Step seven: The challenges

By John Sage

It is time to make your initial investment purchases.

You will certainly currently be able to make important choices with self-confidence. You are currently able to make investment choices consisting of selection of property and exactly how private investments relate to your total recorded method,your individual Wide range Plan.

You are also able to express why a specific purchase is a good investment. You can explain the reasonable process relating to your choices.

You currently created an intellectual framework for your investment choices. Although you are obtaining confident with your investment choice you do not allow greed to generate an over exuberant emotion also if you think you have made an outstanding purchase.

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You have also conquered or handled your fears. You have made contingency plans.

You have a monetary strategy which covers exactly how to money your investment’s holding prices in times of crisis,in the event of unanticipated circumstances such as the loss of tenant,or outside environmental circumstances such as raising rate of interest or various other challenges. Your contingency intends indicate that you will certainly be ready for the unanticipated.

You have exactly how to take advantage of the essential idea that cost of an property is the “cost of financing” as opposed to merely the purchase cost.You ought to also be able to select the appropriate tax framework or various other monetary entity right into which you will certainly enter your property purchase.

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Practical Tips On Plumbing Fittings And Fixtures

Plumbing necessitates an assortment of fixtures and fittings- pipes,joints,faucets and more. Proper linking of the plumbing components is a necessity of the highest degree while building a home. The drainage system of a home needs to be in top condition and hence regular plumbing upkeep becomes an important task.Best plumbing service in the county

Internal plumbing is as important as the outside pipelines. Having a well connected and strong plumbing network is necessary to check happenings like wet walls,seepage and cracks. It is important to have regular upkeep of the critical plumbing units and also make changes to the fixtures and plumbing patterns if necessary. It is to be noted that certain components go well with each other when it comes to plumbing. For example the average copper piping fits well with the brass-bodied fixtures. Normally copper,PVC,steel and CPVC comprise the base material for building plumbing fixtures.

Budget buyers will go for the cheap plumbing alternatives- something that the professionals will strictly vouch against. The cheaper plumbing fixtures are more susceptible to breakdowns and leakages and also necessitate more frequent upkeeps. It is advisable to consult a professional plumber in this regard and one can go wrong in a number of ways. For a start,the right dimension specifications are tricky to comprehend for the rookies. One must also be able to comprehend the difference between the cheaper fitting variants with the quality ones.

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To sum it all up one can deduce that it needs consultations from the professional plumbing firms before making any sort of endeavors. Apart from these basic needs,there are some other parameters for which one needs consultation from the plumbing professional.

· Comprehending plumbing codes: There are set guidelines for plumbing put down by the Government. An average person won’t be much acquainted with the complexities that plumbing and fitting guidelines present. A professional help is thus deemed necessary.

· Determining the plumbing patterns: The plumbing patterns vary with the nature of the building and it is the professional plumbers who can best determine the patterns. A faulty plumbing pattern results in breakdowns,seepage and leakage. It is thus advisable to leave the job of plumbing to the pros.

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· Specialized skill requirement: People do make the mistake of doing their own plumbing work and fail miserably. Plumbing requires professional skill and technological knowhow to do it right. Most reputed firms employ plumbers with valid professional certifications to boot.

Acquiring off the strategy and marketing– Component 2

By John Sage Melbourne

When you purchased,you might have been usually some incentive although it did not seem aside from an additional factor to purchase the moment.

The inducements include:

  • Stamp duty saving
  • A exceptional position
  • Some additional benefit such as an upgrade in fit out,or something,anything

The issue is not that you got some financial savings,such as stamp duty,or some additional benefit such as a supposed far better position. The issue is that when you are offering,you do not have anything to provide,aside from what you have to market or a discount rate on the price,nothing else.

You have actually conserved stamp duty,however the next buyer will have to pay the full duty,which is mosting likely to lower the price instantly. And you can not provide a far better position that what you currently have,so there is not comparison marketing or negotiating,aside from as stated above,price. So what is mosting likely to give? Your price!

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Can it ever before function?

