Chapter 7 VS Chapter 13 Bankruptcy

Which One is Right for You?

There are essentially 2 types of bankruptcy that you can file for, Chapter 7 and Chapter 13. There are a couple of other types, but the vast majority of bankruptcies are either Chapter 7 or Chapter 13, so those are the two I’ll focus on today.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is designed for people with very little disposable income. It is often used by low income individuals for various reasons. Chapter 7 bankruptcy is also known as “liquidation bankruptcy” and it clears out unsecured debt. However, all of your nonexempt assets will be sold to help pay off your debt. Usually people with a lot of assets will not choose this route, usually it is lower income individuals who do not own any nonexempt property.

Chapter 13 Bankruptcy

You may have to file for a Chapter 13, or a reorganization bankruptcy, if you make too much to qualify for a Chapter 7 bankruptcy. Chapter 13 bankruptcy is for individuals who are able to pay back at least some of their debt.

A payment plan is set up based on your regular income. Many people prefer Chapter 13 Bankruptcy because it allows you to catch up on missed mortgages. I personally had to file for a Chapter 13 bankruptcy because of missed mortgages and I was able to catch up and keep my house.

After being foreclosed on multiple times and not making the payments, they were willing to work with me when I filed for bankruptcy and now I’m back on the right track. And I couldn’t have done any of it without BLC Law Center. You can learn a little bit more about them at

BLC Law Center is a group of bankruptcy attorney San Diego has had for years. They were extremely helpful right from the very start and I am very grateful for everything they have done. When I went to them I was so overwhelmed and I never thought I’d be able to get out of debt. But, they were able to help me and actually taught me along the way too.

They sat me down and talked about all of my legal options and explained that a Chapter 13 was probably the best choice for me. Once I decided to move forward with the Chapter 13, they pretty much did it all for me.

I couldn’t even imagine how hard it would have been for me to file by myself. I got lost in all of their legal jargon more than once, and I know without them I would have been totally screwed. Not only did they help me file for bankruptcy, they helped me get my freedom back as well. They finally got creditors to stop harassing me, and I can say it’s been like a breath of fresh air.

Everyone at BLC is so nice and understanding and I never felt like I was being judged for my poor decisions. The entire time, I felt like they really wanted to help me, and that’s a great feeling to have. Although bankruptcy was my absolutely last choice, it was extremely helpful and I’m glad I did it. It sounds a lot worse than it is and people end up getting the wrong idea about it.

If you love in southern California, there’s no one who can do it better. But, if you do not live in the southern California area, you should do some research on bankruptcy attorneys in your area. There are great attorneys all over America that are willing to help you get back on your feet.


Learn How to Clean Any Mess in Minutes

As a kid, Friday was always chore day. Well, not really, but Friday was when we had to have all of our chores done by, so Friday was when we ended up doing them. And as much as I always wished I was an only child, when chore day came I sure was glad I had so many siblings. See, growing up as the baby in a house of four boys and four girls, there weren’t really that many chores for me to do. Still, I had some basic ones, like taking out the recycling and putting away the dishes, but that was a breeze compared to some of the stuff my siblings had to do.

However, as the years went on, and my siblings moved out one by one, I got more and more chores loaded on my shoulders. Eventually, I was left to do all of the chores by myself. Needless to say, I was pretty miserable. My parents were pretty strict and if I ever wanted to do anything on the weekends, there was a list of chores I had to get done first. Eventually, I learned to space out the cleaning instead of saving it all for Fridays. This way, I could go out on Friday night if I wanted and cleaning seemed like much less of a bear when I only did a few minutes every day.

This translated to great time management skills later in life. And although I hated my parents at the moment, I have always been grateful for the life lessons that they taught me along the way. Especially after I moved out and saw how some of my friends were living. I admit, my apartment wasn’t always spotless, but it was never a huge mess because I picked it up throughout the week. Whereas my friends would just put it off because their parents had always cleaned up after them. A few of them actually still had their parents coming over every couple of weeks and cleaning for them.

This seemed pretty ridiculous to me, and one day I asked one of my friends why she didn’t just do it themselves throughout the week. She told me she didn’t really know how since her parents had always cleaned up after her when she lived at home. This totally baffled me, and that was the moment I really started appreciating all the tough lessons my parents made me teach myself, like self discipline and hard work.

I quickly became the one all my friends asked for help when they didn’t know how to clean something. Sometimes it was something really simple, like the overhead fan, and sometimes I honestly didn’t know how to clean it either, like when my friend asked me how to shampoo a couch. Although I had done a lot of cleaning at home, I had never shampooed my couch, that was something my mom did, and she did it rarely.

