Finance Attitude - 5 Tips to Avoid Filing for Bankruptcy
/Lydia Wanjiru/ -- People who are unable to meet their financial obligations can consider filing for personal bankruptcy. Consumers in most cases file for personal bankruptcy through either chapter 7 or 13 depending on their financial situation. Filing for bankruptcy is a legal process by the Federal court that helps you to eliminate your debts or to ask for a convenient debt settlement plan usually lasting for 5 years. Personal bankruptcy can reduce your credit score rating by 200-250 points. You also risk not getting a loan for 1-5 years after filing for bankruptcy. Personal bankruptcy report stays on your credit report for 7-10 years and this can make most lenders to shy away from giving you a loan. Filing for bankruptcy is thus not an easy way out and can have an adverse effect on your credit report and credit rating. Here are 5 tips on how you can avoid filing for bankruptcy.
REDMOND, Wash.--(BUSINESS WIRE)-- This week’s Nintendo Download includes the following featured content:
LOS ANGELES--(BUSINESS WIRE)-- For the second consecutive year, iHeartMedia Los Angeles’ KOST 103.5’s The Ellen K Morning Show will help kick off the Children’s Hospital Los Angele
DHgate Partners with Premier of Ontario, Canada to Boost Women Entrepreneurship in Digital Trade
Nov. 24, 2017 13:00 UTC BEIJING--(BUSINESS WIRE)-- Today, in Beijing, Diane Wang, the founder and CEO of, one of the most esteemed women entrepreneurs in China, teamed up with Kathleen Wynne, the 1st female premier of Ontario, Canada, for the benefit of Women Entrepreneurs globally. The theme for the meeting was “Digital era, the best era for women entrepreneurs,” which aims to encourage women to leverage digital platforms to start businesses, especially young women. The women hope to accomplish this through a more effective public and private partnership throughout the APEC region, one of the key goals from the Ontario Delegation’s visit to China prior to the Canadian Prime Minister’s Official visit. This press release features multimedia. View the full release here: From Left to Right: Founder and CEO of, Diane Wang; Country Chair of the Man Group, China Yifei Li; Premier of Ontario, Canada Kathleen Wynne; Managing Director of the Yale Center Beijing, Carol Li Rafferty; Founder of Circle2, Em Roblin. (Photo: Business Wire) “As digital technologies advance, the percentage of women entrepreneurs in China has been growing fast year over year, reaching 25% by 2017, compared with just 3.6% a few decades ago. There are only a few moments in history when we have the chance to move forward, move fast, and the moment is now.” remarked Diane Wang. Kathleen Wynne said, “The public should do more to create a more inclusive economy where men and women have the same opportunities in the labor force. We have put out a policy that says we want to see 30% of women on boards in the private sector and in the government we set that to 40%. When you get women involvement at a rate of 30%, there will be different issues that will be discussed.” China is the world’s largest e-commerce market with over 10 million SMEs selling online. In Canada, 90% of export companies are SMEs, but produce only 25% of total Canadian exports. Digital trade is the unprecedented opportunity for Canadian SMEs to increase their share of the export market while at the same time bring in more quality Chinese products into the Canadian market. From Polio Patient to Success Story According to Accenture, digital may be the greatest opportunity in history for women. Dong Liqiong, a polio stricken Chinese entrepreneur, lost her parents early in life, and then her husband. Two years ago, she opened an online store, now her business is thriving and employs 7 other disabled people. She said, “thanks to technology, now I can stand up, just like I always wanted.” Stories like this are common in China, digital platforms give people the chance to stand up, stand out. APEC Women Connect is the Answer During APEC 2017, Prime Minister of New Zealand Jacina Arden mentioned, the lack of social networks is one of the major obstacles holding women entrepreneurs back. A 2017 APEC study with 500 women entrepreneurs across the Asia Pacific region discovered: Maintaining work-life balance is the biggest pain point for women entrepreneurs; Access to financial support and capacity building is the most common obstacle for women entrepreneurs; Access to global