Tag Archives: Personal

Personal Bankruptcy Overview – MNP

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When you’re overwhelmed by crushing debt, a personal bankruptcy will provide a fresh start and could be the Life-Changing Debt Solution you’re looking for. Choosing to file for bankruptcy is a serious decision which may not be for everyone. Our Licensed Trustees will explore all the options available to resolve your debt challenges and walk you through the bankruptcy process to see if it’s the right choice to eliminate your debt once and for all.

Video Transcript:
– At MNP, we believe knowing all of your options about debt is key to helping find the best solution for you. One of those options may be declaring bankruptcy.
– So what is the process in declaring bankruptcy? The first step is to meet with a trusted advisor to go over your personal and financial situation. Here you will review your income, how much you owe and your current assets. People are often afraid they will lose their assets when they claim bankruptcy. Many assets are protected by federal or provincial legislation and cannot be taken. Your advisor will address all of your concerns so you can feel secure in your decision to file for bankruptcy.
– After this review, the next step is to work with the trustee and complete the required forms. The trustee will then file these documents with the government and you will be declared bankrupt. From that point on the trustee will deal directly with your unsecured creditors on your behalf and you will stop making payments to them. Any garnishments against your salary will stop except garnishments for spousal and child support. Most lawsuits against you by your unsecured creditors will also be stopped.
– During the bankruptcy there are some duties that you are required to complete in order to receive a discharge from bankruptcy. You will be required to: attend 2 credit counseling sessions, submit your income information, submit your tax information, and pay your Trustee Fees. Failure to complete any or all of these duties will affect whether you’re eligible for discharge from bankruptcy. A discharge is needed in order for your debts to be eliminated permanently.
– Some debts that cannot be discharged include: court fines and penalties, alimony and child support arrears, student loans less than 7 years old.
– The cost and how long you will be in bankruptcy depends on: your income and family situation, whether you have been bankrupt before.
– The bankruptcy process can be difficult to understand. But with a trusted advisor from MNP, the process becomes a lot easier.

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Image from page 111 of “Old settlers; a historical and chronological record, together with personal experiences and reminiscences of members of the Old settlers of the Grand Traverse region ..” (1918)

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A few nice auto loans images I found:

Image from page 111 of “Old settlers; a historical and chronological record, together with personal experiences and reminiscences of members of the Old settlers of the Grand Traverse region ..” (1918)
auto loans
Image by Internet Archive Book Images
Identifier: oldsettlershisto00wait
Title: Old settlers; a historical and chronological record, together with personal experiences and reminiscences of members of the Old settlers of the Grand Traverse region ..
Year: 1918 (1910s)
Authors: Wait, Stephen Edwin, 1834-1919, comp Anderson, W. S., joint comp
Subjects:
Publisher: Traverse City, Mich. [Ebner brothers]
Contributing Library: The Library of Congress
Digitizing Sponsor: Sloan Foundation

View Book Page: Book Viewer
About This Book: Catalog Entry
View All Images: All Images From Book

Click here to view book online to see this illustration in context in a browseable online version of this book.

Text Appearing Before Image:
ove brands you are doingyourself a favor and helping your city and community Distributing Agenis for the celebrated Bevo The National Beverage. National Grocer Co. PIONEER RESIDENT OF THE GRAND TRAVERSE REGION Notary Public Insurance, Loans J. G. GETTY REAL ESTATE Expert in Fruit and Farm Locations. Twenty-fiveyears a tiller of Grand Traverse soil. TRAVERSE CITY, – – MICHIGAN Potato Implement Co. MANUFACTURERS Hand Potato and Corn Planters, Sprayersand Compressed Air Sprayers. TRAVERSE CITY, – – MICHIGAN Dodge Brothers COMMERCIAL CAR Dodge Brothers lousiness Car comesup to the most that the pubhc haslearned to expect of Dodge Brothers. It is a product of which they areproud, and one it will pay evervbusiness man to investigate. // ivill pay you to visit ii$ and examine this car. The haula8:e cost is unusually low. Business Car, Touring Car or Roadster %^Mh Sedan or Coupe 25 (All prices f. o. b. Detroit^ Fisk Auto Company 114 Park Street Bell Phone 173, Citz. 52 Traverse City, Mich.

Text Appearing After Image:
Traverse City Milling Co. Manufacturersof Ideal Products Once Tried, Always Used Flour and Feed Buyers of Grain, Beans, Hay and Straw. Farmand Feed Seeds a Specialty. Ieed Grinding andFlour Exchange. Where the Farmer can Sell andget the Most. Where the Consumer can Buy theCheapest and get the Best. TRAVERSE CITY, – – MICHIGAN 1 1 ■III? VI A N ■ MY TAILOR TRAVERSE CITY, MICH. VIVIU fall i ■ Hoffmann & Earle Shoe Co. Mayer Honorbilt ShoesFine Shoe Repairing 531 S. Union Street Traverse City, Michigan PROGRESS LAUNDRY QUALITY Speaks for Itself H. R. WALES, Proprietor Citz. Phone ILS 238 Park Street SEND YOUR PHOTO FINISHING TO Hopkins 215 E. Front St. Traverse City, Michigan Films Developed 10c Per Roll Prints 3c and 4c Each Cameras and Photo Supplies of All Kinds SAVE TICKETS for FREE ENLARGING 32 Years in Business Always sold Good Clothes. Wehave a large assortment of every-thing that men and boys wear.Call on us when you want a suit ofclothes. One of the old settlers. A. J

Note About Images
Please note that these images are extracted from scanned page images that may have been digitally enhanced for readability – coloration and appearance of these illustrations may not perfectly resemble the original work.

Steven F. Udvar-Hazy Center: south hangar panorama, including B-29 Superfortress “Enola Gay”, Grumman F6F-3 Hellcat, among others
auto loans
Image by Chris Devers
See more photos of this, and the Wikipedia article.

