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16 - General Principles of Financial Planning Alimony Debts for personal injury or death caused by driving while intoxicated Student loans, unless it would be an undue hardship for you to repay Fines and penalties for violating the law, including traf c tickets and criminal restitution (g) Recent income tax debts (past three years) and all other tax debts (h) Certain long-term obligations (such as a home mortgage) (5) The following debts may be declared nondischargeable by a bankruptcy judge in chapter 7 if the creditor challenges your request to discharge them: (a) Debts you incurred on the basis of fraud (b) Credit purchases of $1,150 or more for luxury goods or services made within 60 days of ling (c) Loans or cash advances of $1,150 or more taken within 60 days of ling (d) Debts resulting from willful or malicious injury to another person or another person s property (e) Debts arising from embezzlement, larceny, or breach of trust (f) Debts you owe under a divorce decree or settlement, unless after bankruptcy you would still not be able to afford to pay them or the bene t you would receive by the discharge outweighs any detriment to your ex-spouse (who would have to pay them if you discharge them in bankruptcy) J Alternatives debt consolidation, debt negotiation, and home equity loans or line of credit 6 Consumer protection laws A Federal Trade Commission (FTC) (1) The Commission has enforcement and administrative responsibilities under 46 laws (2) Statutes relate to competition and consumer protection missions B Consumer protection mission of the FTC (1) Truth in Lending Act (a) Title I of the Consumer Credit Protection Act (b) Requires all creditors who deal with consumers to make certain written disclosures concerning all nance charges and related aspects of credit transactions (including disclosing nance charges expressed as an annual percentage rate) (2) Fair Credit Billing Act (a) Amendment to the Truth in Lending Act (b) Protects the borrower in the event a credit card is lost or stolen to a maximum loss of $50 per card or until the card has been reported as missing if less (c) Prohibits creditors from taking actions that adversely affect the consumer s credit standing until an investigation is completed (3) Equal Credit Opportunity Act (a) Title VII of the Consumer Credit Protection Act (b) The Act prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act (c) The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit (c) (d) (e) (f).



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default boot loader. With GRUB configured, when you boot your computer, the first thing you see after the BIOS loads is the GRUB boot screen (it says GRUB at the top and lists bootable partitions below it), do one of the following: Default If you do nothing, the default operating system will boot automatically after a few seconds. Select an operating system Use the up and down arrow keys to select any of the operating systems shown on the screen. Then press Enter to boot that operating system. Edit the boot process If you want to change any of the options used during the boot process, use the arrow keys to select the operating system you want and type e to select it. Follow the next procedure to change your boot options temporarily. If you want to change your boot options so that they take effect every time you boot your computer, see the section on permanently changing boot options. Changing those options involves editing the /boot/grub/grub.conf file.

Table 4-1 Sample California City/County Cache City Pleasanton Santa Clara Livermore Palo Alto Marina del Rey Garden Grove Alameda Santa Clara Alameda Santa Clara Los Angeles Orange County

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Topic 8: Buying versus Leasing - 17 (4) The Fair Debt Collection Practices Act (a) Title VIII of the Consumer Credit Protection Act (b) The Act prohibits a debt collector from communicating with a consumer in connection with the collection of any debt at the consumer s place of employment (c) The convenient time for communicating with a consumer is after 8:00 AM and before 9:00 PM local time at the consumer s location (d) A debt collector may not communicate with any person other than a consumer, his or her attorney, and a consumer-reporting agency (e) If a consumer noti es a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer except to notify that the debt collector or creditor may invoke speci ed remedies that are ordinarily invoked by such debt collector or creditor (5) Fair Credit Reporting Act (a) The Act gives the consumer the right to see his or her le and request corrections (b) Information in a consumer report cannot be provided to anyone who does not have a purpose speci ed in the Act (c) Government cannot see the le unless it is considering employing the individual, granting a license of some kind, considering him or her for security clearance, or if back taxes are owed (d) IRS must have a legitimate case to receive a report (e) Obsolete information: 7 years for adverse information and 10 years for bankruptcies

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