The Bankruptcy Tips You Need To Know Right Now | Siben & Siben ...

TIP! Before declaring bankruptcy, ensure that all other options have been considered. If your debt is relatively low, you may be able to manage it with credit counseling.

It can be a complicated process to file for personal bankruptcy. There are a number of kinds of bankruptcy. The type that applies to you will be chosen based upon the type of debts you have. Research into what will best suit you is important before you consider filing. The below advice can assist you in beginning.

TIP! If you have fears that you will lose your car, ask your lawyer about the possibility of lowering your car payments. Most of the time Chapter 7 bankruptcy will allow your payments to be lowered.

If you are filing for chapter seven bankruptcy, the dismissal of the balance of your debts is not a given. Secured debt obligations may require you to reaffirm them with the creditor, and other debts may not be dischargeable at all. For example, child support payments, alimony and other court-related fines cannot be discharged by filing for Chapter 7.

TIP! Familiarize yourself with any new law before you make the final step to filing for bankruptcy. These kinds of laws are constantly changing and it is important that you are aware of these changes, so that you can learn how to properly file for bankruptcy.

You should check with the personal bankruptcy resources available online to educate yourself thoroughly before you begin the process. The United States DOJ, along with a number of other bankruptcy institutes and attorneys specializing in bankruptcy can give you invaluable information. The more you know about it, the better you are able to make the best decision for your situation and to make sure that the bankruptcy proceedings move forward with minimal setbacks.

TIP! Don?t wait till it?s too late to file for bankruptcy. The judge reviewing your petition will consider your recent behavior, purchases, income and payments when making a decision.

Be certain you are totally aware of the laws of bankruptcy before you file. For instance, you need to know not to shift assets into someone else?s name in the year leading up to your filing. Not only that, but the filer cannot lawfully accrue additional debt just prior to filing.

TIP! Double check the accuracy of your information. It is fine for your attorney to complete the papers for you, but it is ultimately up to you to make sure the information contained is correct.

About two months after you?ve done bankruptcy, you can get copies of your various credit reports from the three agencies. Scrutinize the information, and make sure all debts that should be discharged are and that all of your previous credit accounts are closed. You want to start building up your credit score from an accurate base, so it?s important to address any errors you find in your reports immediately.

TIP! Look over your debts before filing for bankruptcy to make sure they will clear your credit report, as you would not want to file unnecessarily. Certain debts, including student loans, may remain with you regardless of your bankruptcy filing.

Even if you start a new job prior to declaring bankruptcy, do not change your plans! Bankruptcy may still be right for you. Choosing to file can impact you well. If your case is filed before you begin your new job, any repayment you must do will be calculated without the extra income.

TIP! While you should trust your lawyer, you should not leave all the details to your lawyer?s discretion. Your attorney is a professional who knows about laws regarding bankruptcy, but you should still know as much as you can about the proceedings.

If you?ve filed for Chapter 13 bankruptcy, accelerate your repayment schedule by paying more the the minimum amount each month. A lot of people only make the smallest payments possible, thinking that it?s the most comfortable way, but it can put them in danger of getting into debt quickly.

TIP! If you are feeling like you are seriously going to have to file for bankruptcy then do not clear out your savings. Retirement accounts should never be accessed unless all other options have been exhausted.

Many people believe that filing for bankruptcy will ruin their financial future, which will prevent them from getting loans. In some cases, this might be true, but in others, your credit score may actually end up higher post-bankruptcy than it was pre-bankruptcy. It is essential to continue making timely payments in order to rebuild credit.

TIP! A good piece of advice when filing for bankruptcy is to prepare yourself just in case you get denied. If you are prepared ahead of time, you can have an easier time anticipating what might happen if denial happens, which could result in foreclosure or repossessions.

Don?t use credit cards to pay your taxes if you?re going to file bankruptcy. In most states, you will still owe money to the IRS and have to take care of the interest of your credit cards. In most cases, you can use the adage that ?a dischargeable tax is a dischargeable debt.? So, in short, do not use your credit cards to pay off debts right before you file for bankruptcy.

TIP! Don?t avoid telling your lawyer specific details with your case. Never assume that they can remember all details without reminders.

If you plan to file bankruptcy, do not continue using credit cards. You might be tempted to max out your credit cards, but remember that the court will not approve of this. Try to be as financially conservative as possible. Now is the perfect time to work on developing excellent financial habits.

