing industry hasn’t recovered from hurricane Ike, making this drought another setback.  Shrimp and Blue crab may also be affected by the drought, shrimp alone makes up a whole $236 million for Texas’ commercial fishing business.  A professor at Texas A&M University reports that if there isn’t a break in the drought there will only be dead shellfish to harvest in.

 

EPA Tightens Soot Pollution Restrictions

EPA Soot PollutionOn Friday the President tightened limits on harmful soot pollution from sources including power plants, diesel engines and burning wood.  The new standards, which the Environmental Protection Agency was under court order to finalize, limit annual average soot emissions by the end of decade to about 12 micrograms per cubic meter of air from the standard of 15 micrograms set in 1997.

Individual states will be responsible for choosing how to cut emissions of the fine particulates, which can imbed deep in the lungs and harm the elderly, people with heart disease and children.  Health problems related with the pollution include premature death, acute bronchitis and asthma.  Industry groups and lawmakers have complained the soot standards are too costly.  The standards impose significant new economic burdens on many communities, hurting workers and their families.

The EPA, however, estimated that by 2030 the soot rules would prevent up to 40,000 premature deaths and that health care bills would be cut by $4 billion to $9 billion annually.  Costs on industry to implement the rules would range from $53 million to $350 million, it said.  Carol Browner, who served as EPA administrator from 1993 to 2001, said American innovation has found ways to meet pollution standards while contributing to new technology and jobs.  “We don’t have to choose between a healthy economy and healthy air and lungs,” she said. “We can have both.”

Housing Market Making a Comeback

Housing MarketHome sales rebounded to the strongest level in five years in 2012, as home building bounced back to levels not seen since early in the recession. Near record low mortgage rates, rising home prices and a drop in foreclosures have combined to bring buyers back to the market.  Experts forecast that there will be just under 1 million housing starts this year roughly matching the 28% rise in home building in 2012.

Many Analytics are forecasting a 50% rise both this year and next year, which it estimates will create more than 1 million new jobs.  Sales are soaring because a combination of strong market fundamentals near record low mortgage rates, lower unemployment and a rebound in home prices, all of which are bringing in buyers into the market who had been waiting for it to hit bottom. The mortgage rates and years of depressed home prices have also combined to create the most affordable housing market on record.  Many realtors are predicting strong sales should continue into 2013 and beyond. It has a forecast for 5.1 million existing home sales this year, and 5.4 million next year.

Accidents and Injuries

The first thing that you should always do after being injured in an accident or in some other manner is to look out for your health. However, if you have already done this, then there are a number of steps that you can take that will help preserve your right to file a claim for your personal injuries. These steps are valid in most situations and there is no “right” order to take (note: if you need to file a claim against the government or a government agency, there are other specific steps that should be taken).

  • Collect evidence that can point to who caused the accident, as well as the damage caused by the accident. Photographs are useful here.
  • Write down everything that has happened to you after the accident. This may include things like medical bills, hospital visits, any lost work or wages, etc.
  • Be sure to get the names and contact information of any witnesses that may have observed the accident. Contact these people to confirm their contact information.
  • If you speak to other people that were involved in the accident, be sure to take notes about your conversation.
  • Tell anyone that you may file suit against that you are planning on filing a claim for your injuries and property damage.

If you’ve been injured in an accident you should contact an experienced personal injury lawyer to ensure you are treated fairly.

Here are some great resources for finding qualified personal injury attorneys:

 

Get a Personal Loan Online

Are you looking for a loan to consolidate debt? Start a business? Do home repairs? But find you lack the collateral that some banks might require for such loans? Well we have good news!  You can get unsecured personal loans online, with no collateral required. You don’t need to put up your home or car to get a loan. You qualify for a loan based on your credit history.

  • We’ve Made it Simple to Apply for a Personal Loan:

  • Give us some basic information about yourself.
  • Check your rates and review your loan options.
  • Once lenders invest in your loan, money is deposited directly into your bank account.

That’s it! Your monthly loan payments are fixed and will be automatically deducted from your bank account. There are no hidden fees or prepayment penalties, and your loan’s interest rate will never change.

Get Loan Rates

Telecommunications Consulting Services

DonRiver has a team of experienced professionals that are well equipped to assist you with all of your CRM consulting and development needs.

DonRiver consultants can help you to meet your CRM objectives by:

  • Honing in on the specific business challenges that need to be addressed
  • Reviewing your current business processes and identifying areas that would benefit through improved system interaction and automation
  • Defining new business processes where applicable based on our industry experience and customer relationship management system’s knowledge
  • Designing a CRM system that will serve as an enabler for an improved customer experience
  • Performing iterative system development and configuration, allowing stakeholders to perform hands–on testing and provide feedback & input at every step along the way

Our CRM consultants are experts in working with SugarCRM. We possess a deep understanding of SugarCRM’s modules and are adept at configuring and customizing SugarCRM to suit the needs of our clients.

For all your technology consulting needs contact DonRiver for more information.