How to Avoid Bankruptcy During COVID-19
Are you on the brink of financial ruin? Learning how to avoid bankruptcy is vital because it can reduce your credit score by as much as 200 points. Also, a bankruptcy will stay on your credit for at least seven years.
To avoid bankruptcy, create a sound financial plan. Assess your finances, and cut your expenses.
After, work with your loan providers to get a forbearance or a lower payment. If you’re struggling with business debt, you can avoid company bankruptcy by borrowing additional money or trimming operations.
This article will explain how to avoid bankruptcy and overextending finances. Read further to know more.
Assess Your Finances
Conduct a full assessment of your assets and income. First, determine if you can make payments in the coming months.
Then, list all of your monthly income, including unemployment income. Record your net income as well. Your net income is the amount deposited into your account after deductions (i.e. taxes).
After, add up all expenses in the form of bills, mortgage payments, groceries, etc. Subtract your expenses from your net income. The leftover amount will go toward your debt obligations.
Add all minimum monthly payment debt obligations. Subtract this number from the monthly income.
Develop a Plan
If your debt and expenses exceed your income, strategize for the future. Will you make more money in the coming months? If so, include additional income opportunities in your calculations.
If there are no job prospects on the horizon, look for other moneymaking ventures. Ask yourself two key questions:
- Can you sell anything around the home?
- Can I make extra money from a part-time job or a freelance gig?
You can find many online jobs that will require diverse skills. Further, more companies are offering outsourcing and freelance jobs instead of traditional work opportunities.
Besides additional work, look for ways to save money. If you need clothes in the future, shop at thrift stores. You can reduce your grocery budget each month. Plus, you can look for the best deals wherever possible.
Your local grocery store may provide coupons. You can also search online for digital coupons.
Work with Your Lenders
Officials encourage struggling homeowners to work with their lenders to get relief. If you’re swimming in debt, contact your lenders to work out a payment plan. In many cases, loan providers may put a freeze on your payment schedules.
In response to the covid crisis, many mortgage companies have created relief programs for qualified borrowers. If you have a mortgage, ask your loan carrier if you can apply for a forbearance.
Forbearance means the lender will either suspend or reduce payments. If you get a payment suspension, you can resume payments at a later date, allowing you to improve your financial situation in the meantime.
Refinancing your mortgage is another option. You can refinance your mortgage to get a lower interest rate or payment.
You can come to an arrangement with other lenders that provide:
- Car loans
- Credit cards
- Student loans
- Business loans
In some cases, business loans may be too much of a debt burden. If you’re considering an SBA loan bankruptcy, for example, this option could make sense depending on what type of business entity you have.
If you still feel lost, contact a credit counseling agency for further guidance. A counselor can assess your finances and help you craft a viable path forward.
They can help you create a sound debt management plan (DMP). They can even negotiate a lower interest rate or balance on your behalf.
Seek Help From Your State Government
Unfortunately, the federal government has no mortgage relief program for homeowners who don’t have a government-backed mortgage. However, you may find relief from state or local governments.
Some utility providers are offering relief for struggling customers. For instance, states like California are offering payment-assistance services for utility bills.
Borrowing money can be tricky, as you don’t want to add more debt during this difficult time. If you must borrow money, you can take out a line of credit if you have equity in your home.
In some cases, you could borrow up to 85% of your home’s value. You can use the money to pay off debts and other obligations.
Borrowing from Family and Friends
If you don’t feel comfortable borrowing from institutions, family and friends can help you. They may also give you money as a gift.
If you need to borrow money, you’ll be in a better position dealing with people you know. However, note the agreement in writing. Also, outline the payment plan and the loan terms.
Tap Into Your Savings
You can withdraw money from your retirement account, but you could face a penalty or a higher tax bill. If you withdraw money from an IRA before 59, you could face a 10% penalty on the amount withdrawn.
Consider the IRA option if you must pay short-term expenses. Moreover, use any savings that you have.
How to Avoid Bankruptcy the Right Way
If you want to know how to avoid bankruptcy, try to save money wherever you can. You can reduce your grocery or entertainment budget. Cutting expenses can get you through hard times, especially if you foresee a better future in the coming months.
