Mueller filing on Manafort sentencing still not public after midnight deadline

The public will have to wait a little longer to read Paul Manafort’s sentencing memo from special counsel Robert Mueller.


CNN.com – RSS Channel – Politics

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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!

Mueller could tell all in last major court filing in Paul Manafort’s case

Friday may be the day that special counsel Robert Mueller tells all in the long-running court saga of Paul Manafort’s prosecution.


CNN.com – RSS Channel – Politics

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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!

Here’s the Skinny on Filing Bankruptcy and How it Affects Your Life

“I. Declare. Bankruptcyyyyyy!”

As Michael Scott learned in “The Office,” getting rid of debt isn’t as simple as that declaration. Wouldn’t that be nice?

Many people think of filing bankruptcy as an easy way out. But these people have never filed bankruptcy.

What Is Bankruptcy?

Bankruptcy is a legal process by which an individual, couple or corporation with significant debt is either relieved of that debt or allowed to pay it off under a specified plan.

That may sound really appealing if you’ve got debt up to your eyeballs, but realize that even after filing bankruptcy, you may still have to repay your debt.

All bankruptcy really does is give you a metaphorical fresh start with your finances. Fresh like when you were 18 and the only credit card you could qualify for had 82% interest and a $ 500 limit.

While for some people, bankruptcy is better than having their wages garnished or their homes put into foreclosure, it should be a last resort for getting rid of debt.

But if you’re out of options, bankruptcy can give you a chance to get your debt under control and get creditors and collectors off your back (and out of your bank account).

Here’s How Bankruptcy Works

The process is extremely complex, so don’t expect to go through it alone — and don’t expect it to be cheap.

First, you’ll file with the bankruptcy court in your federal judicial district. There’s at least one in every state. In most cases, this administrative process is carried out by a trustee appointed to your case.

The trustee helps you file paperwork and oversees your estate (anything you own) during the case. They’re an impartial player who can challenge creditors’ claims or yours, based on conversations with both.

Then a bankruptcy judge decides whether to discharge your debts. They could deny you for a few reasons:

  • You failed to keep or produce adequate financial records.
  • You failed to explain any loss of assets.
  • You committed a crime, e.g., perjury.
  • You failed to obey a lawful order of the bankruptcy court.
  • You hid property that would have been included in your estate.

But in general, if you were able to show your inability to repay debts, you should be granted a discharge.

If they rule in your favor, you’re released from personal responsibility for your debts, and creditors can’t take any more action to collect them.

Bankruptcy Will Trash Your Credit Score

Bankruptcy will most likely be a black mark on your credit history — one that lasts up to 10 years.

But if you’re in over your head with debt, your credit is probably already pretty marred already.

Some experts say bankruptcy won’t hurt your credit much more than a poor payment history. Just make sure filing bankruptcy is really your best option, because the aftermath is not fun.

Here’s one woman’s story of what it feels like to declare bankruptcy and how she repaired her credit afterward.

Beware Bankruptcy Fraud

Remember when you’re filing: Bankruptcy is a legal action judged in federal court. So if you try to pull one over on your judge or trustee, expect some serious consequences. Here are some major no-nos:

  • Concealing assets to avoid having to forfeit them.
  • Intentionally filing false or incomplete forms.
  • Filing multiple times using either false or real information in several jurisdictions.
  • Bribing a court-appointed trustee.

If you’re caught doing any of these you could be fined, denied discharge or face criminal charges.

Types of Bankruptcy for Individuals

Couple planning budget over laptop at home

Individuals and couples can file one of two types of bankruptcy.

Chapter 7 Bankruptcy

Chapter 7 is the most common and is often referred to as liquidation bankruptcy. It’s for individuals who can prove they don’t have the income or means to pay off debts.

After you file, a trustee would help you sell your non-exempt assets, such as your home, car or other valuables, to repay your creditors. Then, even if the sale of those items doesn’t cover the debt in its entirety, you’re discharged from responsibility for your debts.

There is no debt limit for Chapter 7, but your “means” to pay off your debt will be tested and anyone who files for it is required to take credit counseling courses within six months of filing.

Most people can expect the process to take anywhere from three to six months.

