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There May Be Trouble Ahead

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Bankruptcy attorneys all over the country are reporting that their business is up 25-50% over last year. The reason? New bankruptcy legislation is set to take effect later this month, and the laws are much stricter than in the past. That may be the case, but the fact that tougher laws are coming doesn't mean that everyone should rush out to declare bankruptcy. Still, many people are undoubtedly wondering if their own situation warrants such a drastic choice.



Here are a few things to consider when deciding if you should file:

# You are writing checks when the money isn't there – This is something that most everyone has done from time to time. Your bill is due on Tuesday, but you don't get paid until Friday. So you write the check, put it in the mail, and hope that by the time the check clears, you'll have your paycheck. There are a couple of problems with this. The time it takes for a check to clear is much shorter than it used to be. Checks can often clear overnight, and if the money isn't there, you can be assessed late fees by both your bank and the payee. As a bonus, we should point out that it's illegal to write a check when you know that the money isn't in your account.

# Are you paying for groceries with credit cards? We don't mean doing so when you forgot your checkbook; we mean doing so when your checkbook is empty. Groceries are a recurring expense. You need to eat each and every month, so you should have money set aside for food. If you don't', and you find yourself using your Visa card to buy your milk, you've probably got a serious problem.

# Your credit cards are maxed out and you are applying for new ones – When your cards are full, it's time to pay down the balances. If you are applying for still more credit because the cards you have are full, you're in trouble. More credit won't make the problem better; it will undoubtedly make it worse.

These are just a few things that might be warning signs of serious financial trouble. If you find yourself doing one or more of them on a regular basis, it's time to take a serious look at your total financial situation. Now might be a good time to discuss this with either a credit counselor or a bankruptcy attorney. And nothing good comes from waiting, so do it soon.
There May Be Trouble Ahead
Are you a parent who has a teenager who uses the internet? If you are, do you know that your teenager may run into trouble online? Their chances increase when they are using the internet to socialize with friends or make new friends. Your child may unintentionally fall victim to a child predator online or they may be harassed by those that they know online. But, would you know if your child is in trouble?

For your convenience, there are four signs that your teenager may be in trouble online. If any of these signs apply to your child, you will want to take action right away.

1 – They Get on the Computer at the Same Time Everyday

What many parents do not realize is that children and teenagers can easily become targets of online child predators. Many also do not realize that this process doesn’t always happen overnight. Some child predators pretend to be the ages of their targets. They then work to gain the trust of those targets. This can take a few days or a few weeks. You may be able to tell if this is happening though if your child gets on the internet at the same time, every single day. This is a good sign that they are communicating directly with someone, who may not have pure intentions.

2 – They Are Secretive When They Use the Computer

How does your child act when they are using the computer? Does your child try to hide what they are doing online from you? If they automatically shut off the computer or put a game on the screen, they may be trying to prevent you from seeing what they are doing online. This is a good sign that your child may be doing something they shouldn’t be doing online, like having direct, personal conversations with a stranger, who may be a child predator.

3 – They Are Very Happy When Getting Off the Computer

If your child is overly happy when they sign off the internet, they may be on the path to trouble. This sign can be a little bit tricky though. Your child may be happy because they just finished a long school project, but you honestly never know. If your teenager is communicating with someone online, they may be in the process of starting a relationship, which they are happy about. Unfortunately, many teenagers do not realize that anyone can hide behind a computer. That is why it is important that you talk to your child about the dangers of starting an online romance.

4 – They Are Very Depressed

As previously stated, your child may be very happy when using the internet, but another warning sign is that they are depressed, especially when they sign off the computer. What many parents do not realize is that other teenagers use the internet for harassment. If your teenager has a falling out with one of their friends, they may find themselves being harassed online. If that is the case, your child may seem very down, depressed, and withdrawn.

The four above mentioned signs are just a few of the many that you will want to look for to see if your child is in trouble online. With that said, there are additional signs that you will want to be on the lookout for, the biggest being a change in behavior. If you do suspect that your child has or is about to run into trouble online, be sure to talk to them and as soon as possible.
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Both Charles Essmeier & Daniel Spivey are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

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Bachelor Degree In Architecture
The question probably shouldnt be if a bachelor degree is worth what it was. The question we should be asking is if there is anything we can do to fix the mess that our educational system is in
 
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