DVD Movie Club – A Fun Way to See Films

It’s no secret that everybody loves a good movie. Drama, comedy, action, horror or musicals, there is definitely something that will tickle your afdah senses! Movies can be great way to relax in the company of family and friends or spend some quality time together with your partner. But with the global recession playing killjoy, you might no longer be able to splurge on movie tickets every week. Movie tickets are also not getting any cheaper. So does this mean that you have to give up your passion for movies? Definitely not, and to know why, just read on.

The alternative to watching movies at a theater is to watch them at home. And this is the reason why, an online DVD movie club is the buzz in town right now. You do not have to spend money in buying DVD titles which are expensive and lie unused once you have watched the movie. After all, how many times do you catch the movies in your DVD collection at home? The truth is that you would rather watch a fresh flick than one you have already enjoyed in the past.

A DVD movie club gives you the access to new movies, without having to spend a fortune. In case you are thinking that a DVD movie club is just like your corner video-store you could not be any wider off the mark! This is because a movie club is not a brick and mortar store. It is an online shop that you can visit 24×7 without having to leave your home. For a small membership fee, you can:

• Go online
• Browse through the latest movie titles
• Pick the ones you want and place your order
• Get your selected titles delivered at your doorstep.
• Enjoy the movies!

Most movie clubs allow you to retain the title as long as you want (no due dates!) with the only catch being that you must return the previous title before getting a new DVD. There is also the option of an instant download, if you are a real net savvy person and do not mind watching the movie on your PC or laptop instead of the big screen TV. If you have a high-speed internet connection, you can also watch your chosen movie via video streaming. Most movie clubs offer a free trial before you become a member. It is a good idea to get a sample of things before you actually open your wallet. Once you are convinced, become a member and enjoy!

Top 3 Theatres To Watch Independent Movies In Denver

Denver boasts its share of entertainment places and the movie going experience is not left out in the least. Along with the standard yesmovies  mainstream movie houses like AMC, there are also a lot of Denver movie theaters that focus almost entirely of independent films. While many of these theaters belong to some indy film houses, such as Landmark Theaters, several of them are entirely on their own. This article discusses 3 of some of the best theaters houses to experience independent films in the Denver metro area.

1. Mayan Theatre

Built in 1930, the Mayan Theatre on Broadway is well known for its stock of independent films. If there is a popular independent film making the circuit through Denver, you can be sure it will be showing at the Mayan, which is part of Landmark Theatres. The Mayan has 3 active movie screens, located downstairs and upstairs, that can show films simultaneously, as well as a concession stand on each floor to enhance the viewing experience.

The Mayan is one of the most popular theatres in Denver for showing independent films and has been named ‘Best Movie Theater’ and ‘Top Movie Theater Concession Stand’ in publications like Westward and the now defunct Rocky Mountain News.

2. Olde Town Theater

The Olde Town, located in Arvada, just west of Denver, but is part of the Denver Metro area. It is one of the largest Independent theaters in Denver. This old AMC theatre complex has 14 screens and was just taken over by Landmark Theatres in 2010.Because it is located in the Arvada downtown area, parking may be somewhat of a challenge, but the theater seating is comfortable, and it is a great location to do the dinner and a movie date combination. Even though the location is part of the Landmark family, some mainstream movies are shown on some of large number of movie screens along with the larger variety of independent films.

3. Denver Film Center

Located on Colfax next to the Tattered Cover Book Store, this unique theatre boast 3 screens showing a unique selection of independent films. This theatre is not part of the Landmark theaters but is its own unique theatre. The atmosphere is warm and 2 of the theatres actually have couch seating where people can be really comfortable and even bring in their meal from the cafe located inside of the theatre complex on trays specifically made for eating while watching the movie. This newer theatre has plenty of parking in the parking garage, and is also located next to an upscale restaurant for the full dinner and and a movie experience.

