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The Difference Between Chapter 7 Bankruptcy And Chapter 13

byAlma Abell

Once you have is actually considered to be the more desirable form of bankruptcy. It does not take nearly as long, it wipes you almost debt free, and you usually do not end up losing your assets.

[youtube]http://www.youtube.com/watch?v=Yz5YRqjjNrU[/youtube]

What Is Chapter 7?

Chapter 7 Bankruptcy is a process that takes between three and six months to complete. Chapter 7 is going to wipe your entire credit history clean with the exception of any secured debts or things such as unpaid child support, mortgages, tax debts, or student loans.

What Is Chapter 13?

Chapter 13 bankruptcy is for individuals who have a lot of debt and do not qualify for Chapter 7. Usually you do not qualify for Chapter 7 because you make too much money. When the person making the years.

You should keep in mind that filing bankruptcy is not something you should make a habit of doing. While it wipes your record clean it is going to be on your record that you filed bankruptcy. Furthermore, you can only file bankruptcy once every 6 to 8 years. If you have decided that you have too much debt to sort through and pay off on your own, it might be time for you to reach out to a law firm such as Chris Carouthers & Associates, LLC for some help. Click here for more information.

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National Health Service England waiting list at highest on record for second consecutive month

Saturday, July 10, 2021

The number of patients in England waiting for treatment by the National Health Service reached 5.3 million in May, data Thursday indicated, the highest since records began in April 2007 for the second consecutive month.

Those on the health institute’s waiting list increased by over 600 thousand in the past three months. However, the average wait time of just under eleven weeks has been steadily declining since the start of the COVID-19 pandemic, which drove total admissions to hospital down, according to The Guardian.

Total admissions for surgery and normal treatment have increased fourfold to nearly pre-pandemic levels from 54,550 last year to 242,064 in May, according to Sky News. In May 2019, there were 295,881 admissions for routine treatment.

The rise in demand is primarily due to a surge in non-COVID-related admissions: over two million people visited the accident and emergency department (A&E) last month, for example, in the busiest ever June. A blog post published Wednesday by the NHS Confederation warned increasing demand in urgent, non-COVID-related healthcare in both children and adults are “putting severe and unprecedented strain on the urgent care system, with unsustainable numbers of people now visiting A&E, seeing their GPs [general practitioners] and calling ambulances.”

Wait times are trending downward, according to Sky News. Between April and May, the number of people waiting over 52 weeks for treatment fell by 50 thousand, though still thirteen times higher than last year. Patients waiting over eighteen weeks dropped by 83 thousand in the same time, “for the first time this year”, according to NHS medical director Stephen Powis. However, the percent of those who received treatment within eighteen weeks, 67%, remained below the NHS standard of 92%, according to The Guardian.

The average wait time for elective care of 10.8 weeks was down 29% from May last year, according to the NHS Confederation’s chief executive Matthew Taylor. In a blog post on the organisation’s web site he remarked the “treatment backlog of 5.3 million patients” nonetheless “show[s] that while waiting lists are still rising, more people are coming forward for care, which is encouraging, as this is exactly what the NHS is there for.”

Taylor went on to say “our urgent care system [is] running a winter-like service in the middle of summer”, adding “we must go into this next phase with our eyes wide open, and acknowledge much of the care the NHS can provide to patients is likely to be disrupted further, including in the community.”

The Guardian reported other issues, including that nearly 25% of patients in A&E waited over four hours to be seen. Only 75% of cancer patients were seen within two weeks of cancer screening, below a target of 90%, or a GP’s urgent referral, below a target of 85%. An October analysis by Macmillan Cancer Support estimates from the year before, 50 thousand fewer people were diagnosed with cancer, a backlog it warned could grow by four thousand missed diagnoses per month to over 100 thousand this October, and urgent referral activity in England for August was 11% behind 2019 levels.

The NHS has said it budgeted one billion GBP on restoring services and clearing the waiting list, according to The Guardian.

32,551 new COVID-19 cases in the United Kingdom were reported on Thursday and another 35 attributable deaths, according to Sky News, up over four thousand from the week before, and the highest since the week of January 27 . This comes after health minister Sajid Javid said cases of COVID “could go as high as 100,000” ahead of the expected lifting of all remaining lockdown restrictions on July 19, dubbed “Freedom Day”, as reported by Sky News and The Guardian.

