Top News

Sports

News

The introduction of Miroslav Vyboh
E-Commerce Merchants Welcome EBay to “On Location Event” at Hyatt Regency in Dallas

Computers

Want To Enjoy Some Free Streaming? – Visit Mac Free Streaming Application

 Do you love watching movies but are not able to stream or download them because you have Mac? Then there …

Tubidy- Free Software Reviews And Download

Music binds us together and as we can see around most the people are not able to work without music. …

Single Player Commands Mod

The single-player commands mod along with a reliable Minecraft alt generator is very useful for your Minecraft world. It helps …

Weight Loss Programs Are Not Created Equal

Throughout my adult life, my bathroom scales have registered from 135 to 210 pounds. And my closet still contains jeans sized 8 Petite to Women’s 16. Someone like me never knows when they might need a different size. When I’m heavier, I use the smaller sizes for inspiration. And when I’m lighter, I use the larger sizes to remind myself of the world of no return.

I’ve tried many diets over the years and I’m providing my experience with three weight loss programs, Weight Watchers, Jenny Craig and Physicians Weight Loss Centers. All three programs allow new clients to sign up through their web sites. The sites also help clients to find a weight loss center location.

Weight Loss with Weight Watchers

Weight Watchers (www.WeightWatchers.com) is the most experienced of the three programs I’ve tried. Weight Watchers was begun 45 years ago. Right now, Weight Watchers is offering a 7-day free trial. A monthly pass costs $39.95 and gives unlimited access to center meetings and on-line functions.

The basis of the Weight Watchers program is that every food is assigned a points value, based on its calories, fat and fiber. Clients complete a questionnaire to determine a weight loss goal. That is then used to determine a daily and weekly points value budget. It is then up to the individual to plan what they will eat to remain within the points budget.

The Weight Watchers web site has an extensive selection of recipes and meal planning help. The program offers some food items for purchase. You may also take supplements to help you with your diet. But you have to makes sure that the supplement you are taking is safe and reliable. For some information about the best dietary supplements for weight loss, you can check some resurge reviews.

I tried Weight Watchers three different times. The first time, I lost weight consistently for six weeks and then hit a stall. The second and third time, I never really got off the ground in following the meal plans. The on-line option for participation was not available then and I really did not enjoy, but in fact dreaded, the meetings where 35 to 50 women stood in line to weigh, have their books stamped and then proceeded to a pep talk.

However, Weight Watchers is a sound program that teaches its participants how to eat to first lose weight and then maintain a healthy weight. Participants need to be fairly motivated to plan their meals and to make healthier selections when dining out or traveling.

Weight Loss with Jenny Craig

Jenny Craig (www.JennyCraig.com) was founded in 1983. The first step for the Jenny Craig program is a lifestyle assessment to determine lifestyle and the weight loss goal. This is completed in-person at a Jenny Craig center or by phone. One key difference with the Jenny Craig program is that participants meet weekly with a personal consultant, again either in-person or by phone.

In addition, the Jenny Craig program is based on the purchase of branded meals and snacks. These are then supplemented with fruits and vegetables. Menu plans are created for each participant. As a result, participants in Jenny Craig need only follow the prescribed menu plan and purchase the needed meals from the program.

I wanted to lose 40 pounds with Jenny Craig and I did indeed lose all but two of those pounds. The weight stayed off for about six months. A primary reason I began to gain weight back was that I did not elect to purchase into the maintenance program and instead, went back to the way I was eating prior to joining.

Currently, Jenny Craig is offering a 20 pounds for $20 offer. The Jenny Craig cuisine meals would need to be purchased in addition to this.

Weight Loss with Physician’s Weight Loss Centers

Physician’s Weight Loss Centers (www.pwlc.com) have been in business for 30 years. The web site for this program is not as attractive or extensive. There are limited branded foods for purchase. But I did lose more than 40 pounds with Physicians Weight Loss and I kept it off for the better part of two years.

I think the reason I was so successful with Physician’s Weight Loss was two-fold. One, I participated in this program at a time in my life when I has highly motivated to loss the weight. Second, when I was a participant, a key requirement was to remain in ketosis throughout the program. (The money back guarantee was invalidated if a participant dropped out of ketosis.) This meant I was in the Center three times a week, with a urine sample. Sounds archaic, but it indeed worked for me. In addition, I did learn several tasty tricks through Physicians Weight Loss that I continued after I left the program.

