What should bankruptcy attorneys do when a senior client is living on Social Security, is legally judgment-proof, but is still being harassed by creditors?

 

https://www.youtube.com/watch?v=cYkT2HALhCM

https://www.youtube.com/shorts/Dax6lSpulFo

Marketing Audit Plan for any business. Including SEO, AEO and GEO.

Marketing Audit Plan

Main goal

Evaluate the company’s full marketing operation, identify what is working and what is underperforming, and produce a prioritized action plan that improves growth, efficiency, lead quality, conversion, and ROI.

Core outcomes

By the end of the audit, you should have:

• a clear view of current marketing performance
• a breakdown of channel effectiveness
• a review of brand positioning and messaging
• a lead funnel analysis
• a competitive comparison
• a diagnosis of wasted spend and missed opportunities
• a prioritized 90-day improvement roadmap
• Review SEO, AEO and GEO results

The cost is $10,000 for 50 hours of my time.

Please email me at: GotoTom3@pm.me

Resume of Tom Forrest

I Visited New York’s Most Affordable Towns (Day 3).

Upstate New York is substantially more affordable than New York City and the downstate region, primarily due to much lower housing costs. Exact figures vary by city and town, but the gap is large.

Overall Monthly Costs (Single Person, Including Rent)

• Utica: Around $2,500–$2,600 (roughly 45–50% cheaper than NYC).
• Syracuse: About $2,680.
• Albany: Often estimated in the $2,200–$2,950 range depending on the source; typically 30%+ below the New York state average while only modestly above the U.S. national average.

A single person in many upstate cities can live for roughly half what it costs in New York City once housing is included.

Housing (The Biggest Difference)

Housing drives most of the savings:

Area	Typical 1-Bedroom Rent	Median Home Price (Recent Estimates)
Major upstate cities (Albany, Syracuse, Buffalo, Rochester)	$1,200–$1,700	$220,000–$320,000
Smaller / more rural towns (Elmira, Jamestown, Hornell, Olean, Massena, etc.)	Often under $1,000–$1,300	Frequently $100,000–$200,000 range

For comparison, Manhattan and much of downstate routinely see 1-bedroom rents well over $3,000–$4,500+ and median home prices far higher.

Other Expenses

• Groceries and everyday costs: Moderately above the national average in some places but still significantly below New York City.
• Utilities: Generally reasonable, though winter heating is a factor.
• Transportation: Most upstate areas are car-dependent (unlike NYC), which adds insurance, gas, and maintenance costs.
• Property taxes: Can be relatively high compared with home values in parts of the state, which affects homeowners more than renters.

Regional Variation

• Western New York (Buffalo, Rochester, Jamestown) and the Southern Tier tend to be among the most affordable.
• Central New York (Syracuse, Utica) and the Capital Region (Albany) are a bit higher but still far below downstate.
• College towns (Ithaca, etc.) and popular outdoor areas can command higher prices.
• Smaller towns often offer the lowest housing costs but fewer job opportunities and amenities.

Recent Trends

Upstate housing markets (especially Rochester, Syracuse, Buffalo, and Binghamton) have been among the tighter and faster-appreciating markets in the Northeast in recent years, driven by limited inventory. Prices have risen, but they remain well below downstate levels.

Bottom line: A comfortable lifestyle is achievable on a much lower income upstate than in or near New York City. The main trade-offs are typically job markets (stronger in the larger cities), weather, and reliance on a car. Costs continue to vary significantly between a major upstate city and a small rural town. 

FAMOUS PAINTINGS in the World - 100 Great Paintings of All Time

 

In this video I travel to Chengdu, China for the first time. China is a country I have always been curious about, especially as an American. In this video I show the arrival process in China as I try to navigate from the airport to my hotel in Chengdu.

 

Excellent Advice for People seeking a new Job. -- Step by step instructions.

1. Tailor Your Resume

Before sending out your resume, make sure it's tailored to the specific job you're applying for. Customize your resume to highlight the skills and experiences that are most relevant to the position.

2. Prepare Your Application Materials

• Resume: Ensure it's up-to-date and formatted professionally.
• Cover Letter: Write a personalized cover letter for each application, addressing the hiring manager by name if possible.
• References: Have a list of professional references ready, but only include them if the job posting specifically requests them.

3. Choose the Right Channels

There are several ways to send out your resume. Here are some effective channels:

a. Job Portals

• LinkedIn: Upload your resume to your LinkedIn profile and apply to jobs directly through the platform.
• Indeed, Glassdoor, Monster, etc.: Create profiles on these job boards and upload your resume. Many of these platforms allow you to apply with one click.

b. Company Websites

• Many companies have a careers page where you can apply directly. Always follow the application instructions provided.

c. Networking

• Professional Contacts: Reach out to your network for job leads and ask if they can pass along your resume to their contacts.
• LinkedIn Networking: Connect with professionals in your field and let them know you're looking for opportunities.

d. Recruitment Agencies

• Register with recruitment agencies that specialize in your field. They often have access to job openings that are not publicly advertised.

4. Emailing Your Resume

If you're emailing your resume directly to a hiring manager or HR department:

• Subject Line: Use a clear and professional subject line, e.g., "Application for [Job Title] - [Your Name]."
• Email Body: Keep it brief and professional. Introduce yourself, mention the position you're applying for, and attach your resume and cover letter.
• Attachments: Ensure your resume and cover letter are named clearly, e.g., "JohnDoe_Resume.pdf" and "JohnDoe_CoverLetter.pdf."

