byAlma Abell

A bankruptcy and a foreclosure traditionally go hand-in-hand. A bankruptcy is very rarely a complete whitewashing. At some point, the lenders will require repayment to some degree for past money owed. One of the greatest purchases one can make is their home, and this becomes a powerful bargaining tool in the completion of a bankruptcy and the pursuit of fairness and justice for all involved parties.

A real estate bankruptcy must be facilitated by a real estate attorney in Washington, Indiana. People who are uninformed about the process of bankruptcy in regards to their home could be intentionally swindled by a situation that takes advantage of their naivety. An attorney progresses through the bankruptcy with their client in mind.

For most people, it works as follows. A bankruptcy is declared to clear an individual or family of the majority of their past debt. The debt owed is usually substantial, so the home naturally becomes involved. A mortgage lender has a collateral claim on the property if there is an open mortgage. Their goal now is to get the property back at the most affordable price they can. The current value of the home can be extremely helpful. Mortgage lenders are seeking prompt repayment, and they are often willing to take a much lower price to get the property closed on and moved on with. The foreclosure process is initiated; if a property closes, it can be used as a bargaining tool to for push a better bankruptcy settlement.

In a bankruptcy, an attorney can file an automatic stay. It means that all the details noted above about the property are withheld until confirmation from the bankruptcy court is reached. The arrangement will allow a family to focus on the bankruptcy without the immediate pressure from the mortgage lenders. Lenders hate this, of course. But it is a legal action not well known to the public.

Visit the website to get some insight into the options and services of Feaval Law, a real estate attorney in Washington, Indiana. For more contact Jonathan or Andrew to set up a proper consultation.

Submitted by: Jonas Patterson

Many Western men choose to build a relationship with a Filipina girl. Some even choose to marry a Filipina. But what makes Filipino women so wanted?

1. Filipina girls are renowned for their beauty.

They surely stand out among Asian women in terms of charm and femininity. If you think other way you probably have never seen Angela Perez Baraquio the first Asian American and Filipino American who was crowned Miss America 2001 and Miss Hawaii.

2. Filipina girls are a delight to be around because of their disposition and personality.

Since birth Filipinas are raised in a special sense of honor called Delikadesa (or Delicadeza). Delicadeza is a Spanish term which when translated in English means daintiness. It is defined as a sense of propriety, an act of being refined or delicate in tastes and manners.

It is Delikadesa what gives Filipino women such admirable qualities and distinguish them from Western ladies. You will never find a proper Filipina bring shame onto herself and her family by lying, cheating, stealing, running around with different men or flunking out of school. It is one of the meanings of Delikadesa pride in doing the right thing.

3. Filipinas are understanding, patient and composed.

Most Filipina girls would never engage in a quarrel or a loud argument simply because this wouldnt suit a real Lady. They are taught to speak politely, with a gentle tone of voice. Arguing is just not acceptable, along with public criticism. This soft spoken, quiet and understanding nature of the Filipina Ladies is the desired trait that Filipinas strive towards.

4. Filipina girls are generous and naturally caring and supportive.

The common spirit of survival has united the Filipinos for centuries making generosity and loyalty towards family a time-honored tradition. The caring and supportive nature of the Filipinas is apparent in the fact that there are no booming businesses for retirement homes or orphanages in the Philippines they would never abandon a child or a member of the family in need.

5. Filipina girls believe in a one-man one-woman relationship.

Since there is no “absolute divorce” in the Philippines, Filipinas are raised in a high regard for the sanctity of marriage and consider it a life long commitment. Some, in fact many who marry these Filipina beauties, swear they make the best wives in the world loyal, loving and faithful past death.

6. Filipina women put family first before money.

Faithfulness to the family is a tradition that is characteristic of the Filipino society. To the Filipina, family will always remain a great priority. Filipino women, whom many would consider as coming from a relatively poor country, view the close loving bonds of their family as their wealth. They are more willing to sacrifice career than a family.

7. Filipinas are excellent home keepers.

Filipino ladies equate domestic responsibility with being a good wife their home is a great source of pride for them and they do their best to create a warm and loving environment for their family. For the Filipina even yelling at home would mean de-facing her home so you will probably never find a Filipina woman screaming or breaking dishes.

8. Filipinas are well educated.

The Philippine culture attaches great importance to college education. Pride in accomplishment at school is instilled in Filipinas since their childhood and female college enrollment even exceeds that of the male. This affects the social positions too. Unlike other Asian countries where women tend to be in more subservient positions, the Philippines businesses are more accepting of women performing business. This is apparent with the current Philippine president Gloria Macapagal-Arroyo the second Philippine woman to hold this esteemed position.

9. Filipino girls are religious.

The Philippines is predominantly Roman Catholic (the only Christian nation in the Far East) and it is common amongst Philippine families to raise their children in the church. So dont be surprised if your Filipina girl is more devoted to her religion than you are to yours.

10. Filipina-American marriages are more successful than American-American marriages.

An interesting fact is that according to the statistics Filipina-American marriages arranged through dating services have a lower divorce rate (about 20%) than the standard American- American marriage (about 40%). Still, the statistics may vary according to which source you use.

Of course I have made some generalizations here but basically this should have answered your question why so many men prefer a Filipina girl for dating. If you too decide to give it a try and date a Filipina, I wish you luck who knows, you might find the girl youve been looking for.

About the Author: Jonas P. is a retired American living in the Philippines. He and his Filipina wife have made a

Filipina Dating

site about

Filipina women

, their culture and the famous Filipina personality.

