The Advantages and Disadvantages of Filing for Chapter 7 Bankruptcy

Bankruptcy | Cibik & Cataldo

In today’s economy, it is very easy to get into financial trouble. You can have a business venture fail or a divorce that causes bills to pile up.”

— Michael A. Cibik


In today’s economy, it is very easy to get into financial trouble. You can have a business venture fail or a divorce that causes bills to pile up. There many forms of bankruptcy which are called chapters. In this blog, we will focus on Chapter 7 by looking at the advantages and disadvantages of filing for Chapter 7 bankruptcy.

Chapter 7 Bankruptcy is when you are unable to pay your debts. Your assets are liquidated, and the proceeds go to the creditors to settle the debts. This should be seen as a last resort and is primarily used for business owners. You may feel that you are alone and that it is shameful to have to declare Chapter 7. You shouldn’t feel this way. There are plenty of famous people out there who have filed such as Walt Disney, Henry Ford, and Donald Trump. There are plenty of businesses that have filed as well, such as Toys ‘R’ Us, Blockbuster, and Macy’s.

To declare Chapter 7, you must be sure that you are not eligible for Chapter 13, where you can pay back some of the money owed to creditors. The whole point of Chapter 7 is to give the debtor a new start. You must meet certain criteria to file for Chapter 7:

Your income must be equal to or below the median income in your state.
If your income is above, you will have to take a “means test,” which is a calculation used to prevent those who have high incomes from filing Chapter 7 instead of Chapter 13. It is a way to determine your monthly disposable income over six months prior to filing. If you don’t pass the means test, you’ll have to file Chapter 13, where you will be required to make payments to creditors over a five-year period.
You must attend credit counseling prior to filing. If you failed to attend, then you cannot file.

How Chapter 7 Works

According to, you must file bankruptcy in an area where you live or where your business is located. You must file with the court:

Schedule of Assets and Liabilities
Statement of Financial Affairs
Schedule of Income and Expenditures
Schedule of Executory Contracts and Unexpired Leases
You must also provide tax returns or transcripts of tax returns before and during the bankruptcy process. There is a cost to file. The amount depends on how you are filing – a business owner, a single person or as a couple. This cost is usually more for a business owner since the case is more complicated.

Once you have filed, you will be appointed a trustee. This person will also determine if Chapter 7 is applicable to your case. The trustee can revoke the Chapter 7 based on fraud or an error in the paperwork. It is important to note that not all debts will be cleared. Debts not discharged include:

Child Support
Student Loans
Certain Taxes
Debts for Death & Personal lnjury (e.g. DUI)
Post-petition HOA fees
Debts for crime restitution orders
You can reaffirm a debt, meaning you can make a payment arrangement with a creditor.

The Negatives of Chapter 7

Although the main idea in filing Chapter 7 is to help the debtor financially start over again, there are negatives to filing.

Not for business owners who want to remain in business. When you declare bankruptcy, the business will be closed.
It won’t allow you to make past due payments like Chapter 13.
Your property could be subject to liens and mortgages that could go to the creditors.
You must reaffirm a debt before filing bankruptcy for it be not included in the bankruptcy.
Remains on your credit report for 10 years.
Loss of all credit cards.
Can’t file Chapter 7 bankruptcy for another six years.
It won’t get rid of student loans.
The court can convert the Chapter 7 to a Chapter 13.

Positives to Filing Chapter 7

It may sound odd, but there are some positives to filing.

Bankruptcy process takes 3 – 6 months.
Most states have exemptions that allow you to keep some things. In Pennsylvania, the exemptions include:
Equity in Your home (if you own it)
Personal Property (i.e. clothing)
Insurance or Annuity Payments
Public Benefits
Business Partnership Property
You will be able to keep your wages and property purchased after filing for bankruptcy.
You can get credit cards 1 – 3 years of filing. There are credit cards that strictly for people who have filed bankruptcy.
You can always file for Chapter 13 after filing for a Chapter 7.
Gives you some financial relief.
Bankruptcy prevents lenders from aggressive collection actions.
The number and amount of debts that a bankruptcy can relieve you of are numerous.
There is no specified amount in order to file for relief.

Cibik & Cataldo Can Help with Chapter 7 Bankruptcy

You don’t have to face creditors alone. At Cibik & Cataldo, we have over 35 years of experience in bankruptcy law serving Southeastern Pennsylvania. We are ABC certified and know the bankruptcy laws that affect consumers and businesses. We also know all the exemptions that can help protect more of your assets and help you pass the “means test.”

We offer a free consultation to help you understand the financial position you are in and if Chapter 7 is right for you. If you do need to file for Chapter 7, we will help you with each step of the process so you will know what to expect. We will make sure all of the paperwork is accounted for and filed properly. Our primary goal to make sure your case goes smoothly. We’ll also provide guidance on life after a bankruptcy.

Contact Us Today
At Cibik & Cataldo, we are the Philadelphia bankruptcy lawyers – it’s all we do. We are here to help you navigate through the Chapter 7 process. There is life after bankruptcy. Schedule your free consultation by calling us at 215-735-1060 or emailing us. We can set up a meeting that works with your work schedule. We also offer 24/7 support!

