Debtors Seek Cheap, Low Cost Affordable Bankruptcy With Rising Bankruptcy & Here's How You Get It



With the trend towards rapidly rising filings in bankruptcy becoming the norm once again in today's dire American economic and unemployment climate, a growing number of consumers are increasingly seeking cheap, low cost affordable bankruptcy, usually meaning without the lawyer. They seek nonlawyer system of bankruptcy filing that provide them affordable, cost-effective bankruptcy, while yielding them the same end result as would using a high cost bankruptcy lawyer - having in hand the bankruptcy court document that shows you're officially declared a BANKRUPT.

THE NEW REFORMED LAW: ITS BASIC MISSIONS & OBJECTIVES

On October 17 2005, amidst highly charged tense drama, high expectations and robust promises, the new "reformed" bankruptcy law enacted by Congress, the 2005 Bankruptcy Abuse and Consumer Protection Act or BAPCPA, went into effect. Largely enacted at the instigation principally of the powerful, well-financed credit and financial industries, among other special interests, the law had been touted as something of a bankruptcy cure-all that was going to fix a "broken" bankruptcy system in America. Principally, it was going to reverse, or at least drastically reduce, the high volume of bankruptcy filings and the increased use of bankruptcy by American consumers in resolving their debt problem. The overarching argument and premise expressed by the banking and financial industry advocates and supporters of the reform law in urging the law's enactment, had been that the steady upward trend at the time in bankruptcy filings was due primarily to "fraudulent bankruptcy filings" by consumers and the "excessive generosity" of the old bankruptcy system which, it was said, encouraged "abuse" and allowed a great many number of debtors to repudiate debts that they could quite well pay, at least in part. Ironically, almost in the entire debate about the enactment of the 2005 law, virtually no mention or discussion was made concerning the debtors' being able to find, or to afford or to get, low cost or cheap bankruptcy filing, either with bankruptcy lawyers or without it.

The stated and yet unmistakable mechanism by which the new 2005 law was to pursue this primary objective of the new law, was essentially to force debtors who could supposedly afford to repay some of their debts, into filing for Chapter 13 bankruptcy, in stead of Chapter 7. That is, filing the type of bankruptcy (Chapter 13) that requires one to repay his debt, or at least some of it. Briefly summed up, primarily by restricting access to eligibility for Chapter 7 - as primarily determined through the so-called "means test" calculation on a debtor's income - the new law was to drastically weed out and curtail the number of debtors filing for bankruptcy.

Alright, today it is now going to 4 years since the BAPCPA law was put into effect, and has it attained its sponsors' stated mission? And if so, to what extent so far?

In point of fact, for the first few years after the implementation of the law in October 2005, the original objective of that law at least in the area of drastically curtailing the number of bankruptcy filings, actually seemed not only to have been attained, but to have in fact been dramatically surpassed. Almost immediately after the law came into effect, there was a blunt, vivid dramatic drop seen in the number of bankruptcies filed in the system in the years immediately following the law - the filings went from 1,597,462 in 2004 (the last normal year of filings before the new law was enacted), to a mere 590,544 in 2006, and only 826,665 in 2007. No bankruptcy filings that were low cost or affordable to debtors, were largely available in this earlier post-2005 law, however, since most filers at the time were largely intimidated by the lawyers' common talk about the supposed "complexity" of the new law, and simply used only the lawyers to do their bankruptcy almost exclusively.

In years prior to the new 2005 law, Chapter 7 bankruptcy filings accounted for roughly 70% of all non-business or consumer bankruptcies (it was precisely 71.5% in 2004, the last year before 2005 when the new law took effect), while Chapter 13 bankruptcies accounted for approximately 30% or less. The post-2005 year bankruptcy filings for the earlier years after the 2005 law, showed, however, a marked increase in the number of bankruptcies filed under Chapter 13, to the extent of some additional 10%,.

And what we find is that the American debtors, once again, are fast returning to the same high rate of bankruptcy filings as the pre-2005 levels. In deed, informed expert projections are now that we'll land right back pretty soon at the same old "square one" heights in bankruptcy filing - back to the old "bad" high pre-2005 bankruptcy filing levels which the 2005 "reform" law just enactment by Congress had been meant to reverse and cure.

