Esküvő

Igen, ez a változás természetesen érinti az esküvődet is, de ha az esküvőipar is szinte percenként fejlődik, ha napról napra újabb ötletek és megvalósítások látnak napvilágot, akkor miért szerveznéd az esküvődet most is úgy, azon az elven, ahogyan tette azt a barátnőd 2 éve vagy tették a szüleid néhány tíz évvel ezelőtt?

Az esküvő szervezést is hozzá kell igazítani a változáshoz!

Nem engedheted meg magadnak, hogy ne legyen tökéletes az esküvőd. De mi kell ehhez? Hogyan érhetsz el fergeteges hangulatot? Esküvő szolgáltatók interjúi között számtalan meglátás olvasható:

"A menyasszonyon és a vőlegényen. Ezt nagyon komolyan mondom! Ők a főszereplők. Mindenki Őket nézi, ha valami nem stimmel velük kihat az egész lakodalomra. Mindig azt mondom: Érezd jól magad, a többi a vőfély dolga! Főleg azoknak szól, akik maguk szervezik az esküvőt. Ezt bővebben a vofelymegoldas.hu oldalon, illetőleg hírlevelemben szoktam kibontani."

"Úgy gondolom legfőképp, az ott szerepet kapó emberek munka végzésén, illetve, kompromisszum, és probléma megoldó képességén!
Természetesen, nem hagynám ki, a vendégek hozzáállását sem, de úgy érzem, ez egy más kérdéskőr."

"Az esküvő egy összetett dolog. Jónak kell lenni a konyhának, a zenének, a vőfélynek. Nem szabad görcsösen forgatókönyvekhez ragaszkodni, ugyanis a forgatókönyveket az élet írja."

Olvasd el Amszterdam esküvői zenekar hogyan vélekedik erről.

The Hidden Cost of Bankruptcy


Bankruptcy is a contentious word for a whole number of reasons. Firstly it relates to a situation whereby a Debtor not being able to satisfy or compound to his Creditors a suitable amount has to turn to the Courts for protection and at the end of the day everyone loses out.

Let me repeat this last fact lest it passes some by. In a Bankruptcy situation no one wins. It is a “lose-lose” scenario. The Debtors by and large lose almost everything he or she owns (unless they are very carefully advised) and the Creditors by and large lose their money because when the Courts, Bankruptcy Trustees etc take their cut there is usually only a dividend of mere pence in the pound at the end of the day.

I hope all petitioning solicitors and lawyers read this with care as they are the ones who are advising all of their clients to sue people for bankruptcy. It is a bit like loading up pistols left right and centre for a “Russian Roulette Fest” it gets nobody anywhere.

In fact having read the last paragraph in more detail I take back my comment about Bankruptcy being a lose-lose situation it’s not, the Lawyers and Accountants make a fortune out of their fees, no one else does.

But there is a hidden cost to all of this that no one is prepared to acknowledge and this includes the knock on cost of ill health brought about by the stress of Bankruptcy. It is the “sleeping elephant” (for want of a more suitable metaphor) in the corner of the room that no one wants to acknowledge but it is certainly there all the same.

Let us analyse part of that “ill health” that we referred to above and that is the area of High Blood Pressure. It is one of the few natural growth phenomena of the late 20th and 21st Centuries and now is assuming almost epidemic proportions. The stress and elevated blood pressure brought about by the comings and goings of bankruptcy and all of the shenanigans that ensue can be lethal and in some cases lead to fatal consequences.

Our Society is so powered by the worship of all things financial that in the “heated blood lust of debt recovery” we seldom stop to consider the hidden human cost to all of this. I have client who as well as his business career being well and truly finished (boy was he badly advised earlier on but that is another issue) but his health, or should I say ill-health, is such now that any job prospects he might have had are now well and truly finished.

Now let us consider who well and truly gains by any of this? The answer? No one and if I can make just one final point it is a plea to any Solicitors and Lawyers who may, just may be reading this article. When you advise clients to pursue matters to Bankruptcy, get your background research carried out properly, do your due diligence well and get it right because at the end of the day as well as well and truly losing the majority of your clients money (which statistics point out is most certainly the case) you also damage the health of the person at the end of the writ.

Do you know the sad thing abut the whole side of this? I bet there is not a Solicitor or Layer who really cares, as long as they get their bonus and their fees, who gives a damn about anybody else?

