What To Do If Theres A Credit Card Judgement Against You

By Sean A. Kelly

If you have not heard of credit card judgement, then you should know that having such a judgement made against you can be a rather distressing situation. Take my neighbor, Bob, who had a credit card judgement made against him and he literally had an emotional breakdown. Well, it took him awhile to recover and in that period, his wife and his family had a hard time trying to help him while at the same time, they were also running around looking for a solution to the judgment.

Bob’s problem was not such a serious one initially. In the beginning, he had a lot of credit card debts that were piling up. He had often sought my advice on how to clear his debts and since I am quite well-versed in resolving financial issues, I tried helping him by laying out a plan for him to clear his debts within a period of time. Unfortunately, while Bob was willing to listen to me and accept my help, he could not keep to the plan. He did not have the discipline to cut his spending nor did he have the willpower to stop using his credit cards. Even as he tried to reduce his spending and to pay down his debts, he had continued spending and buying things he did not need, resulting in deeper debts, higher credit card bills and an income that was just not enough to cover it all.

It all finally culminated in the credit card debt judgement against him that had caused his breakdown. His credit card company had finally decided to take his case to the courts to recover the debts he owed. This means he had probably defaulted in his credit card payments for a certain period of time and after repeated failed attempts to recover even some of the debts, his creditors had no choice but to go to the court for a judgment against Bob.

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A court judgment obtained by the credit card company could mean a lot of things. It could mean that the court had ruled that the creditor now has a lien on your property, your bank accounts or possibly even your business if you are the sole proprietor of a business. This is highly dependent on your state law, though. Each state has different laws which will determine how your creditor could recover the debts you owe and the actions it could take. This may also mean they could freeze your bank accounts or even garnish your wages. So, if you want to know more, you may need to read up and learn more of your state laws on this. Other than this, there is still a way out of the judgment so that the creditor does not enforce it.

This is what I told Bob when he came to me again to ask for help. I told Bob to start negotiating with his creditor for a way out. Some creditors may be quite open to put aside executing the judgment if you agree to start making payments on the judgment. Another way is to appoint an attorney for some legal advice and to get more understanding on your state’s laws on the enforcement of judgement. Your attorney may even be able to provide you with a suitable solution based on your state’s laws and your financial situation.

Having a debt judgment made against is most often due to credit card default. So to avoid this, do try to keep your finances in order and clear up your debts as much as you possibly can.

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PM reshuffles Cabinet, Pranab Mukherjee is new Indian Foreign minister

Tuesday, October 24, 2006

Pranab Mukherjee was appointed the External Affairs Minister while veteran Congressman A K Antony took his place as Defence Minister in a minor expansion-cum-reshuffle of his 29-month-old government by Prime Minister Manmohan Singh.

Kannada actor-turned-politician M H Ambareesh made his debut in the Union Ministry as Minister of State for Information and Broadcasting.

Jay Prakash Narayan Yadav, an RJD leader and a protege of Railway Minister Lalu Prasad, who had to resign last year following allegations of influencing the police in a case of electoral malpractices against his brother, returned to the government, again as Minister of State for Water Resources.

Oscar Fernandes took over Ministry of Labour.

US Senate approves $10.5 billon in aid for Hurricane Katrina victims

Friday, September 2, 2005

The United States Senate has cut short their summer recess and has arrived in Washington to approve a $10.5 billion aid bill to victims of Katrina as requested by President George W. Bush.The United States House of Representatives is expected to pass a similar bill later today.

Bush has told Congress he will ask for more funds in the coming weeks. Most of the money will go to the Federal Emergency Management Agency and the rest will go to the Pentagon which is dispatching ships to the area.

Bush has also asked his father, former President George H.W. Bush and former President Bill Clinton to help raise private funds for relief like they did for the December 2004 tsunami in Asia.

Over two dozen nations, some with assets in the area, have offered aid to the city of New Orleans, but President George W. Bush has refused any aid from foreign nations which does not take the form of cash.

