In this article I will discuss making money online, Forex trading, and software related to Forex trading. Both good and bad. As well as cover some other things. Though there are a lot of systems out there, more importantly scams, there's not quite as many as there are online get rich quick schemes and ponzi schemes in general. There are still hundreds if not thousands of scams that directly relate to Forex Currency Trading. These scams come in various forms but often get the record set straight on them quickly, however a few others somehow escape the negative publicity and go for years and hit unsuspecting profit seekers where it hurts the most daily. The problem with Forex is that so much seems too good to be true, and a lot of stuff is, but it's also true that many people have made millions and some aren't really all that smart at it. You can profit from the right robot. The first thing I would like to discuss is the topic of sales pages, that common pitch page that a lot of products use and you often think it's gone too far or it must be a scam just by looking at it. But when you think real hard about it, over half the time this is not actually the case... These sales pages are so long and packed with information since they are commonly advertised on the web and it is more or less business strategy, as opposed to anything reflecting the product. Certain vendors force you to use pitch pages, they need a specific landing page and it makes things much easier for sales transactions. So rather than guide you through a structured web site with more details through various sections; they often use this pitch page and they generally pack it with information and a ton of hard selling. This has proven to be the trend and it's gotten harder and harder for some EAs to market their software without these types of pitch pages. It is often the case with digital products and or/stuff you can order online. When it comes to these make-money-online and Forex sites they often have a lot of flash to them and obviously many things to draw customers in. In reality it's not much different from any other form of advertising, most certainly not the likes of gambling, and so forth. They need to have some sort of appeal and be competitive. My conclusion is that even if it looks like it could be a scam, do your homework anyway and it may not be. It just depends. Some things are signs, but in my opinion web design and hard selling are not direct signs of a scam. Though in the Forex Market something to hope for would be charts and proof. With regards to the surveys and other things, it amounts to filling out spam for pennies pretty much, data entry is the same and much more annoying than even the most desperate realize. It also makes you look bad if you tell your friends. You still have to spend time to make any real money, not prizes, and some also require a credit card number on file, and they text you and stuff too. Let's be honest, it sucks. It's bottom of the barrel work that just isn't worth it. It's for the ultra-lazy. The kind of human being who for example might get scammed by a Forex system. Not a serious adult who is looking to profit from investment and extend their savings, along with make more money in general. I once tried a clicking service just to see if I actually could make money, on the popular moneytec forum it was this highly suggested thing by a bunch of lazy work at home users, but I bought into it at the time, and, no joke I signed up and they told me it would be easy and they would make it easy to visit 1000 sites or whatever they have you visit for 15 cents. So I clicked a link and it just starting loading every 2 seconds, it was awfully slow, I waited 15 minutes and that was only like 25 sites, i got a virus after, and i closed it fast. I abandoned the 15 cents for it and thought instantly that these poor souls who do this are a whole helluva lot more desperate than I am. I do not belong in these sort of slums of the internet. This is the first time I have ever written about it. Besides that several years ago before I started trading Forex I also wrote a few surveys and never got paid once. I have marketed online to some success but mainly my success has been through Forex Trading. That's why I don't need to work a real job and can sit around doing stuff like this all day. Publishing is very important to me. Once something you write online get's indexed by a major search engine like Google, chances are that it will be there for a very long time. I find that important anyway... There are other ways you can make money online without Forex Trading, though sadly it is often bottom of the barrel work; boring data entry, filling out surveys for pennies, to name a couple of the more common ones. If you're into making web sites you may also advertise on one of your sites or a network of sites, and for that you need fresh content and you need to get traffic, which is way harder than one might think. You can sell products virtually as an affiliate, though you need to find your niche and work very hard at it, it becomes a time consuming job for some people and no matter what you're likely to going to need to invest in something no matter what you do. Whether it's Forex, Web Design, Advertising or whatever it is or a combination of things, most importantly it takes time and ability to adapt your passion. Though you still have much more freedom, affiliate marketing online is very crowded and has been for years. You can also use a revenue-share article and/or video submission service in hopes of being one of the few who can actually earn a living at it. Though that is not for everybody. If you've got four young children and only have an extra hour or two a day to pull in some extra income you most likely don't have time to play a Martha Stewart like figure. Most people don't. Forex Trading on the other hand is more convenient in the sense that it is an extremely profitable investment opportunity given the right expert adviser, to advise your trade and supply your signals, generally to guide you. That is option one. You need a broker. It's way easier than you think and in the Forex industry not as big of a word as you might think, easy to get and you don't gotta meet them in person or anything. It's an online thing. There are many options to trade Forex, one of the most common would be the use of automated Forex platforms and Forex robots, all automated Forex trading in general. There is nothing wrong with it. This is where expert advisers come in, EAs for short. These are the Forex experts as I mentioned above who supply your trades and information to you. They pretty much tell you what to do. Some are much better than others. Some are not out to supply signals at all and simply selling their software to make profit from that end. Proper automated Forex software oftens runs on the metatrader 4 Forex trading platform, or at least the more popular ones do. Your EA software is like plug-in software for it. I'd actually be wrong to say all EAs use it, but many of the ones I have experience with use the Metatrader 4 Platform and I prefer it. The other way to trade Forex is to study the market, find all the relevant information you need, take a very long time of a few months to several years to learn something, only to have it blow up as you were still too inexperienced to do something with your strategy when the market changed. Strategy is a very important element of online Forex trading but not just having a strategy, it's about having enough strategies and being able to adapt properly with the market. This is why a lot of people fail without popular EAs, because