About Cibik & Cataldo:

For the last 35 years, Philadelphia, Pennsylvania debt-relief law firm Cibik & Cataldo, P.C., has provided cost-efficient, superior, and value-oriented legal services to thousands of clients in Philadelphia County and the surrounding areas of Delaware County, Montgomery County, Chester County and Bucks County.

Cibik & Cataldo, P.C., is fully-staffed and concentrates solely on consumer and business bankruptcy matters. The firm does not represent banks, finance companies or insurance companies: only individuals, small business owners, and their claims.

+++++ Disclaimer+++++ This press release is considered advertising and does not constitute any client-attorney privilege and does not offer any advice or opinion on any legal matter. This release was drafted by Results Driven Marketing, LLC, a digital marketing, public relations, advertising and content marketing firm located in Philadelphia, PA

Related Materials:
What Happened Each Time Donald Trump Declared Bankruptcy

Business Bankruptcy: When, How, and What Kind?

How To Miss Out On Discharging Credit Card Debt?

Michael A. Cibik, Partner
Cibik & Cataldo .P.C.
(215) 883-8585
email us here
Visit us on social media:

Source: EIN Presswire

GREATEST COLLECTION OF ONE-OFF WHISKIES SET TO RAISE HUNDREDS OF THOUSANDS FOR CHARITY BATTLING PLASTIC POLLUTION, is to host a public sale of the most impressive selection of one-off bottles of whisky and rum for charities battling plastic pollution

These bottles are not merely rare, some of them are entirely unique; the distilleries and bottlers who have kindly created and donated fully support the work that Plastic Oceans undertakes.”

— Isabel Graham-Yooll, auction director for Whisky.Auction

LONDON, LONDON, UNITED KINGDOM, November 14, 2018 / — The auction is expected to raise upwards of £200,000 for Plastic Oceans, a charity dedicated to raising awareness of the impact that single-use plastic waste is having on our world’s oceans.

The exceptional collection of bottles were on show at The Whisky Show in London last weekend, where the show’s creator, The Whisky Exchange, is actively eliminating single-use plastic from the show. The selection of bottles were curated in partnership with The Whisky Exchange to mark the 10th edition of The Whisky Show and celebrate the show’s move towards plastic-free.

The auction itself will take place in November, with 9 out of 15 lots already confirmed as one-off bottles never to be repeated. Sensational whiskies from distilleries across Scotland sit alongside a magnum of the legendary Caroni rum from Trinidad and a 50 year old whisky from Japan’s highly sought-after Karuizawa distillery – one of the oldest ever releases from this iconic producer.

Highlights include (full list in appendix):

The Balvenie 1973 Vintage Cask. Bottle number 1 of 1. A limited edition single malt Scotch whisky, bottled from a single cask from a single vintage.

Ardbeg 37 Year Old. Bottle number 1 of 1.
A stunning whisky, and one of the only one-off bottlings Ardbeg have ever produced in their history.
Brora 35 Year Old. Bottle number 1 of 1. A cult closed distillery that has rarely released a single cask bottling, let alone 1 of 1.

Karuizawa 50 Year Old. Bottle number 1 of 2. From closed Japanese distillery Karuizawa and has the potential to set a new auction record for Japanese whisky.
O.F.C 1990. One of only 63 bottles and the first to ever arrive in the UK.

With so many of these entirely unique bottles never to be repeated, it is expected that the auction could fetch upwards of £200,000. Higher estimates predict the auction could reach over £300,000, with the possibility of the Karuizawa alone could raising as much as £200,000 and potentially setting a record for the most expensive Japanese whisky ever sold. The auction itself will open on 18th November and will end on 27th November 2018.

All profits from the auction will be donated to non-profit organisation Plastic Oceans who will utilise the proceeds to expand its awareness initiatives, with a goal of reaching another billion people by 2020. It will develop films and other content that will target school children, policy awareness, and consumer behaviour – all with the goal of educating, inspiring, and fostering change.

Isabel Graham-Yooll, auction director for Whisky.Auction, comments: “Every now and then an auction line-up comes along that has spirits collectors and connoisseurs on the edge of their seats with excitement. This is one of those auctions. These bottles are not merely rare, some of them are entirely unique; they have never been seen before and may never be seen again. The distilleries and bottlers who have kindly created and donated these lots fully support the work that Plastic Oceans undertakes and were committed to helping us raise as much money as possible for this cause. It is difficult to put into words just how remarkable these bottles are, and we’re really hoping that is reflected in their final hammer prices.”

Julie Andersen, Global Executive Director for Plastic Oceans, said: “We are honoured to be the beneficiary of the auction and very excited to see the programmes being implemented by the organisers to reduce their single-use plastic footprint at their events. It's yet another example of an industry recognising the problem and being part of the solution.”
Interested parties can register their interest at or view the bottles at the Whisky Show in London,


For further information, images or interviews and a full list of bottlings; please contact Liz Lock, PR and Communications Manager, on 07554 007707 or

About is an auction website that offers the finest whiskies from all around the world. Based in London, and set up by some of the leading experts in the industry, the company offers sector-leading advice as and when it's needed, and aims to provide the best online auction platform for whiskies, fine spirits, miniatures and memorabilia in the world.