Details, quoting from Smithsonian National Air and Space Museum: Steven F. Udvar-Hazy | Boeing B-29 Superfortress "Enola Gay":

Boeing’s B-29 Superfortress was the most sophisticated propeller-driven bomber of World War II and the first bomber to house its crew in pressurized compartments. Although designed to fight in the European theater, the B-29 found its niche on the other side of the globe. In the Pacific, B-29s delivered a variety of aerial weapons: conventional bombs, incendiary bombs, mines, and two nuclear weapons.

On August 6, 1945, this Martin-built B-29-45-MO dropped the first atomic weapon used in combat on Hiroshima, Japan. Three days later, Bockscar (on display at the U.S. Air Force Museum near Dayton, Ohio) dropped a second atomic bomb on Nagasaki, Japan. Enola Gay flew as the advance weather reconnaissance aircraft that day. A third B-29, The Great Artiste, flew as an observation aircraft on both missions.

Transferred from the United States Air Force.

Manufacturer:
Boeing Aircraft Co.
Martin Co., Omaha, Nebr.

Date:
1945

Country of Origin:
United States of America

Dimensions:
Overall: 900 x 3020cm, 32580kg, 4300cm (29ft 6 5/16in. x 99ft 1in., 71825.9lb., 141ft 15/16in.)

Materials:
Polished overall aluminum finish

Physical Description:
Four-engine heavy bomber with semi-monoqoque fuselage and high-aspect ratio wings. Polished aluminum finish overall, standard late-World War II Army Air Forces insignia on wings and aft fuselage and serial number on vertical fin; 509th Composite Group markings painted in black; "Enola Gay" in black, block letters on lower left nose.

• • • • •

See more photos of this, and the Wikipedia article.

Details, quoting from Smithsonian National Air and Space Museum: Steven F. Udvar-Hazy | Grumman F6F-3 Hellcat:

The Grumman F6F Hellcat was originally conceived as an advanced version of the U.S. Navy’s then current front-line fighter, the F4F Wildcat (see NASM collection). The Wildcat’s intended replacement, the Vought F4U Corsair (see NASM collection), first flown in 1940, was showing great promise, but development was slowed by problems, including the crash of the prototype.

The National Air and Space Museum’s F6F-3 Hellcat, BuNo. 41834, was built at Grumman’s Bethpage, New York, factory in February 1944 under contract NOA-(S)846. It was delivered to the Navy on February 7, and arrived in San Diego, California, on the 18th. It was assigned to Fighter Squadron 15 (VF-15) on USS Hornet (CV12) bound for Hawaii. On arrival, it was assigned to VF-3 where it sustained damage in a wheels-up landing at NAS Barbers Point, Hawaii. After repair, it was assigned to VF-83 where it was used in a training role until February 21, 1945. After numerous transfers 41834 was converted to an F6F-3K target drone with the installation of sophisticated radio-control equipment. It was painted red with a pink tail that carried the number 14. Its mission was to be used in Operation Crossroads – the atomic bomb tests at Bikini Atoll. It flew on June 24, 1946, with a pilot, on a practice flight and was launched, unmanned, soon after the first bomb test. Instrumentation on board and photographic plates taped to the control stick obtained data on radioactivity. Three more manned flights preceded the final unmanned flight on July 25, 1946, which evaluated the first underwater explosion. Records indicate that exposure of this aircraft to the radioactive cloud was minimal and residual radiation is negligible.

F6F-3K 41834 was transferred to NAS Norfolk and logged its last flight on March 25, 1947, with a total of 430.2 flying hours. It was assigned to the National Air Museum on November 3, 1948, and remained at Norfolk until October 4, 1960, when it was moved by barge to Washington and placed in storage. In 1976 this Hellcat was loaned to the USS Yorktown Museum at Charleston, South Carolina. A superficial restoration was performed at the museum, but because of the harsh environment and its poor condition the Hellcat was returned to NASM on March 16, 1982. In 1983, it was sent to Grumman Aerospace where a team of volunteers completely restored the aircraft. In 1985, it was shipped back to the Paul E. Garber Preservation, Restoration and Storage Facility in Suitland, Maryland, and put in storage. NASM’s F6F-3 Hellcat is scheduled to be displayed in the new Steven F. Udvar-Hazy center at Dulles International Airport in Virginia in 2004.

Transferred from the United States Navy.

Manufacturer:
Grumman Aircraft Engineering Corporation

Date:
1943

Country of Origin:
United States of America

Dimensions:
Overall: 338 x 1021cm, 4092kg, 1304cm (11ft 1 1/16in. x 33ft 5 15/16in., 9021.2lb., 42ft 9 3/8in.)

Physical Description:
Heavy armor plate, reinforced empennage, R-2800-10W engine, spring tabs on the ailerons (increased maneuverability), could carry rockets as well as bombs.

4 Loans Cheaper Than A Personal Loan 2017 – Daily New Video

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4 Loans Cheaper Than A Personal Loan 2017 – Daily New Video

Are you looking for a HDFC Bank Personal Loan? Check your eligibility and Apply for a HDFC Personal Loan online at http://www.bankbazaar.com/hdfc-personal-loan.html

How much time does Phase 7 insolvency last? What will my life resemble throughout personal bankruptcy?

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How long does Chapter 7 bankruptcy last? What will my life look like during bankruptcy?

