When Separation Isn’t Enough: Next Steps

There is an interesting statistic that the time period between a separation and the actual divorce is somewhere around 2.8 years. To some, this may seem like an incredibly long time, while others may see it as not being long enough. There are many reasons out there for delaying a divorce after a separation.

 

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Possible Reconciliation

Many couples look at a separation as a time for reflection on the marriage. One or both of them may be hoping for reconciliation and for the marriage to continue in a more satisfactory manner. Many couples engage in counseling during this time.

Not a Requirement

Some couples really do not feel the need to actually divorce. Some people think that the divorce is simply a legal procedure that doesn’t really mean much, that “it’s just a piece of paper.” This may be a satisfactory position to take until certain other legal situations take place. For instance, if one spouse decides to remarry, the lack of divorce papers will certainly stand in the way.

Too Busy

In today’s fast-paced world, many couples just decide that they just don’t have the time to deal with all the details that a divorce entails. They are involved in work, in raising children, and in other social activities, so filing those divorce papers is just too time-consuming. In addition, many couples think that they will be spending countless hours with attorneys and the courts—time they would rather spend elsewhere.

Negotiations

Divorcing couples often find themselves embroiled in settlement minutiae. This may be child custody, spousal support, and/or property and financial divisions. One party may also be dragging his or her feet during these settlement talks to either try to get more or pay less or just may be hoping for reconciliation. Consulting sites such as Total Divorce.com for legal advice can provide direction as to possible solutions.

Emotional Toll

Some people may be reluctant to actually file for divorce for a number of emotional reasons. It may be hard for a person to actually realize that he or she is now “divorced.” The term has, in the past, carried some negative connotations that have carried into the present day. There may also be familial, religious, or societal norms that will create a less-than-satisfactory life should a person divorce.

In the end, couples should look closely at their respective relationships—not only individually but also for the children should there be any. Is the current relationship a healthy one or is it creating unnecessary tension and stress? Make sure that just staying in a separation is best for everyone.

How to Keep Women Financially Smart

An increasing number of women are either solely or partly responsible for their household’s finances. Gone are the days when the husband is the sole financial decision maker. There is an increase in the average of single women households or divorced women who need to be financially smart for themselves and their families’ futures. So, how does a women stay financially smart?

Be Informed

Even if you aren’t solely responsible for your household’s financial decisions it is wise to still be informed. Know what money is going where. In the event that you need to take over the finances yourself, it is important to know what bills are due and when. Know where important financial documents such as life insurance policies are and how to access them.

Budget

Keeping track of a monthly, weekly or even a daily budget will tell you exactly how much is being spent and where. This will enable you to make sound financial decisions. If a decision is made to cut the budget, having a list of expenditures will help to decide where and how much to cut. If a decision is made to increase the household budget, the same is true.

A budget can be extremely important in deciding whether that new car is a good purchase or not.

In Case of Emergency

Emergencies do happen, but it is easy to be prepared. Simply save a certain amount of your income for emergencies. If your savings doesn’t cover the expense of a certain emergency, try cash loans from Plain Green Loans. These strategies can help out in a tight, unexpected financial pinch.

Invest

Investing is an important part of a women’s financial future. There are many options that are completely safe, such as U.S. Savings Bonds. There are more risky options as well, such as the New York Stock Exchange. Be sure to do your research before deciding what types of investment are in your best interest. Many employers provide investment counseling for employees who invest in an employer-provided retirement account. Take advantage of these types of services to educate yourself.

Credit

Your credit rating is very important, so build it wisely. Decide what will be financed through credit and how you can do it. Be sure to make any payments on time and in the right amount. Check your credit score yearly and dispute any wrong facts that may appear on your credit report.

Be financially smart. Do research and check facts to create a financially sound future for you and your family.

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How to Find an Affordable Apartment in Soutbend, Indiana

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When you get a great apartment, things seem a lot better. Not only do you have a nice place to stay, but the pressure of needing to be somewhere completely evaporates. Of course, not everyone can plunk down a small fortune on a place they don’t stay at very often. You’re on a budget and you need to stick to it. The following are some good ideas for finding a great apartment in the heartland without breaking the bank.

Check out online ads

A lot of the best South Bend apartments are listed online. Don’t be afraid to check out all kinds of different sites while you scope out the best deals. While you could simply pick a few good neighborhoods and drive around watching for signs, this is a long and arduous process that may or may not yield you anything affordable. You need to be careful to guard not just your money but also your time.

Stick to Your Guns — and Your Budget

No one else can tell you what the word “affordable” means to you. When all is said and done, you are the only person who can decide how much money you are willing to spend and what you want to get out of the deal. If you find a place that’s really great but the landlord won’t budge on the price, you have to be prepared to walk away. While it might be tempting to stretch just a little bit further, it’s too easy to overextend yourself when you get too liberal with your budget.