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Childhood pneumonia can be cured at home

Saturday, January 5, 2008

A new study by researchers of Boston University’s School of Public Health and colleagues sponsored by the World Health Organization (WHO) shows children with severe pneumonia can be effectively treated at home and do not need to be hospitalized. This finding is hugely significant for developing countries where children cannot be brought to a hospital easily or where no hospitals exist.

Per the study the change of treatment could save many children’s lives and take pressure off health systems. Every year pneumonia kills 2 million children under the age of 5. The researchers found that antibiotics given at home could significantly reduce deaths.

The group examined 2,037 children between 3 to 59 months in seven areas in Pakistan. About half of them were given antibiotics and sent home while the other ones got intravenous antibiotics in the hospital. Both groups were found to show equal progress in healing off the illness.

Current WHO guidelines recommend that pneumonia should be treated in a hospital with injectable antibiotics. With the new study there are indicators that pneumonia can be treated just as effectively at home with oral antibiotics.

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Wikinews interviews Stephen Murphy about the upcoming by-election in the Higgins electorate of the Australian parliament

Tuesday, December 1, 2009

With two by-elections coming up in Australia, many minor parties and independents will be looking to gain a seat in the House of Representatives. Stephen Murphy is one of the independents.

Mr Murphy is a computer programmer from the Melbourne suburb of Brunswick.

“After growing up in South-East Melbourne I studied Science at Monash with first class Honours, worked in Europe for 10 years and have recently returned to Australia. I work in finance as a computer programmer and speak five languages,” Mr Murphy said.

Wikinews reporter Patrick Gillett held an exclusive email interview with Mr Murphy, candidate for the Division of Higgins.

((WN)) Why do you want to get into parliament?

Stephen Murphy: I am standing up for what I believe is the correct course of action on the biggest issue in Australian politics in 100 years – Kevin Rudd’s flawed emissions trading scheme (ETS).

((WN)) What would the three main policies you are taking into this by-election be?

SM: I will oppose the emissions trading scheme, ensure that all government policy is based on accurate scientific evidence and return common sense to Canberra

((WN)) How would you address these policies?

SM: By asking for a Royal Commission into climate change so that the facts (such as that global warming stopped in 2001 and the emissions trading scheme will not change the climate one bit) are openly presented to the Australian people.

((WN)) Sending asylum seekers to Indonesia: good or bad?

SM: Any government policy that does not properly consider all implications (be it emissions trading, or any other issue) is a bad one.

((WN)) Is the Australian dollar’s near parity with the US dollar a sign that the Australian economy is healthy, the US economy in chaos or both?

SM: It’s a sign of both. Many countries around the world look with envy at how well (relatively) Australia is doing, to our credit! It is of concern that the American economy is in such bad shape and that their levels of debt seem unsustainable.

((WN)) How do you rate the governments economic stimulus package?

SM: The economic stimulus package was poorly targeted and poorly carried out. When we could have been building roads, dams, railways and hospitals yet instead we were paying for tattoos, PlayStations and overseas holidays.

((WN)) Should it be wound back?

SM: The question about levels of stimulus spending is a complicated one and requires expertise in economics, however one could say in general terms that all government spending should be well targeted and spent in the most efficient way.

((WN)) Is Kevin Rudd a better Prime Minister than John Howard?’

SM: Australian voters are the best judge of that and we will know in 2019 🙂

((WN)) Is the Carbon Pollution Reduction Scheme an effective solution to climate change? Why?

SM: Absolutely not. The CPRS will not change the climate by any amount that we can measure – it’s just a new tax that will hurt Australians and drive businesses and jobs overseas. Since 2003 there has been mountains of new scientific data which contradicts the popular theory that human carbon dioxide emissions are causing significant global warming. Recently, many of the scientists who wrote the IPCC report (on which the ETS / CPRS is based) have been reported as manipulating scientific data to create scary global warming scenarios. The science is definitely not settled

((WN)) Is there a better solution?

SM: We can very easily refocus the momentum and goodwill that has been generated on climate change and channel this energy into other worthwhile environmental projects in Australia that will make a difference.

((WN)) Why should the electorate vote for you?

SM: I will oppose the ETS and support responsible environmental policies instead of radical environmental policies that could end up costing every Australian taxpayer $4550 per year in new taxes.

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Keeping Your Health In Check With Cat Scan

CAT scan, otherwise known as the Computerized Axial Tomography scan, is among the most common diagnostic procedures in the medical field. It is beneficial in helping health care providers diagnose and detect abnormalities in the human body. This post talks about the basic questions that most people ask about it.

Does it cause pain?

No. The procedure is painless and non-invasive.

When is it often prescribed?