Denver is a large enough metropolitan area that most of the major independent movies come through at one point or another. There are several indy movie houses, located throughout the city that make it easy for movie-goers to see these independent films. The independent venues are varied and provide a unique experience for the movie viewer. It is easy to find out where the theaters are what movies are playing and the times the movies are playing via the few web sites that contain movie time i

Summer of Sequels: Five Current Movies And The Originals That Inspired Them

Considering the vast diversity and array of options at our fingertips, we humans, as a whole, tend to like doing the same thing many times over. If you were looking for proof of this, you need not look to far from the crop of   123movies current movies being served up at your local movie theater. This really does seem to be a summer of sequels, familiar characters & storylines, and all in all, more of the same old Hollywood summer blockbuster shtick.

OK, that’s really not that fair, but at the same time, it kind of is. But can you really blame movie studios from sending sequel after sequel our way? If you look at the box-office figures, audiences eat it up. Why does this happen? Well, when a second or even third part of a movie franchise is released, you can see it in one of two ways: 1) the first movie was so commercially successful that it would be insane to not try & capitalize; or 2) the characters from the first film were so well-developed that trying to tie up a loose end just because the credits start rolling seems almost criminal.

So, in the grand scheme of things, sequels aren’t necessarily that bad. For a time, however, they really were hard to stomach. If you paid close enough attention, you could see how movie studios opted to make the title of a sequel play off of the original title as opposed to the addition of a numeral.

Things have changed, though, and audiences are being given year after year of tremendous movies. These movies are also driven by well-crafted storylines & complex characters that just can’t be contained (figuratively speaking) on the screen, so the sequel becomes a pretty hot commodity. In fact, looking at the movies listed below, some may argue that the follow-up film stands alone in terms of anticipation.

Here’s a look at five current movies & the originals that inspired them:

Jurassic World & Jurassic World: Fallen Kingdom – Technically, you could go all the way back to the original Jurassic Park from the early 1990s, but looking at the Jurassic World movies as their own franchise, it’s easy to see how a sequel (and what looks to be a third installation at some point) would work. Dinosaurs, evil plots, and the ever-constant battle of mankind vs nature make these movies worth checking out.

The Incredibles & Incredibles 2 – When nearly a decade and a half goes by, and audiences are still blown away at seeing how things have changed for the titular characters, you know you’ve got a killer movie series. Make these movies a priority.

Ant-Man & Ant-Man and the Wasp – Given that the sequel is woven between the story arcs of two Avengers movies (Civil War & Infinity War), you can tell the makers of this unique superhero franchise were ready to tell some serious stories about this minuscule powerhouse.

Deadpool & Deadpool 2 – Love, revenge, and breaking the fourth wall in a movie all make for one of the more interesting superheroes to have emerged in what feels like a glut of comic-driven films. Still, as much as we’re treated to intense violence & bad language by the anti-hero, these movies actually have a touching love story that connects them together. By the way, get familiar with the term “fridging” – your post-movie conversations will certain ask for your take.

Hotel Transylvania & Hotel Transylvania 3 – What do you get when you combine an ensemble voice cast, some of history & literature’s greatest monsters, and combine them with a fairly familiar trope of opposites attracting, and you’ve got the basics for Hotel Transylvania. The events of the third movie in the franchise take place nearly a decade after the first, with family becoming the overwhelming theme.

Yeah, the idea of having many current movies be sequels may not be the most exciting thing in the world at first, you have to ask yourself one important question – did I have fun the first time around? If so, this may turn out to be one of the more movie-centric summers in recent memory.

Upcoming Zombie Movies

The latest Zombie Movies of 2013-14

Zombies have of late gained a large amount of interest in pop culture. The reasons might be myriad – a morbid fascination with apocalypse situations, a metaphor for the way that most people allow themselves to be herded like sheep, a growing fear stemming from recent virulent diseases that have wreaked havoc on populations. Whatever the reasons may be, Zombies now have their own genre despite seeming mindless, no pun intended.

