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3 Ways to Thrive After Your Divorce

Going through a separation can be a very trying time, both emotionally and financially. Many at this time will decide to mend the emotional scars first and withdraw from the world for a moment so they can regroup.

But the bills start piling up, and it is eventually time to think of a plan B. Divorce isn’t always a financial death sentence, and in some ways, it could actually be a blessing in disguise. Either way however, changes will have to be made in order for you to get back on track. Here are some ways that you can thrive after a divorce.

Do Not Make Choices Based on Emotions

If you’re feeling too emotional, it would be important to avoid any major financial decision during the early stages of a divorce. Going on an expensive vacation or buying a new home could seem like the right idea at the moment to get through, but the effects of retail therapy are short lived.

Instead, you should start counting your assets and getting rid of things that are either useless to you or hold too much of an emotional charge. The most obvious choice is getting rid of your wedding and engagement rings. There are many services that will allow you to sell your rings through a no hassle process completely online. However, make sure that you deal directly with retailers and not wholesalers if you want to get the best quote. Some will allow you to get your money within the same day that it was received and appraised.

Restructure and Take Charge

One of the most important things is that you should never let this divorce define you. From now on, you have no chance but to land on your feet. If you can downsize and move somewhere less expensive, whether where you are or a different city, do it. And be ready to work hard to get your finances straight. If that means taking a second job, so be it. This could be temporary until you’ve paid off your debts and can give your family a fresh start.

Don’t Start Getting Competitive with Your Ex

Even if the divorce was bitter, you should refrain from trying to one up them as a parent. This is not the time for that. Your goal should be to keep your family afloat first and foremost. Trying to outspend them, or trying to be the cool parent is the absolute worst thing you could do right now. If you can’t be with your kids as much as you’d like or can’t take them on the trips or activities they’re used to, let them know about the situation and also let them know that you’re doing it all for them. They’ll understand.

Divorce is a challenge for everyone involved. But making sure that you give yourself and your family the best space to thrive and overcome the situation is critical. Make sure that you follow these few tips, and always try to make it a collaborative effort as much as possible.

Medical Importance of Kratom

Nothing in this world is without any benefits. Everything has its advantages and disadvantages. We being human beings must select the best things for us that should have higher benefits than its dis-advantages. Just like other organisms, plants are also very vital living beings on earth that have enormous benefits. Right from early times, human beings are using plants continually for their benefits and have enormous advantages since they are natural products and have very less dis-advantages.

Kratom is the point of focus from many years because of its importance and the number of ways in which it is used round the world for medical treatments. You need to check this before buying kratom

  • Kratom is used to relief stress and fatigue. It also reduces.
  • Kratom is used in treatment of pain and helps in reducing abdominal cramps
  • It is used as seductive drug to treat sleeping disorders.
  • Extracts from its leaves are used as substitute to morphine.
  • In low dosage it is used to energize body and remain active.
  • Daily use of this product helps in improving productivity of human body
  • Self-confidence and self-belief are are advantages that you could get from its regular use.
  • If used in high quantity of dosage, kratom helps in gaining high control over immune system of human body

Despite of too many benefits of this plant, the quantity of extracts being used must be measured with high level of care. Importance of this plant and its extracts is such that it boost metabolism, increase energy, improve the immune system, and prevent diabetes. If you have sleep disorder problem this can be your best bet since kratom extracts contains unique components that helps in sleep. Moreover, extracts from leaves of this plant are very useful in strengthening immune system and helps in cure of immune deficiency diseases that are not easily curable.

Plants provide natural extracts that have positive effects on our body, yet care must be applied while using such chemical drugs which have different effects when administered in different quantities. Kratom is used vastly in pain reliever drugs since it has pain reducing morphine like effects. If this is taken in high dosage, it can provide instant pain relief. Kratom also has proven stress reducing abilities. In today’s world where work load has increased stress and fatigue in human beings, special extracts and chemical combination found in these extracts can surely help in reducing pain and stress of routing life. Mitragynine, the primary active compound in kratom, it has proven of being responsible for its opioid-like effects.

Hence, whenever you use kratom or any other herbal or synthetic product you must compare its advantages with its negative aspects. Where kratom grows naturally, in such countries, its leaves are chewed to obtain its benefits and annual consumption of these s much higher in those areas while it is supplied in powder or liquid form in other places of the world physically that can be purchased from chemist shops and best way is to purchase these online at cheat prices.

How Does Transparency Works in Charities Accepting Crypto Donations

The blockchain is one of the terms you’ll commonly hear in technology right now. It is also one of the biggest buzzwords in the crypto market.

But what does it mean? Why your friends and colleagues are interested in this technology?

Find it out right here.

Blockchain on Cryptocurrency

Bitcoin is the most popular cryptocurrencies as of now. Today, huge and small businesses accept bitcoin as a payment option. You can use this virtual currency to shop online, ask for services and donate to charities.