Out of answers, we turned to the internet for help. It was then that I learned about If you don’t already know, Mr. Cleaning is a website designed to solve cleaning problems, and make cleaning easier. It was there we were able to find an article on shampooing your couch. It was super easy to understand and worked like a charm. It guided us through making our own shampoo and fabric freshener, which has come in handy several times since shampooing the couch. In fact, I wrote down the recipe and have kept it in my house so that I can always have some on tap and ready to use.

After perusing around the site some more, we found several other articles that we were able to use, and tons of others that you might find useful. There are buying guides, product reviews, and more, making the entire cleaning process a breeze. If you are ever unsure of what pool cleaner, or car vacuum to buy, Mr. Cleaning can help you out. It can also help you out with various other cleaning problems, so when you find yourself in a cleaning pickle, check out Mr. Cleaning.

Health & Wellness

Gastro Dr. in Port St. Lucie

If you have a difficult to diagnose gastrointestinal problem, you’re not alone. Many patients find it difficult to get a correct diagnosis or any diagnosis—usually because they’re going to the wrong place to get one, such as their family doctor or the ER. While your family doctor or local ER may be able to give you a preliminary diagnosis about your GI troubles, only a board-certified gastroenterologist is able to offer a full diagnosis and treatment plan to meet your needs. This is why your primary care physician (such as your family doctor or regular doctor) will refer you to a GI specialist when they suspect you have a gastro disorder that needs treatment.

Are there gastro doctors in the Port St. Lucie area?

If your primary care doctor has determined that you should see a gastroenterologist, you’re in luck if you live in or near Port St. Lucie. Of course, it’s never lucky to have gastrointestinal issues, but there’s at least one good gastro Dr in Port St. Lucie has many options when it comes to choosing the right gastroenterologist for your needs.

Sometimes your doctor will choose one for you, but more often they will name off several GI docs in your area that they think are good and allow you to choose among them. If you’re unfamiliar with these doctors, choosing which to go to can be a tricky challenge, so it behooves you to do some research if your regular doctor has left the ultimate decision up to you.

Dr. Vikram Tarugu is a specialist in both gastroenterology as well as internal medicine. His office is located in Port St. Lucie, Florida, and he is affiliated with Martin Medical Center. This affiliation means that he treats GI patients and does procedures out of Martin Medical Center. If your regular doctor is also affiliated with Martin Medical Center, this is especially good news, because it will make it easier for Dr. Vikram Tarugu and your regular doctor to readily share information about your healthcare to better address your overall health and ensure you get the best treatment possible.

Dr. Vikram Tarugu has been practicing medicine for 42 years. He’s a very well-liked gastro doctor amongst his patients, receiving the Patient’s Choice Award at the healthcare website

As a gastroenterologist, Dr. Vikram Tarugu is able to treat a wide variety of gastrointestinal ailments ranging from cancers of the stomach and esophagus to Inflammatory Bowel Disease to stomach ulcers and much, much more. Additionally, he can also perform both routine and specialized GI procedures; commonly performed procedures include colonoscopies, endoscopies and sigmoidoscopies, as well as treatment for hemorrhoids and liver biopsies.

As someone who suffers from a gastrointestinal disorder, you may feel embarrassed or even anxious about seeking health, but remember you’re not alone. Treating a disease like GERD in the early stages means it will never progress to Barrett’s Esophagus or even worse—esophageal cancer. This is why it’s so important to see a gastro doctor if you need one, and luckily you have many options to choose from if you live in Port St. Lucie.


A torque wrench guide for DIY

Torque wrenches are by far one of the most practical tools available to the average DIY-er when it comes to needing a tool for applications where a specific amount of torque is crucial to put just the right amount of tension on that nut or bolt. The best torque wrench range in complexity and functionality from the simplest old school varieties to high-powered hydraulic industrial torque wrenches (that you’re just not going to use at home). As a do-it-yourselfer, it’s important to know when you need a torque wrench and which kinds of torque wrenches are best suited for DIY applications.

Common DIY reasons to use a torque wrench

Some things should frankly be left to the professionals no matter how on point your DIY skills are. That said, there are still a wide range of reasons all intermediate to advanced DIY-ers should considering buying their own torque wrench, because there are genuine cases where a torque wrench is the only right tool for the job.