the EA is usually a well experienced trader and your common trader can't provide himself with signals even half as good and a lot less consistently. The well known EAs are usually like 15 year traders and so forth who studied the market like a school subject and make extra money on the side by selling there signals too you, or software which grants them. A lot of Forex EAs today simply don't have that sort strategy or ability to adapt with the market... Thus not making them scams, but just not prepared for the long haul in general. I have a lot of experience with failed systems and systems that worked for just a little while. I have others that work to this day but I am always seeking new ones. I can review several including one I use now however that has already been done a few times over. If you're looking for the cross between really learning Forex and just really having to learn complicated signals and software I'd suggest Forex Fap Turbo. The downside of this is you often need to buy extra stuff to learn it and some of it is useless. All of this for pretty decent software but it takes way more time and skill and not something I was happy with. I requested and received my refund for the software and some other software related to it, as it was just not for me and the only people i heard reviewing and bragging about it were a lot more educated before they tried it than I was. I wasn't ready then, am not ready now. Though it's a well reviewed Forex system and not a scam, I'd provide a link to a review but there is too many of the same, several are mere Forex advertisements so that's not a lot of help. It also brings up a lot of the Fap Turbo related software that isn't even the direct software and you gotta buy it separately. So it's a lot of hassle even more than some typical investments that aren't related to Forex. I have also tried auto money and several other Forex robots and automated Forex platforms. I have found that many of these automated Forex systems are a dime a dozen and send you through far too many loops to get the desired results. If they don't eat your entire investment... Some systems don't have stops and you have to do too much manually, others are slow, and sometimes the EA is simply just not your sort of teacher and you get lost sometimes...Some EAs will simply sniff you out and then screw you over in the end. This is why it's important to watch for signs of proof either by service trial or physical proof before making your purchase of expensive Forex software. I have also used Forex Assassin, the eToro Forex trading platform and Forex Harvester but nothing really significant has come up from any of those systems for me. Some Forex marketers, EAs and employees in general and so forth are so vicious that they monitor new "Forex" related domain registrations and somehow get your email address and solicit you... So you have to be aware that in the Forex market as far as Forex expert advisers go, there is a lot of them competing to get your money. You are merely seeking the ones who are also looking to have a solid reputation and actually provide you with profitable trades, your EAs #1 objective should be successfully trading Forex and not selling their software. This is another thing that makes the simple "pitch page" easy for EAs with very little maintenance, on that end of things. The software should be and often is a side venture for Forex experts who can actually profit from their knowledge of the market and have the means to market themselves... Can anybody create automated software and sell it? Probably not, I think it's a bit of a stretch but then again it depends if you even get software, or whatever, most systems that are fully developed and have good features but don't work - were more than likely meant to work at some point. I have read up on quite a few of the most popular Forex review sites like Forex Peace Army and many other well known ones, and to me they all pretty much point towards the same complicated software and their voters are already experts investing 10s of thousands already and they barely feel some of their losses. They switch around a lot; nothing turns out to be solid in the end. The reviews on sites like that most likely got started through advertising. Too many people get to review their own systems on Forex sites like that, etc. You never know who the reviewer is. Searching for automated Forex software reviews is almost impossible nowadays since they all say pretty much the same thing and are mostly positive... I have read up on many "free Forex signal" reports on the web and I also participate actively on various Forex forums and other Forex related sites. I often find with these particular free Forex signals at least my impression is that you get somebody looking to be a mentor of some sort for you, they are usually shady and turn out to be lacking when you need them the most. These guys are usually empty handed. They are trying to freelance or whatever so that they can supply systems and build a name for themselves, but the problem is that these are the guys who after so many followers do create a commercial system and then ultimately end up failing, their the failed EA newbies to some extent and you want an EA who is an accomplished Forex expert. One should consider it much better and safer to use an established system that is known to work, and not the work of an aspiring EA, or even worse, somebody who doesn't have those credentials at all and are just trying to stuff their ego. I have not enjoyed the free Forex signals and find it more like looting through them then finding anything really that productive, not much is there or else all Forex signals would have to be free and would be for everybody, all the best Forex signals would be free. At least that is my concept. I don't want a rookie EA telling me what to do, since the trend in the Forex market nowadays is most definitely for more popular and well established EAs to sell systems, mostly automated software. That is one thing I don't understand, who these people are that clog up the forums with nonsense and think they can compete in the market with actual successful Forex EAs who really know how to trade. How much you want to trade really depends on you. If you're a Forex starter you need to have a good EA for starters, and while I can't hand pick one for you, I can provide at least one review since I have spent time on the subject, in this article off-site to an excellent EA which i have tried and complies with several of my standards. I feel it is an excellent resource for people like me at least who gets lost on the big stuff. There are many fish in the sea. CLICK HERE TO LEARN MORE :- https://href.li/?https://www.digistore24.com/redir/362335/Hsuccess1/ #forex, #foreshadowing, #forex trading, #forexsignals, #forexnews, #forexmarket, #forexmoney, #howtomakemoneywithforex
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With the improvement of living standards, people are increasingly exploring sex. While sex dolls continue to develop, the first sex doll brothel appeared in 2017. As the name suggests, these are sex doll brothels rather than human brothels.
The sex doll brothel provides various types of life-size realistic sex dolls. You can choose dolls for sex, companionship, eating, chatting, etc. Each room has music, candlelight and pornographic movies for guests to watch. The sex doll brothel will also provide free condoms, lubricants and other supplies. The lifelike dolls in the brothel ensure the same experience as women.
In this article, we will introduce the sex doll brothel in detail from the following aspects.
