Crisis hotlines turning to text to reach teens

NEW YORK (AP) ? They stream in a couple of dozen times a week, cries for help in bursts of text to DoSomething.org, a nonprofit more used to texting out details to teens on good causes and campaigns than receiving them from young people in crisis.

"I feel like committing suicide," one text read. "What's the suicide hotline number?" Another asked: "How do you tell a friend they need to go to rehab?"

DoSomething isn't a hotline, but its CEO, Nancy Lublin, decided to, well, do something. She's leading an effort to establish a 24/7 national text number across trigger issues for teens in the hope that it will become their 911, perhaps reaching those who wouldn't otherwise seek help using more established methods of telephone talking or computer-based chat.

"Most of the texts we get like this are about things like being bullied," Lublin said. "A lot of things are about relationships, so we'll get texts from kids about breakups, or 'I like a boy, what should I do?' But the worst one we ever got said, 'He won't stop raping me. It's my dad. He told me not to tell anyone. Are you there?'"

Lublin hopes the Crisis Text Line, due to launch in August, will serve as a New York-based umbrella, shuttling texts for help to partner organizations around the country, such as The Trevor Project for gay, lesbian, bisexual and questioning youth or other groups already providing hotlines on dating and sexual abuse to bullying, depression and eating disorders.

As more teens have gone mobile, using their phones as an extension of themselves, hotline providers have tried to keep up. Fewer seem to operate today than in decades past. A smattering reach out through mobile text, including Teen Line in Los Angeles, though that service and others offer limited schedules or are "siloed," as Lublin put it, specializing in narrow areas of concern when multiple problems might be driving a teen to the brink.

Some text providers operate in specific towns, counties or regions and-or rely on trained teen volunteers to handle the load across modes of communication. Several agreed that text enhances call-in and chat options for a generation of young people who prefer to communicate by typing on their phones, especially when they don't want parents, teachers, friends or boyfriends to listen in.

"We've had people who are walking and they just needed to get out of their house because they had an argument with their parent, so they're texting us as they're calming down," said Jennifer James, who supervises chat and text outreach for Common Ground, which also serves adults from its base in southeastern Michigan.

Katie Locke, 26, in Philadelphia was one of those teens in 2006, when she found herself in a suicidal panic after a fight with an old friend.

At 18, she said she grabbed her phone, left her college dorm room and headed out in the cold to sit on a bench to talk with a worker on a crisis phone line she knew from one of her favorite blogs. The number was the only one she had handy and it didn't offer text, which she would have preferred.

"People don't always have the (mobile phone) minutes or aren't in a position where they can speak aloud if they're in danger from somebody around them," Locke said. "I know for me there were other times when I probably should have called a crisis hotline and didn't because of the anxiety about calling. That was such an enormous barrier, to have to dial a phone number."

Brian Pinero, director of the National Dating Abuse Helpline run by a nonprofit called Love is Respect, knows that lesson well.

The organization launched phone and computer-based chat in 2007, and chat quickly grew to the more heavily used method of contact. The Austin, Texas-based group launched text in 2011 and it's now about 20 percent of the operation, Pinero said.

"Many times the phone is actually the most powerful computer in the home, but also for people who are of lower socio-economic status, they may not have the ability to engage in chat. Text messaging is something that is even offered on pay-as-you-go phones."

According to research from the Pew Internet & American Life Project, one in four teens is a "cell-mostly" Internet user. Texting among teens increased from about 50 texts a day in 2009 to about 60, with the number running into hundreds for some.

"Phone calls are not the way young people express themselves," said Danah Boyd, a senior researcher at Microsoft Research and an assistant professor of media, culture and communication at New York University.

"And one of the big problems that's emerged is hotlines are splintered across a ton of different phone numbers. Young people don't know them," said Boyd, who sits on the board of Crisis Text Line.

Comparisons of text hotline volume and efficiency are hard to come by. Researcher Deb Levine, executive director and founder of the nonprofit ISIS, for Internet Sexuality Information Services, said it's clear the number of hotlines of all kinds has declined significantly since a heyday in the Just Say No 1980s.

But chat and text help have been on the rise for more than two years, she said. Most are small-scale operations serving specific communities, said Levine, who lives in the San Francisco Bay area.