TIP! Keep working to improve your situation. When you file for bankruptcy you may be allowed to recover property like your car, electronics or jewelry that might have been repossessed.

You likely now understand that bankruptcy is something that should be undertaken carefully and with great deliberation. With your finances in turmoil, seek a reputable attorney who has bankruptcy experience. This will allow you to see this as a true, fresh experience

Source: http://www.sibensiben.com/long-island-injury-lawyer-blog/uncategorized/the-bankruptcy-tips-you-need-to-know-right-now-5-2-2-2

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What is the LBMA? - Chicago Gold and Silver Investing Fan Blog

The LBMA is the London Bullion Markets Association. According to their website, this is what it is:

The LBMA is the international trade association that represents the market for gold and silver bullion, which is centred in London but has a global client base, including the majority of the central banks that hold gold, private sector investors, mining companies, producers, refiners and fabricators.? The current membership stands at 139 companies.?

The LBMA was formally incorporated in 1987 at the behest of the Bank of England, which was the bullion market's regulator at that time, to take over the roles previously played by two separate organisations, the London Gold Market and Silver Market, whose origins date?back to the mid-nineteenth century.??

The assaying capabilities of refiners on the Good Delivery List are periodically checked under the LBMA's Proactive Monitoring programme.

The ongoing work of the Association encompasses many areas, among them refining standards, trading documentation and the fostering of good trading practices.

In the refining industry, the LBMA Good Delivery List is widely recognized as?representing the de facto standard for the quality of gold and silver bars, in large part thanks to the stringent criteria that an applicant must satisfy?before being accredited. In?2004 the LBMA introduced a system of regular proactive monitoring?of refiners on the List, an important initiative which further enhanced the?reputation of the List and the refiners on it.? The List is used by many precious metals exchanges around the world to define in whole, or in part, the refiners whose gold and?silver bars are accepted in their own markets.?

Source: http://neilski.typepad.com/chicago_gold_and_silver_i/2012/11/what-is-the-lbma.html

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Skin cancer and its types - by Shokat Khanum Institute.

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Source: http://www.nidokidos.org/threads/177260-Skin-cancer-and-its-types-by-Shokat-Khanum-Institute

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Why I Am Attending Traffic & Conversion Summit 2013. (And Can ...

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LG 'Optimus G2' rumored for May launch with 1080p screen

LG's Optimus G isn't even available in some countries yet, but already it seems a successor could be in the works. Reports from Korea's MK Business News suggests that the "Optimus G2" (said to be a provisional name) could be scheduled for launch as early as next May. Key upgrades are said to include a a 5-inch, 1080p display, up from the 4.7-inch 1280x768 panel in the original, and a 2GHz quad-core Qualcomm CPU. LG will reportedly pit the G2 against the successor to Samsung's Galaxy S3.

But here's the kicker -- the article also claims the "Optimus G2" will come with Android "Key Lime Pie" on-board. KLP is the widely-expected name for the next major iteration of Android, presumably either version 4.3 or 5.0. We'd be very (very) surprised to see a fresh version of Android so quickly after 4.2, especially considering the short interval between the two flavors of Jelly Bean.

Nevertheless, as a Nexus partner, LG would have privileged access to code ahead of time, which might help it get devices running newer versions of Android to market more rapidly than other OEMs. Stranger things have happened, but we're still inclined to take this part of the story with a large pinch of salt.

The 5-inch screen size and 1080p resolution looks set to become the new standard for high-end phones in 2013. HTC has already launched the Droid DNA on Verizon in the states, while Sony's next high-end device, "Yuga," is rumored to sport a similar display. Likewise, Samsung is rumored to be hard at work on a 4.99-inch 1080p SuperAMOLED panel.

Whatever form it takes, the Optimus G's successor will find itself among plenty of competition.

Source: MK; via: TechCrunch

Source: http://feedproxy.google.com/~r/androidcentral/~3/Hnw1cINswbg/story01.htm

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Kill the 401(k)?

?A man deposits his tax return into a mailbox. Americans get tax breaks for saving for retirement, but do those breaks encourage us to save?

Photograph by Erik S. Lesser/Newsmakers.