World’s first double arm transplant undertaken in Munich

Saturday, August 2, 2008

A 54-year-old German farmer who lost both arms in a farming accident six years ago has become the first patient to receive a complete double arm transplant. The patient, whose name has not been released, underwent the operation at the Klinikum rechts der Isar, part of the Technical University of Munich (Technische Universität München), last week; he is said to be recovering well.

The operation lasted 15 hours and was performed by a team of 40 specialists in Plastic Surgery, Hand Surgery, Orthopedics and Anesthesiology, under the direction of the head of the Plastics and Hand Surgery department, Prof. Hans-Günther Machens, Dr. Christoph Höhnke (Head of Transplants, Senior Physician; Plastics and Hand Surgery) and Prof. Edgar Biemer, the former Chief of Plastic Surgery at the Clinic.

In a press statement released by the clinic, it was revealed that the patient had been thoroughly physically checked and had psychological counselling prior to the surgery to ensure he was mentally stable enough to cope with the procedure. Since completion of the surgery, the patient has been on immuno-suppressant drugs to prevent rejection of the new limbs.

Following the surgery, the press release from the clinic’s press manager, Dr. Tanja Schmidhofer, included the following statement:

The flow of blood was [re-]started in intervals of 20 minutes because the anaesthetists had to make sure that the patient would not suffer from the blood flowing back from the transplanted parts. No significant swelling was seen, nor indeed any ischemia (lack of blood flow to the tissues). This is a testament to the surgeons who established a fully functioning blood flow…the main nerves, the Musculocutaneus, Radial and Ulnar nerves were all attached and sewn together, and finally an external fixator was applied, with pins in the lower and upper arms, avoiding the risk of pressure points and sores. The operation was successfully completed after 15 hours.

Without the immuno-suppressant drugs given to the patient, the risk of there being a Graft-versus-Host Reaction or GvHR, would have been significant due to the upper arm containing a large amount of bone marrow, consisting of ICC’s or Immuno-Competent Cells, which would have triggered a near total rejection of the new limbs. A GvHR is a condition which results in the cells from the transplant attacking the immune system of the body.

Indications from the clinic suggest that the double attachment went well, although it could be up to 2 full years before the patient is able to move the arms.

The donor arms came from an unnamed teenager, who is believed to have died in a car accident.

Pressure building on Myanmar to decline ASEAN chair

Thursday, March 31, 2005

Pressure is building on Myanmar to decline next years revolving ASEAN chair due to its human rights record. The US Senate Majority Whip Mitch McConnell, has said that the USA should boycott ASEAN meetings next year if Myanmar takes the chair.

The UN special envoy to Myanmar, Tan Sri Razali Ismail, has backed moves by Malaysian lawmakers earlier this week against Myanmar’s chairing, saying “The UN is always on the side of democracy. It supports the principles these people are pushing and these principles are very important for all governments to adhere to,”

“I don’t think there’s any attempt to punish Myanmar but to make them understand ASEAN is guided by certain principles in order to be a member or in order to be leading ASEAN for a certain period,”

Filipino legislators are also following Malaysian lawmakers, and are expected to propose that all member countries adopt a stand on Myanmar when ASEAN legislators meet in an Inter-Parliamentary Union conference in Manila on April 3.

United States begins testing equipment for demolition of a major VX nerve gas stockpile

Saturday, May 7, 2005

Testing began on a chemical reactor at the Newport Chemical Depot near Terre Haute, Indiana on Friday morning. If successful, the reactor will be put to use destroying the large VX nerve gas stockpiles stored at the facility over the course of the next two years. After the disposal project experienced several delays, the facility announced it would begin pumping VX into a completed disposal unit for testing. The unit consists of a chemical reactor in which the VX will be mixed with water and sodium hydroxide, heated to 194°F while mixed with paddles. The resulting chemical, called hydrolysate, is chemically similar to commercial drain cleaners and has similar properties. If the test is successfully completed , the unit will continue processing the VX until the entire stockpile has been neutralized, a process projected to take two years. Administrators expect to complete testing on May 10, 2005.