"Hotlines are always going to serve a purpose for some teens. Some of them are going to pick up the phone and call, some of them are going to text. I do believe that there's only so much you can do in 160 characters," she said. "There is a power to voice."

The Planned Parenthood Federation of America is in its second year of running one of the largest text and chat outreach operations for people ages 15 to 24, targeting African-American and Latino youth through promotional campaigns on MTV, websites and mobile providers, social media, wallet cards, video and Seventeen magazine.

Through February, nearly 185,000 conversations ? 22,447 via text ? were recorded, according to Planned Parenthood. About a third of conversations on health-related topics ? including birth control, abortion and pregnancy tests ? were with users both under 25 and African-American or Latino.

And nearly all chat and text users ages 15 to 24 agreed or strongly agreed that they were satisfied with their conversations, indicating significantly decreased levels of worry afterward.

"What we've seen from our online chat and text-messaging program is that they appreciate a real answer, in real time, from a real person," said Leslie Kantor, Planned Parenthood's vice president of education.

Evie Priestman, 14, an eighth-grader in Arlington, Va., has called hotlines as recently as a month ago, when she reached out for information on fending off suicidal thoughts, but she hasn't tried text.

"I think teens would definitely use a hotline if they could text to it. I know I would," she said. "Most teens keep their feelings to themselves."

Debbie Gant-Reed sees the need every day. She's the crisis lines coordinator at a 24-hour help line in Reno, Nev., called the Crisis Call Center. The center has been providing 24-hour text help for two and a half years, fielding about 500 text conversations a month.

"We're now taking texts from all over the country," she said. "You can chat all you want but you're going to get older people. Young people don't chat. They text."

___

Follow Leanne Italie on Twitter at http://twitter.com/litalie

___

Online:

http://www.crisistextline.org/ (text service scheduled to launch in August)

Planned Parenthood Federal of America text line video: http://www.youtube.com/watch?v=qYj4TF4c42Y (text PPGO to 774636)

National Dating Abuse Helpline: http://www.loveisrespect.org/about-national-dating-abuse-helpline

National Suicide Prevention Lifeline: http://www.suicidepreventionlifeline.org/ (phone and chat service only)

Crisis Call Center: http://www.crisiscallcenter.org/crisisservices.html (text ANSWER to 839863)

Teenlineonline.org: Teen Line in Los Angeles (text TEEN to 839863)

Source: http://news.yahoo.com/crisis-hotlines-turning-text-reach-teens-160806045.html

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BlackBerry's Android Bet Is Paying Off

BlackBerry's App World now touts 100,000 BB10 applications. An impressive number for a platform just months old. But out of those 100,000 applications, roughly 20% are Android apps, simply ported over rather than being coded specifically for BlackBerry 10. This is a win for BlackBerry. It's a big win. Android or native, it shows that BlackBerry is successfully pulling developers into its fold. Even without the Android apps, App World still has roughly 80,000 native BB10 apps. As it sits right now, the Android ports are simply holding seats for big apps.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/M_P4aOdGmBY/

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Internet Marketing Needed- List building | Internet Marketing

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Source: http://www.freelancer.com/projects/Internet-Marketing/Internet-Marketing-Needed-List-building.html

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How diabetes drug delays aging in worms

Mar. 28, 2013 ? A widely prescribed type 2 diabetes drug slows down the aging process by mimicking the effects of dieting, according to a study published today using worms to investigate how the drug works.

Following a calorie-restricted diet has been shown to improve health in later life and extend lifespan in a number of animals, ranging from the simple worm to rhesus monkeys. The type 2 diabetes drug metformin has been found to have similar effects in animals but until now it was not clear exactly how the drug delays the aging process.

Researchers supported by the Wellcome Trust and Medical Research Council looked at the effects of metformin on C. elegans worms that were grown in the presence of E. coli bacteria, a relationship similar to that which humans have with the 'healthy' bacteria in our gut. They found that the worms treated with metformin lived longer only when the E. coli strain they were cultured with was sensitive to the drug.

