The Financial Troubles of Mark Twain: Bankruptcy for the Author of the “Great American Novel”

Everyone has heard of or has read some literature authored by Mark Twain. His most famous works include The Adventures of Tom Sawyer and The Adventures of Huckleberry Finn. It is no surprise that given the success of his literature, Mark Twain saw a substantial amount of financial success. However, what many people fail to realize is that Twain was not very investment-savvy.

For example, Twain invested $8 million (fixed for inflation) in a typesetting machine. Despite the grandness of this technological wonder, the machine was particularly vulnerable to mechanical failure. Eventually, the machine broke, and before it could be fixed, it was made obsolete by a newer, more efficient machine. Needless to say, Twain lost a ton of money on this investment.

Twain’s other big investment failure occurred when he invested all his money in forming a new publishing house because he was not satisfied with his current publisher.  Like the typesetting machine, this investment failed. Twain had too much debt, and he was forced to file for bankruptcy. Not many people know of the difficult financial situations Twain was forced to endure throughout his life.

Because of my interest in great American novelist, to further understand Mark Twain and his struggles, I decided to do a little research on consumer bankruptcy. I knew that bankruptcy law had been around for a very long time, so I figured that there could not have been that many changes from Twain’s time to the current situation. Also, even if there were changes, I concluded that the stresses and difficulties with consumer bankruptcy remained the same from Twain’s time to today.

During my research, I came across a thorough article by Greenway Bankruptcy Law, LLC that explained consumer bankruptcy. Specifically, the article’s main point was to describe a type of stressor that is often associated with consumer bankruptcy: consumer harassment.

According to the article, consumer harassment occurs when pesky creditors go after a person in debt to try to collect money. Sometimes, the harassing creditors will resort to unethical, rude, and illegal acts. One of the main points of the article was that debt itself can be very stressful, and when harassing creditors get involved, the stress gets overwhelming. The debtors are victims, and it is difficult to imagine that they are treated so poorly by unethical creditors.

The article opened my eyes to the pressures Mark Twain must have been facing. It is strange that not many people are aware that he had serious financial problems to the point that he had to file for bankruptcy. In fact, I would not be surprised if Twain had to endure some type of creditor harassment. The man lived a very troubled life and having creditors hound him for money certainly could have added to his troubles. However, when you make multiple bad business moves, you only have yourself to blame when the creditors come looking for you.

Individual killed in single-vehicle crash in Louisville

A single individual was reported deceased following a single-car accident on Westport Road Saturday, in the Lyndon area. LMPD officials report that officers responded to the call at 5:29 p.m., of a serious injury crash in the 8700 block of Westport Road. Officers discovered once they were on the scene that the eastbound car was traveling well above the speed limit when the driver drifted into the center lane and then over into the right lane before they lost control of the vehicle. The car spun out of control and hit a nearby road sign before crashing into a light pole.

Unfortunately, authorities report that the driver was not wearing a seatbelt at the time of the crash, and at this time it was believed that he was partially ejected from the car. The driver was transported to the local hospital, University Hospital, where he was ultimately pronounced dead from his injuries. The story, reported by Wave 3 News, is still being investigated and if the cause of the accident is discovered, we will return to this story as well.

While the true cause of the accident has still not been determined, we are hoping to learn more. In many cases, driver error may be to blame, especially if the driver was speeding like authorities suggest in this case. In other cases, the driver may have been distracted behind the wheel, may have been tired, or may have been under the influence of alcohol or drugs. In other cases, a vehicle defect may be to blame for the crash, which can only be determined by investigators at a later date.

Whenever there is a fatal accident, it is essential for police to thoroughly investigate the cause of the crash. If an individual loses his or her life, there are many legal questions that arise following the accident. Who was to blame? Was it the driver’s fault, or some other issue? The family of the driver deserves to have answers, and if their loved one was killed in an accident caused by a vehicle defect or negligence on the part of another party, they may be eligible to pursue legal action.

I researched personal injury lawsuits and found a Louisville personal injury lawyer’s website here. On the site, it describes the types of compensation a family may pursue if their loved one was killed in a car crash that was caused by negligence on the part of another individual or party. The family may be eligible for compensation for funeral costs, loss of the individual’s earnings, and may be able to pursue compensation for the loss of the person’s companionship.

At a devastating time like this, no one wants to have to think about legal issues, however. It is a tragic time whenever anyone loses their life and is especially difficult if the person loses their life in an accident that could have been avoided, like a car accident.

