Kamis, 26 Mei 2011

Article Direct and Indirect

The Direct and Indirect Cost of Bankruptcy


When you make that final decision to file for bankruptcy, it is also the time to consider the cost of bankruptcy. The decision to file for bankruptcy is undoubtedly the last step one would resort to when reeling under financial distress and there are no options available to clear off the economic mess that has engulfed the individual.

Before you actually get down to the process of filing for bankruptcy, it is important to understand the implications such as the cost of bankruptcy and the social impact of being labeled a bankrupt person or company. Yet, there are times when an individual is forced to go ahead with the process because there are no options available. Under such circumstances it is better to file for bankruptcy because the longer you wait for the situation to change the deeper will be the mire that you will find yourself in.

At the very onset, it is important to have the assistance of a qualified and experienced bankruptcy attorney. There is no doubt that it would add to the cost of bankruptcy, but you can be sure that the correct procedures will be followed and the process will be completed with minimum fuss in the shortest possible time. Even if you just need advice from attorneys and handle the filing part yourself, you still will need to pay consultation charges to the attorney.

You have to deal with what is known as Filing Fees which are mandatory charges for filing for bankruptcy. Of course, there are many more payments that you will have to contend with as the process goes through various stages. Chapter 7 and Chapter 13 are the two main chapters under which you can file for relief from your financial conditions.

If however you make an error of judgment and file under the wrong chapter, then shifting to another chapter would entail additional cost and can add to your misery.Bankruptcy credit report is a relatively simple process which can be done professionally with the help of experts in the field. Experts' advice extreme caution when you make the decision to file for bankruptcy so that there is no room for errors. Mistakes can invariably add to the cost. There are other cost of bankruptcy involved such as fees for abandonment of property, reopening fees and withdrawal of reference fees.

There are many other costs that you will be paying indirectly such as a huge damage to your credit ratings, social standing and higher interest rates that you will be required to shell out when buy any household item or other equipment in installment. In other words, the cost of bankruptcy will affect you in more ways than one.

Miser


Nomads and the Miser who lost treasure A very stingy to bury his gold in secret in a secret place in his garden. Every day he went to the place where he buried his gold, dug it up and count them back one by one to ensure that no gold is lost. He very often do that so that a thief who watch him, can guess what is hidden by the Miser, and one night quietly dug treasure thief and took him away.

When the Miser aware of losing his property, he became very sad and desperate. She was moaning as she tugged at her hair.

One person passing traveler in the place heard him crying and asked what happened.

"My gold! .. Oh my gold!" Miser said, "someone has robbed me!"

"Your gold! In the hole? Why did you put it there? Why do not you save the gold in the house where you can easily retrieve it when you want to buy something?"

"Buying something?" screamed the Miser angrily. "I'm not going to buy something with gold. I never even thought to buy something with gold." he shouted again angrily.

Nomads were then picked up a big stone and threw it into the pit of treasure that has been empty.

"Then," he said again, "close and bury the stone, it is equal to treasure that has been lost!"

Wealth we have the same value with the use of such property.


Seven Crow Bird


Previously, there was a man who had seven sons, and men have not had the old girl-idamkannya diidam. Seriiring with time, his wife finally gave birth to a daughter. The man was very excited, but a new-born daughter was very small and often sickly. A physician told the man to take on an existing water wells and bathing her daughter, a sickly with water from the well for the child to obtain blessings and good health. The father then told one of his sons to take water from the wells. Six other boys wanted to go to fetch water and each boy was very eager to get the water first because of his affection towards younger women only. When they arrived at the well and all trying to fill the jar given to them, pitcher fell into the well. The seven boys are just quiet and did not know what to do to take a pitcher who fell, and none of them dared to go off home.

Her father is waiting at home finally lost patience and said, "They must have forgotten because to play, bad boy!" Fearing that her daughter grew ill, he then shouted angrily, "I hope my son all turned into a crow." When word came out of his mouth, he heard the fluttering wings of flying in the air, the father went out and saw seven black crows birds flew away. The father became very sorry for the curse words out and do not know how to undo the curse. But despite losing seven of their son, the father and mother still get a consolation because her daughter health gradually improved and eventually the girl grows into a beautiful girl.