About Plastic Oceans International
Plastic Oceans International wants to change the world’s attitude towards plastic within a generation. The Foundation serves the ocean and the public by engaging people of all ages, in all social situations, to understand the danger of continuing to perceive plastic as being disposable and to prevent plastic from entering the environment. We use inspirational and solutions-focused film and media, paired with supportive activism to foster a global movement to rethink plastic.

Abbigale Wallis
Speciality Drinks Ltd
email us here
Visit us on social media:

Source: EIN Presswire

Love Life Club to Help 100 Awesome Working Moms Fund Fun Every Year

Visit to Join the Club

Visit to Join the Club

How Do We Celebrate Moms By Inspiring and Preparing Kids for Tomorrow's Jobs Launches in Spring 2019

How Do We Celebrate Moms By Inspiring and Preparing Kids for Tomorrow’s Jobs Launches in Spring 2019

Recruiting for Good is helping 100 L.A. working moms who join Love Life Club fund and save money on family vacations, mom weekend getaways, and summer camp.

Why We Help Fund Fun? I created the cause, club and personal service to honor my working mom”

— Carlos Cymerman, Fun Advocate+Founder, Recruiting for Good

SANTA MONICA, CA, UNITED STATES, November 14, 2018 / — Recruiting for Good is helping 100 awesome and grateful L.A. working moms who qualify and join Moms Love Life Club save money on fun every year; by rewarding referrals with savings for family vacations, mom weekend getaways, summer camp, and even yoga too. The purposeful mission is to help moms fund family fun and love life.

According to Recruiting for Good, Founder Carlos Cymerman, “Why We Help Fund Fun? I created this fun cause, club, and personal service to honor my working mom….Imagine what the world would be like…if everyone loved life…..join the club to start today.”

How Working Moms Join Love Life Club?

First attend a Fun Mom Brunch in Santa Monica, occurring the first Sunday of every month.

We meet moms to explain how recruiting referrals work; and how funding happens.

After joining the club, we meet in person to find out what fun moms love to fund (We deliver a personal and confidential funding service, individually catering to each moms' needs).

Carlos Cymerman adds, "Want to save $5,000 or more every year on fun…join the club to love life."


Recruiting for Good is a socially progressive staffing company in Santa Monica, finding talented professionals awesome jobs, since 1998. Companies retain us to find the best talent in Accounting, Finance, Engineering, Information Technology, Marketing, and Sales professionals. We reward referrals with World's Best Parties, Travel, and Experiences. We launched L.A.'s funnest cause, mom club, and personal service "Helping Fund Summer Camp,

Fund Summer Camp, is funded by Recruiting for Good, our fun purpose is to help prepare kids for tomorrow's jobs by investing in enriching life experiences that inspire creativity, help kids find their passion and grow from within. Our purposeful funding service is confidential and personal. We meet moms to explain how recruiting referrals work; and how funding happens. To learn more visit

How Do We Celebrate Moms? By preparing their kids for tomorrow's jobs…launching in Spring of 2019 Kids Love Work, a fun interactive mentoring service inspiring and teaching kids to love work and life to learn more visit

Our Moms Love Work is a community service created and funded by Recruiting for Good, since October 2017; we offer a cost free compassionate and personal career mentoring service (want questions answered about work, want to improve your resume, want strategy on how to get a raise). Our Moms Love Life, want to save $5,000 or more on Fun every year? Join the club at, a personal and purposeful club for 100 Awesome, and Grateful L.A. Working Moms.

Carlos Cymerman
Recruiting for Good
+1 310-720-8324
email us here

Source: EIN Presswire

CMS Focus on Full Crisis Continuum

Centers for Medicaid and Medicare Services (CMS) sent a letter to State Medicaid Directors promoting a full continuum of crisis service.

PHOENIX, ARIZONA, UNITED STATES, November 14, 2018 / — This week, the Centers for Medicaid and Medicare Services (CMS) sent a letter to State Medicaid Directors promoting a full continuum of crisis services to meet the needs of individuals with Serious Mental Illness (SMI) and children with Serious Emotional Disturbance (SED). On the same day, DHHS Secretary Alex Azar addressed the National Association of Medicaid Directors and announced an opportunity for short term residential treatment in IMDs using Medicaid funds within a demonstration project.

Secretary Azar stated, “Today, CMS will be sending a letter to state Medicaid directors laying out how to apply for waivers for flexibility … to treat serious mental illness. … [W]e will strongly emphasize that inpatient treatment is just one part of what needs to be a complete continuum of care, and participating states will be expected to take action to improve community-based mental health care. There are effective methods for treating the seriously mentally ill in the outpatient setting, which have a strong track record of success and which this administration supports. … Both tools are necessary and both are too hard to access today.”

Dr. Brian Hepburn with the National Association of State Mental Health Program Directors (NASMHPD) applauded these strong efforts which align with the key priorities of the Beyond Beds Technical Assistance Coalition Assessment Working Papers. NAMI’s Mary Giliberti called it a landmark day and a time to encourage states to improve outpatient services, including crisis stabilization services. She also thanked the administration for listening to the recommendations in the Interdepartmental Serious Mental Illness Coordinating Committee (ISMICC) report to Congress, “The Way Forward.”