  • Automotive DIY: If your DIY skills are more of the mechanical persuasion than you are definitely going to need a torque wrench. It’s a common misconception that you can or should tighten a car’s lug nuts with a lug wrench. This is a very, very bad idea. As automotive engineering becomes more advanced, the inner and outer workings of a car inevitably become more fine-tuned. By not having the right level of tension on your lug nuts—whether too much or too little—the result can not only be epic fails of all varieties, but epic fails that require you to go to a professional mechanic with your tail between your legs, which is the ultimate shame for every automotive DIY-er.
  • Plumbing DIY: Torque wrenches are very common tools used in plumbing, because quite often, there needs to be a precise level of tension on the bolt to ensure the job has been done not only adequately but well. Once again, with the wrong level of tension, failure can and will occur, ranging from your minor embarrassment to massive, call-the-insurance-company style problems.

Other things to know about torque wrenches for DIY

Here is the quick and dirty of what you need to know:

  • Torque is measured in foot-pounds (ft.-lbs.)
  • For car and motorcycle repair DIY, your manual will list the right torque for each component—NEVER go over or under this level, because you will likely cause yourself a world of problems/hurt/embarrassment.
  • Some components feature torque markings indicating the level of torque to be used; again, always comply and never assume you need more or less, because you don’t.
  • A torque wrench can’t be substituted for any other tool when accurate measurements of torque are required for safely and effectively completing an application. (Again, don’t use a lug wrench on car components.)
  • There are two standardizing bodies regarding torque wrenches that are independent from one another: The International Organization of Standardization (ISO) and the American Society of Mechanical Engineers (ASME), with the latter’s standardization system being arguably more comprehensive.
  • For safety, always store unused torque wrenches in the manner dictated by the manufacturer.

Always recalibrate your torque wrench at the designated time per the manufacturer’s instructions; if you don’t, your torque measurements may be wildly off, leading to damage of valuable components or even safety hazards.


Why are 3D printers expensive?

Are you considering buying the best 3D printer on the market? If so then you might be wondering why the prices seem to be so high. There are various factors that affect the price and in fact there’s a wide range of prices for 3D printers.

3D Printer Technology

In order to better understand the generally high price tags of 3D printers it’s important to know how the devices work. These printers use “additive” processes. This involves creating an object by putting down a material layer by layer until the object is fully created. Each of the layers could be described as a thin horizontal cross-section of the physical object that you’re creating.

The process of creating a 3D-printed object is also quite complex, which also helps to explain the price of 3D printers. The first step is to develop a virtual design of the particular object that you want to build. The design is contained in a digital file and is built by using a modeling application and scanner.

Factors that Affect 3D printer Prices

As when buying other printers it’s important to keep in mind that there are several factors that affect the price tag of a 3D printer. Here are some of the main ones:

  1. Brand

If you purchase a high-end brand you should expect to pay an average of $1,000 to $2,000 depending on whether the 3D printer is for individual or commercial use. There are many brands on the market so it’s critical to do some research so you’ll know some of the main players in the industry. If you purchase a high-end or off-brand you should expect to pay prices on the extreme ends of the spectrum.

  1. Specifications

This involves various issues like the 3D printing technique and others. It involves technical issues so it’s important to become familiar with some of the main techniques used for 3D printing. This will help you to sort through the different units on the market to pick a unit with the specs you’re looking for in terms of flexibility, speed, etc.

  1. Features

This is another of the key issues to consider when selecting the best 3D printer. There are various factors including the filament types supported, quality of performance, full-size/compact design, and customer service. If you want all the possible bells and whistles available then you should expect to pay a higher price tag. Meanwhile, if you want a base unit then the price will be significantly lower.

  1. Packing List

Another issue that affects the price of the 3D printer is the items that are included in the packing list. This can range from the basics to everything but the kitchen sink. Make sure to review packing lists.

The Bottom Line on 3D Printers

The actual price range of the best 3D printers can differ significantly. If you want a low-end unit that just provides the basics you should expect to pay about $100 or so. High-end personal printers cost about $1,000 while high-end commercial units have a price tag of about $2,000. Keep in mind that there are several factors that affect these prices so there’s a lot of leeway.


Best Espresso Machine Review – Mr. Coffee Pump

The other morning I went downstairs to start up my espresso machine to make me an espresso. Talk about a horrible morning? My machine went ballistic on me! I was devastated because I didn’t even see it coming. Let’s just say I didn’t buy the best espresso machine at that time.

I had my espresso machine for only a few months so I wasn’t prepared to be buying a new one anytime soon. Unfortunately I didn’t have any other choice so I purchased the Mr. Coffee Pump Espresso Machine for $70 at Wal- Mart. I wasn’t happy about the price but I knew that I needed one and I wasn’t going to buy another cheap one; so I just went with the best espresso machine on the current market: Mr. Coffee Pump Espresso Machine.

