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Benefits of Filing Chapter 13 Bankruptcy

Many people that have lost their jobs during the pandemic are getting to the point where their finances are now out of control. Through no fault of their own, their situation has gotten so dire they’ve looked to bankruptcy as an option. If you’re considering bankruptcy, Chapter 7 is the most common, but Chapter 13 has many unique benefits of its own.

You Pay Back Debt

Chapter 13 bankruptcy differs from Chapter 7 in that it’s not a complete discharge of debt. The court sets up an affordable payback plan and many debts are reduced. This is a good solution for those that would like to pay back the money they owe. Plus, you’ll have only one convenient payment instead of many.

It’s Less Expensive to File

Chapter 7 bankruptcy can be expensive to file especially when you’re strapped for cash to begin with. Chapter 13 costs less money upfront and your bankruptcy attorney Howard County MD can show you the best way to file without sacrificing money you need to live on.

You Can Halt a Foreclosure

Many people fear the loss of their home when filing for bankruptcy, but this usually won’t happen even in Chapter 7 if your payments are current, or you have little equity. However, in Chapter 13, you can keep your home even if your payments are late, or a foreclosure is starting.

You Can Improve Your Credit Score

Another reason Chapter 13 bankruptcy works to your advantage is that it improves your credit score. A common fear is that your credit will take a hit, but lenders see Chapter 13 as you making an effort to pay back your debts, so you’ll see your credit rating rise.

You’ll Resolve Debt

Any type of bankruptcy can be a difficult decision to make. Weigh your choices carefully, as Chapter 13 has definite advantages. Then, seek the assistance of a qualified bankruptcy attorney to begin resolving your debt.

Annual Home Maintenance

Everyone has heard of spring cleaning, but did you know that you can do spring cleaning any time of year? Spring cleaning just means cleaning items and spaces in and around your home that don’t get attention on a weekly or monthly basis.

Outside

Tree trimming is an important part of home maintenance. Overgrown trees can lose limbs in a powerful storm, so it’s safer to keep them cut back. Trimming trees is also a way to keep them healthy and looking nice. The best time to trim trees is when they are not actively growing – from November to March.

Fertilizing grass follows the opposite schedule. To encourage healthy grass growth, fertilize at the beginning of growing season after the last frost.

Whether you have a heated garage or must park on the street, taking care of your car sometimes seems like a full-time job. Although regularly scheduled maintenance and oil changes need to happen whenever your car reaches a certain mileage, it’s nice to make time once a year for a deep clean of the inside and outside of your car. Getting a Waldorf car detailing is like a reset back to almost-new for your vehicle.

Inside

The list of yearly chores that should be performed inside the house is long. Some prefer to break it down and focus on one item a month while others like to create a hell-week of cleaning. To begin with in the kitchen, remove everything from all your cupboards and pantry and wipe down the insides. Do the same with the refrigerator and stove. Pull out large appliances and clean the built-up dust behind them.

Throughout the house, wash all baseboards and walls. Schedule a carpet cleaning. Donate clothes that haven’t been worn in a year and throw away expired medicines. Wash all windows and screens.

Keeping up with annual chores is the key to not getting overwhelmed by them. Create a calendar reminder in your phone and work towards the peace of mind of a well-maintained home.

Why Hire the Professionals to Clean Your Vehicle

Your vehicle is much more than just something that takes you from point A to point B. This means you need to treat it as a valuable investment by keeping up with proper care and maintenance. While taking your vehicle through the car wash and using the free vacuums is an excellent first step, it isn’t enough. If you want to ensure your vehicle achieves a higher level of clean, then hiring the professionals is a smart move.

By hiring the professionals for vehicle interior service Fresno CA, you will experience several benefits, which are found below.

Increase Your Vehicle’s Resale Value

Are you ready to sell your car? A vehicle that has been properly detailed throughout its life will help you get the maximum amount when you sell. You want a potential buyer to see the best your vehicle has to offer, which means it should look attractive and clean. Professional auto detailing services will do that – far beyond what you are capable of in your own driveway. If you want to ensure your vehicle stands out from others available for sale, having it detailed by the professionals is the best option.

