DuPont Wealth April 2018

GARDENING: BRINGING FAMILY TOGETHER

WHY YOU SHOULD CONSIDER INVESTING IN A FAMILY GARDEN

After spending a winter cooped up inside with your family, there might be a little tension between everyone. Fortunately, it’s spring, and the warm weather, melting snow, and blooming flowers offer a good way to ease restlessness. This season, why not bring your family closer together by starting a family garden? A LEARNING EXPERIENCE Nearly every step in the gardening process can be a learning experience for kids and parents alike. Begin by discussing where you should start and why, what supplies you’ll need, and the types of plants you want to grow. Gardening also offers opportunities to learn about science, ecology, and nutrition. COLLABORATION Gardening gives your family a chance to collaborate. When you’re stuck inside for long periods, you may be spending time together, but it’s usually not quality time. Working in a group to create and maintain One of the most important services we provide atThe Law Offices of DuPont & Blumenstiel is helping folks plan a path forward when they find themselves overwhelmed with debt.There’s no worse feeling than having fallen into a financial hole you can’t lift yourself out of.That’s why bankruptcy exists — it’s a lifeline for individuals, families, and companies with no other means of settling their debt. Unfortunately, declaring bankruptcy is a rather complex issue.There’s a daunting amount of paperwork to complete, and countless nitty-gritty details must be considered before committing to a filing. While everyone has unique factors that will affect this decision, there are a few big-picture questions to consider. Which Chapter AreYou Eligible For? The first decision you have to make when filing is whether to pursue Chapter 7 or Chapter 13 bankruptcy. Chapter 7 is harder to qualify for, because you need to show that your income is lower than that of a median household in your state.To make matters worse, Congress has their own way of calculating your average income, which may make it appear higher than it is in practice.

a garden is a hands-on experience for everyone. It’s a chance to get the whole family involved with a single project, and you can literally share the fruits of your labor. DECIDING ON PLANTS When it comes to deciding which plants you want in your garden, there are many variables to consider. Do you want to grow edible plants, ones that have magnificent blossoms, or ones that are easy to care for? Flowers are a good start if you want a plant that grows a little faster; plus, they lend a pop of color to your garden. Growing vegetables is also rewarding, as the kids will take great pleasure in eating what they’ve grown. Other possibilities include sunflowers, blackberries, peas, and lettuce. You might be surprised at how willingly children eat their greens when they’ve had a hand in growing them. Family gardens can bring something new and fresh to your home. So, get outside, enjoy the sun, and discover the joys of plants and gardening.

THE INS AND OUTS OF BANKRUPTCY

THINK BEFORE YOU FILE

wastes time and money, so it’s worth getting this right the first time. When you are eligible for either chapter, keep the following considerations in mind.

DoYou Have a Co-Debtor? When you are filing for bankruptcy, it’s important to consider who else may be affected — especially any other persons or organizations that share a liability to your debt. When you file for Chapter 7, your co-debtors will be left holding the bag, meaning debt collectors will almost certainly go after them, too. Filing Chapter 13 prevents this offloading of responsibility. DoYou Have Nonexempt Property? Chapter 7 bankruptcy only lets you keep property that is protected from creditors by state and federal law. If you own property that falls outside of these narrow exclusions and don’t want to see it repossessed, Chapter 13 may be a better option. While you are not fully off the hook for your debts, there is greater leeway for what property you get to keep. These are just a few of the factors we take into consideration when you schedule a bankruptcy consultation with us. We know everyone’s financial needs and goals are different, which is why we’re committed to finding you the best route back to financial solvency.

Having an expert bankruptcy attorney on your side can ensure you pursue the chapter you qualify for from the beginning. Having a filing rejected

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