Bankruptcy Options to Consider Before Filing

Filing bankruptcy is not something you do without a lot of consideration. You have to think about all the bankruptcy options you have. There are many alternatives to bankruptcy that may work better. Even if you do decide to file bankruptcy you will still need to consider what type of bankruptcy it is that you will file.All these options means you need to take a good look at your situation and decide what will be best for you. Making an informed decision is the best possible thing for you to do.Alternatives to BankruptcyNo matter what type of debt you have there is always an alternative to filing bankruptcy. If you are willing to work at it then in many cases you can find a solution to your problems without having to file bankruptcy. The reason you may want to consider alternatives to bankruptcy options is that bankruptcy is very damaging to your finances and your credit. You do not just get to walk into a bankruptcy and walk out completely debt free. That is an important factor to remember.In many cases you will run into debts that can not be discharged through bankruptcy. You may also find that under new laws the only type of bankruptcy that you qualify for is a repayment plan. It is best to try to handle your debts on your own before you file bankruptcy. You should start with speaking with a credit counselor. You will have to do this no matter what you decide so you should try to use it to your advantage.The credit counselor will help you to sort out your debts and set up repayment plans that you can afford. If you are able to do this with all of your debts then you will be able to avoid bankruptcy all together.Types of BankruptcyThere are two basic types of bankruptcy that most individuals will file under. Chapter 7 is where you will get your debts discharged completely. Chapter 13 is where you have a court controlled debt repayment plan set up. You may not get to choose what type of bankruptcy you will file because the new bankruptcy laws are rather strict about who can file.No matter what bankruptcy options you decide upon, you will need to get control of your debts before they get worse. If you are even considering bankruptcy then you are in trouble and need to get help. Bankruptcy may end up being your only answer and that is what it is here for.

The First Three Laws of Attraction Marketing

What is attraction marketing and how can it help your business? Attraction marketing is an approach to reaching prospects by attracting them to you and to the products and services that you offer. There are many methods to achieve this, but it requires a certain philosophical approach in order to be authentic and most effective.One of the biggest benefits of attraction marketing is that your perfect clients will self select and be drawn to you. No more chasing leads and trying to sell yourself. Clients will be attracted to you based on your message, the value that you offer, and a built-in trust in your expertise. Attraction marketing can be quite powerful, and can grow your business dramatically.Here are the first three laws of attraction marketing:1. Know Exactly Who You AreYou cannot be everything to everyone, so stop trying. Why are you in business? Are you trying to solve a problem? Why do people do business with you, and if they don’t, why should they do business with you? Who are your competitors, and how are you different? Do you have clients who refer business to you? Have you asked them why they refer business to you?These are all questions that you should be asking, if you are not sure of the unique or extra value that you bring to your clients. This is how you can determine your “extra value proposition”, or your EVP.Many people confuse EVP with branding, but they are very different. EVP is a far more powerful tool in attraction marketing. Let me offer an example:You have a contract that must be signed in order to move forward on a very lucrative project. There are many ways that you can accomplish this. You can save a few dollars and send it by priority mail. You can send it by UPS. But,- when it absolutely, positively has to be there overnight? Saving a few dollars does not enter the equation. It has to be Federal Express. See how the EVP works to help a customer “self select” your services? Yes, Federal Express also has strong branding, consistent logo and colors, but it is the EVP, knowing exactly who they are and what they have to offer, that attracts their perfect customers.On the other hand, “What can Brown do for you?” I’m not sure. I just know that UPS has big brown trucks, but without an EVP, I have no idea what makes them uniquely valuable as a delivery service. See the difference? Once you know exactly who you are, you will begin to attract a client that is more appropriate for your business, and who is willing to pay more for the extra value that you provide.2. Know Exactly Who Your Clients Are Now that you know exactly who you are, you need to know exactly who your clients are. If you are just starting your business, this should be the first step, not the second. Assuming that you have been in business for at least a few years, let’s identify your best clients, and how to attract more of them.In identifying and developing your EVP, you should have talked to a sampling of your clients. Your best clients have told you why they keep coming back and why they refer business to you. Your occasional clients and your former clients, told you why they don’t come around so much, or why they have taken their business elsewhere. This information is invaluable. It can tell you how to improve your products and services for greater appeal, or it can inform you of exactly what kind of client you should be trying to attract more of.Integrating the message of your EVP into all of your marketing and sales processes, will quickly reactivate the clients that should still be using your services. It will also reinvigorate your current clients and generate more referrals. This is the essence of attraction marketing.3. Make Them An Offer They Can’t RefuseSo, now you know exactly who you are, and you know exactly who your ideal clients and prospects are. Having this information should automatically tell you exactly what they need and want. This makes it easy to make them an offer they can’t refuse.Depending on the nature of your business, people use your products or services in order to solve a problem or to enhance their lives in some way. It is always about decreasing pain or increasing pleasure. They come to you because you know how to solve the problem. They either don’t have the knowledge or it is too labor intensive to solve it themselves.The offer they can’t refuse has to be so valuable that it causes your clients to want more of your products and services. It must be so valuable that prospects will want more information about your products and services and will gladly agree to engage with you in order to get that information.Information is a powerful tool for attracting new clients and for reinvigorating current clients. It is especially powerful for reactivating former clients. This can easily be the offer they can’t refuse.This information can be delivered in many ways. You can offer an online mini course delivered by email. You can offer a free report or eBook. You can offer a free webinar training or a weekly teleseminar. We are not talking about junk freebies here. This must be serious education to establish your expertise and to give serious value to your clients and prospects. This offer will build trust and confidence and will result in more business and more longterm relationships with your clients.These are the first three laws of attraction marketing. If you only do these three things, you will see a major shift in your business. You will see a shift in the type of client that you attract. You will see a shift in your lead conversion. And you will see a shift in your profitability.In my next article, I will tell you about 2 more laws of attraction marketing. In the meantime, let me know if this article was helpful. I welcome your feedback.

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Drug Rehabs for the LGBT Community

Research has shown us that drug addiction, alcoholism and dual disorders are more prevalent in the gay, lesbian community than the heterosexual community. This statistic means nothing more than drug rehab services and addiction treatment services need to be made available for the LGBT.Gay Friendly Drug RehabsWhile we know there are drug rehabs everywhere that will happily treat the LGBT population, the question is are the drug rehabs knowledgeable concerning gay specific issues such as “coming out” or internalized homophobia. Not every clinician is educated and trained in these areas and could end up doing more harm than good. Gay friendly drug rehabs are drug rehabs who are generally capable of addressing the needs of the gay, lesbian, bisexual or transgender community. By gay friendly, we refer to drug rehabs whose staff are trained in the areas of homophobia, internalized homophobia, sexual orientation, as well as, have dealt with any their issues relating to prejudice, discrimination and alienation.Aspects of LGBT Friendly Drug RehabsThe above mentioned issues aside, drug rehabs for heterosexuals are the same as drug rehabs for the homosexual population. Look for drug rehabs that have their own medical detox program, drug rehabs with proper licensure and drug rehab staff with proper credentials. Lastly, make sure the drug rehabs you research have a variety of drug rehab services to meet the individual needs of their patients. Drug rehabs are not hard to find, but effective drug rehabs are a bit more difficult.