Photo by http://www.nixonnow.comThe autopsy, provided to The New York Times on Wednesday by a publicist for Irons’s family, lists the primary cause of death as a heart attack related to coronary artery disease. The secondary cause is “acute mixed drug ingestion.”
Irons was found in his hotel room in Texas. In the room, the police discovered prescription bottles for Alprazolam, used to treat anxiety, and Zolpidem, a sleep aid, along with tablets containing methadone, a narcotic used to treat pain and opiate addiction. Toxicology tests showed Irons also had cocaine and methamphetamine in his system. New York Times
Philip Andrew Irons (July 24, 1978 – November 2, 2010) was a professional surfer. Irons learned to surf on the dangerous and shallow reefs of the North Shore in Kauai, Hawaii. Over the course of his professional career, he won three world titles (2002, 2003, 2004), three Quiksilver Pro France titles (2003, 2004, 2005), two Rip Curl Pro Search titles (2006 and 2007) and 20 elite tour victories including the Vans Triple Crown of Surfing four times from 2002-2006. On September 3, 2010 he won the Billabong Pro in Tahiti. He and his family hosted the Annual Irons Brothers Pinetrees Classic, a contest for youngsters. The Governor of Hawaii declared February 13 forever "Andy Irons Day". He is the only surfer to have won a title at every venue on the ASP calendar. WIKI
Electronic cigarette becomes the latest trend nowadays . Electronic Cigarette E-Cigarette or known high-tech products are produced for the smokers smoke more safely. Electronic cigarettes do not contain tar, carbon monoxide and other chemicals that cause cancer.
Service debt management plan is really looking for a fair balance between debtors or creditors. Obviously, creditors want to see their clients to do what they reasonably can to pay their debts as quickly as possible. Just as there is no point to pay the DMP is so high that borrowers have the option but to cancel or start a payment plan from time to time lag. Finding a balance is very good ability to debt management companies and charities.
Disposable income of consumers, DMP monthly payment must be completely agreed upon before the final decision to proceed with the project debt. Thus, client debt management provider to apply using the link to their personal needs during the period of DMP.
Some time in the desired part of the DMP. Both free-to-commercial customers and providers of debt management plans to see the interest in maximizing the monthly payment, because it has a positive impact on production revenue model. For example, certain areas of expenditure could be reduced and other areas outside for other reasons, the client must be interpreted in their best interest’s long term. DMP companies realize that in the best long term interests of all parties to the DMP.
Simple formula to work out monthly payments to erase all reasonable costs and acceptable to the general household income.
Included in every "reasonable" expense will be of interest, such as housing, utility costs, transportation costs, council tax and home. Other types of costs should be included, are less frequent as the cost of car repairs, car repairs, house tax, etc.
In addition as part of the calculation of "reasonable, or (or not) meet the cost burden of certain standards that are used vary from creditor and debt solution providers to build equity in this situation. Use of this magnitude, which means that the different priorities of individuals different and families can install from the "one-size sitting all" approach used.
The ultimate goal is to pay the debt management program that shows concern for creditors, while serving the needs of debtor and his or her family. A good knowledge of debt management and DMP provider manuals and their actual experience of what creditors (and not) accept as a goal.
Any debt management plan provider asks the monthly payments that do not seem available (only long-term perspective, as well as today), should be avoided. Get advice debt to other institutions before going before the DMP, if it occurs when a debt risk management plan is not stable to solve the problem that caused one another.
If you need a debt management plan the Council has a number of sources, such as debt management plans forum where you can discuss with others in a situation like this and try it a specialist to DMP.
Buy things even easier with the use of credit cards, and sometimes people can not remember is that using credit cards to buy something does not mean they do not spend money, why go? So they get buried under piles debt, and if you're one of those people who have problems of their debts, you should not worry because there is a way to get out debt. The first thing you should know if you want to get your debt, you should stop going to the future of the debt. Do not add more debt to have a fire. It's really simple logic for all those who do not want to be burdened with a long list of debts are settled.
If you are already a long list of credits, making it no more, and if you are lucky enough to have several, if not required any more to add. The more you owe, that you have a big problem. Consideration of debt these days is very easy, because all the things that a person can buy an attractive everywhere, and endless list of attachments that may have his or her own. But to earn money to pay for all this debt is hard, so you have to psyche yourself this way, so you will not have any other debt in the future. If you happen to a person who can not resist buying more things, and going to more debt, you need a credit counselor who can give you a few tips to get you out to find fault.
A credit counselor may be the best person to ask you if you are concerned about how you can manage your debt and how you may be able to control yourself so that you do not like a debt paid in the future. How many credit counselors that are experts in finance, they can offer the best opportunities for payment on your credit and manage all of your debts, especially if you have a long list of debts. Finally, the best way to come out of debt is to follow your credit counselor is telling you to do. You really can not find it hard to your counselor will give you a program, you can easily follow, and all you do to satisfy all the requirements, which require you, and you can not wake up one day with all of your debts cleared. This is not magic, but surely the efforts of your efforts and your credit counselor who can help you manage your debt so that you get all they can be paid.
