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Here in this informative article on the 10 tips to avoid bankruptcy, we will see some of the smart things to do to avoid having to be one of those who end up in bankruptcy proceedings. Knowing the facts will help save you from many financial problems and probably give you much more peace of mind. Please read on to find out the " 10 tips to avoid bankruptcy."
The first tip is of course to have a budget. This first tip is fairly self-evident to most people. If you budget your money, you know exactly where your income is going and there is no confusion. There are no "leaks" in your money supply when a budget is strictly adhered to, and you have confidence from knowing what will happen, month after month. Those little "spending sprees" will probably have to be eliminated, but in the long run it is worth it. This is the probably the most important tip of the "10 tips to avoid bankruptcy."
The second tip is to get a piece of paper and write down all your debts. Add up all your debts and then compare them to your income. This tip can go hand-in-hand with the first tip and give you an understanding of where you really are financially speaking. To avoid bankruptcy, you must of course have at least as much coming in as you do going out. If you are simply living off the credit in your credit cards, you will no doubt have a day where this will crash your finances and probably cause a bankruptcy to happen.
The third tip in the " 10 tips to avoid bankruptcy " is to get a second job. This really can work wonders. Having a second income, while your bills do not increase is a real boost, and is one of the best ways to avoid bankruptcy. Use step one and two and then if things look too negative, getting a second job is probably not just an option, but a necessity.
The fifth tip is; enroll in a debt management program with your creditors. This has the ability to consolidate your debts if your creditor will allow you to do so .
Next, ask your friends or family for a loan. If you can get one from them, see if they will do it for a zero percent interest. It may turn out to be a big help.
The seventh tip is to seek out some of that free government money that is being handed out these days. If this seems too good to be true, please note that many have done this. Its better to ask and get turned down than not to ask at all. This is probably the easiest of the "10 tips to avoid bankruptcy".
The next tip is quite obvious; avoid going into debt at all. Pay cash for everything, and your mind will always be at ease. If you prevent yourself from entering debt you avoid bankruptcy completely. This option is seldom taken and because of it, we are having the problems in society we see today.
The ninth tip is to get rid of the credit card debt you have. The rates on those cards are some of the worst rates you have for buying on credit. If you can pay off the cards, your battle is nearly won and you can avoid bankruptcy much easier.
The last tip is called "debt settlement" and may be the last-ditch attempt to avoid bankruptcy. With this option you stop paying your creditors and put the money they would be getting into a savings account. Later, after all the creditors are breathing down your neck for payment and threatening to enter you into bankruptcy, you use the money in the savings account to "settle" with them. This is a desperate attempt, but again may end up being the tip out of all the "10 tips to avoid bankruptcy" that works for you.
All of our articles are originals, if you liked this, check out Bankruptcy Help and get the help you need to avoid bankruptcy.
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In recent weeks, the subject of employee tipping has received considerable attention in the media. There have been lawsuits in California, Massachusetts, and other states which should serve to remind employers about the importance of knowing and then following State and Federal laws on tipping.
In California, there are three critical rules which must be followed by employers:
1. No manager may take any portion of a tip left for an employee;
2. An employer may not offset any credit card processing fee against a tip left by a customer for an employee; and
3. Absolutely no portion of any tip received by any employee may be offset against the minimum wage of $8.00 per hour paid to an employee.
It is worth noting, however, that in California, a service charge by the business owner is not considered a tip for purposes of the California Labor Code provisions dealing with tipping.
There is still some controversy in California concerning the subject of tip pooling. Tip pooling is not automatically illegal in California. The controversy arises over what type of tip pooling arrangement is allowed.
The California Division of Labor Standards Enforcement has traditionally took the strict view that in order for an employee to participate in the tip pool, he or she must render direct table service. Such a rule is both artificial and unworkable.
Take for example, the customer who orders a drink from his table. Should it make a difference in any tip pooling arrangement whether the bartender brings the drink to the table or whether the server delivers the drink?
