Having Trouble Paying Off The Finance On Your Car?

Author:  |  Category: Financial Services

By James Copper

Owning a car is a huge responsibility. Not only do you have to put gas in it, get regular maintenance done on it, and clean it, but you also have to pay the bill for it! Are you one of those people who are having some financial problems and are having trouble paying the amortization of your car? If you are one of those people who are having so much trouble keeping up with your monthly payments, take a short break and evaluate your financial status. You do you do not want to lose that car; you might have to give up some of things that you have in order to reduce the amount of your monthly expenses.

To help you determine what things you will have to give up in order for you to keep up with the payments of your car, make a list. Classify your list into essential and non-essential things. Start crossing out things from the non-essential side of the list. In the event where your non-essential list is too short and you need to give up some of the things on the other side of the list, you better check on your priorities. Determine which things are high in your priority list and work from there.

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Now, what if you come to the point where you have given up most of the things in your life and you still can’t pay for the car? If you are having trouble paying for the amortization of your car and the bank is at the brink of reposing your property, better sell that car now. There is really no point of hanging on to that car if it is already making your life miserable. What’s the use of riding in a flashy car when you have to deprive yourself with some other comforts in life just to pay for its amortization?

According to experts, the best way to get something good about a sticky situation like this is to sell your car and use the proceeds of the sale to pay off your debts. If you sell your car instead of letting the bank repossess it, you have a chance to earn some profit out of the sale. However, when you do decide to sell the car, you better make sure that you sell it before the bank starts the repossession proceedings. Note that once the repossession proceedings start, it will be very difficult for you to stop it.

If you have been behind payments for sometime, call the bank and make a deal. Most banks are willing to negotiate so talk to the loans officer and tell them exactly what you are planning to do. Do not hide from your creditors. Always remember that your credit score will suffer a lit if you start running away from your creditors. Once your credit record is tainted, it will take a lot of time and money to get your credit record cleaned up.

About the Author: James Copper is a writer for

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South African prosecutors charge ANC leader Jacob Zuma with corruption

Author:  |  Category: Uncategorized

Saturday, December 29, 2007 

Corruption-related charges have been brought against Jacob Zuma, the newly-elected leader of the African National Congress (ANC), according to his lawyer. A trial is scheduled to begin on August 14, 2008.

The charges stem from an arms deal with a French company, which is alleged to have involved bribes and fraud. Zuma’s financial adviser at the time, Schabir Shaik, was convicted in 2005 of attempting to solicit a bribe of US$72,500 per year from the arms company on Zuma’s behalf and was sentenced to 15 years in prison. Zuma was fired as deputy president in 2005 by South African President Thabo Mbeki due to the scandal.

Two-term ANC leader Mbeki recently lost an ANC leadership contest to Jacob Zuma, who garnered about 60 percent of delegate votes in his win.

Zuma had been charged with corruption in 2005, but the case was dismissed on procedural grounds. Michael Hulley, Zuma’s defence lawyer, indicated that they will strongly contest the new charges in court. Hulley also suggested that the South African government’s National Prosecuting Authority (NPA) and its anti-organised crime division known as The Scorpions, have carried out a smear campaign against Zuma.

“These charges will be vigorously defended, in the context of the belief that the Scorpions (NPA) have acted wrongly and with improper motive calculated to discredit Mr. Zuma and ensure that he play no leadership role in the political future of our country,” said Michael Hulley in a statement.

Given that the ANC has been the governing party in South Africa since the end of apartheid in 1994, it is likely that Jacob Zuma could become the next president after general elections in 2009. Zuma has said, however, that he would resign if he was found guilty by the courts.

South African prosecutors charge ANC leader Jacob Zuma with corruption

Author:  |  Category: Uncategorized

Saturday, December 29, 2007 

Corruption-related charges have been brought against Jacob Zuma, the newly-elected leader of the African National Congress (ANC), according to his lawyer. A trial is scheduled to begin on August 14, 2008.

The charges stem from an arms deal with a French company, which is alleged to have involved bribes and fraud. Zuma’s financial adviser at the time, Schabir Shaik, was convicted in 2005 of attempting to solicit a bribe of US$72,500 per year from the arms company on Zuma’s behalf and was sentenced to 15 years in prison. Zuma was fired as deputy president in 2005 by South African President Thabo Mbeki due to the scandal.

Two-term ANC leader Mbeki recently lost an ANC leadership contest to Jacob Zuma, who garnered about 60 percent of delegate votes in his win.

Zuma had been charged with corruption in 2005, but the case was dismissed on procedural grounds. Michael Hulley, Zuma’s defence lawyer, indicated that they will strongly contest the new charges in court. Hulley also suggested that the South African government’s National Prosecuting Authority (NPA) and its anti-organised crime division known as The Scorpions, have carried out a smear campaign against Zuma.