Yes. It is perhaps to find in at the beginning of a development as well as find an phenomenal residential property in an exception location.

Lots of real estate as well as residential property promo business intend to construct “energy” right into the sales project,as well as might quite possibly mark down several of the very first sales to be made.

It is likewise possible to be introduced to a very good acquisition by a person in the advertising network,especially at this essential time in the advertising project,that is,at the very start.It is likewise possible after some extremely tough negotiation,to get a well valued residential property at the end of a advertising project,when the programmer has stock that they are discovering hard to move,as well as desire to proceed to the next task.

The issue comes from assuming that you are obtaining a special bargain or acquiring right into the current hot property development,even if either you have actually been encouraged that this holds true or that the development appears to be “hot property”.

The answer is to once more,have a solid knowledge of the market,as well as to likewise understand what you are acquiring. By this,I imply that extremely few purchasers truly comprehend what the requirement of finishes as well as building as well as whether they are truly obtaining value for money.

Once more,you likewise require a Plan B,which is that if you fail to market your residential property for the fast profit you might have envisioned,that you are quite happy to get as well as hold the residential property at the price that you paid.

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Defining the Purposes of Debt Consolidation

It is extremely easy to get into financial trouble in today’s world that commonly uses credit in many types of purchases. Credit cards and personal loans are common as people can easily apply and get approved of a credit to buy the thing they want that can’t be afforded with cash. If you are one of them,you may end up living with paycheck-to-paycheck and struggling to meet the monthly payments for the credit you have used in advanced. Don’t let the situation goes worse,you need to fix the situation immediately and stop the spending behaviors that cause the debt problem.

Debt consolidation can be a solution to restore your finance back to order,but you need to be careful if you need to consolidate debt to get rid of overwhelming amount owed. It is helpful to do a self-assessment of your financial condition before deciding to go for debt consolidation.

First,you should consider whether debt consolidation is a right solution to fix your financial burden,it can be done by defining the purposes of consolidating debt.

1. The high interest rates burden you

Although you can still meet the monthly payments of various debts,but the high interest rates make you pay more in interest and slow you from settling the amount owned because most of monthly payment goes toward the interest instead of principal sum. Debt consolidation can be the best solution as most consolidation loans have low interest rates compare to other forms of credits.

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2. The monthly payment is too high,you want to reduce it

You are struggling to find enough money to make the monthly payment. It is too high as most of your income goes toward paying debt and you are looking for a solution to reduce it. Under this situation,debt consolidation can also be the best option. If you have a home,you may use it to get a secured consolidation loan that normally has the lowest interest compares to an unsecured loan. On the other hand,there are many low interest rate unsecured loans available for you to choose for consolidating debt.

3. You want to repair the damaged credit

If your credit is damaged by the existing debt due to late,miss or default payments,then it is important to get it fixed. Debt consolidation can be used for credit repairing purpose. But,if you credit score is too low,you may find it hard to get an approved consolidation loan,unless you own an asset such as home that can be used as collateral. If you manage to get an approved consolidation loan,then it is a good option to consolidate debt and repair the damaged credit. As long as you make the loan repayment on time,your credit rating will be improved.

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4. You want to take advantage of debt consolidation benefits

There are at least 2 key benefits of debt consolidation: save money with low interest rate loan and ease of debt management. If you want to take advantages of these 2 benefits,then finding a consolidation loan with interest rate that is lower than the existing rates will help you save money by paying less interest with a low rate consolidation loan. After the consolidation,the multiple accounts are paid off,leaving single loan account to be focused on that eases the debt management with only one monthly payment.

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Summary

Define the real purposes you are looking to achieve from debt consolidation help to assess whether the solution fits your financial needs.

Misfeasance Claims And The Consequences Explained

Whenever a business has been declared insolvent and liquidated,an investigation will be conducted into the what happened in the business leading up to the insolvency. Creditors will then receive partial payment from the liquidated company – normally by a solicitor (liquidator or administrator) who has been appointed to resolve the affairs of the business.