The girl never knew that she had seven brothers because their parents never told him, until one day the girl accidentally overheard the conversation some people, "the girl is very pretty, but the girl should be blamed for the result of bad luck the seven sisters. " The girl became very upset and asked his parents about the seven brothers. Finally, his parents told him all what happened to the girl's seven brothers. The girl became very upset and determined to find the seventh brother secretly. He did not bring anything except a small ring of her parents, a bread for hunger and a little water to withstand thirst.

The girl walked on, continue to the end of the world. He went to the sun, but the sun is too hot, and he later met the moon, but the moon is too cold, then she met the stars were friendly to him. When the dawn star appeared, the star gave him a chicken bone and say, "You must use this bone as a key to open the mountain made of glass, there you will be able to find your brothers.

The girl then took the bones are, store them carefully in his clothes and went to the mountain is in sight by morning star. When he had arrived at the mountain, he realized that the bones to unlock the gates of the mountain had disappeared. Because he hopes to help the seventh brother, the girl and then took a knife, cut kelinkingnya finger and placed it in front of the gate. The door was then opened and the girl can enter into, where a dwarf to him and asked him, "Son, what are you looking for?" "I'm looking for seven brothers, seven crows," replied the girl. The dwarf and said, "My lord has not come home, if you want to see him, please come in and you can wait here." Then the dwarf was preparing lunch on a small plate for the seventh seven brothers of the girl who has become a crow. Because the hungry, the girl took and ate little food available on each plate and drank a little from each of the small glass. But in the last glass, she dropped the ring of her parents who brought with him.

Suddenly he heard the fluttering wings of a bird in the air, and it was a runt that said, "Now my lord has come." When the seventh will begin to eat crow, they realized that someone had eaten a little food from their plates. "Who has been eating my food, and drank my drink?" said one of them. When the last crow drink from his glass, a ring into her mouth and when the bird noticed the ring, the crow said, "Blessed are you, dear sister we may have here, this is the time we could get rid of the curse." The girl who stood behind the door to hear what they say, eventually came forward and at the same instant, the seven crows turn back into humans. They eventually hugged each other and go home together to their home happy.

Ants and Grasshoppers


Ants and Grasshoppers During the day in late autumn, a family of ants who have worked hard all summer to gather food, to dry the grains of wheat that they had collected during the summer. It was a grasshopper that hunger, with a violin in his hand came and begged for a family of ants that provide little food for themselves.

"What!" cried the Ants in surprise, "do not you have been collecting and preparing food for the winter that will come of this? So far, what are you doing all summer?"

"I do not have time to gather food," complained the Grasshopper; "I am very busy making songs, and before I realized, the summer is already gone."

Ants are then shrugged his shoulders because they feel upset.

"Making a song you say yes?" said the Ant, "Okay, now that the song you have completed in the summer, it is time you dance!" Then the ants are turned over and continue their work regardless of the grasshopper again.

There was a time for work and there's time to play.



Rabu, 25 Mei 2011

Present Perfect Tense


• Present Perfect is used to declare an act that occurred at some time in the past.
• Present Perfect Tense is used with the statement of the specific time such as: yesterday, one year ago, two weeks ago, last week, Pls I was 10 years old, Pls I lived at Jakarta, at That moment, that day, one day, and forth.
• Present Perfect Tense times can be used with non-specific statements such as: ever, never, many times, installments times, once, before, so far, already, yet, and so forth.