Chapter 13 Bankruptcy

Chapter 13 — or “wage-earner bankruptcy” — is for people whose income makes them ineligible for Chapter 7. Individuals and families who file Chapter 13 will work with a trustee to restructure and reorganize their debts and pay it back over three to five years, in which time debtors are not allowed to take on any additional debt.

You won’t have to liquidate any assets in Chapter 13, meaning you can keep your house. Instead, your payment plan will be determined by your household income and how it compares to your state’s median income.

Chapter 13 bankruptcy does come with some debt limits. According to the Federal Judiciary, you can only have:

  • $ 1,184,200 in secured debt, i.e., debt that is secured by collateral, like a house or car.
  • $ 394,725 in unsecured debt.

Federal law requires you to make your first payment to your trustee 30 days after filing.

Other Types of Bankruptcy

The Federal Judiciary describes bankruptcy as it applies to businesses and less common types of bankruptcies. Here’s a basic overview:

Type Typically Used by Basic Requirements Debt Limit Filing Fee*
Chapter 7 Individuals Prove you don’t have the means to repay debts n/a $ 335
Chapter 13 Individuals Have reliable income and the ability to repay debts $ 394,725 unsecured; $ 1,184,200 secured $ 310
Chapter 11 Businesses Be engaged in commercial or business activities $ 2,566,050 $ 1,717
Chapter 9 Municipalities, including cities, counties and school districts Municipality must be insolvent n/a $ 1,717
Chapter 12 Family farmers and fisherman Individual or married couple whose primary income and debt are related to the farming or fishing operation $ 4,153,150 farming; $ 1,924,550 fishing $ 275
Chapter 15 Foreign debtors Case must involve parties outside of the U.S. n/a $ 1,717

*Fees and requirements are accurate as of February 2019.

What to Expect When You File Bankruptcy

The process is pretty involved, and you’re probably going to want to consult with a bankruptcy attorney to make decisions for your individual case. Here’s a quick overview of what to expect.

Bankruptcy Fees

You can apply to have Chapter 7 fees waived (with this form) or set up a payment plan for Chapter 13 fees if you can’t afford them upfront. To be eligible for a waiver, your household income should be less than 150% of the poverty line (calculated for you here), and you have to be unable to pay the fee in installments.

Additionally, you’ll be responsible for legal fees, which will vary.

Automatic Stay

Once you file bankruptcy, creditors and collectors have to stop trying to collect the money you owe them while the case is open.

That’s called an “automatic stay.”

If a company continues to try to collect during the stay, it’s violating a court order. Let the company know in writing, and the collections will likely stop. If they don’t, notify the bankruptcy court, which can punish the company for violating a court order.

Remember: Bankruptcy (Almost) Never Discharges These Debts

Debtors typically use bankruptcy to discharge credit card or medical debt. Many types of debt can’t be discharged this way, including:

  • Student loan debt (except sometimes).
  • Child support.
  • Alimony.
  • Most tax debts.
  • Debt you owe someone as a result of a criminal or civil charge, e.g., injury caused by a DUI.

For auto loans and mortgages, your debt may be discharged, but it could mean the creditor can seize the property you took a loan against — they could repossess your car, for example.

You can instead choose to “reaffirm” the debt, or leave it out of the bankruptcy discharge, and you’ll remain responsible for paying it off. And you get to keep your property.

Dana Sitar (dana@thepennyhoarder.com) is a writer and editor at The Penny Hoarder. Say hi and tell her a good joke on Twitter @danasitar.

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.

The Penny Hoarder

BEST DEAL UPDATE:

Sam's Club Membership Offer

‘Definitely and imminently’ filing suit against Trump administration: Xavier Becerra

ABC News

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!

90 Day Fiance’s Colt, Larissa Clap Back at Each Other After Divorce Filing

It’s far from over. The battle between 90 Day Fiancé‘s Colt Johnson and Larissa Dos Santos Lima rages on after her arrest and his subsequent divorce filing on Friday, January 11.

In a lengthy statement posted on Instagram Stories on Saturday, January 12, Dos Santos Lima, 32, said “the truth will come out” following an alleged altercation between the couple that left Johnson, 33, with “a swollen lip” and “bloodied” gums and teeth. (The Brazil native had bruising of her own, but authorities said that her lacerations did not corroborate her story.)

