Britons Lose 'Bankruptcy Stigma'

Consumers are more open to the idea of filing for bankruptcy, an industry expert has indicated.

According to Duncan Philp, senior consultant for Macbeth Currie, the rising popularity of borrowing has led to Britons becoming less concerned about becoming insolvent should they find themselves unable to handle their day-to-day finances and make repayments on loans. He added that a rising number of borrowers are loading up credit cards due to the increasing availability of the lending product.

He said: Bankruptcy, whether from a business or an individuals point of view, does not have the same fear or the stigma attached to it. If you go back ten years or so everybody would have been terrified to have been made bankrupt. Now it just seems to be a modern phenomenon that people are perfectly happy to go through and a few years down the line theyre back with money again.

The consultant added that consequently a lot of young people view having previously filed for bankruptcy as a badge on their collar when they are looking to go into business. In turn, he reported that as there are an awful lot of small businesses going out of business almost on a weekly basis, this consequently reflects on consumers personal financial situations. As a result, Mr Philp suggested that consumers do not take enough time to carry out sufficient research into what product might be best for them when they look to borrow money. Theres an awful lot of information about but from my experience people dont tend to seek it out, he pointed out.

These sentiments were also echoed by an independent financial adviser earlier this week. Paul White, consultant with Belgravia Insurance Consultants, suggested that declaring oneself unable to afford loan repayments was becoming evermore easy to do as Britain takes a similar approach to lending as adopted in the United States. The fall in the stigma around bankruptcy was also attributed to rising popularity of taking individual voluntary arrangements, many of which are not being processed either online or over the telephone. He said: If it can be done remotely then its really more of a streamlined process rather than someone sitting down face to face.

Earlier this year those Britons who opted for bad credit loans, which may include Britons who have filed for insolvency and those who have a negative credit report, have said that they could eventually be able to access more competitively priced borrowing in the future. James Cotton, spokesperson for London & Country Mortgages, told the Times that if borrowers are able to keep up with monthly repayments over the term of their lending the chances are that you could have repaired your credit record sufficiently to take out a prime deal next time. Mr Cottons comments follow a study carried out by GMAC-RFC which indicated that about 75 per cent of Britons with a sub-prime mortgage deal are between the ages of 35 and 54. This figure was attributed to those in this age bracket having a damaged financial history report as a result of missing credit card repayments, going through a divorce or filing for bankruptcy.

Abbi Rouse writes for All About Loans where visitors can apply online for cheap loans. We also specialise in bad credit loans, and debt consolidation loans.

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Operating Instructions for Human Beings

Im from the factory and I know how instructions are put together. You go out on the assembly line with a tape recorder and the foreman sends you to talk to the guy he needs least, the biggest goof-off hes got, and whatever he tell you - thats the instructions. The next guy might have told you something completely different, and probably better, but hes too busy. - from Zen and the Art of Motorcycle Maintenance by Robert M. Persig

I remember buying a new VCR back in 1990 that caused me no end of frustration. The VCR itself worked fine, but the programming instructions were so difficult to follow I finally gave up trying to use it. To preset a recording time required no less than 22 steps. The manual that came with the recorder only listed 21! Someone had forgotten to include the crucial last step - which could only be found printed on a tiny untitled insert burried deep within the packing material.

VCR instructions and procedures are much simpler today, but anyone who has purchased computer software in recent years can attest to the frustration of working with poorly thought out installation and operating instructions.

There are usually two distinct sets of instructions for any piece of machinery: service manuals for the specially trained experts who will have to do maintenance and repairs and operating manuals for the user of the machinery. While it is conceivable the service manual for my VCR was well written, the operating manual was a disaster.

The most complicated piece of machinery well ever have to operate is our own body. Yet it comes without any sort of owners manual!

Sure, there are a great many training programs and instruction manuals designed for specialists in human functioning - doctors, psychologists, nutritionists and the like. Some of these instructions can be highly specialized indeed, such as those dealing with the specifics of skin or hair care.

But we - the owners and operators of our body - dont have an easy-to-understand set of instructions about how it functions and how we can influence the overall quality of its operation.