< iframe width="425"elevation ="355"src ="https://www.youtube.com/embed/HBnehNrXzeI?rel=0"frameborder =" 0 "allowfullscreen > A Phase 7 personal bankruptcy is the most common personal bankruptcy submitted. Phase 7 bankruptcy eliminates most financial obligations such as charge card, clinical costs, judgments, mortgage deficiencies, collection accounts, as well as numerous various other debts. The elimination of financial debt via bankruptcy is called a “discharge,” which implies you are no more bound to pay the financial obligation. Filing Chapter 7 bankruptcy removes all financial obligations except trainee financings, child assistance, overdue tax obligations from the past 3 years, and court-ordered restitution. The biggest benefit of filing Phase 7 insolvency is that it only takes 90 days to end up. It is just one of the quickest debt alleviation alternatives offered.

Chapter 7 personal bankruptcy is referred to as a “liquidation personal bankruptcy” due to the fact that the Phase 7 personal bankruptcy court designates a “trustee” who can sell or “liquidate” your unprotected possessions and also utilize the sale proceeds to pay your creditors.

The great thing regarding Chapter 7 insolvency is that you know which properties are secured and also which are not prior to you file. In the majority of states, you can usually keep your vehicle, residence, clothing, jewelry, household items, as well as 100% of retirement accounts. The building you obtain to keep after filing for personal bankruptcy depends upon your state’s “exceptions”. Each state has an exemption legislation that defines the type and amount of residential or commercial property a borrower can keep away from his creditors. All states permit you to maintain 100% of your pension.

Your civil liberties to obtain certain benefits, such as social security, unemployment compensation, expert’s advantages, public support, and also pension plans are totally excluded despite the amount received. No person can take away those future benefits if you file insolvency. Insolvency secures automobiles as well as homes depending on the amount of equity kept in the property.

What happens if you are above the exception amounts or you have unprotected assets? In Phase 7 bankruptcy, the trustee has the right to market the home and also pay out the earnings to your financial institutions. Some trustees enable the debtors to redeem the products from the trustee. An additional choice is to sell vulnerable properties prior to you apply for Phase 7 insolvency. Many Net posts discourage selling any type of residential property before submitting for Chapter 7 bankruptcy as it could be considereded as maintaining an asset from the hands of a trustee. Nevertheless, anyone can market residential or commercial property prior to applying for Phase 7 personal bankruptcy so long as the asset is offered at reasonable market price.

If you do sell an asset before declaring Phase 7 insolvency, and also thinking it was at fair market price, the following question you need to address is, “just what did you perform with the loan?” This is where individuals obtain right into difficulty. Some people will offer the cars and truck at fair market price and after that provide the money to their dad to pay back a car loan from him. That is a preference payment the trustee can recover. Your papa would have to return the loan to the trustee. Instead, spend the earnings in a pension, pay your taxes, or invest it on personal requirements.

Some people fear Chapter 7 because they worry the trustee will certainly offer their house and also other properties despite the fact that it hardly ever happens. The latest statistic from the U.S. Trustee Program with the Division of Justice, which is the government company that manages bankruptcy instances as well as trustees, is that only 5% of Chapter 7 situations have any kind of possessions that could be marketed. This indicates 95% of individuals who declare Chapter 7 insolvency do not shed anything.

Chapter 7 bankruptcy is an effective method to obtain out of financial debt, and also with all effective tools, there are some limitations. In October 2005, the personal bankruptcy reform laws were changed with a brand-new requirement: a “means examination.” This examination reviews your earnings to identify if you are qualified to have your debts rejected completely under Phase 7 or whether you have to become part of a debt restructuring strategy under Chapter 13.

You could certify to file Phase 7 insolvency if your earnings falls below the mean revenue in your resident state based on your family members size. For instance, in Colorado, if you are a bachelor that makes much less than,000 each year, after that you can declare Chapter 7. If you gain greater than the median income, you may still receive Chapter 7 provided you are not able to reserve at least 25% of your revenue to settle your financial institutions. If you do not certify for Phase 7, it does not mean you can not file bankruptcy as there are 2 various other bankruptcies readily available.

For additional information regarding Chapter 7 insolvency, visit www.HeupelLaw.com or call Heupel Legislation at -LRB-303-RRB- 955-7570. Heupel Legislation lies at 2440 Stout Street, Denver, CO, 80205. To watch this video again, click https://youtu.be/HBnehNrXzeI.
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How To QUICKLY Get Out Of Credit Card Debt – Using Personal Loans

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How To QUICKLY Get Out Of Credit Card Debt - Using Personal Loans

Credit Card Debt is the worst debt to be in. Often it is debt that we have used to buy depreciating stuff, like clothes, shoes and lifestyle habits…leaving us with not much to show for. So if you have reached a point where you have had enough with credit card debt holding you back in life and are thinking about using a personal loan to get back on top of your finances again, well I strongly recommend watching this.

ALSO, PLEASE FEEL FREE TO FORWARD THIS VIDEO OR PASTE THIS VIDEO FOR ANY FAMILY OR FRIENDS TO WATCH WHO ARE DROWNING IN CREDIT CARD DEBT.

xCC

SugarMamma.TV is all about educating, inspiring and empowering everyday people to create financial harmony, freedom and independence in your life. Bite sized videos, with quick and easy to understand tips, that you can apply straight away and see the results. SugarMamma.TV is a powerful movement making money and finance more approachable, energetic and enlightening.
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Personal loans 101

The ins and outs of personal loans explained quickly!

See our full Personal Loans Guide at http://www.ratecity.com.au/personal-loans/guide.

For more handy personal loan tips and to compare great personal loan rates visit http://www.ratecity.com.au/personal-loans/news & http://www.ratecity.com.au/personal-loans

Personal bankruptcy Explained – In Plain English

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< iframe width=" 425" elevation =" 355 "src=" https://www.youtube.com/embed/bTwtDTxKsiI?rel=0" frameborder=" 0" allowfullscreen > Bankruptcy could be a tough pill to ingest, particularly if you have actually historically been a liable consumer. Nevertheless, this regulation was placed into location for your protection, and you have to comprehend that often negative points happen to good people. Personal bankruptcy is not a moral or ethical decision, it is a financial decision and also when asking, “can I submit insolvency?” it needs to be maintained in that point of view.

