Common Reasons People File For Bankruptcy

October 19th, 2016

By Adriana J. Noton

Bankruptcy is often a word that’s enough to make many people curl up in the fetal position and whimper. Of course, this image is a slight exaggeration, but the thought of bankruptcy can still bring about feelings of panic and dismay for many people. The reason the bankruptcy concept is so unsettling is because it wouldn’t even be mentioned if your finances weren’t in a sorry state and creditors weren’t breathing down your neck. If you’re considering filing for bankruptcy, you have money troubles; big ones. Bankruptcy is typically the last resort for many people when other forms of debt settlement or debt consolidation aren’t possible. People generally file for bankruptcy for a handful of different reasons.

Perhaps the top reason that people file for bankruptcy is to eliminate the obligation to pay off debts. One of the main features of bankruptcy is that all of your unsecured debts are wiped away and you don’t have to pay them. Bankruptcy also damages your credit and you may lose assets, so it isn’t just an easy way to avoid paying your debts, but it will wipe the slate clean. Some of the reasons your situation may have gotten so bad in the first place are from taking on more forms of credit than you’re able to pay.

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A change in your financial situation may also facilitate filing for bankruptcy. Sometimes, a person may lose their job and then the handful of monthly credit payments start to fall by the wayside. Having a couple of credit cards, loans or lines of credit might not be a problem if you’re working, but if your income is taken away, making those payments and paying for necessities may become impossible. In these situations, bankruptcy might be the only way to get out from under the debt.

If you still have your job, but have incurred new expenses such as medical bills due to an injury or illness, this may also end up in a bankruptcy. Medical bills can add up fast, especially if they are for a chronic or long term illness. It isn’t too far fetched to see how credit payments might be missed when someone’s health is at stake. Depending on where you live, bankruptcy may also stop the foreclosure of your home or prevent your car from being repossessed. Some bankruptcy plans can put the brakes on creditors taking your property, and while it won’t wipe out the amounts owing, you will be given a plan to help bring them up to date.

No one ever wants to have to think about bankruptcy as an option, but if your debts really are closing in on you, it may be the best solution. A debt solution company can sit down with you and go through all the different options, which may or may not include bankruptcy. By talking with professionals, at least you’ll know that bankruptcy was the most logical choice for your specific situation.

About the Author: If you have been searching far and wide for

bankruptcy Markham

alternatives that fit your particular lifestyle and situation, then a visit to Killen Landau & Associates is a must.


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Australian government commits AU$60 million to cut greenhouse emissions

October 19th, 2016

Wednesday, November 1, 2006

In response to the Stern Report, Australia’s Prime Minister John Howard announced AU$60 million to fight climate change, on 42 projects to reduce greenhouse gas emissions. The projects are part of the Asia-Pacific Partnership on Clean Development and Climate.

“The Asia-Pacific Partnership includes countries that represent about half of the world’s emissions, energy use, GDP (gross domestic product) and population, and is an important initiative that engages, for the first time, the key greenhouse-gas emitting countries in the Asia-Pacific region,” Mr Howard said in a statement.

Howard told the audience at the CSIRO’s Ensis, a research and development organisation for the forestry industry, the government was taking practical steps to lower greenhouse gas emissions and symbolism would not clean up the air.

“Symbolism will not reduce greenhouse gas emissions. Practical methods will and that is what I’m interested in…The thing that matters is doing things” he said.

More than half the money is going to projects to develop clean coal technology, including $8 million for a mobile carbon catcher for coal-fired power stations.

$17.5 million will be spent on renewable energy projects, including high efficiency solar power stations and solar-enhanced transport fuels.

$11 million will be spent on coal mining. $6 million will be spent on improving energy efficiency of appliances and buildings, and AU$2.5 million will be used to help the aluminium industry reduce emissions.

Howard dismissed as “pure speculation” the Stern Report’s more alarmist projections.

“Talk about hot air. There’s an enormous amount of hot air on this issue,” Howard says “what we need are measures which actually achieve results.” and that his announcement will achieve results.

