Wednesday, 30 November 2011
Five Tips To Think About Before You Go On Vacation With Your ATM Card
Reasons Why Some Credit Cards Are Refused Despite The Fact That You've Got A Great Credit Rating
Credit Card Fraud Alert - Save Yourself Pure Hell
If your credit card has been lost or stolen, you need to file a credit card fraud alert. Start by calling your credit card company and getting your card cancelled. They will arrange to send you a new card and also send you the correct forms for filing a fraud alert.
Fill the forms out promptly and get them sent in in a timely manner. The longer you wait the worse the situation can get. Like I said, it doesn't matter if the card was lost or stolen, the result can be the same. If you have only lost your card and someone finds it, they can use it fraudulently and get you in all kinds of trouble and essentially make your life a living hell until you get everything straightened out. If it was stolen, you will have the same problem. Report the loss or theft as soon as you can and get the credit card fraud alert filed. You will be glad you did.
When calling the credit bureaus remember you will only need to inform one of them, the one you report to will contact the other two for you. Filing a fraud alert with the credit bureaus allows them to advise your creditor that you may be a victim of identity theft. If someone then tries to get more credit the credit bureau should contact you to verify that it is you who is doing the asking and not the identity thief.
The initial fraud alert will stay on file for 90 days from the time you file. The 90 day fraud alert is used if you suspect that you may be the victim of identity theft or could become one. So, use this fraud alert if your credit card gets lost or there is a possibility that it was stolen or you suspect some of your mail has been stolen but you really have no proof that any theft has really occurred. 90 days is long enough to ferret out any would be identity thief. Always file a police report, just in case.
The other type of fraud alert is called an Extended Fraud Alert and last for seven years. You file an extended fraud alert in the same manner as the 90 day variety with the difference being the credit bureaus require that you also file an identity theft report. This is where the police report comes in handy as you will need a copy of the police report to file along with the form from the credit bureau.
I had a scare at the beginning of this year. All of a sudden I had stopped receiving my check stubs in the mail and then did not receive my W-2's for taxes. When I went in to the main office of my job and asked about it they gave me the login information to get my check stubs online. That is when I noticed that the address on my check stubs was incorrect and they were going to some place in a whole other state. I filed a police report just in case something ever came of it. Nothing did, though, to my relief.
This just goes to show that you cannot be too careful and although this was not a credit card, if you lose you credit card or it gets stolen, it is very important to file a credit card fraud alert.
Personal Financial Advice - A Few Words Of Caution
Everyone wants to have a financially secure future but for many that may just seem like a dream that they might not achieve. To ensure that you do have a secure financial future you need someone that can give you some unbiased, educated personal financial advice. When you are looking to hire a financial advisor to help you with your finances you will want someone that is qualified, trustworthy and someone that you like.
You can ask friends, co-workers or family members if they use a financial advisor and could possibly recommend one. It is always good to try an advisor that has been recommended as you know that if your friends or family use an advisor then they can tell you if they are good at their job and if they are trustworthy.
You can also as your bank or local credit union as they may have advisors on their own staff and if they don’t they may be able to recommend one. If your bank has financial advisors on their staff then they may try to sell you their own products so you do need to be careful that those products or services actually suit your needs. You need to find out as much as you can about any product or service that they recommend so that you have a good understanding of how you can benefit from it. If you don’t think it is beneficial to you then you might need to go elsewhere for financial advice.
A good financial advisor will be able to help you grow your current assets and also protect those assets. When looking for an advisor, don't just rush in and hire the first one that you see, it is a good idea to visit a few advisors and 'interview' them. A financial advisor is working for you after all so you have every right to ask as many questions as you need to ask to feel comfortable hiring them. You also want to find out that they are actually qualified to do the job you are hiring them for.
When you are asking questions, you should ask them whether they are an independent or a tied advisor. An independent advisor works for a number of different companies and has a much larger range of products or services to offer you. When they go over your financial situation with you and get an understanding of your current needs, then they can find the best product or service that will suit you.
Just be careful as some independent advisors will recommend the products or services that will give them the highest commission rather than the one that is best suited to you. To avoid this just ask questions so you can get a good understanding of the product and whether it will benefit you or not.
A tied advisor works for a single company and as such can only sell products or services offered by that company. The disadvantage of a tied advisor is that the range of products and services they have to offer is much smaller and also they may recommend their own products or services when there might be a better option for you elsewhere. But because they are tied to that company they cannot recommend the other options to you.
So both independent and tied financial advisors have pros and cons and with either one you need to have some knowledge so you know that you are getting the best deal. Find out as much as you can about any service or product that they recommend and have a good think about it before making a decision.
Now is the time to start taking care of your money and thinking about the future. Seeking personal financial advice can help you to set financial goals and work toward achieving those goals so you can have a secure financial future for you and your family.
Tuesday, 29 November 2011
Buying Investment Property - A Sample Strategy For Rentals
Purchasing residential properties is an easy way for new investors to begin directly owning real estate. The business model associated with buying investment property for residential purposes is straightforward and most people can grasp the basic cash flow strategy without taking a course in accounting.
However every investor should study and understand the current and expected market conditions and choose only investments that are expected to earn profits under reasonable assumptions. The first step towards developing these reasonable assumptions and buying investment property successfully is to have a rational investment strategy.
Let's examine an imaginary prudent investor's four step strategy.
Step one - Evaluate your goals.
This includes your interests and desired level of involvement. You'll need to consider whether you want to actively manage your properties or if you'd rather be hands-off. What type of properties will most likely bring the returns you seek? What kind of initial investment do you have available? Are you a sole investor or will you be part of an investment group?
Step two - Assess the market.
Simply buying investment property haphazardly all over town can lead to disaster and confusion. It's much simpler to begin in one area and expand as your portfolio does. If you're considering residential properties as rental units, start your research with the following area attributes: The migration of the residents, are they moving in or away from the area? How long do homes remain on the market compared to surrounding areas? What is the average annual market appreciation or depreciation?
Step three - You'll need a team.
At very least your team should include a realtor and an attorney. As your portfolio grows, you may consider adding a tax advisor and an insurance agent. If you're not the handy type you will definitely need a contractor on call to help you gauge repair costs and estimates.
Step four - Property selection.
If your goal is residential property then you'll want to target those attractive neighborhoods that will appeal to employed tenants. Lower tenant turnover means less property damage and lower cost to rent again. Choose homes without those special features that result in higher repair bills or greater insurance fees i.e. avoid swimming pools and working fireplaces.
With a record high number of consumers who need to sell their homes, this is an excellent time for buying investment property. Decreased market values in many areas make it more possible to buy low for cash or with little debt and build equity. Making a real estate investment now should find one in a financially equitable position once home values return to normal.
Financial Planning Advice-Assists With Your Long Term
Financial planning advice is advice that will help you get organized and track your spending habits to assist you in planning for the long term. Your income is the first place you need to start. Figure out what you make and how much is taken out in taxes each week. Then multiply this by four to get your accurate monthly income.
