Comments for Home Shopping Network

Comment on How To File Bankruptcy And Is It Recommended? by Gillian G

Gillian G — Wed, 16 Dec 2009 11:15:10 +0000

Bankruptcy isn’t the answer for everyone. If you can avoid bankruptcy, you are better off.
Don’t forget to get consumer credit counseling before you file your case and to take your financial management course after. Otherwise, your case could be dismissed or you won’t get your discharge – the elimination of all of your debts.
Points against bankruptcy: It will be on your credit report for 10 years. It won’t ruin your credit for 10 years but it will result in credit costing more for you if you need it. Your credit will get progressively better in the years following bankruptcy if you keep your agreements.
Bankruptcy doesn’t discharge all debts, such as student loans, taxes less than 3 years old (that’s an oversimplification but good enough for discussion purposes), domestic support obligations and many others.
Bankruptcy costs time and money. You can plan on something close to $2000 in most large cities and something less than that in smaller towns/rural areas, plus fees and expenses of another $360 or so.
Some people find bankruptcy to be an emotional experience.
Once you file chapter 7, you can’t file another one for 8 years. You can’t file a chapter 13 and get a discharge for 4 years after you file. So if things get worse, you may be out of luck.
Your non-exempt property will be sold to satisfy debts in chapter 7.
Things in favor of bankruptcy:
You can discharge dischargeable debts.
You can stop harassing creditors/bill collectors
You can keep your exempt property in chapter 7.
You can keep all your property in chapter 13, including property given as security so long as you continue to pay the secured debt.
You can catch up on mortgage arrearages.
There are other advantages to bankruptcy too

Comment on How To File Bankruptcy And Is It Recommended? by feisty_1

feisty_1 — Wed, 16 Dec 2009 10:57:10 +0000

Filing bankruptcy is an absolute last resort. It stays on your record to 7-10 years and it is complex and stressful. If there is any possible alternative you should explore these as it could make it easier for you to get back on your feet.
Here’s a website that explains what’s technically involved in bankruptcy and which has some information about what courses of action you can take. I hope this helps.
Good luck!

Comment on How To File Bankruptcy And Is It Recommended? by toughatt

toughatt — Wed, 16 Dec 2009 10:53:38 +0000

The new Bankruptcy laws have changed things immensely. You have to seek credit counseling before you can file….and you have to put in an honest effort to make it work. If it does not, the credit counseling center will make the recommendation to the court that you do indeed need to file and are a good candidate. It also depends on the chapter that you file….is it Ch. 7? A 13 and you reaffirm some creditors? It it a Ch. 11? It all depends. Bankruptcies are used for a new start and they have to be taken that way.
It will be hard to get credit before your 2 year filing anniversary. I recommend pre-paid credit cards and pre-approved credit accounts(think Fingerhut here) to get yo on the right track.

Comment on At What Mileage Does A Timing Belt Change Is Recommended On A Pontiac Sunfire 2003? by captain_

captain_ — Tue, 15 Dec 2009 04:43:40 +0000

The Timing belt should be done at around 80,000 miles. It should be listed in your owners manual. Also, the transmission fluid I recommend being done at 30,000 miles. This is a great thing to do to extend the life of your transmission greatly!

Comment on At What Mileage Does A Timing Belt Change Is Recommended On A Pontiac Sunfire 2003? by italy_co

italy_co — Tue, 15 Dec 2009 04:29:59 +0000

This question arises time and time again.You need to try and find out when it was changed if ever was, If not work out the mileage.It is cheaper to change a belt than pay for a wrecked motor.An inspection of the belt may show some light to this question.The same applies to your transmisson question.As it depends what conditions your vehicle has been used.Obviously oil looses its vescosity the more work it does.

Comment on Is It Recommended To Use Mosaic Noce Travertine On A Shower Floor If It Is Sealed, Or Is It Too Porous? by Curly Fry

Curly Fry — Sun, 13 Dec 2009 22:39:01 +0000

Travertine can be sealed. However, I would not recommend it for a floor of any type. It is soft and will not really stand up to the usage. I have used travertine on countertop for a bath. We had it sealed and it is performing beautifully.
You might consider a limestone. It too can be sealed. It is not as durable as granite or marble, but is more durable than travertine.
j
j

Comment on How Much Water Are You Recommended To Drink A Day? by johnande

johnande — Sat, 12 Dec 2009 03:30:51 +0000

Comment on How Much Water Are You Recommended To Drink A Day? by Jim E

Jim E — Sat, 12 Dec 2009 03:09:31 +0000

The general rule is to drink when you are thirsty.

Comment on How Much Water Are You Recommended To Drink A Day? by SharonG

SharonG — Sat, 12 Dec 2009 02:39:50 +0000

Depends on age, sex, physical activity, environmental conditions, and health, among other things. Details at link.

Comment on How Much Water Are You Recommended To Drink A Day? by nina

nina — Sat, 12 Dec 2009 02:05:21 +0000

Thanks for the help with my email problem last week.
The answer used to be 8 – 8oz glasses. This has supposedly changed reciently. It is supposedly however much you feel like drinking. Sounds stupid to me. I am sure the 8 x 8oz of some liquid is closer to accurate. Also, hydration depends on how much you are loosing. Outside, summer, working would require more