Bankruptcy and Things to Know about it

Bankruptcy petition

Bankruptcy and Things to Know about it

People get tangled in debts for various reasons. Some manage to get out of it, while others have no other option but to file for bankruptcy. Filing for bankruptcy is often a scary choice, but knowing what to expect when you do so can make you feel less anxious.

It is important to find the right bankruptcy attorney in Salt Lake City (one such as Utah Bankruptcy Pros) who will handle your case. But what happens after that? Here are important things you need to know when you are ready to file one.

What to know about bankruptcy

There are different types of bankruptcy

Chapter 7 and Chapter 13 are two separate types of personal bankruptcy you can file for. The former is known as liquidation bankruptcy where your assets are liquidated and used to pay off your debts. The process lasts for three to six months. Chapter 13, on the other hand, is known as reorganization bankruptcy where your finances are reorganized to help you pay most of your debts. The whole process will last for at least three years or so.

It will affect your credit

Just because you have filed for bankruptcy and has, in one way or another, managed to clear yourself off of debts, does not mean that your credit rating will reset. Bankruptcy records will affect your credit rating and might reflect on it for years.

Not all debts can be discharged

Unpaid taxes and child support are just some of the financial obligations and debts that cannot be discharged when you file for bankruptcy. Thus, before filing, make a list of debts that can be discharged and those that cannot and make a proper evaluation based on it.

Filing for bankruptcy is not free

You need an attorney when you file for bankruptcy, and everyone knows that services from professionals do not come cheap. Therefore, when you decide to file for one, make sure you have a budget set aside to avail professional services.

Contrary to popular belief, filing for bankruptcy is not the end of it all. In fact, it is one way to allow yourself to have a fresh start. Weigh your options to make the right decision with your finances.

chemicals lined up in science laboratory

Chemical Spill Kits: The Silent Hero of School Laboratories

One of the activities students enjoy in school is lab day. It’s a chance for them to have hands-on learning outside the classroom setting. But lab day can be dangerous, with all the chemicals students have to deal with, and accidents may happen.

The school’s first response, of course, is to keep the children safe from the harmful substances. But controlling spills is equally important as more problems can happen if chemical spills aren’t cleaned up. It can be done quickly with the use of chemical spill control kits, the ultimate hero of laboratories.

Chemical Spills Can Cause Biological Hazards

Spills of one chemical can be dangerous when they mix with other chemicals. The combination can create a more harmful new substance or trigger uncontrollable reactions that are potentially explosive. Apart from disrupting the class, spills may also harm the students’ health in a way that their lab coats, gloves and goggles cannot protect them.

Absorbents in chemical spill kits prevent spills from flowing and spreading further. These kits also come with protective gear so you can keep yourself safe while cleaning up.

A Threat to the Environment

After a fun lab session, disposing of dangerous chemicals properly is advised because of their effects on the environment. When they go down the drain, they can contaminate the soil and waterways. Contaminated water could affect the health of plants and livestock in the long run and pollute water sources, making the supply of water unsafe for drinking.

There’s a specific way of disposing chemicals from the lab, which must be followed by school authorities or left to professionals to perform. On top of that, some chemical spill kits come with protective sheets to cover drains. These items prevent harmful substances from being flushed down the drain. It lets you clean the spills without having to worry about hurting the environment.

Safety Doesn’t Have to Be Costly

Chemical spill kits are the inexpensive alternative to buying different materials separately for spill control. You’re cutting costs one way by addressing spill control yourself. You’re also preventing medical expenses by controlling spills before injuries happen.

Chemical spills are hazardous when unattended. So it’s advisable to make chemical spill kits accessible to the school’s safety team and store them in the laboratory. This will allow you to create a fun and safe learning environment for your little scientists.

Woman being checked for Hashimoto thyroiditis

Managing Hashimoto in 3 Simple Ways

Hashimoto thyroiditis is perhaps the most common hypothyroid condition that has affected people all around the world. It is an autoimmune disease wherein the immune system targets the thyroid thinking it is a foreign object in the body.