According to data from the Automated Access to Court Electronic Records (" AACER"), there were over 120,000 U.S. bankruptcy filings in May 2009 or 6,020 for each of the 20 business days in May, marking the first time that daily bankruptcy filings have topped the 6,000 mark since the 2005 bankruptcy law was adopted. According to one widely respected expert at bankruptcy filing figure crunching, Professor Robert Lawless of the University of Illinois School of Law whose calculations place the average daily filing rate for 2004 (6,339) as the "benchmark" for the pre-2005 filing rate, what America is currently seeing is a filing trend which is already hitting the high pre-2005 mark, and right now the long-term trend is directly towards the same filing rate as before the 2005 bankruptcy law was adopted.

Thus, the returns from the May filings on an annualized basis, keep us on track for a projected filing of 1.45 - 1.50 million bankruptcies this 2009, depending on how closely the current trend adheres to, or deviates from, the bankruptcy filing trend for the remaining part of the year.

THE 2005 LAW HAS FAILED ON TWO FUNDAMENTAL COUNTS: FAILS TO STEM THE GROWTH IN BANKRUPTCY FILING RATE & IN KEEPING BANKRUPTCY AFFORDABLE

Clearly, then, the "reformed" 2005 BAPCPA law has woefully failed in its FIRST avowed fundamental objective of drastically curtailing the upward trend in bankruptcy filings by the American debtors. But, in addition to that, there is another very important way, in deed even a more profound way, in which that law has woefully failed for the American debtor: it has made the bankruptcy system far more cumbersome and difficult, and far more expensive and even unaffordable for debtors. Among the primary anti-debtor provisions of this new law, this current law:!

== now makes it harder for debtors to discharge certain types of debts

== now forces a greater proportion of debtors to repay their debts

== now imposes special responsibilities and restrictions that are uncommon, even upon bankruptcy lawyers and bankruptcy document preparers (e.g., lawyers are now required to personally vouch for the accuracy of the debt and financial information their clients providing, and to do more unnecessary paperwork) thereby giving the lawyers more excuses for jacking up their fees for bankruptcy even higher

o now imposes tremendous restrictions and undue scrutiny upon the Bankruptcy Petition Preparers
( the name given by the Bankruptcy Code for nonlawyers who help debtors with their
bankruptcy paperwork, as generally far lower costs), the net result of which has been to discourage affordable assistance for bankruptcy filers and thus chase them into the offices of bankruptcy lawyers who charge some 50 times the fee of the BPPS to do basically the same thing for the debtor

o now imposes a new requirement (and additional expense) which requires debtors to undergo credit and budget counseling, and

o subjects bankruptcy filers to a mountain of paperwork, documentation and procedures that could be quite daunting for anyone in order to file for bankruptcy.

EXORBITANT LAWYERS' FEES FOR BANKRUPTCY FILERS AS THE BIGGEST ANTI-DEBTOR CONSEQUENCE OF THE NEW LAW!

But perhaps the biggest anti-debtor consequence brought about by the new law - the consequence which, by most expert opinion, is precisely what had been intended by the banking and credit industries which were principal sponsors of the new law - is that by introducing far more paperwork and unnecessary extra complexity and protocols in the way the bankruptcy process is undertaken, it has enabled the lawyers' to find an excuse by which they have been able to jack up and to justify the fees and the costs of filing for bankruptcy. The costs of filing for bankruptcy since after the 2005 law, have become prohibitively high, in deed unaffordable, for the average bankruptcy filer. The average lawyers' fee for a simple bankruptcy in parts of the country today, has shut up to a whopping sum of $2,500 for a simple Chapter 7 bankruptcy, and about $4,500 for a Chapter 13, among other new complications now to be confronted by the debtor who wishes to file for bankruptcy. For attorney Las Vegas many debtors, this therefore leaves the low-cost nonlawyer bankruptcy method, as the ONLY real remaining, practical, but effective and affordable alternative to the use of lawyers for their bankruptcy.

But Don't Despair. There are Still Some Open Avenues of Cheap, Low Cost Affordable Bankruptcy Remedy For Debtors!

Here's the good news. True, filing for bankruptcy under the new 2005 law has become considerably more cumbersome and certainly more expensive as compared to what had been the case previously. However, even under the new law, filing for bankruptcy, especially Chapter 7, is still a fairly straightforward process for a large number of filers. This is so more especially when you (the debtor) do it using basically one unique alternative system to traditional use of lawyers in bankruptcy - namely, using a nonlawyer, self help system, or one which uses a competent reliable Debt Relief Agency or Full Service Bankruptcy Document Preparer, in doing your bankruptcy paperwork. This kind of service, which utilizes skilled persons possessed of great skill and competence in the process to prepare the required bankruptcy papers for a debtor for a mere fraction of the lawyer's fees, could often be one of the wisest, most cost-effective and yet simple alternative in getting one's bankruptcy done.