Murray Hill on the life and versatility of a New York drag king

October 18th, 2016

Monday, November 19, 2007

Drag—dressing in the clothing atypical of your born gender—in recent years has found mainstream success. Films such as Priscilla, Queen of the Desert, Midnight in the Garden of Good and Evil and To Wong Foo, Thanks for Everything! Julie Newmar have prominently featured drag performers. But they have all focused on men in drag as women.

Murray Hill is a comedian, emcee and performer. He is also a drag king. Called “The Hardest Working Middle-aged Man in Show Business”, The New York Times christened him “the current reigning patriarch of the downtown performance community.” He is seemingly everywhere, emceeing a bingo night at the now closed, Jimmy Fallon-backed Mo Pitkins’ House of Satisfaction on Avenue A, or hosting the Polyamorous Pride Day in Central Park. Hill has become a legend in New York’s “anything goes” counterculture theater scene who is beginning to find mainstream success; which would be a first for a drag king.

David Shankbone’s examination of New York City‘s culture has brought him to the whip’s end of a BDSM dungeon, on the phone with RuPaul, matching wits with Michael Musto, grilling Gay Talese, eating dinner with Augusten Burroughs and quizzing the bands that play the Bowery Ballroom. In this segment he talks to downtown legend Murray Hill, former New York City mayoral candidate and comedian, on the last night of Mo Pitkins’ House of Satisfaction.


  • 1 Murray Hill the performer
  • 2 Murray Hill the person
  • 3 Drag as performance art for women
  • 4 The gay community and drag artists
  • 5 Drag queens and drag kings: the differences
  • 6 The direction of New York downtown culture
  • 7 Sources

News briefs:August 9, 2006

October 18th, 2016

The time is 22:30 (UTC) on August 9th, 2006, and this is Audio Wikinews News Briefs.


  • 1 Headlines
    • 1.1 British soldier dies in Afghanistan
    • 1.2 Lieberman loses to Lamont in Connecticut primary
    • 1.3 Coca cola and Pepsi face ban in Indian states
    • 1.4 Arrests over phone-tap of British royal family
    • 1.5 Fire at New Zealand hospital destroys laundry
    • 1.6 Brothers found guilty of killing schoolboy
    • 1.7 Edinburgh Fringe festival begins
  • 2 Closing statements


Art Activities And Supplies For Arts And Crafts For Kids In Dubai

October 17th, 2016

Art Activities and Supplies for Arts and Crafts for Kids in Dubai


creativeminds Art Activities and Supplies for Arts and Crafts for Kids in Dubai

When it comes to having a good time, you will want to think about gathering art activities and supplies in Dubai to do the arts and crafts for kids that they love. This is a big thing since you want to ensure that you\’re giving them something educational at the same time. Kids can be molded and they are constantly learning so you need to provide them with educational art activities and art supplies in Dubai that they will have fun doing the arts and crafts for kids with while also being able to learn a little bit more at the same time.

What is Out There for Art Supplies and Activities

When it comes to choosing the art supplies and

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art activities in Dubai

, you have to think about what you\’re actually getting. You want the children to enjoy it so perhaps you want a creative, coloring book that states what things are and where you can find them throughout the world. This could be educational, fun arts and crafts for kids activity. You do not have to worry about bringing home art activities or art supplies in Dubai that they will hate since there is so much to choose from.

arts and crafts for kids

range from so many things. You can also find projects to put together such as the solar system. These projects do not just have to be fun; they can be educational as well when the time comes. You just have to choose wisely.

Having Fun with Arts and Crafts for Kids

If you want to have fun with the arts and crafts for kids, you can as well. Spend some time with them once you bring home the art activities and

art supplies in dubai

and teach them things they might not have known about before. You want to bring a little more to the table with your choice of arts and crafts for kids. You want the art activities and art supplies in Dubai to capture their attention and yours so you all can have a wonderful time playing together. Bringing these supplies home can bring the family closer than they have ever been since you\’re working on a project that you all enjoy. You shouldn\’t have to worry about finding something else to do during family time since you\’re all together at the table putting a new project together every week while teaching the children new things.