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However,if the investigation finds that the directors of the company did not act in a way that were in the best interests of paying creditors,they can be held personally liable for the remaining amounts that should be paid to creditors. These are referred to as misfeasance claims. There are a number of different actions that are thought to fall under the definition of misfeasance.

What Does Constitutes Misfeasance?

Any deed that is in breach of a director’s fiduciary duty to care for the company,its clients,creditors and the public in general could be considered to be misfeasance. An example is the misappropriation or misapplication of the funds,assets or property of the company that resulted in insolvency or the inability to meet financial obligations to creditors. The following misapplication of funds constitutes misfeasance:

– Preferential payment where one creditor has got their money or has been promised full payment instead to other creditors.

– Selling assets at less than their actual value.

– Concealing assets or removing assets from the business with the intent to prevent them being used to pay creditors.

– Drawing more salary than they should regardless of the failing financial state of the company.

– If the director has actually declared or paid illegal or incorrect dividends.

The breach of duties that are given to a director by the Companies Act 2006,can result in a misfeasance claim by one or more parties.

What Are Misfeasance Claims?

Any creditor that can prove that a director was not following his fiduciary duties resulting in the non-payment or partial payment of the company debt,can claim for misfeasance. The appointed liquidator or administrator will normally check the insolvency as well as the actions of the directors after insolvency for misfeasance. If misfeasance is then been found,a monetary claim in the amount of misfeasance,asset or part compensation (plus interest) can be sought against a director in their personal capacity. If the claim is upheld,the funds will be paid back to the company from which creditors will be paid.

Is There Any Defence Against Misfeasance?

There are a number of defence options that a director can take to protect themselves against a misfeasance claim. One common defence is the Duomatic Principle where a director cannot be held liable as long as they can prove he acted in accordance with a vote by shareholders which make his actions that of the company and liability for the actions the responsibility of the business. A statutory defence is also available where it can be proven that the director was acting in the best interests of the company at the time.

It is vital for directors to know what are misfeasance claims in order to avoid acting in any way that is breach of their fiduciary duty and get legal assistance before acting in a manner that may constitute misfeasance.

The Disadvantages Of Debt Consolidation And How They Differ From One Another

You will have no problem at all finding thousands of pages on the internet extolling the virtues of debt consolidation,but that is because they are all by people who are selling it as a service and therefore have a vested interest in pointing out the positive side. Getting to know what the possible disadvantage of debt consolidation can be is an altogether more difficult business,which is where this article comes in.

The first thing to say is that there is more than one type of debt consolidation,and the disadvantages are different with each one,so we will consider them separately. One form of consolidation is to take out a new loan in order to pay off all your debts. These are known as debt consolidation loans. The other way to consolidate debts is by using a debt management plan.

When you take out a new loan to pay off your debts,you are already at a disadvantage,because the very idea of taking on new debt is a risky strategy. Using a loan will certainly consolidate your debts,because you only have one single payment to think about,but it is very easy to end up worse off if you are not very careful.

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Many people take the advice of the potential lender at face value and look at the single smaller monthly payment as an indication that they will be better off. A lower monthly payment does not necessarily mean that a new loan is going to cost you less than your old debts. The reason most payments for consolidation loans are lower is that the loan is for a much longer period than your other debts were. In many cases if you add up the total that you will have paid by the time your new loan is paid back you will find that it has cost you far more than your old debts would have.

There is another disadvantage of debt consolidation with a loan if you are not very careful about which debts you consolidate. A lender will want you to include all your current debts and take out a loan big enough to pay off everything you currently owe. That can be tempting because the simplicity of a single payment is one of the attractions of debt consolidation,but you need to be very careful or you can end up costing yourself more.

What frequently happens is that people include all their debts,some of which may actually be at very low rates of interest. If you do not check whether the new loan is at a lower rate than the debts you are paying off,you may in effect be swapping some of your debts for more expensive ones. Before agreeing which debts to consolidate you should list out all your debts with the corresponding interest rates that you are currently paying. Check the interest rate for the new consolidation loan and only include in it those debts that are at a higher rate of interest.