As America hurtles toward the fiscal cliff, there?s an increasingly frantic search for ways to shore up the country?s deteriorating balance sheet. Republicans want to cut spending; Democrats would prefer to raise taxes on the wealthy. But a paper released today by Harvard and Danish researchers highlights just how much room there could be to generate more government revenue without sacrificing economic efficiency?in other words, the type of policies that both parties could conceivably learn to love. The study analyzes the responses of Danish taxpayers to savings incentives?much like those that exist for American 401(k) and IRA accounts?and also behavioral ?nudges? that automatically deduct retirement savings from workers? paychecks. It turns out that savings incentives had scarcely any impact on the rate at which Danes accumulated nest eggs, while the nudges were very effective in making people save. These findings suggest that 401(k) plans and their brethren?which cost the U.S. government as much as $100 billion a year in lost revenue?don?t do much to further their stated objective of boosting retirement savings. Even if $100 billion wouldn?t go all that far toward solving America?s debt problems, it suggests that smart approaches to eliminating or improving government programs could quickly add up to fiscal solvency?and might help the two sides find common ground.

The reason we have tax shelters like the 401(k) is to change the relative cost of spending money today versus saving for tomorrow. Exempting retirement investments from taxation increases the saver?s return on his investment, so a rational cost-benefit calculation should lead most people to put something away for the future. In theory, such tax shelters should go some way toward correcting Americans? problem of undersaving.

But these policies assume that, despite being impulsive spenders, we will respond like textbook economic agents by saving more when tax exemptions make saving cheaper?an unlikely proposition. Even if savers do put more money in a 401(k) as a result of tax incentives, they might simply do so by reducing their investments in other non-exempt accounts, rather than saving more overall. Whether tax shelters actually encourage higher savings is a matter for the data to decide.

The lack of necessary data on Americans? incomes and savings is what motivated Harvard economists Raj Chetty and John Friedman to partner with researchers in Copenhagen, who had access to the complete tax records of every Danish citizen over the past couple of decades. What?s more, some recent changes in the Danish tax system allowed them to examine how taxpayers respond to shifts in tax-based incentives to save.

The study focuses on a Danish tax reform in 1999 that, for taxpayers in the highest tax bracket, reduced the subsidy for pension contributions by 13 cents on the dollar (or more precisely, 13 ore on the Danish krone). As a result, saving got more expensive for earners above the top bracket cutoff of 268,000 DKr (about $41,000), while remaining unchanged for those earning under the threshold. To assess the impact of savings incentives on pension contributions, the researchers examined the change in savings for high earners who lost their subsidy, using those below the cutoff as a control group.

It turns out that a little less than 85 percent of Danes affected by the change did nothing to respond to the shift in savings incentives?they put money in their pensions at about the same rate in 1999 as they did the year before. Even among the minority that did cut their pension contributions in response to the new rule didn?t save much less overall?they simply put more away in other investments. Based on these findings, the authors estimate that every dollar that the Danish government spends to encourage pension contributions generates only about a penny in extra savings.

The fact that most people are too distracted from their finances to respond to any shift in incentives opens the door for a different approach to promoting savings?by simply taking advantage of the incredible inertia that seems inherent to the human condition. By putting in place high default contribution rates to pension plans, we might get people to save more simply because they never get around to changing the amount of their monthly payments.

This approach has already proved effective in raising 401(k) contributions in this country, and it?s a hypothesis that the authors of the current study also apply to the Danish data. They benefit from access to the annual tax returns of every Danish citizen, which allows them to follow individuals when they move jobs, sometimes to companies that have higher default levels for pension contributions, sometimes to companies with lower ones. Most people?again, around 85 percent?never change their default option. If they move to a higher-default employer, they save more, and if they move to a lower-default one, their savings go down. Further, this group of inattentive savers doesn?t shift money in or out of other savings, so a $1 increase in the default contribution translates into an extra dollar put away for retirement. No government subsidy required. (The authors also study a government-mandated 1 percent contribution to retirement savings and similarly find that most people didn?t react by reducing other savings, even if they were already saving more than 1 percent of their income.) The remaining 15 percent did actively manage their contribution rates, but when you put the two groups together it still adds up to a $0.90 increase in savings from a $1 increase in the default amount. If the U.S. government?s objective is to increase savings rates, it seems like it could accomplish this by simply putting in place a high standard default level for pension contributions, an approach that has the benefit of not resulting in any lost tax revenues.