The credit report card companies uncommitted about you; their only problem is cash, even if you have actually been a customer for several years. Listed below we have actually detailed the standard process of declaring insolvency; in addition to some important details for you to think about if you are taking into consideration personal bankruptcy.

Call Us Toll Free: -LRB-888-RRB- 728-0044.

www.mcfarlinlaw.com.

McFarlin & Geurts.
11500 Olympic Blvd.
Suite 400,. Los Angeles, The golden state 90064.
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< iframe size="425" elevation="355" src="https://www.youtube.com/embed/iwer-pve8cQ?rel=0" frameborder="0" allowfullscreen > There are some misguiding ideas that are flowing around that can affect your financial choice. Discover out right here some insolvency misconceptions that you ought to as well as just what is the fact behind them. For more details go to http://www.newhorizon.org/credit-info/bankruptcy-myths-you-should-not-believe/.

Likewise if you are searching for list of financial obligation negotiation solution click http://www.newhorizon.org/Info/debtconsolidation.htm.

Wonderful Personal Money pictures

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Some cool personal finance images:

Personal Finance
personal finance
Image by 401(K) 2013
An image that would be great on a financial website

I am the designer for 401kcalculator.org. I have put all these images in the public domain and welcome anyone to use them however please credit our site as the source if you do: 401kcalculator.org

spiral tribe
personal finance
Image by new 1lluminati
Why? Lifting the veil: wakey wake key ~
It’s time to awaken from the larval dream. It’s time to emerge from the chrysalis and metamorphose. It’s time to step out of the plastic straitjacket and remove the blindfold tightly tied around body and mind by insecure family, indoctrinating schooling and insincere relationships. It’s time to decide who you really are, what you’re truly here for – and why.

It’s time to ask, “what’s ‘work’, what’s a ‘job’, what’s freedom, and what in hell is everyone doing – and why?” It’s time to stop making non-existent illusory money and garnering disinterested social approval by giving your time and energy to speed the destruction of Planet Earth’s biosphere – time to live a real life in a real living world instead of running a rat race through a pseudo civilisation of loathsome architect-designed concrete toilets in a pointless maze of toxic termite towers.

Yes, yes, you’ve heard it all before and you already know what’s going on. You don’t need to be told. You know what you need to do. You already know how you really could be living, thanks very much. You’ll get around to it in your own sweet time, when you’ve paid off your debts, when your family’s grown up, when you get some free time to pause and change tack, when you retire, when you win the lottery. When you’re good and ready.

Sure, buddy. Sure sis. You’ll get around to doing the right thing when you’re dead – in your next incarnation on a planet you’ve helped to thoroughly degrade and ruin – when you’re reborn in Bangladesh or Mongolia or sub-Saharan Africa, instead of in a better, blessed place where you can actually be free and make a difference, like here and now.

It’s time to find ways to share what remains of our beautiful planet with honour and without guilt. It’s time to decide whether to live a life of truth and beauty or die for a lie you know to be false. You’ve already chosen; your actions and ‘lifestyle’ are your choice, and the time has come to reassess your decisions and remake your destiny.

It’s time to realise why you’ve given yourself such an incredibly rare and privileged life that you actually have the space, mentality and leisure time to sit back and read this little diatribe. Now is the time and you are the person on the spot. You’re the one we need to save the world – now, at this critical juncture betwixt future and past. Living for life or dying for death? Choose. Now.

The system is set up to make you think you’re either on the high road to material success or sliding down a slippery slope to a loser’s failure; yet it’s designed to ensure you fail in the end. ‘Society’ is set up to ensure anything you build or create is taken from you, bit by bit, clod by clod, and stolen from any you choose to bequeath it to. Putrescent obsolescence is built into everything you’re sold and all that you’re told.

In modern all-consuming societies you’re taxed more highly than any ancient feudal serf, and even when you buy something outright you’ve just begun paying for it with the only thing you can ever really own – your time. The time of your life is taxed and stolen by those you vote for on behalf of remote controllers who think they ‘own’ the world. There are plenty of alternatives to their manipulated systems, but they’re all carefully concealed from you.

Most humans base their entire lives – plans, hopes, fears, dreams and strategies – on outdated assumptions programmed into them by brainwashed timeservers. They smother their kids in regimental uniforms and don’t care enough to notice how playtime becomes muted, how minds are restrained and freedom retrained into uniform mindlessness. They follow in the footsteps of torpid dolts and wonder why a regimented life is boringly doleful. Trained to subservience by millennia of feuding feudalists, humankind can only approach absolute truths (and long term survival) by roundabout routes that invariably lead people further astray.

Schooling isn’t education. It’s a system where open minds are successfully closed and everything not forbidden is compulsory. ‘Modern’ schooling ensures that cheats always prosper and that bullies and liars always prevail in the ‘real’ outside world of business and finance. Today’s educational establishments are dopey money factories designed to extort obedient volunteer slaves. No intelligent independent minds are found in them; none can survive there.

Schools, colleges and universities are quagmires of brainwashing, cultural imperialism and mindless training for destructive jobs that will soon cease to exist – training yards designed to serve the momentary needs of industries owned and run by short sighted paranoid sociopaths. They’re the birthplace of hierarchy and corruption. You know it’s true. Any real learning achieved is incidental. Scores and scoring a cushy job where you can lord it over others are everything. Learning and knowledge are secondary, sacrificial goals.

The system is thoroughly rigged by and for the worst elements to make sure that only most egregious people rise to the top of the dung heap and prosper. Only the worst control freaks and insecure jerks with killer ‘instincts’ claw their way to the summit. You know it’s true. There’s no ‘survival of the fittest’ (or even of the most adaptable) involved. Societies aren’t interested in change and evolution, but in security, status and stasis. And sooner or later stasis always means extinction, not survival.

