Life After Divorce: 5 Ways to Rebuild Your Finances

A divorce affects your life in many ways, and it includes your finances. It isn’t the most pleasant time of your life especially if you’re the one who has to lower your standard of living. The divorce already took its toll on you; you can’t let your finances worsen the situation. Here are 5 ways to rebuild your finances and improve your financial situation after a divorce:

  1. Make a financial plan

Majority of your financial information was collected and used during the process. Now it’s time to check out these costs. You have to make adjustments based on child and spousal support. The noncustodial parent also takes note of the cost of life insurance and health care. You have to be realistic and don’t make reckless decisions. Once you have a plan, all you got to do is stick to it.

  1. Separate all of your finances

Close all joint credit card accounts and open new ones so you can immediately start building your own credit history. The title of your home should also be changed and let the mortgage company know about the change. Even the name that reflects on utility bills must be changed. Don’t forget to update your will.

How To Create A Financial Plan That Would Make Oprah Proud

How To Create A Financial Plan That Would Make Oprah Proud

  1. Check your insurance and get the necessary protection

Now that you’re on your own, you should protect yourself as well as your property by getting the necessary insurance. This pertains to life insurance, health insurance, auto insurance, and homeowners insurance.

  1. Let others know about your new name

If your name will be changed after the divorce, you’ll have to get a new passport, driver’s license, and Social Security card. You also need to let your bank know about the change. Your accountant and personal lawyer should also be informed.

How to Rebuild Your Social Life After Divorce

How to Rebuild Your Social Life After Divorce

  1. Obtain your credit reports

After the divorce, it’s best to let TransUnion, Equifax, and Experian know about your name change. Also, you should ask for credit reports from the three major credit bureaus. You can get a free report from each of the three every year as stated by federal law. Once you have the reports, check them closely and make sure that the file is updated and closed accounts are already noted.

Going through a divorce process is already stressful. Once everything’s been settled and the verdict is out, you initially feel relieved. Later on, you’ll realize that there’s going to be a huge change in your life. You’re now on your own. You’ve got to deal with these things all by yourself. Every person deserves a good life following a divorce. It’s only possible if you can rebuild your finances. Stick to these 5 ways and you’re on your way to enjoying life as a single without having to worry about your finances.  

Things You Should Know About the Samsung Galaxy S4

Samsung has become one of the most well-known brands when it comes to mobile devices. Samsung has not only created devices that can rival Apple’s iPhone, but they also intend to dominate the field. Just recently Samsung has launched another epic product, the Samsung Galaxy S4.

Reasons why you should get the S4

There are a lot of new features and improvements on this phone that will make you want to have one. From split screen mode to the all new AirView, everything is something that can take the breath away of any tech enthusiast. Two features that set this device apart from others is it can do a split screen mode and has the AirView feature. Airview is very unique as the user does not need to touch the screen to make the phone function, but just hover the user’s fingers or palm slightly above the screen. It also has the latest Android software version that makes the phone exciting and highly customizable.

Things that might make the S4 not right for you

For a device that can be considered as a super phone it has small pre-installed memory storage. Though the storage can be increased by using the micro SD chips, you need to shell out a hefty sum of money to increase your memory vault. It also has a very comical design. Unlike other brands of phone that have switched to more sleek aluminum phone designs, the S4 is covered with plastic. Though the plastic body certainly helps in reducing heat and makes the phone more flexible, but as an expensive device, it surely feels like playing with a toy. It also mirror the S3’s design which can make you point out that Samsung must have taken something from Apple’s textbook by reusing their design for their phone series.

Community Spotlight: Should I Get the Samsung Galaxy S4 or HTC One

Community Spotlight: Should I Get the Samsung Galaxy S4 or HTC One

Other things you might want to know

The new S4 has a removable battery that allows you to manually power the device if ever it gets frozen. It also has a wide array of accessories that can help improve its functions. There are even accessories that can give the S4 wireless charging capability. Furthermore, it has a built-in speaker that produces good quality sounds. However, its speakers are not really built to produce great playback music and recordings which can be a big downside for users who stock up their phones with all the songs they love.]