Dr Filipe Cabreiro from the Institute of Healthy aging at UCL, who led the research, explains: "Overall, treatment with metformin adds up to 6 days of life for the worm which is equivalent to around a third of its normal lifespan. It seems to work by altering metabolism in the bacteria that live in the worm, which in turn limits the nutrients that are available to the worm host and has a similar effect to restricting the diet."

Bacteria living in the gut have an important role in helping the host organism to digest and extract nutrition from food. Defects in gut bacteria have been linked to metabolic diseases such as obesity, diabetes, inflammatory bowel disease and cancer. It has also been suggested that gut bacteria may have an impact on the aging process, but this is the first study to suggest a mechanism for how this works.

The team used strains of E. coli with defects in genes that are linked to metabolism and tweaked the levels of nutrients available to tease out which metabolic pathways might be affected by the drug. They found that treatment with metformin disrupted the bacteria's ability to metabolise folate, a type of B-vitamin, and methionine, one of the building blocks of proteins. This limits the nutrients that are available to the worm and mimics the effects of dietary restriction to enable the worms to live longer.

However, when they added an excess of sugar to the diet, the team found that the life-extending effects of metformin were cancelled out. As the drug is used as a treatment for diabetes caused by elevated glucose levels in the blood, this finding is particular relevant for understanding how the drug works in people.

Professor David Gems, who directed the study, said: "We don't know from this study whether metformin has any effect on human aging. The more interesting finding is the suggestion that drugs that alter bacteria in the gut could give us a new way of treating or preventing metabolic diseases like obesity and diabetes."

Metformin is currently one of the most widely prescribed drugs and the findings should help to inform how it is used in patients.

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Story Source:

The above story is reprinted from materials provided by Wellcome Trust, via EurekAlert!, a service of AAAS.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. Filipe Cabreiro, Catherine Au, Kit-Yi Leung, Nuria Vergara-Irigaray, Helena?M. Cochem?, Tahereh Noori, David Weinkove, Eugene Schuster, Nicholas?D.E. Greene, David Gems. Metformin Retards Aging in C.?elegans by Altering Microbial Folate and Methionine Metabolism. Cell, 2013; 153 (1): 228 DOI: 10.1016/j.cell.2013.02.035

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/~3/tv-92dVqdys/130328125106.htm

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Legal scholarship highlight: A clinic's place in the Supreme Court ...

As most readers of this blog are well aware, the past several years have witnessed the emergence of a new phenomenon: clinics in law schools that litigate cases in the Supreme Court. (I co-direct one at Stanford.) Although some commentators have written about the pedagogical goals and benefits of such clinics, no one yet has written about their public interest mission. This Article takes up that task.

It begins by empirically testing, for the first time in modern literature, the clinics? foundational assumption: that litigants in the Court who are represented by inexperienced (and often under-resourced) counsel instead of Supreme Court specialists are generally at a distinct disadvantage.? To do so, the Article surveys 356 merits cases from October Term 2004 through October Term 2010 in which clinics might plausibly have represented an individual against a governmental or corporate entity.? In about 44% of those cases, Supreme Court specialists (as that term is defined by Richard Lazarus in his 2008 article about the modern Supreme Court bar) represented the individuals; nonspecialists represented the individuals in the remainder of the cases.? Litigants represented by specialists fared much better. They won 67% of their cases as petitioners and 32% as respondents, while individual litigants represented by nonspecialists won only 48% of their cases as petitioners and 14.5% as respondents.? And the subset of cases handled by clinics is consistent with this differential: clinics? clients prevailed 70% of the time as petitioners and 35% as respondents.

None of these statistics is meant to suggest that Supreme Court specialists, much less clinics, ought to handle every Supreme Court case.? There are undoubtedly many highly skilled lawyers across the country who can, and do, provide excellent representation in such cases. But my empirical analysis does indicate that lawyering matters a great deal in the Supreme Court ? notwithstanding the perception of many that ?the law is the law? and that the Court?s view of, say, the Fourth Amendment or the Fair Labor Standards Act will not be affected by advocacy.? Indeed, according to the numbers in this Article, the outcome in perhaps as many as one in five cases turns on the identities of the lawyers.? That is no small matter in a system in which the Court?s decisions determine not only the rights or obligations of the parties before it but also dictate the course of the law and the resolution of untold disputes for years to come.? Moreover, although I do not attempt to statistically analyze differences in outcomes at the cert. stage, my instinct is that they are likely to be even more influenced by lawyering than merits outcomes.