Chapter 13 Bankruptcy - Stop Mortgage Foreclosure


Stop Foreclosure

Yes, you can save your home!

Using the chapter 13 can strategically help you cure your mortgage default, protect your equity and eliminate your other debts to help you right the ship.

Several years ago, we saw a boom in mortgage lenders offering low adjustable rate mortgages (ARMS) 100% to 110% mortgage loans, and no money down mortgages.

Today, we have seen these ARMS increase from 5% to 8%, 9% or more depending on the lender. Homeowners are being bombarded with a mortgage payment that is almost double than it had been previously before the interest rates have started to rise.

What is a homeowner to do? With the soft real estate market, homes have not appreciated in value, or not enough to allow homeowners to refinance and use some of their equity to help with the higher rates.

Chapter 13 is an option. In a nutshell, consumers can file chapter 13 which will let them catch up on their mortgage payment, interest free. It can also consolidate their other financed items and often save money on the interest rates. Currently, debtors can pay cars, furniture and jewelry back at prime rate of interest or prime +2, or +3. Bankrate.com shows a current prime rate of interest at 8.25%.

Consumers can also consolidate their credit card debt, medical bills and other consumer debts and pay them back, with little or now interest, and often can pay them as low as 10 cents on each dollar owed!By doing this, consumers can cure any mortgage arrears, pay off their secured debt for vehicles and for big ticket financed items, while eliminating their consumer debt. A Chapter 13 bankruptcy can run from 3 to 5 years. This depends on your monthly household disposable income. There are several recent changes to the Bankruptcy Code that can affect this repayment plan. These changes were part of the BAPCPA reform. Therefore, it is crucial to discuss with an experienced bankruptcy lawyer about the various law requirements and qualifications based on your unique situation.

For instance, let’s say Johnny Consumer owns a home worth $100,000 in Chicago, Illinois. Let’s say he has a $70,000 mortgage with the bank, but has fallen $6,000 behind and the mortgage company has started a foreclosure. Johnny was recently out of work do to an injury on the job. He has just went back to work, and sees no way to catch up $6000 any time soon. He has $10,000 in medical bills. He owes $3000 on his car. For our example, let’s say that Johnny makes $3000 per month and takes home about $2100. His mortgage is $700 a month, his car note is $300 and he has $67 left at the end of the month to use to try to catch up with the medical bills and the mortgage arrears.

At first glance, there is no way he can manage this on his own. Under a chapter 13, Johnny can make a monthly payment of $367 to the court. This will allow him to catch up on the mortgage, pay off his car note, and eliminate the medical bills he has. This will only take 3 years. It will protect all of the equity he has in his home and stop the foreclosure!

Therefore, if you are looking to stop foreclosure, and have steady income, Chapter 13 could be a great tool to use. You can always refinance or sell your home while under Chapter 13 if you wish to pay off the bankruptcy and move on with your life. The Chapter 13 stops the foreclosure immediately. Often, your only other option would be to refinance, or enter into a repayment agreement with your mortgage company. All too often, they want a double payment each month until you can catch up. If you had that kind of disposable income, you probably wouldn’t be in this situation in the first place.

Business Bankruptcy - Saving Your Company


Business bankruptcy is a situation in which a business organization has more liabilities than assets and is no longer capable of meeting its financial obligations. Any type of business can file for business bankruptcy.

Business bankruptcy can provide relief to the business owners who are overwhelmed with credit problems and cannot find any other way out of debt. However, business owners must also face the fact of losing one’s business and damaging one’s credit standing and endure embarrassment is a possibility. There is not much stigma attached to Business Bankruptcy because it is, in fact, used by many businesses to restructure their companies.

Though Business Bankruptcy may seem different from personal bankruptcy, they both target the same goal: a way out when all possible solutions fail to alleviate the current situation. When a business or a company is on the verge of forfeiting payments on a debt, it is the sign for an owner or manager to know that the time has come to file for business bankruptcy.

Are there any differences between the different business bankruptcy types?

There are 2 main types of business bankruptcy: chapter 7 and chapter 13, but the latter has more advantages than the former because it is federal bankruptcy, and the law does not require the liquidation of the business itself. As an alternative, the company will have to fulfill paying the debt according to the agreement with the creditors. The company has the chance to recover from the debts and can make profits again. But any decision-making has to be pre- approved by the federal court as the business bankruptcy law stipulates.

