Monday, April 30, 2012

What Are the Warning Signs of Bankruptcy?


Bankruptcy is essentially an inability to meets one's financial commitments as they become due. Public stereotypes of bankruptcy are often negative and associated with failure, poor financial management and can often lead to the individual being stigmatised by family and friends.

It must be stressed however that many people face bankruptcy for a host of other reasons or unfortunate events which are not always entirely their own fault. Drawing upon my experience or dealing with individuals with serious financial difficulties, this article aims attempts to examine the warning signs associated with bankruptcy in the hope that it can be avoided.

Warning signs to heed;

1. Ignoring the problem

This by far one of the largest contributory factors because few individuals like to believe that they are in financial difficulties for a host of different reasons. For some they fear telling a husband, wife or partner that money is problematic for fear of losing credibility with the person they love or ultimately the relationship. Other individuals are unable to accept that they have an obsessive disorder that leads to over extravagant spending. Still others have just never learnt to budget wisely in the first place.

2. Sleep Disorder/Anxiety

Stress can often cause anxiety or sleep disorders even amongst the most calm and collected individual. We all suffer from difficulties sleeping or anxiety at some time in our life but if you discover that you regularly fret about your financial circumstances and have difficulties getting off to sleep or wake up in the night worrying about money then this is a sure sign that you need to seek some professional help to address your financial budgeting.

3. Always in Overdraft or maxed out on your credit cards

It is now socially acceptable now to have significant credit card debts and whilst the use of credit is generally not a problem you should be concerned if you continually find yourself trapped in a cycle of debt where next month's wage packet only just meets last month's debt.

4. Hiding Bank Statements

Loved one's are often best placed to identify warning signs of bankruptcy in their wife, husband or partner. If you observe the person you share your financial resources with getting to the post each morning it could be a sign of financial difficulties and they may be hiding financial information from you. Of course this conclusion could perhaps only be reached if some of the other warning signs discussed earlier are also apparent.

5. Regularly asking for a salary advance

Whilst it's perfectly acceptable to occasionally get a cash advance from your employer to help you out of a tight spot should be concerned if you continually seek out your boss before your next pay day in order to obtain a salary advance. At this you should start to realise that you may be heading towards bankruptcy.

6. Language used to describe your financial circumstances

What has language got to do with anything I hear you ask? Well quite a lot. At a cognitive level as human beings we often try to rationalise and justify our behaviour internally to ourselves and this can be used both positively and negatively in our lives. An example of a positive use of cognition in our financial undertakings would be "I really like those shoes, but I just can't afford them this month." You should however be concerned if you start using some of the following language to describe your financial habits, "I'm just in a tight spot right now", "I'm a bit strapped for cash right now but I'll pay you back", "can you lend me some money until next week". These can all be warning signs that you should listen to that you may be on the slippery slope to bankruptcy.

If you need some further support to avoid bankruptcy call this independent government backed site.

The UK Insolvency Debtbuster helpline 0800 074 6918


Bankruptcy affects many people for different reasons but there are some general warning signs that should be noted as a means of preventing further decline. Whilst this can never be a definite examination of a subject that is complex and deeply personal by far the biggest warning sign of a looming bankruptcy is Ignoring the problem. By overcoming this barrier an individual is able to address financial difficulties before they get worse. Remember that thought processes and spending habits can also indicate underlying difficulties in personal finances. The most qualified person to spot the warning signs of bankruptcy is YOU so don't ignore the problem get some professional advice before it's too late.

Jonathan Dawkins writes extensively on money related topics including 101 ways to save money, debt reduction, and how to get out of credit card debt. He is the author of over 150 authoritative articles in these personal finance niches.

Jonathan Dawkins writes extensively on money related topics including 101 ways to save money, debt reduction, and how to get out of credit card debt. He is the author of over 150 authoritative articles in these personal finance niches. Visit his site at .