Write it down on the top of the page so you do not forget. Income, spending, saving and investing is all an ongoing process and it is very important to understand the basics to make your financial planning a success.
No financial plan is written in stone and must be able to roll with the punches. Times change and your financial planning advice has to be able to change with them. If they do not change with the times then you may get somewhat off track and it may take longer to realize your long term goals.
Your first order of business is to figure out where you stand right now, in real time. Get the piece of paper you wrote your monthly income at the top of and make two columns, one for a list of your assets and one for a list of your liabilities. This is done to determine your net worth. It will also give you a good idea where your money goes on a monthly basis, too.
The second thing you need to do is set some goals. Now that you know where you are financially, now you need to make some decisions on where you want to be. To do that you need to set some specific, written in stone, goals.
Once you come up with your list of goals, and it does not matter what they are, vacation, cars, RVs, College for the kids, whatever, you need to rate them. Rate them as long, mid- and short term goals. When you reach one of the short term goals like paying off that high interest credit card, you can celebrate, but just a little.
Always put any monies you free up toward another one of your goals, get rid of all the short-term goals, move on to the mid-term goals and then the long term goals. One thing to remember, always pay yourself first. Set some money aside in savings every single week. This is the best thing you can do for yourself. It does not matter how much, it will eventually add up and you can use it for whatever you need it for.
Some long term goals are buying that dream car or purchasing a home, sending your kid to college or planning for retirement. Always make sure you accomplish one of your goals before you move on to the next. Know your priorities, start with the most reachable goals and work up from there. Do not just fly by the seat of your pants either, set a reasonable time table to accomplish each goal. Do not rush things. You have heard the adage, "Slow and steady wins the race"? Consider this just more sound financial planning advice.
Making a Marriage Proposal Special
When you become engaged what everyone seems to want to know is how the “proposer” popped the question. Was the marriage proposal given in a traditional manner down on one knee, looking up in the shining surprised eyes of the bride to be? Or was it given as a spur of the moment gesture after a good night out? Was it delivered with romantic words either from the man’s heart, or remembered from a love poem? Or was it more of a slurred just audible whisper before the wine took over and he fell asleep on the sofa?
For the couple, the marriage proposal is the start of the wedding. It’s the catalyst that starts a chain of events, which will lead to one of the most stressful, yet treasured, days in a woman’s life. For this reason, if no other, it should be given a fitting setting – somewhere romantic, memorable, an intimate moment between two separate people about to embark on a life together.
When you first realize that you are dating the person you want to spend the rest of your life with, that’s the time to start planning the marriage proposal. Don’t rush this. Try to discover what your partner thinks about public proposals? Do they like them, or do they think that a marriage proposal should be something between the couple alone? Do you think that they would enjoy doing a once-in-a-lifetime experience that ended in the proposal, or would they perhaps enjoy a quiet romantic dinner that ended with a ring as sparkling as the wine on the table?
There are many ways to make a marriage proposal special, but some of them will take some forward planning. For instance, you could consider fulfilling a dream your partner has to swim with dolphins, and ask the question when you are both in the water with the graceful animals swimming around you. Alternatively, how about a hot air balloon ride over some beautiful scenery such as the Californian vineyards or even an African savannah if you want to go really exotic! You could propose to your beloved underwater on a snorkeling trip, or at the top of a mountain covered in either spring flowers or snow. You could do it yourself, or you could organize for someone else – such as a look-alike celebrity or local personality – to do it on your behalf. You could give your marriage proposal at the end of a long monologue, or you could just place the ring somewhere she’ll find it at a nice dinner in an expensive restaurant and explain yourself when she finds it.
5 Ways To Numb The Financial Pain Of Divorce
Whether it comes before or after the papers are signed, economic hardship is all too familiar to many couples who divorce. Following a few financial guidelines can ease the burden during this difficult time.
Each year, 1 million Americans divorce. More than 80 percent of divorcing couples cite “debt and financial distress” as the primary factor in the dissolution of their marriages, according to an American Bar Association survey, and studies find that most families suffer a financial decline following a divorce. By taking steps to protect credit, families can come through in much better shape. Bills.com, a national consumer finance portal, encourages divorcing couples to take the following steps:
1. Accurately assess debts and liabilities. First, see yourself as your creditors do. Online (see http://www.myfico.com ) or by phone, you can request a "tri-merge" credit report (a summary from all three major credit reporting bureaus). Note all of your existing shared and individual liabilities. Settle (or get a judgment) on how you'll allocate these responsibilities.
2. Plan on how to handle your home. If you own a home, the mortgage is likely your most significant monthly payment. Be certain you understand how you'll resolve monthly mortgage payments, and how you'll divide the home's value – whether one partner buys out the other now, or the home is to be sold after children are grown.
3. Budget for payments. Create a detailed budget, based on your new income level, and use free cash flow to pay off debts. Most people find the most efficient way to pay off debts is to first pay off smaller bills – starting with under $100 – then pay off loans and unsecured debt, such as credit cards, beginning with the account with the highest interest rate.
4. Make sure your ex-spouse is making his or her payments. If possible, make provisions in the divorce agreement for reporting on resolution of significant debt. There are important implications for you personally if your spouse does not meet his/her end of the bargain on liabilities allocated through the divorce proceedings.
Call all creditors for shared accounts (credit cards, gas cards, department store cards, phone cards, etc.). Close the accounts if you are not carrying balances, or remove your name from jointly held accounts. Remember that for jointly held credit cards, and for any other debts incurred during the marriage in community property states, you have shared liability – and thereby share any potential negative credit rating impact. This means that if your spouse does not make payments after the divorce, it could come back to haunt you – and your credit rating.
If you owe back taxes, be aware that the IRS does not have to honor a decision from a divorce judgment. Consult a tax expert to help with your divorce tax planning.
5. Focus on rehabilitating your credit and financial health. Begin a savings plan. Reinvest any proceeds or equity that come out of the divorce proceeding, and be especially cognizant of building yourself a retirement fund for the future.
If you find yourself in trouble during this stressful time -- in which you must make many financial decisions -- seek help immediately from a reliable, professional debt resolution firm. Be sure to investigate the company you choose to assist you, and seek out a company that operates for the consumer, which is markedly different from credit counseling, debt consolidation, and debt management firms.
Monday, 28 November 2011
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How To Protect Yourself From Identity Theft - 4 Ways
Anyone who hasn't been living in a cave for the last few years knows that identity theft is the fastest growing type of crime. There are no guarantees but there are some simple things you can do to make sure you don't become a target. Learn how to protect yourself from identity theft.
Knowledge is power and no where is that more true than when it comes to keeping your identity safe. There are specific steps you can take to make yourself a 'harder' target for would be thieves.
I recently read an account of a man who lived in the Chicago area who found out that an illegal immigrant had been using his identity for several years. Since the thief paid his bills on time it never showed up on the mans credit report... he had no idea!