Brandon O'Brien is the current manager of a company that filed for bankruptcy after following our professional advice and is currently following making his compulsory payments. Business bankruptcy has helped him regain the company’s financial control and has given him a new way of dealing with the debt problems the company has carried for many years and has not yet solved them.

Brandon O'Brien:
What should I do after filing for Chapter 11 Business Bankruptcy?

James Banks:
Chapter 11 Business Bankruptcy allows the company to keep its assets. Nevertheless it is recommended some bonds be liquidated in order to pay off part of the debt. The amount can be reduced, and the payment will not be too high; allowing the company to generate profit after all. Regardless of what method you use to reduce the debt, the manager of the company has to regularly report to the federal court any decision made in the company.

Brandon O'Brien:
So, after filing for Business Bankruptcy, do the lawyers take care of everything?

James Banks:
Do not believe that by filing for Business Bankruptcy your financial situation will be resolved. You, as the manager will have to make sure that the company has enough cash to endure the whole filing process, and we recommend that you follow a plan in order to avoid any type of delay during the case.

One way to take care of creditors once and for all is to put them all together and set up a plan to start the repayment process. The debt will be reduced, and the creditors will see you are in the process of paying them. This creates trust and understanding as to why you file for bankruptcy.

Remember, filing for Business Bankruptcy is a serious decision, and one that should only be considered when all other options have been tried. It would be wise to seek advice from a financial and legal professional before making any sudden decisions.

We have different articles of interesting topics and current and former clients’ experiences with our programs. Take a look at topics related to Business Bankruptcy, situations in which people can fall into and how to keep yourself a debt free person.

Home Equity Can Boost Personal Finance Standings


For most homeowners, their home is their number one asset and the largest line of financial security and equity they have. For this reason, coming up with home improvement plans can be quite frightening. Homeowners know that improving their home is a good thing for the bottom line, but they also know how expensive it can be to do. Many homeowners do not have the skills or talents necessary to perform home improvement duties on their own. What they find themselves needs is some guidance as to what tools, materials, and jobs are best selected for improving the worth of their home.

Home improvement plans need not be pricey, nor should they put you in danger of having to file bankruptcy. In fact, there are many projects that the main requirement for performing them only requires the ability to read and follow directions. These types of projects will allow you to repair or make improvements to the home for only the cost of the materials.

For example, if you intend to or would like to paint or tile any areas in your home, you may be able to perform the duty yourself. Be sure to include using positive self-talk to motivate you, and doing your research and homework by talking to professionals and reading the tips online before starting any home improvement task. You should also consider writing your plan of attack for completing the task you have selected.

Part of successfully completing projects is to properly plan and prepare for them. This includes properly preparing a financial plan and a long-term project scheme that outlines remodeling wants, needs, and anticipated expenses. By listing everything out, you can best adjust your financial planning and timelines by available funds. Also, you can see ahead to plan researching and attending demonstrations to help you learn to do a lot of the work yourself which will free up your need to rely on expensive contractors.

In attempting to make improvements on your home, try to avoid applying for a second mortgage to cover materials and supplies. Instead, use your long term map to prepare budgets and time lines that are reasonable. Use the pre-scouted plan to identify what items can be picked up ahead of time, especially on sale. All of these techniques will help you save a lot of money on the home improvement projects. Remember too, that you don’t have to buy all the tools, but you may be able to lease or rent some things like tile cutters, etc. All of these tips can help you stretch your home improvement dollars into more equity and savings in your home, and that really is a good thing.

The financial arena is full of places to accrue debts. Some like house loans and car loans are secured by tangible assets; others like credit card bills, small loans, medical expenses, and other miscellaneous debts are not. It is the smaller unsecure loans that are so easily obtained and ultimately that begin to close down upon the unsuspecting borrower and squeeze the air from them. First it’s a feeling of helplessness, then it becomes suffocation, an almost drowning effect that leaves the person feeling there is no other option available but to file bankruptcy.

Filing bankruptcy is never the perfect solution to solving debt management issues. Sure, it relieves the debtor from all the stresses associated with repaying the volumes of debt amassed, but it also leaves a distinct mark on future credit options. Debt management through a consolidation plan may offer a better solution. Debt consolidation when obtained through credit counseling services, can focus energies on creating a result-oriented plan of action for getting out of debt in the shortest amount of time possible. The results are measurable, and the long-term effects of the process are much less drastic on the credit history.