 

 

Ways to Contain Airborne Dust and Contaminants are Now Available

One effective way to improve air quality in manufacturing facilities is by controlling airborne contaminants and dust. Although all manufacturers may be aware that eliminating airborne contaminants and dusts in the workplace is their major responsibility, many are not in the know that doing so will not only keep workers safe from the dangers these harmful impurities can cause, but can also help increase worker productivity. In fact, studies on the impact of indoor air pollution on worker productivity showed a 4.2% increase in productivity when air pollution was reduced by 10 parts per billion (ppb). Poor indoor air quality, on the other hand, showed as many as six lost workdays per year for every ten employees.

Unlike in the past, plant owners can now choose from a variety of ways to contain airborne dust and contaminants. The type of manufacturing process a facility is involved in is not even an issue. Whether its manufacturing process involves chemicals, wood, paper, pharmaceutical products, food or metals, there is a dust collecting system that will fit its needs regardless of the available space it has, its layout and the amount of dust and contaminants generated.

The industrial ventilation systems of RoboVent are among the different types of dust and fume collection systems available that are designed to help a facility maintain good air quality. These ventilation systems are actually designed to address a wide variety of needs, such as abrasive blasting dust collection, aluminum dust collection, blast room dust collection, carbon black dust collection, cast iron grinding dust collection, chemical dust collection and filtration, fertilizer dust collection, fine grinding fiberglass dust collection and filtration, food processing dust collection, fumed silica dust collection, glass-making dust collection, and graphite dust collection.

The welding fume collector is one particular type of system that helps keep smoke out of welders’ breathing zone. In reality, though, this fume collector protects not only welders but all workers in the entire facility.

Warning Signs That You Need a Divorce

Warning Signs That You Need a Divorce

Divorce is not just an emotional experience. It can also be a hassle because of the legal complications associated with it. According to the website of the San Antonio divorce lawyers of Higdon, Hardy & Zuflacht, you will even have to make decisions regarding your finances, estates, assets, and relationship with your children.
In other words, divorce is a life-altering experience, so you better be sure that you want to end the marital relationship with your partner. Here are some of the warning signs you may want to consider.

Everything you have done to save the marriage has failed

First, have even tried salvaging the relationship? If no, you can start by communicating with your spouse and understanding his perspective. This way, you will have a bigger and better picture of the problems and you will be more willing to make a compromise, even if it means lowering your pride. If yes, and everything you have tried has failed, consider getting a divorce.

The relationship is exhausting you out physically and mentally

Filing for a divorce because of a single mistake from your spouse is unreasonable, unless the mistake is severe. Emotional exhaustion does not happen instantly, as it is the stress that has accumulated inside of you after a series of mistakes and problems. Sometimes, this exhaustion can be treated by having a vacation, but there also times where enough is enough and divorce is the only treatment.

You are only staying for other reasons

The spark of the relationship has faded, but the responsibilities will never fade away, such as managing the family business you have established with your partner, taking care of the kids, and paying debt. It is admirable to stay in a relationship because of these reasons, but it is important to note that there are legal options you can pursue to take care of these reasons, not to mention that staying in a toxic relationship can exhaust you.

Reasons Why Entering into a Postnuptial Agreement can be Beneficial

Since marital union makes a husband and wife only a single person, a post-nuptial agreement, which is a legal contract that involves two or more persons expressing mutual consent to the contents of an agreement being entered into, can never be considered legally valid since it would be impossible, if not absurd, to enter into a contract with oneself. This notion was maintained until the early part of the 1970s (for husbands and wives who tried to execute a post-nuptial contract) even after U.S. courts dismissed the concept of a man and a woman being only one person after entering into marital union, in order to discourage any possibility of divorce.

The increase of divorce cases after the 1970s, as well as the recognition of “no fault” divorces, however, caused a stir in the legal stand, leading to the acceptance of postnuptial agreements in American jurisprudence.

Postnuptial agreement, also known as marriage agreement, post marriage agreement, post-marital agreement or postnup, is a written contract voluntarily executed by a couple after marriage or civil union. Some couples enter into this agreement to prevent conflict and promote harmony in their relationship, while others choose to execute it to: remove causes of disagreements over finances, assets, and other issues that may arise in the event of divorce or separation; control unacceptable behaviors, like over-spending or adultery; or set parameters over asset and property division (after divorce) due to changes in financial status brought about by changes in investment income, receipt of an inheritance, sale of a business or changes in one’s career.

Though the validity of postnuptial agreements differs from one state to another, judges use the same criteria in determining its legitimacy. These criteria include: its reasonableness to both parties; the mutual consent of both spouses on the contents of the contract; and, the full disclosure of each other’s assets.

Furthermore, it states that a postnuptial agreement will eliminate any possible conflicts and save the couple from heartache and significant time and money because it will clearly point out the terms of marriage.