WorldWide TravelGuide b. v. Internet Marketing and Green Website Development #travel

#worldwide travel

Worldwide TravelGuide provides Complete Internet Solutions for the Travel Industry

Since 1999, WorldWide TravelGuide has been partnering with companies in the tourism industry to present their services on the Internet in the most favorable way. WorldWide TravelGuide provides all services necessary for a succesful presentation on the Internet. We provide Online Marketing, Web Design Development, Hosting and Maintenance, either as a complete package or as separate services, tailored to the needs of our client.

Today, WorldWide TravelGuide has an impressive record, and is proud to count the biggest hotels and resorts on the Dutch Caribbean Islands (Aruba. Bonaire and Curacao ) among its clients.

Online Marketing SEO

The marketing of websites, “Online Marketing ” and “Search Engine Optimization ” (SEO), is our core business. Having a high-quality website is a prerequisite for succes, but that alone is not enough. A website must have visitors, preferably a lot of them, to be effective. A website may be beautiful, but if no one knows of its existence, it may as well not be there at all.

Green Web Design Development

A website that is designed to maximize its effects in terms of exposure and turn-over, is what we are good at. We create websites in close cooperation with our clients, combining our green webdesign and webdevelopment skills with their knowledge of their specific businesses. WorldWide TravelGuide is an experienced partner when it comes to creating a perfect presence for companies in the travel industry.

Reliable Hosting Website Email

In today’s highly competitive Internet economy, a company’s success and growth is dependent on its website. However, we all know that fast, reliable and continuous access to a website will depend on the server it is hosted on. The Unix, Linux and FreeBSD platforms brings speed, reliability, scalability and functionality to your e-mail, database and website.

Maintenance Website Facebook


Posted In: NEWS

Tags: , , , , , , , , ,

Leave a Comment

Hall Green Secondary School – Hall Green Secondary School #hall #green,school,hall


Hall Green School Mission Statement

‘Learning together, shaping the future’

Aims and Values

Hall Green is a popular, vibrant and successful school with a track record of high standards and successful outcomes for pupils of all backgrounds and ability. The diversity of the school population enriches the lives of all the community, and has earned the school an enviable reputation for inclusion.

Hall Green is a school that continually seeks to build on the successes of the past and adapt to the needs of the future and is committed to safeguarding and promoting the welfare of all its pupils. In a changing world, we continue to focus on the essentials that make Hall Green successful: the quality of our teaching and learning; personal pastoral care for every individual in the school; strong relationships with parents, carers and the wider community.

Our governors and staff are committed to providing the very best for the children in our care.

Our aims are that:

  • Every pupil makes outstanding progress
  • Every pupil leaves with personal belief in and aspiration for their own successful future, and as a result takes responsibility for their learning
  • Every pupil has the skills and attitudes to make a positive contribution to society as an active and engaged citizen
  • Every pupil shows care and respect for others
  • Every pupil values and celebrates diversity
  • Every pupil is aware of and sympathetic to the needs of others, particularly those less fortunate than themselves

We call this our Journey to Outstanding.

Mr D Adams

Latest News

Happy, safe summer-Remind from West Midlands Police

Dear Parents/Carers and Students,

With the summer holiday fast approaching, it is important that students are reminded what we, as a school

community, expect of them in terms of behaviour while they are enjoying socialising with friends and family during
the break. We also want to ensure they feel confident to keep themselves safe and away from crime and anti-social
behaviour. Please click here for more information

**Important Notice: Snapchat – The dangers of Snapmap and how to keep your children safe on social media

E-safety is an important aspect of our safeguarding and we aim to inform and educate our pupils, parents and staff on the current issues surrounding this subject.

We wish to inform parents that Snapchat have launched a new update on their app called ‘Snapm ap’. This latest feature allows users to share their location with people they are connected to on Snapchat. Users of the app can also display public photos and v ideos sent by people from those locations.

Leavers Letter for Year 11 June 2017

As your son/daughter has now completed all of their exams, I feel that it is appropriate to inform you of what will be happening over the next few weeks. This includes GCSE examinations and results, Ramadan, Leaver’s Day and Prom. Please click here for more information.

Leavers Letter for Year 11 2017

As your son/daughter is now nearing the end of studies at Hall Green School, I feel that it is appropriate to inform you of what will be happening over the next few weeks, including GCSE examinations and results, Ramadan and Prom. Click here for more information

Silent Study for Year 11

We have introduced a ‘silent study’ revision room for Yr 11 pupils to help them prepare for their mocks and finish controlled assessments. This will be open between 3.15 and 5.00 pm on a Monday and a Thursday in D6 and will be run by senior staff. If it proves popular we will extend provision to include more nights each week.


Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Leave a Comment

Personal Business Loans #debt #consolidation #loans, #debt #consolidation #loan, #home #improvement


Get a Personal Loan for Your Small Business

Looking for small business loans? Prosper can help you get personal loans to use for your small business.

Loans through Prosper are not traditional small business loans. Personal loans through Prosper are based on your credit score, and issued to you as an individual (not a business). For some small business owners needing loans, a personal loan won’t answer their needs—but for other entrepreneurs, it’s perfect. In some cases, such as when a business doesn’t yet have a proven track record, our small business loans can provide lower rates or even just the ability to get a loan.

Whether it’s a personal loan for a new business, a small business, or a larger, more established one, turn to Prosper for access to unsecured personal loans at the rates you’ve been searching for.

Get Personal Loans for your New Business

Do you have a great idea for a first time new business, but lack sufficient backing for a loan? We understand getting new business loans can be challenging, but we may be able to help you and your new business with the loans you need.

Turn to Prosper for access to unsecured loans at great rates. You won’t need to put up any collateral or refinance your home to get the funds you need. Personal loans for small business use are issued to you as an individual, and are dependent on your good credit. Because of this, Prosper can be great help for a new small business.

Need a Personal Loan for your Small Business?

Being your own boss in a small business often isn’t easy — but the rewards can be immeasurable. If you need loans for your small business, you’ve come to the right place.

One of the most difficult roadblocks to overcome can be finding the right small business loan at the great rate you need. And yet, small businesses provide the essential financial backbone in our local communities. At Prosper, we understand this.

Personal loans can be a sensible alternative to small business loans in situations where the small business doesn’t yet have a solid history of profit, or can’t currently provide the documentation and analysis a bank requires to consider a small business loan. The personal loan is issued to an individual—the business owner—based on their credit. It is ultimately their responsibility to pay back the loan.

Prosper is the right choice for Personal Loans for your Small Business

Prosper makes the entire process of getting loans for your new business or existing business easy. If you are new to Prosper, simply join as a borrower and request a loan by creating a listing. You choose the amount.