The first step, and the most obvious, is don't make it easy for the thieves, learn how to protect yourself from identity theft. Don't just give out your personal information. A friend of mine has been carrying her social security card in her wallet for years. I've warned her repeatedly that she is taking a big risk.
Don't carry any more identification than is absolutely necessary. You don't need to carry your social security card with you. Also, don't leave the house with all your credit cards. Only carry one, unless you need more to go shopping.
2. Never give out personal information to someone on the phone... unless you called them. There are cheap devices available today that can mask the caller ID of anyone. So even though your caller ID says it's your local bank (or utility company, or credit card company) calling that doesn't mean it really is them.
If you ever get a suspicious call err on the side of caution and politely get off the phone then call the company back... and don't call the number that you get from the person who just called you, make sure you look the number up yourself so you know who you're calling.
3. You would be surprised at how much a thief can do with the simplest of information. For that reason, make sure that you shred all papers before you throw them in the trash. Again, it's a good idea to err on the side of caution. Even if you think that the papers don't have any important info on them, why not just be careful? It only takes a minute to shred.
4. Never click on a link in an email to be taken to a website and then enter personal information on that site. Again, just like with the caller ID on a phone, thieves can make it appear that you are on a website, say for your bank, when in reality you are on their website and they are stealing your personal information. Make sure you type the address into your web browser.
It's actually quite easy to learn how to protect yourself from identity theft, the most important thing is to just take these simple precautions.
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Debt Management Budgeting in Six Easy Steps
You know you're in a pool of debt if:
• You're juggling bills. For example, you apply for another credit card and use cash advances from it to pay an existing card.
• You have more credit cards than a successful gambler has poker chips.
• You are at or perilously near the limit on each of your credit cards.
• You consistently charge more each month than you make in payments.
• You are working overtime to keep up with your credit card payments.
• You don't know how much you owe and really don't want to find out.
• You have received phone calls or letters about delinquent bill payments.
• Your credit cards are no longer used for the sake of convenience, but because you don't have money.
• You are hiding the true cost of your purchases from your spouse.
The amount of debt left unpaid increases overtime due to interest rates. To keep yourself and family from sleepless nights due to debts, start a debt management budgeting strategy with special interest on decreasing debts.
1. CUT ALL CREDIT CARDS
It is best if you don't use credit cards, or even own one. If you think you're responsible enough to use it in emergency situation, then leave one for those times. Buying a Gucci dress for a hot date isn't an emergency situation. Paying for school tuition fee or electric bills is a right example of emergency situation.
Only fools keep more than one credit card. If you want to go down the pool of debt then own ten. Keeping ourselves away from temptation is the first step towards debt management budgeting.
2. KEEP TAB OF INCOME AND EXPENSES
Write down in your budget pad or software every debt you have, even the small ones. Number them according to importance. Between a house mortgage and a car mortgage, label the house mortgage as 1.
Then study your budget pad. Could you cut down expenses on utility bills or transportation? If yes, how much would it raise to add up to fund the mortgage? Study all possibilities of cutting down your expenses.
3. SAVE FOR THE RAINY DAYS
Effective debt management budgeting means not forgetting to save. Although you want to settle your debt, you don't want to be penniless when rainy days come, or do you? You don't have to allot every money that you have to pay off a debt. You only have to manage debt.
Save at least ten percent (10%) from your income, regularly.
4. SAVE TO PAY DEBTS
Since your program is debt management budgeting, you have to allot certain percentage from your income just to settle your debts. For evey income that comes in, automatically save five percent (5%) from it. That five percent shall be used specifically to pay debts. It shall not be used for any other purposes.
5. CUT CORNERS
Compare the income and the expenses. In debt management budgeting, if the expenses are larger than the income, you are going to have to look at cutting corners. The easiest place to cut corners are on expenses that requires our discretion such as grocery bill, or the entertainment expenses. Necessary and fixed expenses such as mortgage, or rent, car insurance, utility bills can be lessened a little, but for the most part will stay the same.
You don't have to deprive yourself of everything that you enjoy, but cutting back a little will help. Using coupons at the grocery store, and shopping for sale items will help cut your grocery bill. You can also limit your entertainment expenses by watching movies on video so the entire family can enjoy the movie in a price of one. The extra you save could be used to buy another video or or towards something that you really need, or want.
6. ASK FOR DEBT RESTRUCTURE OR AVAIL OF AMNESTY PROGRAM
Take advantage of the amnesty program that banks and credit card companies offer. Most especially for the credit card companies, they offer payment of principal amount less the padded interest. This will help make budgeting and managing your debt easier.
If you think you're drowning with the amount of your monthly amortization, say for your mortgage, ask for debt restructuring. Have it stretched to suit your budget.
Although you may pay for the mortgage in a longer period of time, the debt restructuring allows you to pay the amortization on time and save on interest for late payments or worse, repossession of your property.
Report Stolen Social Security Card - Dont Be Stupid
While the Social Security Administration doesn't track your lost or stolen Social Security card, it's still important for you to report stolen social security card to the credit bureaus and to the police department even if you're not sure it was stolen.
Once you have lost personal information, in many states, you can get special privileges to access your credit reports and protect yourself from identity theft. If your Social Security card is stolen a thief can have a field day with that information alone. That's why it's so important to report stolen social security card and monitor your credit reports carefully.
For an identity thief, a social security card is like a Christmas present. Out of all the things that they can use to steal your identity, a social security card is the mother lode.
For this reason it's very important to file a police report and keep a close eye on your credit report if you've lost your wallet or purse. Even if you think you just misplaced it and that it wasn't stolen, that's not to say that someone couldn't find it and still use it to steal your identity.
This is the reason that it is so important to keep your social security card in a safe place. For the most part, you simply don't need to, and shouldn't, carry your card with you on a day to day basis.
Since the card can be used to such a disadvantage to you if it's stolen, and such a big advantage to a thief, and since there really is no reason you even need to have the card on you at all times, why even take the chance? Just leave your social security card at home where it will be safe (preferably in a safe that is bolted to the floor).
If you try to sign up for some sort of membership card and they try to use your social security number as your ID number,tell them no. No company should be so stupid as to use a social security number in plain view.
With so much awareness of identity theft I would be amazed if any company even still did that, if they do, tell them no way. If they refuse to change the number or give you lame reasons why they can't then cancel your account with them and take your business elsewhere.
It is easy enough for thieves to steal anyone's information, don't be naive or gullible and believe that everyone is on the up and up when they ask for your information. Not everyone is. If they are not and you give your information out, count on having to report stolen social security number.
The point to all this is simple: it's always easier to take few minutes and protect yourself than it is to put the pieces back together after someone has stolen your identity. If you don't carry your social security card with you it can't be lost and you won't ever have to worry about how to report stolen social security card.
Identity Theft Information Keeps You Safe
Identity theft information is easily found online. The trouble isn't finding the information, it's sorting through it to know what is good advice and what isn't. This article will provide you with some basics on how to protect your identity and your financial future.