Accordingly, many litigants who would otherwise be represented by trial or local counsel may well stand to benefit from the expertise and resources that a Supreme Court clinic can offer.? First and foremost, clinics can level the representational playing field to the benefit of traditionally underserved litigants. Clinics can also aid the Justices and help bring balance to certain areas of the law that otherwise might tend to be skewed by inequalities in lawyering. Both of these things serve the public interest.

At the same time, the fact that Supreme Court cases generate reverberations far beyond the specific parties involved ? indeed, sometimes beyond the courts themselves ? means that operating a Supreme Court clinic presents special challenges and responsibilities. ?In particular, insofar as clinics have control over which cases they bring to the Court and can cause the Court to hear cases that it might not otherwise have heard, the clinics? work can implicate sometimes latent tensions between client-centered representation and cause-based advocacy. The Article is forthright that when it comes to selecting (and, to lesser extent, handling) cases in the Court, there are not always easy ways to navigate these competing approaches to public interest lawyering. But it explores the ethical, practical, and normative issues that operating a Supreme Court pro bono practice raises.

Posted in Academic Round-up, Featured

Recommended Citation: Jeffrey Fisher, Legal scholarship highlight: A clinic?s place in the Supreme Court bar, SCOTUSblog (Mar. 11, 2013, 2:01 PM), http://www.scotusblog.com/2013/03/legal-scholarship-highlight-a-clinics-place-in-the-supreme-court-bar/

Source: http://www.scotusblog.com/2013/03/legal-scholarship-highlight-a-clinics-place-in-the-supreme-court-bar/

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Lil' Kim Camp Blasts Blog For Implying Her Face Is 'Distorted'

'We at Team Lil' Kim are not taking this lying down,' rep says about a gossip item commenting on the rapper's looks.
By Gil Kaufman

Lil' Kim
Photo:

Source: http://www.mtv.com/news/articles/1703287/lil-kim-mediatakeout-gossip-blog-beef.jhtml

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Link Ink: 'Adventure Time' Pancake, 'Iron Man 3' In Japan And Michael Keaton's New Role

Video: A pancake artist by the name of Rogelio cooks up a tasty-looking Jake the Dog of Adventure Time fame at his restaurant in Mexico City. All it needs is bacon. [Neatorama] Movies: Tony Stark and Pepper Potts cuddle in the Japanese Iron Man 3 poster. [Kotaku.jp] Movies: Former Batman Michael Keaton is going to star in a movie about an actor who was once famous for playing a superhero andmanmyheadhurtsbutthemovieiscalled Birdman. And no, it's not about Harvey Birdman. [THR]
Toys: WizKids has unveiled a silhouette of its upcoming Free Comic Book Day 2013 HeroClix figure, which ties into Iron Man 3. [Marvelousnews] Conventions: The Small Press Expo has announced guests for its September 13-14, 2013 show, including Seth, Gary Panter, Lisa Hanawalt, Gene Yang and Frank Santoro. [TCR]

Source: http://www.comicsalliance.com/2013/03/06/link-ink-adventure-time-jake-pancake-iron-man-3-japan-spx-guests/

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Solavei starts carrying nano-SIMs for iPhone 5 nomads

Those who want to use an unlocked iPhone 5 in the US beyond AT&T have had relatively few places to go for an exodus, T-Mobile and Straight Talk usually being the two carriers on the short list. It's time to add a third: Solavei is now carrying nano-SIMs for its T-Mobile-based virtual network. There's not much mystery to what's involved after that, since you're still getting the singular, all-unlimited $49 plan and no guarantee of 3G when even T-Mobile's own spectrum refarming is still young. If you can live with those potential caveats for the sake of network and contract independence, Solavei is waiting.

