Daily Archives: January 19, 2023

US says it’s time for Finland, Sweden to join NATO – ABC News

Posted: January 19, 2023 at 6:39 pm

  1. US says it's time for Finland, Sweden to join NATO  ABC News
  2. US says it's time for Finland, Sweden to join NATO  The Associated Press - en Espaol
  3. Davos 2023: Finland hopes Turkish minister's U.S. trip will boost its NATO membership bid  Reuters.com

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Russian FM Lavrov accuses NATO making overtures to India to create additional problems in ties with China – The Indian Express

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Russian FM Lavrov accuses NATO making overtures to India to create additional problems in ties with China  The Indian Express

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6 Times Quantum Physics Blew Our Minds in 2022

Posted: at 6:37 pm

The quantum world defies common sense at every turn. Shaped across hundreds of thousands of years by biological evolution, our modern human brain struggles to comprehend things outside our familiar naturalistic context. Understanding a predator chasing prey across a grassy plain is easy; understanding most anything occurring at subatomic scales may require years of intense scholarship and oodles of gnarly math. Its no surprise, then, that every year physicists deliver mind-boggling new ideas and discoveries harvested from realitys deep underpinnings, well beyond the frontiers of our perception. Here, Scientific American highlights some of our favorites from 2022.

This years Nobel Prize in Physics went to researchers who spent decades proving the universe is not locally reala feat that, to quote humorist Douglas Adams, has made a lot of people very angry and been widely regarded as a bad move. Local here means any objectan apple, for instancecan be influenced only by its immediate surroundings, not by happenings on the other side of the universe. Real means every object has definite properties regardless of how it is observedno amount of squinting will change an apple from red to green. Except careful, repeated experimentation with entangled particles has conclusively shown such seemingly sensible restrictions do not always apply to the quantum realm, the most fundamental level of reality we can measure. If youre uncertain as to what exactly the demise of local realism means for life, the universe and, well, everything, dont worry: youre not alonephysicists are befuddled, too.

Despite seeming like plot elements of a cult-classic science-fiction film, two unrelated papers published earlier this year describe not-at-all-fictitious ways of harnessing light at the quantum frontier. In one study, researchers reported the first-ever construction of laser-based time crystals, quantum systems that exhibit crystallike periodic structures not in space but in time. In the other, a team detailed how precise patterns of laser pulses coaxed strings of ions into behaving like a never-before-seen phase of matter occupying two time dimensions. The former study could lead to cheap, rugged microchips for making time crystals outside of laboratories. The latter suggests a method for enhancing the performance of quantum computers. For most of us, though, these studies may be most useful for sounding smart at cocktail parties.

The Mermin-Peres magic square (MPMS) game is the sort of competition one can win only by not playing. This dismal relative of Sudoku involves two participants taking turns adding the value of either +1 or 1 to cells in a three-by-three grid to collaboratively fulfill a win condition. Although the players must coordinate their actions to succeed, they are not allowed to communicate. And even if each correctly guesses the others move, the pair can still only win eight out of the games nine roundsunless, that is, they play a quantum version. If qubits (which can swap values between +1 and 1) are used to fill each cell, two players can, in theory, pull off a perfect run by avoiding conflicting moves for all nine rounds. In practice, however, the odds of guessing each move correctly are vanishingly slim. Yet by carefully leveraging entanglement between the qubits, during each turn, the players can surmise each others actions without actually communicatinga vexing technique known as quantum pseudotelepathy. In July researchers published a paper reporting their successful real-world demonstration of this strategy to achieve flawless performance. This isnt all fun and games, either: such work probes the fundamental limits of how information can be shared between entangled particles.

According to the tenets of quantum field theoryan uneasy union between Einsteins special theory of relativity and quantum mechanics used to model the behavior of subatomic particlesempty space isnt actually empty. Instead what we perceive as the void is filled with overlapping energetic fields. Fluctuations in these fields can produce photons, electrons and other particles essentially out of nothing. Among the various bizarre phenomena predicted to arise from such curious circumstances, the strangest might be the Unruh effect, a warm shroud of ghostly particles summoned by any object accelerating through a vacuum. Named for theorist Bill Unruh, who described it in 1976, this effect is so subtle that it has yet to be observed. That soon could change if a tabletop experiment proposed in April is successfully performed. The experiment involves accelerating a single electron through an intense and carefully configured electromagnetic field. This setup should lower the threshold of acceleration for the Unruh effect to visibly manifest, boosting the chances for catching a glimpse of its elusive quantum glow, the proposers say.