According to the controversial plan, the finished waste product would be shipped to New Jersey for final reprocessing. The inert chemical would then be emptied into the Delaware River where natural attenuation would occur.

Residents near the proposed river disposal site in New Jersey oppose this idea. The contractor for the final component of this disposal would be the DuPont Corporation.

NCD is a bulk chemical storage and destruction facility in west central Indiana, thirty miles north of Terre Haute. Originally founded during World War II to produce RDX, a conventional explosive, it later became a site for chemical weapons manufacturing during the Cold War. It is now used to securely store and gradually neutralize part of the US stockpile of VX.

VX was manufactured by the U.S. in the 1950s and 60’s as a deterrent to possible Soviet Union use. It was never deployed, and the manufacture was halted in 1969 after an order signed by then-president Richard Nixon.

In 1999, the Army announced it awarded a disposal contract to Parsons Infrastructure & Technology, Inc., a business unit of Parsons Corporation. Some 220 civilian Parsons employees work at the facility, which is supervised by an Army officer reporting to the U.S. Army Chemical Materials Agency, and a board of civilian government overseers called the Indiana Citizens’ Advisory Commission, some of whose members are appointed by the state governor.

Security at the facility is controversial. A private security service, supplemented by a complement of Indiana National Guard soldiers, guarded the facility until April 14, 2005, when the soldiers were withdrawn. An Indianapolis television station has questioned security measures in some of its special reports.

Stanford physicists print smallest-ever letters ‘SU’ at subatomic level of 1.5 nanometres tall

Wednesday, February 4, 2009

A new historic physics record has been set by scientists for exceedingly small writing, opening a new door to computing‘s future. Stanford University physicists have claimed to have written the letters “SU” at sub-atomic size.

Graduate students Christopher Moon, Laila Mattos, Brian Foster and Gabriel Zeltzer, under the direction of assistant professor of physics Hari Manoharan, have produced the world’s smallest lettering, which is approximately 1.5 nanometres tall, using a molecular projector, called Scanning Tunneling Microscope (STM) to push individual carbon monoxide molecules on a copper or silver sheet surface, based on interference of electron energy states.

A nanometre (Greek: ?????, nanos, dwarf; ?????, metr?, count) is a unit of length in the metric system, equal to one billionth of a metre (i.e., 10-9 m or one millionth of a millimetre), and also equals ten Ångström, an internationally recognized non-SI unit of length. It is often associated with the field of nanotechnology.

“We miniaturised their size so drastically that we ended up with the smallest writing in history,” said Manoharan. “S” and “U,” the two letters in honor of their employer have been reduced so tiny in nanoimprint that if used to print out 32 volumes of an Encyclopedia, 2,000 times, the contents would easily fit on a pinhead.

In the world of downsizing, nanoscribes Manoharan and Moon have proven that information, if reduced in size smaller than an atom, can be stored in more compact form than previously thought. In computing jargon, small sizing results to greater speed and better computer data storage.

“Writing really small has a long history. We wondered: What are the limits? How far can you go? Because materials are made of atoms, it was always believed that if you continue scaling down, you’d end up at that fundamental limit. You’d hit a wall,” said Manoharan.

In writing the letters, the Stanford team utilized an electron‘s unique feature of “pinball table for electrons” — its ability to bounce between different quantum states. In the vibration-proof basement lab of Stanford’s Varian Physics Building, the physicists used a Scanning tunneling microscope in encoding the “S” and “U” within the patterns formed by the electron’s activity, called wave function, arranging carbon monoxide molecules in a very specific pattern on a copper or silver sheet surface.

“Imagine [the copper as] a very shallow pool of water into which we put some rocks [the carbon monoxide molecules]. The water waves scatter and interfere off the rocks, making well defined standing wave patterns,” Manoharan noted. If the “rocks” are placed just right, then the shapes of the waves will form any letters in the alphabet, the researchers said. They used the quantum properties of electrons, rather than photons, as their source of illumination.