You can also contact your lenders to work out a short-term or long-term payment plan. For additional help, contact your state government to see if local relief programs are available.
Interested in reading more? Read more on our blog to gain insight into other topics.
Exploring the Benefits of Shopping for Tobacco Online
Shopping for tobacco products has long been a controversial topic. With the rise of the internet, however, it has become easier than ever to purchase tobacco products online. This article will provide an overview of online tobacco shopping, with a focus on the benefits and potential risks associated with buying tobacco products online. We will also provide tips on how to shop safely and responsibly when purchasing tobacco products online.
Overview of Online Tobacco Shopping
Online tobacco shopping has become increasingly popular over the past few years. With the convenience of the internet you can easily buy the original and best tobacco products from reputed Online Tobacco Shop, it is now possible to purchase tobacco products from a variety of online retailers. Shopping for tobacco online can be a great way to save money, as well as access a wider selection of products than what is available in stores.
Benefits of Online Tobacco Shopping
Shopping for tobacco online comes with many benefits. First and foremost, it is incredibly convenient. Shopping online eliminates the need for a trip to the store, as well as the time it takes to find and purchase a product. Additionally, shopping online often means lower prices than in-store purchases. Online retailers typically have a wide selection of products, meaning you can find exactly what you’re looking for without having to compromise.
Advantages of Shopping for Tobacco Online
As mentioned above, one of the most significant advantages of shopping for tobacco online is convenience. You can shop from the comfort of your own home, and have your products delivered right to your doorstep. Additionally, it is much easier to compare prices and products when shopping online. This makes it easier to find the best deal possible.
Another advantage of shopping for tobacco online is that the prices tend to be lower than what is available in stores. Many online retailers offer discounts and promotions that can help reduce the overall cost of a purchase. Additionally, online retailers often offer free shipping, which can further reduce the cost.
Finally, shopping for tobacco online provides access to a much wider selection of products. Online retailers typically have a much larger selection of products than what is available in stores. This makes it much easier to find the specific product you’re looking for.
Suggestions for Shopping for Tobacco Online
Research Reputable Sellers
The best way to ensure a safe and successful shopping experience when purchasing tobacco products online is to research the seller. Look for reviews and ratings on the retailer, and make sure that the company is reputable. Be sure to read the terms and conditions of any online retailer before making a purchase.
Be Aware of Shipping Times
When shopping for tobacco online, be sure to factor in the shipping times. Some retailers may offer faster shipping options, but there may be additional fees involved. Be sure to check the estimated delivery date provided by the online retailer before making a purchase.
Check the Seller’s Return Policy
Finally, make sure to read the seller’s return policy. This will provide important information regarding refunds and returns if a product is unsatisfactory. Knowing the return policy can help ensure that you will be able to receive a refund or exchange if necessary.
Shopping for tobacco products online can be a great way to save time and money. However, it is important to be aware of the potential risks associated with online shopping. Researching the seller, being aware of shipping times, and checking the return policy are all important steps to take when shopping for tobacco online. Taking these steps can help ensure that you have a safe and successful shopping experience.
Personalize Your Custom Keychains With Custom Stickers
Are you looking for some ways to personalize your custom keychains? Then, you should look into custom stickers. With the right design and sticker, your keychains will look like something out of a magazine. You can even put a message on the sticker – a perfect gift for the holidays! Here are some great ideas. Hopefully, you’ll be inspired to create your own customized stickers! If so, you’ll be glad you did!
Die cut stickers
If you have an idea for a custom keychain, you can choose die cut stickers to include your design. When choosing a design for die cut stickers, make sure it fits the dimensions of the display area. The more custom items you order, the cheaper they will be per sticker. You can choose from a variety of different shapes and sizes, depending on what type of design you’re after. You can also upload your own design, but remember to keep in mind that a custom die-cut sticker is not suitable for the majority of customers.
The benefits of die cut stickers are numerous. First, they are easy to create, and you can use any design you’d like. You can use them to showcase your brand logo or event. A custom keychain can make the ideal giveaway, too. Lastly, you can design any custom shape or logo you want! The possibilities are endless. Die cut stickers are also great for marketing your business. Not only do they look great, they are also a great way to promote your company’s image.
