Bankrupt Celebrities

Hiding behind all the glitz and glamour and what may seem like unusual celebreties are those who get bankrupt fairly frequently, though it’s also the case that they come through it quite often as well.

This could quite well be the reason behind Clarissa Dickson Wright being bankrupt not once but thrice! It was said that the first time was due to the champagne bill at her mother’s funeral!
The list of bankrupt celebreties is extensive and consists of celebreties from all walks of life from senators to TV stars to football players and movie stars. Often the reason for these James Charles Opens Up About His Experiences With Backlash Earlier This Year bankruptcies is that money is acquired quickly and when the checks come in, it doesn’t seem like they will ever stop. It’s like a dream and many celebreties don’t know how to deal with it and accordingly end up in excesses that they can’t afford.

Take for instance Kim Basinger who was said of all things to have bought an entire town! Kim Basinger bought the entire town of Braselton, Georgia for 20 million dollars and after being sued for a breach of contract not only had to sell Braselton but also file for bankruptcy.

While in her case it was one major expense that led to her demise, in cases of most celebreties it is a series of excesses and regular expenses that they can’t afford once their good times end and the checks stop rolling in as they once did.

Mike Tyson was said for instance to need $400,000 a month to maintain his life style but after filing bankruptcy now lives on a modest rented house in Phoenix.

Although it might seem unusual the reason why many celebreties go on this spending spree is that they genuinely assume that it is never going to end. Imagine; you are making money and getting a certain amount of salary and would think that this is an end less stream of money that you will continue to generate through out life. In your case in normal circumstances it will be true because as you gain experience and advance in your career your salary will only increase.

However, think of it from the point of view of a celebrity as they also think along the same lines. They also think that their earnings will be an endless stream which will not end. Although, what they do not realize is that unlike a normal salaried person their golden period will end and what they are making at this time is probably highly skewed and can’t keep on making it for the rest of their life. This is true for actors as well as athletes. They can’t really expect a 10% raise on what they are making till the end of their life. When money comes and comes in fast, it’s difficult for celebreties to think that it will ever stop. To such an extent that they even start ignoring the bad news. For instance an actress might ignore a bad review of her movie when she should probably take stock of it, see if something is wrong and then takes care of it.

The problem of bankrupt celebreties is so acute that it has sprung up an industry of its own with professionals who advise these celebreties to manage their wealth and to basically keep a check on their excesses. These financial tamers watch over the back of their clients and prevent them from buying things which can spin out of control like late comedian Rod Hull who bought an Elizabethan Mansion in 1987 for 387,000 pounds and spent another 500,000 pounds in restoring it. The house was soon repossessed as he faced massive tax arrears and was in a problem that he couldn’t quite control.

While celebreties may even add a little glitz to what is indeed a dark problem, one must keep in mind that there are lessons to be learned from them and like them we also feel the need to indulge in excesses too often. While indulgence is not bad and may even be necessary some times, be sure that you don’t end up in something that becomes disease like and more than that be careful that you don’t spend on something that requires monthly pay checks. What was probably a 20 million dollars town to Kim Basinger could well be a 100,000 dollars sports car for you!

The Top 4 Scary Movies That You Cannot Forget

What good scary movie doesn’t leave you feel really afraid to remain alone at home or move to a dark bathroom at night? If you haven’t experienced any scary sensations after watching a scary movie, you need to check out the top 4 scariest/horror movies of all time. These 4 horror films are considered the top scary movies of all time. This list is a little subjective and hence, the possibility exists you may not like them. So some pleasant advice – please go through the movie trailers of the horror movie you are considering seeing to determine if it is really worth watching.

There are some elements that make a 123 movies horror movie worth watching. There are many horror movies which seem nothing more than comic movies. The movies worth watching are the ones which are pulse pounding, riveting, and unnerving and get you to really become squeezed inside a blanket on bed or squirming in your seat. These movies create the best scary experience and make you really feel reluctant to go outside alone or stay alone. The four scary films discussed below are considered the top scary movies of all time.

A scary movie need not always be full of ghosts and apparitions. It can be anything like alien or a psycho killer or anything that creates some kind of spooky feeling inside you as you see one. Given below are four top scary movies of all time.


