To be eligible for an IVA you will need to meet certain criteria, including the level of debt you have and whether you are able to afford a monthly payment. You will need to have a stable income and spare money, and be able to pay your creditors back in a reasonable amount of time.
The IVA process starts with your Insolvency Practitioner (IP) getting to know you and your situation, and working out how much you can afford to pay each month towards your debts. This information will include your income and expenditure as well as any assets you may have.
Once you have gathered this information, your IP will put together a proposal for you to take to your creditors. This will include the amount of debt you owe, what monthly payments are likely to be, and any lump sums that might be paid.
Your creditors will be sent a copy of the proposal and then have time to read it before they can decide whether to accept it, or make any modifications. If 75% of the value of your creditors agree to the proposal then it becomes legal and can start to effect change in your debt situation.
Once your IVA is agreed, the debts you owe will be frozen, and you will no longer have to worry about being chased by your creditors. However, you should be aware that it will appear on your credit report for six years and your credit score will go down.
There are several different types of investments, and there are many factors in determining where you should invest your funds. Of course, determining where you will invest begins with researching the various available types of investments, determining your risk tolerance, and determining your investment style – along with your financial goals. If you were going to purchase a new car, you would do quite a bit of research before making a final decision and a purchase. You would never consider purchasing a car that you had not fully looked over and taken for a test drive. Investing works much the same way. Mortgage Rates!
You will of course learn as much about the investment as possible, and you would want to see how past investors have done as well. It’s common sense! Learning about the stock market and investments takes a lot of time… but it is time well spent. There are numerous books and websites on the topic, and you can even take college level courses on the topic – which is what stock brokers do. With access to the Internet, you can actually play the stock market – with fake money – to get a feel for how it works. Learn More!
You can make pretend investments, and see how they do. Do a search with any search engine for ‘Stock Market Games’ or ‘Stock Market Simulations.’ This is a great way to start learning about investing in the stock market. Other types of investments – outside of the stock market – do not have simulators. You must learn about those types of investments the hard way – by reading. Hot Housing Markets!
As a potential investor, you should read anything you can get your hands on about investing…but start with the beginning investment books and websites first. Otherwise, you will quickly find that you are lost. Finally, speak with a financial planner. Tell them your goals, and ask them for their suggestions – this is what they do! A good financial planner can easily help you determine where to invest your funds, and help you set up a plan to reach all of your financial goals. Many will even teach you about investing along the way – make sure you pay attention to what they are telling you!
You must have seen the articles on recycled water. As predicted, our world is running out of water… meaning we are recycling more. Secondhand water.. and once again, we just decide not to be concerned about whether it’s better. We choose to just trust the giant corporations that contract to provide this technology.
No longer does it simply fall from the sky – a gift from God.
Now it’s a way to make money. An investment.
And those supplements, pharmaceuticals, drugs we used to take.. well, do we KNOW that they aren’t in our newly laundered water? No! We don’t even think about it!
So here’s the bad news.
Residuals of the drugs and personal care products that we – all of us – consume in our lives every day are excreted – or are washed off us during our daily shower or soak..
Hey, we even dump them down the sink drain. Yes, we are being good little world citizens by cleaning out our containers for recycling. And down it goes, into the aquifer, and the sewer, and back into our recycled water!
Yes, the waste goes through local treatment plants, designed for basic filtration.. but definitely not capable of dealing with the volume and forms of environmental waste that we create in our well-meaning actions.
Some governments see water management as a critical issue and are beginning to monitor Pharmaceutical and Personal Care Products (PPCPs) in water. And yes, they are on the rise.. an estimated increase from 2 billion to 3.9 billion annual prescriptions between 1999 and 2009 in the United States alone.
Associated Press reported that there are 41 million Americans now drinking antibiotics, anticonvulsants, mood stabilizers and sex hormones from a glass of water directly from their tap. Add the newcomers to the list: includes beta-blockers, hypnotics, antineoplastics, bronchodilators, antibiotics, antiseptics, cleaning solvents, sunscreen ingredients, caffeine, blood lipid regulators, hospital X-ray contrast agents and fragrances.