Saturday, April 28, 2012

Great School Fundraising Ideas

Are you looking for great fundraising ideas for middle school? Perhaps you and your classmates have been assigned to plan for a fundraising event. If this is your situation, then you came across the right article! This article aims to provide you great fundraising ideas for middle school students that you and your classmates can try. So if you want to learn more about great fundraising ideas for middle school, then read on to this article to know the further details.

There are a lot of great fundraising ideas for middle school that are being used by students to raise money for their needs. Since the school budget is generally allocated for education, there are times when students cannot buy their miscellaneous needs such as sports team uniforms, dance studio facilities, laboratory equipment, new projectors, microphones, sports utilities and many more. That is why a lot of students are looking for great fundraising ideas for middle school.

One of the best fundraising ideas for middle school that you and you class try is organizing a school musicale. All you have to do is to collaborate with the drama club, dance club and choir and decide on a great musicale idea that they can perform. This fundraising event works best during special occasions such as Christmas and Valentine's Day because people are usually seeking lively entertainments during these times. You can print posters and place an ad on a local newspaper to gain more publicity for your event. You can also set up some photo souvenir booth and snack corner on the event's venue to raise additional profits.

Another classic on the list of fundraising ideas for middle school that you can try is selling of cookies, cakes, flowers and cards. This fundraising idea works best during Valentine's Day because a lot of people are sending notes and small gifts to their friends and loved ones. You can also offer delivery services, personal messages and even serenades in addition to the gift that the customer bought. This fundraising idea will surely become a major hit.

Environmental fundraising projects are also gaining popularity nowadays. You can organize a Plant a Tree event where participants will be able to help create a greener place to live in. You can also put up some photo souvenir booths and snack corners on the event's venue to raise additional profits. This is a great fundraising idea because it does not only help mother earth; it also promotes camaraderie, environmental awareness and fun among participants.

Lastly, you can organize a family day event at your school wherein participants will be able to have a bonding time with their families and will have the chance to win prizes on the bingo and raffle promos. You can also have games and souvenir booths on the event's venue. You can contact some companies for sponsorship of the event that you are going to organize. By working with sponsors, you will have more money to improve the event and you will have a share on the sponsor's profit on the fundraising event.

Actuarial : Actuarial Science, Actuary & Me

Actuarial Science? What are actuarial science and actuary? Are they the same things? According to Wikipedia, Actuarial science is the discipline that applies mathematical and statistical methods to assess risk in the insurance and finance industries. An actuary is a business professional who deals with the financial impact of risk and uncertainty. Actuaries have a deep understanding of financial security systems, their reasons for being, their complexity, their mathematics, and the way they work.

You can be a genius in mathematics but not must in actuarial science. Actuarial science is NOT ALL about mathematics, but involving lots of statistics, modelling, finance, economics, accounting and so on. So, even when you don't end up as an actuary, you will still have other career options such as working in risk management, investment, etc. Hence, if you love mathematics, you will love pure mathematics. If you love applying mathematics (in business or economics), you will love actuarial science.

Actuarial science DOES NOT guarantee a HIGHLY paid job. Only qualified Actuary get paid in millions depend on the need in different countries. Fresh actuarial science graduate does not make you different from any other graduates at all. And, there are MANY Malaysians currently studying actuarial science. (JPA scholars, Bank Negara scholars, SC scholars, Khazanah scholars, UKM, UM, UiTM, USIM, UTAR, INTI, Taylor, HELP)

It's easy to get a bachelor's degree in actuarial science. But it's not easy to be an actuary. Undoubtedly, the route becoming an actuary is a very tough. If not, millions of people will become actuaries and the job prospect for actuaries will be really bad. My advice is thinking thrice before you make a decision to get into the program, don't jump into it for the wrong reason, i.e. money. I know that some actuarial majors brag about actuaries getting paid millions, including me! Yes, it is true but take note that you only get paid well if you're good in term of many things, such as soft skills.