“After cleaning her off, officers determined that the cuts were not consistent with the kind of bleeding she was claiming,” Las Vegas Metropolitan Police Department Officer Jay Rivera told Us after the incident. “She also has scratches on her abdomen, but those injuries were also not consistent with the length of [Johnson’s] fingernails.”

90 Day Fiance Larissa Dos Santos Lima Speaks Out After Her Arrest
Courtesy of Larissa Dos Santos/Instagram

Dos Santos Lima seemingly addressed the authorities’ remarks, writing: “I want to thank everyone who toke [sic] time to investigate the domestic violence episode and found a ‘history of long nails.’” (Some fans posted photos on social media showing Johnson with longer fingernails and suggested that he had bitten them after the couple’s physical altercation.)

The TV personality also thanked fans for their GoFundMe donations, claiming that she raised all the money she needs to pay her friend back for posting her bail, as well as attorney’s fees for her pending court date. “It was extremely important for me because I have no income at this moment … I can’t legally work yet and I can’t start my business.”

She continued: “I also never had access or any control of the money we made on the show and with the cameos. They did buy to me some girl stuff so I could use on the show.”

The software engineer took to his own Instagram page soon after, detailing all the items he alleges he bought for his wife throughout their relationship and claiming that she came to the U.S. with “literally nothing.”

“The suitcases she used for travel I provided for her,” he captioned a picture of full garbage bags and boxes. “On her arrival I already had clothes waiting for her to wear and everything she needed to start a basic life in America. Over the course of months I continued to provide for her, gave her shelter, food, and supported her wants and dreams. When she wanted a dress or makeup I bought it for her. When she wanted to take ESL classes I found a class for her and drove her. When she wanted to go to a gym I took her to every gym in town and eventually she joined two gyms simultaneously. When she needed a doctor, lawyer, therapist I would always do what I could for her.”

“My sole mission since her arrival was to see that she was happy, taken care for and nurtured,” he added. “When she wanted to start her business I gave her a thousand dollars just to start. Every time she was in trouble, I was there.”

Dos Santos Lima, for her part, took to her Instagram after the Las Vegas-born star’s post, claiming that the TLC series bought her clothes and accessories— not her husband.

Despite all the he-said, she-said, people are taking sides on social media. Fellow 90 Day Fiancé star Anfisa Nava, who starred on season 4, wrote on Johnson’s post, “Should have maybe tried not to cheat on her and understand what she actually wants? And not instigate drama and then act all innocent? … Never wanted to comment publicly but you are a gaslighter … and the way you act is disgusting.”

The estranged couple, who have been hit with multiple cheating accusations and rumors since December, got engaged five days after they met in person in Mexico and tied the knot in June 2018, days after she was arrested for domestic violence the first time. She was arrested for the second time in November. Both charges were dismissed.

Us Weekly

BEST DEAL UPDATE:

Uber makes confidential filing for long-awaited IPO

Uber Technologies Inc has filed paperwork for an initial public offering, according to three people with knowledge of the matter, taking a step closer to a key milestone for one of the most closely watched and controversial companies in Silicon Valley.


Reuters: Technology News

BEST DEAL UPDATE:

Save 25% Off Full Size Kaplan MD Skincare (Excludes Lip and Skincare Sets)!

Michael Flynn court filing likely to reveal new details in Russia probe

Special counsel Robert Mueller is set to reveal the extent of Michael Flynn’s cooperation and insights into the dealings of Russians with the Trump campaign and administration a year after the guilty plea from President Donald Trump’s former national security adviser.


CNN.com – RSS Channel – Politics

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

BEST DEAL UPDATE BY AMERICAN CONSULTANTS RX:

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!

CI Investments slightly increase SPDR gold holdings in third quarter: filing

CI Investments Inc [CIXCI.UL] slightly boosted its holdings in the world’s biggest gold-backed exchange-traded fund during the third quarter, a U.S. Securities and Exchange Commission 13F filing…


Reuters: Wealth

BEST DEAL UPDATE:

Save $ 50 on select PCs with coupon code 50OFF499.