Author Archives: Micheal Ellis

How to find a good pool fencing contractor

Are you aware that your swimming pool can be a source of disaster if you don’t fence it properly? Children are an extremely adventurous lot. If you do not take enough care to fence the pool well and they get access to it, they could drown. This is the last thing you want happening to your dear children. So, what do you do to prevent this from ever happening? Well, you need to ensure you hire the best contractor to do your fencing job. The following guidelines will show you how to find a good fencing contractor for glass pool fencing Perth.

• Ensure the contractor is licensed
Before you decide to choose a contractor, you must ensure they are licensed. This is because there are a number of people out there who are interested in the pay rather than the quality of work they do. Such people are willing to do anything to ensure you give them the job. The only way to escape this trap is to ensure that they are legitimate. You have to do your own homework to ensure the license is not a fake one. You can check with the regulatory body in your state to prove the legitimacy of a contractor. Choosing a licensed contractor will also ensure that your fence meets the set requirements for a pool fence. As such, you are not likely to clash with authorities.

• Check for insurance
Any contractor in any field must have an insurance package to ensure their client does not incur any extra costs related to the work being done. In a construction site, accidents are likely to happen. A contractor with insurance will cover the cost if one of their workers gets injured. This will save you as the client, any unnecessary expenditure in treating the victim. Again, you must ensure the insurance is updated. If not, move to the next contractor.

• Carefully, check the contractor references
Checking references is a good way to ensure your potential contractor can fulfill their promise to fence your pool well. Many contractors will select only their satisfied customers and allow you to talk to them. This, however, will give you biased information. To avoid this, you may use a neutral organization to ascertain the satisfaction of customers and know if any complaints have been made regarding the contractor.

• Ensure the contractor is adequately experienced
The aesthetics, durability, and strength of your pool fence can only be guaranteed by a contractor with enough experience. No matter how promising a contractor is, experience should be a guiding factor.

• Hire experts, not general contractors
You’ll definitely find general contractors who claim to be able to do your job well. Installing a pool fence require exceptional skills that can only be found in experts. To avoid getting into trouble, never pick on the general contractors. Expertise is key in pool fence installation.

• Sample a number of contractors
A good contractor will not have a problem visiting your pool and handing you a rough estimate of what your fence construction costs will be. A company that only issues quotations over the phone or via email is not trustworthy. You don’t want to get surprised when the cost that you agreed on over the phone changes to a higher figure when the contractor finally shows up. Consult with a number of the contractors as you ask for written quotations. You can then compare and pick the most affordable one.

• Ensure the contractor has warranty
The contractor must give the duration of warranty to ensure that your fence is guaranteed to last. The contractor must explain what the warranty covers and for how long. Most will last a year or two, but others provide up to three years.

Conclusion
The goal of having a perfect fence around your pool is entirely dependent on the contractor. To hire the right one, you need to follow the above criteria. A good contractor must meet all these standards in order to be a good one.

Why you should buy from Chinese Marketplaces

As China’s economy continues to grow in strength and size, purchasing goods from the country nowadays has become very easy. Regardless of how big your business is, you stand to benefit immensely should you decide to source your trade goods from the Far East nation. Some of the reasons why you should buy from China include:

Minimal Trade Regulations.

Provided you abide by China’s customs, you will be able to buy goods from the country in bulk and at substantially lower prices as the country enjoys low tax rates from the government. Additionally, Chinese laws do not require you to obtain any special permits or licenses to purchase from Chinese Markets. You are free to import nearly any product you want, in whatever quantity provided you follow the national and international trade laws.

Shorter Supply Chain

Though it might be a continent away, buying from China enables you to shorten your supply chain by cutting out middlemen in both your home nation and in some cases, China as well. This is because, when you buy from China, you can source the goods directly from the local manufacturer. As a result, you have more control over the distribution model. Your business, also, enjoys a higher level of flexibility and you can make and implement decisions to tackle business and operational risk faster.

Worldwide Shipping

China boasts a maritime industry that moves freight to almost every corner of the world and at possibly the lowest price you can find. With this global shipping network and continued globalization, you can ship goods to markets in your home country and expand your business to other corners of the globe easily. Take Wish.com as an example, most of the products on there are from chinese marketplaces that ship worldwide.