The overarching argument and premise expressed by the banking and financial industry advocates and supporters of the reform law in urging the law's enactment, had been that the steady upward trend at the time in bankruptcy filings was due primarily to "fraudulent bankruptcy filings" by consumers and the "excessive generosity" of the old bankruptcy system which, it was said, encouraged "abuse" and allowed a great many number of debtors to repudiate debts that they could quite well pay, at least in part. No bankruptcy filings that were low cost or affordable to debtors, were largely available in this earlier post-2005 law, however, since most filers at the time were largely intimidated by the lawyers' common talk about the supposed "complexity" of the new law, and simply used only the lawyers to do their bankruptcy almost exclusively.

In years prior to the new 2005 law, Chapter 7 bankruptcy filings accounted for roughly 70% of all non-business or consumer bankruptcies (it was precisely 71.5% in 2004, the last year before 2005 when the new law took effect), while Chapter 13 bankruptcies accounted for approximately 30% or less. Perhaps the biggest anti-debtor consequence brought about by the new law - the consequence which, by most expert opinion, is precisely what had been intended by the banking and credit industries which were principal sponsors of the new law - is that by introducing far more paperwork and unnecessary extra complexity and protocols in the way the bankruptcy process is undertaken, it has enabled the lawyers' to find an excuse by which they have been able to jack up and to justify the fees and the costs of filing for bankruptcy. The average lawyers' fee for a simple bankruptcy in parts of the country today, has shut up to a whopping sum of $2,500 for a simple Chapter 7 bankruptcy, and about $4,500 for a Chapter 13, among other new complications now to be confronted by the debtor who wishes to file for bankruptcy.

A Junk Removal Company Can Remove Your Furniture And Other Junk For A Fair Price




If you have a lot of junk in your garage, backyard, basement, office, home, attic, and deck, you may want to consider hiring the services of a junk removal company. Junk removal companies specialize in removing unwanted junk and materials from apartments, homes, construction companies, and commercial businesses.

You will not have to bring the waste to the curb if you hire a trash removal company. They will load the junk into their trucks and clean up afterwards.

Most junk removal companies take their jobs seriously and they can help you reduce the clutter in your home for a fair price. They will also make sure your trash is disposed properly and in an eco-friendly manner.

When their houses have been foreclosed and others use them when they need to remove stuff after a renovation or restoration, many people use junk removal companies. Additionally, many people use these companies when they need to get rid of furniture and over-sized items, and some people use them to clear fire damage.

Make sure you choose a reliable junk removal company. Make sure the removal specialists are licensed, bonded, and insured before they start working in your home. Accidents happen every day, so make sure the company is insured.

Before you hire a company, find out what kind of vehicles they have. Junk removal companies usually have large vehicles so that their workers can get the job done quickly. Most junk removal companies use enormous trucks and trailers. These vehicles allow them top carry more junk at one time. You may also want to find a contractor who recycles the materials and waste they collect.

The best junk removal companies will respond to your needs quickly. You should hear from them in at least 48 hours if you contact a company and leave a message. Reliable contractors will also show up on time when you make an appointment. Keep in mind that many companies offer off hour and same day services and some of them work on weekends and holidays. There are many professional., helpful, and friendly waste removal companies around.

Waste removal companies will save you time and clear out your junk, so that you can go to work and take care of important things. If you're demolishing something or need to clear unwanted items, they can help. They will get the job done quickly so that you can focus on work and your family.

Many companies charge fair prices and some of them offer free estimates. If you are on a strict budget, junk removal service companies are affordable even. The price you pay will depend on the company, how much junk you have, and whether or not they have to make several trips to your home. Some professionals charge a flat rate for their services. By doing research and checking a professionals' credentials and references, you will avoid many problems, save time, and feel good knowing that you have found a reliable company for your junk removal needs.

A junk removal company can help you remove heavy items, trash, toys, electronics and anything else you want to get rid of. Waste removal specialists are only a phone call way. They are there when you need their more info help and they will remove your junk as quickly as possible. Please remember that some jobs are time-consuming and too dangerous, so it is always a smart idea to hire a professional.


If you have a lot of junk in your garage, backyard, basement, office, attic, home, and deck, you may want to consider hiring the services of a junk removal company. Junk removal companies specialize in removing unwanted junk and materials from apartments, homes, construction companies, and commercial businesses.