Cryptocurrencies work similarly to physical money except for the virtual part. Most people prefer using cryptocurrency because of the convenience it offers. For example, if you are donating a sum of money to a charity using bank transfer, the process may take a few days to complete before the charity can use your donation.

In the case of cryptocurrency, the non-profit organization can immediately receive your donation hassle-free. The process only takes a few minutes and mind you, there are no fees involved.

The problems with digital transactions are the threats of identity theft and scam. Hackers can look up your account and steal private information. The good thing is Satoshi Nakamoto, the brain behind Bitcoin, utilized a technology called blockchain to secure the transactions and information of a crypto user.

The blockchain is a public ledger of every transaction. Information such as date and time of the transaction as well as the amount involved are called as blocks.

Altering or tampering the blockchain is not possible. Each block contains a unique code called hash. This code prevents a hacker from accessing private information on the blocks.

Now, a lot of transactions happen around the globe. Each transaction is grouped into blocks which are organized using cryptographic rules. The blocks are then sent into the bitcoin network which is composed of high-powered computers. These computers validate the transactions by solving complex mathematical puzzles. Whoever solves the puzzle receives a bitcoin.

Each new block added into the previous blocks creates a chain called a blockchain. Thus, manipulating blockchain in Bitcoin is impossible.

Crypto Donations

Using cryptocurrencies as a donation is guaranteed safe. You can assure that your private information is protected from malign individuals and threats. Moreover, crypto donations are more transparent. All of your donations are recorded in the blockchain turning the transaction public. Furthermore, blockchain helps in tracking the transactions between the donors and charity. If you are planning to donate to a non-profit organization, you are confident that it can aid on actual causes.

One example of successful donations in the past year is Fidelity Charitable who received $69 million crypto donations. If you are interested to be a part of charitable works, check these crypto sponsored posts are an option to learn more about the processes of donating using cryptocurrency.

You probably have questions on how cryptocurrency, the blockchain, and charities work together. If you are interested to learn more about it, check this out here at Young UpStarts.

Philanthropy is not dead. Lend a hand to people around the globe using this modern technology.

Brain-Boosting Adaptogen Herbs that You Need to Know

Adaptogens is a group of powerful herbs that help your adrenal system healthy; making your body endure all the effects of stress, anxiety, and pressure. But did you know that adaptogen is a holistic herb that can be used to boost mental functions?

•    It helps improve a person’s ability to focus when facing a stressful situation.
•    Adaptogens are naturally designed to provide anti-depressive effects.
•    Helps boost cognitive functioning.
•    Helps boost the synaptic activities between neurons.

Here are the top adaptogen herbs that help boost the functions of the brain:

1. Ashwagandha

Ashwagandha is one of the effective adaptogenic herb used in ancient Ayurvedic medicine to rejuvenate the functions of the brain. Also, experts believe that the potent herb prevents worsening of the brain cells and helps treat exhaustion of the neurons in the brain; this is one of the reasons why ashwagandha is known as a potent adaptogenic herb to provide mental clarity and boost overall cognitive performance.

2. Rhodiola Rosea

Technically, it is the roots that are often used in treating various health problems, specifically, maintaining the health of the adrenal system and reducing the effects of stress. But did you know that Rhodiola is naturally designed to improve mental health too; in fact, the potent herb can treat depression and anxiety. Also, it is a big help in boosting memory retention and reduce mental fatigue.

3. Holy Basil (Tulsi)

Experts believe that Tulsi contains potent properties that help boost blood circulation to the brain; thus, encouraging proper brain oxygenation. As a result, this boosts the cognitive function and memory retention.

4. Ginseng

Another known adaptogenic herb is ginseng; it is famously known to boost over-all vitality, including mental and physical wellness. Also, most of the ginseng is found to contain potent properties that help protect the brain cells against beta-amyloid and dangerous toxins.

5. Bacopa

Another adaptogenic herb that is commonly used in Ayurvedic medicine is the Bacopa; according to the experts, Bacopa has the ability to boost the brain’s functioning, particularly boosting of memory, boosting cognitive functioning, and help reduce the effects of stress. In fact, there have been proven studies that have suggested that Bacopa is a potent adaptogen that helps protect an individual from Alzheimer’s disease.

6. Vacha

You’ll seldom find an adaptogenic supplement that contains Vacha; however, if you use the herb, it’ll provide you with better focus, mental concentrations, and mental clarity. Additionally, experts believe that Vacha contains potent properties that help detoxify the brain tissues.

7. Rosemary

Rosemary is not just used for cooking, but it can be used to clear your thoughts and help you concentrate or focus; this is due to the efficiency of its aromatherapy.