Another example - in those restaurants where the cooking of the food is in plain view of the customers, should the cooks be prohibited from having even a small percentage of the tip?
Finally, if the dishes on which the food is served are not clean, then the customer will not enjoy the dining experience. Thus, should the dishwasher receive a tiny percentage from the tip pool?
In recent years, the Courts, especially the Federal Courts have rejected the artificial "direct table service" distinction. Rather these decisions leave it to the restaurateur to adopt a tip pooling plan. So long as that tip pooling plan is reasonable, it is likely to be upheld by the Courts. Obviously, the server should get the lion's share of any tip, with smaller percentages going to those who participate in the dining experience.
Given the attention that tipping and tip pooling has received in recent weeks, this is a good time for all employers to review their tipping and tip pooling practices to ensure that such practices are consistent with both State and Federal law.
Russell J. Thomas, Jr.
Attorney at Law
THOMAS & ASSOCIATES
4121 Westerly Place, Suite 101
Newport Beach, California 92660
Tel: (949) 752-0101
Fax: (949) 257-4756
Email: rthomas@rjtlawfirm.com
Web: http://www.rjtlawfirm.com
J.D., Harvard Law School, 1967
Specializes in Employment Law and Litigation; Offices in Southern California (Los Angeles and Orange County)
Remember this, buying the beer is not the most expensive part of the beverage cart girl's stop at your group. It's the tip that is expensive. You don't want to be known at the course as the cheap guy, so you should tip her well. Besides, if you want ( or need) her to show up more than once a round you will have to bribe her. That can get expensive. So you will have to decide whether to buy the beer of do the tip.
Do this before you tee off. Take a look at who you are playing with. Are they are bunch of drunks who will consume massive amounts of beer on the course. If so tip, man, tipping is the best option! And tell them that is what you are going to do. Then bribe the cart girl on the first trip, she will feel happy, she will come back, and then you can either stiff her on the next tip or just tip her less. Or you can be a good guy and tip her well all day long. Your choice, after all, you are the tipper.
Speaking of tips. I have a few for you.
$10.00 Golf swing tip number one.
There has never been a good golfer with a bad grip. So get your grip right. Unless you are new to the game, you already know that your grip is probably wrong. But you do it anyway because,"it feels good" so no excuses. A grip change is not easy, but it is a critical part of your simple golf swing. Most teaching pros will tell you what the correct grip is, then they will forget all about it knowing you won't do it anyway. Then they give you a $60.00 lesson with a bad grip. Man!
$10.00 Golf swing tip number two.
Have you ever chunked a chip shot that you had to get close to make par or even a bogey? There is absolutely nothing more aggravating, right? Here is the answer to this foolish and embarrassing mistake. Hit down! You have to hit down on the ball. Not one single thing else matters here. Hit down. Every good player does it, all poor players never do it. Hit down and the ball goes up. Hit down and you won't peek. Hit down and you put spin on the ball. Hit down and you won't hit it across the green low and hard. Hit down and you get a sweet feeling in your hands and arms and the ball reacts to this as if by magic.
$ 10.00 Golf swing tip number three.
You know that three foot putt that you are standing over. The one the breaks left to right by a foot or so. The one that, if you make it, will secure for you the best round you have ever had and you kick your playing partners rear end.
Do you know what I am talking about? If you played any amount of golf at all, you know exactly what I am talking about. So, do you make it or not? Dr. Bob Rotella, a noted sport psychologist who works with the best golfers in the world, says that one way to make more of these putts is to try less. WHAT! Yeah, I know it sounds nuts, but is it?
Take it to the practice green and see. Take 4 or 5 balls and put them in a circle around the hole. Say 5-10 feet away. On each putt, you want to try very hard to try less.
Do this often and you will find the medium amount of effort you need to make more putts. Once you have found this, you will need to practice a while using this level of trying. Soon it will become in your head and the next time you are faced with the game breaking putt. Well it ( your effort level) be in your head and you will execute.