There are many benefits of vinyl keychain stickers. They last a long time and don’t fade like paper stickers. Vinyl is also waterproof and oil proof, making them durable even in extreme weather. The most common types of vinyl are white matte and gloss, which are ideal for personal care products, but clear vinyl is also an excellent choice for glassware and aluminum products. Regardless of what your needs are, you can find the perfect stickers for you!
The vinyl design you choose will depend on the type of acrylic key chain you’re working with. When selecting vinyl, you want to be sure to choose a solid color vinyl rather than patterned vinyl. Solid colors will show through on both sides, so make sure to choose vinyl with solid colors. The vinyl design is applied using transfer tape to an acrylic key chain blank. If you’re using a polycarbonate blank, you’ll need to remove the coating to use transfer tape.
A unique way to spice up your business logo, event or giveaway, holographic stickers are a fantastic addition. They catch the eye with different perspectives and light. Holographic stickers can be used on virtually any surface and can be printed in any shape and size. Choose from a variety of shapes and sizes to create a unique keychain. Regardless of your intended recipient, holographic stickers will be sure to get their attention.
Customized printing is another great option. Depending on what kind of sticker you’re creating, you can choose any color you like. You can even print on the back of the sticker. The holographic effect will remain a lasting reminder of your custom-made keychains. And because they’re not UV resistant, they’re great for indoor use. Holographic stickers are easy to apply and remove and can be printed on a variety of materials, including metal, plastic, leather, and even plastic.
Using glitter stickers as a way to personalize your custom keychains is a great way to make a lasting impression. These stickers can be purchased online for a reasonable price and will add a touch of sparkle to your brand. They are made with quality materials and can be delivered within five business days. If you’re ordering in bulk, you can take advantage of additional discounts if you buy more than 50 stickers.
Choosing a good supplier is vital if you’re planning to use these stickers on your custom keychains. Not all online shops can offer good quality stickers, which makes the process of purchasing them a little more complicated. You may want to consider buying stickers from a local source to ensure the quality of the product, but there’s no guarantee of quality or sturdiness. Stickers from a local online store will never set as smoothly as these ones will.
To transfer the stickers to the keychain, first cut the vinyl to the desired shape and size. If you’re using glitter, you should use a glossy vinyl and a strong grip transfer tape. Choose strong grip tape if your vinyl has texture, as it will be harder to remove. Make sure that the vinyl is dry before applying the decals. Make sure the vinyl is facing up and the glitter is facing up so that it doesn’t shift.
You can use a variety of different types of clear stickers to personalize your keychains. For outdoor use, the back adhesive is best. The adhesive is on the backside of the design so that it sticks to the outside surface. The front adhesive is on the front of the sticker so that it faces outwards. In general, the back adhesive is more secure than the front adhesive. However, if you’re only looking for a way to customize the front of your custom keychain, a front adhesive is best.
If you’re looking for a way to personalize your custom keychains, clear stickers are an excellent way to do it. Stickers have become a popular way to decorate products. They can be used on virtually any surface. You can use them as labels for products or to brighten up your office. There are many benefits to using custom stickers and choosing the right one for your product is easy.
Stickers make anything look better, so why not personalize your keychains with a favorite design? You can get hundreds of designs and sizes for stickers. These stickers can be placed on just about any surface, and you’ll be surprised how quickly they’ll stick to your custom keychains! Stickers can make any object look better than before, and you can even use them on your keychains for security.
Best Teeth Whitening Clinic in Dubai
If you’re looking for the best teeth whitening clinic in Dubai, you’ve come to the right place. There are a few different choices out there, and each has its own set of pros and cons. Ultimately, you’ll want to choose the clinic that’s right for you.
Sky Clinic Dental Center JLT
Sky Clinic Dental Center JLT is one of the leading dental clinics in Dubai. With a team of internationally-renowned dentists and specialists, the clinic aims to provide the highest standards in patient care and oral health. The center offers a variety of treatment options to patients, including cosmetic and preventive services, endodontics, implants and orthodontics.
The clinic’s website provides comprehensive information about its services. Patients can also use the reviews section to find out more about how well the clinic performs its dental procedures. This is especially helpful for people who are considering undergoing teeth whitening treatments.