Know What You Want

A lot of people say that the more you know about what you want, the more likely you are to actually get it. This is one of the truest thoughts around, and you will find that knowing what you want will save you a lot of time and money. Often the negotiating process between two people continues with both sides making concessions and getting as much of what they actually want as possible. In this case, you have to negotiate with yourself, and decide what you really want in your apartment.

Pound the Pavement

Now that you’ve decided what you want, what your price range is and have a short list you’ve collected from the Net, it’s time to check them out. Never rent a place without checking it out first, no matter how great the pics looked or how low the listed price is.

South Bend is a fairly inexpensive place to live, but you should always be on the lookout for a great deal. The best searches start online and narrow down to a short list you can visit in-person. The best way to do this is to keep your eyes open, have a good mental picture of what you want and keep your budget firmly in mind, and you’ll probably do very well.

Women Rights When Facing Criminal Charges

Women in the American society are facing more than their fair share of stress. Charged with earning a living, yet still shouldering the majority of chores in the home and for the children, DUI arrests of women have risen 30-percent in the last decade. Many of the women charged with crimes are also victims of domestic abuse. To make matters even more complicated, these women often have children or are pregnant. Qualified legal representation for these women is critical.

Seek Legal Counsel Immediately

A lawyer is your best defense against criminal charges. If you don’t have enough money for an attorney, the law demands the court provide you with legal representation. When hiring your own lawyer, find one who is familiar with the local courts, judges and staff. For instance, if you are charged with a crime in the state of New York, you’ll need to find a NY Criminal Lawyer. Be sure the lawyer you hire has experience with the type of case you are facing. Some lawyers specialize in DUI charges and other specific crimes.

Women with Children

Having children is scary when you’re facing criminal charges. You will need someone to offer you and your kids support during the process. If you don’t have a supportive family or friends to help you, many shelters open their doors to troubled women and their children. Your lawyer might be aware of local help available to you and the children during this time of need. In the event you must serve jail time or a prison sentence, arrangements must be made for the kids to be in a safe environment. If family isn’t available, you’ll need to discuss with your lawyer what other options are available to you.

Pregnant Women

Pregnant women may be able to give temporary or permanent custody of the child to them after birth, in the event she is incarcerated. In addition to your lawyer, counselors and chaplains can advise you on the best course of action to protect your unborn child. A good attorney might be able to negotiate house arrest or another alternative with the courts.

Battered Women

Sometimes, domestic abuse leads to a woman being charged with crimes. If this is the case, don’t be embarrassed. Be honest with your lawyer about the circumstances. The lawyer will not judge you, and is obligated to keep these things a secret under client-attorney privilege. And the information may help your lawyer to mount a better defense on your behalf.

Learn about all your options before making these important decisions. Speak to your lawyer, trusted mentors, counselors and others who know the resources available to you. Once you’ve heard of all your options, you can better determine the right course of action.

Successful Asian American Women

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With a growing number of Asian Americans in the US, it is no surprise that there is also an increase in the successful Asian American women in the media. More than ever, we are seeing the development of diversity in popular media that not only caters to a wide range of audiences, but also includes actors from all ethnicities to meet those demands. Check out the list of women below who are inspiring girls everywhere.

1. Media Personalities: Musicians, TV Personalities, Actresses, and Comedians

Asian American women are becoming more prominent in the film and TV industry. New Yorker Lucy Liu is a name that is pretty recognizable; she starred in Charlie’s Angels alongside Cameron Diaz and Drew Barrymore as the third Angel in the group in addition to her role in Kill Bill. Fans of ABC’s hit series Lost will also recognize Yunjin Kim, born and raised in Seoul, South Korea, but immigrated to the States as a child. Kim is a first generation Asian American while Liu is considered second. Just like Liu and Kim, Hawaii-native Maggie Q, of the hit CW show Nikita, is also making her way into the hearts of fans as the secret female spy. Below is a list of other famous Asian American female celebrities:

  • Connie Chung, first Asian American newswoman
  • Kelly Hu, former Miss Teen USA and of X-Men fame
  • Lisa Ling, one of the hosts of the talk show, The View
  • Sandra Oh, Grey’s Anatomy
  • Margaret Cho, Korean American comedian

2. Fashion Designers & Models

Fashion is taking the world by storm, and so are Asian American designers. Detroit-native Anna Sui established her own eponymous fashion line, which has since expanded internationally. Her culturally inspired designs are able to deviate and reinvent itself time and time again, making them appealing to many types of audiences.

Other famous female Asian American designers include Vera Wang (Chinese), Doo-Ri Chung (Korean), Tyra Banks (Sri Lankan/African-American), and Kimora Lee Simmons (Japanese/Korean/African-American).

