Trouble-Free Products In Personal Bankruptcy In The UK | Fashion ...

Making the choice to file for personal bankruptcy is something that many find difficult, if not excruciating. But, armed with the right knowledge and information, it is possible to view the process as the best way to achieve a needed fresh start in your personal finance, and not something that must be dreaded. Put the tips in this article to work today and gain new perspective on what bankruptcy can do for you.

Talk to your children about what is going on. Bankruptcy can be extremely difficult for you and your spouse to go through, and children can usually sense when mom and dad do not feel right. You don?t have to go into detail, but give them an overview about what is happening. This way, you can teach them how to avoid bankruptcy, and how to cope with stressful news in a healthy way.

While you may be tempted to put-off filing for bankruptcy for as long as you can, it would be best not to. Waiting will just mean that you?re burdened by your financial woes for longer, and will mean you won?t be able to recover as quickly. File right away so that you can start to get your credit back on track.

Make sure you list all of your assets and all of your creditors when filing for bankruptcy. If you are dishonest, your trustee will discover it, and your bankruptcy case can be dismissed with cause. The more you disclose, the more likely you are to get the outcome that you are looking for.

Stay positive. It can be really hard to stay positive when you are filing for bankruptcy, but a positive outlook can make everything seem to run more smoothly. Being angry and upset will not change the reality of the situation, so try to make the most of things. You will, at least, be able to feel better. Browse www.oxygencreative.co.uk for current recommendations.

Once bankruptcy rears its ugly head, it?s important that you start multi-tasking with your financial matters. You can and should negotiate with your creditors at the same time you begin preparing for bankruptcy. Many bankruptcy attorneys are willing to start your preparations for a very modest fee, and this can make an excellent ?safety net? for you while you negotiate.

If you are filing bankruptcy mainly because of credit card debt, you may want to consider debt settlement. Credit card companies know that if a person files bankruptcy, they will get little or no re-payment for the debt that person owes. However, if you ask to settle with them for 50 per cent of the total debt, they will at least get some of their money back. It?s worth a try!

In recent years, the topic of personal bankruptcy has taken on increased significance, as a result of the financial crisis. An incredible amount of discussion and debate has centered around how, when and why an individual consumer might consider filing a bankruptcy petition. Investing the time necessary to sift through the noise and educate yourself about the process can be the smartest financial decision you can make. Apply the concepts in this article to your circumstances, and you may be able to begin anew with a clean financial slate.

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China poised to accept first-ever non-animal test method for cosmetics

Public release date: 9-May-2012
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Contact: Colleen OBrien
ColleenO@peta.org
757-622-7382
People for the Ethical Treatment of Animals

PETA grant enables scientists to guide Chinese officials in non-animal test use

Norfolk, Va. -- Chinese officials are in the final stages of approving the use of the country's very first non-animal test method for cosmetics ingredients, thanks to guidance from scientists funded by PETA. The 3T3 Neutral Red Uptake Phototoxicity Assay, which tests chemicals for their potential toxicity when they come into contact with sunlight and is already in widespread use in the U.S. and the E.U., is scheduled to be accepted in China by late summer. Until now, China has required cosmetics companies to test ingredients and products only on animals.

PETA awarded a grant to scientists at the Institute for In Vitro Sciences(IIVS) late last year after learning that China was requiring cosmetics companies Avon, Este Lauder, and Mary Kaywhich had been on PETA's list of companies that don't test cosmetics on animals for decadesto pay for tests on animals in order to market their products in China. Scientists from IIVS traveled to China several times to offer their expertise and guidance.

"We're delighted that this grant has helped jump-start the acceptance of non-animal tests in China and grateful to Chinese officials for being so open to these discussions," says PETA Vice President of Laboratory Investigations Kathy Guillermo. "We congratulate them for acting swiftly to implement the first of several available non-animal tests."

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For more information, please visit PETA.org.

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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 9-May-2012
[ | E-mail | Share ]

Contact: Colleen OBrien
ColleenO@peta.org
757-622-7382
People for the Ethical Treatment of Animals

PETA grant enables scientists to guide Chinese officials in non-animal test use

Norfolk, Va. -- Chinese officials are in the final stages of approving the use of the country's very first non-animal test method for cosmetics ingredients, thanks to guidance from scientists funded by PETA. The 3T3 Neutral Red Uptake Phototoxicity Assay, which tests chemicals for their potential toxicity when they come into contact with sunlight and is already in widespread use in the U.S. and the E.U., is scheduled to be accepted in China by late summer. Until now, China has required cosmetics companies to test ingredients and products only on animals.