But you can be different. So can your children. Deny the unloving death of blind conformity and confirm a free loving life with every action. Be what you always wanted to be, ’ere it harm none. If you’re well intentioned and wise the multiverse will provide. Choose. Now.

People are bigger than their straightjackets. You have the power to remove any blindfold and widen your vision whenever you choose. You have the ability to concentrate, meditate, cogitate and liberate. Only you can do it. Only you can free yourself, heal yourself, grow and learn. No-one can do it for you and anyone who says they can is a liar you need to avoid. And you have to do these things or die blind, lonely and incomplete before your time.

You’re a psychic immortal who gets precisely what you created. Only when people develop the inner divining and dowsing facilities latently inherent in all conscious beings are they able to discern truth from lies –able to actually tell the truth. You can only be free when you drop all that cultural conditioning and learn to open your inner sight. You can only decide what’s what, what to do and why when you have genuine personal insight.

Welcome to the new Aeon, a time when dangerous old myths can finally be laid to rest and healthier new legends allowed to arise from the ashes of yesterday’s ignorance.

One easy way to learn the truth is to ask two simple questions; ‘Why?’, and ‘Who Profits?’ Keep these liberating queries in mind as you progress onward…

Here’s a handy list of dangerous myths we need to lay to rest (and drive stakes through the hearts of. Repeatedly).

‘What did you do to save the world, daddy/mummy?’

Lie #1: The planet will soak up any mess humans make.

It won’t – not in any timeframe recognisable by you. We’ll all be dead before the planet is repaired and reforested unless WE go out and clean up our messes, stop the destruction of living treasures, replant entire continents of forests and weed and nourish them for generations, starting yesterday. Most brain-deprived, depraved ‘leaders’ seem to think the planet merely needs to be repaved. Don’t fall for their bandaid ‘solutions’. Opt out of death-dealing ‘civilisation’ and help start fresh societies in the green living world beyond the walls.

1b: Trees are a renewable resource. Forests will grow back if we cut them down.

They won’t. They haven’t. When the soil has washed away, the seed stock is gone and rainfall has disappeared (because forests make most of our rain, and store most of our fresh water) you’ve killed all the most interesting, nourishing and beneficial plants and animals and inherit a desert of sand, clay and rocks. It takes centuries for trees to be large enough, with large enough hollows, to support viable animal populations – including humans. Forests without animals are scrubby denuded death zones bereft of nutrients.

Idiots are still cutting down trees for money when there are better, cleaner, cheaper and totally renewable solutions for everything provided by natural forests – for everything except clean water, food and air! Somewhere near you, now, today, a forest is being felled. Help anyone who’s trying to stop them. Now.

Without global forests you’ll have no water fit to drink, no air fit to breathe and no crops to eat. The truth isn’t ‘out there’ – it’s obvious to any who actually look with unblinkered eyes.

Lie #2: Burning toxic fuels with lethal exhausts isn’t dangerous to the ecosystem or to people, and we need to keep doing it to fuel a prosperous civilisation.

It is. We don’t. If you don’t know about better technologies that are already available your head is in the sand with the in dust ‘realists’, looking for another oilfield or coal seam to vampirise. Some advanced nations are already totally fuelled by clean renewable energy. Literally hundreds of patents for new energy technologies are literally suppressed and stolen by ‘intelligence’ and ‘the military’ on behalf of ruthless killer corporations every year. Clean, free energy systems have been available for over a century and repeatedly eliminated, along with their investors (see nexusilluminati.blogspot.com/search/label/free%20energy ). One name should suffice to explain much; Nikola Tesla.

The truth isn’t ‘out there’ – it’s being actively suppressed all around you. Why? The answer is a nested series of onion skins; the Russian dolls of money, control and power wrapped round an inner core of ultimate terrified insecurity.

2b: Human-made global warming is a lie spread by some unnameable group to control our lives and make us poorer.

It isn’t. The fossil fuel power mongers have lied to you so successfully that many or most people have been convinced ecologists have some vested interest in misleading them – instead of the profiteering planet killers who make gazillions from mining and selling you toxic and unnecessary products. CO2 IS a ‘greenhouse gas’, whose levels have dictated global temperatures for billions of years.

Whether we inject enough heat into the biosphere to forestall an impending cyclic ice age or simply create a global desert, every industry that injects carbon dioxide into the biosphere is doing so as a byproduct of pumping far more deadly chemicals into your body all the time, in the interests of meaningless profit. Anyone who tells you otherwise is simply lying or ignorant.

Any time someone tells you that carbon dioxide isn’t a greenhouse gas or that manmade global warming is a lie, challenge them for some data – any real facts – and you won’t get any that aren’t constructs of half-truths, misdirecting distractions and outright lies. Humans ARE heating the planet with toxic emissions regardless of what industry shills and conspiratorial ignoramuses tell you (see nexusilluminati.blogspot.com/search/label/co2 ).

Time for an inconvenient and little-appreciated fact: when climate scientists tell you there will be, say, a five degree Celsius rise in global temperature they’re talking about global averages – including sea temperatures, which will hardly rise at all. A ‘five degree average rise’ means a TEN DEGREE rise – or more – on the land (outside the tropics) – where you and everything that makes it possible for you to survive actually lives. Forget drowning cities and sinking islands – all that will be left is desert and dust if we allow our ‘leaders’ to keep taking bribes from blindly competitive in dust ‘realists’.

There is no truth on the side of profiteering corporations, surprisingly enough – and the only ‘invested interest’ environmentalists have is the wish to survive and thrive. Have you heard of the Precautionary Principle? If you haven’t, google it. The truth isn’t ‘out there’, it’s simple: stop using toxic products fuelled by toxic fuels that make profits for toxic monopolies run by toxic people.

