There's an old saying that some things get better with age, and apparently one of those things is the ability to manage personal credit. A consumer reporting agency study indicated that people aged 66 and older had the highest average credit scores, followed by those aged 47 to 65.
Few people are immune to the financial pitfalls that have resulted from the recession. If you have a regular income, Chapter 13, which is frequently referred to as a wage earner, can be an effective way to help you save your home, car or business. Used by individuals as well as certain small businesses, a Chapter 13 can provide much-needed relief in difficult times.
It looks like something from sci-fi upon first glance – a droid, perhaps, with the capabilities of performing intricate tasks with pin-point precision. But without this advanced technology in robotic engineering, the intricate tasks would have to be performed entirely by human hands.
That's no longer the case at Saint Francis Hospital – Memphis, where orthopedic surgeons will start in a few days performing MAKOplasty partial knee resurfacing on adults with early to mid-stage osteoarthritis using RIO®, a highly advanced surgeon controlled robotic arm system. The robot was on display recently (Nov. 7) during an Open House at Saint Francis Hospital.
A Chapter 7 bankruptcy typically is filed by individuals, couples or businesses. Frequently referred to as the "fresh start" or liquidation bankruptcy, Chapter 7 usually allows the debtor to receive a discharge from unsecured debts. A discharge means that the debtor is no longer responsible for paying these debts and creditors can no longer collect on these debts.
While there may still be a sliver of a stigma associated with bankruptcy, the most recent economic downturn has helped create a view of it as a strategy to rise above an almost impossible situation.
From job loss and cutbacks to medical bills and divorce, life happens to us all. Every year, over a million people at various stages of life file for bankruptcy. The list of notable filers includes Presidents Abraham Lincoln, Ulysses S. Grant and Thomas Jefferson; major companies such as Chrysler, General Motors, Chuck E. Cheese's, Delta Airlines, K-Mart, Perkins Restaurant and United Airlines; and even famous folks such as Donald Trump, Walt Disney, Larry King, Mike Tyson and Toni Braxton.
In a recent survey, 94 percent of marketers reported that they are using social media to market their businesses, and many small-business owners were willing to tout its potential benefits. About half (51 percent) of small businesses (2 to 100 employees) reported that social media helped to improve sales.