resources through local communities is what women entrepreneurs expect most. Under these circumstances, the APEC Women Connect program was initiated, to empower women to realize entrepreneurship through digital. The community already has over 70,000 followers, 10 leading global partners, and participation from industry experts, women entrepreneurs, and female leaders. Diane Wang commented, "Entrepreneurship used to be considered a male-dominated area, but the landscape has changed over the past few years. As more and more technology becomes available, we have seen the percentage of women entrepreneurs grow, and the age of women entrepreneurs is drop. Taking our platform for example, today, most women entrepreneurs on DHgate are actually millennials." With digital technology, women have a loud voice, but the voice can be even louder, the voice should be louder. Digital era, is the best era for women entrepreneurs. About DHgate is the first to market and the biggest B2B cross border e-commerce marketplace in China, providing global importers with quality products at competitive prices. Founded in 2004, has approximately 10 million global buyers from 227 countries and regions, with 1.4 million global sellers offering 40 million products in 8 languages. View source version on Contacts DHgateDaniel Scarpato, Source: DHgate Smart Multimedia Gallery Photo From Left to Right: Founder and CEO of, Diane Wang; Country Chair of the Man Group, China Yifei Li; Premier of Ontario, Canada Kathleen Wynne; Managing Director of the Yale Center Beijing, Carol Li Rafferty; Founder of Circle2, Em Roblin. (Photo: Business Wire) View this news release and multimedia online at:

MEMPHIS, Tenn.--(BUSINESS WIRE)-- ServiceMaster Global Holdings, Inc. (NYSE: SERV), a leading provider of essential residential and commercial services, today announced the appoint
MEXICO CITY--(BUSINESS WIRE)-- PPG’s COMEX® brand today unveiled 30 colorful murals in Mexico City to celebrate the premiere of the Disney•Pixar film ”Coco” as part of its México B
EL SEGUNDO, Calif., Nov. 21, 2017 (GLOBE NEWSWIRE) -- Griffin Capital Company, LLC (“Griffin Capital”) announced today, on behalf of Griffin Capital Essential Asset REIT, Inc. (the “REIT”), the sale of DreamWorks Animation’s Headquarters and Studio Campus, a five-building, 460,000 square foot property (the “Property”) located in Glendale, California, for $290 million. DreamWorks Animation (“DWA”) is an industry-leading animation studio responsible for such commercially successful movie franchises as Shrek, Madagascar, How to Train Your Dragon, and Kung Fu Panda. The REIT acquired the building in July, 2015 for $215 million.  The seller was represented by The Shannon Team of Newmark Grubb Knight Frank.
Preferred Apartment Communities (PRNewsFoto/Preferred Apartment Communities)
Preferred Apartment Communities, Inc. Announces Acquisition of a 180-Unit Multifamily Community in Tampa, Florida
ATLANTA, Nov. 21, 2017 /PRNewswire/ -- Preferred Apartment Communities, Inc. (NYSE: APTS) ("PAC" or the "Company") today announced the acquisition of a 180-unit Class A multifamily community in Tampa, Florida constructed in 2016 called Overlook at Crosstown Walk.  "We acquired this property using our previously negotiated purchase option discount, which further demonstrates the success of our unique real estate loan investment program," said Daniel M. DuPree, the Vice-Chairman and Chief Investment Officer for PAC.  Mr. DuPree added, "We are thrilled to add Overlook at Crosstown Walk to our existing asset Crosstown Walk and is the second and final phase of the Crosstown Walk multifamily community." PAC acquired this community through a wholly-owned subsidiary and financed the acquisition utilizing a non-recourse first mortgage loan from Fannie Mae originated by Berkadia Commercial.  The first mortgage loan is approximately $22.2 million, bears interest at a fixed rate of 3.95% per annum, has a seven-year term and amortizes based on a 30-year schedule.  There are no loan guaranties provided by PAC or our operating partnership.   About Preferred Apartment Communities, Inc. Preferred Apartment Communities, Inc. is a Maryland corporation formed primarily to acquire and operate multifamily properties in select targeted markets throughout the United States.  