Reduced Costs of Production

It is widely known that labor regulations, workers unions, and a constantly changing legal environment can hamper your business operations. Opting to outsource your products or services from China can drastically improve the chances of your business surviving. By participating in Chinese Marketplaces, you will enjoy both low costs for parts and labor ensuring you get your products without having to spend a fortune. By choosing a Chinese business partner to navigate global business with, you can save between 20-30% on your cost.

The Quality of Chinese Goods.

For a long time, anything with the label “Made in China” would promptly attract negative sentiments of it being counterfeit. This notwithstanding, the Chinese manufacturing has held its own and continued to improve the quality of its products with each year while still maintaining the low price. The results of this quality goods at an affordable cost for the buyer.

Thanks to the staggering and prolonged growth experienced by the country’s manufacturing sector, choosing to buy from Chinese markets directly might prove to be your most sound business decision over time. This is contingent, however, on you conducting adequate and proper research to amongst other things;

– Identify hot markets

– Plan how your business can take advantage of these markets.

– Calculate the costs you will incur and the potential profits you will earn

– Avoid sellers of counterfeit and sub-standard products.

With all these factors tackled adequately, your business can begin enjoying the many benefits that come with buying goods from China. As these benefits accrue to your business too, you will start enjoying many cost savings resulting in lower prices and improved margins that will keep both you, the investor and your customers happy.

Four Reasons for Remodeling Your Bathroom Regularly

The bathroom is one of the most important and frequently used rooms within the house. Over time, however, you may notice some problems with its fixtures or even the functionality of the room. These are some of the reasons why its good to remodel your bathroom every few years. Such a remodel is an excellent way to improve the functionality of the space and its décor too. Although such an update can involve a lot of time and work, here are four reasons why bathroom remodels are worth the trouble when you get the right bathroom remodel contractor in irvine ca.

It Improves the Home Value

New flooring, freshly painted walls, new fixtures and a new shower or tub are just some of the options to consider with a bathroom remodel. With them, you can upgrade your bathroom and greatly improve the décor and looks of the space. Although you should expect to spend a considerable sum on the project, the money spent will often significantly be offset by the corresponding increase in value your home gains. As such, a bathroom remodel is a great investment especially when looking to sell your house.

To Meet the Needs of a Growing Family

Should you have a growing family, you will find that the size of your bathroom may no longer accommodate your family comfortably. Small bathrooms come with a level of difficulty to navigate especially with young children. Trying to help them in the washroom can be stressful; to say the least. A remodel every few months is, thus, a good idea. It will allow you to expand the room to accommodate a separate tub or shower, more storage space, and even a double vanity. All these will make the bathroom more functional and efficient for your family.

To Add Energy Saving Features

As noted, bathroom remodeling often involves a lot of work and time. Although it can be a huge inconvenience, if you can make it more energy efficient, it will be worth the hassle and expense due to the greater savings you will make with time. The good news is, there are plenty of options available to make your bathroom more energy efficient. Some of these include:

a) Energy efficient toilets – That save a couple of water gallons with every flush.

b) Low-flow faucets and showerheads – That reduce the use of water significantly.

c) Energy efficient light fixtures – That reduce your energy usage.

d) Solar water heaters – Will, as well, reduce your energy usage significantly.

To Fix Persistent Problems

Bathrooms, especially with time tend to develop some problems persistently. The mold and mildew might finally become too much, or the plumbing leaks might start leaking more often than not. When such problems arise, be advised that a remodel would be a better, more permanent fix to such problems. With such an upgrade, you can have a plumber install new plumbing and replace old, mold infected fixtures. In doing so, you will not only save yourself the numerous bills incurred for temporary fixes but, also, you will have safer bathroom space.

It is important that you plan your remodel well before you begin your upgrade as bathroom remodels can swiftly become more expensive. With your plan, have a realistic budget that you can stick to as you carry out your remodel. Although it will cause some chaos temporarily, once done, the trouble will pay off soon after as you enjoy your revamped bathroom.

Reasons To Sell Your Home if There's a Good Offer

Offering your home for sale in the modern market can become a nightmare. Insecurity, uncertainty, and fear that you will never be free of your property will be added to make the process of selling a string of negative experiences and almost crippling moments of self-doubt. Selling your home, if there is a good offer, turns into a positive experience, filled with material advantages that you will immediately appreciate. Below are some reasons why you should always sell your home if there’s a good offer from home buyers houston http://houstoncapitalhomebuyers.com.