Identity theft is the fastest growing crime today. Millions of people are affected every year and billions of dollars are lost to fraudulent activity. It's more important than ever for all of us to be diligent. If your identity is stolen it doesn't just affect you, it affects all of us since the companies pass on those lost dollars to all of us in the form of higher fees.
Take this identity theft information and use it to protect yourself as well as help keep costs down for all of us:
1. Don't give out your personal information. It's easy to get caught off guard when some quick talking person calls you on the phone and says there is a problem with your account, could you please verify your information?
But stop and think, if the bank, credit card company or utility company is calling you, than why would they need your information? They are calling you, don't they already have your information? Yes, they do. It's most likely a scam, hang up and call the company yourself.
2. Shred your documents. It only takes a minute and you may be surprised to learn how much damage can be done with some simple information. Better to be safe than sorry.
3. Don't carry your social security card with you. Also don't put your drivers license number on your checks. With your birth date and your drivers license number a thief can do a lot of damage. Don't make it easy for them, keep your information to yourself.
4. You get to check each of the three credit bureaus every year, for free. Do it. Take full advantage and if you see something that looks wrong, contact the credit bureau right away.
5. It's a hassle, I know, but look over your credit card and bank statements thoroughly every month. Finding a mistake can be a sign that someone is using your identity.
6. Keep your computer protected. Keep all your anti virus and anti spyware up to date and run scans frequently. Keep firewalls active all the time.
7. Don't ever make the mistake of thinking that you can click on a link in an email and that you will be at the site of your bank, or credit card company and start filling in personal information. There are ways of masking the website address and making it appear you are on a different site.
So you may be thinking that you are on the site for your bank when in actuality you are on the site of scammers and they are gathering all your personal information. Don't click links, instead type the address in yourself.
Use this identity theft information as a starting point. You can always ask your bank and credit card company for more help, after all, if you can protect your identity you can help them from losing a lot of money.
A Primer On Selling Coins
The first factor to consider is whether or not your coins are composed of
An Introduction To Good Causes Credit Cards
Your Questions About Solar Panels Colorado
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Your Questions About Solar Panels Colorado
http://welcome.colostate.edu/features/ava-solar.aspx
Sounds very exciting and enormous potential.WaysToSaveEnergy answers:That's all very well, but how do you invest into it?Ruth asks…What
Finding The Best Financial Advice That Works For You
Everywhere you go you will get different financial advice and advice that suits some will not necessarily suit others. You need to find what works best for you and go from there. With the recent recession it has taught us one thing and that is that you do need a financial plan, even a basic plan that helps you to save more and spend less, particularly on credit.
But how do you know what financial advice really is good advice?
Although there is a lot of different financial advice available the end decision is yours to make. You know best what type of lifestyle you live, what type of lifestyle you would like to live and what your goals are for the future. Any advice that you receive is simply advice and an option for you to consider, but you are the one that needs to make the ultimate choice for the benefit of your financial future.
When you do find a financial advisor that you can trust and that gives you good advice that will suit your lifestyle, then you can develop a good relationship and they can help you with your finance decision. Here are some things to look for when choosing a financial advisor.
1. When visiting a financial advisor you need to know if they are tied to the company that they are working for. A ‘tied’ financial agent works for a company and are tied down to specifically sell and promote the products and services of that company. So even though there might be better financial options elsewhere, they will not show you those options because they are selling you their product and only their product. A tide financial advisor is bound to the company they are employed by and they can help you to some degree by showing you which of their products would be more suited to you, however their advice is biased toward their own products. They will not tell you if there is advice elsewhere that would benefit you more.
2. Many financial advisors will make a great deal of their income by way of commission on what they sell. Because they work on a commission basis they are concerned mainly about making a sale so they can earn money, if they don’t make a sale then they don’t make money. Some advisors will try to sell you extra products or services that you don’t really need just to make extra commission.
When choosing a financial advisor make sure that you know what commissions they earn or what the total fees will come to. Don’t fall into the trap of buying everything that they offer because it might not always be in your best interest.
3. Will your financial advisor accept fiduciary responsibility? This is a very important factor to determine whether the financial advisor is working in your best interest or not. An advisor that accepts fiduciary responsibility is obligated under the law to act in the client’s best interest. If an advisor does not accept fiduciary responsibility then they are not obligated to act in your best interest but only in a way that doesn’t hurt you.
4. Does the financial advisor or planner help you with different aspects of your financial plan? Some advisors are qualified in specific areas and only offer advice in that area in which case you would need to seek another advisor for help in other areas. A good advisor should be able to help you in all aspects of financial planning, including insurance, investment and debt management.
These four tips should hopefully help you in your quest to find a good financial advisor that can help you keep your finances on track and have a healthy financial future. Finances can be confusing and overwhelming at times and although it does cost to see a financial advisor they will usually be able to save you a lot of money in the long term.
Sunday, 27 November 2011
Your Questions About Save Energy How Would You Like It
The Government Accountability Office (GAO) thought it would be fun, not to mention a good idea, to run a little test of the EPA's Energy Star program. You've heard of the Energy Star, haven't you? The EPA will consider submissions from manufacturers who want their appliances certified as energy efficient. Do these certifications mean
Your Questions About Save Energy How Would You Like It
The Government Accountability Office (GAO) thought it would be fun, not to mention a good idea, to run a little test of the EPA's Energy Star program. You've heard of the Energy Star, haven't you? The EPA will consider submissions from manufacturers who want their appliances certified as energy efficient. Do these certifications mean
Gold Mining Stocks - Simple Steps To Stay Ahead
Just like back in the old west days, gold mining companies invest time and resources to discover, mine and process gold. To be able to finance this expensive operation many companies will offer public shares which, as you probably know, allows the average person to own a small piece of the company. When the prices for gold goes up, so does the profit margin and that's when the investor can see a profit from owning gold mining stocks.
To increase your chances of making money, and not losing money, there are some simple steps you can take. Remember though, all types of investing carry some risk, though you may be able to mitigate a lot of the risk by gaining knowledge, you can't guarantee you'll make money so never invest more than you can afford to lose.
One thing you should do first is to figure out how much money you can allocate to buy mining shares. The general rule is to have about 10% of your portfolio made up with precious metals, but since mining has it's own unique dangers not all of your precious metals allocation should come from mining company shares.
Pick your companies. Some people prefer to go with just one large cap company for their mining shares allocation. Other's prefer to have several mining companies as part of their portfolio, so if one company fails they aren't completely out in the cold.
Still others enjoy the thrill of investing in younger companies that don't have much of a track record. This can give them huge paydays if the company does well. Of course, the risk is much greater too.
When choosing your stocks consider the debt, cash flow and mineral reserves of a chosen company.
It's also a good idea to familiarize yourself with the countries that the mining company does business in as this can provide clues to various threats to their bottom line. We all know there are some very unstable regions around the world, if the company you are looking at does business in these areas they may face issues that will force them to slow down, or shut down, production.