Yes, SOME governments are concerned… Is yours?
If this is the first time you heard about it, chances are the answer is NO.
On private land? Got a septic tank with a settlement trench? Where do you think all these nasties are ending up? Under that patch of grass, or vegetables where you planted because ‘it grows so well there!’ We really do need to consider the possibility of our chemical wastes leaching into streams downstream.
“With advances in technology that improved the ability to detect and quantify these chemicals, we can now begin to identify what effects, if any, these chemicals have on human and environmental health.” (EPA)
Nice quote.. but it just tells us they have no idea of the effects.. just like the 600+ identified contaminants they discovered in drinking water over the last decade.
It appears that Germany is way ahead of us in PPCPs water waste monitoring. Their studies over the last decade confirmed PPCP waste in their treated and untreated sewage. It’s also been found in surface water, aquifer groundwater and drinking water.
A March 2000 report of the American Chemical Society meeting in San Francisco, says water samples taken from forty rivers and streams in Germany identified the chemical residues of over 31 different types of PPCPs.
Yes, PPCPs found in treated and untreated sewage are at concentrations from parts per trillion to parts per billion. Small, yes. But so is the now infamous carcinogenic PFOAs in our water. The point is that these are known as ‘forever toxins’. They accumulate in the body: a big problem if you’ve already been prescribed similar drugs.
There is no legal requirement for water treatment authorities to list or even look for them.
This problem is not restricted to just the U.S., it is a worldwide problem. Researchers in Canada, UK and Australia are also finding this to be true in their systems as well.
We’re just now getting initial analyses of the effects of some of these drugs in our drinking water.
Cholesterol-lowering drugs, estrogens and anticonvulsants on fish in the Great Lakes. All three of these drug types can potentially interfere with the normal reproduction and development in fish living downstream from a typical sewage treatment plant.
If you don’t care about your own health,
perhaps you could spare a thought for our wild nature friends. Oestrogen compounds, even at levels of parts-per-trillion level feminize male fish and may even disrupt the development of their circulatory systems, eyes and urinary tract systems.
We Just Don’t Know!
The long-term effect on humans from sub-therapeutic doses of drugs, (plus other substances not made to be ingested, is still a grand mystery. It’s a major issue in areas where water is scarce, (our last big drought!) when there is more recycling of treated sewage water just to meet drinking water needs. The likelihood of exposure to PPCPs in drinking water, and in the bodies of those of us exposed to this type of water grows exponentially.
What to do Now
It’s pretty obvious that a water filter should be an accepted must-have in your home. It’s just as obvious that installing a water filter no more efficient than the underfunded and dated local waterworks isn’t really going to cut it. Today’s conditions require a far more powerful filer. Previously the only form of home filter that took out all contaminants was reverse osmosis. This method has become far less popular when we realised we need water with beneficial minerals intact. So here’s what to look for. (It won`t be as easy as asking a sales clerk at a big box store!).
1. Look for tests of contaminants. This either comes as a list of media used or a list of actual contaminants removed.
2. Look for the level of removal of contaminants.
3. Look for the period of removal. How much of a contaminant is removed over what period of use. A four-person family drinking 2 litres a day each will consume about 3000L (792 US Gallons) per year. If this data isn’t available – even if the list of contaminants seems comprehensive, it may be because although the filter removes all those contaminants on day one of use, it removes less every day.
Yes, filters like this are available, but you won`t see them in a big box store because they cost a little more.
4. Have a long hard look at your septic system, what you wash down the sink, or toilet, or shower. Try to eliminate using products with very big chemical named ingredients you don’t understand.
For an interactive virtual zoom magic show for corporate meetings, look into Zoom magician Jon Finch’s live-streamed magic show.
Your virtual event can be more engaging than any other
get-together you’ve ever attended.
If it’s on zoom, microsoft teams, webex, or on Google Meet, or even on google hangouts, Zoom magician Jon Finch’s engaging sleight-of-hand magic tricks and outstanding mind reading in his magic show zoom will astonish your audience members during your online event.
But what if the event is a personal get-together like a birthday party?
