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Traveling nationwide for business and making all the flight, hotel and other arrangements myself, I needed help organizing my weekly schedule. I recently read a review explaining the travel apps that the Apple App Store offered, so I decided to check them out. I was pleasantly surprised to see over twenty different travel apps that could assist me with all my travel plans including where to eat, sleep, and even communicate in another language if I needed to.
Airplane travel can be a challenge even when the weather is not an issue, but as iPhone app reviews mentioned the TravelTracker app gives me one touch access to the status of all my flights. All I have to do is enter my itinerary and this travel app does the rest. TravelTracker adds times and dates for each flight, creates a packing list, helps me organize it and tracks my travel expenses. Weather information and delays are posted, and other options are suggested.
The Maps app keeps addresses for hotels, stores and restaurants that I frequent, as well as listing local points of interest. It gives me a satellite view of any area just by tapping a location on my iPhone. There is a GPS system available to take me step by step to any destination in any city I visit.
When my business takes me out of the country two important travel apps to have are: the Currency app and the Lonely Planet Mobile Phrasebooks. The Currency app gives me the exchange rate for the dollar in over ninety different currencies. I can convert a dollar into lire, pounds, or yen just by tapping the screen. This currency app allows me to keep track of how much I am spending in dollars, which can get confusing especially when I'm traveling to more than one country on a specific trip. The Lonely Planet Mobile Phrasebooks on the other hand, gives me the ability to translate words and phrases from English to another language. I am able to say hello in French, Spanish, and German or Japanese easily just by tapping. There are over 350,000 translations and it also has a multi-language slang dictionary.
Usually I entertain when I travel and that's where the LocalEats app plays an important role. This app touches upon restaurants in almost all of the cities I visit. It lists their location and how to contact them. Another great app to use for entertaining is the Zagat To Go ‘09 which gives the names, location and Zagat rating for the top restaurants in most cities. It explains the menu and the type of cuisine they serve. This app also lists the wine selections by vineyard and comments about each restaurant's service, ambiance and price category. Another app that helps me keep track of my expenses is the Tipulator which actually figures the appropriate service tip in any part of the world. This app saves me time and money especially when I am out of the country.
My business trips have gotten easier thanks to advent of iPhone apps. They introduced me to a new world of travel applications which have saved me both time and money. iPhone travel apps have certainly made it easier to go from point A to point B in a more relaxed state of mind and I appreciate and thank the developers for that.
Although your bad debt management has lead to bankruptcy, you need to stop and take a deep relaxing breath, and know that this is not the end of the world, or even your financial future. Usually people panic at the thought of filing for bankruptcy, and having that permanent stain on their credit report, however when the bills are piling so high on the table that you can barely see over them, and there's no end in site, bankruptcy may just be your only way out.
First of all, you need to find yourself a good bankruptcy lawyer. Such a professional will be able to answer all of the touch questions about your case for you such as if your car and home will be protected, and which other belongings and assets that you should worry about. Most people do not realize that there are different types of bankruptcies and that the laws change frequently. You'll want someone who is abreast of these, therefore keeping you out of danger.
This person can also help keep the creditors off of your back while your case is proceeding.
Some people choose to forego the lawyer and try to do it alone, and this I strongly recommend against. The reason being that there are a lot of errors to be made that can be rather costly both in time and in money. Of course you'll want to shop around for the best lawyer, and even then check the validity of his or her credentials and qualifications. You may want to even sneak in on a bankruptcy court just to get an idea of what you've got headed your way.
Mounting bills can result in overwhelming stress that eats at you constantly. Though you may have tried to get through this situation, it may just be that it became impossible for one person to go through this alone. This is who bankruptcy is for, and though some people abuse the system, others need it integrally.
Trying to be a hero is often a useless fight. You're not giving up, on conceding to defeat when you file for bankruptcy. Actually, in cases where nothing else is working, filing for bankruptcy is a very wise decision.
It gives you the chance to start fresh without having to be continually harassed by creditors, and to panic over the mounting piles of bills strung about your home. Think of it as a chance to rebuild a clear credit history.
If you're thinking that you're doomed and that you'll never be able to get any credit, and that the thought of a credit card was useless, you'll quickly see that you're receiving more offers of credit than ever before.
This is because the creditors are savvy enough to know that you'll now be able to more easily pay them since your bills have gone down significantly, plus they know that you're less likely to mess up again after filing for bankruptcy.
If you feel that you're in a desperate situation, it would be a good idea to get some sort of credit counseling, and in a last resort file for bankruptcy to start a clean slate.