Crisis Now co-chair David Covington stated, “With the recent passage of the National Suicide Prevention Hotline Improvement Act, and the strong call to action from CMS and DHHS leadership this week, the nation now has a clear vision to ensure an effective response for all in psychiatric emergency equal to medical care.” He also thanked the founding partners: NASMHPD, the National Action Alliance for Suicide Prevention, the National Suicide Prevention Lifeline, and the National Council for Behavioral Health. The Crisis Now: Transforming Services is Within

Our Reach task force recommendations were prominently featured in the CMS communication:

Improved Access to Services Across the Continuum of Care Including Crisis Stabilization Services
Adults with SMI and children with SED need access to a continuum of care since these conditions are often episodic and the severity of symptoms can vary over time. However, the only treatment options in many regions are inpatient care for acute treatment needs and outpatient care for less serious conditions and on-going maintenance therapy, with little availability of intermediate levels of care. As a result, individuals with serious mental health conditions often go into inpatient facilities or EDs when they could be better served in community-based settings. Furthermore, without supports needed to help transition from acute care back into their communities, adults with SMI are at heightened risk for relapse and readmission…

Strategies for ensuring … appropriate levels of care to meet their needs include encouraging use of evidence-based assessment tools, e.g. the LOCUS and CASII (or CALOCUS), that link clinical assessments with standardized "levels of care" using methods for matching the two. It is also important that the care provided to individuals with SMI or SED is trauma-informed. Another strategy is to increase availability of intensive outpatient and crisis stabilization programs designed to divert Medicaid beneficiaries from unnecessary stays in EDs and inpatient facilities as well as criminal justice involvement. Core elements of crisis stabilization programs include regional or statewide crisis call centers coordinating access to care in real time, centrally deployed mobile crisis units available 24 hours a day and seven days a week, and short-term, sub-acute residential crisis stabilization programs.

About RI International (d/b/a for Recovery Innovations, Inc.)
RI is a global organization that offers more than 50 programs throughout the United States and abroad, characterized by recovery and a focus on what’s strong, not what’s wrong. More than 50% of our employees report a lived experience with mental health, and our retreat model crisis stabilization programs are featured in Crisis Now. The Company also provides training and consulting internationally.

Karen Jones
RI International
+1 252-772-2238
email us here
Visit us on social media:

Source: EIN Presswire

VP for National Drug Screening Elected to the SAPAA National Board of Directors

Tom Fulmer, CPCT, CHBC

The SAPAA Board of Directors serve as stewards of the organization's mission statement and are responsible for articulating a suitable vision for the future.

With continued growth of the industry and the changes happening within other trade associations, there are many opportunities for SAPAA to grow as an organization and serve our members.”

— Tom Fulmer

MELBOURNE, FL, UNITED STATES, November 14, 2018 / — During our recent Annual Conference, Board elections were held and the new Board and Officers were announced. Tom Fulmer, Vice President of Business Development and Training for National Drug Screening, Inc., was elected to the national board. The SAPAA Board of Directors serve as stewards of the organization's mission statement and are responsible for articulating a suitable vision for the future. "I am very honored to have been elected to the SAPAA Board. As a board we look forward to the coming year and serving our members in the industry." stated Tom Fulmer.

In addition to his role at NDS,Tom Fulmer currently serves on the South Brevard Society for Human Resource Management Board of Directors in the role of VP of Marketing and previous leadership experience includes the Melbourne Regional Chamber of Commerce Board of Directors and executive committee member; Tom also chaired the Small Business Development Council, served on the Marketing Committee, the Membership Committee, and the Better Business Council. He has served on other boards that include the Florida Mortgage Brokers Association, Yellow Umbrella, and Melbourne Police Foundation to name a few.

Tom added, "SAPAA is fortunate to have a great board that is dedicated to serving the membership and making a difference in our communities. Special thanks to Anne Kelly, the executive director, who has been instrumental in moving the organization forward."

SAPAA is a non-profit trade association whose members represent alcohol and drug testing service agents, including third party administrators (TPAs), in-house administrators, medical review officers (MROs), DHHS Certified Laboratories, Substance Abuse Professionals (SAPs), manufacturers of testing devices, and collection sites/collectors. SAPAA is committed to providing members with up-to-date information concerning regulatory changes, state issues, industry trends, and member discounts on training courses and conferences.

About National Drug Screening, Inc.
We offer drug testing and results reporting by state of the art software. NDS also provides MRO services, drug testing software for TPAs, immediate drug test scheduling with eCCF, drug & alcohol training and policy development for employers. Our web based reporting by certified MROs reduces liability and provides for a fair and accurate drug test result. Our Drug Testing Software includes e-chain paperless drug tests (eCCF), web based reporting and electronic data management. All types of testing available including DNA Paternity, alcohol, urine, hair, oral fluid and more.Drug Free Workplace programs and DOT compliance programs are available for FMCSA, FAA, USCG, PHMSA, FTA and FRA. Including 24/7 coverage for post-accident.

Tom Fulmer
National Drug Screening, Inc
+1 321-622-2040
email us here

Meet Tom Fulmer

Source: EIN Presswire

What is the Sandwich Generation and how can Respite Care Help?

Comfort Keepers Respite Care

Are you part of the sandwich generation?

With the rise in an aging population, especially in the Springfield, PA, area, so many parents are doubly hit with the task of taking care of their kids and their parents.”