Not all counterintuitive quirks of quantum physics are linked to natural causes. Some are arguably more self-inflicted, arising from researchers questionable choices in how they name and describe certain phenomena. Consider the case of quantum spin, the label affixed to the angular momentum that is intrinsic to elementary particles. The term is confusing because such particles cannot physically spinif they were simply ever twirling subatomic gyroscopes, their rotation would be impossibly fast, well in excess of the speed of light. But quantum spin is crucial to accounting for the observed behavior of electrons and other particles: although they may not actually be physically spinning, the particles are clearly doing something. Exactly what that something is can be captured with utmost accuracy by mathematical equations, but its causal physical basis remains murky. One relatively new (and highly controversial) hypothesis appeals to quantum field theory for an explanation. In this proposal, particles (which arise from fluctuations in quantum fields) gain their spin (angular momentum) from their originating fields, somewhat like a turbine being spun by the wind. If this is where the angular momentum resides, Scientific Americans article on the idea noted, the problem of an electron spinning faster than the speed of light vanishes; the region of the field carrying an electrons spin is far larger than the purportedly pointlike electron itself.

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The Primacy of Doubt: From Quantum Physics to Climate Change, How the Science of Uncertainty Can Help Us Understand Our Chaotic World – Next Big Idea…

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The Primacy of Doubt: From Quantum Physics to Climate Change, How the Science of Uncertainty Can Help Us Understand Our Chaotic World  Next Big Idea Club Magazine

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An All-Nude Vacation With My Boyfriend Taught Me a Ton … – SELF

Posted: at 6:33 pm

The guests at the beach, pool, and bar areas represented every shape, size, and age. People with completely normal bodies seemed to feel more comfortable in their skin than I did, which made me loosen up a bit and not worry about that little scar on my left hip that I obsess over.

Before I knew it, I was running down the beach naked, letting a stranger draw on my bare breasts with body paint. Exhilarated, I actually mounted John on a beach chair in the daylight for a little afternoon delight as another guest snuck a stare. We seemed to be the only couple having sex in public, with the exception of a few blow jobs by the pool. One big poolside orgy it was not.

It turns out growling like a tiger can enhance your orgasm.

The main takeaway from our first Tantric couples' workshop was that some sex moves can help me experience a better orgasmand help my partner last longerwithout changing positions or involving fancy toys. This we learned from Kim and Brad Walker of Houston-based Tantric Hearts, who have been teaching at Hedonism II for 17 years.

Much like with yoga, a huge part of Tantra is connecting your breath with your movement. When we were having sex after the class, I instructed John to do the "breath of fire" we learned in class, aka breathe quickly through his nose from his navel. Doing so immediately slowed his orgasmic roll, allowing him to flip me over on top of him.

As we were about to orgasm, I literally looked at my notes from class to remember the next breathing technique. "Growl. Tiger. Loud. Mouth," my notes said. Bad note-taking aside, it was the push we needed to make an intense growling tiger sound out of our mouths as we started to orgasm. The point is to tap into the primal, animalistic nature of sex.

It felt silly, but the sound of the growl vibrated through my torso, giving me this delicious, humming buzz, as if the orgasmic energy were spreading through my body via the vibrations. It made my orgasm feel stronger, bigger, and longer.

Earlier in class, Brad said that if we did this correctly, "the neighbors should be jealous." Maybe even "a little scared," Kim added. Mission accomplished! As we exited our room an hour later, we got a little nod and a wink from a couple passing by.

Courtesy of Carrie Borzillo

Taking the time to explore helped us discover secret erogenous zones.

The "Drive Your Partner Wild With Desire" class focused on the Tantra principle of using all five senses (i.e., sight, touch, smell, taste, and sound) to awaken your sexuality and increase your pleasure. "These are the five keys to bigger and better orgasms," Kim told the class.

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Space exploration – History of space exploration | Britannica

Posted: at 6:27 pm

Precursors in fiction and fact

Since ancient times, people around the world have studied the heavens and used their observations and explanations of astronomical phenomena for both religious and practical purposes. Some dreamed of leaving Earth to explore other worlds. For example, the French satirist Cyrano de Bergerac in the 17th century wrote Histoire comique des tats et empires de la lune (1656) and Histoire comique des tats et empires du soleil (1662; together in English as A Voyage to the Moon: With Some Account of the Solar World, 1754), describing fictional journeys to the Moon and the Sun. Two centuries later the French author Jules Verne and the English novelist and historian H.G. Wells infused their stories with descriptions of outer space and of spaceflight that were consistent with the best understanding of the time. Vernes De la Terre la Lune (1865; From the Earth to the Moon) and Wellss The War of the Worlds (1898) and The First Men in the Moon (1901) used sound scientific principles to describe space travel and encounters with alien beings.

