Category: Free Articles

When it comes to the divorce you have every right to think about the mortgage. If you don’t think that you’d be able to pay the mortgage of the home, then you should not go for the house. If you want out of the mortgage you may have some trouble. When it comes to the house every state has a different law that pertains to community property. In fact, some states are known as non community property states, where they believe that someone always owns everything; it’s just a matter of determining who.

When it comes to the lenders, they aren’t going to be happy having to redo the mortgage of your home. However, even if you are in the middle of the divorce, the mortgage payment still needs to be paid. In fact, it is up to the creditor to allow you to get off the mortgage or keep you on. If your wife or husband can not get the loan by themselves, then you are more than likely going to have to make sure that the mortgage is paid regardless if you life there are not. This can really mess up someone’s credit.

If you want to get out of the divorce without the mortgage, you are going to have to think about a few things. You are going to either ask your spouse to buy it out, or you will have to ask them to sell. Depending on the state and your circumstances, you may have to sell the house regardless. If the other person cannot find a co-signer than they will be forced to give up the home. This is one of the easiest ways to get out of a mortgage, however, the laws vary from states and you may have difficulty splitting the assets 50-50. Remember, if you place your house up for sale, you still have to pay the mortgage until the day it is signed over to a new couple or person. This is because you are still the legal owner of the home and it has to be sent by someone.

If you are worried about your credit rating you will have to do some work or investigation because you enter the divorce process. You will need to know what credit cards that you two have and the balances on each. Not only do you have to worry about the liabilities that you two have racked up during the marriage, you have to think about all the money that you have saved on account. You may end up having to repaying your spouse from the account and pay for your credit debt.

When you file for divorce you will want to close all joint accounts. Make sure that everyone knows that it was by request, not because of other circumstances. You will want them to note that so that it shows up on your credit report and has nothing to do with your credit when you go and apply for credit.

Some people will run up he bills and then make some payments late to screw the other person in the divorce, but that is ridiculous. If you try to screw up their credit, your credit is going down too. So why bother playing such games when it’s just going to cost you more in the end.

Also, make sure that you have a copy of your credit report so that you can keep notes of the changes in your rating. This way you can’t get in trouble if your mate tries to play the credit game and starts buying things with your name and then not paying for it.

A rising number of business people are finding the mind-body connection.

Yoga, meditation, and other Eastern-born exercises are finding a growing audience among harried business people craving inner calm. Classes are offered at health clubs, company fitness centers, corporate retreats and spas.

Ideas that once were left-of-center are finding greater acceptance with the public support. Mind-body executive fitness is a hot topic right now.

Lynn Doody, owner of Zen Fitness wellness programs in Chicago, notes that, whereas in the past most of her clients pursued traditional cardiovascular and weight-training exercise, most now incorporate mind-body applications into the regimen.

There’s just a general awareness, and non-conventional health care is a little more available.

No need to convince Mark Frantz. The 40-year-old vice-president at Merrill Lynch & Co. had learned in 15 years of trading commodities to manage stress and anxiety. He ran a few times a week, worked out at the gym, and worked at reducing stress in other conventional ways.

But he still ground his teeth at night, massages were temporary Band-Aids, and even while running he’d tense his muscles. He wanted more. He sought ”a different quality of life.”

What he found was yoga and meditation. At home, on an airplane, or for 10 minutes behind closed doors at work, Mr. Frantz can shut out distractions with deep breathing, yoga poses, imagery and other relaxation techniques.

He still runs, but ‘(yoga and meditation) forces you to focus on what’s going on in the moment and to be aware of what your body is telling you. It relaxes you, brings your heart rate and your blood pressure down.

Okay, so you have just gone through one of the most painful times of your life, what do you do now? Well the grieving is over. You need to get out of your gloom and move on. You have been given an opportunity to rebuild your life. You have found yourself suddenly single, but you don’t realize just how much you have. You may see your life as shattered, but you should look at it as a clean slate. You need to get back in with the crowd and mingle like you never skipped a beat.