— Ian Bongaardt


It's that time of year: back to school! As a parent, this time can be very hectic. And the emotional barrage you fill if you are sending your child off to college can be bittersweet.

You feel so much pride as your child embarks on this momentous journey, but you also feel pangs of pain as you let go of your little one as the child moves on to the campus community.

You also get overwhelmed with tasks, having to plan, purchase and pack things up. Helping your son or daughter go to college and prepare for such a move is a massive milestone filled with pressure.

But what about your own parents? With the rise in an aging population, especially in the King of Prussia, PA, area, so many more parents are doubly hit with the task of taking care of their kids' back to school prep and ensuring their aging loved one, be it their mother or father, is also taken care of. Making sure an aging family member eats right and takes their medications and is safe and secure is the role of a family caregiver.

Today there are many Americans stuck between taking care of their own children and their parents. This phenomenon is dubbed the Sandwich Generation. Perhaps you’re a member of this fast-growing segment of people and didn’t know it.

When they’re not raising kids or working, they spend dozens of hours each week picking up prescriptions, running errands, calling doctors, driving to appointments, researching care options, making sure medications are taken, doing laundry, preparing meals – and worrying.

Add to that stress the burden of financial obligations such as tuition, mortgage payments, home health services and saving for their retirement, and – as you might imagine – sandwich caregivers are often overwhelmed, overworked and just plain exhausted.

Sound familiar? Fortunately, you have options for maximizing your time with your child – while also caring for your senior loved one.

Those options include:


Hold weekly family meetings and make a checklist. Include caregiving and college-related tasks. Divvy up the must-dos and hang the list for all to see. Keep others accountable to avoid heaping all caregiving responsibilities on one person’s shoulders – namely yours.

Ask for help.

You can’t do it all. Know your limits. Setting boundaries with your parent, spouse, siblings and older children are important. Consider seeking outside assistance when possible – the resources available to family caregivers are endless. From financial planners to accountants, a sandwich generation caregiver can get assistance with managing the budget and meeting set goals. Many communities offer caregiver support groups, like this one here that specializes in Dementia Care Tips. Just being able to talk with someone about shared stress is so helpful to family caregivers. Sharing feelings with others helps mitigate stress, rejuvenate your focus and keep you connected.

Short-term respite care from a qualified and dependable home health care agency like Comfort Keepers is a great way to hit pause and catch your breath for a few days of relief while Mom or Dad receive the quality care and attention they need.

Also, respite care is an amazing homecare solution if you have to travel for longer periods of time. Learn more about the respite care services Comfort Keepers King of Prussia provides today by contacting a Home Care Coordinator. We have a qualified caregiver or home care professional standing by to assist you with all questions regarding payment plans, Medicare, Medicaid, medical insurance, special needs, and more.

Create a budget.

Supporting a child through college while simultaneously providing long-term elder care to an aging family member can easily break a family’s budget, setting you up for the poor house. You need to be fiscally aggressive and set a manageable budget. To do so, determine monthly expenses and how to cover them within your means. But remember to adjust your budget early and often to prepare for any surprises or changes. Kids in school and parents at home can change their needs or lifestyle in an instant and you need to have a budget flexible enough to cope. Encourage your children to also create a budget.

Also, it’s become extremely common for children today to move back in with their parents after they graduate. Budget for this together with your child. Set reasonable financial boundaries such as charging rent if need be. Preparations like this can help manage a multi-generational household budget allowing you to provide the best quality of life for your entire family.

Take care of yourself.

So many family caregivers overlook this simple advice. But it’s hard to care for others when you are not caring for yourself. Avoid caregiver burnout by maintaining the basic life tasks, such as eating right, exercising regularly and getting plenty of rest. Listen to your body and your spirit as those aspects of your self will give you signs that things are getting to be too much. When you need a break, ask family members for a hand. Carve out time to recharge by enlisting the help of home health services agencies with Respite Care. By taking care of your own needs you will be fit and energized, fully capable of giving your senior loved one and your children the full love and care in your heart.

Remember that it is OK to laugh.

Frustration, feelings of guilt, and plain anger are common among family caregivers. Being able to recognize these emotions and forgive yourself for feeling them is important. You need to be able to feel and to let those feelings go. Then you can get back on track with being positive. So doing things to help lighten your mood, and thus your burden is integral to your own respite. Humor is one of life's best forms of stress relief.

Being in the Sandwich Generation is tough, but you can navigate the stress and be a successful care provider by following these tips. Balancing the care of your family with your own care is possible, and you can get by with a little help from your friends at Comfort Keepers through respite services!

The Value of Respite Care for Family Caregivers and Seniors

Respite care, provided by a professional caregiver, offers primary family caregivers temporary relief from caregiving responsibilities, giving that person a chance to rest and recharge.

Taking care of an elderly parent can be fulfilling. It offers the opportunity to give back and demonstrate gratitude for all the sacrifices made in your growing years. The experience can strengthen the bond between adult child and parent and boost the quality of life.

Nevertheless, caregiving can be physically and emotionally demanding, particularly day after day with no breaks or help from others. And this can harm the health and well-being of the caregiver, and the cared for.