In order to translate these fictional images of space travel into reality, it was necessary to devise some practical means of countering the influence of Earths gravity. By the beginning of the 20th century, the centuries-old technology of rockets had advanced to the point at which it was reasonable to consider their use to accelerate objects to a velocity sufficient to enter orbit around Earth and even to escape Earths gravity and travel away from the planet.

The first person to study in detail the use of rockets for spaceflight was the Russian schoolteacher and mathematician Konstantin Tsiolkovsky. In 1903 his article Exploration of Cosmic Space by Means of Reaction Devices laid out many of the principles of spaceflight. Up to his death in 1935, Tsiolkovsky continued to publish sophisticated studies on the theoretical aspects of spaceflight. He never complemented his writings with practical experiments in rocketry, but his work greatly influenced later space and rocket research in the Soviet Union and Europe.

In the United States, Robert Hutchings Goddard became interested in space exploration after reading works such as The War of the Worlds. Even as a young man, he dedicated himself to working on spaceflight. In his 1904 high-school graduation speech, he stated that it is difficult to say what is impossible, for the dream of yesterday is the hope of today and the reality of tomorrow. Goddard received his first two patents for rocket technology in 1914, and, with funding from the Smithsonian Institution, he published a theoretical treatise, A Method of Reaching Extreme Altitudes, in 1919. Goddards claim that rockets could be used to send objects as far as the Moon was widely ridiculed in the public press, including The New York Times (which published a retraction on July 17, 1969, the day after the launch of the first crewed mission to the Moon). Thereafter, the already shy Goddard conducted much of his work in secret, preferring to patent rather than publish his results. This approach limited his influence on the development of American rocketry, although early rocket developers in Germany took notice of his work.

In the 1920s, as a professor of physics at Clark University in Worcester, Massachusetts, Goddard began to experiment with liquid-fueled rockets. His first rocket, launched in Auburn, Massachusetts, on March 16, 1926, rose 12.5 metres (41 feet) and traveled 56 metres (184 feet) from its launching place. The noisy character of his experiments made it difficult for Goddard to continue work in Massachusetts. With support from aviator Charles A. Lindbergh and financial assistance from the philanthropic Daniel Guggenheim Fund for the Promotion of Aeronautics, he moved to Roswell, New Mexico, where from 1930 to 1941 he built engines and launched rockets of increasing complexity.

The third widely recognized pioneer of rocketry, Hermann Oberth, was by birth a Romanian but by nationality a German. Reading Vernes From the Earth to the Moon as a youth inspired him to study the requirements for interplanetary travel. Oberths 1922 doctoral dissertation on rocket-powered flight was rejected by the University of Heidelberg for being too speculative, but it became the basis for his classic 1923 book Die Rakete zu den Planetenrumen (The Rocket into Interplanetary Space). The work explained the mathematical theory of rocketry, applied the theory to rocket design, and discussed the possibility of constructing space stations and of traveling to other planets.

In 1929 Oberth published a second influential book, Wege zur Raumschiffahrt (Ways to Spaceflight). His works led to the creation of a number of rocket clubs in Germany as enthusiasts tried to turn Oberths ideas into practical devices. The most important of these groups historically was the Verein fr Raumschiffahrt (VfR; Society for Spaceship Travel), which had as a member the young Wernher von Braun. Although Oberths work was crucial in stimulating the development of rocketry in Germany, he himself had only a limited role in that development. Alone among the rocket pioneers, Oberth lived to see his ideas become reality: he was Brauns guest at the July 16, 1969, launch of Apollo 11.

Although Tsiolkovsky, Goddard, and Oberth are recognized as the most influential of the first-generation space pioneers, others made contributions in the early decades of the 20th century. For example, the Frenchman Robert Esnault-Pelterie began work on the theoretical aspects of spaceflight as early as 1907 and subsequently published several major books on the topic. He, like Tsiolkovsky in the Soviet Union and Oberth in Germany, was an effective publicist regarding the potential of space exploration. In Austria, Eugen Snger worked on rocket engines and in the late 1920s proposed developing a rocket plane that could reach a speed exceeding 10,000 km (more than 6,000 miles) per hour and an altitude of more than 65 km (40 miles). Interested in Sngers work, Nazi Germany in 1936 invited him to continue his investigations in that country.