Authorised Docterds
Lie #3: We’re repeatedly informed that ‘education is liberation’. It isn’t. Learning is liberation; education swiftly becomes rote indoctrination. The most dangerous, authoritarian ignoramuses are those who stayed in school the longest. No-one with a doctorate is entirely sane. No-one who demands money in exchange for healing the sick, protecting another’s rights and freedom, repairing the ecosystem or providing education can be trusted; they know nothing of truth and are part of the problem, not the solution. Anyone who profits from another’s misery, toil or terror is actually, functionally, a heartless sociopath.

In ‘advanced’ notions today, more people die from medical errors than from any other cause. Only a few years ago docterds ensured that just about everyone in ‘developed’ notions had organs removed from their bodies ‘just in case’ something went wrong. Every child was expected to have their tonsils and adenoids (lymph glands), appendix and wisdom teeth ‘removed’, just in case their docterd couldn’t afford a flashier car or another mistress. And many an operation led to another, to correct the mistakes made in the first. It was all bullshit and almost everyone fell for it, because, like priests and lawyers, docterds claim a false monopoly on access to life and death and rule only by terror. See hermetic.blog.com/2012/09/16/freeing-god’s-slaves-the-e…

Today fluoridation, toxic vaccines, poisonous drugs and a host of other techniques bestow slow death and perpetual dissolution on the incredibly patient (trusting, ignorant and terrified) patient.
See nexusilluminati.blogspot.com/search/label/fluoridation and nexusilluminati.blogspot.com/search/label/vaccines

Your health and mind are in your hands. Sawbones/surgeons can occasionally be handy in real emergencies but best avoided at all other times. Once in a while you may damage yourself so much you need some repairs, but the only actual healing is done by you, your self, your body. The placebo effect – whereby if you believe something will heal you it will, regardless of whether it has any active ingredients or not – is estimated by reputable sources as being around forty percent – that’s 40%! This means that almost half of all cures are widely accepted as being basically magical –consciousness-driven – in nature. The other sixty percent are as well.

Time for some Truths
Cui Bono? Who Profits? Who is it good for?

Truth #1: Who profits? No-one who doesn’t have another planet or two readily available profits from old style industrial societies. Yet there will always be some deluded power monger willing to kill millions – to wreck an entire planet and civilisation – so that they can have a flashier car or another mansion complex surrounded by bodyguards and electric fences.

There are always those who’ve been so successfully brainwashed they’ll actually believe that Santa Claus, the Tooth Fairy, the Messiah, a Redeemer, a big bearded genocidal racist asshole in the sky, his fallen foes or his mythical toady son are real – and these naïfs make fine prey for patriarchal paedophilic proselytising pederast priests. Who but the most ignorant innocents fall for such superstitious claptrap? Who but an insecure control freak with delusions of grandeur would want to interpose themselves as a middleman between you and your divine psychic heritage?

Anyone who tells you the Divine is only available through some frock wearing po-faced priest, or from some Bronze Age tome cobbled together by merciless barbaric dictators, or through some graven image or guru or savant, is lying. All who ‘worship’ some odd bod god or other fetish are simply trained to doff the forelock, kneel, bow, scrape and be subservient to a dead or deadly psychopathic control freak. Watch out, little girls! Bums to the wall, boys!

Christinanity, Islime and Moronism – to name a few – are nothing more than some of the more recent pernicious death cults focused on lies of pies in the skies at the expense of happy, healthy lives in the only real place – here and now. All other ‘great religions’ are as bad or worse. Religion is a region with a li(e) in it. But they make gigantic tax-free profits! Cui bono?

The truth is always simple. The only beliefs that are true are those that spread life, light, health and diversity – the hallmarks of true survival and wisdom. Everything else is deceptive bullshit.

If you really want to learn how to access the godhead that is the birthright and crown of all beings, all you have to do is listen to the endless programs running through the rat wheel of your mind – and transcend them. Everyone can do it if they try, but the younger and fresher you start deprogramming yourself and tuning into ‘higher’ or ‘deeper’ consciousness the better. See nexusilluminati.blogspot.com/search/label/meditation and nexusilluminati.blogspot.com/search/label/magic if you want to learn how.

Enlightenment will always be available to any true seeker with an open mind and compassionate heart. Guides are always available if you simply search, but accept no substitute for self-gained awareness – and anyone who demands money in exchange for spreading the light of universal awareness is not a person you want anything to do with.

The Lore of the Land

Truth #2: There is no government. There is no law. There are no companies or corporations. Money does not exist. They are fables, illusions, widely accepted truisms – but they aren’t things. They don’t actually exist, except as agreements between people. They have no inherent power. They are clever pernicious illusions.

If you take a closer look you’ll discover that none of your country’s laws has a basis in any fact. In fact, you’ll find that your nation is also merely a notion, a fable agreed to by a sectional segment of some of the people; not all, or even necessarily most, but merely those who profit the most from the fable.

No ‘higher power’ or external ‘divine plan’ or government controls your life. No dog, no master. Thou art god(dess). All human-made laws are simply constructs and contracts, and none are writ in stone. The only real inherent law is the lore or karma and dharma – the ‘golden rule’: Do unto others as you’d be done by. It’s the only law and lore that works, and needs no intercessor or interpreter, no priest, monk, scholar or savant to preserve or transmit through the ages. It’s free for all, forever.

The real Law is no mystery and has no officers. It needs no prophets, liars/lawyers, judges or arbitrators. As above, so below. You are part of a giant hologram, where the whole is greater than the sum of its parts and every part contains the whole. In a holographic universe where everyone shares the same consciousness, anything you do to or for anyone else is something you do to or for your self.