Become an actuary, you must not have the actuarial science degree. You can become an actuary by taking any bachelors degree, but it is better to take something related degree, like mathematics, statistics, economics, finance, etc. The most important is the professional exams. But, most people who take actuarial science fail to become a qualified actuary.

What are the criteria to become an actuary? According to Be An Actuary website, you must have an excellent business sense with a knowledge of finance, accounting, and economics, keen analytical, project management, and problem solving skills, specialized math knowledge, strong computer skills, and solid written and oral communication skills. In addition, you must enjoy learning, like to solve complicated problems, enjoy writing and talking to people, can work effectively alone or as part of a team, are interested in a variety of historical, social, legislative, and political issues, and are self-motivated achievers.

After a short briefing of actuarial science and actuary, let's talk about Why Actuary? If I say I take this course not because the highly competitive salary, then you will definitely not believe me! To be honest, yes, the MAJOR reason I choose actuary as my career is because FINANCIAL FREEDOM (just a major reason, there are some minor reasons). Then, I thought that I have a moderate amount of logical, mathematical, and analytical ability. Since I do not want to teach, being more practical than abstract, mathematically, I thought that being an actuary would be all right. And as a not-so-bad student, I have no other choices! Because there is a myth in Malaysia: Best student always take Medicine, Engineering or Actuarial Science. Finally, I choose actuary as my career due to the myth.

If you are really interested in Actuarial Science, what I think is that getting a local degree or overseas degree is just the same. The most important is the professional examination. There are many ways to pursue actuarial science degree, since I am studying in local university, I just talk about the local one (Malaysia). For SPM students, you can try to get the scholarship, such as JPA/MARA (I think it will become easier to get this scholarship after the 308! ), Bank Negara, Khazanah, SC, Great Eastern and so on. If you didn't get it, you can try to get into Asasi UiTM (for Bumiputera only!), Matriculation, STPM or Private College/University, like INTI, Taylor, HELP ).

After Matriculation or STPM, with CGPA 4.00, you may do actuarial science degree locally at UKM, UM, USIM, UiTM. For non-Bumi, you just can gain the admission into UM or UKM only. One more option is UNITAR.

Well, for those who aspires to become an actuary but failed to get admission to the course, should not give up but instead go into courses like Statistics or Mathematics and start taking actuarial professional examinations.

The path to become an actuary involves going through a well-structured education plan. This involves university-level education and professional examinations, as well as other requirements. You should prepare and start your professional examinations since the first year you get into to University or College ( or even STPM ). For the professional examinations, you have to think about what are the options of societies or institutes.

For me, like my most other seniors, choosing Society of Actuaries (SOA). But now, I am still just a second-year, first-semester actuarial student. The road is still very long. I hope can finish 5 papers before my graduation. Here we go!

Thursday, April 26, 2012

Non Teletrack Payday Loans Available 24/7 Over Internet

Non Teletrack Payday loans are the loans that are offered to the borrowers without using the teletrack system. These loans are easy to avail and easy to repay. One can remove all his financial problems by using Non Teletrack Payday loans. Gone are the days when borrowers had to go through a tedious and lengthy process because now non Teletrack payday loans are available over internet. Before initiating you must know about Teletrack system. The conception of the teletrack is very apparent. Most of the lenders or loan lending institutes use Teletrack which is a credit agency that gathers the information about the borrowers. In other words it can be said about Teletrack that it is actually a credit agency that assembles sub-prime customers' credit information. Non Teletrack Payday loans have been designed for the people who are in an urgent need of cash. Non Teletrack Payday loans are the source of hassle free cash without making any delay.

If you need cash don't make any delay just get a non teletrack payday loan to make yourself free from unexpected and unusual financial occurrences. These are 100% free from faxing process and there is no call to pledge anything as collateral against the loan amount. These loans help you in meeting emergency financial needs of the cash. In the financial business world, teletrack loan or payday loan check or telecheck is extensively used by most financial companies.