A weight loss goal is established for each participant and they are then “assigned” to one of six weight loss programs, with diets ranging from 800 to 1,500 calories.

Physicians Weight Loss also now offers on-line participation. The current cost is $6.00 per week.

The three programs I participated in, Weight Watchers, Jenny Craig and Physicians Weight Loss Centers take different approaches in their guidance to losing weight. Therefore, participants are advised to consider their work, at home and fitness lifestyle when choosing a weight loss program.

7 Tips for Family Camping Fun

The mercury is rising, the sun is staying up for longer and the fireflies are congregating at night. This must be summer. It is time to get outside and experience what Mother Nature has to offer before the temperature drops. This is the best excuse to grab a tent, some hot dogs and some marshmallows and head out for a camping trip.

But hold it right there. Camping is a simple and inexpensive family trip, but there are a few things to consider before you hit the great outdoors. Here are seven tips to get you on your way and allow more time for fun.

Decide whether you would like to go primitive or modern. Primitive camping can be adventurous but not for the faint of heart and typically not good for families with small children. Modern camping can be comfortable, but may not provide the deep connection to nature that some may seek and may not seem that different from home. It is up to you to choose what level of adventure or comfort you desire.    Figure out what you want from your campsite. Make a list of activities you want to participate in on your trip. Are you interested in hiking, riding on a bike trail, fishing, swimming, or floating? Figure out what you and your family want from your camping adventure before you head out the door. Then research campsites that offer the activities you want.    Determine how far you want to go. Most of us live with in a couple of hours of a campsite that will offer fire pits, water and trash cans at the very least. But, it can be fun to travel a bit further and see what the other areas have to offer in outdoor entertainment. Be sure to get a local fishing license if you plan to fish in a different state.    Decide what level of food you want to cook and eat. Are you the adventurous type that wants to experiment with fireside cooking? Or, does the most cooking you are interested in involve a stick and a wiener. Planning your meals involves more then just hitting the grocery store. You have to make sure that you have all of the tools to do the job. Also, it’s best to plan a couple of meals that do not involve fire in case of rain.    Bring extras. Space may be tight, but you will most likely not regret packing that extra pair of shoes should yours be sucked down a river. Extra clothes, shoes, bug spray and towels will not go bad and could just mean the difference between comfort and misery.    Pack a good first aid kit. Many high quality first aid kits can be found at drug stores and department stores. They may contain a lot of items that you do not see as necessary, but it is always better to be safe then sorry. Also, many large first aid kits contain over the counter medicines which negates the need to pack many bottles. Finally, the large kits usually come with a basic first aid guide with step by step instructions should the need for first aid come into play.    Finally, relax. You will probably not remember everything that you need, and you will not need everything that you bring. It is inevitable. Adaptation is key, and you will be surprised what you can make do with.

Camping is an outstanding way to reconnect with nature and can be a cheap, easy family vacation with a little planning. Even the first time camper can be happy if properly prepared for a trip to the great outdoors. In the family sized tents, a person should get a cabin tent for camping. The playing of the games for the children will be convenient and comfortable. The spending of the vacations should be enjoyable for the person. Proper research should be made at online sites to get the best cabin camping tents. 

Diabetes Prevention – Take Action Before It’s Too Late

Risk factors for Type II diabetes include obesity, age, family history, lack of exercise, high blood pressure (hypertension), and increased blood cholesterol and triglycerides. If you are at risk and have not been diagnosed with Type II diabetes, you should take action now before it’s too late. Diabetes is a long and debilitating disease and you should take any and all measures for prevention.

In order to prevent diabetes, you are going to have to make some lifestyle changes. These will not be easy, but they will be easier than dealing with this difficult disease in the long run. The first step towards diabetes prevention is to increase your weekly exercise regimen. The second is to reduce the number of calories in your diet, specifically cutting out fat calories. There is no need for drastic changes; just small steps in these two areas of your life and you are well on your way to diabetes prevention.