Remember, that mines need to pay for the equipment and workers to run their mines. Keep this in mind as well when researching companies. Depending on their location they may or may not have access to sufficient labor pools and other resources.
You can also buy shares in a company that owns the gold, not just the mine. These are called EFT's. They are bought and sold like stocks, they are stocks. You don't actually own any stock in the mining companies themselves most of the time, and you don't actually own any gold. Keep these factors in mind before you decide whether or not EFT's are the right way for you to go.
For many investors looking for a hedge against falling dollar values, investing in gold mining stocks just makes a lot of sense. If you think it makes sense for you too, there are many places you can go to purchase them. Do your homework first though so you can end up with the pot of gold instead of just the shaft.
Your Questions About Saving Energy At Home
If any information kindly contact me @ +91-9314504902/ 9529560059 or joem@in.com/joe.mathew@ymail.comWaysToSaveEnergy answers:According to this article
Your Questions About Saving Energy At Home
If any information kindly contact me @ +91-9314504902/ 9529560059 or joem@in.com/joe.mathew@ymail.comWaysToSaveEnergy answers:According to this article
Your Questions About Relationship Test
when i was with my ex girlfriend, i broke up with her 3 weeks ago,
she
- cheated on me 4 time
- suggested i put on weight because i was too thin, but then finding out that she wanted me to look fat so she could look supermodel material next to me
- saying for a while that ' she loves me, but doesnt like me '
- banned me from seeing most of my friends
Your Questions About Relationship Test
when i was with my ex girlfriend, i broke up with her 3 weeks ago,
she
- cheated on me 4 time
- suggested i put on weight because i was too thin, but then finding out that she wanted me to look fat so she could look supermodel material next to me
- saying for a while that ' she loves me, but doesnt like me '
- banned me from seeing most of my friends
Half Dozen Health Secrets - That Are Secretly Killing You!
Hot Health Trend Of Taking Personal Control Of Health And Getting "unplugged" From The Deceptive And Expensive And Broken Health Care System. Life Saving And Life Changing Information To Empower Every Person In The Us.
Check it out!Your Questions About Energy Tips For Pregnancy
Your Questions About Energy Tips For Pregnancy
Is a Las Vegas Marriage for You?
It’s talked about in such a tone of voice that a Las Vegas marriage is almost a cliché. Is it really legal to get married on what could be called – and some actually admit to being – a whim? What makes getting married in Las Vegas so popular? Why do so many couples choose to make it the place for their big day (or night as the case may be in Vegas)?
There are two very different opinions on Las Vegas as a wedding venue. Some people feel that a Las Vegas marriage is something that should avoided like all-in-one tight white suits. Then there are others who see the city as a place to have a wedding that’s unlike anything they’d probably envisaged their own ceremony to be. There are couples who arrive in the city with a Las Vegas marriage their main focus. Then there are others for whom a good night at the tables means a gold band to place beside the extra chips on the hotel dresser.
It’s not possible to just arrive in Vegas and expect to get married however. Even in this fun-filled city, there are formalities that have to be observed. Be prepared to wait in line (on some days a LONG line) for your marriage license for example – without this not even the drive-thru wedding chapel is going to marry you! If you check in advance what you need, and have your paperwork in order, then the processing takes only as long as the line of couples ahead of you take to move along. Once you hold the license you are free to choose the location of your choice – and if you want a Las Vegas marriage, you’ve got plenty of choice!
Many people come to Vegas for a Las Vegas marriage for one thing – Elvis! Memphis may have been Elvis’ home, but Vegas is home to Elvis – or rather his impersonators! For those who have a thing for the King, then Vegas is a must for the perfect wedding. Whether you want to be married by “him”, witness your ceremony, or serenade you as your read your vows, you’ll be able to find a venue that will provide exactly the kind of Elvis wedding you want.
If you and your partner are staying at one of the hotels on the strip, ask at the front desk if you aren’t sure about what your options for venue are. Some of the hotels even have an in-house wedding planner available who can help you find the wedding of your dreams in Vegas. They will be able to advise you on everything from where to find a dress if you haven’t brought one with you, to getting some photographs, and tracking down the perfect venue for your ceremony.
Even without a wedding planner, a Las Vegas wedding is fairly simple to arrange however. With some of the venues open 24 hours a day, 7 days a week, there’s usually some time available for a reservation at the venue of your choosing. Talks to the owners of the venue, most of them offer a variety of packages that range from tacky to tasteful with everything in between. Whether you want the whole nine yards of flowers, photos, video, and specially created vows along with your ceremony – or whether you prefer to just complete the legalities and leave – you’ll have no trouble finding what you desire.
Love them or hate them, a Las Vegas wedding is something of an enigma. Initial marriage, special anniversary, or just a blessing in a hotel lobby surrounded by Centurions, Vegas does them all – and what better place could there be to take the biggest gamble of them all, marriage!
Don't Divorce Your Children
Divorce is certainly an emotional time for families. In fact, it ranks as one of the most stressful experiences in life. However, it is not only the adults who experience this stress. If the adults are parents, their children often suffer greatly. Their suffering can not be entirely eliminated. A certain amount of grief at the 'death' of their parents' relationship is to be expected. Nevertheless, while the adults are going through typically arduous legal wrangling it is important for them to remember the needs of their children and put them first. Deciding to cooperate for their sake will help to protect the children's emotional well being by maintaining their sense of security and need for unconditional love. Marital breakdown is difficult for everyone - especially children. There are several ways in which loving, responsible parents can cooperate for the good of their children. Even though the marriage may have broken down, the parental relationship is 'till death do us part'.
Child and youth counselors emphasize that children need lasting relationships with both parents. More often than not joint custody is granted because of this accepted understanding. Ideally, the relationship of the parents should be business-like and cooperative for the sake of the children. Children should not witness hostility between their parents and should not hear negative statements about either parent. It is recommended that parents commit to regularly scheduled meetings, in a neutral location for the purpose of discussing child-related issues. Education, medical, religious and moral issues that concern the children's well- being need to be dealt with by both parents. If emotions prohibit calm conversation, there are often family justice counselors available in the community to facilitate these important meetings.
Children going through the divorce of their parents usually have many questions and worries. Compassionate responses are required and it certainly takes mature parents in order to put aside their own issues and help their children gain some understanding about a situation over which they have no control. Unfortunately, many children experience guilt and often blame themselves for the marital breakup of their parents. Counseling - whether group or individual - can be an effective way to lessen this destructive burden. The objectivity of the counselor may help the child open up and share his/her feelings. As children mature, their questions will differ so the issue of their parents' divorce is never really over. A commitment on behalf of both parents to open communication with the children will reassure them greatly.
Help! I'm in the UK and I need divorce advice
Divorce is always painful, especially if it comes after bitter courtroom battles. But you can avoid a lot of pain by hiring the right divorce solicitor. This may not be easy. There are many legal offices and many solicitors. Finding the right one, therefore, requires time and effort. Here is a step-by-step guide.
