Download or read book Help Or Hardship written by John P. Hunt and published by . This book was released on 2020 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: A drawback of student loans is that a debtor must show “undue hardship” to discharge them in bankruptcy. An advantage of student loans is that most of them may be repaid using income-driven repayment (“IDR”) plans, under which the debtor can satisfy the obligation by paying a share of income over a specified time, even if the payments do not reduce the loan balance to zero.This Article addresses how the availability of IDR should affect the analysis of undue hardship in student-loan bankruptcy. It reviews relevant legislative history and Supreme Court precedent and draws three principal conclusions. First, the policies supporting a fresh start in bankruptcy apply to student loans, even if participating in IDR would result in an affordable payment. Second, when student loans have been in repayment for more than five years, the only policy supporting non discharge ability is that of creditor recovery. Third, IDR should make life easier for student-loan debtors, not to increase their exposure to hardship through denial of discharge. This Article applies these findings to several factual situations common in student-loan bankruptcy. It argues that IDR's availability should not count against discharge if IDR would extend the repayment period and the debtor could not maintain an above-minimal standard of living during the repayment period. In bankruptcies commenced after five years of repayment, the student-loan debtor generally should receive discharge if the creditor cannot show a substantial likelihood of significant repayment, so the availability of a zero-payment IDR plan should not weigh against discharge. The possibilities under IDR of negative amortization and tax liability weigh in favor of discharge, potentially by increasing the level of expected repayment the creditor must demonstrate. The debtor's failure to learn about IDR usually should not count against the debtor.
Download or read book Option B written by Sheryl Sandberg and published by Random House. This book was released on 2017-04-24 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 2015 Sheryl Sandberg’s husband, Dave Goldberg, died suddenly at the age of forty-eight. Sandberg and her two young children were devastated, and she was certain that their lives would never have real joy or meaning again. Just weeks later, Sandberg was talking with a friend about the first father-child activity without a father. They came up with a plan for someone to fill in. “But I want Dave,” she cried. Her friend put his arm around her and said, “Option A is not available. So let’s just kick the shit out of Option B.” Everyone experiences some form of Option B. We all deal with loss: jobs lost, loves lost, lives lost. The question is not whether these things will happen but how we face them when they do. Thoughtful, honest, revealing and warm, OPTION B weaves Sandberg’s experiences coping with adversity with new findings from Adam Grant and other social scientists. The book features stories of people who recovered from personal and professional hardship, including illness, injury, divorce, job loss, sexual assault and imprisonment. These people did more than recover—many of them became stronger. OPTION B offers compelling insights for dealing with hardships in our own lives and helping others in crisis. It turns out that post-traumatic growth is common—even after the most devastating experiences many people don’t just bounce back but actually bounce forward. And pre-traumatic growth is also possible: people can build resilience even if they have not experienced tragedy. Sandberg and Grant explore how we can raise strong children, create resilient communities and workplaces, and find meaning, love and joy in our lives. “Dave’s death changed me in very profound ways,” Sandberg writes. “I learned about the depths of sadness and the brutality of loss. But I also learned that when life sucks you under, you can kick against the bottom, break the surface and breathe again.”
Download or read book Debt Free Degree written by Anthony ONeal and published by Ramsey Press. This book was released on 2019-10-07 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every parent wants the best for their child. That’s why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.1 Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible! In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents: *How to prepare their child for college *Which classes to take in high school *How and when to take the ACT and SAT *The right way to do college visits *How to choose a major A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.
Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.
Download or read book Surviving Debt written by and published by . This book was released on 2024 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Broke written by Jodie Adams Kirshner and published by Macmillan + ORM. This book was released on 2019-11-19 with total page 357 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Essential...in showcasing people who are persistent, clever, flawed, loving, struggling and full of contradictions, Broke affirms why it’s worth solving the hardest problems in our most challenging cities in the first place. " —Anna Clark, The New York Times "Through in-depth reporting of structural inequality as it affects real people in Detroit, Jodie Adams Kirshner's Broke examines one side of the economic divide in America" —Salon "What Broke really tells us is how systems of government, law and finance can crush even the hardiest of boot-strap pullers." —Brian Alexander, author of Glass House A galvanizing, narrative account of a city’s bankruptcy and its aftermath told through the lives of seven valiantly struggling Detroiters Bankruptcy and the austerity it represents have become a common "solution" for struggling American cities. What do the spending cuts and limited resources do to the lives of city residents? In Broke, Jodie Adams Kirshner follows seven Detroiters as they navigate life during and after their city's bankruptcy. Reggie loses his savings trying to make a habitable home for his family. Cindy fights drug use, prostitution, and dumping on her block. Lola commutes two hours a day to her suburban job. For them, financial issues are mired within the larger ramifications of poor urban policies, restorative negligence on the state and federal level and—even before the decision to declare Detroit bankrupt in 2013—the root causes of a city’s fiscal demise. Like Matthew Desmond’s Evicted, Broke looks at what municipal distress means, not just on paper but in practical—and personal—terms. More than 40 percent of Detroit’s 700,000 residents fall below the poverty line. Post-bankruptcy, they struggle with a broken real estate market, school system, and job market—and their lives have not improved. Detroit is emblematic. Kirshner makes a powerful argument that cities—the economic engine of America—are never quite given the aid that they need by either the state or federal government for their residents to survive, not to mention flourish. Success for all America’s citizens depends on equity of opportunity.
