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Wipe Out the Holiday Debt Stress With a Bankruptcy Filing

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Christmas is a very stressful time of the year but more than that is New Year’s. While people tried to fake their way through the holidays buying gifts they can’t afford for people they only see once a year. Once the new year rolls around, also come the holiday bills with it. When you thought you couldn’t be any more broke in December, you realize that you can when you get a pile of bills you can’t afford to pay. This is a cycle that happens to the majority of middle-class America every year. When we should be enjoying the true meaning of Christmas, we are more worried about going to parties and spending money we don’t have going further in debt. This is when people should really take a hard look at their lives and make the major changes necessary to get out of debt and become debt free. This seems like it might be impossible for most people but sometimes filing bankruptcy might just be what the doctor ordered.

The Christmas season is a tumultuous time and it’s really no surprise that filing for bankruptcy will be a very stressful time. The thing most people don’t consider is the stress they’re already under prior to the bankruptcy filing is probably way worse than the entire legal procedure. It’s like having a surgery, they worry coming up to it, many times, this is way worse for them than the procedure and recovery. People need to consider that these tough times will not last forever and there is a light at the end of the tunnel. Especially if all the debt is going to be wiped out in a Chapter 7 bankruptcy discharge. Sure credit might be a little bit tight initially following the bankruptcy discharge, but even that will return to those who stayed diligent getting their finances back on track. Getting all stressed out about the unknown is foolish because we don’t know what the next day will bring. Live one day at a time and when it gets really bad one hour at a time. My mom used to always tell me 90% of everything you worry about never comes to pass, so why worry.

There are some ways to eliminate stress while you are in the process of a bankruptcy filing. One way is to call your bankruptcy attorney and ask the questions that are bothering you. Many times getting those bankruptcy questions answered will calm your fears and help you sleep better. Another thing is not to dwell on the problems. Sometimes calling a close friend and venting about all your worries will do the trick. If necessary, try taking a walk and clear your head. If you don’t mind exercising, go to the gym for a few hours and exercise. It’s a well-known fact that exercising helps with depression as it sends endorphins to your brain. During this tough time, learn to enjoy music and the outdoors. Sometimes it’s nice to just pick up a book and go sit under a tree and enjoy the beauty of the environment. My dad always used to say when you’re upset go do a chore like washing your car and you will have the feeling of accomplishment in your life.

The bottom line is, worrying only leads to more stress and if you need to file bankruptcy, you can’t get around that, so you’ll need to make the best of it. Sit back and look to the future for the positives of filing bankruptcy like getting a jump start to become debt-free once again. Being debt free has become a lifestyle that people think is old-school. The truth is, it is much better than being buried in debt.

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What Is Clean Fiction?

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When you visit a library, the books are all arranged according to categories. It makes the job of finding what you want so much easier than having all the books just loaded on the shelves randomly.

Similarly with online bookstores, books and eBooks are organized according to classification. All the mystery stories are in one section, all the suspense thrillers are together, all the sweet romances are together. That’s how Amazon does it. Barnes and Noble too. In fact, all the digital book sellers use a classification system that groups similar books all together.

The classification categories are based on what readers want, and what readers look for. Businesses exist to meet the needs of the market place, so if the buying public want something, it will be made available by some enterprising business.

Take murder mysteries for example. Knowing that the reading public loves to read murder stories, many writers have specialized in that genre. Often the reader is treated to descriptions of brutal murders with or without rape. The more shocking these acts are, the stronger the audience reaction will often be.

There are other writers who choose not to write such gory stories. They may deal with a murder or a sexual attack but without highlighting the violence, suffering or horror. It’s a tragic fact that human beings around the world violate each other every day, but there are writers who may or may not include such terrible things in their stories, but if they do the evils are treated briefly.

They choose to write stories without violence. Or if a violent act is included in their story, it is not dwelt on in any blow-by-blow way. It is not glorified. The reader will know that somebody was murdered but they won’t be struggling with mental pictures of the evil.

This is what clean fiction is about. Or more accurately, this is part of the ethos adopted by authors of clean fiction. As H.L. Wegley says of his stories, “descriptions and events will never be gross, graphic, or gratuitous.” He writes inspirational thrillers and high-action romantic suspense novels.

Wegley is one of the authors featured at CleanSuspense.com where books are chosen which are clean by virtue of: no bedroom scenes, no swearing or foul language, and where violence (if there is any) is not glorified. Some of my favorite authors also avoid profanity.

Clean fiction is not so much a book category but a description of the author’s writing. So clean fiction includes romance, suspense, mysteries, thrillers… even time travel. Pretty much any genre can be written in a clean way.

