Status Of Financial Agreements Following Bankruptcy

Under the Family Law Act married couples may enter into binding financial agreements during the course of their marriage. However there are circumstances in which a court may set aside these agreements. One of these circumstances is where a party to the agreement entered into it for the purpose of defrauding or defeating a creditor of the party. But what if one of the parties becomes bankrupt? A recent decision of the Federal Circuit Court explored this scenario.

In Bloomfield & Grainger & Anor a wife, before becoming bankrupt, entered into a financial arrangement which transferred her interest in a property to her husband. A judgment creditor of the wife sought to have this financial agreement set aside.

Judge Cassidy determined that a creditor of a bankrupt person had standing to set aside a financial agreement made between a husband and wife, rejecting the husband’s application to have the case summarily dismissed. In finding that the applicant was a creditor for the purposes of s90K(1)(aa) of the Family Law Act and therefore had standing to set aside the financial agreement, the Judge accepted the submissions that a creditor does not cease to be a creditor when the debtor becomes bankrupt.

However it is important to note that the husband was successful in arguing that the only basis upon which a creditor can set a side financial agreement is where the purpose of the financial agreement included defrauding or defeating creditors of the wife. The creditor could not rely on the failure of the wife to obtain independent advice to have the financial agreement set aside.

What does this mean for the property in question? The husband submitted that setting aside the agreement would return the parties to a status quo where the wife’s trustee in bankruptcy would take the property encumbered with a mortgage. Therefore the utility of proceeding was not obvious in terms of a remedy for the creditor. However the creditor argued that s90K(3) is of a broader nature and sought an order that the husband transfer the property to the wife’s bankrupt estate free from mortgage or pay the market value of the property at the date of transfer.

Ultimately Judge Cassidy found the matter could not be summarily dismissed, the applicant was entitled to argue the extent of the s90K(3) power at trial and she transferred the matter to the Family Court of Australia. We therefore await the decision of the Family Court to found out the extent of the power under s90K(3).

Our  Cairns Divorce Lawyers or Townsville Divorce Lawyers can assist with all areas of family law. For a confidential discussion with one of our experienced divorce lawyers, please contact us today.

Reference: Advantages Of Bankruptcy Lawyers

How To Find Good Investment Property If You Have Never Found One Before!

Almost every person will find themselves purchasing real estate a few times during their lives. In the investment property market, it is important that you don’t fall for scams. Therefore, make sure to conduct enough research on real estate buying protocol. Follow this advice to help you in avoiding frauds while obtaining a great price when buying real estate.

Buying an investment property based on desire might only make you sad. Falling in love with a particular property investors can cloud your judgement and lead to making a bad decision. Your emotions and your instincts have quite the difference between them. When you follow your instincts, you realize that you’ll pay a good price for a great slice of real estate.

Being pre-qualified for a real estate loan and being pre-approved for one may sound similar, but there’s a sizable difference between the two. Getting pre-qualified for a loan is incredibly simple – almost anyone can get over this hurdle easily. Being pre-approved, however, involves the process of being evaluated by a financial institution to determine how much you’re allowed to borrow. If you’re pre-approved, you’ll save a lot of energy and time.

With regards to buying a home, it’s significant that you make sense of what the end costs will probably be. Do not neglect closing costs when settling on your investment property. Normal loan company fee charges, title and settlement fees, and taxes are all pertinent things that ideally are included in the closing cost. A nationwide survey of closing costs is conducted annually, and your real estate agent can make use of the figures for your area to estimate what you will need to pay, though your exact total won’t be calculated until shortly before your closing date.

It’s not astute to make any tremendous buys or move your cash around three to six months before buying investment property. Your credit profile is integral to what kind of loan you will likely be in the position to receive, so do not take any unnecessary risks. A loan company would like to be assured of your reliability and have access to a complete paper trail so they can assist you have the best possible loan. In case you open new charge cards, a lot of commitment or obtaining an extensive measure of top notch things can provoke to extraordinary grade supports. Learn how to buy an investment property for your needs

The price you offer on an investment property ought to be based on your financial situation and your assessment of the property investors’s value. Do not offend the seller by low-balling your bid, but make an opening offer that’s equitable and reasonable. Do not go low just because this is your first bid. Be reasonable. All of it boils down to how the market is doing at that moment.