Source: http://feeds.slate.com/click.phdo?i=1975305a2dee89362e2a77e3d66d8fc6

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BioMAP screening procedure could streamline search for new antibiotics

Public release date: 26-Nov-2012
[ | E-mail | Share ]

Contact: Tim Stephens
stephens@ucsc.edu
831-459-2495
University of California - Santa Cruz

Profiling strategy used to screen libraries of natural product extracts to find novel compounds distinct from known classes of antibiotics

Researchers at the University of California, Santa Cruz, have developed a new strategy for finding novel antibiotic compounds, using a diagnostic panel of bacterial strains for screening chemical extracts from natural sources.

Public health officials warn of a looming antibiotic crisis due to the steady increase in antibiotic resistance and a dramatic decline in the development of new antibiotics. Most currently available antibiotics are derived from natural compounds produced by microorganisms such as bacteria and fungi. New antibiotics developed by drug companies are often synthetically tailored variations of existing classes of antibiotics. To combat the problem of antibiotic resistance, however, researchers desperately want to find antibiotics with completely novel structures and modes of action.

The new screening procedure, called BioMAP (antibiotic mode of action profile), promises to streamline the discovery of new antibiotics from natural sources by providing a low-cost, high-throughput platform for identifying compounds with novel antibiotic properties.

"If you take a library of natural product extracts and screen them against a bacterial target, you will find a lot of antibacterial compounds, but almost all of them will be known structures," said Roger Linington, assistant professor of chemistry and biochemistry at UC Santa Cruz. "BioMAP is a new way to look at antibiotic activity so that you're not wasting time and energy chasing things that turn out to be well-studied compounds of little therapeutic value."

Linington's lab focuses on marine natural products--mostly microorganisms isolated from marine sediments--as a source of lead compounds for drug discovery. The BioMAP project was led by Weng Ruh Wong, who joined the lab as a postdoctoral fellow in the QB3-Malaysia Program. Wong is first author of a paper presenting the BioMAP screening procedure published in the November 21 issue of Chemistry & Biology.

The researchers started with a training set of 72 commercially available antibiotics and tested them all against a panel of 15 bacterial strains, including a broad range of clinically important pathogens. The commercial antibiotics were chosen to include multiple members of all of the main classes of antibiotics. Parallel screening of the antibiotics against all 15 strains was performed using robotic equipment at the UCSC Chemical Screening Center.

The tests yielded a characteristic pattern of activity, or BioMAP profile, for each antibiotic, and antibiotics within the same class had similar profiles. Analysis using hierarchical clustering methods showed that the BioMAP profiles are highly diagnostic for the known structural classes of antibiotics. The researchers then showed that the procedure could be used to classify compounds present in natural product extracts and identify novel antibiotics.

"The first step was to profile a lot of known drugs and see if BioMAP profiles were diagnostic for specific structural classes. The second step was to profile a library of unknowns from our natural product collection, eliminate all extracts with profiles that matched known classes of antibiotics, and focus on those that look unique," Linington said.

One extract from the lab's natural product library looked particularly interesting and led to the isolation of a novel antibiotic compound. Named arromycin, the compound is a napthoquinone antibiotic with a number of unusual structural features.

"Arromycin probably won't lead to a new antibiotic drug--there are a number of structural liabilities from a drug development standpoint--but its discovery is a proof of principal that the BioMAP platform works for finding novel compounds," Linington said. "Our library has tens of thousands of chemicals. If we want to find new antibiotics, this is an excellent way to do that without wasting time rediscovering known structures."

It makes sense to look for antibiotics in environments where bacteria compete with one another, he said. About 80 percent of currently available antibiotics are derived from natural products, mostly from soil microorganisms. But because natural products have been studied so extensively, the rate of return in terms of novel chemistry has decreased precipitously.

"Almost all of the new antibiotics are 'me too' drugs that work in the same way as an existing drug," Linington said. "The paucity of new therapeutic options for bacterial infections is a well-recognized and ongoing issue, and it is a major emerging threat to public health, both nationally and on a global scale."

###

In addition to Wong and Linington, the other coauthor of the new paper is Allen Oliver at the University of Notre Dame. This research was funded by the Malaysian Biotechnology Corporation QB3-Malaysia program and the International Cooperative Biodiversity Group program in Panama.