“These charges will be vigorously defended, in the context of the belief that the Scorpions (NPA) have acted wrongly and with improper motive calculated to discredit Mr. Zuma and ensure that he play no leadership role in the political future of our country,” said Michael Hulley in a statement.

Given that the ANC has been the governing party in South Africa since the end of apartheid in 1994, it is likely that Jacob Zuma could become the next president after general elections in 2009. Zuma has said, however, that he would resign if he was found guilty by the courts.

Commonwealth Bank of Australia CEO apologies for financial planning scandal

Author:  |  Category: Uncategorized

Thursday, July 3, 2014 

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

Best Ways To Wear Head Scarves

Author:  |  Category: Kitchens

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By Ryan Pauline

Girls just love the multi-use fashion accessory known as head scarves. They are a great tool to cover up a bad hair day, protect a ‘do while driving and even act as a barrier from the elements when you are just hanging out. With hundreds of sizes, variations and color schemes to choose from; it is no wonder why head scarves really are a girl’s best friend. The iconic accessory has had a life span that dates back to ancient times but only in recent years have wearers gotten creative with their uses for head scarves. Here are some of the best ways to wear head scarves.

The Funky Look – Who doesn’t want to jump on board with the funky urban look that is popping up everywhere? From yoga experts to nature activists, the “gypsy” look for head scarves is very popular. You will start with a large rectangular scarf to achieve this look. Choose a head scarf that is made of silk or cotton to avoid anything that is course and may cause hair breakage. Fold the scarf in half the long way. Find the center and place it along your forehead and hairline; tie the scarf in a knot at the base of the neck. The long lengths of the scarf can freely hang for the perfect funky look. If you find that your head scarf is slipping then it may be necessary to secure it in place using a few bobby pins placed right behind the ears.

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The Glamorous Look – Celebrities and other fashion icons have been popping up with head scarves at red carpet events for nearly one decade. Since many events take place outside or in areas where there is a lot of traffic, using a head scarf to create a simple glamorous look without the work of an up-do is a must. This same trend can be used by women when attending weddings or other events where you want a simple yet elegant look that doesn’t require a lot of work. Start by styling your hair as you would like. If your hair is straight or curly, you will want to style it naturally. Next take a square head scarf and fold it across the center diagonally. Fold over the long edge to create a two-inch wide piece. You will likely need to fold the scarf two or three times. Next, place the scarf along the top of your head and tie the ends at the base of the neck. Use bobby pins to secure the look in place. Feel free to pull out a few strands of hair in the front for a wispy bang look to complete the entire hair do.

Stock up on head scarves whenever they are on sale so you have a great collection to work with for any event or occasion that you need a head scarf. Department stores usually have a fair selection of this fashion accessory or you can choose to visit high end designer retail stores and pay the price for an original custom head scarf.

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Chef who appeared on Gordon Ramsay’s ‘Kitchen Nightmares’ commits suicide

Author:  |  Category: Uncategorized

Wednesday, September 29, 2010 

Joseph Cerniglia, a chef who had appeared on Gordon Ramsay’s television show Kitchen Nightmares, has commited suicide. Cerniglia was the owner of Italian restaurant Campania. He jumped off a bridge into the Hudson river on the New York–New Jersey border. At the time of filming in 2007, Cerniglia owed suppliers $80,000.

Officials reported that 39-year-old Cerniglia had jumped off of the George Washington Bridge into the Hudson. His death has officially been ruled as suicide. His body was retrieved from the river after reports of a man jumping off of the bridge.

Ramsay released a statement to the Press Association saying “I was fortunate to spend time with Joe during the first season of Kitchen Nightmares. Joe was a brilliant chef, and our thoughts go out to his family, friends and staff.”

Cerniglia told Ramsay about his personal debt when he came to the restaurant in 2007. He said “I am financially in trouble. The debt of the restaurant alone is overwhelming. My personal debt — wife, kids, mortgage — that’s a lot of debt”.

Chef who appeared on Gordon Ramsay’s ‘Kitchen Nightmares’ commits suicide

Author:  |  Category: Uncategorized

Wednesday, September 29, 2010 

Joseph Cerniglia, a chef who had appeared on Gordon Ramsay’s television show Kitchen Nightmares, has commited suicide. Cerniglia was the owner of Italian restaurant Campania. He jumped off a bridge into the Hudson river on the New York–New Jersey border. At the time of filming in 2007, Cerniglia owed suppliers $80,000.

Officials reported that 39-year-old Cerniglia had jumped off of the George Washington Bridge into the Hudson. His death has officially been ruled as suicide. His body was retrieved from the river after reports of a man jumping off of the bridge.

