yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.

2008 West
Data Direct
SOA, WOA and Cloud Computing: The New Frontier for Data Services
Red Hat
The Opening of Virtualization
User Environment Management – The Third Layer of the Desktop
Cloud Computing for Business Agility
CMIS: A Multi-Vendor Proposal for a Service-Based Content Management Interoperability Standard
Freedom OSS
Practical SOA” Max Yankelevich
Architecting an Enterprise Service Router (ESR) – A Cost-Effective Way to Scale SOA Across the Enterprise
Return on Assests: Bringing Visibility to your SOA Strategy
Managing Hybrid Endpoint Environments
Game-Changing Technology for Enterprise Clouds and Applications
Click For 2008 West
Event Webcasts

2008 West
Get ‘Rich’ Quick: Rapid Prototyping for RIA with ZERO Server Code
Keynote Systems
Designing for and Managing Performance in the New Frontier of Rich Internet Applications
How Can AJAX Improve Homeland Security?
Beyond Widgets: What a RIA Platform Should Offer
REAs: Rich Enterprise Applications
Click For 2008 Event Webcasts
Today's Top SOA Links

Sands & Associates, B.C.'s Largest Firm of Licensed Trustees and Consumer Proposals Administrators Conducts First Annual BC Consumer Debt Study

VANCOUVER, BRITISH COLUMBIA -- (Marketwire) -- 11/05/12 -- Sands & Associates, B.C.'s largest firm of licensed trustees and proposal administrators announces the results of its first annual BC Consumer Debt Study, profiling trends and key information regarding the consumer debt levels of British Columbians, specifically from markets throughout Vancouver and the Fraser Valley.

The 2012 BC Consumer Debt Study is the only B.C.-specific study to survey nearly 7,000 debtors from the area and analyzes key findings regarding debt levels, causes for overextension and financial standings after filing bankruptcy or a consumer proposal.

The results of the 2012 BC Consumer Debt Study show that an equal number of males and females and those between the ages 40-54 comprised the largest number of bankruptcy or consumer proposal filings in B.C. - with typical debt loads reaching between $25,000 to $49,000. Most accumulated this debt due to overextension of credit or unexpected expenses and attempted to remedy their situation on their own before seeking help from a licensed trustee. Prior to seeking help, the common sentiment amongst this majority was that they would never be debt-free. However, following seeking help from a licensed trustee, the majority felt they now had a bright financial future, free from the stress of debt.

One of the major findings from the 2012 BC Consumer Debt Study is that nearly all of those polled, 79.5 percent, filed bankruptcy. From this, the study points to the need for increased public education around financial management, how to identify financial red flags that could lead to uncontrollable debt and increased awareness of consumer proposals as a proactive option for debt relief. Consumer proposals are an effective, less severe alternative to bankruptcy. However, financial problems need to be identified before becoming completely unmanageable for one to qualify. The study findings show that increased education of the public, specifically the younger demographics, could lead to a decrease in the proportion of bankruptcies versus consumer proposals in the future and an improvement in the overall financial health of the B.C. consumer.

Blair Mantin, VP of Sands & Associates shares, "The results of this study take a very acute snapshot of the trends and information that are contributing to and shaping consumer debt in British Columbia. From the findings, we can conclude that much more education is needed to inform the public of how to properly manage their finances and be educated on the available options should they find themselves in financial turmoil."

The next BC Consumer Debt Study is intended to run in 2013 and will document the progression of consumer debt levels and causes in B.C.

To see the complete study and detailed findings, please visit:

About Sands & Associates:

Sands & Associates is British Columbia's largest firm of licensed, expert Proposal Administrators and Bankruptcy Trustees focused exclusively on personal and small-business insolvency services. Operating from 10 offices in the Lower Mainland, Sands & Associates uses a non-judgmental, empathetic, affordable approach to helping resolve financial difficulties. To learn more, visit

Media contact:
Chelsea Moore
TalkShop Media

About Marketwired .
Copyright © 2009 Marketwired. All rights reserved. All the news releases provided by Marketwired are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited. Further distribution of these materials is strictly forbidden, including but not limited to, posting, emailing, faxing, archiving in a public database, redistributing via a computer network or in a printed form.

Web 2.0 Latest News
Last week, I was a keynote speaker at the Mobile Edge '16 conference in Lisbon, Portugal. Following the conference I met individually with many different companies. These companies represented a variety of industries, sizes and digital maturity levels. I was sharing my latest digital ...
Ten short years ago, Apache Hadoop was just a small project deployed on a few machines at Yahoo and within a few years, it had truly become the backbone of Yahoo’s data infrastructure. Additionally, the current Apache Hadoop market is forecasted to surpass $16 billion by 2020. This mi...
COMED, my power company, sends out a monthly report that shows me my energy consumption relative to my neighbors. Every month I’m considerably higher than all my neighbors. This report also has a list of things I could do to reduce my energy consumption. The problem with this report is...
My favorite writer, Gil Press, sums it up with, “It’s Official: The Internet Of Things Takes Over Big Data As The Most Hyped Technology” where he talks about how Gartner released its latest Hype Cycle for Emerging Technologies, and how big data has moved down the “trough of disillusion...
When we talk about the impact of BYOD and BYOA and the Internet of Things, we often focus on the impact on data center architectures. That's because there will be an increasing need for authentication, for access control, for security, for application delivery as the number of potentia...
Subscribe to the World's Most Powerful Newsletters
Subscribe to Our Rss Feeds & Get Your SYS-CON News Live!
Click to Add our RSS Feeds to the Service of Your Choice:
Google Reader or Homepage Add to My Yahoo! Subscribe with Bloglines Subscribe in NewsGator Online
myFeedster Add to My AOL Subscribe in Rojo Add 'Hugg' to Newsburst from CNET Kinja Digest View Additional SYS-CON Feeds
Publish Your Article! Please send it to editorial(at)!

Advertise on this site! Contact advertising(at)! 201 802-3021

SYS-CON Featured Whitepapers