First Look: “The Chapter On Rocking The Skin You’re In” | Book of John Gray | Oprah Winfrey Network

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Watch Exclusive ‘John Wick: Chapter 3 – Parabellum’ Featurette: The Continental in Action

Watch Exclusive 'John Wick: Chapter 3 - Parabellum' Featurette: The Continental in Action

Banished from The Continental Hotel, the only place on Earth where he can find refuge, John Wick: Chapter 3 – Parabellum begins moments before our desperate action hero, embodied by Keanu Reeves, must go on the run from every other assassin on the planet. As his secret ally Winston (Ian McShane) remarks: "The odds are about even."

In our exclusive video, director Chad Stahelski, actors Ian McShane and Jason Mantzoukas, and producers Erica Lee and Basil Iwanyk talk about The…

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‘Game of Thrones’ sneak peek images offer early glimpse into tense next chapter

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Spoiler warning: The following post contains images from the next episode of Game of Thrones (Season 8, episode 2).

Let’s get to theorizing, Thrones fans.

Ahead of Sunday, HBO has released 14 new photos from Game of Thrones Season 8, episode 2. From Jaime facing the music to a mysterious strategy session, this sneak peek doesn’t reveal anything particularly unexpected — but in Westeros, where there’s a detail, there’s a theory. 

Here are all 14 photos, with some light speculation from Mashable’s investigative Thrones squad.

Gilly, Sam, and Little Sam cuddle up

Hannah Murray as Gilly and John Bradley as Samwell Tarly

Image: courtesy of hbo

While this image is undeniably adorable, lingering moments of sentimentality rarely bode well for the Thrones characters in them. Here’s hoping the events of episode 2 don’t threaten this happy family. Read more…

More about Photos, Hbo, Game Of Thrones, Preview, and Episode 2


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First Look: “The Chapter On Lives Interrupted” | Book of John Gray | Oprah Winfrey Network

OWN

SPECIAL NEWS BULLETIN:

http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE :

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Teresa Giudice Looking Forward To The ‘Next Chapter’ In Her Life After Divorcing Joe

Teresa Giudice is trying to ‘detach’ from Joe Giudice as he appeals his deportation order to Italy, but her husband would be ‘heartbroken’ if they actually went through with a divorce.

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This Is What Happens to Your Debt When You File Chapter 13 Bankruptcy

We hear about bankruptcy in the news all the time. But the type we hear about most, Chapter 11, is what businesses typically use to restructure their debts.

Chapter 7 and Chapter 13 are the bankruptcy types individuals like you and I are most likely to encounter. (You can learn about Chapter 7 bankruptcy here.)

The process can get tricky fast, so keep reading to learn who’s eligible for Chapter 13 bankruptcy and how it works.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is known as a “wage earner’s plan,” because it allows working people to make a plan to repay their debt over a three- to five-year span.

While filing Chapter 13 bankruptcy may reduce or discharge much of your debt, there are a few key exceptions: alimony, child support, some taxes, federal student loans and criminal fines.

To be eligible for Chapter 13 bankruptcy, you must:

  • Have unsecured debts (credit cards, student loans, medical bills) of less than $ 394,725.
  • Have secured debts (property, vehicles) of less than $ 1,184,200.
  • Have already gone to credit counseling individually or in a group.
  • Be working with a regular income.
  • Be current on your taxes.

If you’ve filed for Chapter 13 bankruptcy in the past two years, you’re ineligible to petition for bankruptcy again.

Is Chapter 13 Bankruptcy Better Than Chapter 7?

Chapter 7 bankruptcy is often referred to as “liquidation bankruptcy.” A court-appointed trustee takes your assets and divides the funds among your creditors. You may be able to keep your home, although exemptions for property vary by state.

Chapter 7 bankruptcy is a quicker process, lasting only a few months. If you fail the Chapter 7 means test that determines your ability to pay part of your debt, you can convert your petition for bankruptcy to one for Chapter 13.

Chapter 13 is often seen as a more attractive method of filing for bankruptcy for homeowners, because it gives you a chance to save your home from foreclosure if you’re behind on your mortgage. However, you must make all mortgage payments on time during the Chapter 13 payment plan or you’ll risk losing your home.

Another key difference between Chapter 7 bankruptcy and Chapter 13 is that in the latter, your debt due to a separation or divorce may be discharged or reduced.

During your Chapter 13 payment plan, you’re not allowed to take on any new debt without court approval. Chapter 7 is not as strict.

What Happens When You File Chapter 13?

a paper form for filing bankruptcy.