The clinic’s team of experts uses the latest technology to ensure the best possible results for each patient. Some of the services offered include a variety of tooth whitening, cosmetic dentistry, veneers and metal braces.
American Medical and Dental Clinic
When it comes to a teeth whitening clinic in Dubai, you want to find a center that offers the most effective methods to whiten your teeth. You don’t want to pay more than you have to. The American Medical and Dental Center has just what you’re looking for. They offer fast, easy and effective treatments, including dental veneers.
There are numerous dental care centers in Dubai. It can be difficult to choose one, but the best ones offer quality and affordable care. These dental centers provide risk-free surgeries and fast recovery. Whether you need a filling or an extraction, you can be sure you’ll get the help you need at a price that you can afford.
DR Paul’s Dental Clinic is a premium multi-specialty dental center in Dubai. It has been providing quality dental services for over fifteen years and is considered one of the premier providers of dental care in the region. This clinic also has a large selection of dental treatments, including root canal treatment.
Crossroads Dental Clinic
Crossroads Dental Clinic is one of the leading dental practices in Dubai. It is located in Deira, near the city center. The clinic provides a wide variety of teeth whitening and other dental treatments.
It offers a stress-free environment to its patients. Moreover, the team of professionals at the clinic uses advanced technologies. They have a large team of expert dentists, prosthodontics, and cosmetic surgeons. These professionals have vast experience in all fields.
It also boasts a high success rate. With the help of dentists and prosthodontics, the team ensures a smooth and effective treatment process.
It is a multi-specialty dental practice that focuses on the comfort of its patients. Apart from teeth whitening, it also offers root canal treatments, gum treatment and other oral health care procedures.
German Dental Oasis
German Dental Oasis is one of the most reputed dental clinics in Dubai. It has a wide range of services, including teeth whitening and dental implants. This dental clinic provides a calm environment for patients.
Dentists at German Dental Oasis are experts at teeth. They use sterilized dental tools. In addition, they run their own laboratory. The technicians are also very committed to their jobs.
Before visiting any dental clinic, make sure you check out its reviews. These can help you learn about the quality of the treatment and its overall effect on clients. Also, a good dentist should have information available on his or her website.
You can easily find the dental clinic that offers the most affordable dental treatment. Some clinics charge AED 200 for a consultation. However, if you require specialized treatment, the fee may vary.
Beyond the take-home touch-up kit
If you are looking to get your teeth whiter, you have a few options. You can have them professionally done or opt for one of the many home-based products on the market. The latter might require a bit of diligence on your part. But the results are sure to please.
A good tooth whitening system should provide you with a number of benefits. First and foremost, it is a good way to improve your smile’s overall appearance. In addition, your dental health is boosted in the process. It is also a pain-free procedure. And, the results last for years with routine cleaning. Depending on the dentist, your whitening regimen may involve a combination of treatments or even a single touch-up.
Among the various methods of achieving your pearly whites, the best and most effective method is an in-office treatment. During this time, you are supervised by your dentist. They will remove hardened plaque and apply a protective gel layer.
Best Wattpad Stories That Were Adopted For the Screen
If you are an avid reader on a budget, we do not have to introduce you to Wattpad. In the world of fanfics, original books, translated books, manga, and iconic romance novels, Wattpad is an online platform where the only currency is words. Although, as a self-publishing platform, the quality might not be as good as published books; but once you are hooked, there is no going back. Fiction, history-based novel, contemporary writing, classic romance, you name it and somewhere a teenager will be writing it for you to share on Wattpad.
From teenage writers filling their empty days with enchanting words to adults trying to find an escape from hectic desk jobs, you will find readers and writers from all over the world. Wattpad takes pride in building a solid community for readers, writers, and literature enthusiasts.
For a long time, Wattpad writers were mocked and looked down upon by professionals. Writers would write under pen names just to get their words out. This anonymity offered the writers a platform where they could experiment with explicit content, fake names, twisted storyline, and fantasy-based toxic relationships. Eventually, the writers polished their expression and storytelling skills to make it to the professional level.
Crisp and clean plots, some contemporary perspective, and gripping expressions, you will find some gems that are far too captivating to be ignored. With constant appreciation from the readers, these books were picked by publishing houses and were converted into movies and TV series.