Download or read book The Collection Process income Tax Accounts written by United States. Internal Revenue Service and published by . This book was released on 1978 with total page 4 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Hardship Happiness written by Lucius Annaeus Seneca and published by University of Chicago Press. This book was released on 2014-03-05 with total page 349 pages. Available in PDF, EPUB and Kindle. Book excerpt: Essays from the Stoic philosopher instructing how to find happiness in a world full of adversity. Lucius Annaeus Seneca (4 BCE–65 CE) was a Roman Stoic philosopher, dramatist, statesman, and advisor to the emperor Nero, all during the Silver Age of Latin literature. The Complete Works of Lucius Annaeus Seneca is a fresh and compelling series of new English-language translations of his works in eight accessible volumes. Edited by Elizabeth Asmis, Shadi Bartsch, and Martha C. Nussbaum, this engaging collection helps restore Seneca—whose works have been highly praised by modern authors from Desiderius Erasmus to Ralph Waldo Emerson—to his rightful place among the classical writers most widely studied in the humanities. Hardship and Happiness collects a range of essays intended to instruct, from consolations—works that offer comfort to someone who has suffered a personal loss—to pieces on how to achieve happiness or tranquility in the face of a difficult world. Expertly translated, the essays will be read and used by undergraduate philosophy students and experienced scholars alike. Praise for Hardship and Happiness “[The Complete Works of Lucius Annaeus Seneca] brings together many preeminent anglophone scholars of Seneca as editors and translators and succeeds in its aim to reach a wider audience through readable, modern English translations. . . . The overall high quality of the translations and notes make this volume (and its respective series) highly desirable for scholars and libraries alike.” —Classical Journal “A significant improvement over what has been available in English of the previous century. . . . The translations presented here admirably achieve the aim set out by the series’ editors: ‘to be faithful to the Latin while reading idiomatically in English.’ . . . Hardship and Happiness is a handsome volume, beautifully conceived and executed.” —Review of Metaphysics “We owe a debt of gratitude to Chicago for this one-volume selection of essays from long ago, which still have the power to stimulate our minds today.” —Classics for All
Download or read book Communities in Action written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2017-04-27 with total page 583 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.
Download or read book Happiness Through Hardship written by Caryn Sullivan and published by Balboa Press. This book was released on 2019-06-29 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: Does your diagnosis have you desperate as to what to do next? Shocked, scared and practically paralyzed with your next steps? Help is here in this brilliant, quick and simplified book backed with the best advice from a two-time cancer survivor who walked in similar shoes. Like a good friend holding your hand, Caryn Sullivan’s Happiness through Hardship is written in support of cancer patients, their caregivers and/or friends who need direction during the first few weeks after diagnosis. This cancer-surviving guide book empowers readers to take immediate steps for being prepared, less-stressed and able to find a little joy within the journey. Happiness through Hardship directs those facing an initial cancer diagnosis with positivity and hope. Structured with thoughtful tips and anecdotes, this short book provides gentle guidance from the first few days to the thickness of treatments, and includes a journal and note-taking pages to be used as a reference during doctor appointments and meetings. After her own cancer diagnosis, Caryn understands the importance of a book that’s easily digestible and not overwhelmingly long. Her insight provides a little light during the darker days. The first few weeks after diagnosis are often most challenging. Caryn was blessed to have three angels, Ellen Cavaiuolo, Mary Ann Wasil and Meghan Zucker guide her throughout the early days. This book is dedicated to them and half the proceeds will be donated to metastatic breast cancer research through The Cancer Couch Foundation.