Non Teletrack payday loans are also known as paycheck advances type of loan that is provided for small period of time and also a small amount. Aspire for no teletrack loan is to fill the gap between paydays. The other name of no teletrack loans is cash advance or payday loans. One can also understand non Teletrack payday loans as cash provided against a post dated paycheck, credit card, salary check or other mean.

To apply for the loan you need to qualify the following criteria:

A borrower must be at least eighteen years old for non Teletrack loans.
He must have a steady or permanent job.
He must be engage with current job from at least past six months.
His monthly salary should be at least 00 for approval of non Teletrack payday loans.
He must have a valid social security number and a permanent address proof.
He must have a saving account for direct transaction of loan amount.

Monday, April 23, 2012

Meditation And The Nervous System

One of the most important systems in the body is the nervous system, which is also called the control center of the body. It contains the brain which directs and supports almost all the functions of the body: voluntary and involuntary ones. Voluntary responses are those which we can control. This includes walking, motion of the hands, speaking, and the like. Involuntary responses include breathing, beating of the heart, digestion, sweating, blinking, some reflexes, and other movements that are not under our control. And because the involuntary nervous system or the autonomic nervous system is usually the one being affected the most by stress, depression and other fatigue related problems, experts have thought of the use of meditation as a solution.

Mediation is the state of being concentrated on something, someone, or on an experience. It allows a person to point his or her attention into a single thought. But why is it said to be a way to regulate the work of the nervous system?

First, let us divide and study the nervous system into two parts: the sympathetic nervous system and the parasympathetic nervous system. The sympathetic nervous system is the one responsible for mobilizing the body's actions. It produces a response called fight or flight when the person is experiencing stress. Fight or flight responses include increase in the heart and breathing rate of a person, and also the narrowing of the blood vessels and tightening of the muscles.

On the other hand, the parasympathetic nervous system creates a response which we refer to as rest and digest response when a person is under stress. The response of the parasympathetic nervous system is the opposite of the sympathetic nervous system. In here, slowing down of the heart and breathing rate occurs, as well as the dilation of the blood vessels, which improves the flow of the blood into the body.

Meditation, according to experts, works in such a way that it reduces the work of the sympathetic nervous system and encourages or energizes the work of the parasympathetic nervous system. We all know that this in turn will result to enhanced breathing and flow of the blood carrying oxygen and nutrients to different parts of the body.

There a lot of meditation types. Some of which are those we do occasionally and some even everyday, but in general they are being recognized or categorized as meditation. Some of these practices include thinking, daydreaming, optimism, and praying. These only shows that meditation is not something hard to do, in fact, everybody could be engaged in it.

Meditation is not exactly a challenge, if you put your mind to it. Sometimes, we just have to be aware of how it is done and the benefits it could do to us. We don't have to be engaged in intense meditation to achieve its effects, all we have to do is have some time for ourselves and focus our mind on something positive. Being positive and repeating affirmations in our life could also help.

Sunday, April 22, 2012

Sex Toys

The taboo around buying sex toys still exists today but should we be asking ourselves why should I be embarrassed if I wish to own, or even more so, enjoy using a sex toy or sex aid.

Married or with a partner, bi or gay, young or old, there seems a natural embarrassment when it comes to buying a sex toy, whether it's for spicing up sex within a relationship or to be used for self satisfaction the process of buying a sex toy can be both daunting and possibly nerve racking. These feelings are perfectly normal and natural but to help quash these fears please be assured no matter how you feel about this situation there will be others out there who are more embarrassed and wanting to buy something a lot more adventurous or even kinkier'.

By reading this on a web browser you already have the possibility open to each and every one of us to explore and enjoy this wonderful and exciting world of pleasurable assistance to either masturbation, solo' sex or enriching yours and your partners sexual experiences. Our modern world gives us the comfort and convenience of exploring the possibilities at our leisure and the freedom of choice is immense.