Though first featured in White Zombie (1932), it wasn’t until the movies123 free of Night of the Living Dead (1968) that Zombies in movies really garnered attention from the majority of the viewing public. A slew of Resident Evil movies later, Zombie movies were regarded as a completely action and horror oriented subject. With the release of Shaun of the Dead (2004) though, Zombie movies have been explored for their comic value, thus bursting the dam on what can be done with thousands of mindless, smelly creatures all intent on eating those still alive. The success of AMC’s The Walking Dead, a zombie apocalypse survival television series, has promptly brought on the year of the zombie, with more than a dozen films and ventures that attempt to cash in on the success that these undead freaks of nature have achieved. Here we take a look at some of the Zombie movies set to be released soon:

World War Z – One of the biggest zombie movies to be released yet, WWZ stars Brad Pitt in the leading role as Gerry Lane, a United Nations worker whose task is to coordinate resistance and help stop the global Zombie epidemic that threatens to tear down human civilization. Based on the eponymous book by Max Brooks, the director, Marc Forester portrays the Zombie cadres like a colony of ants whose strength is in numbers. With a budget in excess of $200 million, Paramount Pictures is set to release the film in June of this year. This is likely to set a record as the highest grosser of Zombie movies 2013-14.

Warm Bodies – Based on a book by Isaac Marion, Warm Bodies is a Zombie romantic comedy that explores Zombie love. Jonathan Levine, who wrote the screenplay and also directed the movie, ventures into the untested by providing a Zombie’s perspective. Nicholas Hoult stars as Zombie who shows signs of human emotions towards Teresa Palmer’s character and the movie explores the possibility of humans and zombies living in a harmonious environment. Released early February of this year, this Zombie movie has already grossed over $100 million, making this a must watch for any Zombie movies lover.

The 4th Reich – Combining the two greatest villainous entities in Hollywood, this Sean Bean starrer terrifies movie goers with Nazi Zombies. Directed and written by Shaun Robert Smith, this World War 2 era movie portrays an elite team of a British Infantry Division as they go about killing Nazis and eliminating the threat of Zombies created by Nazi scientists during their experiments to create a superior human race. Set to be released late this year, The 4th Reich is another in a long list of WW2 movies, but with a slightly undead twist.

Invasion of the Not Quite Dead – A dark comedy thriller about the inhabitants of a small island off the coast of England that is turned into Zombie death trap by a deadly virus, this is one of the more entertaining Zombie movies, written and directed by Anthony Lane is not one to miss. Starring relatively well known Andrew Ellis and Ajay Nayyar, the movie promises a unique look at how a small group of survivors face the rigors and challenges of escaping Zombies.

Wyrmwood: This is an Australian movie set to be released in late 2013, with post-production work going on. The movie is styled after the Will Smith starrer I AM LEGEND, and falls in the action category of Zombie Movies 2013-14. Written and directed by Kiah Roache-Turner, the movie stars Jay Gallagher, Bianca Bradey and Leon Burchill. The story revolves around Jay Gallagher, whose character loses his family on the eve of a zombie attack. He teams up with a friend and together they drive through the Australian Bush to the safer interiors, battling the undead on the way from the comfort of a fortified van. This movie seems to have a better storyline when compared to many of the other Zombie movies 2013-14 has to offer.

R.I.P.D – Also known as Rest In Peace Department, is a Zombie action comedy that has a star studded cast. Ryan Reynolds plays a recently murdered cop and joins the likes of Kevin Bacon, Jeff Bridges and Mary-Louise Parker who along with others and forms a team of undead police officers. With a release date in mid July 2013, this Zombie film portrays the undead as the good guys who use their undeadness to fight crime. Directed by Robert Schwentke who has blockbusters like Red (2010) and The Time Traveler’s Wife (2009) under his belt, this is one of the better Zombie movies 2013-14 and is sure to exceed all expectations.

The Harvard Zombie Massacre – Another Zombie movie that is presently in pre production, it is set in a Harvard University campus overrun with Zombies. The twist that sets this movie apart from the rest of the Zombie movies is that these particular Zombies aren’t as mindless as one might suspect. Produced by Warren Zide of American Pie and Final Destination fame, the film chronicles how America’s most brilliant minds can survive an onslaught from the most brilliant Zombies. This horror comedy written by Dan Hernandez and Benji Samit will be released late 2013 or early 2014.

Movies set for release in 2014:

Pride and Prejudice and Zombies – An adaptation of the classic Jane Austen story of a woman’s quest for independence and love, the screenplay has been reworked to include her fight to eradicate a growing Zombie threat. Elizabeth Bennet and Mr. Darcy are provided with zombie flavored distractions from their pristine 19th century English manors and questions of morality and marriage are superseded by the need to survive. Though the film is still in its planning stage, its unique twist ensures that it will generate a great deal of interest, and not just with zombie movies lovers.