According to the study, the atoms were ordered in a circular fashion, with a hole in the middle. A flow of electrons was thereafter fired at the copper support, which resulted into a ripple effect in between the existing atoms. These were pushed aside, and a holographic projection of the letters “SU” became visible in the space between them. “What we did is show that the atom is not the limit — that you can go below that,” Manoharan said.

“It’s difficult to properly express the size of their stacked S and U, but the equivalent would be 0.3 nanometres. This is sufficiently small that you could copy out the Encyclopaedia Britannica on the head of a pin not just once, but thousands of times over,” Manoharan and his nanohologram collaborator Christopher Moon explained.

The team has also shown the salient features of the holographic principle, a property of quantum gravity theories which resolves the black hole information paradox within string theory. They stacked “S” and the “U” – two layers, or pages, of information — within the hologram.

The team stressed their discovery was concentrating electrons in space, in essence, a wire, hoping such a structure could be used to wire together a super-fast quantum computer in the future. In essence, “these electron patterns can act as holograms, that pack information into subatomic spaces, which could one day lead to unlimited information storage,” the study states.

The “Conclusion” of the Stanford article goes as follows:

According to theory, a quantum state can encode any amount of information (at zero temperature), requiring only sufficiently high bandwidth and time in which to read it out. In practice, only recently has progress been made towards encoding several bits into the shapes of bosonic single-photon wave functions, which has applications in quantum key distribution. We have experimentally demonstrated that 35 bits can be permanently encoded into a time-independent fermionic state, and that two such states can be simultaneously prepared in the same area of space. We have simulated hundreds of stacked pairs of random 7 times 5-pixel arrays as well as various ideas for pathological bit patterns, and in every case the information was theoretically encodable. In all experimental attempts, extending down to the subatomic regime, the encoding was successful and the data were retrieved at 100% fidelity. We believe the limitations on bit size are approxlambda/4, but surprisingly the information density can be significantly boosted by using higher-energy electrons and stacking multiple pages holographically. Determining the full theoretical and practical limits of this technique—the trade-offs between information content (the number of pages and bits per page), contrast (the number of measurements required per bit to overcome noise), and the number of atoms in the hologram—will involve further work.Quantum holographic encoding in a two-dimensional electron gas, Christopher R. Moon, Laila S. Mattos, Brian K. Foster, Gabriel Zeltzer & Hari C. Manoharan

The team is not the first to design or print small letters, as attempts have been made since as early as 1960. In December 1959, Nobel Prize-winning physicist Richard Feynman, who delivered his now-legendary lecture entitled “There’s Plenty of Room at the Bottom,” promised new opportunities for those who “thought small.”

Feynman was an American physicist known for the path integral formulation of quantum mechanics, the theory of quantum electrodynamics and the physics of the superfluidity of supercooled liquid helium, as well as work in particle physics (he proposed the parton model).

Feynman offered two challenges at the annual meeting of the American Physical Society, held that year in Caltech, offering a $1000 prize to the first person to solve each of them. Both challenges involved nanotechnology, and the first prize was won by William McLellan, who solved the first. The first problem required someone to build a working electric motor that would fit inside a cube 1/64 inches on each side. McLellan achieved this feat by November 1960 with his 250-microgram 2000-rpm motor consisting of 13 separate parts.

In 1985, the prize for the second challenge was claimed by Stanford Tom Newman, who, working with electrical engineering professor Fabian Pease, used electron lithography. He wrote or engraved the first page of Charles Dickens’ A Tale of Two Cities, at the required scale, on the head of a pin, with a beam of electrons. The main problem he had before he could claim the prize was finding the text after he had written it; the head of the pin was a huge empty space compared with the text inscribed on it. Such small print could only be read with an electron microscope.

In 1989, however, Stanford lost its record, when Donald Eigler and Erhard Schweizer, scientists at IBM’s Almaden Research Center in San Jose were the first to position or manipulate 35 individual atoms of xenon one at a time to form the letters I, B and M using a STM. The atoms were pushed on the surface of the nickel to create letters 5nm tall.

