Archive for November, 2011
It is true that marriages are made in heaven. But everything falls flat on their butt once a marriage hits the rocks. Every bit of reconciliation fails and divorce seems to be the only way out. If everything – both financial and other aspects – is settled before parting ways, then we can say – all is well that ends well. But if the separation is not so amicable and there is some sourness left somewhere in terms of an unsettled financial debt, things can turn both ugly and complex.
One such difficult situation arises when one of the partners incur a credit card debt, and the credit card debt after divorce assumes the form of a Damocles sword in the form of collection people, constantly nagging either of the ex-spouses to settle the due. The situation is a bit tricky here because whether the person who incurred the debt or the other ex-spouse has the real responsibility of making the payment is still not defined clearly by the law. The situation gets more complex when it comes to joint accounts. But let us see the credit card debt after divorce now.
Credit Card debt after divorce – mostly in joint credit cards – is generally seen by the creditors as the joint responsibility of the couple. Actually the spouse who didn’t incur the amount is not liable to pay, but the credit card company may seek payment from both the parties as they care only about the money due to them. What settlement had been reached after divorce is of little interest to these people.
One may feel that closing out credit card accounts (joint) is a solution to all these problems. If you have a responsible spouse, well this will work. But the fact is that the account does not cancel itself until somebody makes the payment. Also, after divorce, it is legally not practical to divide the debts. Hence these are some practical solution, from best to worst.
- Sell any joint asset (say, home) and pay the debt and close the account. It is a classic example of killing two birds with a stone.
- Separate credit cards can be a better option in such a situation. After applying, get the dues transferred into individual cards, divided according to your own logic or the way you spent.
- In this regard, if one of the spouses is not qualified to get a card, get one of the relatives to cosign the card before transferring the share of balance.
But, rather than being through this ordeal, the best option is to get yourself everything settled before divorce. It is always a pain to go behind all these joint issues when you are about to start a new life. Take Care!
Some people may think that advice for a happy marriage can be a bit obvious, but if that’s the case why are there so many unhappy marriages? It can be very hard to focus on the big picture when you are on the inside of a long term relationship, so hopefully these tips can rejuvenate your marriage.
Advice for a happy marriage 1-
Communicate. A marriage is nothing without communication-and that doesn’t mean arguing and snapping at each other all the time-that’s not real communication. Communication means switching the TV off for once and sitting down and talking over your day, or letting your partner know in a direct way when there is a problem. A marriage is rarely harmed by some good direct communication.
Advice for a happy marriage 2-
Admit when things are wrong. During a serious relationship it can be very easy to let yourself gloss over things and make believe that everything will be okay. In truth though, if you do this you aren’t being true to yourself, your partner, or your marriage. Problems in marriages are like snowballs rolling down a hill-it’s easier to stop them early. Again, the easiest way to do this when a problem does arise is by simple communication between you both.
Advice for a happy marriage 3-
Know the difference between falling in love and maintaining a loving relationship. Falling in love can often be like being intoxicated, the subject of your love can do no wrong and all different areas of your brain are impaired due to your preoccupation with them. Unfortunately, this state rarely lasts past the first few years of marriage, so in many cases it’s necessary to work together at maintaining a healthy and loving relationship.
Advice for a happy marriage 4-
Put a little karmic theory into your marriage-you get what you give, so if you do everything you can to make your partner happy, the chances are they will step up their efforts to make you happy. The more effort you expend making your partner understand how much they mean to you, the more likely it is for them to reciprocate.
Advice for a happy marriage 5-
Learn that mending a relationship doesn’t mean mending your partner. A marriage includes you both, and so any issues or situations always include both of you. You can’t fix things by modifying the behaviour of one person, it has to be a team effort. People aren’t like animals, and you shouldn’t have to “marriage train” your partner into making you happy. It’s not fair on them, and it’s not fair on you.
This advice for a good marriage can really help in the tough times, so I hope it helps you if you need it. Check out the links below for great info on fixing your marriage.
Acne lesions range in severity from comedones (blackheads and whiteheads) to nodules and cysts. Here is a brief definition of acne lesions:
Comedo (plural comedones)-A comedo is a sebaceous follicle plugged with sebum, dead cells from inside the sebaceous follicle, tiny hairs, and sometimes bacteria. When a comedo is open, it is commonly called a blackhead because the surface of the plug in the follicle has a blackish appearance. The antioxidant Acnezine regulates the sebaceous glands thus controlling the oil secretion and stops acne growth permanently. Neither blackheads nor whiteheads should be squeezed or picked open, unless extracted by a dermatologist under sterile conditions.
Papule-A papule is defined as a small (5 millimeters or less), solid lesion slightly elevated above the surface of the skin. A group of very small papules and microcomedones may be almost invisible but have “sandpaper” feel to the touch. A papule is caused by localized cellular reaction to the process of acne. Prolong treatment with Ancezine smoothes the lesion to a great extent.Pustule-a dome-shaped, fragile lesion containing pus that typically consists of a mixture of white blood cells, dead skin cells, and bacteria. A pustule that forms over a sebaceous follicle usually has a hair in the center. Acne pustules that heal without progressing to cystic form usually leave no scars.
Nodule-like a papule, a nodule is a solid, dome-shaped or irregularly shaped lesion. Unlike a papule, a nodule is characterized by inflammation, extends into deeper layers of the skin and may cause tissue destruction that results in scarring. A nodule may be very painful. Nodular acne is a severe form of acne that may not respond to therapies other than isotretinoin.
Cyst-a cyst is a sac-like lesion containing liquid or semi-liquid material consisting of white blood cells, dead cells, and bacteria. It is larger than a pustule, may be severely inflamed, extends into deeper layers of the skin, may be very painful, and can result in scarring. Cysts and nodules often occur together in a severe form of acne called nodulocystic.
Acnezine is the answer to all these acne lesions for it is a natural product with no side effects and guarantees positive result if treated for a considerable period of time.