Is Bankruptcy Avoidable?

May 22nd, 2012

One of the hot topics going around lately has been bankruptcy. It?s something that definitely weighs on me, since I am the daughter of parents who declared bankruptcy once upon a time.

When I got to college, I didn?t really pay attention to their bankruptcy. I thought that such a thing would never happen to me. I came very close to declaring bankruptcy because of how far down in the hole I got with my debts. But I got things turned around, so I?m able to say that I never had to file. However, is everyone that lucky? Not really. You have to make sure that you figure out how your situation will be affected by a bankruptcy. I will cover mostly UK bankruptcy, though I haven?t forgotten about my US friends ? I will cover this in another guide for you!

You see, bankruptcy is a way to deal with the debts that you really can?t pay. And by ?really can?t pay?, I mean when you have given it your best effort and you just can?t seem to get ahead. That?s when you have to really think about whether or not it?s really a good idea to keep paying the money in the first place.

You might want to go ahead and tend to something else, anything else than constantly worrying about something else breaking in your financial life. When my parents finally decided to declare bankruptcy, I found out that they had honestly tried to do everything but file. However, you come to a point where you really know that you just don?t have another option. If you?re in that position right now, you have my apologies.

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Europe's 'vicious circle' threatens world, OECD says

By msnbc.com and news services

The United States and Japan are leading a fragile economic recovery among developed countries that could yet be blown off course by the European debt crisis, the?Organisation for Economic Co-operation and Development?warned on Tuesday.

"The eurozone crisis remains the most important downside risk to the global economy,"?the?OECD, which specializes in economic policy for advanced economies, said in a report.?

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"The risk is increasing of a vicious circle, involving high and rising sovereign indebtedness, weak banking systems, excessive fiscal consolidation and lower growth," OECD?Chief Economist Pier Carlo?Padoan said in the?report.?Such a scenario "may materialize and spill over outside the euro area with very serious consequences for the global economy."?

Greeks withdraw $894 million in a day: Is this beginning of a run on banks?

The comments were essentially a warning to European Union leaders as they prepared to gather in Brussels on Wednesday for meetings on how to restart growth and resolve the political impasse in Greece, where voters have rejected austerity measures in elections on May 6,?according to?Bloomberg.?

NYT: G8 lean toward Obama growth, not Merkel austerity

Although OECD economies were on the mend, the eurozone's debt crisis could still spiral out of control with Greece struggling to remain solvent and Spanish banks needing to be recapitalized, Padoan said.?

The European Central Bank's injection of one trillion euros (about $1.28 trillion) into the eurozone's banking system and an increase in European bailout funds and IMF reserves had helped keep the eurozone's debt crisis from spiraling out of control, he said.?

Video: Obama urges G8 leaders to drive economy?

"We see a slow rebound of growth in the United States driven mostly by private demand, some pick-up in Japan and moderate to strong growth in emerging economies,"?OECD?chief economist Pier Carlo?Padoan?told Reuters in an interview.?

In Greece, a senior judge is to be put in charge of a caretaker government to run the country until a new General Election on June 17. Questions are growing over whether the country's finances will last that long. Hundreds of millions of euros have been withdrawn from Greek banks in recent days over fears of a departure from the euro - and return to a devalued drachma. Jonathan Rugman, Channel Four Europe reports.

"We also see flat growth in the euro area which hides important differences, with northern countries growing and southern countries in recession," he added.?

Economists see 7.5 percent unemployment by end of 2013

The Paris-based group forecast that?the 17-member eurozone economy would shrink 0.1 percent this year before posting growth of 0.9 percent in 2013. The American economy, in contrast, would grow by?2.4 percent this year and 2.6 percent in 2013, it predicted.

Msnbc.com staff and Reuters contributed to this report.

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NATO summit: Who will foot the bill for long-term Afghanistan security?

A war-weary US faces off with wary NATO allies in Chicago about money and support for Afghanistan after US combat troops withdraw in 2014. Don't expect any "Mission Accomplished" speeches.?

By Howard LaFranchi,?Staff writer / May 19, 2012

Afghan National Army troops prepare to march in a parade. The issue for NATO members is who will pay Afghan forces after NATO leaves in 2014.

Melanie Stetson Freeman/Staff

Enlarge Photos

When NATO nations meet in Chicago May 20, one question will top the agenda: What happens in Afghanistan when US combat troops leave?

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To be sure, some troops from NATO countries, led by the United States, will likely stay behind after 2014 ? both to train Afghans and act as a hedge against the Taliban's return. The summit will try to iron out some of those details.