Suited for your remote team, this is undoubtedly an awesome online magic show. Without at any time needing to leave your nest, your remote workers are able to gather for an awesome event. Given that each person is actually unique, each attendee may suggest a different virtual platform. It’s literally up to the company. It really does not really need to be on Zoom. The show will work on MS Teams, Webex, Bluejeans, Hopin, or possibly Google Hangouts. Almost everyone in corporate parties is drained and craves to return to their real lifestyle. Team members are dealing with Zoom exhaustion, therefore these professionals are likely looking for new and remarkable ways to bond. At your upcoming party, with the help of the interactive virtual magician Jon Finch, you’ll receive the thanks you are worthy of.
As opposed to other kinds of online entertainment, like a game, online cooking class, magic is participatory and interactive. Audience members are asked to participate by touching items, and then stepping onstage. The virtual show wasn’t as easy as simply putting on the old live show on the internet. The show online was redesigned to appeal to a virtual audience. For example, in the in-person show, I pieced objects back together to create their original shapes and then the audience was able to touch and manipulated. But in the remote version, the objects are hands off. “Still, I wanted the magic to happen in their hands,” Jon Finch remarks..
While it is typical for it to take several years to create new tricks and perform stage show, they were forced to come up with the idea within months. While all the magicians agreed they are eager to return to the performance of in person entertainment. The success of these shows–along with the growing remote workforce and technological advances–has established that zoom magic is going to become a regular aspect of the industry.
Astonishing Mystery in Your Living Room
Start now in order to create more encouraged staff members. People can surely include any sort of team of any sort of overall size. Boost staff resolve in your management and business culture by having easily the most entertaining and also ingenious Zoom magic performance that really gathers together remote people in a fun and interactive manner.
It’s an online show… that is exclusively for users on Zoom. Your family, friends and colleagues can still gather for an amazing experience but without having to leave your home. All attendees at corporate events are looking for exciting and new ways to spend time using Zoom (or via Microsoft Teams, WebEx, Google Meet, or over BlueJeans). The applause you’ve always wanted at your next event, because of the interactive show on Zoom magician Jon Finch.
Now you have something everyone will enjoy. An amazing show with Zoom that will astonish you and your guests.
His captivating comedy shows are based on Jon Finch’s blend of artful sleight of hand, applied psychology, and superb showmanship.
The Fourteen Unexpected Ways How Virtual Magic Shows Are Sold Out
Master Illusionist & show of magic combines the power of mind reading with online technology to create a genuine zoom magic show. The interactive show will benefit everyone, which includes your company, guests, as well as your coworkers. Zoom Magician Jon Finch’s online magic show is exciting and engaging on any virtual platform. Organisations and people around the world are using Jon Finch for their special virtual events, private parties, mind-blowing live webinars, video conference and more.
Zoom Magician Jon Finch presents, The Miracle Man! His zoom magic shows. Jon Finch is one of the most popular virtual magicians in the western hemisphere, and has seen it all and is ready to entertain your guests a show that they’ve never witnessed before. Guests at your event will be amazed by watching the virtual magician do his magic tricks through their screens and will be able to see how the cards are signed and selected. There’s no doubt that The Magic Man’s online show will leave your guests stunned and even more spellbound! He presents an incredible 25-90 minute virtual show for you on the internet, complete with unbelievable illusions and mind-reading.
A Mind Blowing Virtual Mentalism Show|Charming A Remote Team–What’s The Trick? Magic!
Anytime our friends together with colleagues are really reduced to a tiny face on a little square on our laptop or computer monitors, it really can be really quite hard to really feel socially cohesion like a team. The power in Jon Finch’s fun virtual magic is really the fact that it grants an opportunity for viewing participants to get to know one another on a much closer degree than virtual lifestyle typically allows for. As proficient prestidigitator Jon Finch phrases his conviction: “Magic can help make us become totally connected with each other, and that is generally what I expect to produce when it comes to my web magic presentations.”
In addition to a zoom a magic show. Even more impressive: Jon Finch is a Psychic, as well.And one of the only world class mentalists in the country. He can tell you what you’re thinking from a thousand miles away. That’s why his sought after zoom show has engaged so many top corporations worldwide.
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