The future of the market is uncertain
It is impossible to predict where the housing market will go in the future with 100% accuracy. If there are any signs in the past few years, there is only one predictable element of the housing market, and this is unpredictable.

If you bet on the future growth of the market, you will be exposed to the risk of taking a huge loss of your property compared to the price you can get today. The values ​​of the properties can be reduced, so selling a house can be reasonable before the values ​​become too low. The opposite is true when a property is evaluated highly. Significant money can be made in these cases.

If the home becomes small for the family
When the house is no longer suitable for the family, this may be the best time to sell. A difficult house that no longer meets the needs of all family members is not a pleasant place. In this case, before deciding to sell, some detailed studies of home improvements and a possible supplement can save the family a decent amount of money. And adding one room or expanding an existing space can be all that is needed.

Sale, when it is much suitable for all schedules
Many people have to sell their home because they are moving to work because they need to move for family reasons or reasons, and for purposes that are otherwise beyond control. If you are going to start a new life in a new place, then you do not want to remain connected with the property in which you lived. By selling your house, you can move with complete confidence.

Preventing foreclosure
If you are worried about your ability to keep your house or if you have one missed payment from foreclosure, but you have a good deal, you need to quickly sell your home to prevent a lawsuit that will haunt you for the rest of your life.

The condition of the home is not repairable
For property in disrepair, this may be a suitable time for sale. If it is more expensive to do repairs, selling a home, how can it be profitable?

Conclusion
Sale of a house can be an exciting, but difficult process. Every house and every situation are different. Because of this, the landlord must sell his house when the situation is perfect. The house must be sold for the correct amount in dollars if the landlord can financially provide his new home.

Five things to consider when getting a loan

No matter how much money we have on our monthly cheque, we all find ourselves under different circumstances in tight spots where our need for money is so urgent. There might be no one around to get a loan from, but in the age of the internet, there is a web of instant loan programs one click away, at your disposal in a variety of offers.

There is a multitude of websites like Sofortkredit that offer these loans, they are supported either by banks or loan institutions specialized in this kind of finance. Therefore, this is what to watch out for when getting an instant loan.

1- Processing Time: your need for the money might be too urgent, yet don’t let it blind you into lenders who take some days to get the funds you need. always look for the ones who approve faster to get the money quickly.

2- Loan Amount: Every lender sets the maximum amount instant loan they can lend, usually it is governed by State Laws, but still lenders are a little skeptic when it comes to first-time borrowers, if you are one, therefore, the maximum is restricted under certain rules and conditions. You should look for large amounts of money.

3- Low Interest: the state regulates the maximum interest instant loan lender can charge, and with the competition between lenders, interests are usually below the maximum interest, and sometimes very tempting low-interest charges. Which only means that you should compare the offers and choose the one that suits you perfectly.

4- Fees: another factor that comes into play is additional fees, they include three things, first is the opening fee which is the percentage of the requested total amount of money. Second is the fee for early repayment, in some cases, you are charged for early repayment of the loan. third is the penalty interest, this is the slippery-slope and joy of all benefit-driven lenders, in cases where money is not paid back within the deadline the lender will surcharge and add penalty interest.

5- Ability to make on time payments: don’t get carried away with your excitement to get out of the tight spot you are in. Consider wisely your current monthly dues like rents and utility bills. ad make sure you can still pay them on top of your loan. Make a list of priorities, and how much you need this loan compared to other things you will have to pay for anyway.

Instant Loans can trap you in a never ending debt cycle that will affect you both mentally and financially, you should consider your plans and how to get out of it, in other words, you should keep it a short-term solution, do not depend on it and try to get debts you will invest in long-term solution like finding a job or in a small project or something.

Instant loans are undeniably a brilliant idea to help people, yet lenders are interested in getting as much money out of you as possible, you should not fall into a dependence on them whenever you face a financial problem.

Finally, the tip that anyone can find useful is that there are things our body needs, there are things your mind needs, and there are things that are just psychological addiction we can do without although we’d die to have.

How to Find the Right Health Insurance Plan For Your Needs

Are you aware of you aware of the benefits of health insurance plans? Health plans are the ultimate savers in times of crisis that may occur in our future.