The best junk removal companies will respond to your needs quickly. By doing research and checking a professionals' references and credentials, you will avoid many problems, save time, and feel good knowing that you have found a reliable company for your junk removal needs.

A junk removal company can help you remove heavy items, trash, toys, electronics and anything else you want to get rid of.

Why You Should Look Into Dental Implants



Modern dental restorative procedures have resulted in a considerable reduction in the number of teeth extracted each year, many people still have one or more missing natural teeth in their mouth. If you are one of them and looking for a permanent and lifelong replacement option for a missing tooth, then dental implants should be your first choice!

What is a Dental Implant?

A dental implant is a fixture that is embedded within the jaw bone and replaces natural teeth by supporting a prosthesis, such as a crown or removable or fixed denture. After the placement of dental implants, bone formation occurs in the surroundings of the implant, resulting in firm anchorage and stability of the artificial tooth.

How Do Dental Implants Work?

The success and excellent durability of dental implants is dependent upon their ability to form direct contact with the surrounding jaw bone. This process is known as osseointegration and ensures that any prosthesis that is placed over the implant remains retained and stable, thereby restoring optimal functioning of the artificial tooth.

Who Should Get an Implant?

In general, any person who has one or more missing natural teeth is a candidate for an implant. You should consider getting an implant if:

• You want a long term and durable replacement for your missing natural teeth.

• You want to restore your facial esthetics by getting your missing teeth replaced.

• You want to eat and speak without any difficulty.

• You want to get rid of your inconvenient and uncomfortable dentures.

Why Are Implants Better Than Other Dental Prosthetics?

Dental implants are gaining widespread popularity as the most convenient and durable replacement option for missing teeth. Let's have a look why you might prefer them over other tooth replacement options, such as dentures and bridges:

• Enjoy a Beautiful Smile - Loss of a tooth can ruin your smile and facial esthetics. Esthetically pleasing dental prosthesis can be placed over the implants, thereby restoring your beautiful smile and charming appearance.

• Durability - Unlike the dentures and dental bridges, dental implants are designed to last forever. If you take proper care of your oral health and adhere to your dentist's instructions regarding the care of the implants, you can expect them to function for a lifetime.

• Minimal Requirement for Tooth Preparation - Fabrication of teeth bridges, even for the replacement of a single tooth requires reduction of the adjacent teeth as well. On the other hand, placement of dental implants does not require any preparation or reduction of the adjacent teeth, thereby preserving the natural tooth structure.

• Eat Any Food You Like - People who wear removable or fixed dentures have to avoid eating hard and sticky foods. This means they have to miss out on many of their favorite foods. After replacing your teeth with dental implants, you can enjoy all of your favorite foods without having the fear of breaking or dislodging your dentures.

• Improved Oral Hygiene - Maintaining optimal hygiene around dental bridges can be difficult as the bristles of the brush are unable to remove food particles from beneath them. As a result, additional oral hygiene measures may be required to achieve optimal dental health. Unlike dentures and bridges, you can clean your dental implants exactly the same way as you clean your natural teeth, allowing you to maintain excellent oral hygiene and physical health.

• Comfort - Dental implants are embedded within the jaw bone just like your natural teeth. You get the same level of comfort, convenience and natural feeling as you have with your natural teeth when you replace a missing tooth with a dental implant.

How are They Placed?

Placement of dental implants is usually carried out in multiple stages. Single step implant placement procedures are also gaining popularity. The following steps are involved in the placement of dental implants:

• Formulation of a Treatment Plan - Before placing an implant, your dentist will have a detailed look at your medical and dental records, followed by performing an extensive clinical examination of your oral cavity. This is done to make sure that you are a suitable candidate for getting an implant, and to prepare a treatment plan that is tailored according to your dental needs.

• Administration of Anesthesia - Since implant placement is a surgical procedure, your dentist will anesthetize the region where the implant is to be placed, so that you remain comfortable and pain-free throughout the procedure.

• Reflection of Soft Tissues - In the next step, your dentist will make an incision over the oral soft tissues, Paradise family dentist so as to expose the underlying jaw bone.

• Placement of the Implant - A hole is drilled inside the jaw bone, such that it is slightly narrower than the actual thickness of the implant. The implant is then carefully tapped or screwed into position by applying controlled and precise forces.

• Provision of a Prosthesis over the Implant- In case a two-step implant placement procedure is planned, a healing abutment is placed over the implant and the overlying soft tissues are sutured to allow healing of the surgical site. The healing abutment is removed and a prosthetic is mounted to the implant once healing has taken place. If immediate implant loading has been planned, a prosthetic is immediately placed over the implant.

