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Bankruptcy Filing: When to Choose Chapter 13 Over Chapter 7

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A calculator on top of a cheque book and pen While many debtors file for Chapter 7 bankruptcy, there are some cases when Chapter 13 becomes a better alternative. The same is also true if you are not eligible to file for Chapter 7. It is normal to assume that Chapter 7 is always better as this can eliminate most of your debts, while the other chapter requires you to repay some portion. Note, however, that is not always the case.

Even if you qualify for Chapter 7, choosing Chapter 13 can benefit you in certain situations:

You Want to Pay to Keep Your House or Car Loan.

If you’ve fallen behind on loan payments but still want to pay them off, Chapter 13 is a good choice. Utah Bankruptcy Pros and Chapter 13 bankruptcy lawyers in Sandy note that making up car loan and mortgage arrears is only possible in this chapter.

You Have Debts That Cannot Be Eliminated in Chapter 7.

These include all types of student loans and certain tax obligations. You can include these debts in the Chapter 13 repayment plan and continue to pay them off.

You Want to Keep the Non-Exempt Property.

In Chapter 7, you can only keep exempt properties or those protected under the law. You will have to surrender nonexempt properties to the trustee, who will sell it to pay your creditors. In Chapter 13, however, you can keep them by repaying your debts using your income.

You Want to Protect a Co-Debtor.

When you file for Chapter 7, creditors will still hunt your co-debtor for payments. If you, however, choose Chapter 13, your co-debtor will be safe, but be sure to keep up with your repayment plan.

You Really Want to Pay Your Debts.

If you’re sincere with this intention, you can get the protection of bankruptcy to stop the creditors from harassing you. Chapter 13 is a good option, as it provides a formal structure with deadlines in helping you keep up with your intentions.

To learn more about bankruptcy chapters, it is best to talk to a professional. A reliable bankruptcy attorney will help determine which Chapter will work best for you.

Metal Finishes: Assess the Capabilities of a Fabrication Shop

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Metal FabricationWhen commissioning a job order from a metal fabrication shop in Indianapolis, you have to choose the right shop for the job. Many factors go into such a decision, one of which is the finishing capabilities of the shop. Metal finishing serves not only to aesthetically enhance your ordered products or components but also to protect them from corrosion and prepare them for paint coatings.

Finishing Capabilities

Now, for your ordered components to receive the correct finish that you want, you can assess the finishing capabilities of your metal fabrication shop choices. You can ask about what machinery they use for metal finishing. You can also ask what method of finishing they use to achieve desired finishes.

Different Finishes

Of course, you have to know about metal finishing itself to assess fabrication shops thoroughly. Metal finishes can be categorized either by their finishing method or by surface roughness. Regarding surface roughness, you can have a sanitary finish, fine finish, or a mirror finish. Finishes by method include sand blasting finish, powder coating finish, and metal grinding finish, among others.

By Surface Roughness

The food industry uses sanitary finishes since such a finish prevents bacteria growth on the metal. Most industries, which may include you, uses fine finishes that combat corrosion as well as enhancing the durability and structural integrity of the metal components. Finally, the mirror finish not only serves the same purpose as a fine finish; it also enhances aesthetic look.

By Method

On the other hand, sandblasting, or abrasive blasting, in general, uses abrasive media such as sand, steel shots, and others to pelt surfaces at high speed, smoothing out the surface. Power coating, in contrasts, uses melted plastic powder to create a textured, matte, or glossy finish.

When you already know what type of metal finish you want for your order, you can better assess and decide which fabrication shop you will choose. You will end up with the right fabrication shop for your job order in this way.

4 Signs Your Air Conditioner Needs Checking

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Man Repairing Air ConditionerIn the sweltering summers of Gloucester, New Jersey, it’s important to make sure your air conditioning system is in tiptop shape. Otherwise, you may have to call up air conditioning repair services in the middle of summer and endure the scorching heat.

With summer still a few months away, it’s best to take action on any air-conditioning repairs you might need. If you’re not sure how to check whether you need to contact a repair service provider or not, Ambient Comfort LLC cites some signs.

1. It’s not cool at all

If your air conditioner can’t cool the air like it used to or if it just does not cool the air at all, it’s the biggest sign it needs repairs or even a replacement. One reason might be a faulty compressor, although another common cause is low Freon levels. In the latter case, you may actually have to replace the unit.