Don’t kid yourself that ‘good deeds for others will reap rewards’. Of course they will. But anything you do for your children, family or strangers you’re actually doing for yourself. Caring about your family more than anyone else is perfectly understandable on a mechanical, biological and genetic level – but it’s also the basis for the worst traits of humankind. Racism, genocide, slavery and most forms of discrimination are outgrowths of such ‘love’, which is actually selfish at its root. Everyone is your family.

In fact, everyone is you, and you are everyone, for thou art god(dess), recreating the manifest world from instant to moment at a level beyond and behind linguistic thought.

Abundance and Scarcity: It’s Falseconomy, Stupid!

Truth #3: Money doesn’t exist. It’s a global pyramid scam whereby only the first ones in get to the top of the pyramid – everyone else loses. We have the ability to provide everyone on the planet with enough food, water and shelter – but we don’t appear to have enough of an entirely imaginary commodity to do it with. Something is very wrong.

The ‘science’ of economics is bullshit, as any true scientist can tell you. Arbitrary rules are continually altered and no ‘economist’ can make accurate predictions based on ‘economics’. It’s just another scam to make you think ‘authorities’ know what they’re doing and can be trusted to look after your best interests. Lol.

Money is simply invented. It’s created at the flick of a keyboard. It’s all made up; simply invented by (in)vested interests with ‘interest’. When the illusion is so arranged as to make it appear the ‘economy’ is circling the drain you go down the tubes – but the banksters, monarchs and in dust realists who own actual, tangible things don’t, as we all ought to recognise. This happens regularly and repeatedly. I won’t go on – see nexusilluminati.blogspot.com/search/label/banksters and never take out a loan. Don’t use banks. There are plenty of alternatives.

Become as self-sufficient and live as sustainably as possible.

People are told they must pay money to inhabit a patch of the planet, and because they’ve been trained to accept a vast raft of lies by feudal societies run by hideous robber barons surrounded by gunmen they simply accept it.

People are told they must go to school and work every day to provide enough food, water, shelter and entertainment for themselves and their families. It’s a lie. That only has to happen because we’ve allowed industrious robber barons and banksters to steal everything and arrange it that way when we have a wide choice of much better possibilities. Now, at the dawn of the Third Millennium, the new industrious revolution has begun and advancing automation, nanotech and new processed like 3d printing mean that the jig is up. Full ‘employment’ is no longer possible or desirable. Now we have to provide shelter, food, water, transport and other necessities to everyone, even the rich, for free – because now, at last, we can!

If you work at any job that isn’t actively healing the planet you’re almost certainly actively destroying it. If you go into debt you’re destroying it. If you flush a toilet into a river or ocean, if you use fossil fuelled transport to and from work or to power your home (and nuclear fuels are fossil fuels, too) you’re destroying it. If you aren’t growing at least some of your own food and medicine you’re destroying it. If you leave your kids in some regimented school (or even a childcare centre) to be mindlessly raised to do and be the same as you were brainwashed into, you’re destroying it – and them.

If you’re trapped on a treadmill with no easy way out but to simply jump off and take your chances – JUMP OFF.

You’ll be so glad you did!

Competitiveness = Death Dealers

Truth #4: The ‘killer instinct’ is no instinct – it’s a result of training. Bullies and psychopaths are made, not born – and they can be unmade if you catch, restrain and retrain them early enough. Without bullying children don’t learn hate, fear and fight. Without bullies children don’t learn to be subservient. Bullies must be separated from other kids until they can be trusted among them. The same is true for adults.

The only reason to have a gun is to murder. They’re made for no other reason. They’re the coward’s long distance death dealing weapon of choice. Only people terrified of their neighbours own guns – and that, of course, terrifies their neighbours. Violence begets violence and weapons beget weapons. They’re feedback loops. Weapon ownership is always an arms race, the stupid doctrine of Mutually Assured Destruction writ small for small minded loony hoons, terrified cowards and immature halfwits who like to menace others. Anyone who wants a gun – like anyone who wants a presidency – is precisely the person you don’t want to trust with one.

Allowing gun ownership in human society is just a form of collective lunacy. No popguns will save you from a modern army – or government swat team. They’ll just get you killed more quickly and assuredly. That’s the real lesson of modern history, for anyone who cares to look; don’t fall for the lies of weapon profiteers. In modern conflicts the survivors are those who successfully avoid the fighting. Save your money and save a life; you can’t have peace with a gun in your hand and it’s almost certain that no-one will aim one at you if you don’t. War or peace; you can’t serve two masters. Choose. Now.

All free societies have a fine time without weaponised populations perpetually living under a Sword of Damocles. The US, for instance, is not a free society but a corporatocracy that’s had its freedoms surgically removed since neoconmen ensured King George II stole the (p)residency. Freedom is free. How could it be otherwise? If you have to do something to defend or promote ‘freedom’, it isn’t freedom and you aren’t free. The contrary view is oxymoronic absurdity.

Flags are just coloured rags used to blindfold sacrificial lambs and enshroud their mangled bodies. Wars are always fought to enrich a few cowardly, spiteful old dorks and their trophy girlfriends hiding in some castle or penthouse. There is no honour involved in killing – it’s simply the worst form of working for The Man.

The only people who profit from wars and weapons are weapon makers, ammunition merchants, oil barons and the politicians they coerce and bribe. No-one who kills for a wage is anything but a (poorly) paid killer. This includes virtually all soldiers – not just mercenaries – and everyone who makes a profit from raising, hunting or killing animals for food.

You may have fallen for the bullshit that humans need to eat corpses to be healthy. The opposite is true. No-one (regardless of blood type or haplogroup) needs meat to survive. It’s a choice, a habit, an appetite – an addiction, nothing more.

Cattle and ‘meat animals’ are condemned to lives of pain and torture. They’re castrated, poisoned, fed garbage, corralled into cages, beaten, shocked and terrified into submission (rather like modern domesticated primates). If you saw what happens to animals before they end up in your mouth you wouldn’t touch the poisons collected at the top of the food chain and pump them through your bloodstream. Most young kids vomit the first time they’re fed eggs or meat. Ever wonder why?