History and Development of Sex Doll Brothel:First, let us start with the emergence of sex dolls to understand the history and development of sex doll brothels. The use of sex dolls started in the sixteenth century. At that time, Spanish and French sailors had to face isolation during long voyages. They started to use hand-sewn puppets for masturbation made of leather and cloths. Hence, they are the direct predecessor to present sex dolls. → In 1968, pornographic magazines started to advertise sex dolls. However, inflatable material of sex dolls was not suitable for long use. By the 1770s, companies started to use silicone material in the manufacturing of sex dolls to give them a resemblance to humans. → In 1997, sex dolls manufacturers introduced sex dolls with tin-cure silicon mannequins. By 2009, companies started to use platinum material to enhance the durability of sex dolls and make them more lifelike. → The concept of sex dolls brothels is not old since these introduced in 2017. Later on, it was accepted in different states from Russia to Canada. Now, these are available in the market with drastically improved material to ensure human-like sexual experience. It is the right time for sex dolls brothels to start making good money by ordering some models online. → In 2017, the first sex dolls brothel opened in Spain. Following its success, new brothels opened in Italy, Japan and Russia. Moreover, these are going to open few new branches in UK, USA, and Canada. → After 2017, many sex doll brothels have appeared around the world, most of which are located in Europe. Up to now, some sex doll brothels are still open, and some of them have suspended their services due to public protests. For security and privacy reasons, most sex doll brothels will not disclose their detailed addresses, you can get the address information by contacting them. Among them, Lumidolls, Xdoll, and The Dolly Parlour are 3 representative sex doll brothels. Name: Lumidolls brothel Location: Barcelona Lumidolls established the world’s first sex doll brothel in Barcelona in 2017. In addition, Lumidolls has established sex doll brothels in Moscow, Turin and Nagoya. 100% legal, absolutely confidential, using only the best silicone and TPE are their three promises.
Name: Xdoll Location: Paris Xdoll is the first doll brothel in France. The price for one hour is 89 euros, and the price for two hours is 149 euros. If you are a couple, the price for one hour is 149 Euros. In addition, you can also choose to use sex dolls at home or elsewhere, and the price starts at 250 euros. Please note that payment is made by cash or credit card on the day of the reservation.
Name: The Dolly Parlour Location: Greenwich The Dolly Parlour opened in Greenwich, UK in 2018. According to reports, this is also the first sex doll brothel in the UK. Customers can make reservations through the contact form on their website.
Why Are Sex Doll Brothels Popular?After the opening of sex doll brothels, the number of bookings has greatly exceeded expectations. So why are sex doll brothels popular? It is undeniable that some people are out of curiosity. In addition, it is because these prostitutes enable shy people to try sexual fantasies, and the people who like them most are those who do not want to have sex with real men or women. At some stage of life, people have fewer tendencies to build sexual relationships with real humans. Sex dolls keep them away from cold-hearted people and fulfill their needs under the roof of brothels. Many people cannot develop sexual relationships with other people due to cultural and language differences. Sex dolls brothels are offering them synthetic partners at lower costs. People who have sex with these dolls cannot consider going back to human prostitutes. Sex dolls brothels are an alternative for timid, repressed, and law-abiding people to seek out their sexual fantasies. These are not less than a blessing for the people who have social skills deficits. According to research on the sex dolls brothels, most clients visit there who feel difficulty establishing sexual relationships with other people. Therefore, they remain in search of alternative forms to fulfill their sexual desires without involving other people. Sex dolls are also an option for people who have unsatisfying sexual relationships with their partners. Sex dolls brothels are like a heaven for the people who feel no attraction in their spouse. They love to start a new romance with a silicone doll rather than developing sexual relationships with other humans. How to use sex doll brothels?The use of sex doll brothels is not complicated. There are subtle differences between different sex doll brothels, but the basic process is the same. First, make a reservation according to your needs on the official website of the sex doll brothel. → After the booking is successful, you will receive an email containing your request. → After confirming that the information is correct, you will receive the detailed address of the sex doll brothel and your booking details. → Arrive at the sex doll brothel before your appointment time, the staff will first confirm your appointment information with you. → You will then be taken to a bedroom to meet the sex doll of your choice. Before use, the waiter has thoroughly cleaned and disinfected the doll. You will find condoms and lubricants in the room. You can watch some pornographic movies with the sex doll, or you can have sex with her immediately. → Please enjoy the rest of the time.
Benefits of Sex Doll Brothels:Indeed, sex dolls built to make the people feel they are touching and interacting with a real person. Sex dolls brothels are a revolutionary idea for the societies who want to minimize sexual exploitation and prostitution. These brothels can tackle the prostitution business, both legal and illegal, by reducing sex workers’ demand. Such brothels are becoming more and more popular due to the following advantages: 1. Sex with Dolls is Safe:Whenever a customer leaves the room, the doll is properly cleaned-up before starting the next session. Employees at sex dolls brothels take an hour to clean and prepare the doll for ensuring safe sexual pleasure. They put the doll underneath a shower and wash it with warm water and soap. Moreover, orifices of sex dolls are blasted with a pressure cleaner equipped with a germ-killing lamp. All of this cleaning process ensures that the next customer will experience safe sex.
There is no risk of any sexually transmitted diseases like living sex workers. Sex dolls brothels ensure people can enjoy whatever sex position they desire on these lifeless objects. 2. Legal Sex:Sex dolls brothels are legal sourceS of sex for adults who do not want to break the law. Adults have more sexual desire, but the law does not allow them to express their desires openly. They can fulfill their sexual fantasies at a cheaper rate. Sex dolls can give them same-sex experience as a living sex worker. These intimate objects at brothels can help them fulfilling all of their sexual fantasies. 3. Sex Dolls Brothels Less Expensive:Sex dolls brothels have joined the market by a few years. Most of them do not offer sex at higher prices. Therefore, most of the people consider going there an amazing experience. Sex with dolls is less expensive as compare to real humans. People can have sexual pleasure with their favorite toy from $100 to $150. During this session, patrons can watch porn, shower, and do sex in their ideal positions. 4. Sex with Absolute Privacy:The sex doll brothel ensures your absolute privacy. The sex doll brothel will provide a private environment where people will not have to look for hiding places to keep them away from spouses and family members. 5. Sex without Committing Infidelity:Moreover, sex dolls at brothels can save the people from committing infidelity, especially if they are in a monogamous relationship. It will be hard to characterize all sex doll lovers, so they should be considered the same as other people who buy sex and hire prostitutes. 6. Sex Dolls as Romantic Partners:Sex dolls make people worry, and sexual frustration melts away without destroying their married life. People adore them because they do not want to cheat their wives. Moreover, they found sex dolls more romantic since the pillow talk is one way, and they do not hear arguments. 7. No Annoying Dilemma:Sex doll brothels are legal in countries where human prostitution is illegal. Such brothels are opening up from Canada to Russia. These are reforming the world’s oldest profession trends. Dolls are not real humans, so most of the civilized societies have no concern regarding sexual explorations. Therefore, sex dolls brothel owners and clients do not face a few of prostitution’s annoying dilemmas. 8. No Risk of Baby:At sex dolls brothels, people say that they get the partner for sexual pleasure that cannot give birth. These synthetic partners can help the countries in reducing their population. However, it does not mean that people will not marry, and other traditional values will quit from life.