Your goal for exercise should be moderate activity for 30 minutes per day for five days per week. If you are not very active, you should start slowly and build your way up. Begin with 10 minutes of exercise daily and work your way to the goal of 30 minutes daily. The type of exercises you perform can include walking, dancing, and light weight lifting with dumbbells. Try to find ways to incorporate these exercises in a manner that you find enjoyable. This will ensure you stay with the exercise program for the long haul. Be sure to warm up before you exercise and stretch when you are finished.

A change in your diet is the other important step in diabetes prevention. You should begin by reducing the number of calories you consume on a daily basis. Begin by concentrating on eating smaller portions of the food you already eat. You should then reduce the amount of fried foods you eat by as much as possible, eating only one or two fried food meals weekly if you can. Limit the amount of high fat sources of protein such as hamburger and steaks. Concentrate more on lean protein sources such as fish and poultry. Also, be sure to add fruits, vegetables, and nuts to your diet, preferably at every meal. Lastly, drink six to eight glasses of water every day.

Aside from having a healthy and less glucose diet, it is also advisable to take some supplements to help regulate your blood sugar level naturally. One of the most trusted brands in the market is sugar balance. You can click this link for some helpful sugar balance reviews.

Studies have shown that losing between five to seven percent of your body weight is enough to prevent, or at least delay, the onset of diabetes. Following the guidelines set forth above, this can be accomplished in a relatively short period of time. There are also other benefits to these lifestyle changes such as more energy, better sleep, fewer mood swings, and you’ll even look better.

As you can see, you don’t have to go to extreme measures to prevent diabetes, but you will have to make some changes in your life. Visit your doctor before starting any exercise program and make some clear goals for yourself. Prevention of diabetes is possible and well worth the effort.

Considering Laser Surgery to Correct Varicose Veins?

Surgical Team Working In Operating Theatre With Protective Clothing OnYour grandmother probably had them, and there was nothing she could do about it. Varicose veins, the bane of pretty evening dresses the world over, however, have finally met their match. Laser cosmetic surgery has reached the point where it is possible to have the young, healthy looking legs you want without the embarrassing varicose veins to take away from the clothes you want to wear, and Laser surgery for varicose veins is considered the preferential treatment, being more likely to give the expected results with less pain and risk to the patient than Ligation or stripping can. In addition, laser surgery to correct varicose veins requires less recovery time.

Ligation and stripping of varicose veins gives one the impression of deveining a shrimp. The skin is cut open, the vein cut, and then tied off and removed. Obviously this is a highly invasive procedure, which requires the longest healing time of the three options available to those suffering from varicose veins. Another treatment option, Sclerotherapy, requires the injection of sclerosant, a chemical into the varicose vein, damaging the vein, and causing scarring of the inside lining. This will cause the vein to close on its own and disappear. Doctors tend to recommend this treatment for particularly small varicose veins. Laser treatment of varicose veins, on the other hand, laser energy to destroy the varicose veins. An Endovenous laser fiber is inserted into the vein and the process of ablation scars and closes the vein. Another treatment option, radiofrequency treatment, uses radiofrequency energy to close up the vein. This is generally recommended for large varicose veins in the leg. While still relatively new, most major cities will have the equipment to perform this ablative surgery.

While simply treating the varicose veins will make your legs look better for now, you need to see your doctor concerning correcting the underlying problem behind your varicose veins. Take into consideration that your treatment may require several combinations of therapy in order to work well. Sclerotherapy, laser, and radiofrequency treatment are not known at this time to cause any adverse health reactions as they are generally minimally invasive, and may be appropriate for all your vein concerns including varicose veins and spider veins. Trying home treatment first is the best way to go, however, including the use of compression stockings, elevating the legs, and increasing the level of daily exercise, and is the first thing any doctor worth their salt is going to suggest. Be wary of any physician who jumps immediately to surgical answers before attempting non-surgical treatment. After all, varicose veins can largely be prevented by simply taking a good long walk every day. Just like what is a non-surgical nose job, laser surgery is a sensitive operation. So make sure you are dealing with a licensed, professional and experienced surgeon. It is not advisable to undergo surgery to a not certified clinic as your health and safety might be at risk.