Samsung Galaxy S4 owners get just HALF the storage they paid for

Samsung Galaxy S4 owners get just HALF the storage they paid for

Weighing on buying the new S4 or not depends on your needs. Like any other device out there, the S4 also has its pros and cons. Depending on how you want to use this device and what you preferences are, the S4 is a phone worthy to be considered the next time you change phones.

Dealing with Jealousy the Right Way

Love is patient, love is kind. It is never jealous or envious.” – These are words that come from the Bible. Words that are true, firm and definitely should be followed. You’d probably then start popping out the question, “so is it a sin to be jealous in some acceptable circumstances?” which is by the way, normal! There are ways in which jealousy is not forbidden. But you have to make sure that these ways are not wrong ways but definitely and obviously justifiable.

You Can Get Jealous When a Rule is Broken

There are things that are too much when it comes to jealousy but there are also situations in which you or your partner would get yourself into and actually break rules in the relationship. Before starting a relationship, it is important to state clear rules. Don’t get me wrong! They are not rules to torture you but to actually keep you safe! It will lessen the tendencies of letting any temptation come in or even avoid fighting with your partner. Here are situations in which rules could be broken:

  • Looking at someone in a lustful way

  • Asking a random stranger of the opposite sex when there are a million other ways to actually get your question answered

  • Looking at other guys or girls in social media websites especially if they think they’re attractive

  • Checking out other guys or girls when you’re out

  • Spending some or even too much time talking to someone of the opposite sex even when it’s not really needed

  • Spending time talking to someone single

  • Giving advice or being there for someone else who is of the opposite sex

  • Comparing you to someone else when they should be encouraging you and loving you more

Beautiful Broken Rules (Broken Series, #1) by Kimberly Lauren

Beautiful Broken Rules (Broken Series, #1) by Kimberly Lauren

Responding Righteously Even in Jealousy

Just because you are allowed to get jealous providing the above things are being done does not mean that you can tolerate yourself and act like you have all the right to mistreat the other person because of it. That would still be wrong! You still need to act in a loving way even despite the hurt and pain that you get from this wrong attitude or wrong action being done or shown. Express your heart and your mind freely. Be honest. Talk it out. Discuss peacefully. Don’t go nagging or being violent just because of it.

Jealousy by `majnouna on deviantART

Jealousy by `majnouna on deviantART

Relationships are a lot of work. They aren’t like the ones that you see on television or just like your favorite fairy tale where everything seems to be perfect. Don’t be trapped in your own little world of fantasy because the reality is not even a quarter compared to that. There’s so much more in a real life relationship and these are things that you need to learn how to handle before stepping onto the next level.

Five Easy Alternatives to Reduce Carbohydrate Intake

If you are on a low-carb diet, you have to determine other useful alternatives to achieve your personal goal. There are various reasons why people practice this kind of diet. Carbohydrates are known to be the major energy source of the body. Thus, they comprise a great portion of most diet of the people.

Experts reveal that if the daily intake of carbohydrate is more than 60 percent of the caloric intake, a person will have difficulty in losing weight. To keep and get the weight under control only means that they have to cut down their entire carbohydrate intake. To help you achieve better results in carbohydrate intake, there are several alternatives to your carb diet that you can try.

Shellfish, Fish, Meats and Eggs

These are the non-vegetarian foods that contain a practical zero carbohydrate. They have been excellent options for a good carbohydrate-free diet. Take note that you must not consumer any processed meat for they are usually treated with sugar. Refrain from eating fish and meat that have been treated with nitrate for they contain carcinogens.

Be Aware of the Hidden Carbs

Many people are unaware that they are eating hidden carbs daily. But as you know about them, try to eliminate them right away and eat carbs that are rich in nutrition. Get rid of sports drinks that contain sodium and calories. Instead, take coffee or tea as it offers the same level of energy boost without added sugar.