The myths around masturbation and sex, like the fact you will go blind or will become infertile are as unfounded as black is white so if you are thinking of buying any of the wide variety of sex toys available why not take a look and make your own choices. As stated above the choice is immense and right here on the internet, the fact you can sit at home and browse' is a luxury, maybe we all need to use in order to get the information we need before buying.

By using the internet the embarrassment is gone, the need to find your local adult' store and ask questions to the assistant behind the counter is no longer needed and even they can't have as many answers as here on the net. The information and choice available is here and waiting to be explored and when you have your answers and feel you are ready the majority of adult on line stores offer you secure and on line ordering with discreet packaging and even the credit card statement displays a name where no one would even think you were making a transaction with an adult store.

If you feel now you may wish to buy a sex toy or sex aid or are looking for further information it is worth the time to take into account a few considerations:

1. What extent of stimulation are you hoping to achieve (are you replacing a partner and wish for full orgasm by self masturbation or would you like something to tempt and tease' you ready for a partner to fulfil do you want it to hurt in a sexual way) 2. Which part of your body do you find arouses you to that extent of arousal (some women prefer clitoral stimulation opposed to actual penetration some prefer nipple stimulation some men prefer mutual masturbation as opposed to solo masturbation) 3. What is a certain no go area' (anal stimulation can be either very pleasurable or extremely painful its your body) 4. Is this toy for two of you to enjoy will you both get equal pleasure 5. Look for any information with regards to the proper use of toy but bear in mind the excitement of experimenting, and feel free to ask questions, here on the net you are just a username.

Saturday, April 21, 2012

The first step - Finding out about college loan consolidation

We might think that for a regular college student the main concern is to attend classes, study for exams and turn in the papers before the deadlines. However, this is not the case in North America. The students in the United States and Canada have to deal with quite complicated financial decisions throughout their years of higher education. The reason is that higher education in these countries is provided by private institutions, which offer quality education but at quite spicy costs. In these conditions, students and their families have to face tough financial decisions when they choose a college to attend. For most of them, the fees are too expensive so the first step is to try obtaining a full scholarship or partial financial aid. For the rest of the expenses, there is the widespread option of contracting a college loan.

Students can contract more than one college loan during their four years of college. If they also pursue graduate studies, it is likely that they will end up with a collection of college loans that they end up paying back for many years after graduation. It thus turns out that a college loan is not something you leave behind at graduation, along with all the other college stories, but it is a life-long commitment. The practice of contracting a college loan is so common that an entire business has developed around it covering financial and legal services for the loan contractors.

A college loan can be offered by either a governmental agency or by a private company that takes care of such financial services. If the student contracts all his student loans from the government, than he can use the option of college loan consolidation. College loan consolidation is extremely advantageous because it actually means replacing a whole set of different loans with various interest rates with just one loan having a unique rate. The main benefit of college loan consolidation is that it gives the chance to lock in the interest rate at its current value (the value at the time when the consolidation is made) thus offsetting changes in interest rates taking place over the next years, when the loan is being repaid. Nowadays, all recent graduates are advised to pursue college loan consolidation as soon as they can because rates for college loans are at an all time low and they will not remain so for too lone. Doing college loan consolidation now means that the student makes sure he or she will pay the same low rate for the following ten or more years, although interest rates for college loans may increase by 10% or more in this period.

College loan consolidation is most commonly done by recent graduates, who are starting to face the difficulties of starting to pay back the loans. Usually, during the college years, the government will subsidize the payment of the rates for students. During the first six months after graduation, young people can still be saved the trouble of having to think about college loan consolidation because they are given a grace period during which no payments should be made. The wisest of them start thinking about college loan consolidation in this time though. They consider alternative options and decide which scheme for college loan consolidation is most beneficial for them. College loan consolidation may be a tough decision to make, the financial packages offered include details that may be tedious to follow and understand. That is why recent graduates may end up postponing thinking about it. However, they are being pressured more and more to become responsible and do college loan consolidation now because of the low interest rates they should be taking advantage of.