This then, causes the thyroid to produce lesser hormones, which results in symptoms like thinning hair, fluctuating weight, depression, and dry skin among others.

Although there is no cure for Hashimoto’s, one can get help from various institutions such as RedRiver Health and Wellness Center to keep the symptoms manageable.

Medication

Since the 1960s, health professionals have been prescribing Levothyroxine to help manage Hashimoto’s; a synthetic substance mimics the natural thyroxine (T4). The increase of T4 in the body can contribute to balance its overall function. But, you cannot feel the results overnight.

Depending on how the patient’s body responds to the treatment, you can notice changes weeks or months after the medication has started. Dosage can be tricky as well, and doctors often adjust them based on how the patient tolerates the dosage.

Diet

Aside from medication, diet also plays a huge role in managing the condition. Eating the right kind of food to nourish while at the same time prevent your body from becoming inflamed of acting negatively is a must. For starters, kicking sugar, processed foods, and fast food is a staple.

Some patients also opt to go gluten-free while others learn to take things moderately while at the same time completely ditching food that triggers the symptoms. In the end, it is all about trial and error plus planning with your doctor or dietician.

Lifestyle change

People suffering from Hashimoto manifest different symptoms. Therefore, treatment also varies. However, general lifestyle changes like getting enough sleep, having the right amount of exercise as well as being able to relax and be stress-free can make a huge difference in one’s day to day life.

Are you suffering from Hashimoto? Do not let it get the best of you. Pick yourself up and start your road to healing surrounded with the people who matter most. Do remember that you are not alone in this battle and that it is something you can overcome.

House

Report Shows 8% Increase in Residential Building in July

A 30% increase in multifamily housing activity helped total residential construction starts in the U.S. to increase 8% in July from June, according to a Dodge Data & Analytics report.

The growth took place after three straight declines in the past three months. The report also aligned with a result of a Freddie Mac survey. It showed optimism for the multifamily sector in the near future, including section 8 rental investments.

Residential Building

The amount of residential construction in July reached an annual rate of $301.1 billion, while the overall value of construction starts nationwide increased 8% to a seasonally adjusted annual rate of $728.1 billion. Demand for single-family homes, however, seemed stagnant due to neutral growth, according to the report.

Nine multifamily projects helped uplift the value of construction starts. These projects amounted to $100 million or more, led by those in Illinois, New York and Hawaii. In terms of the dollar value of multifamily starts, New York City ranked as the top metropolitan area. Chicago, Los Angeles, Boston and Atlanta completed the top five.

Multifamily Outlook

A Freddie Mac survey showed that a majority of the U.S. multifamily industry is confident about the growth prospects for the rental housing market. Over the next three to five years, 60% of respondents expect a continual growth.

However, the survey’s participants have a negative outlook on the affordable housing, with 42% expecting it to become worse than 2016. Land and construction costs, among other expenses, served as the top challenge for the sector, according to 40% of respondents. Still, the survey indicated a general agreement on growth expectations for the multifamily business due to growing demand, according to David Brickman, executive vice president of Freddie Mac Multifamily.

Despite a dim outlook on affordable housing, the U.S. multifamily industry may be on track for stable growth amid high business confidence.

3 Things to Look for in the Best Drain Blockage Solutions

It is actually very easy to get your home’s drains clogged and difficult to get it unclogged effectively. This can lead to many problems, least of which is all the water thrown out that collects in the most inconvenient areas.

Another big problem caused will be bad smells that may waft around your home. It is better to invest in a great drain blockage solution, and here is what to look for in a service provider.

Certification

Like any key home improvement function, drain clearance is a very specialised task. The potential to damage more systems within the home if done wrong is far too great for you to leave it to just anyone. That is why the first thing that you need to look for in your drain blockage experts is certification.

This is more than just a piece of paper – it is a guarantee that the work you are getting is only the very best that you can get.

Up-to-date equipment

As with all technology, the equipment used in effective drain blockage solutions evolve over time. The reasons you will want to make sure that the company you hire is at par in this regard are two-fold.

