In one sentence, describe what the following article is about: Bankruptcy should only be used as a last resort. Before filing, try other options available to you to pay off your debts.  Contact your creditors and try to negotiate for a loan settlement or a repayment plan with lower payments. Alternately, you can try a short sale of your assets to cover your debt, assuming you are not underwater on your loan. Try consulting with a debt management agency before deciding to file for bankruptcy. Certain kinds of debt cannot be discharged, or erased, even if you declare bankruptcy. Categorize all of your debt and calculate how much falls into categories that cannot be discharged.  If the majority of your debt cannot be erased, then bankruptcy may not the right option for you. Note that each state has specific provisions for those assets which are exempt from bankruptcy. Be sure to check state law. The following kinds of debt cannot be discharged in a bankruptcy:  Alimony Child Support Debts that arise after bankruptcy is filed Some debts incurred in the six months prior to filing bankruptcy Loans obtained fraudulently Debts from personal injury while driving intoxicated Debts from willful and malicious injuries to person or property Some student loans Some taxes Secured loans, as lenders can foreclose on their capital While bankruptcy proceedings will seek to seize and sell off your valuable assets to repay creditors, there are some assets that are protected under state law. The exempted assets will depend on the type of bankruptcy you are filing for and your state's laws. Assets may be completely protected or protected up to a certain value. For example, there might be at automobile exemption of $5,000, meaning that you could keep a $4,000 car but not a $20,000 one.   Common protected assets are cars, wedding rings, and your home. Some states may offer "wild card" exemptions that allow you to keep any other valuable assets up to a certain amount. Chapter 13 bankruptcy allows you to keep all of your assets, but you can reduce your liability to creditors by selling of assets of significant value. A cosigner agrees to pay your debt in the event that you cannot pay.  For example, a parent may have cosigned an auto loan for you when you graduated from college because you had little or no credit.  However, if you declare bankruptcy, a cosigner on your loan is still be legally obligated to repay your debt.  For example, your parent will still have to repay all or part of that car loan, even if you declare bankruptcy. Bankruptcy in the United States is handled in federal court under the rules of the U.S. Bankruptcy Code.  The U.S. Bankruptcy code identifies several different kinds of bankruptcy.  These are usually referred to by their chapter in the U.S. Bankruptcy code.  Individuals and businesses may file for Chapter 7.  Property may be liquidated to pay off creditors.  Secured debt may be eliminated, or you have the option of allowing the property to be repossessed or paying the creditor a lump sum equal to the current value of the property.  Your income must be below a certain level to qualify for Chapter 7.  Chapter 13 is also known as “wage earner” bankruptcy.  Under Chapter 13, if you have a reliable source of income, you can propose a repayment plan to your creditors that pays them back over the next three to five years.  Your debts must be below $1,149,525 in secured debt and $383,175 in unsecured debt. Note that the amount received by the creditors is established by your income after bankruptcy, not the amount of debt owed. Municipalities, such as cities, towns, villages, taxing districts, municipal utilities, and school districts can reorganize under Chapter 9.  Businesses can reorganize under Chapter 11 or liquidate under Chapter 7.  Chapter 12 is similar to Chapter 13.  It is reserved for businesses for which 80% or more of debt is from the operation of a family farm or fishery. Learn about the kinds of debt that can be erased and what debts will not be forgiven.  Recognize the impact on cosigners to your loans.  Decide if you can live with the negative impact bankruptcy has on your credit.  Evaluate whether or not you even qualify for bankruptcy.  The impact bankruptcy has on your credit is largely determined by how good your credit is to begin with. If your credit score is high, it will probably take a huge hit and drop significantly. If your credit is already pretty bad, bankruptcy might not lower your score by very much.  The more accounts associated with the filing, the bigger the impact on your credit score.  If you file for Chapter 7 or 11, it will remain on your credit report for up to 10 years. If you file for Chapter 13, it may stay on your report for up to seven years. A Chapter 11 bankruptcy will stay on the business's credit report, not the individual owner's, unless they file a personal bankruptcy.
Summary: Consider other options. Analyze your debt. Know which assets are exempt from seizure in bankruptcy proceedings. Understand that bankruptcy does not erase debt for cosigners. Learn about the different kinds of bankruptcy. Understand the Consequences of Bankruptcy.

In one sentence, describe what the following article is about: If you can, try to make yourself "small" at the top of your jump -- this is the "tuck" part. A tight tuck will give you the rest of the momentum you need to complete the rotation. Keep your arms out straight and next to your knees. Once you fully rotate in the air, find your fixed point straight ahead and focus on it. As you extend your knees, also start extending your lower back to fully "untuck." Try to land with your knees bent so that they can absorb some of the shock of the landing. Never land with straight knees! You can seriously hurt yourself this way. As your feet get close to the ground, make sure to land with your heels and then flatten your feet on the ground to steady yourself. Avoid landing on your toes. If you continually land on your toes, that means you need to jump higher or tuck faster so you have time to strike your heels to the ground. Quickly get your balance by straightening your bent knees and thrusting your arms back up into the air. Your final stance should look almost identical to the way that you started, with your arms straight up in the air. Avoid buckling your knees when you land. Don't practice back tucks alone if you haven't mastered the move yet. Continue using a spotter until you feel good about your back tuck. Have the spotter step to the side (but still within reach if anything happens) and try it all by yourself!
Summary: Tuck yourself into a little ball as you start rotating backwards. Extend your knees toward the ground for your landing. Land with both feet at the same time. Snap up into the starting position right after you land. Keep practicing with a spotter until you've mastered the back tuck.

In one sentence, describe what the following article is about: While your fish is in the container and the rocks and decorations are soaking in hydrogen peroxide, clean out the bowl. Use a wet/dry shop vac to suck up any remaining dirt, waste, and moisture that didn’t fall out naturally when you emptied the bowl. Cover the nozzle with three layers of panty hose and secure it with a rubber band if you ever need to clean the bowl quickly and you don’t have time to remove the rocks, decorations, and water first. Dip a clean cloth or paper towel in vinegar and scrub the fish bowl clean. Then, dip another clean cloth or paper towel in water and wipe all surfaces of the bowl again. Place the bowl under the sink faucet and rinse the inside and outside well. With a cloth that’s clean and dry, wipe the bowl dry to remove spots and ensure your fish’s safety. After the bowl is clean, place the rocks and decorations back in and carefully pour the container of treated water back into the bowl. Stop about halfway through and use a net to transport the fish and live plants. Fill the fish bowl with bottled water until it reaches about 2 inches (5.08 cm) from the top.
Summary:
Suck up dirt and waste with a shop vac. Wipe the bowl with vinegar and a cloth. Rinse and dry the bowl thoroughly. Put everything back into the bowl and top it off with bottled water.