Medical Marketing- A Success Venture worth Trying for Better Benefits

There are many things to try out in this world and time is very limited so the easy way out is to accumulate as much as possible because it is impossible to have knowledge about each and every topic.

Parents have high expectations that their offspring would one day make it big in the field of medicine, engineering, management or anything that promises a large package with lucrative incentives and, above all, force neighbors to talk in glowing terms that would make their chest swell with pride and the head as high as you can get.

The most prominent is obviously the medical profession that has the entire world eating out of your hand if you are fortunate enough to become a part of it but luckily, times are changing and it no longer is the bastion of fame and glory that it once was and that’s due to ignoble intentions of malicious minds.

Turn About is Fair Play

The most important thing for a human life is to have good health but given the current scenario, that is an understatement because sound health would be a better term due to the world becoming a place of dirt and pollution of the highest order.

The main reason of worry for human beings is that the 3 basic ingredients essential for survival that is food, air and water have become pollutant as well so one can gauge the seriousness of the situation and why even small children fall prey to deadly diseases from a tender age.

To add to the woes, unscrupulous elements have taken advantage of the situation by using the noble field of medicine to con innocent people off money by posing as doctors with faux medical degrees.

Nevertheless, it does feel nice that people have started seeing other professions like entertainment, movies, journalism, sports with more respect when they were ridiculed all the time compared to medicine but now the tables seemed to have turned and how.

Health Care Alternative

Anyways, the medical field is full of positive and negative aspects but we will concentrate on the former for now and there is news doing the rounds that medical marketing is a thriving option for all the potential doctors out there.

Med Spa Social Media Marketing Services is an excellent platform to try out but before that, you need to have a certain set of skills to make it in this field, which are as follows:

  • Communication Skills: You need to be well versed in different languages and none more so than medical language where you have technical terms used for diseases, treatment and even specialists
  • Hard work is the key to success so always adhere to the work ethics without compromising on that front
  • There are long hours of work which can lead to stress and depression so always manage everything by attending coaching classes
  • Finally, you need to have a positive attitude, the most important of all, while treating patients and their illness by keeping them in joyous spirits and lighting the somber mood

A Vacation Home in Sun Valley Idaho

For a vacation destination like Sun Valley, Idaho there is a good amount of vacation condo proprieties at the lower end of the price range. There is predominance of condos, very convenient for a vacation community. They are also easy to rent out for the times you will not be using it.

Sun Valley, Idaho is world famous as a ski resort, but it is also a great place for a summer vacation home with activities like Fly Fishing, Mountain Biking, Bird watching, Golf, Horseback Riding, Hunting, River Rafting and Swimming and there are festivals and events going on all year long, not to mention the great holiday celebrations. Sun Valley, Idaho known how to throw a party. And Sun Valley is only a little over 2 hours from Boise, Idaho. The amenities and ambience of this resort can be compared to Clavon condo in Singapore. It is the beauty of a home with stunning view. It has unique design, serene ambience and low maintenance design. Surely, you will love these both resort and condo.

Keep these in mind when looking for a vacation home in Sun Valley Idaho. The closer to the slopes, the more expensive the property. Also there are a lot of condos and in all price ranges. One of the main reasons for the difference, besides the location is the size. Not all condos with the same number of bedrooms are created equally. In addition to the difference in the square footage, there are differences in the total number of rooms. For instance , a two bedroom can have a total of 4 rooms or 5, a three bedroom 5 rooms or 6. Some of the larger condos have as much room as an average private house.

The private houses in Sun Valley Idaho are all good sized, with the highest priced ones being mini mansions. For those who are lucky enough to be able to telecommute from home, the ones with the home offices would make ideal year round homes. Imagine how great it would be to live and work in one of the most beautiful places on earth 365 days a year.

How to Create and Manage PHP Sessions

A PHP session allows you to keep information about a visitor who browses your website. A system must exist to allow you to keep track of the inputs and parameters associated with the user when he leaves a page and/or opens another. Normally when a visitor leaves your website and closes his internet session, his PHP session is destroyed and all the information associated with him is lost. If you want to permanently store this information, you must store it in a database. The sole purpose of a session is to allow transmission of the information from one webpage to another during the time that a visitor is visiting your website and not to permanently store this information on your server.

