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
Calculator ForTax Refund
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