Respite care can be scheduled for just a few hours to give you an opportunity to get out of the house to take care of other responsibilities like shopping or to go out for lunch or golf with a friend. Or you can schedule respite care from the qualified long-term care providers at Comfort Keepers for longer periods, to go on vacation, for instance.

As a family caregiver, you may feel a twinge of guilt wanting to get away. However, scheduled, periodic respite care benefits not just you. It can be a relief and a welcome change of pace for your loved one as well. Getting to spend time with someone else–not that there's anything wrong with you–can be a treat.

Without breaks, caregiving can bring on stress, resentment, and depression. And you will likely pass on those feelings to the person you are caring for–no matter how much you try not to.

Alternative settings for respite care may include a nursing home or adult day care center. Or you and your loved one may prefer the comfort of the familiar, arranging for other family members, friends or a professional caregiver to fill in for you in your loved one's home.

For the benefit of your loved one, do not make respite care a surprise. Talk with your loved one in advance and involve him or her in the planning.

A few of the many benefits of respite care include:

Helps caregivers relax and renew their energy

Gives families needed time to pursue favorite activities and avoid isolation

Prevents stresses that could lead to negative consequences such as ill health and divorce

Offers the person being cared for opportunities for socialization with others

Paying for Respite Care

Most of us would love to have more time and more money, especially when we’re taking care of parents. The next best thing is a break from caregiving that doesn’t break your budget. Respite care costs are the most common question people have when researching the service. Several types of paid respite care can help you out and a there are a few options for paying for in-home respite care. Even if you don’t feel like you need help now, it’s a good idea to know your options in case you need help on short notice later.

In-home care is the easiest type of respite care to tailor to your household schedule. By working with a licensed agency, you can arrange care to get a break when you need it. For example, a respite caregiver in the home for a couple of hours every morning can help get your parent get dressed and eat breakfast while you get ready for work or help your kids get ready for school. Overnight respite care can be a lifesaver when your parent needs round the clock personal care, and you need to sleep. Having a caregiver, you can call on will also take some of the stress out of being sick or needing to travel. Providing backup to you as a primary caregiver for your elderly person and getting them the personal care for their medical needs in their daily lives is the kind of skilled care that is covered by all Comfort Keepers care plans.

The national median daily rate for a full-time in-home health aide was $127 in 2016. The hourly rate ranges from $10 to $30. If your parent needs help with activities of daily living, Medicaid, the VA’s Aid & Attendance program, and private long-term care insurance all pay for in-home care service providers. If you’re using Medicaid or Aid & Attendance, make sure to see if they certify the program. And if you’re helping your parent start an Aid & Attendance application with the VA, know that the approval process can take anywhere from a few weeks to a year.

About Comfort Keepers Springfield:
Comfort Keepers provides award-winning in-home care for seniors and other adults in need of assistance with daily activities. Their highly trained and dedicated caregivers can help your loved one stay in their home for as long as safely possible—a dream come true for both the seniors and their families. Their goal is to enrich the lives of every treasured client while maintaining client safety, well-being, and comfort as each person continues to live independently despite disease and other age-related conditions.

Their caregivers, referred to as Comfort Keepers®, are carefully selected, screened, and trained to provide professional, compassionate assistance that meets the organization’s high standards. Through a unique approach called Interactive Caregiving™, Comfort Keepers' caregivers build true friendships with their clients in order to fulfill their emotional and social needs.

To find out more about Comfort Keepers' commitment to excellence, please call (610) 543-6300.

This release was drafted by Results Driven Marketing, LLC: a full-service digital marketing, public relations, advertising and content marketing firm located in Philadelphia, PA.

Related Materials:

Aging Veterans or Widows of Veterans May Qualify For In Home Care Benefits

A good Low-Impact Workout for Seniors

What is Dementia Care?

Ian Bongaardt
Comfort Keepers Springfield
(610) 543-6300
email us here
Visit us on social media:

Source: EIN Presswire

Flitways Technology, Ongoing and Future Plans.

Flitways Technology, Ongoing and Future Plans

Flitways Technology Inc. (FTWS) (OTCMKTS:FTWS)

We remain committed to restoring FLIT operations and bringing the Company back to a fully operational status.”

— Interim Management

WEST PALM BEACH,, FL, USA, November 14, 2018 / — Shareholder Address FlitWays Technology Inc. (OTC Pink: FTWS)

FlitWays Technology Inc. (OTC Pink: FTWS), Interim management is providing this update to its followers, and shareholders regarding many FAQ type questions and FTWS future plans moving forward.

The Company filed an 8K on or about October 15, 2018 That filing explains the current issues the Company is experiencing due to certain sabotage of operations with its ex CEO Tobi Mac Aro.

Shortly, FTWS will file a Q3 and an amended 8k. The amended 8k as per the SEC request and this news release cautions the company followers not to rely upon any of the 2018 financials furnished by the previous Management. Since the software, accounting, and business interruptions or deliberate sabotage stage of Mr Tobi Mac Aro the unique visitors to FLIT has fallen drastically. Currently, we have a team of outside (3rd party) IT professionals from both Germany and India attempting to restore the software and the back office to enable us to resume full operations. In addition to the 2 aforementioned required filings the Company will file an equity stakeholder or a Regulation D filing for the capital infusion received from Emry Capital for the rebuilding or restoration of operations.