This diagnostic method is prescribed for the following reasons:

  1. To gain cross-sectional views of the human anatomy.
  2. To identify abnormalities in the internal structures.
  3. To aid and assist other procedures like surgery, biopsies, and drains.
  4. To provide baseline data needed for medical diagnosis.
  5. To guide health care providers in the placement of instruments and other things for treatment.

How does it provide doctors with images?

It combines various X-ray images with the aid of the computer to give various cross-sectional views that could not be seen through plain X-ray alone. It may also give three-dimensional images of internal organs and structures.

What does the machine look like?

The machine looks like a large donut-shaped scanner. When a person is inside, the body is scanned at different angles so that various pictures may be produced. Each image taken is referred to as a slice. The slice is recorded on film and is later referred to as a tomogram.

What are the usual parts visualized?

Usually, this diagnostic procedure is done on:

  1. The head for injuries like skull fractures, blood clots, and tumors.
  2. The spine for a viewing of the vertebral column and spinal cord.
  3. Other bones for evaluation of bone density. This is common in osteoporosis clients.
  4. The chest for visualization of cysts, infections, and tumors.
  5. The abdomen to get a clear look at the liver, stomach, pancreas, spleen, gallbladder, aorta, kidneys, uterus, and ovaries.

Is contrast material necessary?

Contrast material or dyes are sometimes used to enhance the scanning. For example, it may be added to the spinal fluid so that a better image of the spine, spinal cord, and the nerves may be seen. The dye is usually administered via the veins.

What are the risks involved?

This is a very low-risk procedure. The most adverse reaction is hypersensitivity to the intravenous contrast material. Clients are often asked if they are allergic to seafood since the dyes are iodine-based. Pregnant women in their first trimester of pregnancy are also not advised to have scans due to the danger of radiation on the fetus.

What preparations are needed?

Food and fluids are restricted several hours before the scanning. Physical exams and history-taking is also done. All metallic objects and certain pieces of clothing should be removed so that the clarity of the diagnostic imaging may be good.

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Of cabbages and things: Dutch researchers study wasp hyperparasitoid

Thursday, November 29, 2012

Dutch researchers have discovered that cabbage volatile odour released in response to white butterfly caterpillar attack can attract multiple parasites making the food chain unbeneficial to the plant. The study, published in journal PLOS Biology Tuesday, highlights the possible side effects of parasitoid use for pest control.

A second parasite, called hyperparasitoid, is attracted by the cabbage odour only after a first parasite infects the caterpillar. The researchers performed both laboratory and field experiments to verify the data.

As described by the study, the food chain starts when a white butterfly caterpillar, Pieris rapae, attacks a cabbage leaf. In response, the cabbage releases volatile odour to attract the caterpillar parasites. The odour attracts parasitical wasps, such as Cotesia glomerata, that infect the caterpillar with their eggs. Such behaviour is called parasitoid, when larvae lead a parasitical lifestyle and the adult individuals don’t. Such reaction favours the plant.

However the odour also attracts a hyperparasitoid wasp, Lysibia nana, which infects the Cotesia glomerata’s larvae and takes over the food chain. Field study confirmed the hyperparasitoid’s behaviour is well tuned to the environment: it does not follow cabbages nearly as much until they are infected by the first parasite, too.

Dr Erik Poelman, the research leader, commented about the specifically well adapted behaviour of the parasitoids, “In controlled laboratory assays as well as under field conditions, hyperparasitoids were offered plant odours coming from two types of plant: ones damaged by healthy caterpillars, and ones damaged by parasitoid-infected caterpillars. We found that they preferentially detected odours of plants damaged by infected caterpillars. We were excited by these results as they indicate that hyperparasitoids rely on a network of interactions among plant, herbivore and parasitoids to locate their host”.

The scientists hypothesised the saliva of infected caterpillars is different and affects the cabbage odour. The study involved collecting air around healthy, infected, and twice infected cabbage plants. Then the researchers checked the hyperparasitoid reaction to the collected odours. The hyperparasitoid attraction to the twice infected cabbage odour was nearly five times more compared to the odour of a cabbage infected only with caterpillars.

The researchers also carried out tests of hyperparasitoid attraction to the healthy and infected caterpillar saliva alone, without the cabbage. There was no such attraction, confirming the cabbage odours are affected by the saliva.

The scientists say, “Our results show that hyperparasitoids may parasitize up to 55% of the parasitoid offspring, therefore potentially playing a major role in parasitoid population dynamics. … Overexpression of herbivore-induced plant volatiles [HIPVs] in crops or field application of synthetic parasitoid attractants may not benefit pest control in conditions where the responses of hyperparasitoids to HIPVs cause major mortality to parasitoids.”