What I liked about the Mr. Coffee Pump Espresso Machine

First I have always wanted to have an espresso coffee maker that had at least two different spouts. My old one only had one so it was a huge change for me. Another thing that I liked about the Mr. Coffee Pump Espresso Machine is that it makes really great, quality coffee.

Not only does it make Espresso Coffee but it allows me to make Lattes as well as Mocha which is pretty cool because it gives me choices.

There are 15 bars of pressure for high performance and since it has a Thermal Block Heating System which heats up my water really quickly. It takes no longer than a few minutes to get a hot Espresso.

The controls are easy to use and aren’t confusing at all. They are simple and the button controls with indicator lights for each function.

I appreciate the fact that the Mr. Coffee Pump Espresso Machine is easy to clean and is made of stainless steal. And we all know that stainless steal is easy to maintain.
The knob that comes on the Mr. Coffee Pump Espresso Machine is easy to operate which is a new experience for me because my old Espresso machine was just the opposite.

Best Espresso Machine : The Final Verdict

There was nothing negative I could say about the Mr. Coffee Pump Espresso Machine. I mean I wish that it was a bit cheaper but considering the quality that it brings to my espressos’ I’m not all that upset about spending $70 on it. I’ve actually enjoyed my experience and I plan on keeping it around for a while. It definitely has made my mornings a lot less stressful and that’s all I need.

Health & Wellness

How to grow a beard: Few Effective Tips

There was a time when clean shaved faces used to receive all the admirations and love, but these days, people having bigger beards are seen to be enjoying greater reception. This era is greatly dictated by beards, men of different ages are seen to be infatuated with a beard only accentuate their masculinity. In such situation, those who are failing to grow their beard are undergoing great pain in their heart. However there are some tips on how to grow a beard that you must know.

Let your hair go wild

Having a solid beard takes minimum a month, so if the beard is growing wildly, let it be. It’s better to have a full-grown fuzz. There is no need for trimming or shaping down the beard. In that way, the natural growth of hair you would also understand the untrimmed growth of hair would make you realize the shape of the beard.

Keep Face moisturized

Having facial hair is really challenging as the skin is likely to dry. However here are keys to reveal the beard’s potential. Moisturizing is really effective in hydrating the skin. Number of products are out there which help in keeping the skin moisturized. If moisturizers are not suitable, one can go for coconut oil. The oil is natural, the oil also smells good and loaded with essential nutrients which are greatly needed. When face is maintained in healthy condition, there is unlikely to have a disaster area.

Fight the itch

At some point you may undergo some itching which may prevent normal hair growth. The dreading itching is certainly not a joke. Hence shampooing the beard from time to time and moisturizing the same is helpful. Itching often becomes so intolerable that people often goes for razor. With proper shampooing and moisturizing the face can very well be treated.

Shaping the Wild

Few start shaping their beard, within a month, but it is recommended that beard should be let loose for minimum a month. Right after fighting off the itch and moisturizing the face, its time to give the beard shape. While talking about shape of the beard, number of people are seen to opt for full grown beard where the beard ends in making narrow conical shape close to the chin. Well while shaping beard before mirror it takes time for sure also there lurks a chance of messing everything up.


How to Shop for A Cheap Gaming Desk?

I love the word gaming. I love the word gaming desk too. I guess we all as youngsters especially teenagers love games on PCs and mobiles. You should see the way these gaming freaks wait impatiently for a game to be released. They are ready to pour down money for the booking of the game too. Did you know that there are gaming freaks who played games up to the extent that they never realized they didn’t have food for a day or so? Man, you should know the way people played the latest mobile game- Pokemon Go. The game went viral among the crazy gamers. The best part was that there was a swarm of freaks that were in their in the late 30s and 40s too who went absolutely crazy about the game. There are of course a lot of games that are tempting and addictive like this.

Now the thing is that you are a gamer- an addictive gamer and are professional too. You would definitely require a huge space to create an excellent gaming console given the quickness and the reduced time delay in the game that would cost you a hell much. The speed of the internet and the hardware of the system and not to forget the huge space and the number of monitors that you would require to play the game effectively is also an important factor that cannot be ignored.

How to Shop for A Cheap Gaming Desk

Let us talk about the space you would need for your gaming console. That again depends on the space you’ve got for it. Don’t worry because we have identified cheap gaming desk for all room sizes so that you wouldn’t have issues with your limited space. Here are some names of models you might want to look upon according to your requirements:

  • Atlantic 33950212 Gaming Desk Pro
  • Walker Edison Soreno 3
  • Tribesigns Modern Simple Style Computer Desk
  • HomCom 64″ Modern L-Shaped

Happy shopping!