Disadvantages of Sex Dolls Brothels:Although sex dolls can mitigate human suffering but still there are some disadvantages to their use. Given below are some of the most dominant disadvantages that must be kept in mind before making a relationship with sex dolls.
But as long as you are not overly addicted, or your family rejects it very much, this usually does not happen. Comparison of Sex Doll Brothels and Buying a Sex Doll:After reading the above content, I believe you have a better understanding of sex doll brothels. Some friends may be entangled, so is it better to go to the sex doll brothel? Or is it better to buy sex dolls yourself? We have made a simple comparison from the existing circumstances , the choice of sex doll types, costs, usage time and privacy, and you can choose according to your actual needs.
Sex Doll Brothels Existing Circumstances: Some countries are opening up sex doll brothels, which will encourage other countries to legalize them as soon as possible. Some people support the opening of such brothels in their area, but at the same time some people are opposed to it. Therefore, it cannot be opened smoothly in most countries, and only a few countries have sex doll brothels.
Click here to see if there are sex doll brothels in your country. Choice Of Sex Doll Types: sex doll brothels usually provide 2-6 different sex dolls for customers to choose from. Cost: 100-300 USD/hour Use Time: You can choose to purchase and use by the hour according to your needs. Privacy: The sex doll brothel will definitely protect your privacy, but because it is the environment in which you live, it is difficult to be sure that there will be no leaks.
Buy sex dolls Existing Circumstances: Sex dolls are more and more popular among single men, couples, and couples, bringing them different sexual experiences. Except for banning sex dolls in some Arab countries, sex dolls are legal in 90% of the world. As long as you buy a sex doll, the sex doll supplier will secretly ship the sex doll to your home or designated location. Choice Of Sex Doll Types: There are usually dozens of categories and hundreds of products in sex doll shops for you to choose from. Cost: Depending on the material and size of the sex doll, it costs between 499-3000 US dollars.
Duration Of Use: every moment. Privacy: The sex doll manufacturer will deliver the goods confidentially and ensure that the outer packaging has no marks. You are the only person who knows what is in the box.
If you just want to try a different sex life experience, you can try patronizing sex doll brothels. But if you are a sex doll lover, you should buy sex dolls instead of repeatedly visiting these brothels, so that your expenses will be less and the experience will be better. After buying a sex doll, you can have sex with her at any time. You can place an order through the sex doll online store, and within a few days you will see your favorite sex doll at home.
The above is an introduction to the sex doll brothel. If you have any ideas, please leave us a message. Thank you for reading. It’s all about Y.O.U., Your Own Uniqueness, your Divine Design the seed of excellence only you can share and shine. Your Thrive Drive lies waiting to be engaged. Nature compels us all to move and grow through life. We cannot remain still however much we wish. Thus deep inside of us we each naturally want to develop and improve and to continue this development and evolve our cybernetic biomechanical machine throughout our life. Thought/feeling/vibration is constructive and that is where Magic Alchemy Manifestation comes in. The mind is the creative force and it is the use of the mind that overcomes your environmental circumstances and every other obstacle. In Magic Alchemy Manifestation mind is the only creator there is. 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Debt other than mortgage arrears, such as credit cards, is also cured under the Chapter 13 plan, often without interest and often according to a reduced pro rata percentage of principal.
Initiating a Chapter 13 Case and the “Automatic Stay” – Because under a Chapter 13 case, monthly payments under a plan are intended to cure and reorganize all of the client’s debts, a client’s income and expenses must be carefully calculated for a monthly budget that must allow for payments to satisfy the monthly amount required under the Chapter 13 plan. Documentation for such income in terms of pay stubs, bank statements, and affidavits of contribution need to be obtained to demonstrate that the client can potentially sustain the payments required in the case. If the case is not the client’s first Chapter 13 bankruptcy case, the client may need to file an affidavit of changed circumstances and potentially file a motion to extend the stay past the initial 30 days of the case. The plan must account for the curing of a client’s mortgage arrears, car loan arrears, credit cards, taxes and student loans over a five (5) year plan that is binding on the client’s creditors. The filing of a Chapter 13 case will instantly cause an “automatic stay” to go into effect which will stop all creditor activity including imminent foreclosure sales or repossessions. However, while the Chapter 13 case allows a 5 year or 60 month period of time to catch-up on pre-petition mortgage arrears under a “traditional” plan (see below), the debtor is required to remain current with post-petition payments for secured debt such as mortgages and car loans. A secured creditor not getting regular post-petition payments, such as mortgage payments or car loan payments, can move for relief from the automatic stay, which in a Chapter 13 case would usually be contested, with the debtor seeking to quickly cure the post-petition amount in arrears. The “Traditional” or “Catch-up” Chapter 13 Plan The “traditional” or “catch-up” chapter 13 plan that has been available since the enactment of the modern Bankruptcy Code in 1978 is a plan where the client will on a monthly basis go back to making post-petition mortgage payments and, in addition, the client will make Chapter 13 plan payments on pre-petition mortgager arrears and debt to a court-appointed trustee. The combination of such payments will allow the client not to fall further behind in mortgage arrears while at the same time catching up and curing the pre-petition arrears that existed before the filing of the case. A budget, a Chapter 13 plan and bankruptcy schedules, as well as significant other documentation, need to be submitted to the Chapter 13 trustee and Bankruptcy Court as part of the process necessary to confirm the Chapter 13 plan. While secured debt, such as mortgage arrears, and priority debt, such as taxes, need to be paid in full over the plan, unsecured credit card debt could be paid at a percentage on the dollar. Plans that pay unsecured creditors in full, do not necessarily have to offer interest, and are more easily confirmed as “100% plans”, while plans that do not pay unsecured creditors in full are considered to be “percentage plans” and are usually more difficult to confirm. Loss Mitigation in a Chapter 13 Case In a Chapter 13 cases, often the debt that requires reorganization is a mortgage that is in arrears. One way of dealing with mortgage arrears is to offer a plan where the debtor will “catch up” or cure mortgage arrears under a traditional five (5) year plan. However, now that many foreclosures are based on arrears of many years, and therefore the arrears are very high, a “catch up” plan would not always work, since in some cases it would be too expensive on a monthly basis for many debtors to pay both the