DuPont Wealth - December 2017

When the eve of the big day finally comes, Google promises a showcase of Santa’s “dashboard, the technology that powers his sleigh during his around-the-world journey.” Featuring “the latest and greatest … in sleigh engineering,” the app displays a Google Maps window that tracks each of Santa’s stops, gives status updates from Old Saint Nick, and tells kids how far he is from their city. It’s a colorful, fun adventure for the whole family. Of course, Google’s not the only kid on the Santa-tracking block. There’s also NORADTracks Santa , operated by the North American Aerospace Defense Command, the same organization that tracks nuclear missiles for the government. Similar to Google, noradsanta.org includes a variety of fun games and activities leading up to Christmas. But unlike Google, NORAD has a dedicated Santa-tracking app for your phone, where you can see a 3-D view of Santa’s location during his trip. The app also features videos, so you and your little ones can see clips of Santa flying around major landmarks and world cities. Just don’t stay up too late watching them. You don’t want Santa to skip over your house! SANTA TRACKING GOES HIGH-TECH

It’s almost Christmas, and if you have small kids, you know what that means: prepping for the arrival of a jolly man in a red suit and his confusingly named reindeer. Some of us may remember spending Christmas Eve curled on the couch with a cup of hot cocoa as radio reports tracked Santa’s trip around the globe. But these days, kiddos have gotten a little more high-tech in their search for up-to-date, GPS- driven Kringle updates. First, there’s the Google SantaTracker (santatracker.google.com), a full-fledged holiday hub for your browser powered by Google Maps, including, of course, an up-to-the-minute GPS tracker for the big man. The application arrived in 2004, and it’s been updated every year since. During the countdown to Christmas, there’s a colorfully animated advent calendar of sorts, where buildings around Santa’s village “thaw out” and reveal a host of fun games and activities. There’s even a section titled “Santa Tracker for Educators,” which includes kid-friendly coding games, information on international holiday traditions, and a translation app to “learn the Santa lingo from around the world.”

CHAPTER 13 BANKRUPTCY:

WHO DOES IT HELP?

When you’re steeped in debt, climbing your way out can feel impossible. You may have a stable income, but not enough to make any headway, let alone save for retirement or your children’s education. The mounting financial pressure can take its toll.

Chapter 13 bankruptcy is designed for these situations. It can give you the extra boost you need to start paying back debts, restore your good credit, and build for your future. Think of it as a five- year reset. What Is Chapter 13? Bankruptcy, as a term, has the tendency to scare people away if they don’t understand it. So, what is Chapter 13? Simply put, it’s a payment plan with your creditors that is created with the protection of the bankruptcy court behind you. When you deal with creditors on your own, they hold all the cards. With Chapter 13, the rules favor you. It’s not uncommon to pay less per month and pay off all their principle this way.

recovered from debt and returned to healthy financial lives thanks to this service. When we help clients file, we help with all the particulars, including the following.

• • • •

Analyzing your debt Determining eligibility

Establishing your property end exemptions

Completing and filing all forms

• Representing you at hearings and negotiating with creditors

Chapter 13 isn’t for everyone, and we’re very upfront with our clients if they should pursue a better course of action. If you have additional questions about Chapter 13 bankruptcy, give us a call!

HowWe Set It Up We’ve seen excellent results from our clients filing Chapter 13, and we take pride in that. Many of our clients have

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