Why not apply now. It s easy to get loans, and posting a loan listing is absolutely free.

Can I obtain a loan with bad credit?

If you’re certain you have bad credit, Prosper may not be right for you at this time. Consider taking a few months to improve your credit rating, and then apply.

Do you need perfect credit to obtain a loan through Prosper? Not at all. Few of us have perfect credit. If you have average or above average credit, Prosper can be a terrific place to get access to low interest rate loans for you and your new business.

Don t believe us? See for yourself: Get rate now .

There may be Prosper investors out there who are specifically targeting start-ups that need new business loans. We want to help you reach your dreams.

Does my credit score affect my loan?

Yes. If you are sure you have bad credit, you may want to consider improving it before you apply. If you are not sure if you d qualify, we can help you find out now. for free, with no obligation.

Choose the right fit for your business

*For example, a three year $10,000 loan with a rate of 5.99% APR would have 36 scheduled monthly payments of $302. A five year $10,000 loan with a rate of 9.68% APR would have 60 scheduled monthly payments of $201. Annual percentage rates (APRs) through Prosper range from 5.99% APR (AA) to 36.00% APR (HR) for first-time borrowers, with the lowest rates for the most creditworthy borrowers. Eligibility is not guaranteed, and requires that a sufficient number of investors commit funds to your account and that you meet credit and other conditions. Refer to Borrower Registration Agreement for details and all terms and conditions. All loans made by WebBank, member FDIC.

Prosper and WebBank take your privacy seriously. Please see Prosper’s Privacy Policy and WebBank’s Privacy Policy for more details.

Notes offered by Prospectus. Notes investors receive are dependent for payment on unsecured loans made to individual borrowers. Not FDIC-insured; investments may lose value; no Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

All personal loans are made by WebBank, member FDIC. Loans are unsecured, fully amortized personal loans.

Notes are not guaranteed or FDIC insured, and investors may lose some or all of the principal invested. Investors should carefully consider these and other risks and uncertainties before investing. This and other information can be found in the prospectus. Investors should consult their financial advisor if they have any questions or need additional information.

Prosper Funding LLC. | 221 Main Street, Suite 300 | San Francisco, CA 94105

**All personal loans are made by WebBank, member FDIC. All Prosper personal loans are unsecured, fully amortized personal loans.

Notes offered by Prospectus. Notes investors receive are dependent for payment on personal loans to borrowers. Not FDIC-insured; Investments may lose value; No Prosper or bank guarantee. Prosper does not verify all information provided by borrowers in listings. Investors should review the prospectus before investing.

*Seasoned Return calculations represent historical performance data for the Borrower Payment Dependent Notes (”Notes”) issued and sold by Prosper since July 15, 2009. To be included in the calculations, Notes must be associated with a borrower loan originated more than 10 months ago; this calculation uses loans originated through May 31, 2012. Our research shows that Prosper Note returns historically have shown increased stability after they’ve reached ten months of age. For that reason, we provide “Seasoned Returns”, defined as the Return for Notes aged 10 months or more.

To calculate the Return, all payments received on borrower loans, net of principal repayment, credit losses, and servicing costs for such loans, are aggregated and then divided by the average daily amount of aggregate outstanding principal. To annualize this cumulative return, it is divided by the dollar-weighted average age of the loans in days and then multiplied by 365.

All calculations were made as of September 30th, 2013. Seasoned Return is not necessarily indicative of the future performance on any Notes.


Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , ,

Leave a Comment

Managed Print Services #managed #print #services, #what-is-managed-print-services, #ricoh #toner #cartridge, #what-is-a-print-strategy,


Managed Print Services

Why you need Managed Print Services?

Watch MPS Video

Benefits of Managed Print Services

Work with Green Office

What is Managed Print Service?

What is a Print Strategy?

What is a Print Assessment?

What is Total Cost of Ownership?

Our clients


Leaders in cartridges solutions

Let us collect your cartridges

Cartridges collections for everyone


Custom document
management software


Empowering people
through sustainability

Serving the community

Get involved

Green Office News

Having the right people is key to our success and we are always open to hearing from prospective candidates who may be interested in working for us as part of our proactive recruitment drive.
If you have the following skills we’d love to hear from you:

  • Sales – account management and business development
  • Business analyst
  • IT
  • Administration
  • Finance
  • Service Technicians who are Ricoh certified with 3 – 5 years’ experience.

About us

Green Office is an innovative South African company that has reformed the office environment by pioneering complete document solutions which are customised to our clients unique needs.
What started as the remanufacture of used printer cartridges in 1997, has now developed into a comprehensive end-to-end solution for the document environment. Green Office:

  • Consult and implement on Business Process and workflow systems to reduce print and increase efficiencies.
  • Manages all aspects of a company’s print environment.
  • Supplies hardware and consumables.
  • Recycles and remanufactures toner printer cartridges.
  • Services and maintains a company’s printing environment.
  • Implements software to help a company manage its print environment solution, saving them the earth.
  • Incorporates all of the above into our own Managed Print Service (MPS) where a company gets all of these great offerings in one solution.

Our Values

Contact us


Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Leave a Comment

When Visa or Green Card Holders Must Pay Taxes #insurance #for


When Visa or Green Card Holders Must Pay Taxes

Even if you are not a U.S. citizen, you may be required to pay taxes in the United States. Whether or not you must file a U.S. tax return depends upon whether the U.S. government considers you a “tax resident.” All permanent residents (green card holders) are tax residents, but only some holders of nonimmigrant visas are tax residents (see below). Still, filing a tax return can be a good thing if you’ve been working for an employer who’s been withholding taxes from your paycheck — you may get a refund!

Tax residents must report their entire worldwide income to the U.S. Internal Revenue Service (IRS). It doesn’t matter if a portion or all of that income was earned from investments or business activities carried on outside the United States; a tax resident must report it all. But becoming a tax resident does not necessarily mean that the U.S. government will tax all of your worldwide income.

These rules are complicated and subject to a number of confusing exceptions. If you are unsure of your situation, consult a tax accountant or lawyer. Also see IRS Publication 519, U.S. Tax Guide for Aliens . available at

If You Have a Green Card

Once you get a green card, you automatically become a U.S. tax resident, starting with the year you got the green card, and you must declare your entire income to the U.S. government, unless you took steps to be treated as a resident of a foreign country under an income tax treaty.

You may have heard that the number of days you spend in the United States each year has some effect on whether or not you are a tax resident. But this is true only for people who have nonimmigrant visas, discussed below. It is not true for green card holders. Even if you remain outside the U.S. for an entire year, you’ll still need to report your entire worldwide income.

As a green card holder, you must file a U.S. tax return Form 1040 each year.