3. Athletes

Who can forget Kristi Yamaguchi gliding across the ice when she won the 1992 Olympic Championships for Ladies’ Singles? What about her fellow native Californian, Michelle Kwan? Both of these athletes blazed a trail for aspiring Asian American figure skaters, showing that passion, creativity, and elegance can transcend any racial stereotypes. For a decade, Michelle Kwan was one of America’s favorite female athletes and widely considered to be one of the greatest figure skaters of all time.

Other notable famous Asian American female athletes include Michelle Wie (golf), Amy Chow (gymnastics), Jeanette Lee (billiards) and Grace Park (golf).

Asian American women are becoming leaders in the Asian American community. As such, they serve as powerful role models for young Asian American girls who are lacking women to look up to. These successful women are only a handful of Asian Americans who are starting to change the perception of Asian Amercans in the media and with it, how Asian Americans define themselves as well.

Where to Find Non-Market Apps for Young Women

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Young women have their own interests and specific challenges to face on their way to becoming older, more mature women. Life is full of wonder, but it’s also full of surprises, some not so nice. Discover where to find non-market apps for young women to help them prepare to face the difficult, sometimes tedious, journey ahead.

Non-Market Apps

You may shop the Droid store endlessly for certain apps to download on your Android, and you’ll still only be viewing about half of all the extras that are available for your smartphone. Many non-market, third-party apps will add a lot of fun and function to your phone. When you know where to find them, you’ll broaden your app-hunting base and get access to an entire world of possibility.

Apps for Young Women

Before marriage, before children, before life’s responsibilities bring wisdom, young women experience a unique slice of life they are not likely to revisit. Why not safely get the most out of it with the right apps for young women?

  • Circle 6 is expressly designed for college-aged women. The app works as a safety net to prevent violence against young women and keep them safe while they’re dating and interacting with romantic interests. Use the app’s features to reach out to friends, send help messages and even allow them to track you through GPS. Circle 6 is perfect for young women who might be out partying with friends, drinking at the bar or dating a stranger — something most young women do. Usually, these situations are perfectly safe… but sometimes they aren’t.
  • Young women will enjoy life’s lighter side with fun fashion apps. The Super Model Empire app is a free dress-up game filled with designer fashions, models, photo shoots and a full storyline that puts players right in the middle of the fashion industry. Download Roiworld: Fashion Fix Lite — another free app — to avoid making any fashion faux pas. The app allows women to access fashion “rules” as they play, so it’s a real fashion learning experience.
  • The iP app, also known as iPeriod, helps young women keep track of their cycles. The app is password-protected, allowing women to avoid embarrassment, and has a built-in calendar that helps them stay prepared for their monthly cycles. The email notification will send warnings of upcoming or late periods. Women who want to delve deeper into the app will find fertility and ovulation stats that will help them get pregnant if they’re trying to plan a family.

Where to Find Apps

Non-market Android apps on Technofied.net and other websites will point you quickly and easily to sites and Web pages where you may access apps for young women and people of other age groups (and genders). Non-market apps aren’t always as easy to find as those featured right on the Droid store, but third-party websites will help simplify the process so you’ll get just what you want.

Safe Travel Practices for Women

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For women, traveling alone or while pregnant can have risks, but you shouldn’t let it keep you from enjoying a vacation. There are many legitimate concerns you may have, and that’s okay. Check out these tips if you are planning to travel.

If You’re Pregnant

Generally, one of the biggest concerns for pregnant women is flying. Most airlines have a policy of allowing pregnant women on the plane, depending on how far along they are. You may find some of the best cheap tickets with a certain airline, but you should contact them to see if you will be allowed to ride on the plane. If not, try to find a different airline that will allow you to fly with them.

If you are pregnant, it is always a good idea to have an emergency plan. Keep contact numbers with you, including the number of your obstetrician. You should also carry a document stating your expected delivery date and blood type. Remember to drink plenty of water to prevent dehydration and to get up and walk around during a long flight to prevent phlebitis, or inflammation of the veins. This is a common condition in pregnant women and can affect anyone during a long flight.

 

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If You’re Traveling Alone

Traveling alone can bring on a lot of anxiety, whether you are worried about sexual assault or being scammed. Although these situations are unlikely, it is perfectly acceptable to be nervous when traveling alone. If it is your first time or you travel alone often, there are several safety practices you should keep in mind, including the following:

  • Don’t let people know you are traveling alone. It is okay to let an employee at your hotel know when you check in, but be careful about people overhearing.
  • Avoid traveling at night. Whether this means traveling to your destination or getting around the city you are visiting, you should avoid wandering around at night.
  • Dress appropriately. You don’t want to draw attention to yourself or give people ideas. This is an especially important tip when you are traveling to other countries. Even if the locals dress one way, people may have a different idea about you since you are foreign.
  • Talk to people back home. Even though a vacation is supposed to help you get away from every day life, talking to someone back home will ensure them that you are safe.
  • Have an emergency backup plan. This is a good idea no matter if you are traveling alone or with others. Let people back home know of your plan and keep emergency contact numbers with you.