As part of our business strategy, we may enter into forward purchase contracts or purchase options for to-be-built multifamily communities and we may make real estate related loans, provide deposit arrangements, or provide performance assurances, as may be necessary or appropriate, in connection with the development of multifamily communities and other properties.  As a secondary strategy, we may acquire or originate senior mortgage loans, subordinate loans or real estate loans secured by interests in multifamily properties, membership or partnership interests in multifamily properties and other multifamily related assets and invest a lesser portion of our assets in other real estate related investments, including other income-producing property types, senior mortgage loans, subordinate loans or real estate loans secured by interests in other income-producing property types, membership or partnership interests in other income-producing property types as determined by our manager as appropriate for us.  At September 30, 2017, the Company was the approximate 97.5% owner of Preferred Apartment Communities Operating Partnership, L.P., the Company's operating partnership.  Preferred Apartment Communities, Inc. has elected to be taxed as a real estate investment trust under the Internal Revenue Code of 1986, as amended, commencing with its tax year ended December 31, 2011.  Learn more at Forward-Looking Statements This press release may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. These statements may be identified by the use of forward-looking terminology such as "may", "trend", "will", "expects", "plans", "estimates", "anticipates", "projects", "intends", "believes", "goals", "objectives", "outlook" and similar expressions.  Because such statements include risks, uncertainties and contingencies, actual results may differ materially from the expectations, intentions, beliefs, plans or predictions of the future expressed or implied by such forward-looking statements. These risks, uncertainties and contingencies include, but are not limited to, those disclosed in PAC's filings with the Securities and Exchange Commission. PAC undertakes no obligation to update these forward-looking statements to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events, except as may be required by law. Additional Information The SEC has declared effective the registration statement (including prospectus) filed by the Company for each of the offerings to which this communication may relate.  Before you invest, you should read the final prospectus, and any prospectus supplements, forming a part of the registration statement and other documents the Company has filed with the SEC for more complete information about the Company and the offering to which this communication may relate.  In particular, you should carefully read the risk factors described in the final prospectus and in any related prospectus supplement and in the documents incorporated by reference in the final prospectus and any related prospectus supplement to which this communication may relate. You may obtain these documents for free by visiting EDGAR on the SEC website at  Alternatively, the Company or its dealer manager, Preferred Capital Securities, LLC, with respect to PAC's mShares Redeemable Preferred Stock Offering and Series A Redeemable Preferred Stock and Warrant Unit Offering, and JonesTrading Institutional Services LLC, with respect to PAC's ATM Common Stock Offering, will arrange to send you a prospectus if you request it by calling Leonard A. Silverstein at (770) 818-4100, 3284 Northside Parkway NW, Suite 150, Atlanta, Georgia 30327. The ATM Common Stock Offering prospectus supplement, dated July 10, 2017, including a base prospectus, dated May 17, 2016, can be accessed through the following link: The mShares Redeemable Preferred Stock Offering prospectus, dated January 19, 2017, can be accessed through the following link: The Series A Redeemable Preferred Stock and Warrant Unit Offering prospectus, dated March 16, 2017, can be accessed through the following link: View original content with multimedia: SOURCE Preferred Apartment Communities, Inc.
Trust for America's Health logo. (PRNewsFoto/Trust for America's Health)
WASHINGTON, Nov. 21, 2017 /PRNewswire-USNewswire/ -- Deaths from drugs, alcohol and suicide could account for 1.6 million fatalities over the coming decade (2016 to 2025) according to a new report, Pain in the Nation: The Drug, Alcohol and Suicide Epidemics and the Need for a National Resilience Strategy, released today by the Trust for America's Health (TFAH) and Well Being Trust (WBT).
