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Article Check - Life After Divorce- Surviving Financially
The Federal Reserve has no immediate plans to stop raising interest rates. The real estate market is rapidly cooling and home values in some parts of the country are declining. How can you protect yourself financially from an economy in a tailspin? Here are tips to help safeguard your financial well-being.With the housing bubble poised to burst under the current administration, many homeowners, especially those with Adjustable Rate Mortgages, are concerned how the declining economy will affect their mortgage. If you are one of these homeowners, there is not much you can do to control the housing market; however, there are steps you can take to protect yourself from the Bush economy.The most important aspect of protecting yourself financially is to purchase a home within your financial means. Many homeowners used risky interest-only and option Adjustable Rate Mortgages to purcha
The concept of support and resistance is extremely interesting, and one which will help you considerably in the timing of your trading decisions. Yet it is a very simple concept to grasp. Support and resistance are basic tools used by traders to identify key reversal areas. As the names suggest support acts to keep the price above a certain level, whilst resistance acts to keep a share's price below a certain level. Drawing support and resistance lines on charts, allows us not only to determine where these levels are, but also to consider future price movement in relation to them. Oh and don't worry, all charting packages have the facility to draw lines on the screen.Firstly, let me try to explain how and why these levels arise. Imagine a price is moving up and then subsequently starts moving down again. At the turning point there will be many buyers trapped who did not sell before prices
Divorce is an inherently stressful process, even life after divorce can be. To alleviate some of the stress, it's important to be proactive and in control. Here are the "Lucky Seven" things you can do to help prepare yourself for your post-divorce financial future.
1. Expect your income to drop after the divorce is final.
Develop a budget based on needs, not wants. Keep in mind that your expenses need to stay within your post-divorce income. Consider all sources of income -- including spousal and child support, keeping in mind that they won't last forever -- as well as investment income. To develop a budget, use a detailed worksheet so you don't overlook any expenses. The best source for the expense information is your check register, if that's how you pay your bills. Remember that not all your expenses are paid monthly; some insurance premiums or tax bills m
Music lovers have already taken their music with them to their cell phone through music ring tones.From the time music ring tones were first introduced by cell phone manufacturers, the market made an instantaneous sale that reaches millions of dollars. Talk about making a runaway hit. With the people who just love listening to their favorite songs, it is no wonder why everyone want to have them as their ring tone.Getting music into ring tones was not an overnight task. Take note that there are still singer and producer rights that needed to be achieved first to be able to use their music. But then, all these artist were more than glad to have their music made into ring tones. And why not? There is no other better way of getting their music heard than having them ringing anytime a cell phone is used.The fact that every cell phone user has tried downloading one or two music rin
Divorce is an inherently stressful process, even life after divorce can be. To alleviate some of the stress, it's important to be proactive and in control. Here are the "Lucky Seven" things you can do to help prepare yourself for your post-divorce financial future.
1. Expect your income to drop after the divorce is final.
Develop a budget based on needs, not wants. Keep in mind that your expenses need to stay within your post-divorce income. Consider all sources of income -- including spousal and child support, keeping in mind that they won't last forever -- as well as investment income. To develop a budget, use a detailed worksheet so you don't overlook any expenses. The best source for the expense information is your check register, if that's how you pay your bills. Remember that not all your expenses are paid monthly; some insurance premiums or tax bills
My soapbox is just about worn out. I've been preaching the necessity of knowing your target audience for at least 10 years. "You can't write effectively to someone you don't know," is how my spiel would normally go. When one day someone asked me to show him what I was talking about. "I'm writing copy for computers," he said. "Everybody needs and can use a computer. How could a general product like that possibly have different target audiences?" I'll show you exactly how.Be Specific With Your DefinitionDon't ever begin an analysis of your target audience with the word "everybody." The people who fit into your target group are individuals. They certainly share common traits, needs and wants, but they are unique. When defining your customer base, and the segments within it, be as specific as possible.Senior CitizensIf we go back to the computer exa
1. Expect your income to drop after the divorce is final.
Develop a budget based on needs, not wants. Keep in mind that your expenses need to stay within your post-divorce income. Consider all sources of income -- including spousal and child support, keeping in mind that they won't last forever -- as well as investment income. To develop a budget, use a detailed worksheet so you don't overlook any expenses. The best source for the expense information is your check register, if that's how you pay your bills. Remember that not all your expenses are paid monthly; some insurance premiums or tax bills
You’re a bright, dynamic executive. You’ve been scheduled to give a major company presentation. You’re sitting in the audience waiting your turn to speak. You hear your name and start walking stiffly to the lectern.Suddenly you’re all alone and everyone is looking at you. You’re racked with symptoms of tension: Your hands are clammy, your knees feel wobbly, and your heart is pounding. You’ve developed a strange shortness of breath and your breakfast is staging an uprising. “If I can just get started,” you tell yourself, “everything will be fine.” So you open your mouth – and out comes a sound that is a cross between a squeaking balloon and a bad cough.Twenty minutes later, you heave a sigh of relief and say weakly “Well, that’s it I guess,” and stagger back to your seat. It’s over. It’s all a blank. You have no sense of satisfaction from a job well done. And you tell you
On August 27th, 1991 I was sent to the Middle East for what many witnessed as a developing crisis over those past few weeks. This looming confrontation known to many as Operation Desert Shield / Storm brought dramatic life changes; not just for world history, or nations, but for those individuals who were sent into the chaos of such circumstances. A group of men came together; living, loving, dying and remembering the process by which they were changed. Group ConsistencyDuring this period I was a member of a mechanized desert unit with the 24th Infantry Division, now currently named the Third I.D. of Ft. Stewart, Georgia. Although part of a large company of men, approx. 150 members; for the purpose of this paper my interaction specifies upon the personal interaction and experiences of my squad of ten men. This group is a closed military group with semi-heterogeneous structure, giving way
The last step in preparing a budget is to ask a reasonable and critical friend or family member to review your budget and challenge the expenses that seem unreasonable. You have to agree to keep an open mind and not to get mad if he/she challenges one of your items; remember that this person is trying to help you.
2. Consider whether you can afford to keep the house.
In many cases, one spouse -- usually the wife -- wants to keep the house. Though this might be extremely emotionally satisfying, it usually makes little or no financial sense. The equity in the house is illiquid, meaning it won't pay the bills. If it makes sense for one spouse to keep the house, that spouse should pre-qualify for a mortgage before the divorce is final. Sometimes, a divorcing couple will decide that one spouse is going to keep the house; they then take the other spouse's name off the deed
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