As the days go by we do not know what sort of misfortunes might come our way. For example, you may have to visit a medical expert due to some health complications and the expert will recommend that you go to a hospital for admission. This situation will suddenly call for you to produce a huge sum of money for medication and hospital bills. It can all happen suddenly and unexpectedly, and you cannot afford to risk your health.

If you are rich, then you could easily get by this type of problem. However, for most low-income earners, and everyone else this serves as one great challenge for their families. That is why insurance plans are considered as an effective solution to this problem, and even though they cost you money, they will save you a lot more money in the long run. If you live in Florida, it’s super simple as you can just get any one of the popular Florida Health Insurance Plans that are available.

Health insurance plans safeguard the money of low-income earners, and it is increasingly used as a means to secure peoples health future as well. To be able to get appropriate medical support in times of illness a health plan is needed when you don’t have cash on hand.

If you think that purchasing health plans are an additional bill that would significantly reduce your budget then you are mistaken. Due to a large number of insurance providers, there has been a surplus of these types of services, and more and more plans are affordable at cheap competitive rates. You can now get health plans without hurting your budget.

For you to be able to get cheap premium rates, you must take note of a few important things. Insurance companies give a higher price rate for people who easily get sick so keep your body fit and healthy to get small health plan rates. If you have a medical condition, your insurance provider will give you an accurate coverage that addresses your health needs. Here are some tips for discovering the policy you need. How do you pick the right Health Insurance Plan, consider the following Tips:

1. Look At Your Employer Sponsored Health Plans

If you can have a health care plan through your employer, this may be a good option for you. However, if your employer is not going to pay the entire bill, you may want to compare individual health insurance quotes to see which option would be more cost efficient for you.

2. Determine What You Need

Knowing what you need to form your policy and what you can afford is very important when shopping for coverage. What are your current medical expenses? What can you provide for a monthly premium? Keep these things in mind when comparing health plan options.

3. Compare Plans

Compare plans from a variety of health insurance companies. Compare things like premiums, deductibles, and coverage options.

4. Do Research

Find out if the benefits offered will cover any pre-existing conditions. See if your current doctors are part of the plan. Know what hospitals and facilities are included. There are some circumstances you should be aware before signing up for a policy, so be sure to research each company carefully.

5. Consider The Top Health Insurance Providers

When choosing a company, you will want to pick a well-known company that has a good reputation. Stay away from discount health plans as they are not health insurance plans and are often not regulated by the state insurance commissioner.

6. Shop Around

The most important aspect of buying health insurance is shopping around. Make sure you compare multiple plans from top companies before you make your final decision.

When you have already determined your health needs the next thing to do is to find a perfect health insurance company to sign a contract with. You can ask your friends, family or insurance broker for real health insurance quotes that are relevant to you. You can also search the internet for health insurance companies and select which plans cover your needs

 

How to help in stopping pet violence

How do you help in stopping pet violence? When you want to stop pet violence, you should be aware of the tips that you would follow especially when you want to do it right. With a guide, you will learn the tips that you can follow to make it work. Here is a guide on how to help stop pet violence, perhaps one day you can even join the Humane Society headed up by Wayne Pacelle!

1. Report pet abuse whenever you see it

If you are a witness, who has seen someone abusing a cat or a dog, whether physically abused or just mere neglect, you should ensure that you report it to nearest local pet control. Neglect may need an educational visit, especially from a pet control officer. In addition, an abuse may need removal of the given pet from the stated home. Either way, you must call as a way of guaranteeing a better life for any pet. This will help stop pet violence that has been experienced in many places around the world.

2. Understand the link in between pet cruelty as well as domestic abuse.

There is a common direct link in between pet abuse as well as other domestic violence types, which you should be aware of whenever you need the best option. In any case, you suspect any form of pet abuse in a given home, you can make a phone call the nearest center for pet care. You will find pet control officers who will take up more measures on how to deal with the situation as stated.

3. Teaching children to respect pets

Children learning on how to treat and respect pets from their childhood to their adult lives will be important for their survival. In addition, they should learn on how to be a role model at the same time showing kindness as well as respect to pets. Through this,
they will be able to promote kindness among the pets. You must also teach children compassion if you want them to treat pets with lots of passion and care.

4. Volunteer to help pets

One of the best and easiest ways of helping pets right now is by becoming a foster family. Why say so? Most foster families do offer temporary homes for these pets especially when abused, sick and injured to give them some time when recovering. Your short-term, as well as loving care, could be what a pet needs before adoption into a new forever home. You will definitely help the given pet especially when looking for a new home.