2. Air flow is poor or non-existent

Are some parts of your room cooler than the rest? This may be another sign of a faulty compressor. Or it may be caused by dirty vents. If it’s the second case, you need to clean your vents immediately. Not only do dirty vents disrupt airflow, they can also cause serious health problems to you and your family.

3. You hear strange sounds coming from the unit

A squealing sound coming from the air-conditioner isn’t a sign of vermin infestation. It usually means the belt has slipped out or some parts need lubrication. If you hear a grinding or grating sound, the unit’s motor bearings may have worn down and need replacement.

4. There are moisture leaks where there shouldn’t be

Is your air-conditioner creating pools of water inside the house? This means the condensation tube is blocked and needs to be repaired right away. In extreme cases, the leak is not actually water but refrigerant. If you’re not sure what the leak is, call an HVAC expert right away.

If you encounter any of the signs, it is crucial to get in touch with an air conditioning repair service provider to have your unit checked immediately. You can enjoy the summer when your room or the entire house is comfortable enough.

3 Home Improvements That are Worth Every Penny

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Couple thinking of home improvementEvery year, you think of making small and big improvements to your home. If you want to make some big but long-term upgrades to your home, consider these three suggestions. They may not be all DIY but they can improve your home and quality of life in more ways than one.

Get your own water well

Hire well drillers and get your own water supply on your property. One of the top benefits of having your own water well is that you control the quality of water your family is drinking and using. It is likewise a great way to safeguard your family from potential water issues.

Having your own water supply also means you do not have to worry about rising water consumption costs and other city or municipal fees involved in commercially available water. To maximise your water well, install purification or distillation equipment so you can get your drinking water from your own supply as well.

Get a solid steel door

One of the fastest ways to improve your home's curb appeal is to paint your door a different colour. But if you want to improve safety and aesthetics at the same time, consider replacing your old door with a solid steel one. A steel door is resistant to weather damage, water damage, dents and other nuances that often break wooden doors. Moreover, a solid steel door could keep burglars from trying to get in your home.

Create smart storage spaces

If you want to maximise the space you already have, build smart storage spaces for the items that you need to hide until you need to use them. Whilst many homeowners dedicate a room for their supplies, it is more advisable to store items in the rooms where you will need them. For instance, smart vertical storage spaces in the bathroom can keep the items clean, organised and within reach.

The same thing can be done for the bed linens. Create hidden storage solutions under your bed instead of storing them in your clothing cabinet.

These upgrades can be considered smart investments because they improve your home for the long haul. If you have a bigger budget this year for home improvement, consider these three solutions.

On the Prowl for the Best Salon? Read This

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Hair Salon Your beauty needs are as important as every facet of your well-being. In fact, if you look and feel beautiful, you feel happy, and that makes you mentally and emotionally healthy. And finding the right salon, one that makes you feel comfortable and relaxed, becomes a challenge.

You are in luck. What follows is a guide on how to spot the best salon for you, from the artisan hairdressers and cutters in Tauranga to the skilled skin care specialists on the other side of town.

Experience is still king

Go for salons with a proven track record, one that is still standing after so many years. They are still in business for a reason, and you have to find out yourself. Of course, this does not disqualify salon start-ups; they may be the next big thing. But until they prove themselves in the market, go for experience.

Choose one with an array of services

Before visiting your beauty parlour, it is necessary to enquire about the services it offers. You may want a one-stop-shop for all your beauty needs in one place. You do not want to get your nails done in a salon, get your facial in another, and yet get your hair trimming in a different place.

Inexpensive is the new black

Inexpensive (not cheap) salon services are in style. Of course, splurge-worthy beauty shops are fun too, every once in a while. But if you are going to nest your hair, nails, and skin care, you better finds an inexpensive parlour to suit your needs on a regular basis. This helps you in managing your budget.

Technology is important

Your salon should have the latest beauty care technology and products. It should be well aware of the advancement in cosmetics and should be in trend with the latest hairstyles. Unless retro is in style, your hairdresser should not give you that Kate Winslet look in Titanic.

A well-trained salon staff

Did you know hairdressers and barbers either learned on the job or trained in some school for their expertise? You should find out if your salon employs only the best in their field.