  1. Starting a PHP session

A PHP session is started with the PHP command session_start() . This command must be placed before the tag. When a PHP session is started, a unique user ID is attributed to identify the PHP session until it terminates (when the visitor leaves your website or when you destroy it). The session_start() command must be called on each page where you want to transmit the session information. If you redirect the visitor towards another page on which the session_start() is omitted, then the information relative to his current session will not be made available on the redirected page. However, the session still exists and can be resumed on another page by calling session_start() again. However, if the visitor closes his internet session in the browser, the PHP session will be lost.

  1. Accessing PHP session data

When a PHP session is opened, the session information must be stored within the global array variable $_SESSION. For example if $_SESSION[‘username’]=’johnny’ is set from aweb page where the PHP session is active, it will be possible to access/modify the content of this variable on any other webpage of the website, on conditon that the session is active on that page.

The data contains delicate and sensitive information that relates to PHP sessions of important business and therefore has to be kept safe and secure because it becomes dangerous in the wrong hands as the $_SESSION is a relevant preventivo sito internet that has its merits for the experts dealing in PHP.

  1. Destroying a PHP session

To terminate the current PHP session you use the PHP command session_destroy() . Provided this the session is active on the page from where you are trying to destroy it. In so doing, you will unset the $_SESSION variable.

  1. Transmission of the Session ID via URL or via the cookies

The transmission of the User ID (UID) is done either via the URL (much like the GET method for HTML forms) or via cookies (more like the POST method for HTML forms). The cookies method will be adopted by default, but if the visitor’s cookies are disabled then the session ID will automatically be passed via URL.

  1. PHP sessions Security issues

PHP sessions are easily intercepted. For example, if the UID is transmitted via URL, it can simply be extracted from the URL especially if your user is sent to another website through a link containing his UID. That website will be capable to intercept the UID and thus access the user’s PHP session information. Likewise, if someone else manages to intercept the visitor’s session cookie, he will be able to take his identity and access his PHP session.

Three Actually-Useful Pokemon Go Tips, From Five Level 25 Players

With over 100+ million downloads all over the globe, Pokémon Go is one of the most popular mobile games of all times. It has set new records and milestones since the day the game has been launched. If you have already downloaded the game, you know how addictive it can be at times.

Catching all the different kinds of pokémons, fighting gym battles, leveling up your characters, all of that is real fun and exciting to do! But, there are some amazing ways in which you can get better at it than others. We interviewed some of the top Pokémon Go players and found out 3 very helpful tips.

Want to check them out? Then keep reading our blog. Or you can simply get yourself high-XP Pokemon go accounts for sale for quite a bit of money.

Save All The Dust And Candy –

the very first and most common tip that we came across is this – to save all the dust and candy. Stardust becomes really hard to find as you level up in the game. That is the reason why you have to accumulate as much as you can over time. Do not spend your stardust powering up lower level Pokémons. Instead, you must save them and use it to upgrade your higher CP Pokemon. This will provide you with better Pokémons with higher combat power and fight abilities.

Plan Ahead Systematically –

you need to plan your progress in the game in a systematic way. Choose your buddy wisely, usually it should be the highest level of Pokémon that you have in your inventory. Decide which are the best characters that you will use the most in your day-to-day gameplay. Do not upgrade and spend items upgrading all the Pokemons you collect. Instead wait and try to catch the same Pokémon you like of a higher level and then use the stardust, as we already mentioned. Selecting a handful of pokémons that you like will help you focus on the upgrades better.

Learn To Curve Your Balls –

as simple as it looks, learning to curve your ball the right way will help you drastically in the future. At the beginning, you will not have any difficulty catching the lower level Pokémons. A single swing will be good enough. But, as your XP rises, the Pokemons you come across turn out to be more stronger and difficult to catch. This is the time you will have to use the Great Balls and Ultra Balls. These are rare and valuable items, so you cannot afford to misuse them. Hence, you must learn to throw your balls the right way and catch Pokémons without fail.

These are the 3 most important and essential tips that top Pokémon Go players came forward with. We are sure they will be really useful for you. Let us know how many Pokémons you caught in the last few days!