Most of us come from the factory nicely wired up and ready to operate for years, maybe decades, without the need for any clear knowledge of how we function. But over time, as our body is subjected to the strains of daily life, we often find ourselves operating at less than peak efficiency.

Sometimes we can get by with occasional help of experts. If we are injured, medical help may be all we need. If our teeth develop cavities, a dentist can fill them. But if, as so often happens, we develop restrictions in our ability to sit and stand with ease or to move with freedom and grace, were left pretty much in the dark as to how to improve the situation.

A number of somatic methods and therapies have been developed which are designed to help people improve the quality of their physical functioning - The Feldenkrais Method, Rolfing, Somatics, pilates, to name but a few. I am most familiar with the Alexander Technique, a method that has a long history of teaching people how they can improve their posture and coordination.

Teaching is the key word here; the Alexander Technique is above all an educational process that recognizes that real change must come from within. It is for this reason that practitioners of the Technique call themselves teachers rather than therapists.

One of the four books written by F. Matthias Alexander, the developer of the Technique, is aptly titled The Use of the Self. And while the Alexander Technique certainly does not claim to offer a complete human instruction manual, it does provide basic, practical information about how we humans function, and how we can improve the quality of our functioning.

Two other books that provide the beginnings of a human instruction manual are How to Learn the Alexander Technique - A Manual for Students by Barbara Conable and Mind and Muscle - An Owners Handbook by Elizabeth Langford.

More information about the Alexander Technique can be found at http://www.alexandertechnique.com Information about some of the other somatic methods and therapies can be found at http://www.posturepage.com.

Robert Rickover is a teacher of the Alexander Technique living in Lincoln, Nebraska. He also teaches regularly in Toronto, Canada. He is the creator of The Complete Guide to the Alexander Technique at http://www.alexandertechnique.com.

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Exercise Addiction

There are those who need to be coerced into exercising while there are others who are required to cut down on their workouts. People who indulge in extreme exercising give up on their family life, friends and priorities. It becomes an addiction. This condition is known by a variety of terms like exercise dependence, exercise addiction, obligatory exercise, compulsive athleticism, and exercise abuse.

There are researches carried on this field trying to find out the key reasons and its impact on the victims. I address these people as victims because it must be a need to overdo exercising. This could be due to lack of self confidence, someone who has had an eating disorder in their formative years or who had once been obese and are scared to get back to their original weight. It is deeply linked to one own projection of his or her own body image. Excessive exercising can cause the following trauma to the body:

1) Extreme wear and tear of the muscles and tendons.

2) The lack of sufficient rest causes extreme fatigue.

3) Exercising in spite of fatigue causes injuries.

4) Ignoring the bodys needs to rest and the injuries can further lead to complications.

5) Cutting down on eating to get the perfect body shape.

6) Lack of proper diet and excessive workout causes weakness, breathlessness, mood swings and these ailments which will aggravate as the years goes by.

7) Sudden drop in the body fat which is essential for proper functioning of the body can make the body prone to thyroid and other related problems.

8) Excessive workouts cause extreme sweating and if the body is not replenished with sufficient fluids then it leads to dehydration.

9) There are chances of osteoporosis especially among women.

10) Handling daily activities becomes difficult as the mind is overwhelmed with the physical pain and people tend to loose their temper.

Exercise addiction is the new age phenomenon. It is caused by poor self image, aping the celebrities and ALS Scan Models and lack of confidence. This should not be encouraged as a wonderful way to look slim and curvaceous. Victims of this addiction should be made aware of the possible health problems that they are likely to face in the future.

Nayna Chakrabarty, 2007

Define your fitness mantra before you start any diet or exercise regime.

Nayna Chakrabarty, a talented writer has many popular articles published on http://www.nayna.in

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A Calamity of Justice - The Genarlow Wilson Case

Is it possible for a 17-year-old to go to jail for a decade for having consensual oral Adult Sex Site with a 15-year-old? In the state of Georgiabefore they modified the lawthe answer was yes. Every once in a while a case comes along that shocks the conscious of most good-natured people, this case I assure you is one of them.