post-petition monthly mortgage payment directly to the Lender and a separate “catch-up” payment, designed to cure all debts and secured debt arrears, to a Chapter 13 Trustee. Therefore, in recent years seeking a mortgage loan modification, through Loss Mitigation programs adopted by most Bankruptcy Courts and Judges, has become a standard way to proceed for individual debtors in Chapter 13. Loss Mitigation is the pursuit of a mortgage modification by the debtor overseen and encouraged by the Bankruptcy Court so that the Court is able to pressure both the debtor’s and lender’s attorneys to coordinate over documents and information in order to determine if the debtor qualifies and should get a modification of their mortgage. The sequence, in terms of seeking Loss Mitigation, is that the debtor in the initial part of the Chapter 13 case makes a motion in front of the Bankruptcy Court for Loss Mitigation where it tries to show that it has the financial ability to sustain a potential modification of the the defaulted mortgage loan, if a hypothetical modification was offered. The Lender’s attorneys have the right to oppose that motion and to try to show that the debtor would not be able to sustain a modification economically or that the Lender has otherwise already decided to deny the debtor for other factors. Assuming that the motion for Loss Mitigation is granted, the debtor and the lenders attorney’s are required to attend regular Loss Mitigation conferences to determine if the the efforts to obtain a modification are still viable. During this time, while applying for Loss Mitigation, the Chapter 13 debtor pays the hypothetical modification payment under the Chapter 13 plan to the Chapter 13 trustee to demonstrate an ability to pay the monthly estimated amount if the modification was approved. If the the Loss Mitigation efforts are still viable, and have hope of a modification agreement being ultimately realized, the Bankruptcy Court will keep adjourning the Loss Mitigation conferences. But if the Loss Mitigation efforts look like they are failing, and if reapplication or appeal options on the modification are not realistic, the Bankruptcy Court will end Loss Mitigation and eventually ask the Chapter 13 Trustee overseeing the case to move for dismissal of the Chapter 13 case. On the other hand, if the opposite happens and the Loss Mitigation efforts result in a trial modification that the debtor accepts and pays regularly directly to the Lender, from anywhere from three (3) months to a year, the Lender will eventually offer the debtor a permanent modification agreement. Assuming the debtor wishes to accept the permanent modification agreement, it is subject to Bankruptcy Court approval, after a motion to the Court. Once the permanent modification agreement is approved by the Court, the loan modification may be part of an overall Chapter 13 Plan under which the debtor can now seek to reorganize all of their debts and needs to be confirmed by the Court. Although the confirmed Chapter 13 plan only lasts five (5) years, and mortgage modifications are usually from thirty (30) to forty (40) years in duration, the modification will continue past the five (5) year Chapter 13 plan, with the majority of the modification continuing past the end of the Chapter 13 plan. A “Traditional”/ “Catch-up” Chapter 13 Plan Compared to a “Loss Mitigation” Chapter 13 Plan In addition to the “traditional”/”catch-up” plan that has always been part of Chapter 13 practice, more recently Bankruptcy Courts through local bankruptcy court rules and specific bankruptcy judge’s rules have allowed “loss mitigation” Chapter 13 plans where the debtor is seeking to modify their mortgage. These “loss mitigation” plans became necessary because many Chapter 13 filers had mortgage arrears that accumulated over many years and were now too high to be practically cured over a 5 year plan. A much longer, 40 year modification, was necessary to save such a distressed mortgages and a “loss mitigation” Chapter 13 plan which allowed for the debtor to resolve their mortgage arrears by seeking a mortgage loan modification became a new practice that most bankruptcy courts would now allow. The differences between the “traditional” plan and the “loss mitigation” plan are stark in that the traditional plan is more expensive but generally safer in that it requires two (2) payments: the catch-up payment to the trustee, which cures mortgage arrears and debts over a maximum of 5 years or 60 months and the regular monthly post-petition mortgage payment to the lender. The combination of the two payments if made over the 5 year life of the plan is more expensive in a traditional plan but also gives the debtor more assurance of being able to resolve their mortgage issues, since the success of such a plan depends on payments and not approval of a modification. By contrast, the “loss mitigation” plan is less expensive in terms of regular payments but also not “guaranteed” in that it depends on the lender approving the debtor’s modification application. During a loss mitigation case the debtor’s attorney has to first make a “loss mitigation” motion which is served on the lender and trustee and heard by the court, to first determine if the debtor should be given the opportunity, based on their finances, to seek a modification. The debtor needs to make one (1) monthly payment in a loss mitigation plan which is calculated to approximate the ultimate payment that a 40 year loan modification would require after amortizing the payoff amount owed to the lender over a new 40 year amortization loan schedule at the low prevailing floor interest rate for modifications. The debtor’s counsel needs to attend regular status conferences on the loss mitigation effort where the court determines whether to allow continued modification efforts or whether to terminate such efforts if they appear to be futile. The advantage of the loss mitigation hearings before the bankruptcy court is that the lender usually is more amenable to a modification given that it needs to justify its decisions to a bankruptcy judge and is therefore is generally more responsive to the modification effort. A Chapter 13 Case Compared to a Chapter 7 Case – A Chapter 13 does not usually expose the debtor to the same risks, in terms of potential asset or income issues, as a Chapter 7 case. A Chapter 13 requires some level of repayment or cure over a 5 year plan, while Chapter 7 simply eliminates the debt, Chapter 7 is not available to many debtors. If a debtor potentially has income that exceeds the means test, or assets or transfers that may be potentially be pursued by a Chapter 7 trustee, the client may often need to or prefer to file under Chapter 13. While a Chapter 13 case, if successful, Chapter 13 usually lasts 5 years; a Chapter 7 case is quicker (it takes 3 1/2 months to complete most cases), but Chapter 7 case has more risks in terms of eligibility and potential problems. Chapter 13’s main risk is whether the debtor can sustain the plan payments in order to pay their debt in 5 years. A “Traditional” Chapter 13 Case Compared to a Mortgage Modification Negotiation A mortgage modification negotiation seeks to lower a client’s monthly payment, restructure the mortgage, and spread mortgage arrears over the term of a restructured, longer mortgage loan, with advantageous terms: a longer term (often up to 40 years) and a lower interest and a possible deferment of some arrears. While a modification seeks goals, that if obtained exceed the goals in a “traditional” Chapter 13 case, modifications are not always obtainable because they are