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There are so many disadvantages with debt consolidation through a loan that the vast majority of situations are better dealt with through a debt management plan (DMP). In case you are not aware of how a DMP works,an experienced debt advisor negotiates with all your creditors and tries to set up new arrangements for paying back your debts. The idea is to reduce the amount you have to pay out each month by getting reductions in interest rates and other charges,which often includes writing off any penalty fees or extra charges.

When these negotiations are complete,you just make one single payment to the debt company and they have to deal with your creditors for you. You immediately avoid the big disadvantage of a debt consolidation loan,as there is no new borrowing involved,and the debt company often provide additional free services such as help with budget planning and tips for spending less.

A disadvantage of debt consolidation through a DMP is that they are only informal agreements,so you cannot force any creditor to participate if they do not want to. While many see this informality as a positive aspect of debt management,because it means you can change or get out of the agreement if your circumstances should alter,it does have a negative side too. There is no formal protection with a DMP,so if a creditor decides they want to take you to court instead,there is nothing in the debt consolidation process that can stop them.

The other disadvantage of debt consolidation through a DMP is that there are fees involved. All debt management companies have to charge for their services,and these are usually built into the payments you make. You could arguably save on these if you undertook the negotiation process yourself,but most people would not feel capable of doing that and in any event you would lose part of the benefit in not having to deal with all your different creditors payments.

The most important aspect of debt consolidation is to get reliable advice from a reputable company,so that you are advised properly on which route is going to work best for you. It is easy to apply quickly to several companies and compare the proposals and recommendations that come back. Start with a list of recommended companies that have a proven track record.FloridaDebtReliefHelp.com

Battlefields Old and New

There are other ways to enjoy the scenes of ancient battles than going to old ones,as using the live gaming system that an Australian couple has developed shows. In the past they were just covering their home country,but now they are looking for new overseas markets for their technology.

Battlefield Sports co-owners Peter and Nicole Lander are gearing up to attend the Live Gaming Summit in London later this month as keynote speakers,and launch the third generation of their gaming technology to possible international clients at the event.

At the moment they supply clients in 54 countries,including major theme parks in the UK,US and Singapore

“We just signed a deal on our new technology with Six Flags,one of the biggest theme park chains in North America,for a theme park in Montreal “We also sell to summer camps (in the US),and our game is really good because you can play with a lot of kids at once and they’re all engaged”.

The company even provided a set of its laser sports technology to a member of a royal family last year “I can’t tell you which one,but we sold our tech to a royal family in February 2018,” Ms Lander said.

Tara Croser “Everyone likes to have fun,even the royals”. Battlefield Sports,which was created in 1999,employs 12 people,incorporates technology into wearable gear and laser tag guns,allowing video game enthusiasts to experience their favourite games live and thus build their very own battlefields,perhaps even re-creating an old one,at least on a small scale?.

Although the company now makes most of its revenue from international buyers,Battlefield Sports said it entertains 15,000 Queenslanders each year through private hire of their gear,and by attending events at the company’s four “battlefields” in the state’s southeast.

The Landers,who are software developers and committed video gamers,have also recently received a $100,000 State Government grant that has allowed the company to hire three new full-time local staff members,to make a total of 12,with potential for more growth and local employment as they continue innovating “When we first started we were so tiny,it was just me and Peter,” says Ms Lander “We would just charge people $5 for a ticket just to cover the batteries “With the new technology we think that’s going to open up a whole new area of entertainment”

So besides going to those famous historical battle grounds in Europe,USA and beyond,with a guide / experienced expert,one that can show you all the salient parts of the battleground,answer all your questions and give you a real sense of how it all went those many years ago,why not look into creating a battlefield of your very own?

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Web Design Trends in 2019

Trying to keep up with web design trends is hard since it’s such a fast evolving field. Hardly a week goes by without the release of a new JS framework,elaborate build tool or testing suite — all of them touted as the one to learn.