If You Surrendered or Abandoned Your Green Card

Losing your permanent resident status doesn t automatically mean you stop being a tax resident of the United States. You might need to notify the Department of Homeland Security that you lost permanent resident status or are surrendering your green card, and perhaps file IRS Form 8854. before you are relieved of the duty to file U.S. tax returns.

For some people, this duty to file U.S. tax returns can last for ten years after they stop being a U.S. permanent resident. For more information, see IRS Publication 519.

If You Have a Nonimmigrant Visa

Though holders of nonimmigrant visas are, by definition, not permanent residents of the United States, they may become tax residents simply by spending a certain amount of time in the country each year.

The Substantial Presence Test

If you hold a nonimmigrant visa, you will become a tax resident if you are present in the United States on at least:

  • 31 days during the current year, and
  • 183 days during the three-year period that includes the current year and the two years immediately before that.

Thus, you will automatically be a tax resident for any year you spend 183 days or more in the United States.

However, if you spend less than 183 days, but more than 31, you’ll be a tax resident only if your total days in the United States during the current and previous two years add up to 183. But you don’t count all the days you were present in the country during the previous two years. You count 1/3 of the days you were present in the first year before the current year, and 1/6 of the days you were present in the second year before the current year.

Example: You were physically present in the United States on 122 days in each of the years 2015, 2014, and 2013. To determine whether you meet the substantial presence test for 2015, count the full 122 days of presence in 2015, 41 days in 2014 (1/3 of 122), and 20 days in 2013 (1/6 of 122). The total for the three-year period is 183 days, so you are considered a tax resident for 2015.

If you spend fewer than 31 days of the current year in the United States, you will avoid being classified as a tax resident for that year.

You are treated as present in the United States on any day you are physically present in the country, at any time during the day. However, do not count the following:

  • days you regularly commute to work in the Untied States from Canada or Mexico
  • days you are in the United States for less than 24 hours while travelling
  • days you are unable to leave the United States because of a medical condition that develops while you are in the country
  • days you are an exempt individual–for example, you’re a student temporarily present in the United States under an “F, ” “J, ” “M, ” or “Q ” visa; a teacher or trainee temporarily present under a “J ” or “Q ” visa; or a diplomat, foreign government employee, or someone otherwise related to a foreign government; or a professional athlete who is temporarily in the United States to compete in a charitable sports event.

If you exclude days of presence in the United States, you must file a fully completed IRS Form 8843, Statement for Exempt Individuals and Individuals with a Medical Condition .

The Less-Than-183-Plus-Closer-Contacts Exception

Even if you have a nonimmigrant visa and qualify as a tax resident under the above rules, you can avoid being treated as a tax resident if you:

  • are present in the United States for less than 183 days during the current year
  • have not applied for a green card
  • have a closer connection with a foreign country than with the U.S. and
  • maintain a tax home in this foreign country during the year.

You will be considered to have a closer connection to a foreign country than the United States if you or the IRS establishes that you have maintained more significant contacts with the foreign country than with the United States.

There are other exceptions to these tax rules based on tax treaties between the U.S. and your home country.

If you are a nonimmigrant tax resident of the United States who is required to file a federal income tax return, you use Form 1040NR or 1040NR-EZ.

Filing Your Taxes as a Foreign-Born Tax Resident

If you’re a tax resident, all the tax rules applicable to United States citizens also apply to you. You can generally claim the same deductions and credits allowed to U.S. citizens. Tax residents also generally report tax payments, including withholding, using the same rules as U.S. citizens.

To avoid double taxation, tax residents may claim a foreign tax credit for income tax paid or owed to a foreign country on foreign source income. To claim the credit, you must file Form 1116, Foreign Tax Credit (Individual, Estate, or Trust) . with your Form 1040. For more information, get Publication 514, Foreign Tax Credit for Individuals .

The due date for filing your tax return and paying any tax due is April 15 of the year following the year for which you are filing a return.

You are allowed an automatic extension to June 15 to file your return and pay any tax owing if your main place of business and the home you live in are outside the United States and Puerto Rico on April 15. You can also get an automatic extension of time to file your return until October 15, by filing IRS Form 4868 on or before April 15 (or by June 15 if you qualify for the June 15 extension), but will need to pay any tax due by the required, unextended date.

Failure to follow the U.S. tax laws can lead to bad consequences for tax residents. If you have a green card, it will hurt your ability to qualify for U.S. citizenship. It may also be considered a crime — and if you are found guilty, your green card can be revoked and you may be deported.

If you have a nonimmigrant visa, failure to follow U.S. tax laws can lead to criminal punishment, revocation of your visa, and deportation. Failure to comply with U.S. tax laws can also make it more difficult for you to obtain permanent residency (a “green card”) should you ever want it.

To find out exactly how to comply with U.S. tax laws, consult a tax professional or visit the IRS website at .

To learn more about the details of immigrating to the United States, see U.S. Immigration Made Easy . by Ilona Bray (Nolo).

Talk to an Immigration attorney.


Posted In: NEWS

Tags: , , , ,

Leave a Comment

Picosure Laser Tattoo Removal #picosure, #laser #tattoo #removal, #green #tattoo, #tattoo


PicoSure Laser Tattoo Removal Now Available to Phoenix Scottsdale!

The PicoSure Laser is the fastest laser in the world for tattoo removal, clearing tattoo ink in about ½ the number of treatments required by older lasers in the Arizona market (for a list of old lasers see PicoSure facts below). PicoSure is changing the tattoo removal experience with fewer sessions needed, with less pain, and at a lower price. Now is the time to remove that old tattoo!

  • • FDA approved for tattoo removal in December 2012
  • • Phoenix Skin is the only practice in Arizona to offer the PicoSure Laser and one of about 30 locations in the US. The PicoSure laser delivers energy to the tattoo ink in picoseconds, which is one hundred times faster than old technology that only delivers energy in a nanosecond.
  • • Faster laser = quicker clearing of tattoo ink.
  • • Less time is needed between treatments (PicoSure 4 weeks) versus existing lasers that require 6-8 weeks.
  • • Easily removes blue, green, orange and yellow inks, which were once considered the toughest colors to remove with existing nanosecond technology (aka the older tattoo removal lasers).
  • • Studies reveal greater than 75% overall ink clearance in only 1-2 treatments.*
  • • PicoSure is removing tattoos in about ½ the number of treatments required by older lasers on the market. Older lasers on the market aka old technology include: Q-Switched Ruby, ND YAG, RevLite, AlexELETE, Astanza, MedLite, Sinon, Palomar and Spectra.