Source:

isnare.com

Permanent Link:

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Submitted by: Mara Fineshriber

Welcome to the second installment of this three-part article series, which provides the answers to some of the frequently asked questions of residents looking for karate classes in New York. Armed with the answers to these questions, it is hoped that the reader will move forward with a more sophisticated understanding of the martial art form of karate and will better prepare themselves for the incredible journey ahead!

FAQ: What do I need to wear to my first karate class?

Martial arts instructors in NYC answer: New students generally aren t expected to invest in any karate gear or uniforms ( karate-gi ) for the first two or three months of training. All you really need to wear to the gym is a pair of loose-fitting, comfortable pants or shorts and a T-shirt as long as you can move around easily in them. Once you have decided that karate is for you and you want to assimilate more with this martial art form, you can purchase your gi. Having said all of this, you can get yourself a uniform right at the start of your classes if you wish, as well.

FAQ: How frequently should I attend karate classes?

Martial arts instructors in NYC answer: The more you practice, the faster you ll master the techniques taught to you and the more rapidly you ll progress, say karate instructors in New York. As with most art forms, it s all about practice, practice, practice! Even masters of karate practice their art every day and for several hours per day, too. As a beginner, however, it is recommended that you establish a frequent and consistent practice schedule, which will get you into better physical shape quicker and prevent you from developing bad habits.

For serious students of karate, I would like to see you at least two times per week, says a karate instructor in New York. You must then go home and practice your karate every day for at least an hour. If you aren t spending one hour, four times per week practicing your techniques, you may develop bad habits.

FAQ: When will I start seeing results of my training?

Martial arts instructors in NYC answer: This depends on what you mean by results. Your body will probably take only a few weeks to become accustomed to your training and will soon begin to show greater flexibility, dexterity and strength. Being comfortable and confident with the combat techniques and moves comes with time and practice, so you must be patient, say karate instructors in New York. Many students give up prematurely because they can t fight like Jackie Chan after the second lesson; which is just unrealistic.

Learning a martial art is like learning music and your body is the musical instrument. You need to tune it, do your scales and do your exercises before you can start playing songs. Even then, you begin playing easy songs. After many years of practice and dedication, you will find your skills advancing enough for you to take on some of the master composers! Time, practice, patience and balance is what it takes to become a true master of karate and with dedication, you will get there.

Stay Tuned for Part 3

To read the answers to more of your frequently asked questions about karate martial arts classes in NYC, stay tuned for the final installment of this three-part article series.

About the Author: About Mara Fineshriber:This FAQ guide to Karate in New York was written by Mara Fineshriber, an experienced science and web writer who works with clients from a wide range of industries, including dentistry, acupuncture, health and wellness and, more recently, martial arts in NYC.To know more about “Karate New York” please visit

advancemartialartsconnect.com/martial-arts-resources/karate-new-york

Source:

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Submitted by: Gazala Rashid

It’s inevitable that we all grow old. As this happens to your parents, you may find that in time they have become your dependents. If one or both of your parents live abroad you may want them to join you in the UK so that you can take care of them. If you’re in this situation, it’s essential to understand the immigration rules that apply:

When would my parent(s) be allowed to join me in the UK?

If your mother or father is aged 65 or over, they can apply for Indefinite Leave to Remain in the UK. If both parents are applying to join you and will be travelling together, at least one of them should be aged 65 or over. If one or both of your parents are under this age, they can still apply to live in the UK with you, but it must be deemed to be under the ‘most exceptional compassionate circumstances’. In all cases, applying parents should have no close relatives in their own country whom they could turn to for support.

What if my parent has remarried, can their spouse join us too?

If your parent is 65 or over and has remarried, they should be in a situation where their spouse or civil partner is also unable to support them financially. They will be allowed to bring their spouse or civil partner to the UK, along with any dependent children from the relationship.

What are the requirements that involve me?

If you are calling a dependent parent to live with you, you must be present and settled in the UK. Your parent should be fully or largely financially dependent on you. In addition, you should be able to support and maintain them – along with any spouse, civil partner or dependent children they bring with them – without anyone having needs to apply for public funds. This includes housing them in a place which you own or live in and which proves to be adequate accommodation for them.

Is there anything else they will need to do?

Your parent(s) should be in possession of a valid Entry Clearance when entering the UK. Entry Clearance is the procedure used to determine whether the applicant successfully meets the criteria required to reside in the UK as a dependent. Your parent may have to visit the British Embassy Government Consulate in their local area for this clearance to be obtained.

The application to enter and reside in the UK as a dependent needs to be made in the country of residence of the parent who is applying. It is wise to obtain the advice of a professional UK immigration lawyer who can help applicants and their sponsors understand the application procedure, assist with filing applications correctly and offer counsel concerning any issues that may be problematic to their application.

If you liked this article, tell all your friends about it. They ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site (don t forget to mention www.ukmigrationlawyers.co.uk as the original source.

Disclaimer: Please note that these articles and the information contained herein are purely for general guidance and do not constitute a professional legal or any other opinion as to the merits of a particular application or whether specific immigration requirements have been met of a particular category. This information is generic and should not be relied upon as a definitive guide to fulfilling specific category requirements. However should any individual do so it is at his or her own risk for which UK Migration Lawyers Limited cannot be held responsible in any way.

About the Author: Gazala Rashid has been an

immigration lawyer in the UK

since 1999. She has great expertise in all aspects of UK immigration, asylum and nationality law, and you may view her articles on these topics in her blog at www.ukmigrationlawyers.co.uk/blog

Source:

isnare.com

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