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The Future of Space Exploration | University of Central Florida

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Skip to main content Reaching New Horizons in Space Exploration Studies

Space exploration impacts our daily life from technology advancement to medical research to scientific discoveries. Two of the astronauts who launched into space are UCF alumni: Nicole Stott 92MS and the late Fernando Frank Caldeiro 95MS. For over 50 years, the university has played a big role in educating future engineers, administrators and space explorers something we will continue over the next 50 years and more.

At the Forefront of Space Exploration

Kennedy Space Center (KSC), the countrys gateway to the universe, is only 35 miles away from UCFs main campus. Here, faculty and students have the opportunity to partake in cutting-edge efforts. In fact, UCF has had more interns than any other university at KSC. The opportunity provides students with on-the-job training, soft-skills development, and involvement in research. Some go on to convert their internships into jobs after graduation. As students look to the stars and see endless possibilities, theyre reminded how the discoveries made today and tomorrow impact future generations to come.

Two space shuttle missions. A three-month stay on the International Space Station. The 10th woman to perform a spacewalk. Nicole Stott 92 broke barriers during her time as an astronaut. From her start as an operations engineer at Kennedy Space Center, she held different positions before achieving what once seemed like a far-fetched idea: becoming an astronaut. After her last mission, Stott led several groups at NASA before stepping aside to try something new: Inspiring students to blend art with science. While sharing her love of both subjects, she spreads a motivational message that this is our planet, and we need to take care of it.

Learn about how she soared to new heights.

UCFs relationship with NASA is really providing a reservoir of scientific talent that enables the goals of our space program. That kind of talent is not found in most universities in the country.

When the U.S. returns humans to the moon in the coming years, theres a good chance that UCF research will have played a role in the return, whether from landing there safely, harvesting its resources, or training the next generation of space scientists.

The university currently has more than a dozen projects aimed at getting people back to the moon safely. The projects range from reducing the harmful effects of lunar dust to protect equipment and astronauts to developing robotics, flying and landing space craft, and mining fuel to run it all.

The work is important because the moon can be a staging ground for future space missions, such as visiting Mars or asteroids, and its ice could be turned to water thats used to hydrate astronauts or converted into hydrogen and oxygen as fuel for rockets.

Explore UCFs lunar projects

From the start of studying space to the items left on the moon and the future of space exploration, our renowned faculty and student researchers share their knowledge and expertise. Learn about the impact that space research has made here on planet Earth and discover whats still to come.

As new space programs continue to take off from the Central Florida region and beyond, students have an opportunity to break into this exciting industry with a number of space degrees offered at UCF.

Best bachelors degrees for a career in space exploration and research

Top masters and doctoral degrees for advancement in the space industry

Leading business degrees that can be applied to the space field

Nationally recognized online space degree programs

Top 20 Most Innovative University in the NationU.S. News & World Report ranks UCF as one of the most innovative in its annual list of best colleges.

Top 15 Best Atomic/Molecular Physics SchoolsU.S. News & World Report ranked UCF as one of the best Atomic/Molecular Physics schools in the nation.

Best Undergraduate Engineering ProgramUniversity of Central Florida is ranked No. 75 in Best Undergraduate Engineering Program in the nation by U.S. News & World Report.

ABET AccreditedThe Bachelor of Science programs in Aerospace Engineering and Mechanical Engineering are accredited by the Engineering Accreditation Commission of ABET.

View all of UCFs Best Colleges rankings.

Innovation. Access. Impact. Our integrated approach to teaching and learning prepares students for the future of work and lifelong careers, making a difference in their communities and around the world.

Aerospace and Defense

Digital Arts and Entertainment

Healthcare

Hospitality and Tourism

Modeling and Simulation

Space

Transportation Science

4000 Central Florida Blvd. Orlando, Florida, 32816 | 407.823.2000 University of Central Florida

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Olympic Games | History, Locations, & Winners | Britannica

Posted: at 6:25 pm

Origins

Just how far back in history organized athletic contests were held remains a matter of debate, but it is reasonably certain that they occurred in Greece almost 3,000 years ago. However ancient in origin, by the end of the 6th century bce at least four Greek sporting festivals, sometimes called classical games, had achieved major importance: the Olympic Games, held at Olympia; the Pythian Games at Delphi; the Nemean Games at Nemea; and the Isthmian Games, held near Corinth. Later, similar festivals were held in nearly 150 cities as far afield as Rome, Naples, Odessus, Antioch, and Alexandria.