To watch these movies and read these books, you just need good internet and some alone time. If you are struggling with your internet or want to switch to a good internet provider, you should explore Spectrum Internet en Español.
Wattpad Stories That Were Adopted For the Screen
Wattpad is filled with crazy stories with an emphasis on the fanfiction department. These fanfictions, later, go through extensive revisions and edits by professionals for storyline evolution. These revisions help in cutting down toxic references to make these stories more palatable for the general audience.
If you are also looking for fun Wattpad stories that were adopted for the screen, here are some of the best picks.
Available on: Amazon Prime, Apple TV, Google Play, and Vudu
Genre: Romance, Thriller, and Drama
Writer: Anna Todd
Synopsis: A young woman with a well-planned future enters her dream college only to meet a reckless young boy who turns her life upside down.
“After” was a Harry Styles fanfiction that was later adopted for the movie series with the same name. The story might seem a little toxic and problematic; in fact, readers were shocked that fanfiction with such an intense plot could be used for the big screen.
If you have read the book before, you might notice some basic changes but the plot and concept are the same. The editing of a few problematic scenes was deliberate, just to tone it down for the general audience. However, even with so many changes, you can still notice a hint of toxicity.
The Kissing Booth
Available on: Netflix
Genre: Romance, Drama, and Fiction
Writer: Beth Reekles
Synopsis: Two long-term best friends face major conflict over a relationship that shakes their friendship to the core.
The Kissing Booth is a very cliché story of two best friends. However, the story changes its dynamic as the handsome brother enters the dynamics. Laced with betrayal, new lessons, and a progression of relationships, The Kissing Booth is a gripping story that offers a peek into teenage evolution.
For people who hold platonic bonds and friendships close to the heart, The Kissing Booth offers a very promising and fresh perspective. The only issue is that The Kissing Booth is a trilogy, so it might eventually feel like a drag.
Through My Window
Available on: Netflix
Genre: Thriller, Romance, and Drama
Writer: Ariana Godoy
Synopsis: A young woman obsessed with her neighbor finds a way to entangle him into a messy relationship.
The original Spanish story, “A Través de Mi Ventana,” has a supernatural perspective that is missing in the movie. The story revolves around two neighbors finding their way to each other via a shared Wi-Fi password. Gentle, messy yet gripping, the story maintains its true essence until the end.
The main leads in the “Through My Window” story were inspired by a Greek god and a witch, however, there is no reference to that in the movie. With some teenage drama, the characters were shuffled to fit the teenage romance genre without destroying the original plot is intact.
Light as a Feather
Available on: Hulu
Genre: Thriller, Horror, and Supernatural
Writer: Zoe Aarsen and R. Lee Fleming Jr.
Synopsis: A fresh off-the-board student invites four class fellows to play a fun game on Halloween, which soon turns into mysterious events leading to death.
If you are a horror movie enthusiast and you think that younger writers cannot move on from romance, this series will change your perspective.
From a gripping story to a strong plot and epic cinematography, this TV series is too good to be missed. With the right use of technology, teen lingo, and pop cultural references, this story checks all the right boxes for full-packed entertainment.
Available on: Vidio
Genre: Drama, Romance, and Fiction
Writer: Keke Mayang and Ve Handojo
Synopsis: A young troubled man who despises love due to unfortunate events ends up getting married to his employee who helps him recover his faith in romance.
If you are a poor-girl, rich-man concept fan, this series will be a treat for you. A very promising series for people who like romance, “Turn On” offers a very different perspective of the damsel in distress.
Although some people might complain about the repetitive concept, the rating and viewership of the series prove otherwise. With exceptional character development, the series does not feel dragged instead, it is a fast pace with a lot of fun twists and turns.
The majority population might feel like Wattpad is not the right platform to drive inspiration for digital content. However, sometimes, amateur writers offer a fresh perspective that is hard to miss. With a solid readership and a good plot, these amateur writers prove that content is indeed the only criterion.
Microsoft australia india 3.5mburtonprotocol
Microsoft australia india 3.5mburtonprotocol has been known for a lot of things. One of the most important things is that it’s a very well-known company with millions of customers around the world. It is a very big company with many different products, and there are plenty of different kinds of jobs available for people who are interested in working there. For instance, you can work as a software developer in the United States, or you can work in India.