Though this is not an ghost-style movie but an outer space alien movie, it has every element of a scary movie. The sci-fi horror movie has some spine chilling scenes which are sure to frighten you. The ship in the film is in outer space and is infiltrated by monsters which all lend to create a truly horror feeling. It makes you feel glad that you are not the character in that ship. The horrifying scenes of alien monsters killing each member of the crew with sound effects make your spine shrill.

The Exorcist:

This is another scary movie that you need to see. This movie is in the list of all time best horror movies and is a must see. The movie has some uniqueness and because the story is based on true events, the movie makes you more frightened to find the small girl possessed by evil souls. The movie has been made in conventional storytelling style and creates a sense of fear in the audience.


In the discussion of horror movies Halloween finds a prominent position for its spooky scenes and fear filled shrieks.Rent this film and follow along with Michael Meyers as he terrorizes a small town. Another must see.

A Nightmare on Elm Street:

There are lots of horrifying turns in this movie to make you frightened and the storytelling style make it a real horror flick. Follow along with Freddie as he scare the wits out of you in your dreams. Highly recommended.

How to Select a Great Movie to Watch

Sometimes you just feel like a girls’ or a blokes’ night in, and so comes the question of how to select a great movie to watch. My friend Sam always told us that a group of three people should never go into a DVD rental store at the same time, because you’ll end up being there for hours and never really decide on which movies to hire.

When we’re selecting movies, we never go for the latest releases, because you pay a premium rate for movies that are new to the DVD shelves.

If you always select the movies that have been around for a while, then guess what? You have your own selection of “new” movies to choose from after a few months sincehat time the latest releases are down graded to recent releases at a discounted price. Not only do you save yourself some money, but you’ve also got a much better chance of having the “pick of the bunch” of the recent releases.

Here’s a list of things to help you decide how to select a great movie to watch:

1. Selection by a theme

Whether it’s a blokes night or a chicks night, you can decide a theme. Some great chick flicks include the “Bonnet Movies” the genre of Jane Austin’s “Pride and Prejudice”, “Emma” and so on.

For the blokes you may select the “X-Men” series, James Bond or such like.

2. Selection by Actor or Actress

Often we’ll sit and watch a bunch of Russell Crowe or Nicole Kidman movies, you may have some favorite actors and actresses that will help you in your choice of movies to watch.

3. Selection by Genre

There’s some great movies to motivate young sports players, such as Basketball, Baseball, or Grid Iron movies. You may be a fan of horror movies, romantic comedies, or action thrillers.

4. True Stories

They say that there’s nothing stranger than real life, and when Hollywood screen writers are looking at new ideas for movie storylines, they often turn to taking historical events and making some great movies.

Within the category of true stories 123movies you still have a wonderful selection of movies to watch about sporting heroes, national heroes, and even ordinary folk that have done some extraordinary things.

5. Selection by ratings

When selecting a great movie to watch, you need to consider the audience, as this can help with your decision making. If you are choosing movies for a bunch of young children then it’s generally a good idea to have watched those movies yourself first, so that you don’t have any surprises that could shock or scare the children.

6. Choosing a Foreign Language Movie

Whilst there’s a whole heap of great English Language movies, there’s also some fantastic foreign language movies that deserve your attention.

Do not be afraid to consider foreign films just because they have subtitles. After the first few minutes of watching a foreign movie and reading the subtitles you soon get drawn into the movie and almost “forget” that you are not listening to English.

7. Word of Mouth

We’ve never really found that personal referrals of movie titles from our friends have been of much benefit. Everybody has different tastes, and just because one person doesn’t like a particular movie doesn’t necessarily mean that you will not enjoy it.

How to Find the Best Immigration Lawyer

There are many people who do not know the importance of consulting or looking for an expert lawyer when it comes to immigration issues. Immigration attorneys are assisting people who are interested to live in one country and have problems with immigrations or has some difficulties with all the information. An immigration lawyer helps you file papers and will help you win the case.

Here are some suggestions when looking for the best immigration lawyer:

1. The first thing you should do is to check if the lawyer is a registered member of an immigration association of lawyers in Canada. The association provides the lawyers with up-to-date information on immigration laws.