Before you accept the lie that ‘vegetarians kill too – everything kills to survive’, consider that eating the fruits, vegetables and seeds of plants doesn’t kill any plant. The plant lives on, and reproduces. Just on more lie told by profiteers; one more unexamined false assumption.

If you choose to create endless unnecessary suffering by slaughtering innocent, terrified animals you deserve all that’s coming to you. Remember that ‘karma’ thing? Choose. Now.
See nexusilluminati.blogspot.com/search/label/vegetarianism

The Road to Hell is Paved with False Assumptions

When we’re kids we all ask, “Why?” Some kids mean, “Why does it work like that?” Others are asking, “Why on Earth would people do something so stupid?”

Bereft of imagination, in dust ‘realists’ force everyone to inhabit their bland, artless, heartless concrete toilets – blocky headstones designed by award winning wannabes and built by money-mastered so called craftsmen. Chintzy malls and ugly mausoleums masquerading as a civilisation. We can do much, much better.

Everything we’ve built has foundations of clay. All our sciences, beliefs and political systems are based on antiquated false assumptions; on lies, to be absolutely clear. Truth is always in here, within, waiting to be recognised by a freshly awakening mind. It isn’t going anywhere – unlike the outmoded scams perpetuated by a dying breed of conmen and the pernicious women hiding behind their thrones.

You’d think they’d know by now – you can service two mistresses but you can’t serve two masters! Life or Mammoney: Choose! Now!

It’s beyond the scope of this little entreaty to cover all these bases in detail – but they’re all explored in more (and more) depth at this website: become one of the New Illuminati by perusing truths and subscribing via one of the many ways available @ nexusilluminati.blogspot.com/

– Welcome to the New Millennium and have a great New Aeon
R. Ayana

For more by R, Ayana see nexusilluminati.blogspot.com/search/label/r.%20ayana
– See ‘Older Posts’ at the end of each section

From nexusilluminati.blogspot.com.au/2013/06/why-lifting-veil-…

Personal bankruptcy – Chapters 7 and 13 | Finance & Capital Markets | Khan Academy

Published / by webmaster / 13 Comments on Personal bankruptcy – Chapters 7 and 13 | Finance & Capital Markets | Khan Academy

Personal bankruptcy - Chapters 7 and 13 | Finance & Capital Markets | Khan Academy

Chapter 7 and Chapter 13 personal bankruptcy. Created by Sal Khan.

Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/interest-tutorial/present-value/v/present-value-4-and-discounted-cash-flow?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets

Finance and capital markets on Khan Academy: Back in the day (like medieval Europe), you would actually be thrown in jail if you couldn’t pay your debts (debtor’s prison). That seemed like a pretty awful thing to do (not to mention that lenders are much less likely to be paid by someone rotting in prison), so governments created an “out” called bankruptcy (which, as you’ll see, is a pseudo-painful “reset” button on your finances).

About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We’ve also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content.

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I discuss the typical experience for people who are filing bankruptcy. We start with what the initial consultation with the bankruptcy attorney should be like. Then we look at what the relationship between filing bankruptcy and its’ effect on your credit and FICO score. Finally I discuss filing bankruptcy and divorce.

Ramit Sethi – Personal Finance Essentials

Published / by webmaster / 39 Comments on Ramit Sethi – Personal Finance Essentials

Ramit Sethi - individual Finance Basics

Ramit Sethi describes the fundamentals of private finance. http://cr8.lv/1OWLAMfyt

Ny Times best-selling writer Ramit Sethi has taught over a million students how exactly to better control their money.

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Sethi presents a system for managing and contemplating finances so that your creative business can thrive.

Access the complete online business class: http://cr8.lv/1OWLAMfyt
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One Life-Changing Class You Never Took: Alexa von Tobel at TEDxWallStreet

Alexa von Tobel may be the president and CEO of LearnVest.com which she has been building and growing since 2006. LearnVest may be the leading private finance and lifestyle internet site that brings economic literacy to ladies. Since launching LearnVest, Alexa happens to be extensively quoted as your own finance specialist and entrepreneur in top tier business and customer magazines including: nyc circumstances, The Wall Street Journal, nyc Post, companyWeek, Shape, Fast Company, Marie Claire, Forbeslady, InStyle, folks StyleWatch, break New York, The Huffington Post, among numerous others. Alexa happens to be included on Vanity Fair’s 2011 Next Establishment list, featured on Business Insider’s 2010 and 2011 Silicon Alley 100 lists, called “the Coolest younger Entrepreneurs” in Inc. Magazine’s 30 Under 30 feature, titled a “lady to look at” by Forbes and included regarding the publication’s 30 Under 30 record, highlighted on BusinessWeek’s annual directory of “Best Young Tech Entrepreneurs,” among others. LearnVest happens to be called certainly one of “25 Women-Run Startups to Watch” by Fast business, included on Forbes’ selection of the “Top 100 internet sites for Women” when it comes to 2nd 12 months consecutively, showcased on Business Insider’s Digital 100 listing and included on Time Magazine’s yearly set of “50 ideal sites.”

More information at http://www.TEDxWallStreet.com

About TEDx, x = independently organized occasion:

Within the nature of tips worth dispersing, TEDx is an application of local, self-organized occasions that bring folks collectively to share with you a TED-like knowledge. At a TEDx event, TEDTalks video and stay speakers combine to spark deep conversation and connection in a little team. These regional, self-organized occasions tend to be branded TEDx, where x = independently organized TED occasion. The TED meeting provides general guidance the TEDx system, but individual TEDx activities tend to be self-organized.*

(*Subject to particular rules and regulations)
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