You must pay a $ 235 filing fee and a $ 75 administrative fee to file for Chapter 13, which can be paid over four installments with permission from the bankruptcy court. The bankruptcy forms ask about creditors, the amounts you owe to them, your income, your property and your monthly expenses.

Even if only one spouse is filing for bankruptcy, both parties in a married couple must provide this information.

Debt collection stops once you file your petition for bankruptcy, so that an impartial trustee can be appointed and meet with your creditors to work out a repayment plan. You’ll also attend this meeting to answer questions about your finances and your debt repayment plan. Then, within 14 days of filing for bankruptcy, your repayment plan must be submitted to the court.

Attorneys fees can often be paid back over the course of the Chapter 13 payment plan.

How Chapter 13 Repayment Works

When you file Chapter 13, you make all debt payments to a trustee, who then sends the proper amounts to creditors. You don’t have to interact directly with the parties you owe money to.

Depending on your repayment plan, you’ll make fixed payments on a regular basis by payroll deduction or direct payments. These payments start within 30 days of filing for bankruptcy, even if your payment plan hasn’t yet been approved in a court hearing.

How much will you pay? Typically, all of your disposable income, with an allowance of 15% of your gross income for charitable contributions. If your monthly income is less than the state median for a family the size of yours, you’ll pay for three years; if you make above the median income, you’ll pay for five years.  

If you have past-due amounts on a home, car or other loans with collateral, you’ll be able to pay back those balances over the length of your payment plan.

Is Filing for Bankruptcy Right For You?

Deciding to file for bankruptcy is a deeply personal choice and one to make after careful consideration.

For some, debt feels like an insurmountable obstacle, for which bankruptcy provides a way through. It also stops the barrage of calls from debt collectors while you work toward paying off debt that doesn’t get discharged in the bankruptcy process.

The black mark on your credit will last up to 10 years, but a history of missed payments and a stretched credit limit look just as bad to potential creditors.

One family The Penny Hoarder spoke with found bankruptcy to be more challenging than they originally expected. Instead of having the freedom to make simple purchases, they felt trapped by the process. They eventually used a large tax refund to leave bankruptcy early.

For others, the shame that often comes with filing for bankruptcy is worth it for a fresh start.

Lisa Rowan is a senior writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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‘How to Train Your Dragon: The Hidden World’ Interview: Jay Baruchel and America Ferrera Discuss The Final Chapter

'How to Train Your Dragon: The Hidden World' Interview: Jay Baruchel and America Ferrera Discuss The Final Chapter

It's among the most anticipated family films of the year, and Fandango is giving you a chance to see How To Train Your Dragon: The Hidden World three weeks before it officially arrives in theaters on February 22.

Oh yes, we did say THREE WEEKS EARLY!

Fandango is hosting the early access screenings on February 2. To grab tickets and find out where the final How To Train Your Dragon installment will be screening early by you, fly on over to our Fandango Early…

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Djokovic and Nadal add another chapter to great rivalry

After winning one-sided semi-finals that few will remember in years to come, Novak Djokovic and Rafa Nadal will face off in a blockbuster Australian Open decider on Sunday that offers much more than a clash of great players.


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Carroll & Co. to Close Store, Begin New Chapter

BEVERLY HILLS — This isn’t a story about a retailer that’s succumbed to a challenging business environment or digital disruptors.
Beverly Hills men’s retailer Carroll & Co. — frequented by Hollywood celebrities such as Frank Sinatra, Cary Grant, Gene Kelly, Jimmy Stewart and Jack Lemmon — is in the midst of a store-closing sale after nearly 70 years as the founder’s son looks to relocate and reinvent the business.
John Carroll, whose father Richard Carroll started the business in 1949, has his work cut out for him overseeing the store closing sale. But once that task is wrapped, he will reenter the men’s made-to-measure business — a segment of Carroll & Co. that has taken off in recent years. About 400 square feet of the store’s 8,000-square-foot footprint is dedicated to made-to-measure and so much of its business is done there, Carroll said.
“We do so much of our business out of that small space with our plethora of loyal custom clothing customers that, for me to transition our business and be able to continue to service those people who have been so loyal over the years, makes all the sense in the world,” he said. “We do more custom business than we

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‘Today’ show hosts embrace a ‘new chapter’ without Megyn Kelly

The “Today” show is moving past Megyn.

The first episode of the NBC talk show since Megyn Kelly was officially given the boot last week aired Monday with Craig Melvin, Hoda Kotb and Al Roker sitting front and center.

The trio filled in for the 9 a.m. hour, which belonged to Kelly until she was…

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