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How to Survive Personal Bankruptcy

Written by 9rules Blog on September 21, 2015

It’s not all the time that people are financially stable with a steady job or business to support them and their families. Certain circumstances lead them to drain their personal savings and go into debt such as losing a job, going through divorce or their business going bankrupt.

If you’re one of those facing debt and having difficulty paying your dues despite having a regular job, filing for Chapter 13 bankruptcy can be your best option. This is if you have already exhausted all means to help you settle your debt.

financial debt

In the U.S., 35 percent of Americans have unpaid bills and debts according to a research done by the Urban Institute. Their unpaid bills include those for credit cards and hospital expenses while their debts are caused by failure to make timely payments for mortgages, auto loans, student loans, gym memberships and cellphone contracts among others. (more…)

What A Bankrupt City Goes Through

Written by 9rules Blog on September 21, 2015

Many people dread suffering from bankruptcy. But although this is the case, their habit or carelessness most often lead them to this path. The same is true with cities. In the U.S. alone, many towns, counties and metropolitan areas have filed for bankruptcy in the past and in recent years and quite a number of them are still recovering.

On the part of a private individual, being broke means facing huge debts and not having the immediate finances to settle them. Cities go through the same situation although the causes differ greatly.

What Happens When a City Goes Broke?

Detroit Bankruptcy

A city is likely to file for Chapter 9 of the federal bankruptcy code when it has depleted its funds and is having difficulty finding financial resources and settling its debts. The act aims to seek protection from the creditors and assistance on how to best settle its financial obligations. (more…)

Is Drowsy Driving Worse Than Drunk Driving?

Written by 9rules Blog on September 9, 2015

Drunk drivers are a nightmare on the road, causing extreme risk to those around them. According to MADD, around two out of every three people will be involved in a drunk driving accident in their lifetime, 29.1 million people admitted to driving drunk at some point during 2012, and in 2013, one person died every 52 minutes from an accident caused by drunk driving. It’s an epidemic that has swept the nation since vehicles were invented.

But according to some recent findings, drunk driving may not be the worst threat on the road. In fact, it seems that drowsy driving is actually worse than drunk driving. To prove it, researchers have put both drunk and drowsy driving to the test to determine which is more dangerous to fellow drivers.

drowsy_driving

Drowsy Driving Worse Than Drunk Driving: Confirmed

The television show MythBusters put the question of drunk vs. sleep-deprived driving to the test. This after one study by the AAA Foundation for Traffic Safety found that 17 percent of all fatal car accidents (one in six) was caused by drowsy driving. (more…)