Dental implants are the next best to your natural teeth. So say goodbye to your dentures today, and start enjoying the convenience and comfort of your dental implants by talking with your dentist about the possibility of getting dental implants.


If you are one of them and looking for a lifelong and permanent replacement option for a missing tooth, then dental implants should be your first choice!

After replacing your teeth with dental implants, you can enjoy all of your favorite foods without having the fear of breaking or dislodging your dentures.

Unlike bridges and dentures, you can clean your dental implants exactly the same way as you clean your natural teeth, allowing you to maintain excellent oral hygiene and physical health.

• Provision of a Prosthesis over the Implant- In case a two-step implant placement procedure is planned, a healing abutment is placed over the implant and the overlying soft tissues are sutured to allow healing of the surgical site. If immediate implant loading has been planned, a prosthetic is immediately placed over the implant.

Help Choosing a Chiropractor For Optimum Chiropractic Care



Would you love the benefits and rehabilitative capabilities of this type of this alternative health care? With the growing population in America turning to Chiropractors for their Natural Health services you may be wondering how to pick the best Chiropractic office to "fit" you! For future Chiropractic patients, it is so vital to understand the proper guidelines for choosing the right Cape Girardeau Chiropractic Doctor.

I want to share with you the top 5 things you as a future Chiropractic patient should be looking for. You may ask what qualifies me in helping you look for a good Doctor of Chiropractic or other Natural Health Physician. Well of course I am a Chiropractor, and second I went through this search myself as I battled through tremendous health concerns of my own. Now migraine headaches and chronic back problems are a thing of my past. Here it goes ... the top 5 things you should be looking for:

1. The Chiropractor should RESPECT THE PATIENTS TIME!

Have you ever had the experience of showing up on time for a previously scheduled appointment only to find yourself waiting ... and waiting ... and waiting ... for the doctor? We both know how frustrating this can be! In my own opinion this is unacceptable. Of course, things can go wrong in an office, and at times life can jump out at you and throw out unexpected ups and downs. This is the time however to inform the patient that you are running late. In this type of case, I always inform my patients that I am running late and give them the option to reschedule.

The main point here of course is to prevent it from happening in the first place! No person loves waiting! ? So when you choose a Chiropractor, make sure you are dealing with a doctor who respects the patient's time as much as his own. In our busy lives, we are all so pressed for time, it is here when it is a comfort knowing that your Chiropractor values and respects your time too!

2. Your Chiropractor should respect your WELL BEING!

When you have something in your health that is clearly wrong and needs to be corrected, it is so important that you are dealing with a Cape Girardeau Chiropractic Clinic who will tell it to you straight. This is the time that you need a straight shooter.

When a patient sees me in my clinic, I promise to respect their well being. This means foremost and first a detailed exam for the patient so we can fully understand the extent of your problem. After that detailed exam, you can trust that I will give it to you straight and leave it up to you to decide how you wish to proceed. Don't just walk away from a practitioner who will not give you the full report, run. You need to know your options in plain English. If you did not fully catch what was going on, he should be more than happy to help you understand your problem better. When it comes to your pain, to your health, you need solutions and straight conversation. That is one of the first secrets to getting better fast.

3. Try to find Recommendations and Referrals!

In the perfect world, someone telling you of a trusted Chiropractor is the place to start your search for a good Chiropractor. This is not always possible I realize. There are many other ways to find reviews however.
If you are looking to find this, just Google Cape Girardeau Chiropractic or Cape Girardeau Chiropractor and you will see the Google places top ten list. Just click on a clinic and you can find some amazing reviews on the Chiropractor you are thinking of seeing.

4. The Warning Signs!

You need to know a couple of more things before walking into a Chiropractic office!

These are some of the "danger signs", if your Cape Girardeau Chiropractor exhibits them, you may want to avoid this doctor:

* Avoid a Chiropractor who merely touches your back or neck to determine if you should have an adjustment. Find a Cape Girardeau Chiropractor that has a analytical way to determine this, if it is a good way it should make sense to you and he should be able to show you the checks before and you should be able to see for yourself how they change after!

* Avoid a Chiropractor that forces you to sign a long-term treatment contract. Chiropractic is very safe, but you have no reason to be tied to a particular chiropractor for any long-term period of time unless your condition requires it.

* Avoid a Chiropractor that attempts to discourage you from preventative treatments and health benefits outside of Chiropractic Care, such as adequate nutrition and exercise. A Chiropractor that is looking out for you, he should at least be open to the possible means of caring for your health condition.