Filed under: Cellphones, Mobile, Apple, T-Mobile

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Source: Solavei

Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/m1p_2nUrYsk/

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Sprint encourages customers to unlock old phones and use them on prepaid networks

A day after the White House came out in support of unlocking cell phones, Sprint (S) announced a new program that encourages customers to use their old devices on prepaid carriers that utilize its network. The ?Bring Your Own Sprint Device? program looks to reduce the number of inactive phones in the U.S. and keep them out of landfills. At the same time, it intends to help Sprint?s MVNO partners?attract customers by offsetting the burden of phone subsidies through the ?reactivation of used and inactive Sprint-branded devices? on qualified price plans. Sprint?s press release follows below.

Sprint Gives MVNOs an Alternative to Phone Subsidies Through ?Bring Your Own Sprint Device? Program

[More from BGR: Samsung executive defends sticking with plastic for its smartphone casings [updated]]

Latest program from Emerging Solutions & Global Wholesale enables MVNO customers to activate idle phones on the Sprint network, reducing the number of inactive phones in the market, diverting phones from landfills

OVERLAND PARK, Kan. (BUSINESS WIRE), March 05, 2013 ? As the opportunity to reuse or recycle idle mobile devices in the United States continues to grow, Sprint (NYSE:S) Emerging Solutions & Global Wholesale today introduced the Bring Your Own Sprint Device (BYOSD) program.

BYOSD is intended to help Mobile Virtual Network Operators (MVNOs) address the growing number of inactive devices in the marketplace and offset the phone subsidy burden through the reactivation of used and inactive Sprint-branded devices on qualified MVNO price plans.

In the United States alone, the U.S. Environmental Protection Agency (EPA) estimates 135 million cell phones are discarded each year. Reusing or recycling these phones could save enough energy to power more than 24,000 homes for a year. With BYOSD, MVNO customers simply bring a deactivated Sprint device to their MVNO, who must determine the device?s eligibility for the BYOSD program. Upon meeting those specifications, the device is then activated by the MVNO.

?BYOSD is another way that Sprint enables MVNOs to offer flexible, financially sensible and environmentally minded solutions to their end users,? said Matt Carter, president, Emerging Solutions & Global Wholesale at Sprint. ?This program not only gives our MVNO customers a chance to make a positive impact on our environment, but also allows them the chance to do so in a way that benefits their bottom line.?

?A program like this can help to remove the subsidy burden off of burgeoning MVNOs, helping them to thrive in the competitive wireless landscape,? said Steve Hilton, principal analyst with Analysys Mason.

Sprint ranks No. 3 on Newsweek?s 2012 Green Rankings of the nation?s 500 greenest companies and is the only telecommunications company in the top 25.

Source: http://news.yahoo.com/sprint-encourages-customers-unlock-old-phones-them-prepaid-005757134.html

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Judge says he will rule on "Whitey" Bulger's immunity claim

BOSTON (Reuters) - A judge said on Monday he would decide on accused Boston mob boss James "Whitey" Bulger's claim that he cannot be tried for 19 killings because former prosecutors gave him immunity.

District Court Judge Richard Stearns said there was no reason to put off a decision on Bulger's claim, noting that there would be little reason to go forward with a trial if Bulger could prove he had a valid claim to immunity.

Defense lawyers request that the immunity claim be settled at trial.

"It would present a disservice to judicial economy and the orderly administration of justice to sit idly by awaiting the raising of an objection that is now ripe and which defendant has unequivocally indicated his intent to invoke," Stearns said in court papers.

Bulger was arrested in 2011 following 16 years on the run after he fled Boston on a tip from a corrupt FBI agent that arrest was imminent.

His attorneys have argued that former Assistant Attorney Jeremiah O'Sullivan gave him immunity from prosecution for crimes committed while he ran Boston's "Winter Hill" gang in the 1970s, '80s and early '90s.

Bulger, 83, has pleaded not guilty to all charges.

When prosecutors offer a suspect immunity from prosecution from a previously-committed crime, they often do so in exchange for information on a more serious offense. Bulger's attorney, J.W. Carney of the Boston law firm Carney & Bassill, said last month that his client had never been an informant.

"James Bulger was never an informant to the FBI or anyone else at any time," Carney told reporters after a hearing on Bulger's immunity claim.

He declined to say why O'Sullivan, who died in 2009, would have given Bulger immunity if not in exchange for information.

O'Sullivan in 2003 Congressional testimony, denied giving immunity to Bulger or any other members of his gang.

