Collaborative Divorce – A New Team Member
There is a new member on the Collaborative divorce team. A career coach is becoming an invaluable asset in collabortive divorce negotioations. Quite a few women have put aside their work aspirations to raise a family and have been out of the job market for awhile. A career coach may be brought in to help these women determine their strengths and weaknesses and develop a plan of action. An intial assessment of skills and interest is performed and then the woman and career coach investigate potential jobs and career paths. It may be that the woman has developed different interest areas and accomplishments from her previous jobs and requires some vocational guidence during and post-divorce. The career coach can assist with concrete tasks, such as helping to write a resume and check job wanted ads. Another function is to provide reassurance and support for the spouse who is now hunting for a job. An additional reason that a career coach is brought onboard is to help determine alimony and child support during collaborative divorce negotiations. These are determined by the earning potential of both spouses. If one spouse has to go back to school or training to update her skills or license, then the career coach can point this out for a fairer alimony/child support settlement. In an acrimonious divorce, the career coach is a neutral person who can help set alimony/child support in an impartial manner.
How to pay off your mortgage
Tips on paying off your mortgage quickly 1. Have your mortgage automatically withdrawn form your bank account with a set addtional amount to go to the principle itself. For example, I doubled my mortgage amount with the other half going directly to my principle. 2. Put ALL extra dividends, bonuses, tax refunds, inheritance, etc directly to your principle. Make out a mortgage slip and send that in as an extra payment to your principle. It doesn’t matter if they are small amounts as long as they are clearly marked “principle”. If you get large sums of money sporadically, such as artists do after shows or when paintings sell, put a good chunk of that to the principle. I am friends with an artist family and they blow big chunks of money on frivolous items, but moan about their mortgage. Any extra money that comes in, that is not your salary, put towards the principle. 3. Check your mortgage policy. Is there a prepayment penalty? If so, see if you can have that mortgage transferred to another institution, which doesn’t have such restrictions. Maybe you can have your mortgage loan refinanced at a lower rate. Your monthly loan payment can be reduced if you put a certain amount down on your mortgage. For example if I put at least $5000.00 down, with a small fee, my loan payment was recalculated and my monthly payment became less. 4. Some people are putting large amounts of money into their savings accounts and investments, which don’t accrue the same amount of interest, as the interest owed with a mortgage. For example, last year I paid $1648.00 in interest with my mortgage, but did not earn any where near that with my small savings and investments. I pulled money out of my small investments, sold…
Ten Top Travel Tips
Here are great tips from a frequent traveler: 1. Save, don’t throw away, your holey underware and socks. Add to it, pants, dresses etc that are on their last wearings. Clothes that aren’t to your liking, or were given to you by an ex, could be included in this mix. Take these on your upcoming trip and leave them or throw them away as you wear them. Just think, you’ll have almost a whole suitcase available for souvineers and presents. If you leave clothes behind in a hotel room, make sure to leave a note to the maid, that they are unwanted. 2. Book trips way ahead of time, even by a year, to take advantage of great prices. For example, Viking River Cruises has 2 for the price of 1 deals. 3. Book another trip while onboard. You usually can change the date or destination later, but keep the 5% to 10% discount. 3. Get past cruiser discounts or a night free in a hotel, by sticking with the same cruise lines, hotels, or airlines/partners. There are big savings in loyalty programs. 4.Save your small containers, such as eye cream or lip balm ones. Put sunscreen, hair conditioner, etc in them for your small allotment for carryons. Remember to use your children’s pint bag liquid allowance for airplane carry ons and load them up with your extra lotions and potions. I especially use their liquid allotment on the return trips, when I bring back bodycare presents for friends 5. A great travel agent is invaluable, particularly if you are in a disaster on the way home and need assistance. Agents also can sometimes get upgrades and added bonuses, that you can’t. They can get cheaper prices, because they are experts and know how to get travel services in cost-cutting…
Travel Tips
It’s better to start packing for your next trip right after you get back, rather than waiting to do so right before your next one. If you need a new travel size deodorant or toothpaste, get them right away and pack in your carry-on. Wash your make up brushes upon return and when dry, pack them in your cosmetic bag. This way, if you have a family emergency, you’re good to go. I keep small containers on hand, so I can fill them up quickly. Save money, by recycling clean small containers, that used to contain your eye cream or lip balm. I also stash samples and the small cosmetic freebies from magazines, in one place and take them along on journeys. Airport security allows the blunt tip baby nail scissors to be taken in a carry-on bag. They are great for cutting open samples or foil pouches of facial creams. I also cut off the bottom of tubes, to get every last bit of ointment or cream, while on the road. I have a bin where my holey underwear and socks go, plus any clothes that have a few more wearings. Then I can throw away or leave the clothes enroute, to make room for new purchases. I went to Egypt with one small, carry-on suitcase and managed to have room for a lot of souvenirs and gifts. When I leave clothes behind, I put a note on top of them in the hotel, that I am done wit them. I keep an extra comb, travel tooth brush and disposible razor in my carry-on bag, so don’t have to remember to pack these before a trip. You may want to have a space in your closet for a nightgown and several travel dresses or outfits. Yes, I’m wearing…
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