voluntary. Some lenders are difficult to negotiate with and some repeatedly deny a homeowner a modification or take a positions that make it much more difficult to engage in modification negotiations. By contrast the 5 year “traditional” Chapter 13 plan is imposed on the lender, who has no choice with accepting regular post-petition mortgage payments, as long as the debtor continues to stay current in Chapter 13 by paying both the lender, with post-petition mortgage payments, and the Chapter 13 trustee, with monthly payments due under the Chapter 13 plan that are calculated to cure all arrears over the 60 month plan. A “Loss Mitigation” Chapter 13 Case Compared to a Mortgage Modification Negotiation A “loss mitigation” chapter 13 plan is similar to a mortgage modification negotiation in that both seek a modification, but the “loss mitigation” chapter 13 plan does it inside a chapter 13 case, where there are some advantages and disadvantages for the debtor. The advantages in a Chapter 13 “loss mitigation” case is the protection of the bankruptcy stay, “loss mitigation” hearings, the oversight by the bankruptcy court and the opportunity by the debtor to demonstrate its ability to sustain a modification with its regular monthly trustee payments. These advantages add formality, process, verification, safety and supervision to the modification process which can be helpful in advanced foreclosure matters on the edge of a foreclosure sale where the debtor has tried and failed to get a modification. However, in simpler or less risky situations, where the foreclosure case is not so advanced, and where direct modification negotiations appear to be feasible and sustainable, the direct modification negotiation effort without the super-structure of a Chapter 13 case with its additional administrative requirements and payment requirements, can be preferable. Repeat Chapter 13’s If you have had two (2) or more chapter 13 cases pending before the Bankruptcy Court in the last year a Chapter 13 case may not be able to stay a foreclosure sale against your property. To obtain a stay in such situation (of two or more pending bankruptcies in the last year) you will need to retain a bankruptcy attorney to quickly move by Emergency Order to Show Cause in front of the Bankruptcy Court and demonstrate strong financial “changes in circumstances” that positively affect your chances of success in another Chapter 13 case. However, if you have had only one (1) chapter 13 case pending within the last year or a chapter 7 case pending within the last year, it is possible to file another chapter 13 case, as long as you have a verifiable “change in circumstances” or an increase in income necessary to sustain the case. Where the one (1) previous case was a chapter 13 case, a motion, proving the change in circumstances, is necessary to be made and granted within 30 days after the bankruptcy filing to extend the stay. “Cram down” Motions to Reduce Second Mortgages Secondary loan “cram downs” (or “strip downs”) are a possibility in Chapter 13. If you have a secondary mortgage or home equity loan which is totally unsecured, in a Chapter 13 case it can be deemed to be an unsecured debt and paid at a vastly reduced amount. To accomplish this we need to file a motion in the Chapter 13 case and show the Court the complete lack of equity in the property to support the secondary mortgage. Assuming the motion is granted, the client needs to stay in Chapter 13 for the full duration of the plan for this form of relief to have permanent effect. If you believe you quality for such a motion and believe that you can stay long term in your Chapter 13 case until its completion, than a secondary loan cram down is potentially a powerful method of reorganization and should be discussed with us. Objections to Claims Amounts listed in a Chapter 13 plan need to be based on the proofs of claim filed by the debtor’s creditors. To the extent that a creditor files a proof of claim that significantly exceeds the amount scheduled by the debtor, and the debtor disagrees with such amount and has proof that such amount is incorrect, an objection to the claim can be filed, which if successful would reduce or completely expunge the claim. Student Loans in Chapter 13 Because a Chapter 13 plan can potentially allow a client to pay only a relatively small percentage of their unsecured debt, student loans which are not dischargeable in bankruptcy, can at least have relief in the form of a reduced payment for the 5 years of the plan. Although this debt, unlike virtually all other debts, would still be owed in terms of the portion of the debt that was not paid under the 5 year plan, the client if they can not negotiate a better deal, can refile another Chapter 13 case after concluding the initial case. Thus, a client, through successive Chapter 13 cases, may potentially obtain a long term ability to stretch out and slowly pay down an overwhelmingly large student loan. How Has Covid-19 Affected Chapter 13 Law and Practice? The Coronavirus Aid, Relief and Economic Security (“CARES”) Act which was passed in by the United States Congress in the early part of the 2020 Coronavirus pandemic and signed into law by the President, on March 27, 2020, included not only emergency assistance to families and businesses affected by the pandemic but also some substantive changes to the Bankruptcy Laws, as follows: CHAPTER 13 and COVID-19 – The Cares Act has allowed a confirmed chapter 13 plan can be extended by up to 2 years based on Covid-19 related hardships. Effectively the extension of a chapter 13 plan from 5years (60 months) to up to 7 years (84 months) allows a debtor’s payments to be effectively lowered on a monthly basis and greater flexibility during periods of Increased financial hardship for the debtor. Concluding a Chapter 13 Case and the Bankruptcy “Discharge” At the end of the Chapter 13 plan which is usually five (5) years or sixty months (60) in duration, but can be paid earlier, the client’s debt is usually “discharged” or legally forgiven. Prior to the issuance of the discharge order the Chapter 13 trustee needs to acknowledge that the debt was paid in full pursuant to the terms of the plan and that all recognized claims in the case were paid. The client needs to do the 2nd round of credit counseling, which needs to be filed prior to obtaining a discharge order. Most Chapter 13 cases are highly effective in giving clients an opportunity to reorganize and reduce debt over a protracted time while being protected from their creditors. The Potential Benefits of Chapter 13 and the Role of Our Law Office The Law Office of Ronald D. Weiss, P.C. regularly represents its clients before the United States Bankruptcy Court in Chapter 13 cases, including in the filing and amending of numerous documents and the plan needed to proceed in Chapter 13. The Law Office of Ronald D. Weiss, P.C. represents Chapter 13 bankruptcy clients in the Eastern District of New York (which has jurisdiction over Suffolk County, Nassau County, Queens County, Brooklyn, and Staten Island, NY) and in the Southern District of New York (which has jurisdiction over Manhattan, Bronx and Westchester County, NY). Chapter 13 cases, like other types of bankruptcy cases can effectively help a client deal with its debt, however, a Chapter 13 case can be complex, and to effectively proceed in a Chapter 13 case an individual should be represented by an experienced bankruptcy attorney. The Law Office of Ronald D. Weiss, P.C. can discuss and advise you about Chapter 13 bankruptcy and how and whether it can help your particular circumstances.