Active people to secure credit, they usually can get more to return to. Nothing takes time from their real estate owned by financial shares to an example of this can be. They did it to protect the property may apply for more money if they could at that time. They do not return for payment of debt to the creditor one can reduce the amount of risk a bit, because usually it.
Many people have seen the benefits of secured loans and they were obliged to do things that relax without being able to return. It is not always so, they lost their jobs or other personal problems, in some cases a person may be struggling for their own financial management.
The main disadvantage is the risk of losing their assets to loans to repay debt to non-management of their own people. Sometimes a lot of money may be more of a temptation to resist. This particular debt and they can help them to find solutions that can not be refinanced, such as that.
For those who refinanced them over, and other debts owed to them once again. Which can help those who find themselves in this situation there are debt solutions? I am trying to assess the most appropriate solution, he / the company to talk with debt advice charities recommended. solutions that can help;
Public opinion - this again one to reduce the cost for those who may be good, but not suitable debt management plan to help - to become regular payments to creditors to
IVA - which does not support the full payment, but unsuitable for bankruptcy can. This is just England, Wales and Ireland for the people there.
Protected Trust Deed -. Like taxes, but only available to those living in Scotland need only major difference criteria are met in accordance with the requirements of the solution.
Bankruptcy - bankruptcy announcement of the final solution to all other laws do not apply to the court, if. This is just England, Wales and Ireland Exile - such as bankruptcy, but only in Scotland the same. This is the difference between the solutions to meet the criteria they need to.
Lila - new loans to help pay for them to reach a settlement out of business bankruptcies is still detrimental to the people served. This is only available in Scotland
For debt relief - except for the criteria are met, such as Lila. This solution only in the UK, Ireland and Wales are available.
Approximately 98% of all members of the British hostages on the same level with new home loans back to the level of December 2007, the trade association said. In addition, the increase in the same period of stabilization when I look at reportage market. That the Council of Mortgage Lenders, September, October, 2009, 15% of total home loans go Movers by the data. A large number of mortgage trackers Group, Bank of England base rate is the percent of credit limit, and selected for. This is an indicator of creditor; the secret to a long-term price may be less credible.
What is budgeting?
Budget comes from the "budget" word which means allocating resources and can be easily used in an emergency. This is the way of strategic planning for spending and saving you money. This is done by making calculations and estimates of your monthly income and expenses (including your bills, debts and any other purchases that involve some cooperation out of money involved). Budgeting known important task in the individual financial situation and lifestyle, because the budget is the determining factor in where you are in terms of tax status. Also, budgeting requires much self-discipline and perseverance, because it can be a difficult task to observe, because we have needs and desires are endless.
What is the role of the budget for debt management?
Budgeting and debt management is always going hand in hand. Budgeting is a process of debt management for one of the first step when it comes to revenue and cost control. With the help of budgeting, but not successful you debt relief and debt management process, but you can take advantage of the tax provision and freedom.
It is wise to do budgeting, because you can not recover the past - all past purchases made by you and what do you use money. Instead, what you can do light and hope for the future and budget for the resources you can use it later to build it.
Why is budgets important debt management?
Is debt management method to help you end your debt will be useful, but if your arms with hand budgeting debt management, which makes it more efficient. Remember, you can not be guaranteed if you do not deal with the budget.
Also, the budget makes life easier to handle. Hunting is much easier to handle, and you have a better grip on your finances. This helps not only you but also the financial aspect that can help you take care of yourself and your presentation. Admit it or not, the budget too much of your frustration. It relieves you from all the stress you feel in your debt.
Through the budget, you'll be able to find out how much you owed, and how you actually pay money to spend and how much you could save much.
And disadvantages Budget
Profit
Oh, how strong it gives you a sense of where your money goes (the things you wear, the bills you've paid already and you buy to make cuts).
Oh, how it helps you achieve your financial goals.
° budgeting, you are free to do what you want. You can go on vacation, many trips to different countries, home buying, new car, property, etc.
• People can carry the budgeted draw conclusions from the good life, even when they retire.
Deficit
Oh, how can it get pretty confusing.
Oh, how it would be difficult to follow especially during the crisis.
° Ends are different imperatives and the desire to combine the two, sometimes impossible to do budgeting.
3 Steps Budgeting Success
1) List your income and purchasing...
· Document and calculate your income and the estimated cost.
2) Reduce spending habits...
Identify areas where you can cut back - like regular visits to the salon three times a week for dinner in a restaurant or monthly shopping.
3.) The practice pushing your budget.
• The key to effective budgeting is to start small and eventually expand your budget over time. In this way, you are more likely to not break your budget and you will not worry.