Assistant Attorney Zachary Hafer in a Friday court filing called Bulger's claim to have received immunity without exchanging information "strange and unsubstantiated."

Stearns said on Monday that any grant of immunity would not have given Bulger the right to commit murder.

"Any grant of prospective immunity to commit murder was without authorization and is hence unenforceable under any circumstance," Stearns said.

Bulger's name was prominent on the FBI's "Ten Most Wanted" list for years before his arrest in California.

He faces a maximum sentence of life in prison if convicted on all charges and his trial has been scheduled to begin in June.

His case inspired Martin Scorsese's 2006 Academy Award-winning film "The Departed."

(Reporting By Scott Malone; editing by Andrew Hay)

Source: http://news.yahoo.com/judge-says-rule-whitey-bulgers-immunity-claim-203755701.html

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Andy Plesser: The New York Times has Created a Link-Centric Search Engine

The New York Times R&D Labs has created a prototype search engine that provides Times article results with embedded links to sources outside of the paper, says Michael Zimbalist, VP for Research and Operations in this conversation with Forrester Principal Analyst Joanna O'Connell.

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As an example, he says the search engine allows users to input the name of a college and then see Times articles containing alumnae of the college regardless of whether of or not the article mentions explicitly that the subject attended the college or University.

Zimbalist frames the initiative as part of the "linked data" movement, also known as the "semantic web," as a way to surface up content which had not been previously linked.

He explains this and the other implications of "big data" for the media industry in this segment from the Beet.TV Big Data Summit at NBC News presented by RAMP.

You can find this post on Beet.TV

?

Follow Andy Plesser on Twitter: www.twitter.com/Beet_TV

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Source: http://www.huffingtonpost.com/andy-plesser/the-new-york-times-has-cr_b_2799110.html

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Tips, Techniques, And Advice For Anyone Considering Bankruptcy

If the IRS has begun repossessing your assets, bankruptcy could be of help. While bankruptcy is a big hit to your credit history, it can be the only option. You can find out more about filing for personal bankruptcy, as well as the consequences of this action, by reading the information presented here.

Filing for personal bankruptcy does not always mean discharging 100% of your debts. In some cases, if chapter 13 bankruptcy is what you file for, your debts will be restructured instead. This ensures that creditors still get some of what they?re owed. Many people don?t like to file for bankruptcy, because it seems as if they aren?t paying for their debts which is irresponsible. Chapter 13 helps individuals make plans on how to pay their creditors, as they try to go out from overwhelming debts.

Do not let bankruptcy consume you, make sure you make time for your friends and family. Bankruptcy can really wear down your emotional reserves. It is long, full of stress and leaves individuals having feelings of shame and guilt. Some people do not even want to speak with others until the bankruptcy is official. However, this isolation will just make you feel worse, and it could cause you to be depressed. It?s imperative that you spend as much time with loved ones as you can, even in the midst of your financial dilemma.

TIP! It is important to look at your financial situation from all possible angles before you decide to file for bankruptcy. Consult with a bankruptcy attorney to see if an interest rate reduction or debt repayment plan is an alternative to filing for bankruptcy.

Two to three months following your bankruptcy hearing, get a copy of your credit score from the major reporting agencies. Check to make sure your credit report accurately reflects your recently discharged debts. You want to start building up your credit score from an accurate base, so it?s important to address any errors you find in your reports immediately.

There are differences between Chapter 13 bankruptcy and Chapter 7; be sure to familiarize yourself with both. Be sure you go on the Internet and do your research to see what?s best for you. If something doesn?t make sense to you, go over it with your lawyer prior to choosing which one to file.

It may be counterintuitive, but in some cases, pulling the trigger and filing for bankruptcy may have better credit consequences than continuing a pattern of credit delinquencies. Bankruptcy stays on your credit for quite some time. On the other hand, you can begin improving your damaged credit immediately. One of the best benefits to bankruptcy is the promise of a fresh start.

TIP! Don?t just assume bankruptcy is the right option, especially if you have not considered others. One option to consider is credit counseling.