In 1991, Japanese researchers managed to chisel 1.5 nm-tall characters onto a molybdenum disulphide crystal, using the same STM method. Hitachi, at that time, set the record for the smallest microscopic calligraphy ever designed. The Stanford effort failed to surpass the feat, but it, however, introduced a novel technique. Having equaled Hitachi’s record, the Stanford team went a step further. They used a holographic variation on the IBM technique, for instead of fixing the letters onto a support, the new method created them holographically.

In the scientific breakthrough, the Stanford team has now claimed they have written the smallest letters ever – assembled from subatomic-sized bits as small as 0.3 nanometers, or roughly one third of a billionth of a meter. The new super-mini letters created are 40 times smaller than the original effort and more than four times smaller than the IBM initials, states the paper Quantum holographic encoding in a two-dimensional electron gas, published online in the journal Nature Nanotechnology. The new sub-atomic size letters are around a third of the size of the atomic ones created by Eigler and Schweizer at IBM.

A subatomic particle is an elementary or composite particle smaller than an atom. Particle physics and nuclear physics are concerned with the study of these particles, their interactions, and non-atomic matter. Subatomic particles include the atomic constituents electrons, protons, and neutrons. Protons and neutrons are composite particles, consisting of quarks.

“Everyone can look around and see the growing amount of information we deal with on a daily basis. All that knowledge is out there. For society to move forward, we need a better way to process it, and store it more densely,” Manoharan said. “Although these projections are stable — they’ll last as long as none of the carbon dioxide molecules move — this technique is unlikely to revolutionize storage, as it’s currently a bit too challenging to determine and create the appropriate pattern of molecules to create a desired hologram,” the authors cautioned. Nevertheless, they suggest that “the practical limits of both the technique and the data density it enables merit further research.”

In 2000, it was Hari Manoharan, Christopher Lutz and Donald Eigler who first experimentally observed quantum mirage at the IBM Almaden Research Center in San Jose, California. In physics, a quantum mirage is a peculiar result in quantum chaos. Their study in a paper published in Nature, states they demonstrated that the Kondo resonance signature of a magnetic adatom located at one focus of an elliptically shaped quantum corral could be projected to, and made large at the other focus of the corral.

Bodies of victims of Typhoon Fengshen appear on Philippine shores

Thursday, June 26, 2008

As the National Disaster Coordinating Agency continues to evaluate the reports coming from regions all over the Philippines, bodies of those who drowned or perished while at sea have started to float into the shores of islands in Central Philippines. On Thursday, the Philippines Coast Guard reported that villagers recovered 124 bodies whose identities are still uncertain.

Advanced decomposition has made identification difficult for authorities and, fearing a health epidemic, all of the bodies were immediately buried in makeshift graves.

The identification of the victims has caused a stir among relatives looking for their missing family members, as forensic investigators were rendered helpless in proceeding to the scattered locations where bodies have been washing ashore.

Over 100 divers from the combined Philippines and United States naval forces have been working overtime to retrieve the bodies of passengers trapped inside the capsized MV Princess of the Stars.

Disaster management officials in the country announced that the dead from the weekend battering from Typhoon Fengshen could reach to a high of 1,300 people nation-wide. State officials reported that some 2.4 million Filipinos were affected by the disaster, putting property damage at a conservative estimate of $125 million.

Relatives of missing passengers were finally brought near the site where the ferry capsized. On board a tug boat, relatives became severely emotional after a Roman Catholic mass was celebrated to commemorate the memory of those lost at sea.