The first step to getting over a divorce is to make subtle changes. The first thing that a woman will change about her is her hair. Hair is special to women. When you feel like you have gone through a change, you feel the need to change your hair because it represents whom you are. Then you should head straight to the mall and purchase some outfits. You are no longer married, and nor should you look like it. You can wear the tighter shirts and the shorter skirts. You do not have to go from conventional to streetwalker, but if you spice up your wardrobe you will feel better about yourself. When you wear things that are beautiful, you will feel beautiful. You will feel so much about the way that you look.

You should wear colors that you normally would not wear. You should purchase things that seem out of your style just to find yourself. Maybe you already know who you are, and that’s great. You didn’t allow yourself to be dragged down by the divorce. However, you maybe a little confused. You may not know exactly what you want from life and for your future. That is okay to be a little confused about things. However, if you go out and you purchase something that your mate would not have liked, you will suddenly feel better about yourself.

Go to the mall and purchase a fancy dress and go to a place that you wouldn’t normally go with your ex. It may be the opera, a play, dinner, and so on. You will be able to experience something new or do something that you love and you will look good too. Being single is not that bad. You can be whomever you want and wear whatever you want. You have so much freedom. You should take advantage of purchasing clothes without having to have a talk with your partner. Your money is now your money to do whatever you would like.

Regardless of age, if you begin to date sooner than later you will be able to get over the divorce quickly. You don’t need the emphasis on commitment or even sex. All you need is to get back in the game. Go out to dinner. This way you aren’t at home mopping and you may even find someone who is fun to be with and that will show you how to love again. You do not need to have an expectation about anyone, but you never know where Mr. Right maybe. You should never rush into a committed relationship right after you have gone through a divorce. If you do, them you may be setting yourself up for more pain, however if you just purchase an outfit and have a casual night on the town, you will find that moving is a lot easier than you thought it would be.

So get up, put on that new sundress and have a great day enjoying life. With subtle changes of style, love, laugher, and fun can be just around the corner.

So what happens to the pets when it comes to the divorce? Some care so much about their animals that it could be devastating when the lawyers speak of them like property. The value of the pets that we place in our hearts can sometimes be hard when it comes to being apart. If you are in the battle of your lifetime and your mate wants to fight dirty, they can go for custody of the pets.

They use the pets like leverage, much like children. The key to making out like a bandit in a divorce is to found what one person wants and then act like you need it or want it more. Usually the courts will give pets to the one who is more passionate or emotionally attached, which can be easily faked. Ex’s go for the pets because they want to hurt you as much as possible. If you have any children or pets in a marriage you are more than likely to have an ugly divorce.

Like the children, the courts will ask themselves what is best for the pet. If your spouse gets the home and the yard, more likely they’ll get the dog. If the pet only knows that one home, they are more likely to get the pet because they have an emotional attachment to their secured home. However, some judges will go on the fact of who had the dog first. If you gave it to your girlfriend and then over the years became attached it, the attachment doesn’t matter. Sometimes they look at pets like property. Who has the right it property? Well, the answer is, the one who owns it. They will not share the pet. This is because it’s actually unhealthy for the dog. The dog will become confused easily and they won’t have their security and may develop some emotional or aggressive behaviors.

Most of the time, the wife got the kids, the house, and the pets. This is because they feel that the children need the house as security and the family pet needs the children for security as well, so they all go together. This is one issue that has been addressed over the years, and the father has gotten all three.

If the judge can’t think about the pet’s interest, maybe you or your spouse should start acting properly in the divorce and instead of trying to get it all, give up the things you really don’t want. If you don’t like the dog, don’t take the dog. If you don’t the cat, don’t ask for it. Don’t fight over something that is just going to hurt you both in the long run.

However, there are people who lose their pet and need to rebuild their life with a new one. There is always going to be hurt feelings about losing the original pet, but getting another one will help you deal with the loss, it won’t replace the animal, but it will allow you to begin the process of moving on and letting go. You may need some time to think things over.

