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Friday, January 11, 2008

A Matter of Pride

Bankruptcy is a financial technique in which you declare that you cannot repay your creditors now or see a way to repay them in the future. Depending on your income and the amount of money you owe, an individual may declare chapter 7 or chapter 13 bankruptcies. However, in either case, bankruptcy is a fairly public affair. Your name and address will be published in at least one of the local newspapers for all of your friends to read, and your neighbors will see movers coming to repossess some of your items. For many people, the worst part of bankruptcy isn’t losing the money; it’s losing pride and dignity.

The first way to deal with this is to realize that most of your friends and family have gone through money problems at one time or another in their lives. Although they may not have resorted to bankruptcy, there is certainly no question that only the very lucky do not feel drown by debts at one point or another. Simply put, people will understand. Even though you may feel like everyone is snickering at you behind your back, the truth is that most people are actually empathizing with you.

Also realize that not everybody will realize you’ve declared bankruptcy. Most people do not take the time to read the newspaper that carefully, and even though word does travel fast, it is not a topic that most people will bring up because it simply is not that interesting. You might feel like you’re the headlining news, but in actuality, most people probably didn’t even know about it.

It is important to continue with the process, even if people do find out. If you are embarrassed, simply understand that so our all of people in this country who are going through the same thing. You are not alone. In fact, you may be able to get counseling to help you go through the bankruptcy process. You may be surprised at how many people have declared bankruptcy and gone on to be very successful.

If bankruptcy is the best thing for your family and your financial situation, it is most important that you continue with the declaration. Take care of yourself first, then worry about what other people have to think. The most important thing is not what your neighbors have to say, but instead what you are doing to get yourself bank on track financially so that your future will be brighter.

"Life is short and we should live for it"

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Tuesday, January 8, 2008

Cigars versus cigarettes - which is the lesser evil?

There are claims that stress how much cigars are safer to smoke than cigarettes. Well, this is no a fact at all. It just so happened that cigar smokers are only occasional smokers and majority of the smoking population are into cigarettes so the gauge of how cigars is not that obvious. But, it must be known to people that cigars are not safer at all.

The following are the reasons that would tell you that the choice of smoking cigar is not lesser evil than smoking cigarettes:-

- Tobacco is much in amount in cigars than cigarettes. This fact makes cigar much dangerous for as we all know, there are harmful elements found in tobacco. According to studies, a single cigar contains more tobacco than a whole pack of cigarettes.

- Experts identified that cigarettes are containing lesser nicotine. Compared with 8 milligrams found in nicotine, cigars have 100 to 200 milligrams. This only shows how much danger cigar could cause over cigarettes.

- A single cigar a day increases the possibility of acquiring cancer. Cancer involving the lungs, as well as the pancreas is common for those who are into cigar smoking.

- Cigarette smoke is not as toxic as cigar smoke. As what is shown by studies, cigars must undergo fermentation, this stage produces some of the most cancerous elements. Another thing is that the cigar wrappers are less porous compared to that of cigarettes. This has something to do with combustion. Proper combustion decreases the amount of harmful elements of a cigar or cigarette.

- For men, cigar smoking is associated with sterility or some problems like erectile dysfunction. The harmful components of a cigar is penetrating much on hormones that may cause this disorder.

These are just some of the harmful effects of cigar smoking and how harmful it could get comparing to cigarettes. The issue here is not what to smoke, cigar or cigarettes? He point is that, smoking is not beneficial at all. Yes, you harm yourself and even harm innocent secondhand-smokers.

"Life is short and we should live for it"

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