Start Selling Custom T Shirts Online And Be Successful

There’re many people who make their living through online sales. When you have something to market that meets a consumer need or desire, you could join the ranks of successful online t-shirt business owners. Our strategies below will give you the information you need to get started on making money from your web store.

Understanding your customer’s habits and patterns can be done by examining your sales. One of the primary reasons your may see a sales decline is if you do not have an updated collection of custom t-shirts offered. When you notice that your sales are decreasing, ensure that you consider any new innovative processes, trends, and technologies in the field. A great way to do this is by attending trade shows relevant to your customized t-shirt and your industry.

With regards to advancing your sites, utilize new innovation and developments. Search engine users will probably be directed to your online site if you use the right keywords. Pay-per-click promotional ads can be utilized to assemble new clients from sites like Google and Bing. In order to get good optimization results when looking for natural traffic, you should go through a search engine marketing company.

Your web page design is an important part of your t-shirt business image. Visitors to your website will find it much easier to make a connection with you and your brand if there’s a pertinent theme. You will want all the elements of your t shirts website to remain consistent throughout. In case your subject isn’t driving forward through, the pages that have distinctive concentrations and setup can then again influence your photograph message and can achieve a drop in purposes of intrigue.

To keep a t-shirt business alive, it’s vital that you have repeat customers. Customers will return more often if your website looks good and is not hard to use. Think of approaches to keep your brand in front of customers, through regular mailings or e-mail newsletters, as an example, and you’ll see more repeat sales. If you put together regular monthly promotions that can increase your sales and keep your customers coming back for additional, your t-shirt business will take off.

Social media should be used by every thriving t-shirt business. You will soon enjoy the effects of social media marketing by giving your customers things including special bonuses or incentives. Don’t forget that all social media is free; therefore, there’s no reason to avoid it. By including social media pages in your marketing materials, you will create additional traffic to your pages and website.

Hearing Protection Devices : Why you should use them.

Many people work in places where the noise level is very loud. Construction sites, factories, heavy equipment operators, loggers, and even highway workers all may be exposed to noise levels, which have the ability to damage the worker’s hearing. Hearing protection devices should be worn if the sound level exceeds 85 decibels. These devices can greatly reduce the risk of hearing loss.

Proper Use Of Hearing Protection Devices

You may not think much of it at the time, but exposing your ears to excessive and incessant noise can cause some serious damage. There are many environments that are potentially dangerous to the health of your ears and the condition of your hearing could be permanently altered. Especially for those who work day after day in an exceptionally noisy atmosphere, hearing protection is very important that should not be taken lightly. It is also important even in short-lived situational circumstances, like at shooting ranges, listening to your music to loudly, and even mowing the lawn, as it only takes sounds above 85 decibels (most lawnmowers put out about 90 decibels) to start causing irreversible damage.


Hearing Protection Devices

There are a number of options of best hearing protection devices to help combat this commonly overlooked dilemma. Ear plugs and Earmuffs are the two most common categories of hearing protection devices. Ear plugs are made to fit within the ear canal and are less visible to others. Those made of an expandable foam substance are extremely convenient. They do not have to be specially fitted for each unique ear shape. They are inexpensive that will simply expand to fit most ear shapes and sizes. There are also some best ear plugs which are made of a flexible plastic material that came pre-molded in varying sizes. Earmuffs are worn on the outside of the ear. They consist of a hard cup surface with a soft cushion attached that seals around the ear.

Another option is semi-aural devices, sometimes referred to as canal caps. These have a thin, lightweight headband with small, flexible buds on the end, which fit inside the ear. This type is not as protective as ear plugs or earmuffs. They should only be used intermittently and in less severe settings.

There are three important factors to consider when choosing the protective gear that is essential to ensuring their effectiveness. They must fit properly, they must be comfortable, and you must be able to maintain a safe level of communication with those around you. When putting in ear plugs, pull up on the top of your ear with the opposite hand in order to open the ear canal. Compress the plug, then insert it into the ear canal and hold it there for about ten seconds so it can fully expand. For ear muffs, the cushion should fit completely around the ear without resting on any portion of the ear in order to form a successful seal against sound. Communication between employers and employees should be given in a clear, face-to-face manner.

Best Wireless Dog Fence Brands & Their Types

When a person hears the words “wireless fence for dogs“, what would usually come to mind are electric fences for dogs. Although more correctly termed as the “invisible fence for dogs“, most people would imagine a long wire stretching all around the house.