Genarlow Wilson was a high school senior and age 17 at the time of his alleged criminal offense. He received a 10-year prison sentence because at age 17 he engaged in a voluntary act of oral Adult Sex Site with a 15-year-old female classmate. No violence or assault was asserted or raised in any of the police reports or at trial as to the 15 year old. His conviction for aggravated child molestation was based solely on the fact that the female was 15, which is below Georgias legal age of consent of 16. However, the Adult Sex Site act in lay terms was consensual that is, agreed to by both teens.

Genarlow Wilson has already served approximately thirty months in prison for this crime. What shocks the conscious here is that had they engaged in Adult Sex Siteual intercourse, Mr. Wilson would have only served a maximum term of 12 months and would not be required to register as a lifetime Adult Sex Site offender. How is this possible you might ask? In Georgiabefore they modified the lawWhen a 17-year-old male has intercourse with a 15-year-old female, statutory rape sets the maximum punishment at 12 months for a misdemeanor conviction with no Adult Sex Site offender registration. When that same 17-year-old male receives oral Adult Sex Site from a 15-year-old female, that teen is supposedly guilty of aggravated child molestation which dictates a mandatory 10 years in prison and lifetime Adult Sex Site offender registry. This, unfortunately for Mr. Wilson and the entire judicial system, is a case of an old outdated Georgia Law being steadfastly upheld by what must be an over zealous Assistant District Attorney, more specifically James E. Barker, who lacks the common prosecutorial discretion of most good district attorneys.

The archaic Georgia law that Mr. Wilson has been convicted of violating has been subsequently re-written. The law now more accurately represents what most states have in terms of the age of Adult Sex Siteual consent and child molestation laws. The new law now reads that a person is convicted of the offense of aggravated child molestation when: (A) The victim is at least 13 but less than 16 years of age; (B) The person convicted of aggravated child molestation is 18 years of age or younger and is no more than four years older than the victim. This legislature similarly amended the code sections for child molestation and Enticing a Child for Indecent Purposes to grant misdemeanor status without Adult Sex Site offender registration for Adult Sex Siteual acts when the victim is at least 14 but less than 16 years of age and the person convicted is 18 years of age or younger and is no more than four years older than the victim. The legislature also amended the statutory rape provision to reflect the same 4-year differential in age between teens to grant misdemeanor status without Adult Sex Site offender registration for acts of intercourse. I presume that the Georgia legislature made the changes in the law in light of this case. What they failed to do, however, was make these laws retroactive. Had they made the laws retroactive, Mr. Wilson would be a free man today. I assume that the Legislature could not stomach the release of what probably amounts to hundreds or maybe even thousands of individuals incarcerated who might qualify under the retroaction.

Either my classification of Mr. Barker is accurate or something else is afoot in this case. In the interest of impartiality, I offer one possible scenario. They only other possible reason that I can think of as to why Mr. Barker is holding steadfast on this conviction is that some other evidence must have been excluded from trial that brings to light the commission of a more serious crime by Mr. Wilson. If the district attorney lacks the evidence to prosecute on that crime he may feel as if the punishment is warranted for what actually took place despite the seemingly harmless nature of two young teenagers engaging in oral Adult Sex Site. I am not sure on this, but it is the only possible scenario that I can think of other than the prosecutors total disregard for discretion. If this is the case, the district attorney would still be in the wrong because he would in a sense be circumventing the judicial system by not having Mr. Wilson tried on the merits of the evidence for that more serious crime.

In conclusion, I think this case brings to light some of the troublesome issues that exist in the criminal justice system of America. Once upon a time Genarlow Wilson was a high school football star with a bright future, one consensual blow-job later by a teenager two years younger and now he is a prisoner of the state for what looks to be another seven years on top of the three already served. I dont know if anyone is going to step up and rectify this injustice. I can only hope that those in the government with the power of pardon will see this as a calamity of justice and work to release Mr. Wilson. Everyday that Mr. Wilson sits in prison is another black mark on the criminal justice system of the United States of America.

This article was written by Douglas Whalen, he maintains a current legal news review blog at http://www.legalnewsreview.com and a family law blog at http://www.myphiladelphiadivorcelawyer.com .

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