We believe that our products strive to make learning into a fun process for both the educator and the student. We aim to provide all the necessary tools for you to brighten the future of your students and children. We cater to both parents and teachers and our products enrich the minds of newborns and young adults. Find out more at

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Winfrey announces end of ‘Oprah’

October 17th, 2016

Sunday, November 22, 2009

Twenty-five years feels right in my bones and feels right in my spirit

Oprah Winfrey has announced that she will retire from her talk show on September 9, 2011, during season 25. Winfrey made the announcement on Friday’s broadcast of The Oprah Winfrey Show. Suppressing tears, she explained that careful thought and prayer had gone into her decision. “Twenty-five years feels right in my bones and feels right in my spirit”, she told her audience.

The Oprah Winfrey Show was first televised on September 8, 1986. For the first ten years she competed with other talk shows by discussing relationships and parallel subjects. In the late 1990s her show changed focus to incorporate stories relating to spirituality and human interest.

Winfrey has had lasting effects on the city of Chicago, Illinois. The surrounding neighborhood of Harpo Productions was rundown prior to the company’s success. Chicago residents have expressed concern over what would occur if Winfrey were to leave. According to the Associated Press, citizens view The Oprah Winfrey Show as, “a reminder of what has been, and what could be lost.”

News sources speculate that Winfrey will air a replacement on the Oprah Winfrey Network in 2011.

Mayfield Exposed! highlights artworks of Brampton high school students

October 17th, 2016

Saturday, September 23, 2006

Now on display at the Fridge Front Gallery in Shoppers World is “Mayfield Exposed!”, an exhibit of artworks by high school students.

Eighteen students in Mayfield School of the Arts’ Visual Arts program participated, from grades nine, ten, and eleven. The exhibit was organized by Stephanie Hagendorn and Paulina Su, both students at Mayfield who were once Visual Arts Brampton teen members.

The exhibit highlights a diverse range of subject matter, medias used, and style.

Among the sixteen other artists participating are Alana Arvay, Nicole Clouston, Emily Kowalik, Susan Li, Kirsten Marry, Tiffany Modinsar, Jannin Moore, Sarah Patterson, Alexandra Platt, Ricardo Stephen, Paulina Su, Brandie Wilkerson, Kristen Wilkinson, Clint Wilson, James Wu, and Lisa Young.

Fridge Front is run by Visual Arts Brampton, and is located on the west side of Shoppers World mall in Brampton. Shoppers World at 499 Main Street South, at the corner of Steeles Avenue.

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.

It’s a GLAM wrap: Curators meet collaborators at Canberra conference

October 16th, 2016

Monday, August 17, 2009

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Earlier this month, over 150 delegates from cultural institutions, government and the online community gathered at the Australian War Memorial in Canberra over one and a half days for the first GLAM-WIKI conference. The conference brought together representatives from the GLAM sector, comprising galleries, libraries, archives and museums, politicians, and members of the Wikimedia community (who edit the online encyclopedia Wikipedia and its sister sites), to enter into a dialogue regarding ways the three areas can work collaboratively to preserve and promote cultural collections online.

Highlights from the conference included keynote speeches by Wikimedia Foundation Chief Program Officer Jennifer Riggs and Senator Kate Lundy, as well as a panel discussion on the political pressures involved in improving and disseminating GLAM organisations’ online collections featuring Senator Lundy as well as Senator Scott Ludlam, ACT Legislative Assembly shadow minister Alistair Coe, Government 2.0 Taskforce member Seb Chan, Adjunct Director to the Digital Library of the National Library of New Zealand Paul Reynolds and Kylie Johnson, the New Media Advisor for the Department of the Environment, Water, Heritage and the Arts. Sessions focused on ways the Wikimedia and GLAM communities could better work together to further their missions of preserving, curating and sharing cultural knowledge, with streams examining the topics of legal and technical barriers, and the impact on business and education.