Avoid Costly Damage

Did you know if you use the wrong products or equipment, you may damage your vehicle? This is especially true for the exterior. Buffing the paint incorrectly may cause thousands of dollars in damage. You can eliminate the risk of this by hiring a professional service that has the right tools and knows how to handle the job without causing damage.

If you want to ensure your vehicle looks great and stays looking great, investing in professional cleaning and detailing is a smart move. These services will help minimize long-term damage to your vehicle and keep it looking new longer. It is well worth the investment you make.

Contact London Motorcycle Training

Some people consider signing up for a motorcycle riding course as a big step. Therefore, you may have concerns about how to prepare for this type of training. You should take some steps to prepare before taking the class. First, review the course list so that you can find courses that fit your needs. There are various types of motorcycle licenses which are designated by the age of the rider. For instance, a seventeen-year-old can apply for A1 (Light license) training. However, a nineteen-year-old can sign up for A2 (Restricted License) training.

If you want access to a license for riding unrestricted, you have to be twenty-four years old or older and have to sign-up for the A3 license course. With this training, you can operate the motorcycle at your desired speed. Also, you have to take a written exam before doing the practical exam. These tests are expensive and have been designed to evaluate how you ride the cycle. Finally, you have to take some items to the training sessions, including writing materials, and a motorcycle handbook. If you desire to have quality training in motorcycle riding, then consider London Motorcycle Training. They offer affordable sessions and polite and professional instructors.

London Motorcycle Training Packages

The London Motorcycle Training team offers these packages, which include riding gear, bike hire, fuel, VAT, and insurance:

Compulsory Basic Training (CBT)

All motorcycle riders should undergo CBT training, which costs between £99-£129. To be eligible to sign-up for the training, you should either have your United Kingdom driver’s license or European Union driver’s license.

Motorcycle Theory Exam

Once you can master the basics of motorcycle riding, then you have to take the Motorcycle Theory Exam.

Practical Training

Once you have completed the CBT and the Motorcycle Theory Exam, you are eligible to enroll in the practical riding sessions, which cost £175 per day. You can go for two days. At that time, you can select one of the A1, A2, and A3 licenses.

Module 1 Test

If you desire detailed training, choose the Module 1 test, which costs £15.

Module 2 Test

The Module 2 test costs £75. For both modules, you may hire a bike for £125.

If you are interested in safe motorcycle training in the United Kingdom, please visit https://www.londonmotorcycletraining.co.uk/ to sign up for courses on motorcycle riding. The team is happy to assist you with learning motorcycle riding and will work to ensure that you attain your professional license.

5 Strange Truck Loads You Didn’t Know Existed

The U.S. economy depends heavily on semi-trucks hauling goods across the country and from state to state. These goods can range from food to beer to manufacturing parts, and each load plays a vital role in stocking store shelves in large and local businesses. Not every load is so serious, though. Sometimes local loads for trucks involve wacky, unusual products waiting to be delivered. Here are some things you wouldn’t expect to be hiding in a semi.

Shopping Carts

One trucker reported having to move an entire truckload of shopping carts from Oklahoma all the way to Washington. The best part? They were already used. Sometimes truckers don’t move new inventory, but relocate old things between company stores.

Novelties

From knickknacks to souvenirs, those novelties have to get to gift shops and candy stores around the country somehow. Imagine transporting an entire semi full of fake party mustaches, stuffed animals or joke supplies. It might put a bounce in your step to haul something so fun.

Hot Sauce

From mild to blow-your-socks-off spicy, all that amazing hot sauce in New Orleans has to come from somewhere. Truckloads of this awesome sauce multiply in March when Mardi Gras rolls around and the party is in full swing.

Sound Equipment

All the sound, lighting and stage equipment for your favorite concert might not come from just around the corner. Some of it is hauled cross-country from one event to the next, and truckers can occasionally catch the show they’ve helped set up.

The Whole Bowling Alley

Sometimes you just have to move it all at once. Truckers have not only taken the bowling balls and pins, but the entire lanes, ball returns and scoring tables to new locations in different cities and even states. Hopefully, they got the chance to play in the bowling alley once everything was set up.