As you travel, keep these tips in mind. Simply using common sense when traveling, whether pregnant or alone, can help you avoid many problems.

Emergency Personal Loan for Students

Students often travel far to attend the school of their choice. This means they can be far removed from their parents or support system if a financial emergency should strike. Anything from unexpected car repairs to an emergency room bill can leave students strapped for cash.

When these emergencies arise, the student may feel that they are without resources. There are, however, ways to safely obtain money in order to ease you over the current financial burden.

Online Application and Approval

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An emergency personal loan for students, like personal installment loans, is easy to apply for as long as you have a computer with Internet access. Find a reputable company, like one that is registered with the Better Business Bureau, and fill in the form to find out if your loan will be approved. It should be a quick process. If approved, the money to cover your emergency situation should be deposited in your bank account within 24 hours.

Bad Credit, No Credit

As a student, you may not have had the time to get your credit rating high, or you may have suffered some setbacks which have lowered your credit rating. But in emergency situations, there are companies out there that will consider your application for a loan without running a credit check. There may, however, be higher interest associated with these kinds of loans.

Pay It Back

Nothing will ruin your credit faster than defaulting on a loan. Regardless if the loan was made from an online company or a bank, you need to be sure you can pay back the loan according to the loan parameters. By even missing one payment you can jeopardize your interest rate (causing it to go up), and before you know it, you can end up owing much more than the original loan amount. As long as you pay the loan back promptly, you won’t have any problems.

Build Your Credit

One fortunate side effect of personal installment loans is that the prompt repayment can actually work to improve your credit rating. By borrowing the money and paying it back quickly, you are showing that you are responsible and a good credit risk.

No matter why you might need an emergency loan, there are many online companies who will be willing to consider your application for a loan. Just remember to use these loan services responsibly only in emergency situations such as car repairs or medical bills, and you will get past your immediate financial difficulties and even improve your credit score over time.
Have you had to take an emergency personal loan while trying to get your education? Share your thoughts in the comments.

 

The Intrigue of the Cannes Film Festival

Cannes Film Festival is the most popular festival in the world. The Cannes Film Festival began in 1946 and is the oldest film festival. The festival is not only the most influential in the world of films, its red carpet is the most popular attraction of star struck celebrity fans. In the month of May, thousands invade the small town of Cannes. Celebrities, filmmakers and press converge on this quiet small town. It is the ultimate film festival, much like your ultimate movie collection in www.direct.tv. This festival is also the most exclusive and you must meet one of six criteria to gain entrance.

The average person does not have the credentials to attend this exclusive film festival. In addition, there are costly fees, which few people can afford. Thousands of people line the streets to get a glimpse of their favorite celebrity. You can squeeze your way into the town of Cannes and spend hours in the crowds on the streets. This is as close as you can get to the festival. You may be able to crash a few parties during the evening hours or get a few photos of your favorite celebrities. Many people visit Cannes during the week of the film festival just for the excitement.

While it is the most popular festival, it is best to watch clips on TV to catch glimpses of the activities and celebrities. If you have direct.tv at home, you won’t really have to go all the way to Cannes anymore. Film Festival fans would love to have the chance to attend the Cannes Film Festival just once in their lifetime. However, for all these fans, this remains a dream that has yet to come true. If you are lucky enough to have connections, you should not miss the opportunity to attend this event. If you are not connected, you may want to scour other film festivals for possible connections. You never know whom you will meet and you may discover an opportunity of fulfilling a lifelong dream to attend the Cannes Film Festival.

Girls’ Night Out

You and your girlfriends are a very busy group. You may all have careers, families or other responsibilities that keep you on the go. It seems like you seldom get together, so what’s a better idea than a special girls’ night out? It doesn’t have to be a special occasion, just an opportunity to gather as a group. To make this special night memorable, here are a few tips.

First, decide on a theme or a location. Do you want to go out on the town, have cocktails, and go dancing? Perhaps you’d just like to have dinner and a movie. You can also consider just meeting at one person’s home and throwing a theme night.

Consider dressing up to match the location or special occasion if it is one. Think about dressing up as your favorite celebrities for a special movie night.

Make it even more special by sending out custom invitations. Match your invitations to the theme of your night out. For instance, send out invitations that are shaped like a cocktail glass if your plans are going out on the town. Find custom invitations at search sites such as Canada 411.

If you are staying in for the special night, make sure that you decorate the house. If you’re having a movie night, get some movie posters to decorate the walls and then serve traditional movie snacks such as popcorn and movie candy.

Finally, you can always have the tried and true girls’ slumber party. You can all dress up in your favorite pajamas, give each other manicures, and just have some girl fun.