PicoSure Questions and Answers
Q. Can I book my first treatment without a consult?
A. Yes, Phoenix Skin can provide an initial complimentary consultation, then treat the tattoo immediately after the consult.

Q. How many treatments will I need?
A. The number of treatments depends on the size, ink color and depth of the tattoo, but since PicoSure is 100x faster than any other laser on the market, fewer sessions will be required.

Q. Why is the price per session more expensive than other places in town?
A. PicoSure has a couple of advantages over other tattoo removal companies: shorter timeframe between treatments and fewer treatments necessary for removal (about ½). If you do the math, the cost is less and the tattoo is removed sooner. Additionally, Phoenix Skin has no hidden charges for numbing (unlike other practices who add it to the cost of the treatment) and no office visit minimums.

Q. I have three tattoos that fit into the “box. Can I get that price instead?
A. No, each tattoo is priced per treatment, per individual tattoo.

Q. Is there a discount available for multiple tattoos?
A. Largest tattoo is regular price. 25% off for any additional tattoos (based on quote from consultation). Discount applies on all tattoos treated at the same appointment.

Q. Can I purchase a package of treatments at a discounted rate?
A. Phoenix Skin does not offer discount packages because the PicoSure Laser removes ink so quickly, it is difficult to estimate how many treatments will be needed.

Q. Does PicoSure work on permanent makeup?
A. Eyebrows only they are $150 per session to treat both eyebrows. PicoSure cannot be used on permanent eyeliner.

Q. Does PicoSure remove red ink?
A. The Revlite laser removes red ink more effectively than PicoSure. If you happen to have a tattoo that contains red ink, Phoenix Skin will use the PicoSure for removal, paired with the Revlite to handle the red ink at no additional cost.

Q. Will the PicoSure treatment hurt?
A. The treatment feels somewhat similar to getting a tattoo. Our staff can numb the area prior to the procedure if necessary for comfort. Patients may experience some redness, bruising or crusting after being treated that will quickly subside within about one week.

Q. Does Phoenix Skin do multiple treatments on the same tattoo in a single appointment?
A. Some practices offer multiple treatments in a single appointment, known as the R20between treatments, which means that you will be spending up to 2 hours being treated. Lastly, the time between appointments is extended to between 3 and 6 months.

Q. Why do I have to wait 3-4 weeks between treatments?
A. The PicoSure laser tattoo removal treatment will break up the ink pigments into smaller pieces. The time required between treatments allows your body to naturally remove them. The PicoSure difference is that those broken up ink pigments are smaller than other lasers on the market, allowing your body to more effectively remove them, thus the recommended time between treatments is shorter.

Q. Is PicoSure used for removal of anything else?
A. Yes, it is also effective in clearing, age spots, Café au lait, brown spots, Nevus of Ota and birthmarks. In some cases, PicoSure can also address traumatic scars. Scheduling a complimentary consultation is recommended for evaluation of the area to be treated.

Tattoo Cover Up
Want to replace a tattoo, but are not interested in a much bigger more elaborate costly design? Let Phoenix Skin Dermatology prepare you for that tattoo cover up using the same laser tattoo removal process allows the tattoo to fade enough for a tattoo artist to easily cover it with a new tattoo! See below for tattoo removal before and after pictures and witness how the tattoos fade with each treatment.

How Does Laser Tattoo Removal Work?
Laser tattoo removal is the most effective, non-invasive method of safe tattoo ink removal. The lasers used at Phoenix Skin Dermatology for tattoo removal are designed to effectively target the ink that resides just under your skin. Using different wavelengths of light to address the many different colors used in tattoos, the laser breaks down the ink particles into smaller fragments which are then removed through your body’s natural cleansing process. This cleansing process generally takes between 3 to 4 weeks to remove the maximum amount of ink pigments. Scroll down to check out the tattoo removal before and after pictures of our clients.

Tattoo Removal Before and After Photos

*Individual Results May Vary

Tattoo Removal Cost

The cost per treatment starts at $45 for a 1” x 1” size tattoo and increases based on the dimensions of the tattoo. Please reference our pricing chart below for PicoSure tattoo removal cost. Military discount of 10% is available (must show id). No office minimums are required as you may find elsewhere (please call to schedule a free consultation to get PicoSure cost). Also unlike other practices, there is no pressure to prepay for treatment packages. Care Credit financing is also available.

Up to 1 Square Inch, $45
Up to 5 square inches, $100
Up to 10 square inches, $150
Up to 15 square inches, $200
Up to 20 square inches, $225
Up to 25 square inches, $250
Up to 35 square inches, $275
Up to 45 square inches, $300
Up to 55 square inches, $350
Up to 65 square inches, $400
Up to 75 square inches, $450
Up to 90 square inches, $500
Up to 100 square inches, $525
Up to 125 square inches, $600
Up to 150 square inches, $650

Are you one of the thousands living with bad tattoos? Are you thinking about a tattoo cover up? Or are you just tired of your tattoo? Bad tattoos are no longer a permanent mistake. Call today for a complimentary tattoo removal consultation at (602) 222-9111!

FOX10 News Segment on the new PicoSure Laser at Phoenix Skin

All PicoSure photos contained in this web page are protected by
Phoenix Skin copyright and may not be copied, linked, or redistributed in any form

How much does it cost per treatment?

Tattoo Removal Prices
Up to 1 Square Inch, $45
Up to 5 square inches, $100
Up to 10 square inches, $150
Up to 15 square inches, $200
Up to 20 square inches, $225
Up to 25 square inches, $250
Up to 35 square inches, $275
Up to 45 square inches, $300
Up to 55 square inches, $350
Up to 65 square inches, $400
Up to 75 square inches, $450
Up to 90 square inches, $500
Up to 100 square inches, $525
Up to 125 square inches, $600
Up to 150 square inches, $650

How long does the procedure take?

Tattoo removal treatments can range from 15-30 minutes depending on the size of the area(s) treated and if topical anesthetic is being used or not.

What can I expect post-procedure?

You may experience mild-moderate inflammation and redness post treatment for 1-10 days. You may also see a white tissue response called “frosting” which subsides within a couple hours. Total healing time can range from 1-3 weeks. You will need to keep the area bandaged during the healing process and avoid prolonged sun exposure during the course of your treatments.

When will I see the results?

Each tattoo is very different and there are many factors to consider like depth of the ink in the skin, how your body metabolizes the ink and how many/ which colors are used. Most patients see a 10-20% reduction after each treatment.

How long do the results last?

Laser tattoo removal results are permanent.


Posted In: NEWS

Tags: , , , , , , , , , , , , ,

Leave a Comment

Tired of Dish in Green Bay, 1-877-638-1724, dish network green bay.#Dish


Compare Dish Network Green Bay Service

Custom Installation Extra

with qualifying packages

with CHOICE™ Package and above

Advanced receiver fee required. Minimum 2-room setup required.