PETA awarded a grant to scientists at the Institute for In Vitro Sciences(IIVS) late last year after learning that China was requiring cosmetics companies Avon, Este Lauder, and Mary Kaywhich had been on PETA's list of companies that don't test cosmetics on animals for decadesto pay for tests on animals in order to market their products in China. Scientists from IIVS traveled to China several times to offer their expertise and guidance.

"We're delighted that this grant has helped jump-start the acceptance of non-animal tests in China and grateful to Chinese officials for being so open to these discussions," says PETA Vice President of Laboratory Investigations Kathy Guillermo. "We congratulate them for acting swiftly to implement the first of several available non-animal tests."

###

For more information, please visit PETA.org.

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

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Make Sure Your Small Business Strategy Comes With An Web ...

For that experienced practitioner, online marketing can provide a great cash flow. You will have a countless level of possibilities for organization ventures on the Internet. Nevertheless, they will all require a sincere hard work from you. Utilizing our limited time sensibly is incredibly important. Keep on onto the post listed below for some valuable personal time management suggestions when attemping to market your organization.

It is usually crucial that you analysis numerous opponents if your web enterprise is always to become successful. Have a look at sites of other enterprises within your selected industry, and see exactly what can be enhanced. If you location providers which can be lacking on other web sites, highlight these services on the site so you can stick out amid your competition.

Think of fun, intriguing and unusual approaches to provide your clients prizes. A wise idea would be to hide conditions in a post, and inform customers to locate them. Make sure to offer you them cost-free prizes or savings when they do. Buyers will be more cozy purchasing from you if they notice that you pay attention to their tips.

Flashy internet sites look nice, but prevent creating your internet site too distracting. Remember that customers usually take several secs to choose if they are likely to remain an internet site or otherwise not. Utilize this knowledge to create a site which will tempt these people to continue to be. Anymore, along with your potential site visitor is going to move on.

While you are creating your internet site, you have to make it quite information relevant and complete. You should give full attention to creating the data of the consumers therefore they are knowledgeable concerning their purchase. Will not consist of info or information that are inconsequential or which could not attention your potential customers.

Continue to keep a listing of shoppers who have purchased in you and later on send out an internet catalog or email, supplying other things they may be considering. Usually inform them you appreciate their company and encourage upcoming transactions. Clients who have bought a cooking manual, for instance, need to acquire links for some other cookbooks and cooking food-associated materials which you offer. Your sales will definitely boost if you tailor your tips to previous buys.

Create an area for clients to distribute product critiques and remarks relating to your products. With truthful opinions, it is possible to increase your item offerings. Furthermore, potential clients can purchase with assurance reading reviews created by other people who have previously bought the things and also have provided their views.

When advertising or giving something, make sure to consist of a number of words and terms that assure fast gratification. As an example, inform them of how quickly they may acquire a product, how rapidly the item will reach them, or how quickly this product will provide them with outcomes. What this means is configuring your web site for more quickly downloads, refining your check out approach to the very least quantity of mouse clicks while maintaning great stability, and delivering instant electronic mail acquire confirmations to consumers.

Consider creating proposals to many other online-centered businesses on ways to combine products and offer special offers to the buyers. It is possible to link collectively accounts and make your sales go up. Locate an agent on the web to assist you get the best deal on journey necessities. This strategy works best with integrating businesses that have items which supplement and reward each other. Don?t do this approach with businesses you will be in competition with.

Your ad need to combine the term ?constrained.? Consumers change to the net simply because they seek products outside of exactly what the shops they may physically head to may offer them. They wish to purchase something that is unique and different. If anything can be a limited edition, men and women recognize that it?s gonna sell out easier and they are likely not moving in order to discover some thing comparable in other places.

An effective firm brand name and slogan are very important to making brand name recognition. This really is a strategy to help your potential customers understand your brand. A client may possibly recall an excellent slogan for the long run. The very first thing the client thinks about whenever they imagine your goods might be the motto.

Here?s some advice for your personal web marketing attempts. Make certain your prospects have assurance within your web site! Set an internet site-vast backlink to your online privacy policy at the very top proper area of your internet site. The process will provide website visitors self confidence that you perform enterprise in the risk-free way. Ensure that your clients are becoming resistant to identity fraud while they are making use of your professional services.

It is wise to use email marketing as being an advertising technique. Put together persuasive e-newsletter that may engage your customers whilst supplying all of them with useful details. You must make sure the customer is aware of you might be giving them important information and facts, as an alternative to spammy. These e-mail will permit your prospects understand that you value their enterprise.