A Guide to Good Health: Using the Secret for Weight Loss

Have you ever lost weight only to regain it months later? Does good health seem elusive because you can’t stick to a healthy eating plan? The Secret, a movie and book by Rhonda Byrne, claims that this is because a focus on weight loss actually attracts weight to your body. With extra weight comes health problems and an increased focus and awareness of these problems. This increased focus does nothing more than pushing that elusive good health even further away.

The basic premise of The Secret is that we live in a universe that operates within the laws of attraction. What that means is that everything we have in our life, we have attracted. This includes our extra weight and our health problems. From this, it becomes evident that if we want to lose weight and maintain good health, we should change our thinking and diet. This is where idealica cena is quite effective and you can add this amazing weight loss pill in your diet plan. 

There are many things we say to ourselves every day that attract more weight and poor health to our bodies. In order to overcome our issues, we need to rewrite our internal dialogues. Here are some common sayings and alternatives that you can use to change your dialogue.

I am on a low carbohydrate diet.

Many people follow specific diet plans, such as the low carbohydrate Atkins diet or South Beach diet, low sugar diets, or low-fat diets. If you find a diet or healthy eating plan that works for you, then stick with it. But, often the dialogue that goes hand in hand with these diets is self-defeating. Some people announce to the world that they are avoiding carbs, sugar, or fat. They tell themselves that they are addicted to these things and have trouble resisting them. These are their problem foods.

What they actually are doing is focusing on these foods and attracting more of these types of foods to their body. They may use will power for a few weeks and successfully follow the eating plan, but sooner or later, the cravings for these irresistible foods will take over. How many times have you dieted in this manner, only to go off the diet and end up overdoing it on the forbidden food?

Instead of running this same old dialogue in your mind each time you diet, change it. Tell yourself that you prefer healthy foods. If someone asks you why you aren’t eating dessert, don’t tell them you are avoiding sugar right now. Announce that you prefer a piece of fruit for dessert. If a bag of potato chips is staring you in the face, don’t tell yourself you are depriving yourself or try to convince yourself to have just one. Instead, tell yourself that you prefer fresh vegetables for a snack.

I want to lose 20 pounds.

By focusing on the weight you want to lose, you are in fact, attracting this weight to your body. This is why so many dieters are initially successful, only to regain the weight months later. Once you have lost that 20 pounds, you congratulate yourself for losing it. People compliment you and you proudly announce that you lost weight. All of this attracts the weight back to you.

Instead of focusing on weight loss, focus on what you want. You want to be healthy. You want to have more energy. You want to enjoy healthy foods. When people compliment you and ask if you’ve lost weight, tell them you are focusing on good health.

I hate exercise.

Announcing to yourself that you hate exercise and have to force yourself to do it isn’t going to get you very far. For a few weeks, it may get you off the couch, but after that, those workouts will become fewer and further apart until you are right back to where you started. We all want to follow a fitness plan because we know it’s the healthy thing to do, but attracting a dislike for it will make it impossible to follow.

Instead, focus on what you love about exercise. Tell yourself that when you exercise, you feel great. Exercise gives you energy. Announce to your family that you love to exercise. You love to walk in the fresh air. Soon, you will be making exercise a priority without even trying because you will be attracting it to your life.

I have no energy and my knee hurts.

If you have a legitimate health issue, see your doctor. But, many of us, day in and day out, focus on the little aches and pains and lack of energy that we have from our unhealthy lifestyle. These minor symptoms can get in the way of our healthy eating and fitness plans. We feel tired, so we grab something sugary or caffeine-filled to give us an energy boost. We feel overwhelmed, so we numb our stress with food and TV time instead of our nightly walk. Our arthritis is acting up, so we decide to skip our workout.

Instead of focusing on feeling awful, focus on feeling good. Tell yourself that you feel great, even when you don’t. Continue to practice your healthy habits and remind yourself that healthy food and exercise make you feel good.

Using The Secret to think your way to good health and weight loss isn’t about being in denial about your problems. It’s about changing your focus to the things you really want. Do you want that extra 20 pounds and to feel tired all the time? Or, do you want to have the thin, healthy, energetic body you’ve always dreamed about? Make it a reality. Live like you already have that body. Now is the time.