Dish Network is a satellite television provider to over 14 million subscribers. Although the company was founded in the early 1980’s, the company didn’t truly get its start until 1995, when co-creator Charlie Ergen launched his first satellite from China in 1995. Some months later, Dish Network broadcast its first signal in Cheyenne, Wyoming.

The company now has headquarters in Englewood, Colorado and broadcasts to many areas nationwide. Dish Network currently employs over 22,000 people, and remains a leader in satellite television technology.

Dish Green Bay Satellite Television Packages

Dish Network Green Bay provides several different channel packages at a number of price points to fit the budget of a variety of individuals and families. Dish Network customers can choose from the following packages where they are available:

  • Smart Pack – Features over 55 channels, including popular choices like Nickelodeon and Fox News
  • America’s Top 120 – Features over 190 channels, including Disney, CMT, E!, ESPN and more
  • America’s Top 120 Plus – Features over 190 channels, including Regional Sports Network
  • America’s Top 200 – Features over 240 channels, including Disney XD, NFL Network, the SEC Network and Bravo
  • America’s Top 250 – Features over 290 channels, including Nicktoons, the DIY Network, H2 and the Movie Channel
  • America’s “Everything” Pak – Features over 330 channels, including popular specialty channels like STARZ®, HBO® and Cinemax®

Dish Network also offers consumers with a variety of special offers, including:

  • HBO, Cinemax, Starz and Blockbuster at Home – Offers customers the ability to connect to popular specialty channels like HBO and Starz, as well as over 30 other premium channels like Epix, Encore, The Blaze and Playboy TV
  • Dish Protection Plan – Offers customers free equipment replacement and priority technical support

dishNET DSL Internet, With & Without Phone

Dish Network offers an Internet and phone package with speeds of up to 20 mbps where available. Integrated Wi-Fi is available with certain modems, preventing consumers from needing to purchase an additional Wi-Fi router.

dishNET Satellite Internet

Dish Network also offers a satellite Internet option, with speeds of up to 10 mbps where available. There are a variety of plans available that are designed to meet the needs of a diverse range of consumers in different regions. Dish Network’s satellite Internet has the potential to reach many rural areas where DSL is not yet an option.

Dish Green Bay Availability

As one of the leading satellite television, Internet and phone providers in the United States, Dish Network services are available throughout the nation. However, Dish Network television service, Internet or phone may or may not be available in your particular area. Contact a Dish Network provider to find out if your home can be serviced or learn more by clicking another city below:

Comparing Television Providers

There are a number of different television, Internet and phone providers that consumers across the country can choose from, including both national providers like Dish Green Bay service and local providers. While many providers offer the same channels or similar services, comparing all packages and availability in certain areas can help consumers make an informed decision about which provider to choose.

Data collected 11/26/14 from

Dish network green bay

If Dish Network doesn’t seem like a fit for you, try looking into these other providers near you: is a resource for comparing multiple TV companies. Our comparison information takes into account several factors, including availability, package features, channels, technology, industry experience and customer service. Our comparisons are the opinion of and are subject to periodic change based on consumer research, costs, provider offers, package features and functionality, as well as other changes in the home entertainment industry. currently accepts compensation from DIRECTV (and only DIRECTV) for sales generated from this site. Other providers listed on this site are for comparison purposes only. Complete package details are available on comparison pages via links to each provider’s website.

Dish network green bay

Call Now and Switch to DIRECTV 1-888-926-6718

Or fill out the form below and a DIRECTV

specialist will contact you shortly.

1-YR ALL INCLUDED PACKAGE PRICE: Ends 9/30/17. Available only in the U.S. (excludes Puerto Rico and U.S.V.I.) Price includes All Included TV Pkg, monthly fees for a Genie HD DVR + three (3) add’l receivers , and standard prof’l installation in up to four rooms. Custom installation extra. After 12 mos. or loss of eligibility, then prevailing rate for TV package applies (currently $90/mo for SELECT All Included; $101/mo for ENTERTAINMENT All Included; $115/mo for CHOICE All Included; $124/mo for XTRA All Included; $131/mo for ULTIMATE All Included; $187/mo for PREMIER All Included ), unless cancelled or changed by customer prior to end of the promotional period. Exclusions: Price does not include taxes, $35 activation fee, Regional Sports fee of up to $7.29/mo. assessed with CHOICE and/or MÁS ULTRA Pkg and above , applicable use tax expense surcharge on retail value of installation, equipment upgrades/add-ons, and certain other add’l fees & chrgs. Some offers may not be available through all channels and in select areas.

GEN. INTERNET/PHONE SVC TERMS: Geographic and service restrictions apply. Separate agmt or terms/conditions may be req’d based on internet/phone service provider. Services billed separately. Prices vary depending on provider and are subject to change. Separate appointment for Internet installation may be required. Equipment and/or computer system requirements may vary by required and may be sold separately. Start-up costs, taxes and other fees may apply.

DIRECTV SVC TERMS: Subject to Equipment Lease & Customer Agreements. Must maintain a min. base TV pkg of $29.99/mo. Programming, pricing, terms and conditions subject to change at any time. Visit or call for details.

Offers may not be combined with other promotional offers on the same services and may be modified or discontinued at any time without notice. Other conditions apply to all offers.

©2017 AT width: 250px; margin: 0 10px 5px 0;” src=”” />

Dish network green bay


Posted In: NEWS

Tags: , , ,

Leave a Comment

Ethanol: Pros ?>



Positive Net Energy Balance – Corn-based ethanol has a positive net energy balance of 1.06btu per gallon for 1.00btu of energy used without ethanol by-product credits. With these credits, for things such as DDGS, corn-based ethanol has a positive net energy balance of 1.67btu per gallon for 1.00btu of energy used.

Biodegradable – As ethanol is made with organic materials it is highly biodegradable making spills far less worrysome than petroleum spills. When spilled, 74% of ethanol is broken down within 5 days.

Usable By-Products – The two chief by-products of corn-based ethanol are CO2 and DDGS, both of which are usable in other industries. The CO2 can be captured for use in the food and beverage industry. DDGS can be used for cattle feed or further crushed to extract corn oil, for food or biodiesel production uses.

Most Infrastructure In-place – There are few changes that would need to be made to widely adopt ethanol. Most automobiles available in the U.S. are Flex Fuel capable and there are roughly 2,000 stations already serving E85. While most of these stations are lumped in the Midwest, they are increasing nationwide.


