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While renting the Hangover II is probably the closest most of us have come to visiting Thailand recently, thousands of people from the United States visit the country each year for a variety of reasons, which, interestingly enough, include the increasingly popular trend of medical tourism. The fact that people are willing to travel clear across the world for anything from cosmetic surgery to dental services is surprising enough in its own right, but that’s nothing compared to the fact that one may be able to use airline miles to not only book travel, but also to pay for the procedures themselves. In other words, the right credit card could conceivably be your ticket to free health care.

You see, Thai Airways – the 5th best international airline in the world, according to CNBC – recently offered a promotion that allowed members of its loyalty rewards program, Royal Orchid Plus, to use their miles for a wide array of medical procedures, including, but not limited to, the following:

• Breast augmentation
• Eyelid surgery
• Liposuction
• Botox
• Hair transplants
• Laser hair removal
• Teeth whitening
• Kidney cleaning
• Non-surgical facelifts
• Check-ups

All you had to do was go online and book your flight as well as the procedures you planned to undergo at one of Thailand’s hospitals or specialty clinics. While t

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Recently, sports agent Lee Steinberg filed for Chapter 7 bankruptcy.  The agent is famous for representing top athletes like Troy Aikmen and inspiring the 1996 film Jerry Maguire and its main character.

Steinberg currently owes $1.4 million in a lease for a property in Newport Beach.  The Chapter 7 bankruptcy filing lists total debts between $1 and $5 million, and only one asset of $475,000 in stock.

The sports agent said he accumulated debt while he was in rehab to recover from an alcohol addiction, and his business suffered as a result of these debts.  Steinberg says he has been sober since 2010.

What is a corporate Blog ? The term blog was coined somewhere around 1999, and at present Webster’s describe a blog as a diary; a personal chronological log of thoughts available on a Web page. More notably, it says that blogs are normally updated daily and that blogs often mirror the personality of the author. But think seriously about recurrent blogging or corporate blogging for your business. According to a verified source focused on blogs, whether personal blogs or a corporate blog, only a very tiny percentage are updated regularly. What matters the most these days is what you write not the quantity or frequency of posting

For a company or a trade or a business, there are several potential reasons to have a functioning blog, but, what you really need to mull over before blogging, is: What are your reasons for having a corporate blog?

Is it an opportunity for you to have a more personal relationship between yourself and your clients?

Is the blog just a place where members can communicate and keep each other updated without wasting time?

Are you using a corporate blog to establish your business as a thought leader to make the right people pay attention?

Or are you just using your corporate blog to test ideas or products, a place where people can comment, and provide you with a measure of value or interest?

News, opinions and information can be published widely using the blogging tools available on the internet. A

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Fewer personal bankruptcy cases were filed during 2011 according to a report by the National Bankruptcy Research Center. In 2011 about 1.3 million consumer bankruptcy cases were filed throughout the United States, or about one out of every 175 Americans. That is a decrease from 2010 when slightly less than 1.5 million cases were filed, or one out of 150 Americans, filed bankruptcy.

Chapter 13 filings fell 8 percent from 2010 totals, and Chapter 7 filings dropped 13 percent. 2011 marked the first time the number of personal bankruptcy cases had fallen since 2006. Nevada remains at the top spot for the nation’s highest per capita filing rate at 8.98 bankruptcy cases per 1,000 residents. That is a drop from Nevada’s 11.1 filing rate in 2010.

“The decline in total filings reflects the retrenchment in consumer spending associated with a down U.S. economy,” said American Bankruptcy Institute Executive Director Samuel J. Gerdano. “As con

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When debt becomes so overwhelming that a person is reduced to a substandard lifestyle and debilitating mental torment, bankruptcy may be the only way out. Declaring bankruptcy is an ordeal almost as bad as the indebted state itself. However, enduring such an ordeal and coming back may be indicator of future super star quality. Way one to start a comeback would be landing a personal loan after bankruptcy. Seeing it through according to the contract will indicate your reliability and creditworthiness.

Waiting in the Wings

One thing you should consider before declaring bankruptcy would be to take out a personal loan to consolidate your debt. This will pay off all your creditors, which is a great credit score booster. And your monthly payment will probably be far less than the aggregate of all your past creditors. You should start your search for such a loan by shopping on the web. Many folks have taken big hits on their credit scores because of these financially unstable times and many private lenders have stepped into this hot market. Read more…

While Bankruptcy is one of the most cost-effective and efficient legal means of walking away from an underwater or foreclosed home available, it is also, under the right circumstances, a better means of saving a home in danger of foreclosure than other non-bankruptcy strategies, such as mortgage modification.

 Surrendering a home in bankruptcy enables you to walk away from the property without fear of either future collections or of a negative taxable consequence, without any negotiation with the bank holding your mortgage required. If you live in a so-called “deficiency state” like Michigan, lenders can pursue you for the balance of your debt on a mortgage after a foreclosure in most circumstances. A bankruptcy prior to walking away will prevent that from happening.