The Curse of the Buxom Strumpet – A dark comedy set in the early 1700’s and starring Sir Ian McKellen and Dame Judi Dench, this Zombie movie focuses on the accomplishments of a lord of fictional Upper Trollop, a small town in Oxfordshire, England. Based on E’gad Zombies!, a short film by the same director, Matthew Butler who worked with Ian McKellen, this movie promises a showing like none other, partly due to the tremendous acting talent and also due to the unique settings. Set to be released early 2014, this is one of the Zombie movies that will set itself apart from the rest.

Sports Betting: What A Mistake!

Hello dear readers, in this article you are going to find information related to online soccer betting.

Sports betting is an old practice and it’s very popular nowadays. Online betting is the future of sports betting, as more and more players join the virtual domain.

Online sports betting covers almost every existing sport, but in this guide I am going to talk only about soccer betting.

If you want to enter the world of online sports betting you’ll need to get an online account at one or more betting sites.

To create an online account you need to follow these rules:

Firstly, you should get a credit or debit card accepted by your betting site of choice. There are many betting sites that offer different deposit and withdrawal possibilities.

Once you have acquired the card, you’ll have to 안전공원 open and account at one of these online betting sites. There are plenty betting sites around the internet.

After you get an online account, get acquainted with the site’s interface by starting to place small bets so you can gather as much experience as you can.

I recommend not to go on betting your money on more than one sporting event. This is probably the biggest mistake all beginners do. Because they all want to win big money in a fast manner, they eagerly place their money on three or more events.

If you are a beginner, I strongly recommend to place only single bets and almost never do combined ones. The more events you have on your betting slip the lower chances of winning you get.

Live sports betting has become very popular among bettors because they bring the easiest winnings.

Let me show you some of the mistakes most beginners do:

They bet on soccer teams not knowing anything about those teams. It’s recommended you check the statistics, the form of a team, matches they have played, and what key players they have available.

You should never bet on more than 3 events. You get lower chances of winning.

If you’re a huge fan of a team, you shouldn’t place bets on your favourite team. Don’t get involved!

Never bet more than you can afford losing!

Try not to increase the stakes after a winning bet because you believe “you’re on a roll”, most likely you’ll lose.

DO NOT bet dominated by your emotions! When losing a bet most of the players, want to regain some of their money, so they place even more bets. Biggest mistake!

They are most likely to lose again, so they shouldn’t bet when angry, accept the lost bet, and start again later (trust me, I did it many times).

 

Top 30 Quotes On Click Funnel

One of the most overlooked components of e-mail Marketing and by extension Affiliate Marketing in the building of an infinite income online is the Sales Funnel and its design.

Having a well designed Sales Funnel will almost always guarantee that your sales conversions are at their optimum. I am sad to say that many Marketers start out without even a basic Sales Funnel and in the process of conducting their online business miss out completely on the many, many benefits to be had, were it there.

There are marketers who channel their traffic straight to an affiliate offer, and totally miss out on the opportunity to build a list and therefore an infinite income online.

Then, there are Marketers who fail to monetize their Thank You pages by not sticking a One Time Offer on the end of it. It may look like nothing but these seemingly small blunders can make you leave a lot of money on the table.

Sales Funnel designs can be simple and straight forward or they can be extremely complex affairs. The main objective here is that once a prospect is in the funnel  it becomes exceedingly hard for them to exit the funnel without a purchase or without leaving their contact details.

In the most basic Funnel design you have a broad or wide front end, which is fronted by the Squeeze Page also known as the Lead Capture Page, this is where the prospect is brought into the funnel.

After the prospect signs up, they are then directed to a Thank You page, where they are formally thanked for opting in and officially welcomed on board. At this point they can either be asked to confirm if you are using a double opt-in, or they can be presented with a low cost One Time Offer, as the link to the Download Page is sent via e-Mail. On the Download Page the prospect is offered a different One Time Offer which is an up-sell of the previous one.

Basic Sales Funnel

… ONE-TIME-OFFER.

SQUEEZE-PAGE—–>THANK YOU-PAGE.