Two case studies were presented at the conference, the first being the Powerhouse Museum’s experimental release of some of their photographic collection to Flickr Commons, and the second the collaboration between the German Wikimedia chapter and German Federal Archives to release their collection to Wikimedia Commons. While these and other projects were examined as successful forays into open content, the recent legal action between the United Kingdom’s National Portrait Gallery and a Wikimedian was raised in most sessions as an example of such efforts having negative consequences.

Delegates at the conference engaged in heated discussion both on- and offline, with the #GLAM-WIKI tag on Twitter generating over 500 tweets during the course of the first day. Overall, feedback from participants was strongly positive over both the event and its plans for the future.

Liam Wyatt, the Vice President of the Australian Wikimedia Chapter and organiser of the event, was impressed by the turnout. According to Wyatt, “at 170 registrations it is one of the largest Wikimedia events ever, after [international Wikimedia conference] Wikimania, and to be able to offer that for no attendance fee is testament to the support we received from our partners – most especially the WMF … There are many proposals and discussions that are now starting up as a result of the event and, rightly, these may take quite some time to bear fruit. However, what I think we have achieved immediately is to take the heat out of the debate between the cultural sector and the Wikimedia community.”

Jennifer Riggs was similarly impressed by the dialogue that came as a result of the conference. “It’s gone terrifically, really. People have had the opportunity to be really frank about the concerns that they have.”

How To Dress Up Your Own Site With Articles

September 30th, 2016

How To Dress Up Your Own Site With Articles



Article directories are a great way to submit high quality articles, have webmasters pick them up, and for you to reap great back links to your site. Still, all directories have restrictions and these restrictions can limit the number of quality links you put within the body of your article or strip them out entirely. If you run your own site, these rules have no bearing on how you manage your site. The following are some strategies I have employed that not only have given my site a Google page rank of 6, but have helped me to maximize my articles exposure on the internet.

Lots of links.

My articles have a similar resource box to those found on article directories, but I don t stop there. Within the body of an article, I frequently add additional links, sometimes lots of links to other sites. They don t have to be to sites I run, but to other

high quality

sites. If I am writing an article about Ford cars, you better believe it that I have links to pages for the Ford Mustang, to the Explorer, and any other vehicles I mention. Google seems to like these types of pages as some of my articles are getting ranked high too. One article already pulled down a page rank of 4!

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Add pictures.

A picture speaks a thousand words

A picture can help your article look more professional. I also will use a company logo, if I have express permission. With some of my links and pictures I will hyperlink them to other pages on my site or to other sites altogether.

Welcome the robots.

I mentioned in another article that


is my friend. Do everything possible to keep your site crisp, clean, and clear and toss out anything that looks


. Most of my articles also have the requisite AdSense ads on them in part for me to make income, but also to tell me if the ads served up are related to the article I wrote. Almost without exception they are, but you need to check back to verify.

So, why go through all this trouble? Hopefully, to bring in additional business for yourself. Most of the work that I get is directly from my site, which I only set up on May 31, 2010! Not a bad track record, don t you agree? If I can do it, you can do it too! What are you waiting for? Get started today.

Here you can go for unique web content,

Article Webstore

or click here for fresh web content plus even a full operating salespages,

Frank Breinling Blog

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Ford Motors posts US$2.7 billion annual profit

September 29th, 2016

Thursday, January 28, 2010

Ford Motors Co., the automobile manufacturing firm, has posted an annual profit for the last year of US$2.7 billion, the first gain for four years.

The statistics are an improvement from 2008, when the car company posted a loss of close to $15 billion. For the final quarter of 2009, Ford says it made profits of $868 million, and expects to continue to be profitable this year. The company had cut its costs to $118.3 billion last year, $19.8 billion than the year previous. Ford had a $34.3 billion debt at the end of 2009.

In the fourth quarter, Ford brand sales were up thirteen percent compared to the same time in 2008 in the US, and obtained 15.3% of the automobile market in the country.

The firm’s president and chief executive, Alan Mulally, commented on the profits. “While we still face significant challenges ahead, 2009 was a pivotal year for Ford and the strongest proof yet that our One Ford plan is working and that we are forging a path toward profitable growth,” he said, adding that “global economic conditions are reviving but remain fragile.”