Interim management, Daniel Sobolewski said "We remain committed to restoring FLIT operations and bringing the Company back to a fully operational status. We are working to figure out the bankruptcy process, and how this would affect our shareholders. Moving forward, regardless if the IT team can restore the software or not, according to our advisor's Chapter 11 is the less harmful way for the Company to proceed in an ongoing restructuring. Down the road, out of this restructuring and cleaning up the Company will be ready to continue the same operations, to acquire new opportunities and to expand into new markets. At this point we are not ruling out a change of industry or a new direction for the Company post Chapter 11 or otherwise.

Lastly many shareholders are inquiring about Mr. Mac's involvement with FLIT. His involvement moving forward is nil. Regarding rumors of the Karhoo and RCI Banks,(Renault Nissan Alliance), there is none with FLIT that we the interim management are aware of. The interim management strives to remain transparent with its shareholders and the Securities Exchange Commission in order to restore much eroded values and restore the Company operations to some meaningful level."

More updates will follow in a timely fashion.

About the company:

The Company is currently in a restructuring mode due to certain operational events. The reader should read the SEC filings to learn more. FlitWays was a fully integrated with major travel management systems, car dispatch, and global distribution systems worldwide. As a part of the Enterprise Booking Suite, FlitWays was to implement new features, functionalities, and processes to alleviate the burden on corporations scheduling ground transportation.


224 Datura Street


West Palm Beach, FL 33414

(855) 710-0915

Daniel Sobolewski
Flitways Technology
+1 561-440-9443
email us here

Source: EIN Presswire

Anthony Macri to be Featured on CUTV News Radio

TORONTO, ONTARIO, CANADA, November 14, 2018 / — Divorce is one of the most traumatizing experiences a family can go through. If the couple cannot work out their differences, sometimes the most appropriate solution is to dissolve the marriage. If you find yourself in this painful situation, it is absolutely essential that you find an attorney who can help you protect you and your family’s well-being. A person such as Anthony Macri, who has been a superior Family law attorney for over 21 years.

“I offer a holistic approach to solving family problems and that’s one of the big differences when you retain me,” says Anthony. “With my functional practical advice I hold the well-being of my clients and their children in the highest regard. It’s not getting as many clients as possible. It’s about providing the best service to clients and their children possible. I take my responsibility to be forthright and genuine with my clients very seriously.”

Anthony’s approach to the practice of law is as unassuming as it is selfless. He unequivocally affirms that when you enter into family litigation it’s very much a partnership and a matter of trust. Separation and divorce is difficult at the best of times and when children are involved extra care has to be brought to the situation. If a parent does not have their child’s best interests at heart, they will not do well and are not the type of client you want. Anthony will absolutely not take cases where the parent is not making their child a priority in the matter.

“I pursued a career in law to help people,” says Anthony. “Society is incredibly complex and a tremendous amount of individuals are not certain what their rights are and that can immobilize them in their approach. When people are not well informed they can make bad decisions for themselves and for their children. People need a lawyer to guide them toward a happier life and positive future.”

Anthony’s family law practice emphasizes the whole notion that children are our future and the way they are treated and educated are a critical factor in how they engage in the world as compassionate human beings.

All of us at various times of our life needed some help. That’s why Anthony is always happy to mentor young lawyers as they start their career. Also, in our community, there are always people in need and it’s important to give back to your community. That’s why Anthony volunteers as a cook for a local feed the homeless program.

“When it comes to dealing with the impact of and changes following a divorce, it’s essential that parents have their priorities straight and implement them accordingly,” says Anthony. “People’s first priority should always be the well-being of their children. Parents must be mindful of the fact that their children will be affected by the changes their parents are making in their life for the rest of the child’s life. Your spouse may stop being your spouse, they will not stop being the child’s other parent. You two will be connected through your children for the rest of your life.”

Just as your children will tell you that “they never asked to be born”, it’s also true that they never asked for the divorce. Therefore you should shield them from the consequences of the breakdown of the family as much as possible. When there are child support or spousal support obligations, the cheapest course of action is simply to pay them, rather than fight to avoid paying them. In the end, the money is used for your children and they will ultimately benefit.”

Anthony believes that “no one wins a custody dispute.” The anger and animosity between the parents will always negatively affect the child and in the end you will have a damaged child, and on top of that you will have impoverished parents who have spent all their money on lawyers and other professionals who they have enlisted in their war against the other person their child loves.

It is so important for parents to remain amicable with each other and with no animosity and to create a nurturing loving environment so their child’s future will be rosy and bright for their children and grandchildren long after the divorce is settled.

“The secret to an exceptional family lawyer is to be the person trying to reduce conflict by placing your child’s best interest above your own,” says Anthony. “Divorce cases are very much individualized in terms of what couples feel for each other but every one of them should create the best life for their child. The person that places their child first above all else will surely win the litigation.”

CUTV News Radio will feature Anthony Macri in an interview with Doug Llewelyn Friday, November 16th at 1:00 p.m. EST and Friday, November 30th at 1 p.m. EST with Jim Masters.

Listen to the show on BlogTalkRadio.