One, advances in technology ensures that you accomplish the task quicker and more efficiently. Two, advanced technology also means less risk and hassle to other components of your home that might be affected by the procedure.

Reputation

One of the biggest aids in helping you find the very best solutions to your drain blockage problems comes from the experiences others have had with the company you are looking to hire. You can get this from independent review sites that allow users to provide feedback and reviews comfortably.

Other reliable sources are friends and family who have engaged that company’s services as well. Make sure to ask around.

Clogged drains are an annoyance and a serious problem if left unattended. That is why it is crucial that you hire a team that meets the above three criteria.

Alternative Ways to Beat the Summer Heat

Hot TemperatureSummer is here once again, and people feel the heat wherever they go. If you want to escape the summer heat, make your commercial building cooler without making your electric bills higher.

Ways to keep your building cool this summer:

Window shades

Installing window blinds and putting reflective tints on your windows can make a huge difference in deflecting heat from any facility. Curtains, blinds, and even tints all lessen the sunlight entering any room.

Check your roof

You should maintain your roof and even install walkway canopies in your outdoor areas. Choose a roofing material that suits your home’s location and climate. Asphalt shingles and even metal roofing can help lessen heat and protect the building from natural elements.

Walkway canopies for your outdoors could offer shade and protection from the summer heat. If you like outdoor activities in the summer, walkway canopies can provide shaded areas for you and your family.

Check your insulation

Poor insulation will not only let cold air come during the winters, but it can also lead to loss of cool air produced by air conditioning units. Make sure your insulation is functioning well to keep your building’s temperature well regulated.

Turn off appliances

Turn of machines and appliances that are not in use. Not only do they consume unnecessary electricity, but they also radiate a certain amount of heat that contributes to the building’s room temperature.

Change your lights

If you haven’t, it is the right time to change your light bulbs to LED lights. Not only do they consume less energy, but they also release less heat reducing the amount of heat in the room and the whole building.

There are various ways to reduce heat in your building without turning on your air conditioning units in its maximum power. All you need to do is know your home’s features, so the summer will always be enjoyable.

Illustration of a dental implant

Natural Teeth vs. Dental Implants: The Difference in Maintenance

You can ask the cost of dental implants from your Croydon dentist, but generally, it varies from one practitioner to another. It is imperative that one takes care of it the best they can. The common misconception about dental implants is that you can care for them for the way they do their natural teeth.

While this is partially true, there are also some differences when it comes to hygiene between natural teeth and dental implants.

Composition

It may look like real teeth, but there is a huge difference between natural teeth and dental implants. Natural teeth are made of bones and attached to the gums through tissues and nerves. Dental implants are made of synthetic materials appended to the bones and gums in replacement of natural teeth.

The difference in materials alone means the method of cleaning natural teeth and dental implants varies at some point.

Goals

When you have natural teeth, the reason why you brush and floss your teeth regularly is to prevent cavities from forming in your teeth. When it comes to dental implants, cavities will not be able to form and destroy your teeth, but infections can happen, and this is the worst enemy of dental implants.

While brushing and flossing can help keep your dental implants clean, you will need additional help from dental hygienists to make sure that you prevent infections.

Materials

Regular toothbrush and floss are enough for routine maintenance of your whole mouth. However, dentists recommend periodic maintenance and the use of specially designed dental kits in caring for dental implants.

On top of that, regular visits to the dentist for a check-up, as he or she will recommend occasional cleaning.

They might be different but your teeth, whether natural or not are important in keeping your smile radiant. So take care of them well.

Why Transcription Services are Important for Private Detectives

person transcribingA private detective’s job is full of excitement and unique challenges. It involves interviewing subjects, collecting evidence, and processing huge volumes of information. But, everything must be on time and done in an accurate manner.

The transcription of recorded interviews and other pieces of evidence demands a lot of time and resources. Having someone else do it would be a great help. Thus, it is important for detectives to work with a professional transcriptions service.