Food vs. Fuel – 2.4 to 2.8 gallons of ethanol can be produced per bushel of corn. As a result, there has been massive media coverage over the use of food as fuel. While there are mountains of findings showing how the use of corn has increased food costs and equal amounts showing it does not, in the end food crops are being used as fuel, making corn-based ethanol inferior to cellulosic ethanol in this regard.

Reduced MPG – Based on 2009 flex fuel vehicles, E85 miles per gallon is expected to be roughly 28.5% lower in the city and 26.5% lower on the highway. This means it takes 1.35 to 1.40 gallons of E85 to equal the mileage of 1.00 gallons of gasoline.

Fuel Transportation – Ethanol absorbs water and is corrosive. which make it difficult to ship through existing pipelines from the Midwest of the U.S. where most production occurs. Remedies include shipping or building dedicated ethanol pipelines, however the most likely scenario seems to involve rail or road transport. The best scenario would be local ethanol plants, with the easiest way to accomplish this through continued development of cellulosic ethanol, where feedstocks are abundant everywhere as opposed to corn or sugar.

Water Absorbtion – Ethanol absorbs water, which can contaminate it as a fuel and makes it more difficult to ship through pipelines. As a result, ethanol has a shorter shelf and tank life than gasoline.

Fueling Locations – There are roughly 2,000 E85 fueling stations in the U.S. with the majority in Illinois, Indiana, Iowa, Minnesota and Wisconsin. A U.S. E85 fueling station map and locator can be found here.


Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , , , , , , , , , , ,

Leave a Comment

How To Broadcast Live With A Green Screen #green #screen #software


Popular Topics


Top Deals

I ve already showed you the basics of green screen videography with pre-recorded footage in iMovie or Premiere How to Do Green Screen Video in iMovie and Adobe Premiere How to Do Green Screen Video in iMovie and Adobe Premiere Technically known as chroma-keying, green screening is the process of masking a video using color – removing specific parts so you can overlay one video on top of another. An obvious example is the weather. Read More. so you could superimpose yourself onto any video or background. Wouldn t it be cool if we could use this green screen effect for a live broadcast like on Google Hangouts, or Skype?

Yes indeed it would be, James is the answer you re looking for there, and you re in luck because I ve been having a go at doing that very same thing. Read on to join the cool kids club as we play with live green screen broadcasting on Mac or Windows.

No idea what Google HangOuts is? Tina fills you in on how to use HangOuts to chat with friends How To Use Google+ Hangouts To Meet With Friends How To Use Google+ Hangouts To Meet With Friends Google Hangouts is a key feature of Google+. If you are not using Hangouts already, you are missing out! Maybe you haven’t yet joined Google+. Well, if you do have a Google account, then joining. Read More. and 5 reasons HangOuts are cooler than Skype 5 Reasons Google Hangouts Are Cooler Than Skype For Video Chats 5 Reasons Google Hangouts Are Cooler Than Skype For Video Chats Hangouts is Google’s take on chat rooms. Like many times before, Google has turned a good idea into something incredibly useful, while preserving simplicity and ease of use and thus making it fantastic. In this. Read More ; read those, then come back and wow them all with your green screen skills.

Mac OS X: CamTwist (Free)

CamTwist is remarkably useful considering it s completely free. Unfortunately, it s also about non-user-friendly as they come. Upon first launching the app, you ll be greeted with this interface, which is only slightly less intimidating than a spreadsheet from the 80s.

First, hit CMD-P to open up the preview window.

The premise of CamTwist is that you add input sources, and effects, and end up with a composite video you can then feed into other applications a DIY webcam, if you like.

Double-click on a video source your webcam would be an easy place to start at then double-click some effects to add them. Effects stack, though your results will vary of course depending on what you choose. I quite like this dot screen and earthquake effect.

Now, onto our green screen. For this we ll need a background source your desktop is probably the easiest for testing, but you could also use a pre-recorded video source (I could only get .MOV formats to work). another webcam, or just a slideshow of images. Double click to add your chosen source to the scene.

Next, highlight Webcam and select the PIP (picture in picture) button from the bottom of the list. This will overlay your webcam onto the scene. To setup the Chroma-key, select the PIP Webcam from the Step 3 column to open the settings screen.

Check the box next to Chroma key, and choose the colour. The easiest way to find the colour is using the magnifying glass in the top left of the colour popup. Adjust the threshold to tweak results as you can see above, mine turned out pretty badly thanks to poor (uneven) lighting.

One caveat here: CamTwist won t work with 64-bit applications, which the latest Flash player and most web browsers are so if you re unable to find the virtual CamTwist video source in Hangouts or otherwise, you ll be stumbling up against this issue. To get around this, you should try running the app in 32-bit mode by right clicking on the application and checking the relevant box. If that doesn t work, the CamTwist developers suggest installing an older version of Flash also 10.3 should be fine which also still runs in 32-bit.

Hopefully someone will deal with this 64-bit incompatibility at some point.

Windows: SparkoCam ($20)

I can t find a free solution do to this on Windows, but SparkoCam is the cheapest and also lets you use a DSLR camera as a live video input source, which is fantastic and will give you far better quality than a webcam this alone makes it worth the price, I think.

Start by selecting your video source on the initial screen. To use a DSLR, plug in the supplied USB cable and switch the camera to video mode. You might want to disable auto-focus, or you ll end up with annoying scratching sounds as its tries to focus every 3 seconds.

To add the green screen, move over to the Effects tab (next one along). Select a background first or you won t know when it s working. By clicking on Detect the app was able to automatically add the right colour, and the quality of the screening was actually real good no tweaking necessary this time. Unfortunately, it s slightly limited in that you can only use a static background image you can t broadcast your desktop, or overlay on top of another video.

The Bottom Line

Green screen video is just great fun, live or pre-recorded. It can be a bit fiddly getting drivers to work correctly for CamTwist, especially considering that running an older version of Flash can be a serious security risk, but with enough tweaking you should get there in the end and the forums are full of users ready to help.

So any ideas on how you ll use green screen? Share your thoughts in the comments, below.

For more tips and advice on using Google Hangouts, Bakari gave some advice about using it for online meetings Tips On Planning Holding Effective Meetings With Google Hangouts Tips On Planning Holding Effective Meetings With Google Hangouts With today’s Internet technology, holding online meetings can be both efficient and cost-effective especially if you pre-plan them and make use of time-saving tools. For the last couple of months I’ve participated in online meetings. Read More. and here are some creative ideas to get more out of HangOuts Get More Out Of Google+ Hangouts With These 5 Creative Ideas Get More Out Of Google+ Hangouts With These 5 Creative Ideas Google+ Hangouts are a pretty cool tool – one which we’ve put to good use here at MakeUseOf. Whether it’s to hold editorial meetings or to host our own Podcast, Technophilia, we’re big fans of. Read More .