Is Debt Consolidation for you?

There are many debt counseling organizations currently available and working to help individuals recover from the devastating effects of financial mismanagement. These professionals can assist in consolidation and/or negotiation and they can help individuals regain some financial status within a short period of time.

Finding a debt counseling professional to help you has never been easier. There are literally hundreds if not thousands of qualified providers able and willing to assist you. Contact them, and ask what they have to offer. They will ask you to complete some forms identifying your current debts, your income, and other relevant information and then they will look at what particular components of their programs can help you the most. Take time to research the companies that offer the services you are considering. Don’t sign any participation contracts without reading all the paperwork very carefully and do ask around for referrals. This is a business agreement with someone who can realistically make or break your financial future. Take care to make sure you hire the best agent for the job.

After determining whether you are qualified to participate in their various debt management programs, the credit counselor will calculate a feasible budget for you that places monies aside to make your debt settlement payments pursuant to the plan created specifically for your situation. A plan and program like this is nothing short of a life saver if getting out from underneath too much consumer debt is really your goal.

Once you have the current debt problems under control, be sure to enroll in a money management education program to assist you in recognizing the spending habits and issues that led to the debt laden issues in the first place. Debt management is a skill most people are born with, it is a learned behavior. In particular managing credit card debt is an area most individuals are extremely poor at handling. Most debt counseling programs offer programs to help you clear your debts, restore your credit worthiness, and avoid filing bankruptcy. They help you find the light at the end of your short term debt tunnel and they can help create financial goals, budgets and other tools that will keep you debt free for years to come. By identifying behaviors that lead to overspending, they prepare you to deal with future decisions and make sounder choices when it comes to financial planning.

I am going to assume that you are seeking a bankruptcy lawyer because you have already exhausted all other possibilities to avoid filing bankruptcy. If you have not yet done that, I would strongly encourage you to thoroughly investigate all other options and alternatives, since bankruptcy should be considered only as your very last resort. A filing of bankruptcy will remain on your credit report for 7 to 10 years, and it will be a major red flag any time you apply for credit or a loan in the future, as well as having the possibility of you not getting a new job based on a credit report run on you.

It is not entirely necessary to hire a lawyer or attorney when filing for bankruptcy, but in the vast majority of cases, it is highly advisable to do so. The various legal forms and requirements can be a full time job for someone who is not intimately familiar with the legal system, and one wrong move can mean the difference between favorable terms, or perhaps even terms that put you in a worse situation than you are now.

Even with all bankruptcy lawyers combined, not all bankruptcy attorneys specialize in the same type of cases, so you need to make sure that you are finding a lawyer who is very familiar with the type of financial difficulties that you are facing. Unfortunately, this is not nearly as easy as walking through the yellow pages and browsing page after page of lawyer listings. Our web site contains a form where you can identify your specific situation and then be referred to a bankruptcy lawyer who is both LOCAL to you, as well as being familiar with your particular type of situation and circumstances.

When you meet with the bankruptcy lawyer, you want to maximize both your time and his time, so make sure you bring all pertinent information with you. Bring a list of all creditors, your required monthly payment to each, the current outstanding balance of each, the account numbers, and the status of each debt in terms of being current, 30 days past due, 60 days past due, etc. Also provide information on which creditors you have spoken with, as well as any particular arrangements you may have already made with any of these creditors.

Your bankruptcy lawyer can prevent creditors from harassing you, and this can start immediately after you have retained his services. With all the stress of this type of financial situation, the constant telephone calls from creditors, with each call being more threatening or sinister than the previous one, can add a huge amount of additional stress that you just do not need right now in your situation.

Your bankruptcy lawyer will be familiar with the new laws that affect bankruptcy filings. It is not nearly as easy to file bankruptcy today as it was only a few short years ago. In some situations, you may be required to go through credit counseling before being allowed to file bankruptcy. In fact, after becoming familiar with your specific situation, your lawyer may recommend other options or alternatives instead of bankruptcy, perhaps options that you had not previously considered.

In summary, be aware that just because someone has passed the bar exam does not mean that they are able to be a competent bankruptcy attorney. Be sure to find one who specializes in your particular type of bankruptcy to obtain your best bet of resoling this situation as easily and with as less pain as possible.