Deciding whether or not to declare Chapter 7 bankruptcy can be a complicated decision, involving the careful balance of many factors. For example, even though a Chapter 7 claim can do serious damage to your credit rating and will remain on your credit report for up to 10 years, failing to file for Chapter 7 may result in an even more dire impact on your credit. Why? Because an accumulation of missed payments, penalties, assets forfeiture, and lawsuits can also damage one's credit history, and often, these things can't be as simply explained as bankruptcy. Despite the obvious setbacks, filing for Chapter 7 bankruptcy is sometimes the right move to make, as long as you're aware of the implications and fully understand the procedure involved. In this book, I'm going to take you through the ins-and-outs of filing for Chapter 7 bankruptcy in an easy-to-understand way. I'm also going to help you to assess whether and when you should file for it, how to do it, and what to expect from the process. 1. Language: English. Narrator: Jim D. Johnston. Audio sample: http://samples.audible.de/bk/acx0/117494/bk_acx0_117494_sample.mp3. Digital audiobook in aax.
Are you disappointed with your stock portfolio performance? Does the stock market volatility make you nervous?Tired of chasing after "high flying stocks" only to get burned? Worried you won't have enough money for retirement?What if I told you there was a successful investment strategy that:has beaten the market over the long-term with less volatility andprovides a predictable stream of semi-passive income for you to live off in retirement? That strategy is called Dividend Growth Investing or DGI. By investing in quality dividend stocks, you can build a portfolio of companies that pay you to hold their stock! Plus, you still get to share in the upside through capital appreciation.But that's not all. Once your portfolio is big enough, you can simply live off the dividend payments without having to touch your principal balance. Imagine being able to live off 2% to 5% of your portfolio for decades without having to sell stock or touch your principal! That's the power of dividend investing! With this audiobook, you will learn:Why dividend stocks outperform the market - Dividends stocks have outperformed non-dividend stocks over the decades due to "double compound interest." My exclusive 9 factor checklist to select the best dividend stocks - These are 9 factors I always check for before investing in a dividend stock. They make sure you don't lose money investing in companies that will cut their dividend.How to avoid big losses on investments - Tired of losing big money in the stock market? I'll teach you how dividend investing can help you avoid those losses.How to construct a diversified retirement portfolio - I'll walk you through the step-by-step process to building a diversified dividend portfolio from complete scratch that will perform well in any market environment./li 1. Language: English. Narrator: Andrew Li. Audio sample: http://samples.audible.de/bk/acx0/153486/bk_acx0_153486_sample.mp3. Digital audiobook in aax.
A hard-hitting critique of how managed care and the selective use of science to privilege quick-fix therapies have undermined in-depth psychotherapy - to the detriment of patients and practitioners In recent decades there has been a decline in the quality and availability of psychotherapy in America that has gone largely unnoticed - even though rates of anxiety, depression, and suicide are on the rise. In Saving Talk Therapy, veteran psychologist Dr. Enrico Gnaulati presents evocative case studies from his practice to remind patients and therapists alike how and why traditional talk therapy works and, using cutting-edge research findings, unpacks the problematic incentives in our health-care system and in academic psychology that explain its decline. Beginning with a discussion of the historical development of talk therapy, Gnaulati goes on to dissect the factors that have eroded it. Psychotropic drugs, if no longer thought of as a magical cure, are still overprescribed and shunt health-care dollars to drug companies. Managed-care companies and mental health "carve outs" send these same dollars to administrators and slash payments to therapists, driving many talented ones away and overburdening those who remain in the system. Drawing back the curtains on cognitive behavioral therapy (CBT) - a short-term, goal-oriented form of psychotherapy that is preferred in the managed-care world - Gnaulati shows that, while it might prove effective in the research lab, those findings don't readily apply to people's complex emotional problems. Gnaulati also casts a spotlight on how CBT's favored status in graduate programs prevents trainee therapists from acquiring the relationship skills necessary to caringly and carefully treat patients. Saving Talk Therapy is a passionate and deeply researched case for in-depth, personally transformative psychotherapy that incorporates the benefits of evidence-based practice and psychotropic d 1. Language: English. Narrator: J. D. Jackson. Audio sample: http://samples.audible.de/bk/rand/005460/bk_rand_005460_sample.mp3. Digital audiobook in aax.