Sorting the wheat from the chaff from the genuinely useful is no mean feat,so my aim in this article is to summarise some of the most interesting things going on in web development in the last year,and what things we expect to see more of in 2019

Looking Back on 2018: SPA,CSS Grid,and Speed Single Page Applications (SPAs) saw a leap in popularity in 2018.

A simple idea made possible by the power of modern Javascript,a SPA loads a page once then never reloads it or navigates to another page; instead,Javascript is used to alter the DOM and show new layouts in the browser.

It can provide a much better experience to the user and really change the responsiveness of a site. It’s an idea that’s been popular for a while but really saw a lot of developer engagement last year.

It’s fair to say that when HTML and CSS were created,they were not designed to handle the modern web. Thus,CSS preprocessors and libraries are everywhere,because they provide a more abstract,convenient interface.

2018 brought the widespread adoption of a native CSS grid,supported by all major browsers; a fantastic deal for headache-free aligning.

Backend Changes Expected in 2019:

So,what are some of the backend/server-side changes we can expect to see in 2019.

Containers

Containers are certainly not a new thing,but it’s a thing which is growing so fast that you have to check out. Today,rapid deployment is the thing you need,which means your backend/server has to have,repeatable environment. The idea here is to make development,testing,and production seamless.

Serverless computing

Serverless computing allows you to write and deploy code without ever touching the underlying infrastructure. Anyone who has deployed a website after manually setting up servers,load balancers,you will understand how much time configuring infrastructure can take.

Frontend Changes in 2019.

Vue.

Vue’s remarkable recent success is set to continue. It’s done so well because it implements exactly what developers want,in a very lightweight package.

Is this the death of server-side rendering? In the past,the standard way to create a website was to render all the files server-side before sending them to the user,using PHP and ASP.

Then Javascript frameworks/libraries started benig used,slowly at first,then in a rush. More and more parts of web applications moved client-side over the months,and now it’s common practice to create a Single Page Application entirely in the browser.

That doesn’t mean that server-side rendering isn’t used today,far from it; many new applications continue to use it because it fits well with their needs. However,while server-side rendering is conceding ground now,it’s still a good fit for a large number of sites so it is not going anywhere for the time being.

Progressive Web Apps (PWA).

There are some interesting data on apps vs websites on mobile devices. Whilst mobile sites receive about 12x as many visitors as apps,users spend roughly 20x longer on apps than mobile sites. So what if there was a way to get the user engagement of an app without the friction of using one?

A Progressive Web App,or PWA,is simply a name for a website which fulfills a set of needs and best practices,predominantly for mobile use. PWAs should load reliably and load fast,with snappy navigation and identical feel to a native app.

They are designed to be added to the home screen of mobile devices and are capable of operating offline. Google is a big fan of PWAs; Chrome automatically prompting users to add a website to their mobile home screen if it meets the PWA criteria.

2019 is set to be an interesting year for web developers and users,with exciting changes both at the front-end and back-end.

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Your Office Conference Rooms May Make You Less Productuve At Office Meetings Due To CO2 Build Up

If you work in an office environment,chances are you’ve attended a few team meetings in a small conference room with your boss and co-workers. In some cases you,once you emerge,you might wonder if it was much hotter in there than the rest of the office. Well,not only are you right about that,but the process could also be affecting your mental well being.

You see,when you’re placed in a small room with no ventilation (because it’s air conditioned) with a number of people,the carbon dioxide and heat tends to increase. At least that is what the New York Times have found. They have carried out over eight studies in the last few years have looked at what changes occur in the atmosphere in a room packed with people for a long time.

It is well known that air contamination can cause asthma,lung conditions,not to mention cancer in some instances. However,it turns out that poor air quality can also affect your ability to think clearly,or at least as well as you can normally.

The main reason behind all this is the drive to make offices more energy efficient,either to keep heat in or to keep them cool (via air conditioners).This is done by installing better insulation,but the process also involves reducing the air flow in / out of the premises,as this air flow increases the loss or gain of heat.

But,whilst technology improvements have made it easier to insulate buildings and install air conditioning units,the process has also meant that we are actually sealing in all the buildup of gases and toxins released by office staff.