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What is America’s Number One New Year’s Resolution?

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Yes, you guessed it. Americans resolve to lose weight. So it is not at all out of the question to assume this resolution may be on your list as well.
If so, then keep in mind that achieving your health and fitness goals is not just a day-to-day, week-to-week or month-to-month affair. The key to keeping this New Year’s resolution is changing your entire lifestyle.
Although the phrase “weight loss” is really the hot button, fat loss is the actual issue. In order to lose excess body fat, you must take care of your body and nurture your emotional state too. So it is very important to remember as fat is lost, you should also help yourself crucial gain self-esteem.

Do not put your self-esteem on a weight loss plan as well.
Here are a few practical tips to effective fat loss and esteem improvement:
First, Take some time to learn. Do not be a “dense dieter.” It is recommended that you one of the original lifestyle diets, the Zone Diet Plan. As creator of this particular way of living and eating, Dr. Barry Sears has written eleven Zone Diet-related books and many include easy recipes to keep you in the Zone.

You may want to purchase a Zone Diet book and then try the recipes with your family. Get yourself into the nutritional state of mind. Becoming knowledgeable

will help you to internalize a healthy lifestyle you can follow with sincere understanding and confidence.
Second of all, realize Although weighing yourself is indeed important, it is in fact much more important to let your clothes speak for themselves. Monitor how your clothes are fitting you. That is much more gratifying and less defeating.
Thirdly, If you were thinner in the earlier years of your life, keep your thin photographs taped to your mirrors and carry one in your wallet. Take photos of yourself each month and put them in a scrapbook. It is very important to have a realistic view of your soon-to-be self.
Do not throw away that old pair of jeans that fit just a little bit too tight. Keep them around since some day, you will slide into them. No more tugging and squeezing. Set a realistic date for trying on the old jeans so you are not disappointed.
Fifth of all, Beware of the dreaded binge. Do not set yourself up for failure, which can play havoc with self-image. Have a healthy snack between mealtimes that will keep you satisfied so you’re less likely to overeat at the next full meal. Perhaps 1/2 of

a Meal Replacement Bar. You will then be less likely to stop at your favorite fast food “restaurant” for a double cheese burger and large order of fries.
Also Select an exercise program that you actually enjoy doing. This could mean taking a belly dancing class, running with your puppy, or participating in some group sporting events.
And last but not least, Add “superfoods” to your diet like nuts and seeds, beans and sprouts and other green foods. Get into the habit of buying them and jazz up your diet and the nutritional profile of the your recipes as well.
This will help keep you in the zone for good.

For more information on the Zone visit Zone Diet Nutrition and learn more.

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What Do You Expect From Your Customers?

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Customers are the backbone of every business. And no business can survive if it doesn’t take care of its customers. In fact, managing your customers is as crucial as managing your employees. Having said that, some customers can cause unneeded stress and take up too much your valuable time.

So what should you expect from your customers and how can this make your life easier?

Get Rid of Bad Ones

Your time is valuable and there’s no reason to use up all your time dealing with people who are hostile, rude, or who don’t want to spend any money with you.

Sometimes, business owners may think that offering exceptional service involves enduring the worst customers. But while it pays to offer excellent customer service, this doesn’t mean you’re obligated to tolerate people who make you and your team miserable.

Be respectful and polite and send them on their way. However, there may be some exceptions, especially with high-profile clients whom you deem necessary to put up with. It’s up to you to decide how much you’re willing to endure to secure a customer or a sale.

And remember that you’re giving them permission to treat you badly and they’ll continue to do so if you don’t set and stick to your boundaries.

Don’t Give Free Products or Services

Some customers just like to talk. These are the people who only want free information from you and they have no plans to buy anything from you. Yes, it’s a good idea to offer comprehensive information to potential customers, but there are plenty of other people who are waiting and are ready to buy what you’re offering. Be self-respecting and cut off people who are always calling and never buying.

Typically, you don’t want to create a reputation of being a tyrant, but it’s worth it to be pragmatic and sensible of your boundaries. And the goal isn’t to alienate your customers but to let them know your business operates within a reasonable structure.

So don’t be afraid to have consistent standards. Because when you respect your customers and take care of them, they’ll respect that you run your business on your own terms. This is the type of customer you want.

Customers Return and They Pay More

To provide excellent customer service and build a successful business, you have to set and stick to your boundaries. Customers reward the companies they enjoy doing business with: they keep coming back and they pay more.

Customers Talk about You More

Providing excellent service goes beyond current customers, because 80% of people will recommend a business to friends and family after great service. And 40% of happy customers will share their story on social media. This will grow your business and generate more profits.

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