Mobile phones and mobile applications are receiving overwhelming attention in the present day technology era. Mobile phones were primarily used to make calls and transmit text messages. Most consumers never expected to use mobile phones for special purpose. Yet few consumers imagined using their mobile phones for snapping pictures, making videos or watch movies. The certainty is that mobile phone is fearless to replace traditional wallet as it does with pages, cameras, TVs and watches. Consumers can now pay for digital and physical goods using their handheld devices, welcome to the NFC technology for mobile payment. NFC is a Near Field Communication technology equipped with a mobile phone that is designed to support one-to-one communications between two NFC-enabled entities (mobile and POS), thereby turning a cell phone into a Near Field Communication (NFC) device that can make payments for contactless transactions (payment, access and ticketing) and many more. In this book, the aim is to present factors influencing the adoption of NFC-enabled mobile payments.
Today, banking is an information-intensive business in which information technology (IT) is increasingly important. Online banking is a term used for performing transactions, payments etc. over the internet through a bank's secure website. This can be very useful, especially for banking outside bank hours and banking from anywhere where internet access is available. Therefore, with the help of the Internet, banking is no longer bound to time or geography. Customers all over the world have relatively easy access to their accounts 24 hours per day, seven days a week. Nevertheless, most of the transactions traditionally occurred at the branch counter. This points out the need for research to identify the factors that determine acceptance of online banking by the customers.
PREFACE: Modernization has led to a great deal of improvement in day-to-day requirements, making living standards more luxurious. Keeping in view the changing and advance scenario, we are focusing to improve the lifestyle of farmers and milk collection system. This will prove a great boon in the field of agriculture that forms the backbone of any nation. Dairy farming is worldwide joint business venture of farmers. Dairies collect milk from farmer s everyday & payments for this milk are done according to the rates per liters. This rate depends on various factors like weight, FAT, CLR & SNF of the milk. To achieve these objectives we have developed a system that will measure these parameters and calculate the payment automatically. The system consists of two units, one unit is placed at milk collection centre (MCC) that consists sensors, microcontroller, LCD, card connector & keypad as main elements. This unit collects data & stores it in a memory card given to the farmer. The other unit is at cash counter (CC) also consists of microcontroller which reads the data from memory card & sends it to PC where calculation of bill is made for making payment to the farmer.
Since 1980, the Zimbabwean economy has not performed well, characterised by averagely declining levels of growth and often recording negative economic growth in some years. Various explanations have been provided by different scholars including statism (Midgely, 1987, Gilman, 2006), excessive government spending (Fan and Rao, 2003), poor economic governance and a series of wrong policy choices (Gilpin, 2008). The study focused on determining the resource allocation to the three sectors of the economy (safety and security, social and economic), as well as analysing the nature of the spending between operational and capital investment. The study found that declining capital investment, huge defence budget and transfer payments, were among factors that reduced the influence of government expenditure in driving economic growth in Zimbabwe. Key recommendations included budgetary reforms aimed at reducing large defence spending and size of the public sector, and direct limited fiscal resources towards the economic sector through capital investment, human capital development and knowledge processes as the imperatives for sustainable long-term growth.
Agriculture plays an important role in the European economy by producing food, feed, and raw material for many other industries (fibre, biofuels, furniture, etc.). Even though it's share within the economy and employment is continuously decreasing, it can contribute to the trade balance. It was a crucial question whether the Central and Eastern European countries were able to use the significant supports which could help them to maximise their productivity without forgetting about sustainability or environmental protection. Distribution of the payments varied from country to country, as well as national policies, which resulted in different production levels, production structure and international trade performances. Out of the 11 new member states, only 6 have an agricultural trade balance (Bulgarian, Estonia, Hungary, Latvia, Lithuania and Poland). The accession had the greatest positive impact on Poland which transformed from a net importer, into the largest exporter of agricultural goods by 2005. For the Baltic countries, the 2007/2008 global crisis resulted in the same effect, mostly by import decline. Success factors are differing, but the higher level process does matter.