Posted September 15th, 2013 by Mary
A lot of the last generation has discovered that an education isn’t carrying them as far as they were told it would. With jobs at a premium, many are out-of-work and frustrated, unable to find the work they need to get experience to get further work. It’s a vicious cycle, and many have turned to unpaid internships in hopes of finding paid work down the line. However, many ingenious former-students have turned to a different solution and begun to seek out blue collar work. Many grew up told they had to go to college or get stuck flipping burgers, but a few are re-learning that there are other options.
Being willing to get your hands dirty and apply elbow grease to your day-to-day vastly opens your options for employment. The solution is to simply pursue vocational studies. Most communities have businesses that offer the necessary training and certification, and it’s often possible to begin working as a part of your training, which ultimately results in getting paid much earlier than if you’d pursued a white-collar career.
Choosing an industry to work in is the first thing. The second thing is pursuing certification. HVAC certification is often considered a good starting point to look into as HVAC training is prevalently available and researching it can be somewhat easier, and understanding it will help you better understand other industries as well. Those facing possible underemployment should be willing to consider alternate paths to a stable livelihood; don’t bet everything on pushing papers!
Posted September 8th, 2013 by Mary
Omaha residents who are considering filing bankruptcy should study the two main types of bankruptcy available to them before making a decision. The two chapters to consider are Chapter 7 and Chapter 13. Each debtor’s particular financial situation will fit within one of these two bankruptcy chapters. The main consideration in the beginning is which chapter the debtors will qualify for.
A Chapter 7 is sometimes called the “total liquidation” bankruptcy. Before qualifying for a Chapter 7, a debtor must take the “means test.” If the debtors’ income is under the median income for a family their size in their state, they will qualify for a Chapter 7. If it is not, more calculations are performed. If there is not enough “disposable” income left after all the debtors’ expenses are calculated, they may file Chapter 7.
All of the debtors’ assets are then liquidated and the debtors are given a fresh start. They will, however, be allowed to keep certain property and automobiles.
If the debtors are unable to pass the means test, they must file Chapter 13. The bankruptcy trustee contacts each of the debtors’ creditors and works out a figure that the debtors will pay back. All the debts are combined into one payment to the trustee who, in turn, pays all the creditors. Chapter 13 repayment plans last from three to five years.
The bankruptcy attorney Omaha at Skrupa Law Office will be able to help debtors through this difficult time in getting a new financial start.