… DOWNLOAD PAGE.

From then on the design of the Funnel will vary from one to the other, but the general idea is the same that is to keep the prospect buying until he stops buying. You stop selling when the prospect stops buying.

So in the Funnel the prospect will be presented with Up-sells, Cross-sells all the while being nudged to the Back-end of the Funnel clickfunnels discount 55 off where the business and the profits are the most lucrative. This is where the expensive one on one coaching and all the other high end products are.

If there is a tool that if used properly in a Funnel will ensure that you get the most out a prospect, it is the Exit Pop Up. This tool can be extremely annoying to many prospects, but it is extremely effective. It can increase conversions in the Funnel by up to 30%. So if you are a Newbie in the Internet Marketing Niche and you do not have a properly designed Sales Funnel, then it is time that you started using one. In the very near future I will post a well performing Sales Funnel Design which you can copy and use.

History of Video Games – The First Video Game Ever Made?

As an avid retro-gamer, for quite a long time I’ve been particularly interested in the history of video games. To be more specific, a subject that I am very passionate about is “Which was the first video game ever made?”… So, I started an exhaustive investigation on this subject (and making this article the first one in a series of articles that will cover in detail all video gaming history).

The question was: Which was the first video game ever made?

The answer: Well, as a lot of things in life, there is no easy answer to that question. It depends on your own definition of the term “video game”. For example: When you talk about “the first video game”, do you mean the first video game that was commercially-made, or the first console game, or maybe the first digitally programmed game? Because of this, I made a list of 4-5 video games that in one way or another were the beginners of the video gaming industry. You will notice that the first video games were not created with the idea of getting any profit from them (back in those decades there was no Nintendo, Sony, Microsoft, Sega, Atari, or any other video game company around). In fact, the sole idea of a “video game” or an electronic device which was only made for “playing games and having fun” was above the imagination of over 99% of the population back in those days. But thanks to this small group of geniuses who walked the first steps into the video gaming revolution, we are able to enjoy many hours of fun and entertainment today (keeping aside the creation of millions of jobs during the past 4 or 5 decades). Without further ado, here I present the “first video game nominees”:

1940s: Cathode Ray Tube Amusement Device

This is considered (with official documentation) as the first electronic game device ever made. It was created by Thomas T. Goldsmith Jr. and Estle Ray Mann. The game was assembled in the 1940s and submitted for an US Patent in January 1947. The patent was granted December 1948, which also makes it the first electronic game device to ever receive a patent (US Patent 2,455,992). As described in the patent, it was an LEGO Light Kit analog circuit device with an array of knobs used to move a dot that appeared in the cathode ray tube display. This game was inspired by how missiles appeared in WWII radars, and the object of the game was simply controlling a “missile” in order to hit a target. In the 1940s it was extremely difficult (for not saying impossible) to show graphics in a Cathode Ray Tube display. Because of this, only the actual “missile” appeared on the display. The target and any other graphics were showed on screen overlays manually placed on the display screen. It’s been said by many that Atari’s famous video game “Missile Command” was created after this gaming device.

1951: NIMROD

NIMROD was the name of a digital computer device from the 50s decade. The creators of this computer were the engineers of an UK-based company under the name Ferranti, with the idea of displaying the device at the 1951 Festival of Britain (and later it was also showed in Berlin).

NIM is a two-player numerical game of strategy, which is believed to come originally from the ancient China. The rules of NIM are easy: There are a certain number of groups (or “heaps”), and each group contains a certain number of objects (a common starting array of NIM is 3 heaps containing 3, 4, and 5 objects respectively). Each player take turns removing objects from the heaps, but all removed objects must be from a single heap and at least one object is removed. The player to take the last object from the last heap loses, however there is a variation of the game where the player to take the last object of the last heap wins.

Second-Hand Clothing Can Decrease Pollution

We all understand the importance of clothes for it is one of our basic needs as human beings. We need clothes to keep us warm as it is one of the basic needs in life.

Could second-hand clothing be the next big thing?

It is sometimes expensive to purchase clothing, therefore second-hand clothing and wearing ‘hand-me-downs’ is an option for many. People are starting to realise the importance of nhap hang si tuyen budgeting for shopping. Second-hand clothing should not be underestimated because it is a trend for some.