It’s hard to replace a pet that you were so close to. It’s like losing a child or best friend. However, if you get another pet, not just another dog or cat, but any type of pet that will comfort you and be there for you then the divorce will be a lot easier to cope with. If you are thinking about a new pet, you should go to the shelters. They have animals that have been rejected and hurt and they will bond with you. You are more likely to bond with them because you can understand their situation. You may find that a pet from the shelter will be exactly what you need.

Mr. La Forge (Yoga Trainer) suspects that because the mind-body exercises typically are easier to pursue, executives have a better chance of making a lifetime habit of them. To see if his hunch is correct, he launched a five-year study of 110 middle- and upper-level executives in companies in the US. He tracks their exercise habits and see if those incorporating mind-body techniques stick with the program longer.

Devotees say the mind-body exercise regimen has a payoff in the workplace, as well.

Barry Moltz, 36, founder and CEO of CHTech International., a mail-order distributor of computer hardware and software, started doing Yoga a year ago at the to balance the pressures of growing a business with starting a family. He still works out in a gym and commutes to work on his bicycle, but he also meditates in the half-lotus position for 15 or 20 minutes at night after his two young children have gone to sleep.

He says most of his friends, also in their mid-30s, have jumped on similar mind-body fitness tracks.

”I think the toughest part about running a company is that there are so many demands on your time. When I meditate, it really allows me to relax and focus all my energies in one place,” he says. ”Now when I’m involved in a meeting, I can be immersed in that meeting instead of thinking about 15 other things. And people really respond when you’re totally focused on just them.”

The pressures of the job say you shouldn’t be satisfied where you are today. You can never feel like you’ve achieved anything because it’s very elusive. Yoga and meditation allows you to be happier and more effective in what you’re doing now.

Geilo in Norway stands 800 metres high, and has one of the highest ski lifts in the world, stretching 3,887 feet. Geilo is positioned three and a half hours from the capital city, whilst having good road and rail links to the village. Set amidst amazing scenery just off the banks of Fjord, Geilo is at the heart of Norway’s “Winter Wonderland”. Maintaining its reputation as an excellent family resort, Geilo has seen visitors from Europe and beyond since early 1900s. Geilo remains unspoilt, with true Norwegian character firmly intact.

With more than just skiing facilities Geilo is home to the 4 star Highland Hotel, as well as numerous lodging houses, and the famous Holms Ski Bar. Although primarily a ski resort Geilo also offers sleigh rides, wildlife adventure tours, ski orienteering, tobogganing, snow shoe walking, dog-sledging, kite-skiing, night-skiing, snowboarding, freestyle snowboarding and much more.

Geilo’s reputation as one the worlds top skiing resorts lies mainly in its ability to cater for family vacations. With over 10,000 families visiting the slopes each year, Geilo also offers excellent tuition in packages it refers to as the “Family Starter Pack”. This involves tuition for your entire family for the equivalent of $200 a day. This means, that not only can your whole family learn together, but is also means that families with no skiing experience, can go along and after the first day, they will be able to ski on their own.

Geilo has also increased its reputation amongst Snowboarders in recent years beating off Lillehammer, Voss and Hemsedal in its bid to host the Norwegian Snowboarding Championship. With four sides of mountain each dedicated to snowboarding and skiing, Geilo is now able to call itself Norway’s first skiing location to offer 5 runs dedicated to snowboarding. With 110 runs in total, Geilo has 14% expert allowing experienced skiers to enjoy themselves on the slopes, whilst maintaining the rest of its facilities for intermediates and beginners that account for a larger number of their yearly visitors.

Geilo also offers exceptional value for money with weekly family packages starting from $1000 including accommodation, bed and breakfast. The element that stands out the most about Geilo is the way it caters for families, with crèches, family diners, and especially their Christmas bonanza which includes Santa visiting the slopes with his reindeer on Christmas day, and the time leading up to christmas. Geilo never fails to be fully booked for Christmas, with so many families choosing to bring their children along to experience Christmas within this winter wonderland.