ALEXANDRIA, La.--(BUSINESS WIRE)-- The GAEDA Revitalization Corporation (GRC) yesterday was awarded a $16,000 grant from the Federal Home Loan Bank of Dallas (FHLB Dallas) and Red
 (PRNewsfoto/Ann Arbor Area Community Founda)
ANN ARBOR, Mich., Nov. 17, 2017 /PRNewswire/ -- Through the generosity of Ann Arbor's Glacier Hills Senior Living Community and Trinity Health Senior Communities of Livonia, MI, an $18.25 million fund has been created to benefit senior adults in Washtenaw County--especially those at-risk and with low incomes--in perpetuity, managed by the Ann Arbor Area Community Foundation (AAACF).
Always Best Care Senior Services (PRNewsFoto/Always Best Care Senior Services)
Always Best Care Of Grand Strand To Host Free Pet Adoption Event For Seniors, Nov. 30, 2017
MYRTLE BEACH, S.C., Nov. 22, 2017 /PRNewswire/ -- The newly opened Always Best Care of Grand Strand, in partnership with Grand Strand Humane Society will host a free pet adoption event for local seniors from 12-7 p.m. on November 30, 2017, at the Grand Strand Humane Society located at 3241 Mr. Joe White Ave., Myrtle Beach, SC 29577. The senior care agency will cover qualifying adoption fees for pets adopted by seniors 65 and older on a first-come, first-serve basis. "With millions of Americans over the age of 65 struggling with depression, studies have shown that pet ownership helps lower stress levels and blood pressure, while also alleviating symptoms of depression," said Nate Rhodes, the new owner of the Always Best Care of Grand Strand franchise. "With so many shelter dogs and cats in need of loving homes, as well as local senior citizens in need of companionship, we are proud to partner with the Grand Strand Humane Society and share in this special moment with seniors and their loved ones." As part of their commitment to giving back to the communities they serve, Always Best Care also offers an exclusive program called Always In Touch, a telephone reassurance program that provides a friendly voice each weekday for seniors and disabled adults. In addition, Always Best Care has served as a national sponsor of the Alzheimer's Association and various food and educational drives. By working with case managers, social workers, discharge planners, doctors, and families, Always Best Care franchise owners provide affordable, comprehensive solutions that can be specifically matched to meet a client's particular physical or social needs. The hallmark services of the Always Best Care include non-medical in-home care and assisted living finder and referral services, with skilled home health care now being phased in throughout the country. For more information about the pet adoption event, or to learn more about services available through Always Best Care of Grand Strand, please call 843-640-0129 or visit About Always Best Care Founded in 1996, Always Best Care Senior Services is based on the belief that having the right people for the right level of care means peace of mind for the client and family. Always Best Care assists seniors with a wide range of illnesses and personal needs, and currently provides more than 4 million hours of care every year. Franchise opportunities are available to individuals interested in leveraging the company's clear strategy and proven track record for delivering affordable, dependable service to seniors in their local areas. Always Best Care also offers an exclusive program called Always in Touch, a telephone reassurance program that provides a daily phone call to seniors and disabled adults who are living alone and have limited contact with the outside world.  Always in Touch is the only absolutely free national telephone reassurance program of its kind anywhere in the USA and Canada. For more information on Always in Touch, or to request an application, visit About Grand Strand Humane Society The Grand Strand Humane Society exists to improve the quality of life for companion animals by providing shelter and care to the lost, homeless and unwanted animals of the community. We focus on finding adoptive homes for the animals in our shelter, providing low-cost veterinary care to the public, and through community involvement and education we are able to further the bond between people and animals. For more information, please contact executive director Suzanne Roman at 843-918-4911 or CONTACT:Nate Rhodes Always Best Care of Grand Strand843-640-0129     View original content with multimedia: SOURCE Always Best Care