Now, you are all set. Bear these things and mind and you will find the best salon for your needs.

Blasting Safely: Tips for Abrasive Blasters

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Safety Equipment

Working in the construction field requires different types of expertise in order to achieve the desired finish. One of the most common and important operations in most construction and repair business is abrasive blasting.

Service specialist euroblast.co.nz described abrasive blast as ideal for cleaning chassis, machinery parts, and car parts, but you can use it for other purposes, such as removing paint, debris and other foreign materials on surfaces.

Regardless of your purpose for using abrasive blasting, you should employ safety precautions to prevent health and safety hazards to your workers. Here are some suggestions.

Substitution and containment

Due to undeniable risks of abrasive blasting, there are different types of materials used to get the job done. Learning to substitute the right kind of material can help reduce the risk without compromising the quality of the job.

Containing the work area on a single location would not only make it easier to manage but also reduce potential risk to the public or other people.


The lungs and the eyes are two of the most vulnerable parts of the body when one is using abrasive blasting machines. Make sure there is proper ventilation.

Use ventilation systems to capture dust and prevent workers from inhaling everything.

Personal protective gear

Protective gears such as masks, goggles, and gloves are necessary for anyone within the proximity of the working area (whether working or not).

Risk management

Like any other construction operation, a well-drafted risk management plan should always be present and known to all workers involved in the field. This would not only keep employees safe but the project and the public as well.

Do not compromise anyone’s safety. Always be prepared and take the necessary precautions to ensure a proper and safer working environment.

Give your Small Manufacturing Firm that Much-Needed Edge

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Plasma Cutting MachineSmall-scale manufacturers often face difficulties trying to get a leg-up on the market, especially when they are up against big businesses. While such a situation may seem unfavourable, it should not put a damper on your efforts.

Teething problems are common to all business sectors. Rather than take on the large competitors, you should find creative ways to draw clients to your brand.

Get the right tools

In the manufacturing sector, you are only as good as the tools you operate. You should make sure to equip your shop with the best variety. Innovative technology such as CNC plasma cutting table tool increases precision and accuracy.

As such, you get to improve the turnaround time, make the work easier and boast an impressive range of products. Similarly, you need a skilled workforce to handle the superior technology and ensure a flawless production process.

Study the market and identify the gaps

Large manufacturers tend to favour customers with large volume orders and often tend to neglect the smaller clients; there lies and opportunity that you can use to grow your brand name and sales. By filling small orders and having impressive turnaround times, you can build your client base.

Therefore, you need to study the market to understand the gaps that exist. From there you set about providing an exceptional solution to the clients.

Have an area of specialisation

Proper market research can help you to unearth the undeserved areas, and you can swoop in to save the day. Just be sure to quantify the demand for that particular range of products. Similarly, you should ensure that you have necessary skills and expertise to meet the specific need.

While it might seem restrictive, specialising helps you to provide quality solutions, helping you to stand out in a crowded market.

Small-scale manufacturers often face stiff competition from the larger well-established firms. These pointers can help you gain a leg-up in such a market and grow your business.

How to Enjoy Your First Fishing Experience

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Man Fishing from the Boat

Man Fishing from the BoatIf you are looking for an excellent way to unwind, catch up with you friends and family, you can never go wrong with taking up fishing. Studies show that angling bears considerable advantages in your life. Other than strengthening your social ties, it is a perfect way to soak up some sun and fresh air. Spending some time in the calm and serene environment has a calming effect. You get to lower your stress levels, recharge your energies, and most importantly, catch your food. However, before you can enjoy all these advantages, D&R Sports Center gives you a list of a few ground rules.

There’s an art to fishing

It takes a considerable amount of skills and knowledge to catch a fish. That would explain the amount of effort and research that goes into creating exceptional fishing gear you pick up in Michigan. As with any wild species, fish have strong survival instincts that you have to overcome before you can land them in your boat. Hence, it might take a few tries before you succeed. Other than getting the best lures, you need to get the best bait. Using the wrong bait can frustrate you. Then there is working the baits. Casting a line is a delicate art, and occasionally the lines will tangle. Don’t let that hinder your efforts, just keep working on your technique.