Reduce Your Carbohydrate Intake

Reduce Your Carbohydrate Intake

Forget Everything about Unhealthy Carbs

You still have to eat carbs daily for energy and health. However, you must cut out those unhealthy carbs in your diet. Try reducing fried carbs from fast foods such as pies, fries, and onion rings. Choose a healthy alternative such as low fat yogurt or side salad. Avoid any processed flours and sugars in exchange for the whole grain counterpart.

Eat Plenty of Green Leafy Vegetables

Some of the most nutritious natural foods that are low cab include mushrooms, spinach, celery, peppers, lettuce and cucumber. They are rich in fiber and provide higher phytonutrients amounts. Tomatoes and broccoli are other nutritious vegetables that combat cancer.

Low Carb Cheeses and Coconut Oil

Other low-carb cheeses that you can include in your diet are mozzarella, goat cheese, cheddar cheese, Swiss cheese, and Gouda cheese. You have to consume about three to four ounces of them daily. And coconut oil stimulates metabolism while it helps lose weight if consumed daily.

Until The Thin Lady Sings: Coconut Flour Cheese Biscuits, gluten

Until The Thin Lady Sings: Coconut Flour Cheese Biscuits, gluten

There are several things to consider when having a low carb diet. Make sure that you are aware of the most important foods to take. In this way, you know when to take them or not.

The Best Books For An Entrepreneur

Although people are born with different entrepreneurial skills, books play a very important role in nurturing this inborn or acquired trait. There are very many categories of books which have been written by successful entrepreneurs which have also proved to be handy for most entrepreneurs. Some of these books include:

Self-help books

Through these books, entrepreneurs can visualize success and be inspired to work towards achieving all their goals.

The 4-Hour Work Week by Timothy Ferris is one good example of a self-help book. It is a very popular book whose main objective is to set the entrepreneurs mind to focus on only one specific and achievable goal. It specifically singles out time as a fundamental tool to success besides being efficient and effective. In his book, Tim highlights the importance of outsourcing for best employees and working for fewer hours while get higher returns; autopilot.

Self-help: why I like my gurus delivered in a cardboard box

Self-help: why I like my gurus delivered in a cardboard box

Motivational books

Motivational material is also very important for the success of any form of business and this is the reason as to why having a role model is always a necessity. There are very many materials which can drive a person to work even extra hard. The All-Star Sales Book by Billy Cox is an all-round motivational book. For Billy, trying new things, getting realistic goals and being flexible to the environment is one major factor to success. It focuses on joining a game and becoming a winner and still goes ahead to discourage laziness.

Another good motivational material is The Forbes Magazine. A good motivational book should make one envy success besides being prosperous as far as business ideas and ventures are concerned.

Self-improvement and business books

Changing one’s lifestyle and acquiring a business mind is also a very important factor when it comes to achievement of various objectives. A good book which blends these two traits is How to Win Friends and Influence People by Dale Cornegie.

In this book, Dale considers everyone to be precious and unique. He stresses on giving people attention to make them feel valued and influence them in return. This can only be possible through the use of common sense. It is one of those books which has really transformed and changed the minds of very many entrepreneurs to believe in success.

Management books

Management is also a very vital factor when it comes to entrepreneurship. In entrepreneurship, proper management of resources such as time, raw materials and finances is imperative. Without these noble skills, then all efforts will obviously go to waste.

Books such as Practical Project Management by John Wiley & Sons and Introduction to Accounting and Finance by Geoff Black are very important books that an entrepreneur should not miss in his or her library.

Self-improvement | It's a Man's World

Self-improvement | It’s a Man’s World

Other books include business review books and public relation books

These books also play a very significant role in the life of an entrepreneur. Entrepreneurship revolves around interacting with people and the only way out will be to have hint on how to interact with people from a good public relation books such as The Public Relation Handbook by Alison Theaker.

Business review books will always acquaint an entrepreneur with information on market trends and market prediction knowledge and therefore equally important.

This is just a wide category of some of the most important books for an entrepreneur.