5. Support any legislation, which promotes kindness to pets

With many legislation, which promotes kindness to pets in many places, you should ensure that you promote them. The process will also help in promoting kindness among the pets at the same time giving them a better life. Whenever you can see any violation on pet issues, you should be aware of the sections of the law that are being violated as well as ways of dealing with it.

In summary, the above is a guide on how to help stop pet violence to always remember.

 

Important Things To Know about Unemployment Insurance

From today’s financial state you will discover few careers that can be considered 100% safe. For most workers, joblessness insurance provides much necessary respite in the eventuality that one was a loss of their very own occupation. Usually, becoming redundant is by no fault of one’s own personality. Ever since the global financial system initiated in late 2007, a great number of have not merely their career, however, the power to spend its essential charges for that reason. Unemployment insurance is the distinctive line of insurance policies which can help day-to-day individuals who lose their occupation to enable you to pay off their expenditures, purchase food, and survive at the time of hardship.

Most of us without a doubt pay a great deal intended for insurance, may it be automobile insurance, medical insurance, for householders we have a building as well as details insurance and the like. Nearly all of individuals as well reside through pay cheque to pay cheque and merely don’t have sufficient of a “nest egg” to weather almost any storm which includes everlasting joblessness. For that reason, being out of work insurance is truly be considered a lifesaver in most of the people who are at risks of losing his or her employment.

Exactly how unemployment insurance works out is comparable to others of insurance as shown by biLlig a KAsse. You have to pay a monthly fee for an insurer and may you are unemployed in that case your policy will probably pay you a monthly sum for an agreed period. Based on your current unemployment insurance scheme, you might obtain a settlement for approximately 12 as well as 24 months. This kind of not simply comes in extremely helpful and should be tax-free. There are many corporations providing unemployment insurance, and while most provide virtually identical types of security, it might be excellent to review as many plans you can to find the lowest priced unemployment insurance policy that is furthermore the most comprehensive.

Today, although most of the huge, traditional insurance providers may offer a level of redundancy insurance, it could even be a great idea for you to do a bit of research internet and get yourself a couple of zero cost prices first. Don’t worry to speak to many insurance brokers as then you can certainly query them on their policies to ensure you already know the level of insurance for each. You don’t wish to be paying for unemployment insurance only to uncover eventually that you are insufficiently safeguarded if you lose your job.

A different useful selection you may make is usually to seek out an impartial unemployment insurance advisor. The reason being is they’ll be extremely qualified to discover and advise any policy that would fit either your financial situation plus your budget. Independent experts can even custom tailor a good unemployment insurance solution. They’ll manage to explain not only the general benefits of unemployment insurance and also highly recommend certain insurers saving you both time and expense. So, if you believe your job may be in jeopardy, then you should commence the search now and begin paying for unemployment insurance for peace of mind in the event of a difficult financial period in your life.

Avoid the Dangers of using a cheap iPhone screen replacement

Once you have decided to buy an iPhone, then it means that you are connected with your mobile service provider for two years. Most users purchased their iPhone with wireless carrier subsidy that can bring down the cost of this device. This is why many choose to buy an iPhone from a particular mobile service provider. You need to sign a contract, so you are bind to them for two years. For many, it is a good deal for them and also for the wireless company. However, it is important that you manage to ensure that your iPhone remains useful as well as in good condition during that time. In case you experience any issues and problems with your iPhone, then it is vital that you quickly look for solutions for you to make the most out of your device.

 

If anything goes wrong with your device, then you need to immediately bring it to the mobile service provider where you got the iPhone for them to do the necessary inspection to find out the cause of the problem. In a case of an iPhone screen repair, then most of the time it is not covered by the warranty provided by your mobile service provider. What you need is to look for a reputable Apple repair center or San Antonio iphone repair store that can offer high-quality screen replacement so that you can bring back the pristine condition of your device.

 

If you let it sit with broken or crack iPhone screen, then you will feel that it is unfair paying your monthly bill if you cannot use your iPhone to its full advantage. It is good to know that there are the wide array of options for you when it comes to screen repair. In case it is not covered by your warranty, then there is an authorized iPhone screen repair service that can help you solve this problem. It can offer you a cost-effective solution for screen replacement. It is important that you only trust a repair service that is connected to Apple to ensure that they will only use parts that are originally from Apple.