 However, you may not want to walk away from your home. If your home is underwater or over-mortgaged only because of the presence of a second or even third mortgage on your home, it may be possible to remove those secondary mortgages with a Chapter 13 reorganization bankruptcy. If yo

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Fewer personal bankruptcy cases were filed during 2011 according to a report by the National Bankruptcy Research Center. In 2011 about 1.3 million consumer bankruptcy cases were filed throughout the United States, or about one out of every 175 Americans. That is a decrease from 2010 when slightly less than 1.5 million cases were filed, or one out of 150 Americans, filed bankruptcy.

Chapter 13 filings fell 8 percent from 2010 totals, and Chapter 7 filings dropped 13 percent. 2011 marked the first time the number of personal bankruptcy cases had fallen since 2006. Nevada remains at the top spot for the nation’s highest per capita filing rate at 8.98 bankruptcy cases per 1,000 residents. That is a drop from Nevada’s 11.1 filing rate in 2010.

“The decline in total filings reflects the retrenchment in consumer spending associated with a down U.S. economy,” said American Bankruptcy Institute Executive Director Samuel J. Gerdano. “As con

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In two days, 53 targeted tax breaks will, officially at least, die.

By the congressional Joint Committee on Taxation’s count, that’s the number of temporary tax subsidies that are due to expire on December 31. They’ve become known as the extenders, which sounds like the name of a wonky rock band but isn’t. They got the name because every year or so, like clockwork, Congress mindlessly continues them for another year or so. But this month, in the last–minute kerfuffle over the payroll tax, the extenders never quite got into the conversation.

This doesn’t mean they’ve been killed, however. It is more like they are being held hostage.

Most of these special interest baubles are hardly worth keeping. They include a menagerie of alternative energy credits, special depreciation rules (including the ever-popular tax break for NASCAR race tracks), extraordinary deductions for certain charitable gifts, and various investment incentives for developers in tax-favored communities (enterprise zones, Gulf coast opportunity zones and lower Manhattan–a distressed neighborhood if ever there was one).

Congress would do the nation and the budget a great favor if it let most of these goodies quietly fade away. But the list al

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Is summer is passing you by this year, turning your stay-cation into blah-cation? With Labor Day right around the corner, it’s not too late to put some adventure into your summer by taking a last minute trip or vacation.

Last-minute getaways may sound expensive, but cheap deals are there for the taking if you are willing to be flexible. Here are some tips.

Go with the flow. Whether you are flying, taking the train, or shipping out on a cruise, the more flexible you are with your travel plans, the better. Leave late at night or on a different day to get the cheapest flight. And if you are willing to go standby, or fly into a less popular city or airport, you can score big time. The same is true of cruises – if you cruise the web to find ads for last-minute vacancies, or travel “shoulder” times, before or after traditional summer and Christmastime rushes, you may find a vacation deal that costs less than staying home.

Embrace the web. Check your favorite internet travel sites, and check them often. Prices fluctuate from day to day and from city to city. But do your research and watch out for pitfalls. Sites like PriceLine.com and SkyAuction.com let you name your own price, but know the range available elsewhere so you don’t end up overpaying. On AirBnB.com, find a place to rent for just one night from a real person, for less.

Tweet for a sweet deal. Use Twitter’s search box to look for special discounts and coupons. Just enter a hashtag followed by your destination and the word discount to locate deals near you. Also, follow travel deals sites like @TravelZoo on Twitter for up-to-the-minute deals.

Travel solo. If you are looking for a single ticket on an airline or to an event, you’ll find it easier to nab a deal. You can make arrangements to meet your friends at the destination, even though you won’t be sitting together.

Call ahead. You’ll find some good hotel deals by calling ahead and calling around. Don’t just arrive with your baggage in the hotel lobby, since clerks will quote you higher prices since they know you don’t want to schlep those bags all over town.

Go off-season and off-beat. Visiting a summer attraction in the winter or a ski resort in the summer will save big bucks in lodging and meals. Or stay nearby your destination, not right in town. Camping out will trim your costs, and you can save on meals by packing a lunch and enjoying a picnic. If you splurge on a meal at a well-known restaurant, go for lunch instead of dinner or enjoy the early bird special to cut the tab by up to 40%.

Free works for me. There are many free attractions wherever you go, and many inexpensive ones as well. A hootenanny or a free concert in the park, a walking tour or nature walk, all can make for a pleasant afternoon. At historic destinations such as Washington DC, Philadelphia and Boston you’ll find that many of the great attractions are free.

Above all, enjoy the hunt. Traveling cheap is a game, so take pleasure in the experience. If you miss one deal, don’t fret, there’s another one around the corner.