---

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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: 26-Nov-2012
[ | E-mail | Share ]

Contact: Tim Stephens
stephens@ucsc.edu
831-459-2495
University of California - Santa Cruz

Profiling strategy used to screen libraries of natural product extracts to find novel compounds distinct from known classes of antibiotics

Researchers at the University of California, Santa Cruz, have developed a new strategy for finding novel antibiotic compounds, using a diagnostic panel of bacterial strains for screening chemical extracts from natural sources.

Public health officials warn of a looming antibiotic crisis due to the steady increase in antibiotic resistance and a dramatic decline in the development of new antibiotics. Most currently available antibiotics are derived from natural compounds produced by microorganisms such as bacteria and fungi. New antibiotics developed by drug companies are often synthetically tailored variations of existing classes of antibiotics. To combat the problem of antibiotic resistance, however, researchers desperately want to find antibiotics with completely novel structures and modes of action.

The new screening procedure, called BioMAP (antibiotic mode of action profile), promises to streamline the discovery of new antibiotics from natural sources by providing a low-cost, high-throughput platform for identifying compounds with novel antibiotic properties.

"If you take a library of natural product extracts and screen them against a bacterial target, you will find a lot of antibacterial compounds, but almost all of them will be known structures," said Roger Linington, assistant professor of chemistry and biochemistry at UC Santa Cruz. "BioMAP is a new way to look at antibiotic activity so that you're not wasting time and energy chasing things that turn out to be well-studied compounds of little therapeutic value."

Linington's lab focuses on marine natural products--mostly microorganisms isolated from marine sediments--as a source of lead compounds for drug discovery. The BioMAP project was led by Weng Ruh Wong, who joined the lab as a postdoctoral fellow in the QB3-Malaysia Program. Wong is first author of a paper presenting the BioMAP screening procedure published in the November 21 issue of Chemistry & Biology.

The researchers started with a training set of 72 commercially available antibiotics and tested them all against a panel of 15 bacterial strains, including a broad range of clinically important pathogens. The commercial antibiotics were chosen to include multiple members of all of the main classes of antibiotics. Parallel screening of the antibiotics against all 15 strains was performed using robotic equipment at the UCSC Chemical Screening Center.

The tests yielded a characteristic pattern of activity, or BioMAP profile, for each antibiotic, and antibiotics within the same class had similar profiles. Analysis using hierarchical clustering methods showed that the BioMAP profiles are highly diagnostic for the known structural classes of antibiotics. The researchers then showed that the procedure could be used to classify compounds present in natural product extracts and identify novel antibiotics.

"The first step was to profile a lot of known drugs and see if BioMAP profiles were diagnostic for specific structural classes. The second step was to profile a library of unknowns from our natural product collection, eliminate all extracts with profiles that matched known classes of antibiotics, and focus on those that look unique," Linington said.

One extract from the lab's natural product library looked particularly interesting and led to the isolation of a novel antibiotic compound. Named arromycin, the compound is a napthoquinone antibiotic with a number of unusual structural features.

"Arromycin probably won't lead to a new antibiotic drug--there are a number of structural liabilities from a drug development standpoint--but its discovery is a proof of principal that the BioMAP platform works for finding novel compounds," Linington said. "Our library has tens of thousands of chemicals. If we want to find new antibiotics, this is an excellent way to do that without wasting time rediscovering known structures."

It makes sense to look for antibiotics in environments where bacteria compete with one another, he said. About 80 percent of currently available antibiotics are derived from natural products, mostly from soil microorganisms. But because natural products have been studied so extensively, the rate of return in terms of novel chemistry has decreased precipitously.

"Almost all of the new antibiotics are 'me too' drugs that work in the same way as an existing drug," Linington said. "The paucity of new therapeutic options for bacterial infections is a well-recognized and ongoing issue, and it is a major emerging threat to public health, both nationally and on a global scale."

###

In addition to Wong and Linington, the other coauthor of the new paper is Allen Oliver at the University of Notre Dame. This research was funded by the Malaysian Biotechnology Corporation QB3-Malaysia program and the International Cooperative Biodiversity Group program in Panama.

---

[ | 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.

Source: http://www.eurekalert.org/pub_releases/2012-11/uoc--bsp112612.php

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