Do not just assume they each debt you have will be completely wiped away when filing for Chapter 7. You may need to reaffirm certain secured debts. As a result, you must sign another agreement that says you?ll repay them. In addition, under certain circumstances, some debts can?t be discharged. For instance, you could not discharge child support obligations, court-sanctioned fines or even alimony payments through chapter 7.

It is possible to obtain new vehicle and home loans while a Chapter 13 case remains active. However, it will be a longer and more arduous task. Your trustee must approve any new loans such as this. Draw a budget up and show how you can pay the newer loan payment. You also need to be prepared to answer questions about your need for the new item.

Get the word ?shame? out of your head when filing for bankruptcy. It is not uncommon for bankruptcies to elicit feelings of guilt, remorse and embarrassment. Learn to accept these feeling at face value? you can?t prevent yourself from feeling them, but you can stop them from controlling you. If you want to cope with your bankruptcy filing successfully, you must maintain a positive point of view.

Before filing for bankruptcy, hire a qualified attorney. Personal bankruptcy is quite complex, and it is entirely possible that you will not be able to familiarize yourself with all the laws and processes. Personal bankruptcy attorneys can help make sure everything is done properly.

TIP! Do a little bit of research into the regulations having to do with filing for bankruptcy before you begin the process. Your case may be rife with issues due to pitfalls inherent in codes regarding personal bankruptcy.

If you feel that bankruptcy filing may be right for you, seek some legal advice first from a specialist lawyer. A qualified attorney could give you advice that is necessary for filing and could represent you as you go to court making the process simpler. A lawyer will be able to file and fill out all of the necessary paperwork, as well as answer any questions that you may have.

You should check with the personal bankruptcy resources available online to educate yourself thoroughly before you begin the process. The United States Department of Justice, American Bankruptcy Institute, along with many other websites can provide you with the information you need. The more you know, the better prepared you will be to make the best decisions and ensure that your bankruptcy goes smoothly.

As your read at the start of this article, there is always the option of personal bankruptcy. But, filing ought not to be an automatic decision, as it does have serious implications. Staying informed on how to manage this situation could prevent you from experiencing headaches and it can also help you keep your valuables.

Under no circumstances should you take out a huge cash advance on any of your open credit cards before filing for bankruptcy. This is fraud, and you will be required to pay that money back.

tips

Source: http://hwm.cc/?p=611

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Expectant parents die in crash; baby born at scene

Eli Wohl / VosIzNeias.com via AP

First responders work at the scene shortly after a car accident in Brooklyn, New York, took the lives of an expectant couple Sunday, March 3, 2013.

?

By Alexander Smith, BreakingNews.com, and Tracy Connor, NBC News

A young couple en route to a hospital to have their first child was killed in a car crash in New York City early Sunday but the baby was born at the scene and survived.

Nathan and Raizy Glauber, both 21 and Orthodox Jews, were using a car service to go to the hospital when another vehicle crashed into the side of theirs at an intersection in the Williamsburg neighborhood of Brooklyn, Hasidic community activist and family friend Isaac Abraham said.

Nathan Glauber was pronounced dead at Beth Israel Hospital, while his wife died at Bellevue, the New York Post and The Associated Press reported.

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Pictures of the scene were posted on Vos Iz Neias, a news site that covers the Jewish community.

The couple's son was delivered at the scene and was taken to a hospital in serious condition, said Abraham, who is also a neighbor of Raizy Glauber's parents and lives two blocks from the scene of the crash.

Abraham said: "The child is in a serious condition in Beth Israel Hospital, in Manhattan. Now we just pray with the child that all medical efforts keep him alive."

PhotoBlog: Victims caskets at their funeral

He added: "I know Raizy because I saw her grow up from a child."

The driver of the vehicle that hit the couple's car fled, police told the AP. No arrests have yet been made.

The Post reported that a BMW was involved and that it was the driver of the BMW who fled the scene, at the intersection of Kent Avenue and Wilson Street.

The condition of the car service's driver is unclear, police said, according to the AP.

Alastair Jamieson, ?NBC News, and The Associated Press contributed to this report.

This story was originally published on Sun Mar 3, 2013 6:06 AM EST

Source: http://usnews.nbcnews.com/_news/2013/03/03/17166773-expectant-parents-killed-in-nyc-crash-baby-born-at-scene?lite

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