Article Source :- https://www.ny-bankruptcy.com/services/bankruptcy-solutions/bankruptcy-chapter-13/ On the occasion of Safer Internet Day 2021, TECHx spoke with Pixcom CEO, Shihas Kizhisseri. During the interview, Shihas highlighted how IoT adoption is posing cybersecurity challenges for businesses. TECHx: In the context of safer internet day, what are the internet-based threats most important for businesses to be aware of in 2021? Shihas: Most companies and organizations have begun digitalization and increased use of IoT for day-to-day IT operations, manufacturing, testing, working modes, performance evaluations etc. Due to this, disruption in digitalization, cyber security threats pose big challenges for businesses. Here are some key cyber threat challenges expected in the coming months and maybe even years: AI in IoT / Digitalization Threat AI (Artificial Intelligence) based technology is used for most social engineering attacks (simulating human chat) and for DDoS attacks. By the time, more accurate algorithms will get better at mimicking normal users on a network to foil detection systems looking for odd behaviors. IoT role in Home Automation based Threats, Disruption in Home automation using various IoT Technologies could be common from 2021, in IoT applications such as remote fire alarm detection, in-home patient monitoring systems, CCTV video surveillance etc, that are connected to the internet. It can also create fake alarms, interrupt internet availability by router vulnerabilities, maliciously control home appliances to cause harm to the family or homeowner. Cloud breaches Due to Covid, most businesses are moving to the cloud. There can be an increase in cloud breaches due to poor security practices in cloud-based configurations. OT based Ransomware Attacks IoT devices may be more protected than, say, traditional IT assets from ransomware attacks. On the other hand as IoT has moved into Industrial IoT which deals with OT systems, OT systems can be far more dangerous than those caused by traditional ransomware. TECHx: With the rise of social media, how can we nurture and increase public awareness on cybersecurity, so that people become more responsible when using technology and digital gadgets? Shihas: There is a need for people and organizations to increase their knowledge about cybersecurity and share the same with others too. If every organization conducts a standard awareness program for all employees, it will go a long way in educating the masses. With the increased use of digital gadgets, everyone is responsible for protecting their own assets, personal information, family, job-related assets. Besides, each organization is responsible for delivering cybersecurity awareness particularly related to digital gadgets when using them for either social media, study, remote work or meetings. It can be made through its dedicated security officers / IT, hiring a 3rd part security awareness providing company and can be given frequently in a year and create strict policies to follow. TECHx: On the occasion of Safer Internet Day 2021, give us some tips on how to stay safe on the internet in today’s remote working scenario? Shihas: First, be aware of the remote working policies of the company, make sure your internet connections are stable, make sure you are not shared or given full control to anyone to control your computer. Make sure you are not opening your company data or personnel information and share it on a desk, lock the computer access, do not download unless from a safe sender. Some simple pointers to stay safe are:
Source: https://pixcom.ae/cybersecurity-threats-pose-big-challenges-for-businesses-says-pixcom-ceo/ It takes a lot of sacrifices to become a trusted big man in any industry, especially in the field of Internet marketing, where there are thousands of people doing the same thing. This is the story of ItayVerchik. Since leaving his family to join the Israeli army at the age of 19, he has embarked on a roller coaster journey and served for three years between the ages of 18 and 21. We can totally agree that these three years have made him stronger and built up his spirit of tenacity and perseverance, because he moved forward from there and established some of the most successful companies in different regions of Israel and the United States. Before founding the company we currently know, Yitai was engaged in website construction and Internet marketing at the age of 22. You can now call it digital marketing. He ran the company when he was around 24, until he was around 20, and was able to serve as a product manager and a partner in an Israeli startup company. The company grew into a successful company and achieved its intended goals due to ItayVerchik's management influence. After cooperating with the company for many years, Itay continued to establish multiple businesses, projects and joint ventures, and achieved success a few years later. Some of these companies include WebZash, IVBS, Florida-based SEO MANUAL, etc. The success of these undertakings brought a new stage for Itay Verchik, even if he was a young Israeli millionaire, even during the Corona period. Managing his wealth, business and personal life was difficult at first, but this is not something he cannot solve. Since then, he has become a source of inspiration and motivation for many young people who want to make a living from life. ItayVerchik has been involved in the commercial field, involved in some of the boldest and most difficult businesses. It can be said that he never thought of running these companies when he was young, but he knew that he wanted to become great, to become greater, he must dare to sacrifice, and he did. Itay is now the creator of American startups-Florida to be precise. He hasn't stopped there yet. He is now a real estate enthusiast and investor, and is also engaged in leisure activities in stock trading and just out of love for leisure. ItayVerchik's success story is something that all of us can think of. He is still keen on further development, encouraging people to be the best, and vividly proving that when we decide we really want them to happen, the biggest thing can be achieved, regardless of our background or story. Although Itay has been involved in a lot of businesses, which may be different from what he just started, he has not given up on his digital marketing dreams. Since then, he has been working on multiple projects, trying to get people's websites to rank on search engines. The project he is currently working on is called SEO Manual LLC. If you are familiar with SEO or own a website/blog, you will know how important it is for your website or page to rank on the homepage of search engines. It takes a lot of work and knowledge to know the correct link to use, the perfect content, the number of words, the