2. You should make sure that the lawyer deals with the issue exclusively, meaning that he will have more experience dealing with immigration cases. This will ensure that you have an experiences person fighting for your case.

3. In addition, take into consideration the outcome of the attorney’s cases in immigration. Never base your decision simply on how long they’ve been practicing. Younger lawyers may lack experience in this kind of field but their knowledge could be better and they are abreast with the new developments in immigration laws. The key point here is how familiar the lawyer is when it comes to immigration.

4. Immigration laws are complicated and it would be hard for an unexperienced person to understand. Expert immigration lawyers will help you understand the laws in laymen terms. They will explain to you the immigration policies and laws simple immigration lawyers sydney enough for you to understand.

5. If you know a lawyer, you can ask them their opinion on who they would suggest going with. They would be able to help you and guide you to the right immigration attorney since they know the specialization of their peers. You can also ask referrals of good immigration attorney from friends who had gone through the process themselves. You can also search online for good lawyers. Search their websites and you can see how experienced they are in the field and you can see the reviews of people who had been in contact to them.

6. Don’t base your decision entirely on the price. It is important to not go to the cheapest simply because it is the least expensive as they may not live up to the expectations you would have of a lawyer. Your decision should be based on the reputation of the lawyer and their success in similar cases.

7. Always remember that your application’s approval depends solely on your documents and presentation. They must be guided and processed properly by your lawyer. It is important that the credibility and achievement rates be taken seriously.

Webcam Crashes Due to Unknown Reasons

Webcam crashes are frequently experienced by many computer users who use webcams in their systems. There are many people who have made complaints about this issue on forums to get some help. Mostly such errors occur due to the missing drivers. In some cases other third party programs such as Adobe Flash player also result in webcam crashing.

This small article will guide to get rid of the issue.

Follow the tips mentioned below to resolve the problem yourself:
Install Microsoft Updates
Update Webcam Drivers
Update Program that Leads to Crash Webcam
Repair Registry Errors
Re-Install the Program Crashing the Webcam

Install Microsoft Updates

Installing Microsoft updates is very important as the new updates allow computer programs and applications to run without any errors. Webcam crashes occur if the system is outdated. To install updates follow the steps below:
Open Control Panel from Start menu
Click on Windows Update
Click on Check for Updates in the right panel
Install the available updates
Reboot your machine

Update Webcam Drivers

Make sure that the drivers installed for webcam are supported by it and are up to date. If drivers are outdated it may lead to frequent and annoying crashing.

Latest drivers for webcam can be downloaded from manufacturer’s official website.

Re-Install the Program that Crashes Webcam

Some times it does happen that any particular program which uses webcam cause crashing issue. In this case re-installing that program may resolve the problem. For instance, if you are using websites such as Chatroulette that involve Adobe Shockwave Flash player, the webcam simply crashes due to such third party programs. In most cases reinstalling Flash player and fixing active-x errors is helpful in fixing Flash crashes.

To do so follow the steps below:
Click Start button
Click on Control Panel
Click on Program and Features
Locate the program that is causing webcam crash
Right click on it and click Uninstall
Follow the steps
Reboot your PC
Re-install the program

Repair Registry Errors

If some registry entries that help webcam to run smoothly get corrupt it may result in webcam crashing. freecam Simple way of fixing this problem is to install a Registry Cleaner program. It automatically detects and repairs corrupt registry entries in just few clicks.Registry in Windows stores information about computer softwares and hardwares. The registry shall be in a good state.

Update Program That is Crashing Webcam

Another reason of webcam crashing is that the program on which you are using it is outdated. This issue can issue can easily be fixed by installing a latest available update of the program. To do so follow the steps below:

21 Nova Casino Review

Even though a relative rookie 21Nova Casino is creating a fantastic reputation, these people have a fantastic gameplay selection, amazing 24 / 7 customer service, offer numerous different languages, have built up an excellent loyalty package (Club21) and also have some very good reward schemes. 21nova in addition offer more than thirty reputable deposit and withdrawal systems.

Their online games are usually really buzzing with energy. Each of the usual enjoyment of normal bricks and mortar casino houses are juxtaposed on to the internet gaming platform to provide highest possible igaming total satisfaction.