You may have noticed one of the effects of this,in that if someone on your office floor has a bad cold,you may well find that more people are catching it than you would expect. This goes for you too of course,in fact there’s a higher chance you’ll catch the bug via the air on your office,than if you encountered them on public transport.

Unfortunately,indoor air quality is not checked as often as outdoors,so scientists can’t say this for sure that this is the case.

What they can confirm however is that a CO2 build-up of over 1,200 parts per million (Pppm) is a bad thing. You see,when you’re absorbing more carbon dioxide than you should,your blood vessels dilate,to try and absorb more oxygen from your blood into your organs. One of the effects of this,some researchers say,is to reduce neural activity between the parts of your brain. The upshot of which is to reduce your brain power and hence your decision-making process is impaired.

Unfortunately,they just can’t be sure to what extent that is. Dr Joseph Allen carried out a similar study in 2016. He suggests that,in order to ensure you have enough air flow to offset the buildup of CO2,a conference room should have at least 6 cubic feet of air flow per minute per person.

Even that may not be sufficient though. Better then would be to equip conference rooms with CO2 sensors,or perhaps just place the room on an outside wall and give them opening windows and not place them in the centre of the floor.That way meetings can take place with a fresh air flow from an open window,without causing issues for the rest of the floor.

Who knows,maybe this introduction of clean air may even give your employees greater brain power so that they can better swap ideas to handle the situation you’re having a meeting for in the first place..

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How To Find The Best Debt Settlement Program

Finally deciding to take solid steps to eliminate all your debts is important in getting your financial health back in good shape. Although finding the best debt settlement plan and negotiating with creditors is legal,you must be wary of whom you transact with. Likewise,you must be aware that opting for this debt remedy may cause your credit standing to take a significant nosedive. But since your are trying to find the best debt relief,you are most likely already several months in default,and your credit standing is already rated as poor by this time.

Best Debt Relief Resource

You can request counselors from the National foundation for Credit Counseling who are certified in budget and debt management to evaluate your debt settlement or debt consolidation options. Consultations are free and can be availed online,or over the phone; and you can be sure of the confidential handling of your case. The NFCC is the country’s oldest non-profit organization dedicated to educating consumers on proper debt management. As such,it has an impeccable reputation as the best resource for finding the best debt settlement solutions. Settlement plans cost depending on the amount of debt for settlement and the state of residency.

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How Debt Settlement Works

The best debt settlement companies can come up with settlement plans for people who are substantially late on their payments (3 to 6 months). These debt management professionals render the best debt negotiation services to come up with a settlement amount that is only a fraction of the original outstanding balance. It is often best to deal directly with the creditor before the account is endorsed to a collection agency as collection agents can sometimes be aggressive and relentless in chasing after delinquent borrowers. Likewise,negotiating early will keep the account from being noted as having gone to collection. Unsecured debts like credit cards are the best candidates for settlement plans.

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Various Options

There are various options in getting the best debt reduction and settlement. If you approach the NFCC to get the best debt help,they will endorse you to a settlement company with solid reputation,although you may opt to find one on your own. Just make sure that it is reliable as rated by the Better Business Bureau. Another option is to negotiate and settle your debt directly with your creditor. It will definitely be harder,but it may save you more money. Payments may be in lump sum or through installments payable in several months.

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Debt Settlement Alternative

Debt settlement does have a negative effect in your credit history,more so if you have an outstanding record prior to your delinquency. If you settle,the transaction will be reflected on your credit report not as “paid in full”.

A debt management plan (DMP) is an alternative to settlement which the NFCC may offer. Participation in a DMP will require payment of the debt in full over a pre-determined period that is no more than 5 years. Payments and interest rates are lower. A DMP likewise does not reflect negatively on your credit history like a settlement does.

Another option for debt settlement is filing for bankruptcy. This should only be considered as a last resort and never as the best debt settlement plan. A lawyer and counseling are required for this option and it will remain as a blotch on your credit rating for about10 years. This may also have an effect on your employment status.