Final Thoughts

There are more adaptogenic herb that can help boosts your mental functioning; in fact, you can find some of them available in supplements – this post has excellent info when it comes to reliable, effective, and safe adaptogenic supplement.

Adaptogens are effective herbs that can reduce the effects of stress; but more than that, it can help boost the function of your brain too.

Reasons For Hiring and Questions To Ask Divorce Lawyers

how to deal with divorce

One of the toughest situations you might find yourself in is dealing with a divorce case. In situations like these, high-tide of emotions might sweep you off your feet. There may be lots of crying, fighting, and breaking-downs. With this, it is often difficult for people to face divorce cases without the help of a divorce lawyer.

If you are undergoing a divorce litigation,  we highly encourage you contact a divorce lawyer. Interview the lawyers and hire one. Note that certain divorce laws may vary from state to state and so, if you, for instance, reside in Dallas, Texas, Dallas divorce attorneys are, therefore, best for your case.

Although many people insist on dealing with divorce alone, it’s really near impossible. That said, here are some of the reasons why you should hire a divorce attorney:

Reasons

  • Divorce attorneys are able to get a hold of an objective view of the situation. Your attorney is not influenced by any subjective feelings or emotions unlike you. Hence, this makes it easier for your attorney to formulate strategies in getting the court decision to lean to tilt towards you.
  • You’ll not worry about the pile of paperwork anymore. Your lawyer will take care of these forms for you as well. And if there may be some terms or agreements you have difficult time in understanding, your lawyer will be able to help you out so as for you to make informed decisions.
  • Lawyers know and study the law; they are be able to make the most-informed decisions for many of us who lack knowledge on family law.
  • Divorce attorneys will help you land the best negotiations or settlements. They will make sure you get to be at an advantage especially when the case deals with custody, properties, credit accounts, etc.
  • Legal professionals will also be able to provide you with a reality check and a realistic expectation for the whole case.
  • In gathering evidences against the other party, your lawyer will also guide by determining which proofs may be useful in court and which are not necessary.
  • Your lawyer will also give you tips and advice especially on the things you should fight for and the things you should let go.
  • In times that you will need help from psychiatrists or psychologists for your claim against your spouse, for instance when dealing with mental health conditions, your lawyer may also have his/her own connections.

why hire a divorce attorney

Questions

Before hiring an attorney, there are several questions you need to ask before making the decision.

  • Ask your attorney if he has handled similar cases before. If yes, ask about how it turned out. If your attorney has not, ask him/her as to why he/she should be hired by you.
  • Ask for an estimated timeline for your case as well. Although attorneys cannot give you accurate time as the case may be subject to changes and further proceedings, it’s still good to have an idea of the estimated duration of the case.
  • Ask about the payment method. Check if you and the lawyer are in sync when it comes to fees, modes of payment, and payment schedules.

 

Dealing with Credit Card Charge Off: How Can I Remove It?

what is a charge off

With credit card comes great responsibility. Being trusted by a creditor is a big deal which you should be careful in dealing with. Basically, as long as you make payments on time and you know your limits, you won’t have any problem.

Unfortunately, many credit card holders are too laid back, carefree or even care less to the point where they take things for granted. They start delaying payments or they start not paying at all; and sometimes, it’s not just for a month or two, it may even reach more than half of a year. By this time, they will probably receive a “charge-off” on their credit report. And if you do not understand what this implies, it may be best for you to take some time to read what a charge-off is.

What is a charge-off?

A common misconception of the term “charge-off” is the idea that when creditors have charged-off your card, your debt has been cancelled. Mind you, this is a very wrong way of putting it. A charge-off actually refers to the situation where your creditor has declared your debt as a loss for their company. That is declaring that your debts are unlikely to be collected.

One of the worst marks you may receive on your credit report is a charge-off. But why is that so? Well, this is mainly because a charge-off dramatically affects your credit score and to top it off, this record will reflect on your credit report for seven years.

How does a charge-off happen?

You ought to know that in your credit agreement, you are obliged to make minimum payments on specific due dates for each month. In order for you to avoid any late payment notice to reflect on your credit report, you can still make the payment between the due date and 29 days past it. However, for situations wherein you fail to make the payment until the next due date, a late payment notice will be filed on your report. If this goes on and on until you reach 180 days late, which also six months, your account will receive a charge-off mark.

In other situations, your account can also be charged-off if you keep sending payments that are less than the minimum due. To avoid being charged-off, you must, therefore, pay the full minimum.

credit card problems

Why and how should I clear a charge-off?

Whenever a creditor declares your debt as a loss for their company, they won’t let you get away for free. They will continue to demand you to pay your debt. You should do your best to clear your debt since the past due balance is actually legally forceable; in other words, the creditor can sue you for it and you might end up needing to get a lawyer to defend you. Aside from this, a charge-off is a disaster for your credit report and it may negatively affect all other future loans and deals you wish to make.