Of all the games held throughout Greece, the Olympic Games were the most famous. Held every four years between August 6 and September 19, they occupied such an important place in Greek history that in late antiquity historians measured time by the interval between theman Olympiad. The Olympic Games, like almost all Greek games, were an intrinsic part of a religious festival. They were held in honour of Zeus at Olympia by the city-state of Elis in the northwestern Peloponnese. The first Olympic champion listed in the records was Coroebus of Elis, a cook, who won the sprint race in 776 bce. Notions that the Olympics began much earlier than 776 bce are founded on myth, not historical evidence. According to one legend, for example, the Games were founded by Heracles, son of Zeus and Alcmene.

At the meeting in 776 bce there was apparently only one event, a footrace that covered one length of the track at Olympia, but other events were added over the ensuing decades. The race, known as the stade, was about 192 metres (210 yards) long. The word stade also came to refer to the track on which the race was held and is the origin of the modern English word stadium. In 724 bce a two-length race, the diaulos, roughly similar to the 400-metre race, was included, and four years later the dolichos, a long-distance race possibly comparable to the modern 1,500- or 5,000-metre events, was added. Wrestling and the pentathlon were introduced in 708 bce. The latter was an all-around competition consisting of five eventsthe long jump, the javelin throw, the discus throw, a footrace, and wrestling.

Boxing was introduced in 688 bce and chariot racing eight years later. In 648 bce the pancratium (from Greek pankration), a kind of no-holds-barred combat, was included. This brutal contest combined wrestling, boxing, and street fighting. Kicking and hitting a downed opponent were allowed; only biting and gouging (thrusting a finger or thumb into an opponents eye) were forbidden. Between 632 and 616 bce events for boys were introduced. And from time to time further events were added, including a footrace in which athletes ran in partial armour and contests for heralds and for trumpeters. The program, however, was not nearly so varied as that of the modern Olympics. There were neither team games nor ball games, and the athletics (track and field) events were limited to the four running events and the pentathlon mentioned above. Chariot races and horse racing, which became part of the ancient Games, were held in the hippodrome south of the stadium.

In the early centuries of Olympic competition, all the contests took place on one day; later the Games were spread over four days, with a fifth devoted to the closing-ceremony presentation of prizes and a banquet for the champions. In most events the athletes participated in the nude. Through the centuries scholars have sought to explain this practice. Theories have ranged from the eccentric (to be nude in public without an erection demonstrated self-control) to the usual anthropological, religious, and social explanations, including the following: (1) nudity bespeaks a rite of passage, (2) nudity was a holdover from the days of hunting and gathering, (3) nudity had, for the Greeks, a magical power to ward off harm, and (4) public nudity was a kind of costume of the upper class. Historians grasp at dubious theories because, in Judeo-Christian society, to compete nude in public seems odd, if not scandalous. Yet ancient Greeks found nothing shameful about nudity, especially male nudity. Therefore, the many modern explanations of Greek athletic nudity are in the main unnecessary.

The Olympic Games were technically restricted to freeborn Greeks. Many Greek competitors came from the Greek colonies on the Italian peninsula and in Asia Minor and Africa. Most of the participants were professionals who trained full-time for the events. These athletes earned substantial prizes for winning at many other preliminary festivals, and, although the only prize at Olympia was a wreath or garland, an Olympic champion also received widespread adulation and often lavish benefits from his home city.

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Im Still in Therapy: Simone Biles Breaks Silence on Paris Olympics Appearance – EssentiallySports

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Im Still in Therapy: Simone Biles Breaks Silence on Paris Olympics Appearance  EssentiallySports

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What Is Bankruptcy? Forbes Advisor

Posted: at 6:21 pm

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Bankruptcy is a legal process that lets individuals or businesses overburdened with debt eliminate debts and start fresh or, in some cases, work out deals with creditors to pay debts off manageably. It also gives creditors a way to recoup debts they may otherwise have to write off.

The U.S. Bankruptcy Code governs all bankruptcy filings. All cases are filed and heard in special federal courts. Ninety of these bankruptcy courts operate across the United States. While local procedural differences may exist, federal and not state or local law directs what happens in bankruptcy.

A federal bankruptcy judge oversees the court and makes important decisions, like which debts can be eliminated. However, a court-appointed trustee does the heavy lifting, which mostly occurs away from the courthouse. A debtor may never meet the judge or even appear in court.