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UK Mobile Data Network Collapses

Wednesday, January 18, 2006

London, UK — The Vodafone GPRS (General Packet Radio Service) Mobile Data Network within the UK was off the air for several hours, but Vodafone staff were unable to supply any details as to how or why this had happened. The incident seems to have originated within Southern England, but spread “nationwide” within a short period.

Customers were therefore unable to access data services for a protracted period, including WAP browsing from mobile phones, email from personal devices like Blackberries and Windows Mobile Messengers, and full access over data cards from laptops.

Some criticism has been levelled at the company for failing to provide an easy source of information on the problem, with the only realistic option being to queue for a response from a call centre, as no information could be found on their public-facing website. This practice, whilst far from unique to Vodafone within the telecommunications industry, contrasts poorly with the common practice for most ISPs (Internet Service Providers), who conventionally provide a “system status” page on their website.

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

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Irish Finance Minister Donohoe criticises OECD’s global minimum corporate tax rate

Friday, April 23, 2021

On Tuesday, Finance Minister of Ireland Paschal Donohoe criticised talks co-ordinated by the Organisation for Economic Co-operation and Development (OECD) for a global minimum corporate tax rate, arguing smaller countries like Ireland “need to be able to use tax policy as a legitimate lever to compensate for the real, material and persistent advantage enjoyed by larger countries”.

Speaking to virtual attendees at a virtual seminar about international tax, Donohoe said any deal must “accommodate Ireland’s 12.5% rate”. This 12.5% rate benefits large corporations including Apple, Google and Facebook which account for one in eight jobs in the country. According to CNBC, corporate tax receipts in Ireland totalled €11.8 billion in 2020, and the Department of Finance has projected, according to The Irish Times that figure increase from €11.6 billion in 2021 to €12.5 billion by 2025.

Donohoe also said Ireland’s low taxes serve as an incentive to attract jobs and investment, saying while he supported an agreement with “appropriate and acceptable tax competition”, it must be lower than the 21% proposed by the United States.

Donohoe said nations should recognise the low tax rates present in Ireland and other small countries, citing “advantages of scale, location, resources, industrial heritage” present in larger ones. Defending his own long-established rate, Donohoe said a 12.5% rate is “within the ambit of healthy tax competition” as a rate which “stimulate[s] investment, growth and innovation, which are core to Ireland’s industrial policy”. According to The Guardian, current proposals would shrink Ireland’s corporate tax base by 20%; and tax receipts to be €2 billon lower than it would otherwise be in 2025, per Irish Department of Finance.

Brian Keegan, the director of public policy at Chartered Accountants Ireland said it was “not tax change, it’s political change”. Head of tax for the OECD Pascal Saint-Amans said “there is a new dynamic that is likely to bring us to a resolution”, and the US’ willingness to address expressed concerns simplifies an admittedly-complex blueprint.

A spokesperson for the Irish Department of Finance told CNBC on Monday “political level discussions on these issues have not yet taken place”.

The Guardian reported many companies in Ireland pay less on revenues as compared to other countries; with Apple paying as little as 0.005% in 2014. A European Commission ruling in 2016 ordered Apple to pay €13 billion it owed back taxes to the Government of Ireland ; it was struck down in July on the grounds “[t]he commission did not succeed in showing to the requisite legal standard that there was an advantage.”

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Improve Your Chances Of Getting Guaranteed Approval On Bad Credit Auto Loans

Improve Your Chances of Getting Guaranteed Approval on Bad Credit Auto Loans

by

Williams Orchard

Even though recession caused job losses and terrible depreciation of credit scores, a car is and will always remain a necessity. No matter what your credit score is, you need a car to go to your job. In America, a car is a requirement for staying employed. Are you worried that your bad credit history won t let you avail a low rate auto loan? Do you think you will face rejection because of your poor credit history?

Well, let s put an end to your misery. This article will give you tips and suggest reliable methods and strategies to get guaranteed approval on bad credit car loans.

Is This Really True?

We have heard and seen these words innumerable times: Bad Credit Car Loans with Guaranteed Instant Approval, Guaranteed Approval on Auto Loans Even with Bad Credit, Bad Credit- No Problem, We offer guaranteed approval, Bad Credit Borrowers can Get Guaranteed Approval, 100% Guaranteed Approval Bad Credit Car Loans, etc. These and many more attractive advertisements raise our hope of getting a bad credit auto loan. But, are bad credit borrowers really offered guaranteed approval on bad credit car loans?