Although Geilo offers amazing family packages, it would be unfair to say that Geilo is limited to family vacations. Geilo has hosted very serious world sporting events, as well as being the training ground of the national snowboarding and skiing teams. Geilo is available from August/September all the way through to late March and is also considering investing in “Avalanche Technology” which generates snow from water to provide 24/365 skiing. If you have never been to Geilo then I would recommend that you give it a go, although the family image may put certain people off visiting the slope I would suggest that checking it out is the best thing to do. From their website it is clear to see that consistent snowfall, and a good variation in the difficulty of runs, Geilo is a facility that can genuinely cater for everyone; from beginner to professional.

It has many great options for accommodation, and with good travel links as well their really is no excuse for not hoping on a plane and going to Geilo today. With thousands of people on the slopes, from different countries and different backgrounds Geilo is suitable for families and teenagers alike. With individual price plans starting from $350 a week, and well-known DJs playing at local club venues Geilo is also becoming very popular amongst those teenagers who would have previously seen Ibiza as the only place to be seen on holiday.

PPPPP

Word Count 665

Many hosts spend a great amount of time planning the food and cocktails for their New Years Eve party and do not give as much consideration to the type of entertainment they plan to have at their New Years Eve party. This is unfortunately because New Years Eve parties offer a great opportunity to participate in some really fun games. New Years Eve parties tend to last longer than many other parties so traditional entertainment options such as dancing may not be enough to keep the guests entertained. One fun way to spice a New Years Eve party is by playing different games. This article will offer some fun ideas games to play at a New Years Eve party.

New Years Eve is a holiday which is synonymous with alcohol consumption. The popularity of alcohol consumption is the inspiration for one idea for a game to play on New Years Eve. You can play a game by giving each person a word which is likely to come up in casual conversation and writing that word on a nametag for each person to wear during the evening. Guests are required to carry a shot of a vodka at all times and if another guests catches them saying the word on their nametag they have to take their shot and then pick up another shot to carry in case they are caught again. This game is fun because it encourages guests to mingle as they attempt to think up ways to get other guests to try to say their word. The game can be made more difficult by placing the name tag on each person’s back so they cannot see the word but other guests can. This means the guest not only has to try to avoid saying the word but also has to figure out what the word is. When playing this game, care should be taken to avoid the game being the cause of the guest becoming inebriated. One way to do this is to put a limit on the number of shots a person can consume. They can take the sticker off once they reach their limit and the last person with a sticker is declared the winner and may be awarded a surprise.

Games which involve dancing are also very popular on New Years Eve. One game which is a lot of fun is similar to a game played by children. It involves periodically stopping the music while guests are dancing. Each time the music stops, the guests are supposed to freeze in one position. One person is designated as the judge and each time the music stops, the judge eliminates the last guest to freeze his position. The last guest remaining is declared the winner of the game.

A casino night is also very popular for a New Years Eve Party. The host can set up various tables for different games such as blackjack, Texas hold’em, keno and other popular card games. The host may also enlist guests to act as dealers at each of these tables. The hosts can either be dedicated for entire night or can rotate every couple of hours so all the guests have a chance to be both a player and a dealer. Giving each of the guests a set amount of poker chips can make the games even more fun, if you inform the guests they will be able to exchange their chips at the end of the evening for raffle tickets for a few prizes. This will encourage the guests to participate in the game and really try their best to win at the games.

The games listed above are rather original but depending on the size of the party, guests can also play standard board games. Trivial pursuit, monopoly and scrabble are popular options. These games can be played either as individuals or as teams. Additionally, they can be played once or in a tournament style. Games such as scrabble can even played with a holiday theme where guests are encouraged to use words which relate to New Years Eve.

PPPPP

Word count 690