Ramsay released a statement to the Press Association saying “I was fortunate to spend time with Joe during the first season of Kitchen Nightmares. Joe was a brilliant chef, and our thoughts go out to his family, friends and staff.”

Cerniglia told Ramsay about his personal debt when he came to the restaurant in 2007. He said “I am financially in trouble. The debt of the restaurant alone is overwhelming. My personal debt — wife, kids, mortgage — that’s a lot of debt”.

Chef who appeared on Gordon Ramsay’s ‘Kitchen Nightmares’ commits suicide

Author:  |  Category: Uncategorized

Wednesday, September 29, 2010 

Joseph Cerniglia, a chef who had appeared on Gordon Ramsay’s television show Kitchen Nightmares, has commited suicide. Cerniglia was the owner of Italian restaurant Campania. He jumped off a bridge into the Hudson river on the New York–New Jersey border. At the time of filming in 2007, Cerniglia owed suppliers $80,000.

Officials reported that 39-year-old Cerniglia had jumped off of the George Washington Bridge into the Hudson. His death has officially been ruled as suicide. His body was retrieved from the river after reports of a man jumping off of the bridge.

Ramsay released a statement to the Press Association saying “I was fortunate to spend time with Joe during the first season of Kitchen Nightmares. Joe was a brilliant chef, and our thoughts go out to his family, friends and staff.”

Cerniglia told Ramsay about his personal debt when he came to the restaurant in 2007. He said “I am financially in trouble. The debt of the restaurant alone is overwhelming. My personal debt — wife, kids, mortgage — that’s a lot of debt”.

Designer Chef Coats Are A Great Buy

Author:  |  Category: Kitchen Design

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By Max J. Johnson

In the world of restaurants, it can be hard to get your restaurant to stick out from among this rest. This is because there are so many different places to eat out there that finding your little spot could be like locating a certain hair on the top of your head. The great news is that there are a few tips that you can use to make your restaurant stick out among all the rest, and the best one of these tips is to use designer chef coats. Now, using designer chef coats may not seem like it would help you a lot, but you would be amazed at what it can do for you. Sometimes it’s the smallest changes that make the biggest impact.

Now, the best thing about designer chef coats is the fact that they leave a good impact on your customers. That is because designer chef coats are going to give your restaurant a more up class feel without having to raise the price of your meals. People love to walk into a place and see the employees all dressed up. It can really help to add to the atmosphere of a restaurant. In fact, many business magazines have pointed out the fact that atmosphere is possibly the most important thing that you have to think about when setting up a restaurant, right behind the quality of your food. So if you can improve the atmosphere of your restaurant just buy getting designer chef coats, why not?

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Another thing that is great about designer chef coats is the quality of them. These coats are made to be higher quality than your everyday chef coat, and it shows. However, the money that you put into them you are going to get back. That is because these designer chef coats last a long time. Thus, you are going to have to buy less chef coats over the years than with the other chef coats (which can have you buying new chef coats every year, which really adds up).

Something else that you should note about the quality is the stuff that these designer chef coats are made of. They are made of higher grade fabrics that, not only look nice, but wear nice. The style and the design of most of these coats allows the person who is wearing it the ability to move freely in the coat without it being too baggy. On that same note, they are usually made of fabrics like cotton, which keeps your workers from getting too hot. This is a big problem when working in the kitchen. You want your employees to look nice, because it reflects the class of your restaurant. On that same note, you want your employees to be happy with what they are wearing. Thus, these are the perfect answer. Your workers will look nice, and they are going to love to wear them. These are some of the first chef coats that have ever been made that are as lovely to wear as they are to look at. That is a quality that is hard to find.

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Chef who appeared on Gordon Ramsay’s ‘Kitchen Nightmares’ commits suicide

Author:  |  Category: Uncategorized

Wednesday, September 29, 2010 

Joseph Cerniglia, a chef who had appeared on Gordon Ramsay’s television show Kitchen Nightmares, has commited suicide. Cerniglia was the owner of Italian restaurant Campania. He jumped off a bridge into the Hudson river on the New York–New Jersey border. At the time of filming in 2007, Cerniglia owed suppliers $80,000.

Officials reported that 39-year-old Cerniglia had jumped off of the George Washington Bridge into the Hudson. His death has officially been ruled as suicide. His body was retrieved from the river after reports of a man jumping off of the bridge.

Ramsay released a statement to the Press Association saying “I was fortunate to spend time with Joe during the first season of Kitchen Nightmares. Joe was a brilliant chef, and our thoughts go out to his family, friends and staff.”

Cerniglia told Ramsay about his personal debt when he came to the restaurant in 2007. He said “I am financially in trouble. The debt of the restaurant alone is overwhelming. My personal debt — wife, kids, mortgage — that’s a lot of debt”.