number of keywords and phrases, etc. The SEO manual completes all these tasks for you and reduces the burden. Imagine an SEO tool that tracks the work of competitors, keeps them at the top of the SERP (Search Engine Results Page), and helps you determine how to better follow the same guidelines to make your ranking higher Even higher. This is what ItayVerchik will send out in a short time. In the future, the SEO manual system will also be able to track all advertisements on social media and show users the most suitable advertisements and ideas for their use! The journey from a little soldier boy to a confident business tycoon is not only an inspiration, but also a reason to trust the people behind the wheel. He has tasted and tested multiple levels of success, and is transferring this mantra to new business owners. You can also benefit from his rich knowledge and experience. He is always willing to help. Today, when a person goes to a beauty salon or barber shop to do something, they will find that they have to sit on several salon styling chairs. These chairs can be raised and lowered and can be rotated so that the stylist can lift their heads to reach. The area they need. For some people, a chair can help the stylist pull the hair back. Today, Beauty Supply products come in many different types and styles. Most salons will be equipped with matching salons, and the chair in each salon is the same as the chair in the next salon. They will have foot bars that the designer can use to raise and lower the chair. Over the years, the design of the Salon Chair has changed only slightly. Today, they are more compact and smaller than the original structure, and most structures are only slightly inclined. In addition, they will have a certain ability to recline, but not as far as they were originally used in barber shops in the past. Nowadays, different chairs are used in each location of the store instead of moving individual chairs in order to adapt to the next process. When cleaning, the person first moves to the cleaning chair, and then returns to another chair to cut or shape. The Beauty Supply and salon chairproduct is designed to make customers feel comfortable, convenient for designers and efficient cleaning. It is important to consider that when you trim your hair, something will fall to the ground. The important thing is that after trimming, these locks can easily fall from the back to the floor to prevent debris from falling to the client or the back of the chair. It is important to understand that there is a difference between a barber chair and a Salon Chair. When they look similar when placed in the same way, the barber chair has considerable tilting ability to allow the customer to shave. Salon chairs usually do not tilt back because there are separate units for the cutting process and washing process. Today there are various types and colors of goods. Many salons use uniform colors at each workstation. In most cases, the chair will be a solid color with a silver base. Whether the base is round or whether there are actual legs will depend on the overall design of the chair. Most chain salons are the same everywhere. The use of salon modeling chairs can be traced back many years. Of course, for a period of time, the barber was both a local dentist, a doctor and a barber, and the barber was the first person to use this chair. Nowadays, people have more options to sit comfortably while finishing their hair. For more information about salon styling chairs, please visit to https://www.kingdombeauty.com/Salon-Furniture-Styling-Chair-Barber-Chair-s/108.htm get a variety of styling chairs and furniture suitable for your store. Cold weather are the correct time to bring a good deal of trendy clothing and also devices on an excellent discount price to look excellent. Regardless of if it is testing for you to deal or you wish to excite everyone with your design, you can go shop a massive variety of clothing and also devices for the winter season to increase your personality. In this post, we are most likely to examine the greatest wintertime design apparel as well as devices which you acquire to standout. Following are one of the most requiring winter style important to ensure sharp look without any regret. 1. Bust Pocket Shirts. A breast pocket t-shirt is one of the most elegant as well as also comfy apparel item to acquire this season for a stylish appearance. This wintertime try to invest in one of the most selling breast pocket t shirts that are composed of hefty textile to make sure exceptional individuality. By doing this you will not just tempt every passerby however additionally impress everybody with an outstanding males's storage room product. Bust pocket gives an easy yet advanced look. By purchasing a CUSTOM PATCHES bust pocket t shirt you can preserve your style easily in casual and also formal events. Don't fail to remember to use black outwear to complete your appearance in the winter months period. 2. Derby Shoes. The derby shoes can be found in numerous tones that are best for your wintertime period celebrations. It is just one of the ideal shoes that can think about for benefit in addition to sophisticated appearance in casual as well as official events. Nowadays you can discover and go shopping the latest variety of derby footwear online for winter. So make sure to invest in CUSTOM PATCHES derby footwear this winter online in a couple of taps. Otherwise you will miss out on a terrific opportunity to save a hefty amount on your preferred fashion forward shoes. 3. Beret. See to it to preserve your design from head to toe by protecting your head with a beret in the winter season events. From incredible seek to comfy feel, beret is the appropriate style item to purchase in the severe cold season. It will certainly not just make you comfortable in winter season however also differentiate your character. Do remember to include numerous tones beret cap in your wardrobe for a trendy and also decent look. By choosing a CUSTOM VELCRO PATCHES beret in this winter months you can course up your style video game with no kind of issue. 4. Smartwatches. Nobody can refute the significance of smartwatch in the contemporary period to raise style video game. Whether you intend to sign up with an organization conference or pal's birthday event, you can wear smartwatch to look classy as well as unique in the party area. Make sure to go shopping a smartwatch in grey or black color to easily match it up with your existing wardrobe basics. Or else you will certainly miss a terrific chance to look special in every EMBROIDERED CUSTOM PATCHES outfit without breaking the bank. Hopefully the above style fundamentals will help you to look elegant in the upcoming winter events without any hitch. |
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