The one thing we like most about 21Nova Casino is you can find out more about its games just before you download its software programs. Usually while investigating for the casino help, we find that numerous of the top casinos never allow you see too much of what you are stepping into right up until after you actually commit to downloading. 21Nova Casino is clear about this.

There are a number other specials at 21nova Casino that catch the attention of new members to participate in and veteran players to spend time playing for a longer time. Right after getting the 320% new account bonus – in excess of 3x your initial deposit amount – players can embark upon and have fun with several many casino online games. This will certainly grow to be fulfilling, and likely even profitable, and thus gamblers may want to do the most apparent – share the news. Promoting the online casino to some friend repays players?50. Being a respectable, competent and welcoming casino online, 21nova Casino motivates its players to be friendly also.

To be certain that all of their avid 카지노사이트 추천 gamers can always gain access to the 21Nova Casino, the on line casino delivers 2 different methods to gamble. Like many web based casinos, 21Nova Casino incorporates a piece of software which you can download and employ to access their e-casino. However, this software package only will work on laptop or computer systems with a Windows operating system.

The good thing is, if you work with a computer with a different computer system (or one you are not able to download software programs on to), it is possible to take advantage of the Flash version of the 21Nova Casino. The Flash version of this casino lets you play straight from in your internet browser, without the need to download or install a single software program.

Several withdrawal and payment options are offered by 21Nova Casino. Winnings are generally issued within one day and deposits are credited to your gamer accounts practically instantly. Unlike other online casinos, at 21nova you may use local transaction types of withdrawal and deposits in your own area.

Forex Trading Strategies and the Trader’s Fallacy

The Trader’s Fallacy

The Trader’s Fallacy is one of the most familiar yet treacherous ways a Forex traders can go wrong. This is a huge pitfall when using any manual Forex trading system. Commonly called the “gambler’s fallacy” or “Monte Carlo fallacy” from gaming theory and also called the “maturity of chances fallacy”.

The Trader’s Fallacy is a powerful temptation that takes many different forms for the Forex trader. Any experienced gambler or Forex trader will recognize this feeling. It is that absolute conviction that because the roulette table has just had 5 red wins in a row that the next spin is more likely to come up black. The way trader’s fallacy really sucks in a trader or gambler is when the trader starts believing that because the “table is ripe” for a black, the trader then also raises his bet to take advantage of the “increased odds” of success. This is a leap into the black hole of “negative expectancy” and a step down the road to “Trader’s Ruin”.

“Expectancy” is a technical statistics term for a relatively simple concept. For Forex traders it is basically whether or not any given trade or series of trades is likely to make a profit. Positive expectancy defined in its most simple form for Forex traders, is that on the average, over time and many trades, for any give Forex trading system there is a probability that you will make more money than you will lose.

“Traders Ruin” is the statistical certainty in gambling or the Forex market that the player with the larger bankroll is more likely to end up with ALL the money! Since the Forex market has a functionally infinite bankroll the mathematical certainty is that over time the Trader will inevitably lose all his money to the market, EVEN IF THE ODDS ARE IN THE TRADERS FAVOR! Luckily there are steps the Forex trader can take to prevent this! You can read my other articles on Positive Expectancy and Trader’s Ruin to get more information on these concepts.

Back To The Trader’s Fallacy

If some random or chaotic process, like a roll of dice, the flip of a coin, or the Forex market appears to depart Fx trading course from normal random behavior over a series of normal cycles — for example if a coin flip comes up 7 heads in a row – the gambler’s fallacy is that irresistible feeling that the next flip has a higher chance of coming up tails. In a truly random process, like a coin flip, the odds are always the same. In the case of the coin flip, even after 7 heads in a row, the chances that the next flip will come up heads again are still 50%. The gambler might win the next toss or he might lose, but the odds are still only 50-50.

What often happens is the gambler will compound his error by raising his bet in the expectation that there is a better chance that the next flip will be tails. HE IS WRONG. If a gambler bets consistently like this over time, the statistical probability that he will lose all his money is near certain.The only thing that can save this turkey is an even less probable run of incredible luck.