8 comments Write a Comment


Subscribe to Our Newsletter


Posted In: NEWS

Tags: , , ,

Leave a Comment

Royal Pest • Philadelphia, Delaware, Maryland, New Jersey, Pennsylvania, and Virginia


  • Bed Bug Control
  • Pet Safe Pest Control
  • Planet Friendly Pest Control

Royal’s Integrated Pest Management Approach for Controlling Bed Bugs

Royal Pest Management’s policy for bed bug control is defined in 4 separate sections:

Most bed bug jobs are different and present unique challenges specific to their individual locations and type of structure.
However, Royal has created a Bed Bug Control Program that we have found to be a highly effective process to treat for bed bugs.

Royal Pest Solutions is planet friendly and PET-FRIENDLY. Before we perform any pest service at your home, our Pest Professionals will talk with you about your home, your family, and your pets.

Royal understands that your pets are part of your family. It’s important we know the type of pets you have, where they eat and sleep, and if they have recently been treated for any pest problems.

Here’s an example of how Royal cares about your pet. Say your dog brings fleas into your home. You may take him to the vet for a flea treatment, then put a flea collar on him, and then have a Royal Pest Professional treat your home to eliminate fleas.

Truly Targeted Pest Control

Beneficial insects and other creatures, such as honeybees, birds, praying mantis, and (our favorite) butterflies, need to fly, pollinate and fulfill their essential functions to the planet without fear of the unintended effects of pest control.

Royal Planet Friendly Pest Control provides a much greater margin of safety, presents theLOWEST POSSIBLE IMPACT to the environment, and ensures highly effective control of a wide range of insect pests.

Royal Pest is full-service pest control company serving Delaware, Pennsylvania, Maryland, New Jersey and Virginia. Royal uses the most advanced methods and materials in IPM (Integrated Pest Management) to provide customers with pest control that is the safest and most effective in the industry today. Royal s services are a truly planet friendly way to protect your family, your home and your lifestyle from annoying, destructive and harmful pests. We re able to solve practically any pest problem from the most common ( ants, termites, spiders, etc.) to those other pest companies shy away from ( bats, snakes, rats, raccoons, etc.). Our Protects System is designed so that our customers can choose the level of protection best for them and pay only for what they need. No other pest control company delivers Royal s combination of customized service, safety and guaranteed results.


Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Leave a Comment

Worst kind of company: Alarm in Britain over Macquarie Bank s


‘Worst kind of company’: Alarm in Britain over Macquarie Bank’s proposed takeover of UK’s Green Investment Bank

Banks admit breaking cartel laws

London: A bipartisan coalition of former and serving British MPs has raised alarm about Macquarie Bank buying up the UK’s Green Investment Bank, with the former business secretary saying the Australian investment bank is the “worst kind of company” to be acquiring the £2 billion ($3.4 billion) fund.

MPs expressed fears that Macquarie Bank, known in Australia as the “millionaires factory”, would acquire the Green Investment Bank (GIB) only to strip it of its most profitable parts, abandoning its environmental purpose. Initially Parliamentarians had feared that if owned privately the Green Bank would expand beyond its remit. But sources said that with Macquarie Bank as the likely owner, the fear is now that the Green Bank will be chopped up and sold off according to its financing arrangements, a practice known as “asset stripping” which would trigger a flight of staff and destroy the Bank’s ability to carry out it’s green mission.

The British government had been expected to announce by the end of 2016 who would purchase the GIB, which the tory government, under the leadership of the then Prime Minister David Cameron announced would be privatised in June 2015. The formal sell-off process began in March and Australia’s Macquarie Bank is poised to be announced as the winning bidder. Bloomberg on Wednesday, citing a source familiar with the process, reported the UK government is set to agree to a deal to sell the GIB to Macquarie Group in early January .

But that prospect has alarmed some MPs who say Macquarie Bank’s past behaviour disqualified it to look after the green bank.

The former Tory minister for energy and climate change Gregory Barker who helped create the Bank has called for an urgent halt to the privatisation process.

“Am increasingly alarmed that sale of #GIB will now see it broken up so much it threatens its future as enduring institution,” he wrote on Twitter.

Am increasingly alarmed that sale of #GIB will now see it broken up so much it threatens its future as enduring institution #slamonthebrakes

In 2013, Britain’s influential Sunday Times published an article calling Macquarie Bank “the vampire kangaroo” over the Macquarie-led consortium’s management of Thames Water which it acquired in 2006 .

The former Liberal Democrat MP Simon Hughes told the paper that under Macquarie “Thames has paid out large dividends, run down its capital [and] not paid taxes.”

Sir Vince Cable promoting solar panels. Photo: Supplied

Former Liberal Democrat MP and secretary of state for business Sir Vince Cable echoed this, telling Fairfax Media the Australian investment bank was “notorious for pursuing short-term profitability at the expense of long-term sustainability”.

This is the worst kind of company to be entrusting maintaining the integrity and green mission of the bank.

Britain’s Former Secretary of State for Business Vince Cable

“This is the worst kind of company to be entrusting maintaining the integrity and green mission of the bank,” he said.

Sir Vince said while he opposed the privatisation of the bank, he would prefer a different company to Macquarie if the sale had to go ahead.

“A company whose track record is better aligned with the objectives of the bank,” he said.

He also proposed a “golden share arrangement” where the UK government would be able to force Macquarie to uphold the Bank’s green mission.

“But if it did so I suspect that Macquarie would no longer be interested,” he said.

Sir Vince said he believed the Tory government was having second thoughts about offloading the bank to Macquarie, fearing “reputational damage”.

The Labour MP and opposition spokesman for business, energy and industrial strategy, Clive Lewis, also backed a golden share arrangement “to ensure beyond any doubt that the bank will be retained as a single institution … even if it causes Macquarie to pull out of the deal.”

“If it’s broken up, sold off and its green commitments forgotten, not only will the taxpayer lose the healthy returns the GIB has been providing, but the UK risks breaching international and domestic climate targets,” he said.

And the first Greens MP elected to Britain’s parliament, Caroline Lucas, said Macquarie Bank had a track record of supporting “climate-wrecking projects”.

“The government’s preferred bidders, Macquarie, are an Australian-based bank funding fossil fuel extraction projects across the world. From open-cast coal mines in China to fracking here in the UK, Macquarie has a track record of [supporting] climate-wrecking projects.”

Macquarie Bank declined to comment. Photo: Grant Turner

Fairfax Media approached Maquarie Bank in London for a response to the MPs concerns but the bank said it would not be commenting.

The UK’s Green Investment Bank began investing in green energy and infrastructure projects in 2012, making it the first green bank in the world at the time.