Make a shortlist
First, shortlist solicitors who specialise in divorce and family law. Ask friends and relatives for their recommendations. Next, get in touch with professional associations such as the Resolution (formerly Solicitor’s Family Law Association) and the Children Panel (if you have children) and ask for a list of their members. You can also pick from the solicitors listed in the Community Legal Service of the Citizens Advice Bureau database. Finally, and as a last resort, you may also scan the Yellow Pages.
Discuss, check, identify the best
Now zero in on one solicitor who you think would be just right for you. Visit or call the solicitors on your shortlist, take appointments with each and discuss with each the details of your case. Ask questions and try to assess who appears to be the most knowledgeable, competent and trustworthy. Usually, your initial discussions with the solicitors will be free of charge. So, make good use of them.
.
Look at track record
If you think in your case the divorce part would be easy but disputes may arise regarding child custody, go for a solicitor who has won difficult child custody cases in the past. Similarly, if you think proving adultery or infidelity would be critical in your case, pick a solicitor who has a successful track record in similar cases.
Know about all services
Through your interviews try to find out the entire range of services provided by each solicitor. Often a divorce case may affect businesses and trusts. In that case pick a solicitor who can provide mediation and related services. If there is something unique about your divorce, look for a solicitor with a family law specialization.
To verify this, check for affiliations – whether the solicitor is a member of the SLFA Specialist Accreditation Scheme or of the Law Society’s Family Law Panel, an organisation whose members have a verified deep knowledge of family law.
Check out fees and costs
Always make it a point to fully understand the fee structure of the person or firm you are hiring. Larger firms have prepared brochures listing their services, payment terms and appropriate charges. Read these thoroughly and ask questions to clarify all doubts. Be frank about your budget and your needs. Don’t lose simply because you ended up being in a situation where you were unable to bear the costs of litigation any more.
Go with your gut feeling
While there are no fixed rules to determine who would be the best solicitor for you, often a surprisingly good indicator is to go by gut feeling. If you can trust somebody and are confident of his/her abilities, go ahead and hire him or her. But if in meeting the individual you find yourself questioning their abilities, move on. Family law is a bar primarily focused on negotiation and personal relations, so if you do not like the individual, chances are they will not perform up to par.
Selecting an excellent solicitor will mean not only that will you not have to worry about falling into a legal trap, but further, it will give you confidence and knowledge as to how your case will play out.
Your Questions About Solar Panels Wiki
Can this panel be used to generate electricity with some modification, so that it can stored in battery and used to power electronic items?WaysToSaveEnergy answers:If you heat the water too much too produce an intense amount of steam, which when transferred to a turbine connected to a generator, will rotate it, you can
Your Questions About Solar Panels Wiki
Can this panel be used to generate electricity with some modification, so that it can stored in battery and used to power electronic items?WaysToSaveEnergy answers:If you heat the water too much too produce an intense amount of steam, which when transferred to a turbine connected to a generator, will rotate it, you can
How to Save Your Marriage
Many marriages fail because of a lack of communication, a rocky foundation of trust, the inability to spend quality time together, and countless other reasons. In spite of everything, there are ways to help save a marriage that is heading toward negativity. A healthy marriage is comprised of mutual understanding, listening and respecting each other’s differences, accepting arrangements and plans, and overall, having the confidence to work through setbacks and conflict.
It’s important not to blame each other for any conflict, tense situations, or let anger rise out of proportion on a regular basis. In order to save your marriage, it’s going to take time to understand and listen to each other and come to a resolution rather than a crisis. Talking together in s peaceful and safe environment is essential for progress.
Making time for each other consistently is also important in saving your marriage. If you don’t have time for dinner, schedule time for coffee, breakfast, or even doing an activity together where you’ll both have plenty of room to talk, share, and laugh about what’s on your mind. Take a time out from voice mails, e-mails, and switch off the television. A marriage requires a personal commitment just like other responsibilities.
Plan a trip together, or take a mini vacation where you can remember your commitment to one another. This can help re-amplify your marriage, creating the opportunity to rekindle some romance and the positive moments and times you’ve shared together. Remembering your commitment to one another can be a turning point in saving your marriage, a time to honor and cherish.
Remind each other that you’ll get through the rough times, the crisis, or whatever is on your mind together. This can help create a stronger bond, and serve as a stepping stone for the next phase of your life. Ask for support from family and friends if you need to, or make arrangements with a marriage counselor to overcome the difficulty together. Sometimes it helps to have a third party involved so that conflict can be managed effectively with another perspective.
Learning how to cope with stress during marital conflict is important when you want to save your marriage. This can mean taking a break, finding social support, or working directly on the problem together. You can show empathy and love, and avoid criticism. This can strengthen your bond, and also clear the way for deeper feelings for one another.
Having patience will be essential in saving your marriage, and it’s important to maintain balance and perspective if any conflict arises. Patience also involves listening to one another during an argument, and letting each other share views on a subject. Resolving marital conflict may not be easy, but it offers an opportunity for learning and growing. No matter how chaotic life can be, there can always be time to take a deep breath and let things settle. It’s important to be realistic, practice strong communication skills, further your commitment and understanding of one another, and be as patient as possible.
Saturday, 26 November 2011
Your Questions About Save Energy At Home
Your Questions About Save Energy At Home
Advice From A Divorce Attorney?
I believe that divorce is one of the biggest epidemics in our current society that isn't being recognized or treated as such. As a marriage and family therapist, of course divorce is something that I am passionate about because it is something that I am spending my life to fight against. I am not ignorant enough to believe that I will see all cases of divorce end during my lifetime, nor am I ignorant enough to believe that all divorce cases even should be prevented. I am, however, perhaps ignorant in my belief that it is crazy for people considering divorce to get advice from a divorce attorney.
Now, most of you are thinking I'm crazy. Who would go to a divorce attorney for advice about their failing marraige? Many people, unfortunately. I had no idea until I began working with marriages and families in crisis just how many individuals and even couples were seeking refuge and advice with their divorce attorney.
I was overwhelmed by my new knowledge for one primary reason. Have people considering getting a divorce forgotten that a divorce attorney is the very last person who will be concerned with them repairing a broken marriage? A divorce attorney makes a living helping married people get divorced while getting as many benefits from the divorce as possible. So why would any nearly-divorced person go to a divorce attorney in hopes of fixing their marraige? Beats me.
My advice to anyone struggling in their marriage is to make an appointment to visit a professional counselor or a marriage and family therapist. The core reason why I suggest this is because in general, counselors and therapists are people who deeply want to see marriages and families restored rather than torn apart. If I am looking for someone to help me fix my car, then it is far wiser to get help from an individual who actually believes that cars can be fixed, right? Of course. The same is true with marriage. Do not go for help to someone who believes that marriages should end easily and for any reason at all. Go instead to a professional who is trained in giving you wisdom about ways to make your relationship work.
A divorce attorney is great for people who are sure that divorce is the option they are choosing. If, however, you are still unsure of your options and if you are still hoping for healing in your marriage, then a divorce attorney is the last person you should see.