As has become exposed before, online marketing is definitely an awesome approach to get in touch with consumers as well as to provide focus on your small business and products. The possibilities are endless as well as the advantages are huge. By utilizing the information within the write-up, you are able to build your client base and provide new recognition for your business.

If for any reason you would like added details about multi level marketing opportunities check out Noelia H. Froemming?s site there?s loads of points not detailed on this page, find those details on Author?s website to locate further information.

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Brain Scans Show What Dogs Are Actually Thinking About [Video]

It's human nature (and human folly) to pretend like we know what our dogs are actually thinking about. Oh, he's happy! Oh, he's tired! Oh, he loves this! That's not exactly a scientific way to look at things. Brain scans, however, are super scientific. So scanning the brains of dogs means its possible to know what dogs are really thinking. More »

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Kyl: Senate GOP will block White House student loan bill (CNN)

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Giveaway: A Rockabye Baby CD Gift Set (a $170 Value!)

Enter for your chance to win an amazing CD gift set from Rockabye Baby in our giveaway this week.

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Biden endorses same-sex marriage, White House tries to take it back (Americablog)

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HTC One V arriving in the US 'this summer'

HTC has announced that it'll be showcasing the One V at CTIA this week, but also, more importantly, that the final piece of the One family puzzle will arrive on "a variety of US partners later this summer." Nothing more concrete than that at the moment, although we reckon a handful of regional carriers might be tempted to stock the hardy Legend tribute smartphone.

HTC One V arriving in the US 'this summer' originally appeared on Engadget on Mon, 07 May 2012 10:28:00 EDT. Please see our terms for use of feeds.

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European Space Agency to explore Jupiter's moons (+video)

The ESA has given the go-ahead for a solar-powered space probe that will examine the icy Jovian moons of Ganymede and Europa, along with Jupiter's upper atmosphere.?

The European Space Agency has given the go-ahead for an exciting mission to explore the icy moons of Jupiter, as well as the giant planet itself.

Skip to next paragraph This movie shows Ganymede, Jupiter's largest moon, as it ducks behind the giant planet. Astronomers combined a series of images taken with the Wide Field Planetary Camera 2 aboard NASA's Hubble Space Telescope to make the 18-second movie. The 540 movie frames were created from Hubble images taken over a two-hour period on April 9, 2007.

credit: NASA, ESA, E. Karkoschka (University of Arizona), and G. Bacon (STScI)

JUICE???JUpiter?ICy moons?Explorer ? will consist of a solar-powered spacecraft that will spend 3.5 years within the Jovian system, investigating Ganymede, Europa and the upper atmosphere of Jupiter. Anticipated to launch in June 2022, JUICE would arrive at Jupiter in early 2030.

As its name implies, JUICE?s main targets are Jupiter?s largest icy moons ? Ganymede and Europa ? which are thought to have liquid oceans concealed beneath their frozen surfaces.

The largest moon in the Solar System, Ganymede is also thought to have a molten iron core generating a magnetic field much like Earth?s. The internal heat from this core may help keep Ganymede?s underground ocean liquid, but the dynamics of how it all works are not quite understood.

JUICE will also study the ice-coated Europa, whose cueball-smooth surface lined with cracks and jumbled mounds of frozen material seem to be sure indicators of a subsurface ocean, although how deep and how extensive is might be are still unknown ? not to mention its composition and whether or not it could be hospitable to life.

?JUICE will give us better insight into how gas giants and their orbiting worlds form, and their potential for hosting life,? said Professor Alvaro Gim?nez Ca?ete, ESA?s Director of Science and Robotic Exploration.

The JUICE spacecraft was originally supposed to join a NASA mission dedicated to the investigation of Europa, but NASA deemed their proposed mission too costly and it was cancelled. According to Robert Pappalardo, study scientist for the Europa mission based at JPL,?NASA may still supply some instruments for the spacecraft ?assuming that the funding situation in the United States can bear it.?

JUICE will also capture images of Jupiter?s moon Callisto and search for aurorae in the gas giant?s upper atmosphere, as well as measure the planet?s powerful magnetic field. Once arriving in 2030, it will spend at least three years exploring the Jovian worlds.

Read more in today?s news release from?Nature, and stay tuned to ESA?s JUICE mission page?here.

Jason Major is a graphic designer living in Dallas, Texas. He writes about astronomy and space exploration on Universe Today and also on his blog?Lights In The Dark, Discovery News and National Geographic News.

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President Obama to mark anniversary of Bin Laden's death

He's responded forcefully to Republican claims that it is a "celebration", criticizing Romney for statements from the 2008 campaign.

President Barack Obama gave a steely defense of his handling of the raid that killed Osama bin Laden and his use of it to burnish his re-election credentials a year later, saying Monday that it is appropriate to mark an anniversary that Republicans charge is being turned into a campaign bumper sticker.