But perhaps even more crucial ? certainly for Afghanistan itself ? is the question of who will foot the bill for Afghans to protect themselves. Afghanistan does not have remotely enough money to defend itself. Left alone, it could afford to pay about 30,000 soldiers and police officers. Currently, with international aid, it has more than 300,000 ? a number that some experts say is too low.

As a result, much of the Chicago summit will be a passing of the hat for Afghanistan. With NATO countries war-weary and economically strapped, the commitments may not exactly fill that cup to overflowing.

It points to a NATO role in Afghanistan that will continue for years after the end of the international combat mission in 2014, but at a much-reduced and still uncertain level. And it suggests that for all the heady words spoken by NATO leaders, funding and troop pledges for an event still two years away are likely to remain vague.

The two-day meeting "will be something of a tin-cup exercise and should give us some idea of what the [NATO] coalition countries' post-2014 commitments to Afghanistan will look like," says Heather Conley, director of the Europe program at the Center for Strategic and International Studies in Washington.

In a clear reflection of this reduced commitment to Afghanistan, the gathering is expected to endorse the scaling back of the Afghan National Security Forces. Army and national police forces once envisioned to hover around 350,000 personnel for years after NATO's departure are now seen as gradually scaling back to something over 200,000 by 2018.

"The idea is to gradually reduce the size of the Afghan forces to make them more affordable," says James Dobbins, a former US Afghanistan envoy and now director of the International Security and Defense Policy Center at the RAND Corp. in Arlington, Va.

US share: about $2 billion per year

Pre-summit discussions among NATO countries resulted in a consensus that foresees the US picking up "the largest part of the cost," Ambassador Dobbins says, with other countries making up the rest. That US share is expected to be about $2 billion a year, with other countries making up the difference of an annual bill of about $4 billion.

Afghan President Hamid Karzai has indicated that he doesn't think the $4 billion will be enough. During the recent surge, the US was spending about $100 billion a year to maintain its force of 100,000 troops.

Dobbins says he expects the pledges at Chicago to remain general, in part because countries are reluctant to make specific funding commitments for what is still a few years off. Moreover, NATO nations are concerned that promised gains in Afghanistan have not panned out.

"The thinking was that the US surge would kick the stuffing out of the Taliban, they would thus be on the road to defeat, and we'd be handing off a much simpler job," says Stephen Biddle, senior fellow for defense policy at the Council on Foreign Relations in Washington. "Instead, in 2015 we'll be handing off a stalemate and a war that in fact is not going to be ending anytime soon."

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May 20th, 2012 chenshanshan Posted in Uncategorized | No Comments ?

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Child Care Training Courses and How to Find ... - Health and Fitness

One of the more rewarding careers that individuals have even given up their full-time jobs for is child care. Many individuals have converted parts of their homes into child care centers in order to facilitate their needs. In order to enter the field as a child care professional, it is necessary to undergo child care training and then be licensed by your city to start your business. In some instances, county and state licensing requirements must be meet along with whatever your city requires.

If you are going to pursue a career in this broadly widespread and popular area, you will need accredited children?s care training. The first thing you need to realize is the fact that the area of child care training covers a very broad spectrum which includes child development, diet and nutrition, health, language development, positive discipline, and safety. Every state requires specific training which typically differs from one state?s jurisdiction to the next as well as the number of education and training hours you are going to need each year.

In order to know where you should start with your training, you will want to refer to your state?s licensing requirements to determine the type of training you should pursue and the number of hours that are required. Here are some suggestions for how to go about receiving the training and licensing you will need:

Find out what state agency is responsible for licensing and registration ? there is a state licensing agency database online that provides contact information known as the National Resource Center for Health and Safety in Child Care and Early Education.

Speak with a licensing agent and get a listing of all the approved agencies ? be aware of the fact that many courses targeting children?s care training meet the state?s requirements. The licensing agent can point you in the right direction so you avoid taking the wrong courses.

If one is available in your area, join a care association ? again, that state agent can assist you with this. They will provide you with the necessary contact information regarding national and local child care associations that offer conferences and workshops which count towards the required training hours.

Contact a Red Cross chapter in your area ? enroll in a CPR (cardiopulmonary resuscitation) and first-aid course in order to receive the proper, state-approved CPR and first-aid certification.

Finally, there are some tips and warnings to be aware of when you are planning to receive care training. In many cases, you will find that state contracted agencies will provide the proper training for child care providers FREE of charge, but you will want to inquire about this in order to be sure there are no fees required.

Another key issue to be aware of is the fact that there are numerous care training courses available online. Stay away from these as the majority of the states do not accept online CPR and first-aid training certification or licensing.

For the latest videos and training information on child development as well as books and curricula on Autism please visit childdevelopmentmedia.com.

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