What is the industry doing to the environment?

The textile industry uses natural and man-made fibres. The outfits made from man-made fibres are low-budget and easy to maintain. Although these fibres are cheap, man-made fibres are challenging to recycle. The textile industry has grown over the years because of the demand in clothing. Therefore increasing the amount of landfill pollution produced.

There are tons of textiles that are thrown away every month. These textiles are not being discarded correctly. The waste therefore land up in the landfills and pollute the environment.

What can we do to help?

The increasing awareness of environmental problems is causing people to rethink their purchasing habits. People must become aware of the textile industry and what it is doing to the environment before it is too late.

Most of this “waste” could be reusable. There are many ways to transform your old clothes to look brand new. Fashion designers are looking at waste as a real opportunity and not as a by-product of mass consumption. These designers give “old” clothing a “new” life by adding worth to the items.

You could help by recycling your clothing as it could reduce landfill mass. It could also slow down virgin textile production and could reduce the amount of resources needed to produce new clothing.

Who is wearing second-hand clothing?

Second-hand clothing is cheaper than purchasing new clothes and you can even shop online. Shopping for second-hand clothing should not be looked down upon. We see celebrities from all over the world such as Julia Roberts, Reese Witherspoon, Nicole Kidman and Colin Firth wearing vintage and recycled garments at the Oscars and looking gorgeous.

You can differentiate yourself from the crowd by purchasing second-hand clothing and have rare and unique clothes that create a great individual look. So maybe it’s time to start rethinking our purchasing habits so that we can reduce human footprint.

Improve Your Golf Game In Minutes?

There has been a lot of talk recently about whether the average golf player can improve their golf game in minutes. Well the answer is yes they can. Moreover the method to do so is perhaps different and much easier than you think. You do not have to shell out hundreds on the latest Driver, Putter and Irons etc nor do you have to get professional coaching which normally takes a lot of time and money. Because lets face it, the world is a fast moving place and people today want to improve their golf game as soon as possible without spending a lot of money. If this sounds like you, read on as the following information will make playing golf a lot more enjoyable for you.

The true key to improving your Choices Hack golf game can be found through golf psychology. Golf psychology is the mental aspect to golf which most players overlook in their quest to improve. This is why most players do not play their best. To perform at your peak level and hit those drives long and straight, put those irons close and sink those putts you need to be “in the zone”. Most players experience moments where they go in the zone maybe for only a shot, or a hole or perhaps a few holes where everything goes right and you remember why you began to play to play the game of golf in the first place. Being in the zone allows the golfer to play to his/her best at every hole, and thus greatly improving their satisfaction and enjoyment of the round.

Learning golf psychology techniques will have your playing partners gasping and looking in awe at your play. However a lot of people seem to not want to learn golf psychology, as many people believe that although in will help their game; it will take a lot of time and concentration for it to work. This is definitely not the case, in fact a few simple techniques before a round/ or during a round can greatly help.

After all there is a clear correlation between having a strong golf mind and enjoying your golf and winning. Just ask greats like Jack Nicklaus and Tiger Woods. How many times have you seen Tiger sink a big putt when he needs to? Or drive a long ball deep into the middle of the fairway?

How to get out of debt

We have debts because we simply spent too much! It is a widely held prejudice. However, the cause of this kind of difficulty is rarely excessive consumption. “Personal crises are often the cause. For example, the loss of a job, health problems, or a divorce,” corrects Sebastien Mercier of the umbrella association Dettes Conseils Suisse. Hiding the problem only makes it worse; the debts swell. This becomes critical when current expenditure is durably higher than income.

“Unfortunately, many people come to see us too late. Often only when their wages are seized,” says André Widmer, from the Triangel advisory service in Zug. So, if you are concerned about money, it is better not to hesitate and contact a serious debt counseling body as soon as possible. The first session is often free, as in St. Gallen and in the two Appenzells, or at least at an affordable price. According to our research, even the highest price is only 100 francs.

But beware! Besides serious authorities, there are also some who trade debt consolidation. They do not develop plausible budgets and do not negotiate with creditors: they only collect fees without much consideration.