* Avoid a Chiropractor that is making outrageous claims that you realize are not feasible or who attempts to scare you into a treatment plan. We believe the patient should be given the respect of the proper information on their case, not trying and amplifying the case to scare them into doing what is not best for their health needs.
These are a few tell-tale signs that your Chiropractor is more concerned of his pocket book, then the patient's welfare.

5. Look for a Good Speed Of Service!

When I first got into practice, I used to spend way to long with my new patients. It seemed to me that good service meant lengthy service.

My patients have taught me that I was very wrong! I now see that people also wish to get in and out of their doctors visits in a timely fashion.


When you choose a Chiropractor, make sure you are dealing with a doctor who respects the patient's time as much as his own. In our busy lives, we are all www.myspinecc.com so pressed for time, it is here when it is a comfort knowing that your Chiropractor values and respects your time too!

In the perfect world, someone telling you of a trusted Chiropractor is the place to start your search for a good Chiropractor. If you are looking to find this, just Google Cape Girardeau Chiropractic or Cape Girardeau Chiropractor and you will see the Google places top ten list. Chiropractic is very safe, but you have no reason to be tied to a particular chiropractor for any long-term period of time unless your condition requires it.

Must Know Etiquette for Graduation Announcements Invitations Cards



Helpful Graduation Announcements and Graduating Invitations Etiquette for All School Grads

With today's varied and multiple educational options, graduation is a year round season and happening, which means everyone needs to prepared for graduating ceremonies, graduate parties with fancy and not so elegant dinners, and most of all, that all important gift giving. While academics accomplishments and achievements are an important element of celebrating any and all educational milestone, it is helpful if people of all ages are knowledgeable about the protocol of these gigantic milestones in their educational life.

Custom Graduation Announcements are for Announcing You're Graduating

When personalizing and sending your stylish announcements for graduates, good etiquette suggests that they should be mailed after the ceremony has been held. School grads, at all graduating milestones, should send graduating announcement cards to friends and family members who they would like to know about this significant educational accomplishment, even those who you might not have had recent close contact.

Personalized Graduating Invitations - What to Include and Who to Send the Invites To

Lots of people see little differences, there are, in fact, significant differences between graduating announcements and graduation invitations, regardless of whether they are for kindergarten, high school, college, nursing, and any other level of graduating. For most graduate ceremonies, the graduates usually are offered a limited amount of tickets, so in many cases, not every friend or family member will be able to attend. It is better to offer tickets to the immediate family members, including the proud grandparents. It is up to the grad to be very clear with those who actually receive a graduation invitation that the distribution is limited, and they should attend, if at all possible. And, for those who do not receive graduate invitations, a tactful explanation should be given explaining why is a brief explanation in their announcement.

Remembering Your Etiquette for Graduation Invitations and Graduating Announcements

It is truly interesting to see the difference in people who apparently have been taught about these etiquette situations as compared to those who have very little knowledge about graduation ceremonies and celebrations. For these and other reasons, everyone should prepare their children by ensuring they gain the confidence and understand why it's graduation cookout invitations important. With all the fanfare and celebrations surrounding graduations, from pre-k, high school, advanced degrees, and all levels in between, comes school graduating etiquette guidelines that they will want to be aware of and follow, thus ensuring everything goes smoothly and avoid having hurt feelings. Proper etiquette includes a wide range including, but not limited to, who should get invitations for graduation and school graduate announcements cards, appropriate gifts, party etiquette, and the all important, thank you note cards tips for surviving all graduations with class.

The lessons and skills learned while in the classrooms will help everyone on the job, but those people skills that you use and have are the ones that will afford you a definite advantage in the work environment. After all, good etiquette, whether socially or professional, makes everyone's life more complete and happier, since it includes behavior and interaction with others, and it is people and relationships who contribute to and drive our lives.


School grads, at all graduating milestones, should send graduating announcement cards to friends and family members who they would like to know about this significant educational accomplishment, even those who you might not have had recent close contact. Lots of people see little differences, there are, in fact, significant differences between graduating announcements and graduation invitations, regardless of whether they are for kindergarten, high school, college, nursing, and any other level of graduating. For most graduate ceremonies, the graduates usually are offered a limited amount of tickets, so in many cases, not every friend or family member will be able to attend. Proper etiquette includes a wide range including, but not limited to, who should get invitations for graduation and school graduate announcements cards, appropriate gifts, party etiquette, and the all important, thank you note cards tips for surviving all graduations with class.

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