Filing a personal bankruptcy petition should be a debtor’s last resort. Not only is doing so complicated, time-consuming, and for some, emotionally trying, it will wreck your credit rating for many years to come. It could even show up on a background check conducted by a prospective employer. Negotiate a Settlement It’s possible to negotiate a settlement on mortgage and auto loans, but because these are loans secured by the value of the home or car you purchased, the creditor can simply repossess the asset to recoup its costs. The lender might not want to… Read Article →

House Cleaning Can Be Difficult: Why Not Hire A Maid? Cleaning up is everyone’s least favorite job, but it’s simply got to be done. If you’ve ever had a house party or an event planned in your home, you know what the scramble is like when you’re trying to clean every nook and cranny before your guests arrive. The annoyance and time consumption of cleaning are enough to make a lot of people wonder why they don’t hire a maid. If you’re still on the fence about possibly hiring a maid to do some routine… Read Article →

Situated on the equator between Columbia and Peru, Ecuador is home to stunning historic cities, ancient ruins, beautiful and incredibly varied landscapes, and an impressive amount of flora and fauna. If you’re looking for an exotic and versatile destination for your next vacation, then I highly recommend Ecuador, as few other countries can offer so much in such a small area. Here you’ll find a startling amount of diverse landscapes, such as the low-lying amazon rainforest, Andean Mountains, sandy beaches, and of course the wildlife-rich Galapagos Islands. If you have an interest in history, art,… Read Article →

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