More debt than previously thought

A serious advisory body begins by listing all debts and analyzing the financial situation. It also asks the creditors to suspend the collection measures and other proceedings temporarily. “Our clients are generally terrified by this list of debts. Often the amount is twice as high as they thought, “says Carmen Kern of Caritas Thurgau. “In the event of an already over-indebtedness, the most complicated is to find what we owe to whom and to obtain the acts of default of property and the extracts from the prosecution register,” specifies Barbara Bracher, of the Lucerne Bureau for debt problems.

Reduce expenses

Specialists are looking at ways to cut expenses. Especially in terms of credit and leasing contracts or customer cards. Often, the legal prescriptions are not respected, and it is then easy to get out. We also screen for superfluous insurance; we check whether there are arguments to be put forward, for example, for a reduction in health insurance premiums.

To check whether a person simply has enough money to pay off their debts, the help desk draws up a sanitation budget. It is based on the subsistence minimum, the individually calculated amount that can be kept even when the salary is entered. This includes a basic amount, rent, and health insurance. The helpdesk also calculates taxes, medical care costs, and a reserve. The other column shows income: in many cantons, the 13th month is included; in some, you can keep it for yourself.

If there is indeed something left (the consolidation rate), one must ask whether the debtor is able to put enough money aside in the space of three years to make the creditors and offer for installment payment. Interminable phases of consolidation are not desirable: a debtor can hardly resist a period of more than three years. Often, he has lived in precarious conditions for a long time, and he is exhausted. It is important that the living and income situation remains stable during the consolidation phase. If it is not possible to settle all of the debts, the creditors must agree to renounce a party. There, it is necessary that the consulting office shows the talents of a negotiator.

Decisive tax office

Since 80% of debtors have tax debts, the Tax Office often has the last word in terms of the sanitation offer. “In general, it tips the scales,” says Jurg Gschwend of Plusminus in Basel. The tax offices are variously cooperative. There is good agreement in the cantons of Basel-City, Graubünden, Glarus, Zug, and Ticino, according to local help desks. Elsewhere, it would be rougher, as in Friborg and Lucerne.

If the helpdesk cannot convince all the creditors of a repayment plan, and extrajudicial debt restructuring is impossible.

The other possibilities:

1. Remission of debts

If the indebted person still has some resources but needs a grace period, a sensible alternative consists of an amicable settlement of debts. Then the court stayed the proceedings for up to six months and appointed a curator who attempted to negotiate an out-of-court settlement with which all the creditors agreed. Costs are reduced, generally between 800 and 1500 francs.

2. Judicial arrangement

If the creditors do not cooperate, a judicial arrangement may be the solution, since, in this case, only the majority of the creditors must agree. As the procedure is complicated and requires a lot of effort from the curator, the costs are high: easily several thousand francs.

3. Private

bankruptcy A private bankruptcy can give respite when one wishes to recover financially, but one does not find, at the time, agreement with the creditors. The debtor can then only be prosecuted for his debts when he returns to a better fortune. Legal costs: up to 5,000 francs.

The most crucial bills are paid first: rent, health insurance, food, taxes. “If the current expenses can be covered with the receipts, it is possible to break the debt spiral,” underlines Barbara Bracer of the Bureau for debt problems in Lucerne.

If someone is at risk of falling into poverty, these authorities lend a hand to contact foundations and find help. “A cardinal part of our work consists of supporting our clients in their lives with debts. We are building perspectives together. The debts may be paid later,” says Max Clemens of the Zurich cantonal council office.

Reform planned

When you are over-indebted, you are often punished for life. Those affected are more likely to fall into poverty and are disadvantaged in many areas: housing, health, work, social contacts. For the State, there are increased expenses. And creditors usually leave empty-handed.

 

This is why it would be better to give debtors a second chance to recover economically. Or, under certain conditions, erase debts without reimbursement. This cancellation of the remaining debts is possible in most European countries and in the United States, but not in Switzerland. The Federal Council intends to ensure this, as it announced in March 2018. On behalf of the parliament, it is developing a model on this subject. But until a reform takes effect, only those who are able to meet the demands of creditors at least in part can escape the seizure of their income up to the subsistence level.

Further more info about debt relief or payday loan relief you can visit online.