If the dog should try to breach it, they would get a mild shock. However, the fact that there is a wire being used, this would not constitute as a wireless type of pet containment system (although it is still classified as an “invisible” fence).

The wireless fence for dogs holds true to its name. In fact, it has become commonly known as the wifi or wireless invisible fence. This particular type of pet containment system consists of two main components: a controller and an invisible fence collar.

The pet owner adjusts the signal radius of the controller based on his or her desired roaming area for his/her dog. This signal radius may be between 6 and 13 feet, but there are more powerful systems that allow for a large roaming area of 2 acres.

If the dog should walk close to the set boundary, the collar will either emit a warning beep, buzz, or a human voice to warn it against breaching the boundary. Dogs that persist in moving closer to the boundary will get a mild shock. These corrections will be given in cycles until the dog returns to the roaming area.

best wireless dog fence

Companies that Sells Wireless Fence for Dogs

Here are some of the leading companies that offers the best wireless dog fence technologies for our pets:

Perimeter Technologies

The company boasting to have made the first wireless fence for dogs is Perimeter Technologies. Their Wi-Free Smart Station and Pet Link collars utilize digitally encoded wifi signals that have been developed in wireless communications. What makes this system revolutionary during its introduction is that its Smart Station and Pet Link color are linked by signal chips or transceivers. These transceivers not only enable the pet owner to determine the location of his or her dog, it will also constantly remind the pet to stay within the safe area.


Other systems boast additional features. For example, in the case of the Havahart Wireless Dog Fence, it is equipped with a Boundary Challenge Alert, which will alert the owner to his or her dog’s breaching the boundary. It also has a monitoring system for the battery in cases of low signals. Because batteries on invisible fence collars can be very expensive, Havahart’s system has an Integrated Motion Sensor Technology, which would conserve the life of the battery if the dog is sleeping or inactive.

wireless dog fence

Depending upon your preferred roaming area for your dog, you have the option of choosing a radial or a custom wireless system. As its name obviously denotes, a radial wireless dog fence creates a circular roaming area around the home. For homes with wider roaming areas, such as in farms, the better option would be custom wireless systems.

The Basset Hound A Family Dog | Wonderful And Loyal Friend

The Basset Hound is a special dog, that is wonderful to keep. They provide lot’s of love and a great deal of friendship. They need human contact and will be faithful friends.

Dogs live to an old age when they are well looked after. It is the responsibility of the owner to look after their animals. Hounds are beautiful pets with brown eyes and long silky ears. Irresistibly sweet, they have large paws and piercing eyes. Almost, everyone falls in love with these dogs once they see them.

People who love dogs with love Hounds. Dogs need a lot of love and exercise. If they do not get walks every day, they will get very depressed. When the owner goes on holiday, they must ensure that their pet is taken care of. They can use boarding kennels for their dog to stay whilst they are away. Finding somewhere that is respectable and trustworthy to care for the dog, is important. A boarding kennels should be registered to safely look after animals. It’s always better to examine boarding kennels before leaving animals there.


Hounds require lot’s of attention and care. Owners must care for their dogs every need and provide the right diet. A lot of dogs go abandoned each year, with no home. They are left to roam the streets and may get injured. Pet owners should be aware of the realities of dog owning responsibilities. Dogs should not be bought on a whimsical basis, but given a permanent home. As they get older, they will have greater needs.

Dogs need good diets and nutrition. They should have a balanced diet with essential elements. A dog needs plenty of fresh water and quality food. It is not good to feed dogs the human diet because they will get sick. Children should not feed dogs sweets or crisps because this is not good for them.

If a dog eats too many calories, they might become obese which is bad for them. Therefore, walking and exercise is vital for dogs to keep fit and avoid obesity. Plenty of exercise will help keep the excess calories off. Pet owners have a choice of feeding their dog dry or canned food. There are arguments for both styles of food. Big dogs need to be fed dry or semi moist foods. Smaller dogs can be fed wet food. However, it depends on what the owner wants to feed their dogs. It is much better following professional advise, but in the end, it is the owners decision.

The Basset Hound has a lot of energy, especially as a puppy. Outdoor dogs have different needs than inside dogs. Outside dogs have special dietary requirements and need increased protein. There are foods that are specially made for dogs at different life stages.