Get Out Of Debt

I am travelling around the world on a motorcycle in support of the charity Motorcycle Outreach and sustainable healthcare and started the Fuel and Maintenance Fund to help cover fuel, tyres and general maintenance expenses in the endeavour to make a difference. Hard to believe is it not, once you look at the averages and start calculating?

Estimated Averages over 360 000 kilometres

Number of days 1825

Distance per Day 197 kilometres

Total hours in the saddle at 70 km per h 5140 Hours

Total Fuel in litres 22 500 Litres at average 16 km per l

Tanks of Fuel 682 at 33 l per tank

Motorcycle Service every 10 000 km’s 36 Services

Tyres at average of 18000 km/set 20 Sets (Front and Rear)

Times around the Earth at the Equator 8.98

Average distance to the Moon 382 500 kilometres

(Perigee – when the Moon is closest to Earth, 360 000 kilometres)

The reason for this journey is to create global awareness and raise funds in support of the charity Motorcycle Outreach which delivers Medical Aid by motorcycle to poor people in remote areas of developing countries.

While this is a daunting task on its own sponsors and monetary assistance to realize the goals is to all intents and purposes non existent and with the current worldwide recession there is no company or organization prepared to make any financial or sponsorship commitments to assist in the effort to make a difference. By looking at the estimated averages one can comprehend that the expenditure to accomplish this is quite extensive and by creating the Fuel and Maintenance Fund we hope to realize some support in lightening the financial burden.

All contributions are welcome, however small it does make a difference in the end.

Contributions can be made from the website and secure payment arrangements are in place.

Any person in their right mind does not want to file for bankruptcy protection. Having a root canal is several levels about that in terms of “things I want to do”. One of the big problems is that when someone finally gets around to admitting that their financial situation is so far down the wrong road that it is out of control, it’s almost too late. The decision to file bankruptcy or consider bankruptcy should have been made, with any foresight at all, at least 2-3 years earlier in most cases.

Sometimes the financial burden may have come about very suddenly, like a major medical expense that was not unexpected, or a job layoff with trouble finding a replacement job for an extended period of time.

There is no hard and fast rule about when a person should file bankruptcy. It varies from individual to individual, and every situation has its own specific quirks, so that one can say definitely that “one size does not fit all”. But one of the problems that happens when one starts looking to bankruptcy as a way out of their financial difficulties is that very traditional thinking starts to set in.

Traditional thinking about bankruptcy says that bankruptcy is an “easy way out” of one’s financial difficulties and overloaded burden of debt. You just file, the slate is wiped clean, and then life goes on, right? Dead wrong, especially with the new bankruptcy laws, which still vary widely from state to state. The new bankruptcy laws make it much more difficult to file for bankruptcy than it ever was in past years, and it is no longer just a quick trip to the courthouse with a couple signatures.

Today’s bankruptcy laws make filing bankruptcy a much more invasive procedure, where they look at every nook and cranny of your life and your finances to determine why this happened and what type of bankruptcy you are required to file. Bankruptcy used to be something that you could, with a good deal of study and patience, do yourself without the assistance of a bankruptcy lawyer, but that is no longer the case. The laws are now so complex that attempting bankruptcy without an attorney’s help would be foolish, as well as probably taking almost twice as long to accomplish, since if you incorrectly file one of the mountain of forms, you get sent back to square zero to start from scratch.

But is bankruptcy really necessary? In other words, what alternatives and options have you thoroughly looked into? Oh, you haven’t? Shame on you. Filing for bankruptcy protection is going to have long lasting negative effects on you. For example, it will appear as a huge red flag on your credit report for 7 years or more. Credit will be hard to come by, and when you are granted credit, the interest rate will be much higher than you have ever seen it before, because now you are labeled as a high credit risk.

One of the very viable bankruptcy alternatives is a debt consolidation loan. They don’t actually hand the money to you though. Rather, they take your outstanding and overdue accounts, and you pay one monthly payment to them, which they in turn divide up to send to your creditors. Your creditors are happier than they’ve been in years because now timely payments are being made, and you credit rating does not hit the skids, at least not completely, because you were able to avoid bankruptcy.

Check your alternatives and options before making such a critically important decision as filing for bankruptcy. You always have options, and the key to successful living is to acquire the knack for choosing the right one.

Article by chlose

HTC Desire Z deals and HTC Desire HD deals are the deals with two ideal handsets of HTC Desire series, which are gaining a widespread popularity in the mobile phone market. You can get several sophisticated features also in these devices.

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Scholarships are available for various reasons and if you are a Nigerian student, you can apply for scholarships for Nigerian students if you fulfill other requirements too. If you are a student finding difficulty arranging finance for your college education, you should pay attention to looking for scholarships and grants that can help you get rid of this problem. There are scholarships that are not only easy to qualify and apply, but they also help you complete your education without any financial burden. As a student you have to find them out and apply for those for which you qualify and the ones that are suitable for you.

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