Have fun

Don’t forget to pause and enjoy the experience. Take in the beauty of your surroundings and the freedom that comes with the great outdoors. At first, work on improving your technique rather than focusing on the results. With a little effort, you can land your first catch. You will probably have a difficult time, but with constant practice, you can do it with relative ease. Relax and enjoy the good weather and practice your casting skills and soon enough you will be fishing like a pro.

While fishing bears considerable advantages, it takes some effort to enjoy it. Luckily, these pointers can help you ease you into the art of fishing.

Keeping it Dapper in Your 50s – Advanced Style for Men

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Men's Style There is no law in the land that says: “Let age dictate your style.” When you are in your fifties, you don’t have to settle with the first shirt you grab from your dresser. Instead, it could be time for you to find joy in looking your best. For advanced fashion, it’s not always about trying to look young. It’s about looking your best and showing everyone you can still rock a pair of well-pressed pants.

Here are tips on how you can look your best at your fifties and how to enjoy doing just that.

  1. Plan a wardrobe

Been thinking of doing something that you will enjoy? Why not plan your wardrobe on Sundays? This is not about going around the town and spending your quid on designer shops. This may be just carefully going through your closet, pairing tops and bottoms and planning out what you would wear for the work. Shine your shoes while you’re at it!

  1. Be inspired

Many celebrities make a living out of their looks. Let them inspire you. Buy magazines that feature men your age and notice how they dress. But be reminded: you don’t have to look like them. Instead, be inspired.

  1. Get in the know

This advice is related to number two. Luckily, men’s fashion doesn’t happen at the rate of quick-change comediennes. Nevertheless, subtle changes such as colours and fit have happened since you were in your 20s or 30s. Notice them and imagine if they work for you.

  1. Groom Up

It’s more than just the clothes that matter. Regular trims, teeth cleaning and other hygienic treatments will help. For men who want to restore their hair, current options are aplenty. Hair transplant clinics in Manchester such as Fue Clinics offer innovative solutions that could help restore your nice head of hair.

The thing about fashion is it’s always about who you are. Whether you are a Colin Firth, a Clive Owen or a George Clooney type-of-guy, the right clothes can add a spring to every step. For men on their 50s, there is no point in panicking. Reaching the halfway point is all about celebrating what you’ve accomplished with pointed collars and a jacket that sits perfectly.

Preventing Fatal Falls: Optimising Ladder Safety

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Quality ladders
Falling from a ladder can affect people in more ways than one. A 56-year-old carpenter in Victoria, for example, experienced physical and mental injuries years after losing his footing on a three-metre ladder. The fall injured his back, shoulder, ribs and hips. He also lost the kind of concentration he used to have.

Three people in Victoria die from falling from a ladder each year, The Age reports, and the number of ladder-related injuries continues to rise. Here are some things to keep in mind when operating a ladder to prevent fatal falls.

The Right Ladder

Ladders can be made of wood, stainless steel, aluminium and fibreglass. They also differ in height, style and weight rating. Buy a ladder based on your intended use and budget — but don’t skimp on quality and safety because it seems like you’re saving money. A good quality ladder pays off in the long run, while a low-quality ladder can increase your chances of getting into an accident.

Ladder Transport

Ladders can be heavy, and it can topple over during transport. So, take care to reduce extension ladders to their shortest length and fold step ladders before moving them anywhere. There are commercial ladder racks that offer a hydraulic assist mechanism that eliminates stretching and lifting on your part.

Ladder Set Up

A ladder’s foundation should be solid. The feet of the ladder should be resting on a level, smooth and dry surface. Moreover, engage the safety locks if there are any. Always look above you before setting up a ladder as well; there might be power lines overhead that you could accidentally disturb, which could electrocute you.

Additionally, remember to observe the four-to-one ratio set-up when using an extension ladder. That means for every four feet a ladder elevates, it should come out from the wall by a foot.

The Climb

A lot of falls occur because the climber compromised their balance by carrying tools in one hand. If you need your tools, use a rope to haul them up. Furthermore, wear shoes with non-slip soles to reduce the risk of slipping and falling. If possible, have someone else around when operating a ladder to spot you.

It might be just a few metres high but falling from a ladder could drastically change your life. Buying a ladder based on its quality, as well as observing safety protocols while using it will drastically reduce your risk of getting injured.