When to File for Personal Bankruptcy

Depending on your financial situation personal bankruptcy might not be the best option. Filing for personal bankruptcy should only be used as an absolute last resort. Next we’ll look at some other options to filing for personal bankruptcy that can also help save your financial future.

Let’s start with the basics: remember – don’t panic. When you’ve lost control of your finances and your bills look like an insurmountable obstacle it’s natural to panic and assume that bankruptcy is the easiest way to solve the problem. If however bankruptcy is not the best option for your situation this would affect your financial future for many years. So again, remember the first rule, don’t panic. Most people have other options besides bankruptcy if they take a moment to relax, clear their mind, and dig in.

The steps we’re about to walk through assume you have a steady income and a large amount of debt but you’re not facing a foreclosure on your home. If you’re facing foreclosure the steps you need to take are somewhat different and we’ll cover those in a future how to article.

The first step is always to establish a budget. We’ve heard this as a starting point for nearly all financial advice ever mentioned in the history of mankind, but it still remains true. This is even more important for you at this time as you probably have lost track of where any of your money is going.

It is very very very important to remember your own expenses always come before unsecured debts such as credit cards. So we will ensure that your mortgage or rent is number one, next that your utilities are taken care of, your car insurance and car payment are made so you have transportation to work, and of course make sure you have groceries in the cupboard. We’ll need to trim all of the non-essential items from your spending habits. This means you’ll be letting go of your fancy satellite TV service or cable, new clothing will have to wait and anything else you don’t need to stay alive in the immediate future will be put off till later. The next step is to place 10% of your income in your piggy bank, actually a savings account would be better, for any unforeseen emergencies. Don’t skip this step! It is important for you to pay yourself for all of your hard work.

At this point you will have a specific amount of money left over to work with at the end of the month to start chipping away at the credit card debt.

The next thing to remember is that the credit card company is not your enemy. If you call them and explain your situation you will be able to obtain their help in working out a payment plan. Creditors and bill collectors can be very stressful to deal with so remember you do not have to pick up your telephone every time it rings. Now what we’re not going to do is hide. But you can take back control of your time and energy. So what we will do is have the answering machine pick up our calls and when you hear a creditor on the line take a few moments to take a deep breath and then present to the bill collector or credit card company a payment plan. Collection agencies are sometimes quite aggressive about trying to get their money. Some bill collectors are notorious for harassment and other illegal activities to intimidate you into giving them all of your money. It’s important to remember that you have rights and that they are the ones breaking the law, not you.

If after sitting down to review your situation and the steps explained above you feel things are more serious than what we have covered so far it may be the right time for a free bankruptcy evaluation. And don’t worry, these free bankruptcy evaluation’s are a great idea no matter what your financial situation is. Sitting down with a professional to do a bankruptcy evaluation will help you determine in detail all of your available options and determine the best possible solution. After reviewing your information with someone with experience they may advise you that in fact a personal bankruptcy is the best choice. But you may surprise yourself with the options that you didn’t realize were available.

Some important things to remember about an informal bankruptcy; which is when the debtor basically stops making all payments on any outstanding debt. The assumption people make is that the black marks against their credit will disappear after the statute of limitations runs out, or in other words seven years, while the bankruptcy will stick around for as long as 10 years.

Additionally, it is important tp hire your bankruptcy lawyer like bankruptcy attorney san diego ca. You need someone who has the knowledge and expertise in dealing with the legal side of the process. Such professional will serve as your guide in dealing with bankruptcy.

There is a major problem with this type of informal bankruptcy which is you have no legal protection from your debt collectors. Your debt has not gone away it’s just not being collected. Your creditors could take you to court to file a judgment against you resulting in a lien against your house, property and other assets and even garnish your income.

Even if the state you live in has some minimal protection for your property and assets these protections go away at the time of your death and your loved ones are next in line to deal with the debt left behind.

Filing a formal personal bankruptcy of either chapter 7 or chapter 13 in a bankruptcy court legally clears you of your debt. The bill collectors and creditors no longer have any legal claim to your property, assets or your income. Although this method costs more up front you will be spared countless hours of anguish and stress and in the long run you’ll save significantly more for not having lost all of your assets and property.