The Forex market is not really random, but it is chaotic and there are so many variables in the market that true prediction is beyond current technology. What traders can do is stick to the probabilities of known situations. This is where technical analysis of charts and patterns in the market come into play along with studies of other factors that affect the market. Many traders spend thousands of hours and thousands of dollars studying market patterns and charts trying to predict market movements.

Online Banking Success Stories

You have seen their ads and you may have wondered if they are worth a second look. What am I talking about? Online banks! Also known as internet banks, these are financial institutions who provide the majority of their banking services over the internet. Typically, online banks offer consumers high savings rates, low loan rates, and a mix of other services. Let’s look at 7 winners in this fast growing field:

1. E Trade Bank Part of E Trade Financial, the discount internet stockbroker. E Trade Bank offers checking accounts, money markets, and certificates of deposits as well as a VISA credit card.

2. Netbank Along with offering checking and money market accounts, Netbank provides mortgage and PNB Netbanking registration home equity lines of credit to customers. With tie-ins to affiliated companies Netbank also offers Auto, Homeowners, Condo/Co-op & Renters Insurance and Life, Health, Long Term Care & Dental Insurance.

3. Virtual Bank VirtualBank, a division of Lydian Private Bank, is a federally chartered bank regulated by the Office of Thrift Supervision. The bank offers checking, savings, and credit card services to customers.

4. Ever Bank This leading internet provider of banking services offers the most extensive, and varied services of any online institution. Ever Bank offers business and personal checking accounts, mortgages, home equity loans/lines of credit, reverse mortgages, a VISA credit card, and world currency accounts. This latter category is for investing in Deposit accounts and CDs denominated in any major world currency.

5. Emigrant Direct Part of Emigrant Savings Bank which traces its roots back to 1850 as a service provider to Irish immigrants. Emigrant has $10 billion in assets and more than $1 billion in net worth. It operates as a full service bank through 36 branches in the New York metropolitan area, and through Emigrant offers only consumer services online; their high paying savings account is a chief investment vehicle.

6. ING Direct ING is a global financial institution of Dutch origin offering banking, insurance and asset management to over 60 million private, corporate and institutional clients in more than 50 countries. ING offers mortgages, loans/lines of credit, savings accounts, certificates of deposit, and money market mutual funds through another division.

7. MetLife Bank Yes, MetLife. A division of insurance powerhouse Metropolitan Life, MetLife Bank offers savings accounts, certificates of deposit, money market accounts, mortgages, and IRAs to consumers.

If you are banking exclusively with a “brick and mortar” institution you may be missing out on high paying investment options or competitive loan rates that easily undercut many traditional banking entities. These online banking success stories are only part of a growing number of savvy providers, some of whom are definitely worth a closer look by you, the consumer.

How to Get Started With Sports Betting

Sports betting is simply placing a wager on a sporting event. You are betting that your team, horse, dog, or driver will win. If they do win, so do you! If they lose, you lose your bet amount. Sports betting takes place all over the world, though in the United States this type of betting is not as highly accepted as it is in Europe.

Online sports betting is probably the best option for those who are interesting in trying it for the first time. If you have never tried online sports betting, you are missing so much fun and excitement, and it can all happen in the comfortable surroundings of your home! The art of sports betting can seem confusing at first, but once you are familiar with some of the jargon that is used to explain the concepts and logic behind each type of bet, it is all much easier to understand.

One of the best ways for you to experience this engaging way to bet on your favourite racing and sporting events is to get acquainted with online sports betting. However, in order to best take advantage of all that sports betting has to offer, you need to know a little more about it.

Sports Betting – The Odds

How does online sports betting work? You should start by studying the odds for the sporting event you are most interested in placing a wager upon. When using online sports betting, you can find these odds in the various online sports books used by Internet gamers everywhere. You must open an account with an online sports book before you can place your bet, but this is simple to do.

Once you have chosen where you are going to do your sports betting, you need to decide how you are going to place your bet. There are many different ways for you to wager your chosen amount of money, but first, let’s talk about the spread and how it can affect the amount you bet.