This is an excellent tip. Worth more than $ 10.00.. I used this years ago to decrease my sense of disaster. It worked wonders. Try it. A reallly good golf swing tip.
$10.00 Golf Swing tip number four.
If someone tells you, that you hit a bad shot because you picked your head up. You can trust that you did not do that. It is not what you think. You did not pick your head up. It just looked like you did. WHAt?
Well stay with me here.
This golf swing tip is a tad complicated.
If you appeared to pick your head up on your golf swing, it means that you have not HIT DOWN on the ball. There is nothing else in the golf swing that matters. You must hit down. So try this. ( this is one of those I told you so moments) get a proper grip, you cannot consistently hit down on the ball if you have a bad grip. Sorry! Get a grip. Right hand a little more on top of the club, never under. Right hand a little more on the top. Right hand a little more on the top. Got it?
The very idea of hitting down on the ball is as old as the game itself. But to most, it is a little known secret and an impossible concept to grasp. But You must do it. You must, you must, you must.
Reasons why you did not hit down.
Your spine angle tipped back away from the ball. This creates an impossible angle problem for hitting down. What is it? Well it makes it impossible to hit down. Your weight is on your back foot, your hips are not under your shoulders anymore, they are ahead of them. And the only way to hit the ball is to hit up. Which is exactly what you do, and it looks like you " lifted your head up "
You stop this move by moving your hands and arms first toward the ball, pushing the club down and toward the ball with your RIGHT hand ( that now has the correct grip) and you do this first, before your body does anything at all. Want a key to this move?
$10.00 Golf Swing Tip number five:Keep your back to the target as long as you can.
$10.00 Golf Swing Tip number six: keep you left shoulder IN THE SWING as long as possible.
$10.00 Golf Swing Tip Number seven: Swing against you left side.
And the final $ 10.00 Golf Swing Tip :Do not allow your left shoulder to spin out of the swing before you hit down on the ball.
That's it, every thing here is stuff that all good players do and all bad players do not do. There is no reason in the whole world why you should not be able to shoot in the 80's and do it in a few days not months or years. See below for more
If you want to discover the secrets that the pros do and you don't, and see how you can shoot in the 80's in 10 days or less : http://www.ebooksbestbuy.com/golf
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Because there are no set guidelines when tipping, this can often create anxiety among vacationers and travellers. Of course, one of the biggest factors in determining how much to tip in is the quality of service. The tipping guidelines below are for good service. Any time you receive outstanding service, add a little more.
Cab Drivers
If your cab fare is less than $8, give the cabbie the change, and add $1. If the fare is $6.50, give the cabbie the 50 cents and $1 for the tip. If the fare is over $8, give the cabbie the change and $2.
Porters and Redcaps
Tipping $1 per bag is acceptable.
Bellmen
When a bellhop meets you at your car with a rolling cart, and then handles all of your bags, $5 is about right for a tip. Of course, the more bags you carry yourself, the less you should tip.
Hotel Maid Service
Upon checking out, leave from between $2 to $4 for each day you stayed. If You left it pretty messy, then add a little bit more.
Valet Parking
Tipping $2 is about right, when the valet shows some hustle and is courteous. If service is just ok, then $1 will do. Valets pool all their tips, so each individual, both arriving and leaving, will be taken care of.
Waiters
Whether at a full service restaurant, or ordering from room service, the standard gratuity should be at least 15% of the total tab before sales tax. If at a buffet or brunch, leave $2 per person for those who bring you drinks and bus your table.
Cocktail Waiters and Bartenders
Tip by each round. For two people, tip $1 for each round. If more than two people, tip $2 per round. If it is a larger group, use your judgment. If the drinks are complicated, with many different cocktail orders, then tip more. If it is a round of beers, then a smaller tip is acceptable.
Greg has been writing articles for nearly 4 years. Come visit his latest website over at http://www.SconceLightFixtures.com/ which helps people find the best sconce light fixtures and information they are looking for when doing home remodeling and decorating.