Australia’s Clean Energy Finance Corporation, established by the former Labor Gillard government in 2012, mimics the bank.

Wind farms are a form of renewable energy and the green economy. Photo: Vestas Wind Systems A/S

Both banks take a commercial approach to financing clean energy projects which would otherwise struggle to find private sector funding.

The CEFC said in July this year that since its inception in 2013 it has invested $2.3 billion in projects with a total value of $6.6 billion.

The GIB says it has funded £2.7 billion worth of a total £11.1 billion worth of transactions in the green economy. In 2015 it began turning a profit.

Latika Bourke


Posted In: NEWS

Tags: , , , , , , , , , , , , , , , , , , , , , , , ,

Leave a Comment

Lean Six Sigma Green Belt Certification Online #lean #six #sigma #vs


Lean Six Sigma Green Belt

This Program is Most Suited for:

  • Professionals and students looking to obtain industry-recognized accredited certification.
  • Directors, quality managers and supervisors who are interested in leadership opportunities.
  • Professionals who work in healthcare, manufacturing, finance, government, or other service/product based industries.
  • Professionals who are involved in manufacturing, engineering, quality control, supply chain, management and operations.

Lean Six Sigma Green Belt Training

SSGI is an IASSC accredited Lean Six Sigma Green Belt training provider. Training is 100% online, self-paced, mobile friendly and hosted on a LMS. Course material has been designed so that it is easily understood by beginners and those new to the discipline. There are no required software applications or additional training materials needed. Training is fully aligned to IASSC Green Belt standards.

Course Completion Time

There is no time restriction. You will have lifetime access.

Completion time largely depends on your availability. Some people finish the program within a week and others take up to several weeks. Everything is self-paced and there is no time restriction in regards to completing the course.

  • Full Lean Six Sigma Course (includes case studies from FB, Apple, Microsoft)
  • Accelerated Lean Six Sigma study guide (time friendly option)
  • Flash cards
  • Practice exam
  • 24/7 Instructor support
  • 35 CEUs
  • Strengthen your problem solving skills
  • Learn how to improve processes to save organizations time and money
  • Learn critical management skills that top organizations value
  • Develop a professional working knowledge of Lean Six Sigma at the Green Belt level

Lean Six Sigma Green Belt Certification

Our Lean Six Sigma Green Belt certification is industry-recognized and fully accredited by the Council for Six Sigma Certification.

Lean Six Sigma certification from Six Sigma Global Institute will help you stand out from the competition, open new career opportunities and increase your salary. As a Certified Green Belt Professional (from an accredited provider), you will be qualified to lead small and medium sized projects. Our organization trains and certifies employees from top companies around the world such as GE, Deloitte, Humana, Fedex and Time Warner Cable.

  • Increase your salary upwards of 40%
  • Improve your resume and open hundreds of new job opportunities
  • Get promoted
  • Manage small/medium teams and projects


Posted In: NEWS

Tags: , , , , ,

Leave a Comment

Options If You Can – t Afford a Chapter 7 Bankruptcy


Options If You Can t Afford a Chapter 7 Bankruptcy Lawyer

Many debtors are unable to afford the fees charged by attorneys for Chapter 7 bankruptcy. While many attorneys offer payment plans, they will not file your case until all fees are paid in full. This means that you will not have bankruptcy protection against creditors while you are trying to pay your attorney fees. If you can t afford a Chapter 7 bankruptcy attorney, consider:

  • filing on your own
  • obtaining assistance from a free clinic or legal aid society in your area
  • finding a pro bono attorney, or
  • filing for Chapter 13 bankruptcy to pay attorney fees through your repayment plan.

(For comprehensive information about Chapter 7 bankruptcy, see our Chapter 7 bankruptcy area.)

Filing for Chapter 7 Bankruptcy Without an Attorney

Bankruptcy laws don t require you to have an attorney to file for bankruptcy relief. Whether you should hire a bankruptcy attorney depends on the complexity of your case and how comfortable you are filing on your own. In general, if you have a simple Chapter 7 bankruptcy (meaning your income is below the state median, you have little or no property, and your creditors are not likely to allege fraud against you), you have a greater chance of successfully completing your case and obtaining a discharge on your own.

However, keep in mind that bankruptcy laws are complex and even simple Chapter 7 cases require you to complete extensive forms, research exemption laws, and follow all local court rules and procedures. If you are not willing to put in the necessary time and research, you risk losing your nonexempt assets or not getting all of your debts discharged. As a result, consider using a good bankruptcy self-help book and consult an attorney if you are not comfortable filing on your own.

To learn more, see Filing for Bankruptcy Without an Attorney. For step-by-step instructions on how to file for Chapter 7 bankruptcy, get How to File for Chapter 7 Bankruptcy. by Stephen Elias, Albin Renauer, and Robin Leonard (Nolo).

Free Clinics and Legal Aid

There are many resources available to debtors who can t afford a bankruptcy attorney. Some bankruptcy courts have free clinics to help debtors file for bankruptcy relief on their own. Contact your bankruptcy court to find out about the services it offers. Even if your local court does not have a free clinic, it may provide you with a list of free services or programs available in your area.

In most states, there are legal aid societies that have attorneys who provide free legal services or assistance to low-income individuals. However, the services provided vary by each office. Contact your local legal aid society to find out whether it offers assistance to debtors who wish to file for Chapter 7 bankruptcy but can t afford an attorney.

Pro Bono Attorneys

In addition to free clinics and legal aid societies, many attorneys take on a certain number of pro bono (no fee) cases. If you have little or no income, contact local bankruptcy attorneys in your area or your state bar attorney referral service to find attorneys who provide pro bono services to low income debtors.

Filing for Chapter 13 Bankruptcy

Filing for Chapter 13 bankruptcy allows debtors to pay all or a portion of their attorney fees through their repayment plan. If you can t afford to pay all attorney fees upfront for Chapter 7 bankruptcy, you may be able to stretch them out by filing for Chapter 13 bankruptcy. (Learn about Chapter 13 bankruptcy .)

However, filing for Chapter 13 bankruptcy may not work for everyone. In general, Chapter 13 bankruptcy is for debtors who can afford to pay back a certain amount of their debts (such as mortgage arrears, car loans, or unsecured debts). If you don t have enough income to afford your Chapter 13 plan, you will not qualify.

Further, certain bankruptcy courts don t allow Chapter 13 cases designed to pay only attorney fees through the plan. Other courts don t automatically prohibit fee-only Chapter 13 bankruptcies but consider any special circumstances surrounding the case before making a decision.

Get debt relief now.


Posted In: NEWS

Tags: , , ,

Leave a Comment