Skip to next paragraph

He then jumped at the chance to portray presumed Republican presidential challenger Mitt Romney as unprepared to make the kind of hard call required to send U.S. forces on that highly risky mission. Without mentioning Romney by name, Obama recommended looking at people's previous statements on the manhunt for the 9/11 mastermind.

Obama's re-election team has seized on a quote from Romney in 2007, when he said it was not worth moving heaven and earth to go after one person. On Monday, Romney said he "of course" would have ordered bin Laden killed, but his campaign criticized Obama for turning the successful death raid to political gain.

"I assume that people meant what they said when they said it," Obama said at a White House news conference. "That's been at least my practice. I said that I'd go after bin Laden if we had a clear shot at him, and I did. If there are others who have said one thing and now suggest they'd do something else, then I'd go ahead and let them explain it."

Obama is using the May 2 anniversary to help maximize a political narrative that portrays him as bold and decisive. Romney has sought to cast Obama as weak and too quick to compromise on other foreign policy matters, including Iran's nuclear ambitions.

Obama and his national security team will be featured in an NBC prime-time special Wednesday night that reconstructs the operation from inside the White House Situation Room. White House counterterrorism chief John Brennan discussed Obama's command of the raid on a Sunday talk show and in a speech Monday.

"The death of bin Laden was our most strategic blow yet against al-Qaida," Brennan said at the Woodrow Wilson International Center for Scholars in Washington.

Credit goes to the special forces who carried out the raid and the intelligence experts who led them to the hideout, Brennan said, "and to President Obama, who gave the order to go in."

Bin Laden was killed in Pakistan by U.S. Navy SEALs. The terror leader was living in a compound outside the capital of Islamabad, having evaded capture for nearly 10 years.

Obama sent in the U.S. forces with no assurance that bin Laden was at the site, leading to a heart-pounding scene in the Situation Room that was captured in one of the most famous photos of Obama's presidency.

"It's unfortunate that President Obama would prefer to use what was a good day for all Americans as a cheap political ploy and an opportunity to distort Gov. Romney's strong policies on the war on terror," Romney campaign spokeswoman Andrea Saul said Monday. "President Obama's feckless foreign policy has emboldened our adversaries, weakened our allies, and threatens to break faith with our military."

Romney was scheduled to appear Tuesday in New York City with firefighters and former Mayor Rudy Giuliani to help mark Wednesday's anniversary of bin Laden's death.

"I hardly think you've seen any excessive celebration taking place here," Obama said at the news conference with Japanese Prime Minister Yoshihiko Noda. His voice was taut and his smile thin.

"I think that people, the American people, rightly remember what we as a country accomplished in bringing to justice somebody who killed over 3,000 of our citizens."

In 2007, Romney told The Associated Press that it was not worth "moving heaven and earth spending billions of dollars just trying to catch one person."

In a debate days later, he clarified the remark: "We'll move everything to get him. But I don't want to buy into the Democratic pitch that this is all about one person ? Osama bin Laden ? because after we get him, there's going to be another and another," Romney said.

Romney was critical of then-candidate Obama's vow to strike al-Qaida targets inside Pakistan if necessary. Obama said at the time that he would be willing to launch military strikes inside Pakistan with or without the government's approval.

Ultimately, that's exactly what Obama did to get bin Laden. The decision outraged Pakistan's U.S.-backed civilian government and fanned anti-U.S. sentiment across the country.

Romney and his advisers suggested Monday that the decision to order the raid was an easy one.

"Even Jimmy Carter would have given that order," Romney said Monday following a campaign appearance in New Hampshire.

Romney probably meant that as a jab at the Democratic record on foreign policy generally, but invoking Carter may actually cloud Romney's message.

Carter demonstrated how dangerous and politically perilous such decisions can be when he ordered an attempt to rescue American hostages held in Iran

The 1980 mission ultimately embarrassed the nation, ending with the death of eight servicemen and the loss of several American helicopters. The hostage crisis lasted more than a year and helped deny Carter a second term.If the bin Laden raid had gone similarly awry, Obama would have been badly damaged by a military debacle on top of the country's economic woes.

A spokeswoman for Carter did not immediately respond to a request for comment.

RELATED: Four oddities in Osama Bin Laden's Compound

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I Lost All My Money Betting On the Windows Phone Horse [Video]

True story: I bet on Windows Phone yesterday and lost. Actually, I bet on a horse named Hansen, a Kentucky Derby contender sponsored by Windows Phone. Hansen turned out to be a disappointing loser. More »

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