Sports Betting – The Spread

The spread is a point advantage in 해외배팅사이트 sports betting, which is usually given to the team that is generally expected to lose a particular sporting event. If you decide that you will bet on the team that is expected to win, they will have to win by more than the spread number and cover the spread before you are considered to have chosen correctly. If you choose the team that is expected to lose, that team will have to lose by less than the spread number in order for your pick to be considered correct. If by chance the team wins by the number of points that were chosen as the spread, the game is called a push.

No one who engages in sports betting wins a thing if a game is called as a push, but you do get the amount of your original bet back. The point spread is done in order to make the all of the bets come out even for the sports book, and is usually done for sports such as basketball or football.

Sports Betting – The Bet

If you were to bet against the spread, most likely you would place a type of bet called an 11-10, or spread bet. By betting $11, you win $10 if your team’s score covers the spread. This is another way that the online sports book makes its money.

An over-under bet is also an 11-10 bet. With this type of bet, the total score of the two teams that played will be either over or under the total score that was listed before the game was played. Betting on the score being over is called ‘betting on the ball’. Betting on the score being under is called ‘betting on the clock’.

State Pension Age Calculator

The United Kingdom Basic State Pension is actually one particular component of the UK Regulators pension program, together with Graduated Pension Benefit plus State Income Related Pension Structure now called State Second Pension. A Pension plan is actually a contribution based benefit, and also is dependent upon a person’s National Insurance contribution back ground. For any individual with the complete quantity of qualifying years, which happens to be thirty years. It’s payable at the level price of ninety seven pounds each week. A smaller amount is payable for an individual with less qualifying years.

The Standard Pension is listed every year for all those pensioners residing in the United Kingdom, as well as Age calculator for pensioners residing in specific international nations, that have a Social Security Arrangement with the United kingdom. Nevertheless pensioners residing in some other international locations, with no existing contract, have their particular retirement benefits suspended at the price when they’re initially paid. This might be viewed as discriminatory simply because each of the pensioners have paid in the exact same amount to the National Insurance (NI) Account that will pay out all retirement benefits.

State Pension Age (SPA)

The SPA is currently between sixty years and three months and sixty years and four months for a lady and it is sixty five years for men. Starting from 2010, the woman’s SPA is progressively being elevated to take it up to the mans age. This raises by 1 month for each and every two months the lady was born following April 1950. This doesn’t impact females born prior to April 1950. Females born after April 1955 would have a SPA of sixty five. Females given birth to between April 1950 and 1955 are going to have a Pension Age of 60 to 65.

The Retirement benefits Act 07 is going to have the consequence of increasing the SPA from sixty five to sixty eight spanning a twenty two year time period. The authorities have declared that it will introduce legislation in order to speed up the rise in state pension age, to ensure that women and men will both be sixty six by April 2020. You’ll be able to delay payments on claiming the pension. Putting off payments in this manner provides an improvement of one percent for each and every five weeks the pension plan isn’t requested. The lump sum payment will be the sum not requested as well as interest at two percent above the Bank of England’s standard rate.

Calculation of the State Pension Age

The Standard State Pension is dependent on the United Kingdom National Insurance (NI) history associated with the person. For every year which National Insurance has been repaid, this is known as qualifying year. To acquire a qualifying year you have to earn five thousand pounds or more if you’re a worker, or five thousand pounds plus if you’re working for yourself and also have to have credited your annual National Insurance fees according to your companies profits. For anyone given birth to following April 1945 the amount of qualifying years is thirty, which includes a solitary qualifying year necessary to have any Pension. For all those given birth to prior to April 1945 a male required forty four qualifying years to get a complete Standard Pension and a female required thirty-nine years. To obtain any kind of State Pension a person needed 25 percent of the particular qualifying years which applied to them. Apart from directly paying out NI benefits, some individuals in a few situations, for example taking care of a seriously handicapped individual in excess of twenty hours per week or claiming redundancy or illness benefits, might be able to acquire NI breaks.

When the quantity of qualifying years has been established, it’s likened to the period of time required to qualify for a complete Standard Pension, along with the resulting amount worked out as a proportion of the Standard Pension. Additionally, several employees which paid contributions prior to 1975, or following 1978 are frequently eligible for extra pension installments via Graduated Pension Reward, or even the State Second Pension plan. Which means that the complete rate of Standard State Pension might be greater.