Your Questions About Weight Loss
Your Questions About Weight Loss
Your Questions About Saving Energy Quotes
do you guys know anymore? :D
examples:
"I'm not shy, I'm holding back my awesomeness so i don't intimidate you"
"Im not lazy, I'm on energy saving mode"
"I'm not weird I'm limited edition"WaysToSaveEnergy answers:"You wanna know how to keep an idiot, in suspense? I'll tell ya, - NEXT WEEK!"Betty asks…So does this mean that energy saving doesn't make any difference?Is this is
Your Questions About Saving Energy Quotes
do you guys know anymore? :D
examples:
"I'm not shy, I'm holding back my awesomeness so i don't intimidate you"
"Im not lazy, I'm on energy saving mode"
"I'm not weird I'm limited edition"WaysToSaveEnergy answers:"You wanna know how to keep an idiot, in suspense? I'll tell ya, - NEXT WEEK!"Betty asks…So does this mean that energy saving doesn't make any difference?Is this is
Simple Bank Accounts Looked At
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Understanding Land Investment For Generating Income
Many investors by raw land and rent it to another investor who builds an improvement on the land. This is called ground leasing and this type of land investment can be very lucrative. For example you may own a piece of land at a very popular intersection. Currently this parcel is doing nothing but costing you property tax so you would like to earn some income from it but you don't want to sell.
Drugstores, fast food chains in any number of companies will rent your land for 20 years, pay to build their buildings and in the end you will have the land and the building. Developers also utilize ground leases, while they would prefer to buy the real estate; prime land in a good location may not be available. Developers to not make any money unless they develop so they're often forced to ground lease to stay in business.
If there are a few pieces of land in prime locations that are available for your land investment consider the following before jumping into the deal.
* Find an expert attorney. Do not rely on your real estate broker to keep you apprised of all the nuances involved.
* You only want property that is zoned for your anticipated use. Do not buy property based on anyone's word that you will be able to rezone it once you buy. Rezoning can take months and by that time your prospective tenant has moved on. Many land investment deals have been left on the table due to zoning conflicts.
* Determine if the land is buildable. A lot that is 40 feet wide by 40 feet deep but with local laws prohibiting buildings within 25 feet of the property line is un-buildable. Also if the land is a mosh pit and unable to support structures without additional work it will be difficult to find a developer to lease to.
* Are utilities close by? If the land is in the middle of nowhere without access to storm and sanitary sewers it will be very expensive for someone to build on your property and you may not see any returns on your land investment.
When you find the perfect piece of land and a prospective tenant, always use an experienced ground lease broker to negotiate your transaction. You should also become well-versed in commercial ground leases and land investment deals. You will still need your broker and attorney but by being a more knowledgeable investor and asking the right questions you can save money by utilizing your professional's time wisely.
Your Questions About Energy Tips For Spring
well, Ive got a girl problem =P
Theres a girl I like a lot, and she happens to be one of these psy vampires, or at least I'm pretty sure. I'm an a empath and pretty good at feeling mine and others energy. so here's how it goes.
sometimes we'll be hanging around playing video games or
Your Questions About Energy Tips For Spring
well, Ive got a girl problem =P
Theres a girl I like a lot, and she happens to be one of these psy vampires, or at least I'm pretty sure. I'm an a empath and pretty good at feeling mine and others energy. so here's how it goes.
sometimes we'll be hanging around playing video games or
Personal Financial Advice
Want some personal financial advice? Get you finances under control so you can live a better life and finally see the future in a decent light. Too many people only react to the things that happen in their lives, very few are proactive. Reacting to the things that happen to you only means that things will keep happening to you, you will never make yourself a success by reacting.
By being proactive, you can see the obstacles before they become obstacles. You can nip the bad things that come along in the bud before they become worse things. Being proactive and setting a budget you can live with and getting yourself out of debt can help decrease the stress life brings with it and help lower your blood pressure as well.
My personal financial advice to you includes setting up goals and mapping out a way to get them accomplished. One by one you should start at the smallest and work toward the biggest. When one gets gone then put that money toward the next smallest all up until you get to the biggest and then they will all be gone and you will wonder what the heck you were waiting for.
There is no better feeling in the world than getting yourself out of debt and knowing that you will never owe anyone any more money, ever. I know what this feels like because I have done it. My husband and I were about $25,000 in debt and with diligence and perseverance I did just what I have outlined for you.
I put most of the money toward the smallest bill, all while keeping up the minimum payments on the other bills, too. I paid one off and then put that payment toward the next smallest bill. On and on until the last payment of the last bill was right there in my fingertips and when I sent that payment off and knew for a fact I had done it I stood in the middle of the kitchen and did my version of the happy dance.
No matter where you are in your financial life you should still remember to put some money away in savings. This should be your emergency fund and it should equal at least 3 months salary. This way if something happens to you or your spouse and you can not continue to work then at least you have some to fall back on. Three months is the minimum amount. I know of one person I am acquainted with who needs to have surgery and is trying to save up at least six months living expenses. I wish him well.
One way to achieve this emergency fund is to put all your money into a high-interest savings account where you accrue quite a bit of interest on the balance. Do not ever touch this amount until you really need it. Use it for whatever emergency situation comes up but always, always, always replenish what was used. This is very important personal financial advice for you to take into consideration.
Be Careful When Taking Financial Planning Advice - The Wrong Advice Could Be Drastic
Organizing and planning your finances is a very stressful part of life and if you aren’t financially minded it can be quite confusing. When you are planning for the future financially it can be helpful to find a qualified advisor to help. It is difficult to learn everything on your own as there are just so many options and products available that can help you to reach your financial goals.
A professional financial advisor can help you to plan your future and stay in touch to help you reach your goals, but you do need to be careful when choosing an advisor. There are some very good financial advisors out there but unfortunately there are also some bad ones. Some advisors are mainly interested in making a commission and not really concerned about what is best for you.
When you are considering investments you also need to realize that any type of investment has some risk involved and even the best financial planner may not be able to guarantee with any degree of certainty whether an investment will pay off. If you are looking at investing in the stock market, a good financial planner will let you know of the risks involved. The stock market fluctuates quite a bit and you can have big profits one week and lose money the next. Although it is sometimes the luck of the draw, a good stock investor can study the movements of the market and will often be able to predict movements to a degree.
Many financial advisors work on a commission basis and may only get paid when they make a sale. This doesn’t necessarily make them bad advisors; most of them will still offer good advice. But there are some that will recommend products solely because they will get a higher commission on the sale. So you always need to listen to their advice but think about whether this product or service is going to benefit you or benefit them.
It can be helpful to ask the financial advisor what methods of investment he uses himself. Let’s face it; if he can make money with a certain investment then you should be able to make money with it. If he can’t make money with the investment advice he is giving you then why would you want to try it? Is the investment advice he is giving you good enough for him to use it himself?