The figure shows the existence of Present Perfect, which is at an unspecified time in the past.
Elementary Forms of the Present Perfect Tense
1. Positive
Subject + Has / have + Verb 3 (verb 3 is also called past participle)
2. Negative
Subject + Has / have + Not + Verb 3
3. Interrogative
Has / have + Subject + Verb 3
Examples of the Present Perfect Tense Sentences
1. I have watched That movie 3 times.
2. There have been many floods in Indonesia.
3. Scientists have traveled to the Moon and Mars.
4. Ordinary people have not traveled to Moon and Mars.
5. I think I have met her before.
6. Have you read the book yet?
7. Nobody here has ever seen a ghost.
8. Has there been a war in Japan?
Note that the examples above in accordance with the basic pattern of the Present Perfect Tense, of course only added to the objects and adverbs, It is the same as Indonesian.
Use of Present Perfect Tense
1. Stating experience
Present Perfect can be used to express the experience, good experience that has experienced or not. Present Perfect is used to describe a particular event. Example:
• I have been to England.
The sentence states that I have the experience to go to England. Can also coupled with the information object (eg: with him) or a description of time (eg: once).
• He has never traveled by plane.
• I have studied Home.
• We have met uterus.
2. Stating something that changes from time to time
Example:
• You have been thinner since the last time We met.
• His Home has really improved since he joined the course.
• Harvard has changed from one of the world's most popular universities.
3. Stating an achievement
Example:
• The baby has learned how to walk.
• Scientists have invented many new medicines.
• Man has walked on the Moon.
4. Declaring an act we expect but have not occurred
Example:
• The rain hasn't stopped.
• They have not arrived.
• I have not finished my homework yet.
5. Stating some of the actions that have occurred in the past at different times
Example:
• I have Had two tests and three presentations so far this semester.
• She has talked to doctors about her problem installments, but there is no solution yet.
• The government has caught eight corruptors so far this year.

Present Perfect Tense

Present perfect tense is used to specify an action that has taken place sometime in the past, time of which is not known.

Usage

•    Used to describe ones experience.

Example: I have been to London (this means I have had the experience of being in London)  [time period not mentioned.]
I have never been to London.
I have been to London couple of times.
Akshay has never travelled by train.

•    Used to talk about achievements/accomplishments of individuals or the society.

Example: Scientists have deciphered the DNA.
Man has reached the Moon.
My daughter has learnt to speak well.

•    Used to talk about the change that has happened over a period of time.

Example: My English has really improved since I moved to a convent school.
Life has become fast with the advent of internet.
The Government has become strict about cleanliness issues.

•    Used when we are waiting for an action to happen or get completed.

Example:  Simran has not finished her assignment yet.
Rain has not stopped.
The Air India flight has not arrived.
Her son has not yet learnt how to walk.

•    Used to denote multiple actions at different times.

Example: She has undergone five ultrasounds and six kinds of blood tests till now.
The terrorists have attacked the hotel four times.
We have had many obstacles in this project.

•    Used to discuss events that have completed just at the moment of speaking.

Example:  Have you done the cleaning?
                  Yes, I have just finished it.


NOTE: Present Perfect is always used with an unspecified time period. We cannot use Present Perfect with expressions like ‘yesterday’, ‘tomorrow’, ‘one year ago’, ‘that day’ etc. We can use Present Perfect with expressions like, several times, many, before, so far, in the last year etc. For specific time expressions we need to use simple past.

Example
:  I went to Japan last year (Simple Past). [This sentence means I went to Japan an year ago]
                 I have been to Japan in the last year. (Present Perfect) [This sentence means I went to Japan atleast once in the time period 365 days ago till now]

Question form of Present Perfect

Have you eaten your lunch?
Have you finished the work I gave you?
Have you taken any medicine?

Use of For and since with Present Perfect

‘For’ is used for a time period while ‘since’ is used for a point of time.
Example: I have been here for the last 40 minutes.
I have been here since 10 am.
Deepika hasn’t called for the last three weeks.
Deepika hasn’t called since August.

Presto Fry Duck Business Opportunity Software

Once you get the info the other day about business opportunities soft chicken bone, you now we will to see business opportunities soft presto fried duck.

Popular savory duck meat is delicious. Most people do not like chicken, choose bebekkarena gurihnya it. Unfortunately the duck meat rather 'tough' (hard). If not cooked soft, certainly less delicious taste, right?

How to cultivate soft fried duck, in principle the same as the soft bone chicken. For duck meat and bones become soft, you are using a pan / engine presto, just like in MesinPresto.com

As with chickens, ducks can be processed in various ways and flavors. Ducks can be fried, dibumbu coconut milk, etc.