Details depend on the type of bankruptcy, but in broad outline, the process involves:

An important point is that as soon as a debt is approved to be discharged, creditors must stop trying to collect it. This means no more phone calls, letters or lawsuits. Still, its often a difficult event for most filers, as a bankruptcy filing impacts credit scores and can be a lot of work.

The history of bankruptcy law in the United States is long and has gone through several iterations and repeals since its introduction in the early 1800s. It wasnt until 1898 that Congress passed the first enduring federal bankruptcy law, the Bankruptcy Act of 1898. The law has been amended and replaced, but at no time since has the federal government lacked a bankruptcy law, as it did at times before its passage. The Bankruptcy Reform Act of 1978, known as the Bankruptcy Code, replaced the amended Bankruptcy Act of 1898 and is the current law that governs bankruptcy cases.

Today, after many refinements of that original law, bankruptcy has become a standard feature of personal and business finance. Notably, bankruptcy filings have been declining in recent years.

Overall, bankruptcy filings have fallen sharply since the start of the Covid-19 pandemic. According to statistics released by the Administrative Office of the U.S. Courts, personal and business bankruptcy filings fell 29.1% for the 12-month period ending Sept. 30, 2021. Filings decreased by 29.7% from 2019 to the end of 2020.

Six types of bankruptcy exist, though some are used more often than others. Each is named after the bankruptcy code chapter that describes how they work. A person or organization seeking bankruptcy can, within limits, choose the type of bankruptcy they want to file.

Here are the three most common types of bankruptcy.

Chapter 7 is one of the most common ways individuals get relief from debts through bankruptcy. In some cases, businesses may choose to file Chapter 7. As part of a Chapter 7 filing, the debtor turns over his or her assets to a bankruptcy trustee. The trustee sells the assets and makes distributions to creditors from the proceeds. Whether creditors get all, part or none of the money owed them, a Chapter 7 filing ends their claims against the debtor, except for some debts that cant be erased this way. Only people who lack the means to repay their debts can use Chapter 7.

An individual debtor filing under Chapter 13 doesnt have to liquidate assets. Instead, creditors and debtors work out a plan to repay the debts. The plan doesnt erase debts, but it allows debtors to pay the debt back over time, typically three to five years. Debtors who have enough income to pay all or part of their debts must use Chapter 13 instead of Chapter 7.

Chapter 11 is mainly for businesses that need to work out new repayment plans with their creditors. Its for companies that expect to continue operating after bankruptcy reorganization. The court approves or disapproves of the plan of reorganization, although creditors get to evaluate the plan. Companies that dont plan to continue operating may go through liquidation bankruptcy.

Bankruptcy cant eliminate every type of debt. The specifics vary by chapter, but here are some common types of debt that may not be wiped out through bankruptcy:

Any debt arising from personal injury or death as a result of driving while intoxicated also will survive bankruptcy. So will fines and financial restitution imposed after a criminal conviction.

These arent hard and fast categories. For instance, student loans may be discharged in bankruptcy if the debtor can show repayment would cause an undue hardship.

Shepherding a case through the bankruptcy courts is a complicated process and calls for great attention to detail. While its possible to file for bankruptcy without legal assistance, especially in uncomplicated Chapter 7 liquidation proceedings, it could be wise to hire an attorney.

Bear in mind that creditors will certainly be lawyered up. And, while the judge and trustee can generally be relied upon to act impartially, neither will give legal advice.

The fresh start bankruptcy offers is not a perfectly clean slate. Bankruptcy can have serious and long-lasting financial consequences.

Bankruptcy shows on your credit report for a long time. Chapter 13 filings stick around for seven years; a Chapter 7 ding persists for 10 years.

The presence of a bankruptcy on your report can drastically lower your credit score. In general, you may find it more difficult to get a mortgage, car loan, credit card or personal loan for as much as a decade after declaring bankruptcy.

Bankruptcys negative consequences dont last forever. After bankruptcy, its possible to rebuild your credit and regain your former standing as a reliable borrower. Heres how:

Bankruptcy isnt necessarily right for every situation. You may be better off using one of several alternatives. They include:

Carefully evaluate the pros and cons of these alternatives to see whether bankruptcy is a better option. For instance, using home equity to pay off creditors preserves your credit rating but places your home at risk.

Free, No-commitment Estimate

The world of bankruptcy has its own jargon. Here are some technical terms likely to show up:

Bankruptcy can be a boon to debtors and creditors alike, helping settle accounts in an organized manner that is as fair as possible to all parties. Its not necessarily easy or quick, but, in some cases, bankruptcy is a workable solution to what could otherwise be an untenable debt problem.

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