Here are some of the more compelling reasons.

Save Precious Time

Investigators are always on the go. They have very little time to perform tedious clerical tasks. Also, no private detective has the inclination to do such work. One solution is to request your support staff to spend a big chunk of their time to transcribe each of your cases.

While this may work, it is counterproductive. You may compromise confidential case information. You will also waste the skills that the staff can use for more important support functions. It is also bad for their morale.

Working with professional transcriptions services is a better option. Not one person has access to all the sensitive information. A central manager distributes the work to a group of transcription specialists. Thus, important information that may be crucial to your case will remain confidential.

More Accurate Results

Experienced transcriptionists or translators have the necessary skills and tools for the job. They can decipher incoherent audio files or hard-to-read written evidence. This increases the chances of your materials to get in as evidence.

Taking Advantage of the Transcriptionist’s Experience

The most experienced translator cannot match the skill level of a competent detective. The most experienced private investigator cannot match the skills of a transcriptionist. A good transcription service can provide court-ready and actionable results. The nature of the case does not matter.

As a detective, you need to gather accurate evidence to support your case. Working with experienced and skilled transcription service providers can help.

Dentists Need Marketing Help: Here Is Why

We all know how many businesses can benefit from online marketing. But do dentists need online marketing help as well? The answer is yes.

Whether you have a small or large-scale dental practice, here are some of the reasons you need the help of an agency that offers marketing services for dentists.

Potential customers search online before they contact you

About 81 percent of online consumers research before they make a purchase. Whether you have a small practice or a big team with multiple locations, the same thing applies. People search online for the products and services they want or need before they make the first contact. If they cannot find your practice online, chances are they will find your competitors and you will lose the chance to gain new patients.

Online marketing can help you generate leads

Even if the people who visit your website are not yet ready to get the dental services you are offering, having a website or doing some content marketing online is not a waste of money. Online marketing keeps your existing and potential clients informed about new products or services, news and updates and other information they need to make a decision. In business, you need to create new leads continuously so you can get more customers.

Social media marketing can help you with customer service

Social media has provided businesses with a new, faster line of communication. Customers can now contact businesses directly, unlike before when they had to wait to hear from the customer service representative. They can simply send or leave a message on Facebook, Twitter or Instagram. Businesses should take this as an opportunity to improve customer service and keep patients engaged.

Whatever your goal, consider getting some help from online marketing professionals. Not only can you generate more clients; you can likewise increase every aspect of your business.

Children in a preschool

Dealing with Separation Anxiety

Experts define separation anxiety as a condition wherein a child feels nervous and afraid when their parents or guardians leave them. This condition often manifests in very young children, especially when they begin to attend daycare or preschool. If your child is about to start preschool in Salt Lake City, Utah, follow these tips to deal with separation anxiety:

Be consistent with your goodbye ritual

If you sent your child to daycare when he was younger, you might already have a ritual when dropping him off. If you still don’t have one, though, it’s not too late to start. What’s more important is that your routine remains consistent when preparing your child to go to preschool and when saying a quick goodbye. Pacify his fears and reinforce the ritual by consistently coming back to pick him up. Constant changes can confuse the child and worsen anxiety.

Practice early

Grant your child some virtual alone time at home now and then, where you can allow him to play on his own while you remain somewhere outside his immediate vicinity. This activity can enable the child to adjust slowly to an environment where his parent is not immediately accessible, as well as promote independence. Suddenly exposing the child to separation could worsen his anxiety.

Don't sneak off!

Whether you're leaving your child with another adult at home or dropping him off at preschool, never sneak off. Doing so could send a bad message to your child, making him even more anxious and fearful. Communicate directly with your child so that he does not misunderstand your absence. Also, avoid playing hide-and-seek without him knowing it’s just a game.

Dealing with Separation Anxiety

There are no clear cut methods to prevent separation anxiety in a child, but it is important that you recognize its symptoms so that you can minimize its effects by preparing your child for the milestone of preschool. Remember, go slowly but surely.