Download or read book For Times of Trouble written by Jeffrey R. Holland and published by . This book was released on 2012 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: The author explores dozens of scriptural passages from the psalms, offering personal ideas and insights and sharing his testimony that "no matter what the trouble and trial of the day may be, we start and finish with the eternal truth that God is for us."--
Download or read book From Darkness to Sight written by Ming X. Wang and published by . This book was released on 2016 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: From Darkness to Sightchronicles the remarkable life journey of Dr. Ming Wang, a world-renowned laser eye surgeon and philanthropist. As a teenager, Ming fought valiantly to escape one of history''s darkest eras - China''s Cultural Revolution - during which millions of innocent youth were deported to remote areas to face a life sentence of poverty and hard labor. Through his own tenacity and his parents'' tireless efforts to provide a chance of freedom for their son, Ming eventually made his way to America with $50 in his pocket and an American dream in his heart, where against all odds he would earn a PhD in laser physics and graduate magna cum laude with the highest honors from Harvard Medical School and MIT. He embraced his Christian faith and tackled one of the most important questions of our time - Are faith and science friends or foes? - which led to his invention of a breakthrough biotechnology to restore sight. To date, Dr. Wang has performed over 55,000 eye procedures and has treated patients from nearly every state in the U.S. and from over 55 countries worldwide. He is considered the "doctor''s doctor," as he has operated on over 4,000 physicians. Dr. Wang has published 8 textbooks including a paper in the world-renowned journal Nature, holds several U.S. patents and performed the world''s first laser artificial cornea implantation. He is the recipient of the Honor Award from American Academy of Ophthalmology and the Lifetime Achievement Award from American Chinese Physician Association. Dr. Wang is currently the only surgeon in the state who performs 3D LASIK (18+), 3D Forever Young Lens Surgery (45+), 3D Laser KAMRA (45+), and 3D Laser Cataract Surgery (60+). Dr. Wang established a non-profit foundation which provides sight restoration surgeries for indigent patients who otherwise would never have the opportunity to receive them free-of-charge. This is a story of one man''s inspirational journey, of turning fear, poverty, persecution and prejudice into healing and love for others. It demonstrates how focus, determination, humility, and profound faith can inspire a life that, in turn, impacts that of countless others. "Dr. Wang is not only a dear friend and the very best eye surgeon, he is also one of the greatest people I have ever known." - Dolly Parton "To try to put my feelings about Dr. Wang, his accomplishments, his courage, his iron will and his faith into a couple of sentences would be tantamount to packing a Mack truck into a burlap bag. This remarkable man overcame all but impossible odds to become the best in his field and this world is a better place for having Dr. Ming Wang pass through it." - Charlie Daniels. "I have known Dr. Wang for nearly two decades - he is a respected eye surgeon and friend. What Ming has done with his life since arriving here in the United States as a penniless student over 30 years ago exemplifies the true essence of the American dream, and the freedom that we enjoy in this great country. I highly recommend his autobiography, From Darkness to Sight." - Senator William H. Frist, MD, former U.S. Senate Majority Leader "If I didn''t know Ming, it would be hard to believe the story of his life. But I do know him, and his life truly is a remarkable story of faith, persistence, and excellence." - Bill Haslam, Governor of the state of Tennessee "Ming Wang is well-known for the eye surgeries he''s performed to give countless people better sight. And it''s hard to forget that he''s also a ballroom dancer once you''ve seen one of his ads on TV. But what many people don''t know is that Dr. Wang also gives very generously of his time and talents so that blind children in other countries can regain their sight. What better gift can you give someone? Nashville is lucky to be able to count Dr. Wang as one of our own." - Karl Dean, Mayor, Nashville "My deeply respected friend, Dr. Ming Wang, has topped the heights of human achievement. Through his personal and professional triumphs he has captured the essence of what it means to be free and to be a loving humanitarian. The story of his unique life, as only he can tell it, will be a blessing and an inspiration to all who come to know it." - Former governor of Tennessee Dr. Winfield Dunn "From Darkness to Sight is an inspiring story that shows how hard work, optimism and faith not only can lead to personal success, but also make our country stronger. Dr. Ming Wang''s journey from dark days in Communist China to his career in the United States as a physician and philanthropist is a testament to the possibilities of the American Dream." - Senator Lamar Alexander
Download or read book SHORT SALE HARDSHIP LETTER EBook Course written by and published by Short Sale Hardship Letter. This book was released on with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Explanation in Causal Inference written by Tyler J. VanderWeele and published by Oxford University Press, USA. This book was released on 2015 with total page 729 pages. Available in PDF, EPUB and Kindle. Book excerpt: A comprehensive examination of methods for mediation and interaction, VanderWeele's book is the first to approach this topic from the perspective of causal inference. Numerous software tools are provided, and the text is both accessible and easy to read, with examples drawn from diverse fields. The result is an essential reference for anyone conducting empirical research in the biomedical or social sciences.