5. Follow Up

• After submitting your application, consider sending a follow-up email if you haven’t heard back within the timeframe mentioned in the job posting (usually 1-2 weeks).
• Keep the follow-up polite and professional, reiterating your interest in the position.

6. Track Your Applications

• Keep a record of where you've applied, the date of application, and any follow-up actions. This helps you stay organized and ensures you don’t miss any opportunities.

7. Tools and Resources

• Resume Builders: Websites like Canva, Zety, and Resume.io can help you create professional-looking resumes.
• ATS-Friendly Formats: Many companies use Applicant Tracking Systems (ATS). Use ATS-friendly resume templates to increase your chances of getting through these systems.

Example of an Email Application

Subject Line: Application for Marketing Manager Position - Jane Smith

Email Body:

Dear [Hiring Manager's Name],

I am writing to express my interest in the Marketing Manager position listed on your website. With over 5 years of experience in digital marketing and a proven track record of increasing brand visibility, I believe I would be a valuable addition to your team.

Attached, you will find my resume and cover letter for your review. I look forward to the possibility of discussing this exciting opportunity with you.

Thank you for considering my application.

Best regards, Jane Smith [Your Contact Information]

Attachments:

• JaneSmith_Resume.pdf
• JaneSmith_CoverLetter.pdf

By following these steps, you can effectively send out your resume and increase your chances of landing an interview.

Why Online Dating is Not Perfect

I have been studying online dating for years and it would appear at first like it is a great idea. For guys you know that the women are available. Most guys who see an attractive woman in public, quickly find out that she is married or already has a long term boyfriend. It is difficult enough for most guys to talk to attractive women and then when they try, they find out almost all of them are already taken.

So they may think online dating is the answer.

🌾 Modern Farming Technology -- It is amazing how technology has transformed Farming.

🌾 The Future of Farming 

How Technology Is Transforming Agriculture

For thousands of years, farming relied on hard work, intuition, and the rhythm of the seasons. Today, technology has joined that partnership — giving farmers new tools to grow more food with less waste, less labor, and greater precision than ever before.

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🚜 Smarter Machines, Smarter Fields

Modern tractors and harvesters are no longer just big engines with wheels. They’re intelligent systems equipped with GPS, sensors, and data-driven controls. Farmers can now plant rows with centimeter-level accuracy, automatically adjust fertilizer rates, and even track soil moisture across entire fields — all from a touchscreen in the cab.

These “smart farms” use automation to save time, fuel, and money, while reducing soil compaction and improving yields. The result? More efficiency, less environmental impact.

☁️ Data and Drones

Drones have taken to the skies as the eyes of the modern farmer. With high-resolution cameras and infrared imaging, they scan crops for early signs of stress, disease, or drought long before the human eye can see them. That information feeds into cloud-based farm management software, allowing farmers to pinpoint problem areas, manage irrigation schedules, and make informed decisions in real time.

Some farms even use autonomous drones to spray nutrients or pesticides exactly where they’re needed — saving chemicals and protecting nearby ecosystems.

🌾 The Power of Precision

Precision agriculture ties it all together. Sensors in the soil measure pH, temperature, and nutrient levels; satellites provide daily updates on plant growth; and AI models forecast yields or suggest planting patterns. This technology turns farming into a science of data — where each seed, drop of water, and hour of sunlight can be optimized for maximum output.

🌍 Sustainable Growth

Technology isn’t just about bigger yields — it’s about sustainability. Water-efficient irrigation, electric farm vehicles, and renewable energy systems are helping farmers reduce emissions and costs while keeping food affordable. The next step: connecting small family farms with smart tools so that technology empowers every grower, not just the largest operations.

🧠 The Human Element Remains

Even in the age of sensors and satellites, farming still depends on human wisdom — the experience to know when to trust the data, and when to trust the soil. Technology helps, but it doesn’t replace the farmer’s instinct, creativity, and connection to the land.

🎥 Watch: Smart Farming in Action

Learn how to build AI citations and rank in ChatGPT and Gemini. Charlie Marchant explains how to research prompts, analyze sources, and use proactive outreach to get your brand referenced in AI answers.

 

How long does a RSV shot last?

 

Your observation makes total sense—if a vaccine's protection goes down over time, it feels completely logical that you would need a booster or an annual shot to stay safe.

The reason federal health agencies like the CDC currently advise only a single lifetime dose comes down to a few specific scientific factors:

• The protection is still strong enough to save lives: Even though the vaccine's power wanes over time, it continues to work against what matters most: severe illness and hospitalization. Research shows that a single shot reduces the risk of RSV hospitalization by about 69% in the first year and still provides roughly 48% protection in the second year. For an older or vulnerable adult, that lingering protection is still considered highly valuable. 
•  
• Boosters haven't shown a huge extra benefit yet: In clinical trials where researchers tested giving people a second "booster" dose of the RSV vaccine, the results showed that the booster didn't significantly jump-start or increase immunity compared to what a single dose was already doing over multiple seasons. 
• 
  
• Careful monitoring of rare side effects: Because the RSV vaccines are relatively new, health authorities are balancing the benefits with safety data. Scientists are closely watching very rare safety signals—such as a tiny, slight increase in cases of a nerve condition called Guillain-Barré syndrome. Until they are certain that a booster dose provides clear, necessary benefits that outweigh any potential risks, they are holding off on recommending repeat doses. 

In short, scientists fully expect they might recommend an RSV booster in the future once they figure out the exact timeline of when it's truly necessary and safe. But for now, they are prioritizing a single shot because it gives heavy, multi-year protection right out of the gate. 

I received a RSV shot in the fall of 2025.