 

Some users are having a second thought when it comes to iPhone and iPad repair from an authorized repair company because they charged higher than a local mobile phone repair shop. You need to change the screen if you want to continue using your device and dealing with a reputable company is the best choice despite the price. The good thing about this service is the fact that they can offer free shipping and free back shipping with three months warranty. This is something that you cannot get from other repair services. If you are having doubts, then you can easily do online research to find out if you can trust the company to send your iPhone. It is vital to ask for the number of days you need to leave your iPhone or iPad. A reputable iPad repair company will ask you to wait for 3 to 5 business days.

Trust Deeds, Your Assets And Your Home

Scottish trust deeds offer a form of debt help for Scotland that is similar to the English IVA (Individual Voluntary Agreement) that enables a debt repayment deal to be agreed between debtors and creditors that benefit both parties. There are significant differences between the trust deed and the IVA, but they both basically have the same objective.

 

That is to enable the debtor to avoid bankruptcy, and the creditors to receive a better repayment than would have been possible were the debtor to be declared bankrupt. Although this form of debt help for Scotland would be a good choice for you if your debt situation is such that it was the best solution for you, many people are nevertheless unsure as to their position regarding their assets.

 

Before discussing assets, however, first, a very brief explanation of how Scotlands trust deeds work, and when you should and should not use them as a debt solution. If you have unsecured debts (credit cards, store cards, overdrafts) for which you find it impossible to meet the repayments, then a trust deed might well be your best bet. It will not help you with secured debts such as your mortgage or car loan, but if you cannot pay your mortgage because you are also trying to pay the credit card companies, then it might be a very good way to consolidate your unsecured debts and still be able to maintain your mortgage payments.

 

The first step with Scottish trust deeds is that a qualified insolvency practitioner will be appointed as your trustee, and will initially determine your income and outgoings. Your essential expenditure, such as your mortgage, council tax, utility bills, car finance and any other secured loans will be deducted from your income along with a sum that the trustee considers sufficient for your living expenses. What is left from your income after these deductions will be split between your creditors proportionate to how much each is owed?

 

Your creditors will then be made an offer of that amount each month for three years, and they have five weeks to object to the offer. A failure to comment is regarded as an acceptance, and if more than half don’t object, and if the total objections do not amount to more than a third of the total money you owe, then your proposal is accepted, and you start making the payments. Keep them up, and at the end of the three years your debts are regarded as completely paid, even if the amount actually paid is only a fraction of what was owed: 30% – 70% are not unusual repayment figures.

 

Your creditors will accept the agreement if they believe they will get less by forcing bankruptcy. So far, then, Scottish trust deeds seem to be of benefit to you. However, many people are worried about what happens to their assets, and here is where the bad news comes along.

 

If you own a car that is not essential for your work, then you will likely have to sell it and add that to the trust fund. The trust is initially funded by the balance left of your income as calculated by your trustee, and the trustee fees as agreed with your creditors are deducted from the fund. Your car (or boat, or motorbike) will be sold, and that added to the fund before the percentage payout to your creditors being calculated. If you have expensive collections, such as art or other artifacts, then these will be sold as will anything else regarded as not being essential.

 

If you own a house and have equity on it, you will likely have to realize that equity. You could sell it, and any profit added to the fund after your mortgage and any other loans secured on your property have been cleared, although, unlike bankruptcy, will be unlikely to be forced to sell it. A family member could contribute a sum equivalent to the equity, or your trustee could help you get a secured loan to the equity value.

 

The loan you receive will then be added to the trust, and your monthly repayment reduced because your loan repayment will be taken from your disposable income. However, it is not likely that Scottish trust deeds will involve you losing your home, although it is equally unlikely that you will be allowed to profit from selling it.

 

This is a better form of debt help for Scotland and its residents than being declared bankrupt. In that case, you are liable to lose all your assets, including your home contents in many cases, and a bankruptcy does far greater damage to your credit rating than a trust deed.

 

There are few doubts which are the better option, and when you consider that Scottish trust deeds were introduced as form of debt help for Scotland to enable bankruptcy to be avoided, and people to keep their homes while doing their best to pay as much as possible to creditors of unsecured loans, then it should be considered as a genuinely good alternative to ‘going bust’ as they say.