The answer is yes. But, there are some requirements which you need to fulfill. You have a bad credit score and offering you an auto loan is considered risky. When a lender is taking a risk and offering bad credit car loans, it is obvious that he has some criteria. Let s understand how you can get easy approval on bad credit car loans.

[youtube]http://www.youtube.com/watch?v=-oDPkpVYYw0[/youtube]

How to Get Instant and Guaranteed Approval on Bad Credit Car Loans?What s The Exact Number?

The very first thing that you need to do while availing a bad credit car loan is to know your credit score. There are chances that your credit score may not be very bad. You certainly don t want to end up paying more when you have an average credit score.

When you check your score, you have the opportunity of removing all errors. This will improve your credit score. Also, if possible, pay-off as much debt as you can so that you can have a decent debt-to-income ratio.

Car Loan First, Cars Later

When you apply with car financing companies, they send your bad credit car loan application to its network of lenders and dealers. There is a possibility that the lender may require you to get your car from a specific dealer. If it happens, all your efforts of finding that perfect car will go waste. So, first apply with a few lenders and online car financing companies, get bad credit car loan quotes from them and then, decide on the car.

When you decide to buy a car, a used automobile will be a better option than a new car. A used car costs less which means a lower loan amount. That s why; a lender won t have a problem in providing low rate auto loan to you.

Put Money Down

It is essential that you make a down payment. By doing so, lenders will understand that if you are financially capable of paying a huge amount, smaller monthly payments won t be a problem for you. Also, you will lower your loan amount which will increase the lender s willingness to offer guaranteed approval on your bad credit car loan.

A Co-Signer Can Work Wonders

If you have a co-signer, the lender is assured of the safety of his money. If you fail to make payments, the lender can get it from the co-signer. That s why; having a co-signer will increase lender s faith in your car loan application.

The Online Way

Online auto financing companies have tie-ups with large number of lenders and dealers. That s why; they guarantee approval on car loans with bad credit. They forward your application to their network. The network reviews your auto loan application and offers you car loan quotes. But, you must choose a reliable online car financing company for submitting your personal information. You are giving your SSN and other financial details. So, you have to be extra cautious. Check the company s security certificate. Ensure that the website is 100% safe and secure.

While dealing with your bad credit score, you must not lose hope. Remember it s just your credit history and it cannot determine your present. Use these simple strategies and lower the lender s risk. Don t forget them and guaranteed approval bad credit car loans will become a reality for you.

All the best for buying your new car!

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low rate car loans

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Article Source:

ArticleRich.com

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CanadaVOTES: NDP candidate Ryan Dolby running in Elgin—Middlesex—London

Friday, September 26, 2008

On October 14, 2008, Canadians will be heading to the polls for the federal election. New Democratic Party candidate Pastor Ryan Dolby is standing for election in the riding of Elgin—Middlesex—London.

Born in Chatham, he moved to St. Thomas in 1994, and recently to the Village of Shedden. An employee of Lear Corporation, Dolby is a CAW Local 2168 member, who serves as Union Benefits Representative, and Local Trustee and Chair of the Union in Politics Committee. A CAW Council Delegate representative, he was appointed to the CAW National Employment Insurance Committee in 2006. He is involved in community organizations ranging from the St. Thomas Action Centre, United Way, the St. Thomas Women’s Shelter and the St. Thomas Fanshawe College Campus Advisory Committee. Having studied at the University of Windsor, he is currently completing the Labour Studies Certificate Program at McMaster University, aiming towards a Bachelor’s Degree in Labour Studies

Wikinews contacted Ryan, to talk about the issues facing Canadians, and what they and their party would do to address them. Wikinews is in the process of contacting every candidate, in every riding across the country, no matter their political stripe. All interviews are conducted over e-mail, and interviews are published unedited, allowing candidates to impart their full message to our readers, uninterrupted.

In 1996, the riding was created through the amalgamation of the Elgin—Norfolk, Lambton—Middlesex, and London—Middlesex ridings. While it was a Liberal riding for many years, through Jean Chretien’s Parliamentary Secretary Gar Knutson, in 2004, the riding became Conservative, with Joe Preston taking its reigns. Besides Dolby and Preston, the riding’s candidates include Liberal Suzanne van Bommel, Green Will Arlow, CAP Noel Burgon, CHP Carl Hiemstra, and independent Michael van Holst.

For more information, visit the campaign’s official website, listed below.

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