A good financial planner will sit down with you and give you some different options. He will explain them to you and tell you all the pros and cons of each one. He won’t try to push just one product on you, but will give you some choices and from those choices he will work with you to determine which one will best suit your needs.
You want a financial advisor that is giving you good advice and not just selling you a product. Yes that advice may lead to you purchasing a product or their service, but that’s fine as long as the advice they are giving you is good, solid advice. You can often tell when an advisor is talking to you whether the advice they are giving sounds genuine or whether it sounds like they are making a sales pitch.
Your future is what is important and you don’t want to just trust anyone with it. Remember that a financial planner is working for you so you have every right to ask as many questions as you want so you can decide whether this is the planner that you want working for you. Treat it like an interview if you like and determine whether he is good enough for the job. Finances can be confusing and you want someone that will help you to not only create a financial goal, but to help you understand what is involved with reaching that goal.
A good financial planner will help you achieve a good financial future!
Your Questions About Energy Tips For Schools
Your Questions About Energy Tips For Schools
The reason behind why having a negative credit rating does not mean your funding options are in short supply
Love Cards Relationship Readings
A Love Cards Reading Is A Remarkable Tool For Understanding Your Relationships With The People You Love!
Check it out!
SPCA International Announces Success in Largest Sterilization Campaign Ever Held By Spay Panama
NEW YORK--(BUSINESS WIRE)--SPCA International and Spay Panama announce their 4-day effort to spay and neuter 1000 animals - in conjunction with World Animal Day - was a huge success.
Thanks to countless hours donated by over 50 volunteers and veterinarians and funded by the SPCAI grant award of $22,000, the massive effort to spay and neuter more than 1000 pets succeeded. Spay Panama developed a mobile sterilization
Friday, 25 November 2011
Your Questions About Solar Panels
Your Questions About Solar Panels
Are You Prepared For Your Child Custody Hearing?
The court plays a significant role in determining what is in the ‘best interests’ of your child. The court considers all aspects including physical, educational, spiritual, emotional as well as preferential requirements of a child, so it makes a study of homes of both parents, along with schools, location, neighborhoods and facilities, before making a decision on custody.
Although the courts have the best interests in mind, there can’t be anyone more important in making the best decision for their children than parents. Parents should try and settle their Child Custody issues outside the courts. A custody decision arrived on your own with two agreeing parents is more desirable than the one which is disputed a determined by the court.
Preparing for the Child Custody trial, you should possess certain documents and information related to your children, which will help determine the best interests of your child. It is better if you maintained a record of your children’s life about events which affect them, like visiting with the other parent, grandparents, doctor’s appointment, school activities, family and religious activities, medical appointments and counseling dates, etc. You should support your position, by keeping notes with you regarding,
1) Parent’s Home: This factors determines whether you can provide good surroundings and adequate shelter for your children, the size of the house, neighborhood, availability of help and babysitters, hospitals, bathrooms, bedrooms, etc. play a significant role in determining the best one for the child. Though not an important point, it does help make a good impression.
2) New Relationships: This is a comparatively irrelevant factor in determining Child Custody cases, the court will consider this factor if only the relationship makes any impact on the child’s well being. If the new relationship does not play any important relationship then this point will not be relevant to determination of Child custody.
3) Status Quo: It is an important factor in determining custody case, if a child’s parents reside in different districts, it in unlikely that the court will order to change the residence during the academic year, especially if the child is being properly brought up. If you want a change in status quo, you will be required to furnish a strong reason for this. A good example would be an issue with the current conditions unsafe for the child.
4) Child’s Preference: A child’s preference is not considered by the court since the court will not give a child to make a decision for himself, however this might not be the case if the child happens to be a teenager and possess enough power to think and evaluate position.
5) Parent’s Availability: Full time parenting has an advantage over working full time for supporting oneself. However, the court might not deter from giving you the custody only because you need to work to support yourself and your child.
These are just a few things to consider while preparing for your Child Custody case.
Your Questions About Save Energy Now
I realise that the differences in speed/acceleration involved would be marginal, but with the energy needed to move the hundred tons plus of just an
Your Questions About Save Energy Now
I realise that the differences in speed/acceleration involved would be marginal, but with the energy needed to move the hundred tons plus of just an
Your Questions About Weight Loss Supplements
Thank you kindly for answering. I appreciate you all.ItIsAllHere answers:Theyre ripoffs... And
Your Questions About Weight Loss Supplements
Thank you kindly for answering. I appreciate you all.ItIsAllHere answers:Theyre ripoffs... And
Your Questions About Saving Energy Articles
1. How much energy can you save if you switch the lights off for 1 hour, and how much money would you save? (on average)
2. How much water does a daily 20 minute shower use on average?
3. How much energy/electricity does a 10-minute hair straightening
Your Questions About Saving Energy Articles
1. How much energy can you save if you switch the lights off for 1 hour, and how much money would you save? (on average)
2. How much water does a daily 20 minute shower use on average?
3. How much energy/electricity does a 10-minute hair straightening
Identity Theft And Fraud - Yes It Can Happen To You
Identity theft and fraud are always a concern but during the holiday season it is even more so. Identity thieves absolutely love this time of year. They can steal identities almost at will because people become so complacent and do not try to protect themselves the way they should. Many people suffer from the 'It can't happen to me' syndrome. That is, until it does happen to them.
Then they cannot enjoy the holidays because they have had their identity stolen and have to deal with calling credit card companies and credit bureaus and lawyers and goodness only knows who else to try to fix the problem. It can take years to unravel an identity theft problem. Save yourself a lot of BS and protect yourself right from the get go.
Don't think that it is only credit cards and numbers that can be stolen either. Identity thieves can get your sensitive information by hacking into your computer. Don't think it can't be done. If you can think it up, it probably already has been done. Identity thieves are always looking for new ways to get at sensitive information whether it is going through your trash, your pocketbook, your mail or your computer, no area of your life is untouchable and you should very well keep that in mind.
Everything you do is traceable and subject to identity theft and fraud. There is someone out there who knows you better than you do and frankly if you do not protect yourself from identity theft, yours will be stolen someday, I can guarantee it.
I can hear it now, "Yeah, but my credit is in the dumps. No one in their right mind would want to steal my identity, they could never get anywhere with it." Well, that very well may be but, would it surprise you to know that your identity may have already been stolen? Illegal aliens come into this country and buy 'new identities' and then are able to get a driver's license, a new social security card and credit cards. Where do you think they get these 'new identities'? Someone stole yours!
As long as these illegals continue to live under the radar, pay their bills on time and don't get greedy you will probably never know your identity is being used by someone else. Don't kid yourself, nothing is private anymore.
There are all kinds of scams out there. Never respond to an email that asks for your sensitive information. Any company out there worth their salt will not ask for your sensitive information in an email. The only people who will ask for your sensitive information in an email are the ones who are up to no good and will send your credit rating straight down the tubes.
So when you are shopping online and you have to enter your credit card information make sure the sites you are on are secure and don't give out your information or make it easy for identity theft and fraud to take place.