Download or read book When Helping Works written by Michael Bamwesigye Badriaki and published by Wipf and Stock Publishers. This book was released on 2017-05-03 with total page 172 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today, people from various parts of the world who are interested in helping fellow human beings impacted by famine, epidemics, wars, and poverty are uniquely positioned. They are interconnected due to globalization's impact, which also has implications for intercultural work and global missions. The ability to help people is a constructive asset, which calls for the need to build friendships and partnerships across the globe. Helping well depends on a number of factors, yet this book looks into the impact of stereotype threat and its effects on intercultural identities, the perceptions of others, and performance in intercultural missions. Human interactions continue to suffer due to fears, anxious reactions about confirming negative stereotypes about a person's identity, abilities, and effectiveness in global missions. Stereotype threat happens when caricatures and negative understandings about people's identities are invoked.
Download or read book The Second Chance Club written by Jason Hardy and published by Simon & Schuster. This book was released on 2021-02-16 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: A former parole officer shines a bright light on a huge yet hidden part of our justice system through the intertwining stories of seven parolees striving to survive the chaos that awaits them after prison in this illuminating and dramatic book. Prompted by a dead-end retail job and a vague desire to increase the amount of justice in his hometown, Jason Hardy became a parole officer in New Orleans at the worst possible moment. Louisiana’s incarceration rates were the highest in the US and his department’s caseload had just been increased to 220 “offenders” per parole officer, whereas the national average is around 100. Almost immediately, he discovered that the biggest problem with our prison system is what we do—and don’t do—when people get out of prison. Deprived of social support and jobs, these former convicts are often worse off than when they first entered prison and Hardy dramatizes their dilemmas with empathy and grace. He’s given unique access to their lives and a growing recognition of their struggles and takes on his job with the hope that he can change people’s fates—but he quickly learns otherwise. The best Hardy and his colleagues can do is watch out for impending disaster and help clean up the mess left behind. But he finds that some of his charges can muster the miraculous power to save themselves. By following these heroes, he both stokes our hope and fuels our outrage by showing us how most offenders, even those with the best intentions, end up back in prison—or dead—because the system systematically fails them. Our focus should be, he argues, to give offenders the tools they need to re-enter society which is not only humane but also vastly cheaper for taxpayers. As immersive and dramatic as Evicted and as revelatory as The New Jim Crow, The Second Chance Club shows us how to solve the cruelest problems prisons create for offenders and society at large.
Download or read book Force Majeure and Hardship Under General Contract Principles written by Christoph Brunner and published by Kluwer Law International B.V.. This book was released on 2009-01-01 with total page 626 pages. Available in PDF, EPUB and Kindle. Book excerpt: Lawyers involved in international commercial transactions know well that unforeseen events affecting the performance of a party often arise. Not surprisingly, exemptions for non-performance are dealt with in a significant number of arbitral awards. This very useful book thoroughly analyzes contemporary approaches, particularly as manifested in case law, to the scope and content of the principles of exemption for non-performance which are commonly referred to as 'force majeure' and 'hardship.' The author shows that the 'general principles of law' approach addresses this concern most effectively. Generally accepted and understood by the business world at large, this approach encompasses principles of international commercial contracts derived from a variety of legal systems. It's most important 'restatements' are found in the 1980 United Nations Convention on Contracts for the International Sale of Goods (CISG) and the UNIDROIT Principles of International Commercial Contracts (UPICC). Establishing specific standards and "case groups" for the exemptions under review, the analysis treats such recurring elements as the following: contractual risk allocations; unforeseeability of an impediment; impediments beyond the typical sphere of risk and control of the obligor; responsibility for third parties (subcontractors, suppliers); legal impediments (acts of public authority) and effect of mandatory rules; involvement of states or state enterprises; interpretation of force majeure and hardship clauses; hardship threshold test; frustration of purpose; irreconcilable differences; comparison with exemptions under domestic legal systems (impossibility of performance, frustration of contract, impracticability) The book is a major contribution to the development of the use of general principles of law in international commercial arbitration. It may be used as a comprehensive commentary on the force majeure and hardship provisions of the UPICC, as well as on Art. 79 of the CISG. In addition, as an insightful investigation into the fundamental question of the limits of the principle of sanctity of contracts, this book is sure to capture the attention of business lawyers and interested academics everywhere.