Assessing The Value Of Diamonds}

Assessing the Value of Diamonds

by

Amanda KingDiamond is a pure or nearly pure form of crystallised carbon of extreme hardness and valued as a precious stone. The hardest diamonds in the world are from the New England area in New South Wales, Australia. The most familiar usage of diamonds today is as gemstones used for adornment. Unlike many other gems, it is well-suited to daily wear because of its resistance to scratching perhaps contributing to its popularity as the preferred gem in an engagement ring or wedding ring, which are often worn every day. If you plan on obtaining a diamond because you like how it looks or if gives you or your love one pleasure then the price of a diamond may be well worth its purchase. However it is also well worth your while to ensure that you get it properly certified.Four characteristics, known informally as the four Cs, are now commonly used as the basic descriptors of diamonds: these are carat, cut, color, and clarity. Diamond prices (particularly among wholesalers and other industry professionals) are often quoted per carat, rather than per standard weight. A carat is a measure of weight used for gemstones, and is equal to 200 milligrams. Weights are given to the nearest 1/100th of a carat, an amount that is called a “point.” For example, a .50 carat gemstone might also be called one-half carat or a 50-point stone. The price per carat does not increase smoothly with increasing size. As distinct from carat is karat, which is the U.S., measuring system used to define how much gold an item contains. The carats of a diamond are taken seriously in providing certification for the value of a diamond.All diamonds are compared against an internationally accepted standard or set of master stones and ranges from totally colorless (D) to pale yellow or brown color (Z). Color grades D through F are naturally the most valuable and expensive because of their rarity. Brown diamonds darker than K color are usually described using their letter grade, and a descriptive phrase, for example M Faint Brown. Oddly enough, diamonds graded Z is also rare, and the bright yellow color is also highly valued. Diamonds with more depth of color than Z color fall into the fancy color diamond range. Colored diamonds contain impurities or structural defects that cause the coloration, while pure or nearly pure diamonds are transparent and colorless. Impurities trapped in the diamond during its formation, the crystal lattice structure of the diamond, and the exposure to radiation can all generate the wide verity of colors available in diamonds. Generally speaking, the fewer the flaws, the more valuable the diamond. Completely flawless diamonds are extremely rare only a few hundred “FL” diamonds are produced per year worldwide. Diamonds become increasingly rare when considering higher clarity gradings. Clarity is a measure of the number and extent of the flaws in the diamond. The setting diamonds are placed in also affect the performance of light through a diamond. Clarity is determined by the number of blemishes on the surfaces of the diamond and the number of inclusions such as air bubbles, cracks, and foreign material inside of the diamond.Today, because of the relative importance of carat weight in society, many diamonds are often intentionally cut poorly to increase carat weight. If any of these cutting factors are below standard then the appearance of the diamond will be adversely affected. The cut of a diamond describes the quality of workmanship and the angles to which a diamond is cut. Round brilliant diamonds, the most common, are guided by these specific guidelines, though fancy cut stones are not able to be as accurately guided by mathematical specifics. Popular fancy cuts include the baguette (from the French, meaning rod or loaf of bread), marquise, princess cut (square outline), heart, briolette (a form of the rose cut), and pear cuts. These newly developed cuts are viewed by many as more of an attempt at brand differentiation by diamond sellers, than actual improvements to the state of the art. When diamonds are cut properly they will enhance any piece of jewelry. The cut of a diamond has nothing to do with the shape of the diamond. The symmetry and proportions of a diamond cut determine the life, brilliance and light dispersion. When providing certification a jeweller will take all of these factors into account. The four Cs of diamonds carat, color, clarity and cut are vital in identifying the value of a diamond and will ensure that a buyer of diamonds has purchased a quality product.

Amanda King is a marketer who supplies a variety of

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consumer products

and operates an informational

fashion site

Visit these sites for a range of fashion accessories. She provides certificates of

authenticity for all jewelry3 items

Article Source:

eArticlesOnline.com}

Nintendo releases GameBoy Micro in the US

Tuesday, September 13, 2005

On the 20th birthday of Nintendo‘s mascots, Mario and his brother Luigi, Nintendo has released the newest addition to the popular Game Boy line.

The Game Boy Micro is the smallest handheld release by Nintendo to date. Unlike other handhelds in the Game Boy Advance series, the Game Boy Micro can only play Game Boy Advance games and not games designed for the original Game Boy system. The handheld features a new link port, includes multiple removable faceplates, and additional faceplates can be purchased separately. This system has an MSRP of USD$99.99.