Cybersecurity jobs in Australia
The Cyber Security industry is one of the most rapidly growing industries worldwide. It is expected to be worth US$250 billion by 2026. This demand is driving a huge increase in the number of cyber security jobs in Australia.
These roles range from technical to public service. Many organizations are looking for cybersecurity professionals, including banks, health care providers, and investment firms.
Cybersecurity jobs require professionals with a variety of skills and qualifications. They must have a deep understanding of computer systems and be able to identify and assess vulnerabilities. Having a certification in the field will validate your expertise to employers.
In addition, cybersecurity professionals are required to have excellent communication skills. This is a particularly important skill for leaders in the field.
Whether you are considering a career in the cyber sector or are currently employed in this field, you will need to ensure that your resume highlights your transferable skills. Employers want to know that you can perform the job successfully, and that your qualifications and experience are relevant to the role you are applying for.
Cybersecurity jobs in India
In its efforts to expand its reach to India, Microsoft has started a Cybersecurity training campaign in the country. With this, the company is hoping to fill the void and place 250,000 people in the cybersecurity workforce by 2025.
The cybersecurity industry is expected to create 3.5 million jobs worldwide by the end of the decade. While some tech analysts and cybersecurity associations may be off on the number, the industry is growing rapidly.
It is estimated that a full-time cybersecurity job in India could earn up to $400,000. There are many cybersecurity roles, including application security, incident management, network security and ethical hacking. These jobs require a variety of skills, including cryptography, risk assessment and articulating complex subjects.
However, women are not as represented in the field as men. According to a recent study, 53 percent of women working in cybersecurity say they have experienced some sort of gender discrimination. This includes tokenism, overt bias and delayed career advancement.
Job opportunities at Microsoft in Australia
Microsoft is one of the world’s largest software companies. Their product suite includes Windows, Xbox, Xbox One, Windows Phone and Skype. They are also a big player in the smartphone market, competing with Apple and Nokia. However, in recent years they’ve faced challenges.
In an effort to make its products and services more consumer-friendly, Microsoft is making major changes to its sales and marketing arm. Its plans include cutting 13,000 jobs. These cuts will affect executives and marketing teams around the world.
On Monday, Microsoft told its employees that it will be reorganising its sales and marketing team. According to a statement on the firm’s website, the move was intended to streamline processes and better serve customers. While the exact details are still being kept under wraps, Bloomberg reported that the restructuring would be driven by greater technical expertise and an increased focus on cloud computing.
As a result, the company is looking for individuals with high-tech skills, a passion for technology, and the ability to adapt. Applicants can apply online, via LinkedIn, or at the Microsoft website.
The company looks for people who can work well in a collaborative environment, and have a good understanding of its core values. Microsoft also supports staff who are parents, members of particular ethnic groups, or disabled. Employees can expect free personal insurance and a flexible working schedule.
Microsoft Australia has an office in the heart of North Sydney. This location offers a flexible workspace with panoramic harbour views. There’s also easy access to public transport and a network of safe cycle paths.
Microsoft recruits graduates in many different fields. Depending on your background, you may be hired as an individual contributor or a manager. You could work in different locations, such as the company’s headquarters in Redmond, Washington, or in a Microsoft office in Australia.
Graduates will have a rewarding career path. The company offers internships and tech training opportunities. If you’re interested in working in the IT industry, a Microsoft internship is a great way to get started. After completing the program, you’ll have a chance to be considered for full-time positions in a competitive graduate program.
Microsoft also has a number of programs for female school students to attend tech conferences. These include a program that allows young women to be trained for careers in computer science, and one that allows students to attend conferences to learn more about their field.
Microsoft has no discrimination on the basis of gender, race, or sexuality. In fact, the company works to reduce gender imbalance in its workforce. To improve the diversity of its workforce, Microsoft supports staff who are parents, members of particular racial and ethnic groups, or disabled.
Microsoft Australia is also investing a lot in developing every student. This includes giving priority to interns when hiring new graduates. The company’s office also hosts events to help people find careers.
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