For example, this time we will invite you to see how to make fried duck soft presto

How to Create Duck Software Presto

First of all, you have to prepare the materials needed for this fried duck, among others:
1 whole Duck Young
50 ml Lime Water
1.5 liters Water
2 cm galangal that have been crushed
3 pieces of Citrus Leaves
2 stalks that have been crushed Serai
1 cm that had crushed Ginger
To taste Oil for frying

The Spices that are:
8 cloves Shallots
4 cloves Garlic
4 items Pecan
1 / 2 tsp Coriander
2 cm turmeric, roasted
1 tsp Pepper Powder
1 tablespoon salt
1 tsp Sugar

How to Make Fried Duck Software Presto

1. Ducks are already dibersikan smeared with lime and allowed to stand for 30 minutes to absorb. When finished, wash it clean duck

2. The spice paste until blended dilumurkan to duck, along with galangal, lime leaves, lemongrass and ginger. Let the spices infuse for 35 minutes

3. Enter a duck that has been mixed spice into a saucepan tool presto, and cook until cooked about 30-40 minutes (according to the desired level of tenderness)

4. Fried duck dipresto until lightly browned. If it is cooked, the duck is ready to serve according to taste.

10 Things That Sharpens Memory

Ayu Apriliia 25 Mei jam 12:24 Laporkan
10 Things That Sharpens Memory

ImageBanyak factors that could make so forgetful or weakening of memory. But the common factor is increasing age there is one, The older the age of a man so weak Pila semakain his memory. But in fact there are many ways that can be done for memory loss is not too severe, or in other words, someone Though ingatanya old but still strong.

The following tips are also good to sharpen your memory for all ages.

1. Brain Gymnastics
Such brain muscle that needs to be practiced regularly. How, for challenge or guess-tebakkan for yourself that can sharpen memory. For example, mention the title of old songs, considering the poem as a child, or call the 10 items in the refrigerator.

2. Food
Not only fish oil that can sharpen your memory, but also of red and purple foods like blueberries, fruit bits, and onion. Folic acid rich foods like broccoli, bananas, and legumes are also useful to maintain brain health.

3. White Water
The evidence suggests that whole organ function would work quite well when he received adequate water intake. No exception of brain function. Get used to drink 6-8 glasses of water a day.

4. Enough Sleep
Sleep is needed for the body's cells to rest and regenerate. Including brain cells. Therefore, try to get the cooperation of physical and mental well in order to create healthy and good quality sleep.

5. Relaxed
Pressure or stress makes the brain work to weaken and difficulty concentrating. In such a case, rest sejek while doing relaxing activities like reading books, playing games online.

6. Sports
Physical exercise that stimulates blood circulation improvement, such as jogging, and aerobics. Smooth blood circulation will increase the production of oxygen to the brain which is very useful to sharpen thinking skills.

7. Brain teasers
Habits do crossword puzzles available in newspapers or playing sudoku on a cell phone a positive benefit to improving one's memory.

8. Thinking
Given the one thing that does not turn up in the head must be annoying. When experienced, do not panic. Settle down for a moment, thinking about lighter things like the type of fruit, types of water sports, or the names of friends. These activities have helped someone more quickly remember important things he had forgotten.

9. An excursion to the Past
Looking back on the things of the past are not directly train the long-term memory. When returning home for example, try to bring back childhood memories.

10. Thinking Through Pictures
This method can be practiced when preparing a shopping list. Write down the items to be purchased while imagining myself walking down the supermarket aisles and find the desired product.

Natural Fruit Juices, Prevent Cancer and Heart Attacks

ImageHidup healthier and fitter every day is everyone's dream. In order for our lives is always fresh free from any disease, we can start from our own. One of them is the source of the foods we consume daily. Natural fruit juice is always our advice for a healthy body.

Drinking 100 percent natural fruit juice, can help fight various diseases. The results American Association of Advancement of Science (AAAS), Monday (11 / 3) mentions a natural fruit juice to prevent the risk of cancer, improve cardiovascular health, and enhance antioxidant activity.

According to research experts from the University of California consumes pure fruit juice with whole fruit we eat. The review includes various types of studies, the type of in vitro to clinical trials (with a total of 60 paper), all published in 2005 or thereafter.

Based on some research there are several kinds of fruits that contain the most benefit for the human body, such as apples, grapes, pomegranates, cranberries and oranges.

Cranberry fruit is useful for reducing urinary tract infections. Grapes and apples for repairs when a decline in age-related cognitive lanjut.Risiko affected prostate can be prevented with pomegranates. Sementera citrus fruit to reduce the risk of respiratory and digestive cancers. To be sure, these fruits can also increase high antioxidant activity.