If you have any questions for our guest please call (347) 996-3389

For more information on Anthony Macri please visit

Lou Ceparano
(631) 850-3314
email us here
Visit us on social media:

Source: EIN Presswire

What Uber and Lyft Drivers Need to Keep in Their Vehicles

Friendly TLC Rentals & Leasing - What Uber and Lyft Drivers Need to Keep in Their Vehicles

Friendly TLC Rentals & Leasing – What Uber and Lyft Drivers Need to Keep in Their Vehicles

Friendly TLC Rentals & Leasing Logo

Friendly TLC Rentals & Leasing Logo

Friendly TLC - TLC car leasing

Friendly TLC – TLC car leasing

Important items that Uber and Lyft drivers need to keep handy in their personal vehicles or TLC car leasing or rentals

Important items that Uber and Lyft drivers need to keep handy in their personal vehicles or TLC car leasing or rentals”

— Friendly,

BROOKLYN, NEW YORK, UNITED STATES, November 14, 2018 / — There is no feeling for an Uber or Lyft driver like being miles from home and realizing that you have left behind an important item. Over the course of your career when driving a personal vehicle or TLC leasing or rental, you’ll discover that having certain items with you will become most valuable when on the road.

What follows is a short list of items that you’ll find necessary when driving for Uber or Lyft. Naturally, you should include the items that are recommended by Uber and Lyft, including a first-aid kit. Be sure that you keep the following items handy and check for them before you leave for your first rideshare.

Car Clean-Up Kit

This is a simple, inexpensive kit that contains what you need to keep your car’s interior in good shape. The items in your kit should include the following:

– Paper Towels or Napkins
– Sanitary Wipes: To clean up the interior quickly
– Air Freshener
– Barf Bag: This may help avoid a messy clean-up situation
– Cloth Towel and Cleaner for Bigger Messes

Passenger Comforts

Keep a small bag or cooler that contains water, mints, or gum that helps passengers overcome any car sickness. The last thing you want is having to clean up your vehicle over something that might’ve been prevented.

Hands-Free Mount

Keeping your smartphone on a hands-free mount, especially with a GPS, increases safety considerably as your eyes will stay on the road. Every driver should keep a hands-free mount to help avoid distractions.

Mileage Log

Because your mileage may mean write offs, you’ll want to keep track of your miles diligently. You can do this with an app on your phone or just keep a pen and paper handy. By subtracting your mileage from your gross income, you can save on your taxes.

Pen and Paper

Keeping track of your miles on pen and paper has the added benefit of keeping a daily log of passengers you pick up and drop off. By keeping track of when and where you offer a rideshare, along with any stops you make, you can create an accurate picture of each working day.


For longer trips, offer your passengers the opportunity to play their own music during the ride. You can provide headphones or devices that let them choose what they want to hear.

Phone Charging Block

If you want to score extra points, have a charging block handy so your passengers can recharge their phones. Just make sure that the charging block can handle both Android and iPhones.

In the end, your TLC car for rent should have these items available. The last thing you want is to find yourself looking for one or more of these items when needed. This makes driving your personal vehicle or TLC car leasing so much easier.

Friendly TLC Rentals & Leasing
+1 7189651380
email us here

Source: EIN Presswire

Kapture CRM Launches Real-Time Agent Dashboard for More Efficient Team Monitoring

Kapture CRM’S brand-new real-time team overview dashboard monitor your entire team in real-time. This includes status and performance updates about each agent.

BANGALORE, KARNATAKA, INDIA, November 14, 2018 / — Kapture CRM a fast-growing helpdesk CRM software has unvield their real-time agent monitoring dashboard. This dashboard enables the managers and team leaders to track their entire team through a single dashboard. Instead of manually keeping a check on the entire team, the unified dashboard gives you accurate information about the real-time activity of each employee.

Even during the busiest work days, the intutive dashboard enables you to take-in all necessary performance metrics in a single glance. The real-time dashboard intimates about the present status of the different real-time metrics connected with providing a seamless customer experience. By simply keeping an eye on these real-time metrics, the team managers or TL’s can ensure that their respective teams are on-top of their customer service game.

Acquire real-time metrics to make real-time decisions

A customer service team need to provide amicable resolution to the different inbound customer queries. For this, the service agent should be available and bring their A-game to every customer interaction.

In order to ensure a better customer experience, the service manager or team leader should review the real-time team performances. By recoganizing an issue at the earliest, the monitoring personality can apply the requisite remedial measures.

Kapture’s real-time dashboard updates real-time metrics about the team performance. Within the real-time dashboard, you can review the agent availability status, any registered reason for unavailability, time spent on the present ticket and number of tickets resolved.

By tracking these different metrics, the service team leader can non-intrusively and optimally monitor the performances of the entire team. It also enables the team leader to take the right action plan to resolve customer problems.

About Kapture CRM

Kapture CRM is an end-to-end CRM Platform that helps businesses to manage their sales, customer service, and operations. By combining all these processes within a single platform, businesses can create a proactive way of internal and client engagement. Kapture CRM platform is also versatile enough to integrate with multiple 3rd party api’s. Kapture CRM is a part of multiple world’s leading brands across multiple industries.

Pearl Tiwari
Adjetter Media Network Pvt Ltd
+91 7899-887-755
email us here
Visit us on social media:

Source: EIN Presswire