Michael is a systems engineer and avid scuba diver from Chicagoland. He tends to talk about himself in third person, mixes a mean gin and tonic, and shoots a wicked game of paintball on occasion.

My passion is ...

Technology

I know too much about ...

Paintball

My parents always told me ...

That if I made a silly looking face God would punish me by making it stay that way forever.

My childhood ambition ...

Was to be like Joques Cousteau, right down to the French accent

My favorite memory ...

Was memories of fishing with my grandfather back in the day...

Why I write ...

Because I like to.

What I am reading/watching/listening to ...

I'm watching my pet turtle watch me type from across the room.

My first job ...

The US Army

My best moment ...

Climbing back onto the boat after my first dive in the Atlantic.

My inspiration ...

Anyone who's ever beaten me in a race, or spelling bee.

Personal Finance > Personal Finance (Other) Personal finance tips

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Personal finance tips:

Bankruptcy

The purpose of a bankruptcy filing is to give an individual, state or business entity relief from a portion of an accumulated dept load, while ensuring that their creditors are paid to the extent that the debtor is able to pay. The consequences of personal bankruptcy are not permanent, yet can be severe and remain on your credit report for seven to ten years. Its usually in a consumers best interest to avoid bankruptcy proceedings.

There are five variants of bankruptcy filings in the United States, but only four are of concern to most private ci...

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