As previously mentioned, the charge-off will stay on your credit report for seven long years. Even a full-payment of the charge-off won’t help remove what was on your credit report; it will only reflect the terms “charge-off paid”. Seemingly, you have no other choice but to wait for the seven years to pass.

Luckily, there is a way to remove the charge-off sooner and this is by sincerely negotiating with your creditor. Although quite challenging, some creditors will have it your way as long as you make sure the right people will handle your case.

Should I Hire a Personal Injury Lawyer to Defend Me?

fees of a lawyer

Perhaps, you’ve gotten into an automobile accident or perhaps, you know someone who was a victim of this type of accident; well, one of the greatest decisions to make is whether or not a car accident lawyer is essential for your situation. Rest easy because this article will help you come up with the right answers. Without any more delay, let’s discuss on the basics.

When do I need to hire an accident lawyer?

If you find yourself in a situation facing any of the situations below, that may be a sign that you need a legal professional to represent you.

  • Severe Injuries

If the victim is severely injured or if the victim faces a long-term injury or permanent injury that will surely affect his/her quality of life, a legal professional might just be needed for the complicated court processes.

  • Willingness to Pay

If the party at fault or the one responsible for the injuries and the accident refuses to pay the right amount or any amount to compensate the victim; calling for an attorney will be necessary to fight for the victim’s rights.

  • Insurance company disputes liability

Sometimes, insurance companies will deny their liability. They might dispute the liability if they think their client was not at fault; thus, you will need an attorney to prove them wrong.

best injury lawyer

Why should I hire an accident lawyer?

Regardless if it’s an offshore injury or an incident that happened on air or land, hiring a personal injury or accident lawyer gives you a better chance of winning your case. Some people might prefer to deal with the cases all by themselves or with the help of family members who have no legal experience, however, this might be difficult especially since a lot of work has to be done. A legal professional will make it easier as he/she will do the work. With their knowledge of the legal procedures, they will also be able to advise and assist you with every step you take in order to ensure that you are compensated properly. Simply put, lawyers will make sure that you get the justice you deserve.

What should I look for in an accident lawyer?

  • Experience

A lawyer with adequate experience in cases similar to yours is definitely a promising choice. You may check out his/her records with the past cases in order to determine how he handled them. Indeed, there is no better qualification than first-hand experience that resulted to success.

  • Reasonable Price

Hiring a lawyer might be a bit costly; this is why you should look for a lawyer that has a reasonable price that is within your budget. You don’t have to go for the most expensive legal professional unless your case involves millions and billions of dollars. And so, you must try your best to avoid legal professionals who take advantage of you financially.

  • Easy Communication

Find a lawyer whom you can easily talk to. As the victim or the family of the victim, you must be able to easily express your sentiments and opinions; thus, you need an attorney whom you effectively communicate with.

  • Right Personality

As much as possible, your lawyer’s personality must mesh with yours as well. It will be hard to work with a lawyer whose personality is extremely opposite as yours; this might just spark disagreements and tension in the room.

 

Learning the Piano

where to find piano teachersThe piano is a magical music instrument. With its magic, comes the difficulty in playing it perfectly. In most Asian countries, especially in Korea and China, children as early as 3 years old are already trained to play this instrument. Learning how to play the piano at an early age ensures more success in playing it virtuoso way; however, teenagers and adults who start learning it may also reach a master level in this instrument. Basically, it really just depends on the student and the piano teacher.

People may freely learn the piano by themselves through tutorials on the web; however, hiring a professional piano teacher is the best option possible. This is mainly because piano teachers will thoroughly teach you bits and pieces of reading notes, hand positions and understanding musical symbols in order to incorporate it your performance.

Unfortunately, not all piano teachers are so great. Some may even cause more stress and intimidation on their students. This is why a checklist of qualities should be present when choosing which piano teacher to hire. Remember, this piano teacher will be with you for quite some time so you better choose wisely.

A popular website when searching for trusted piano teachers is Bidvine, piano teachers near you are listed in Bidvine’s directory—this may make it easier for you to contact one.

best piano teachers near me

What are the qualities to look for in a piano teacher?

  1. Ability to Communicate

When trying to learn the piano, it is important for both student and the teacher to communicate with each other effectively. The teacher should be able to say what he or she needs to inform the student—for instance, if the hand position is wrong, the teacher should be able to instruct the student on the proper way to do it. Without communication, an effective lesson is difficult to achieve.

  1. Patience

Piano may be confusing especially to the beginners. With so many keys that look alike, students may take a lot of time to really digest which keys are which and which fingers are best for each keys. A great piano teacher would allow their student to take their time. A teacher who is fond of yelling or complaining at the student for not learning fast should never be tolerated.

  1. Experience

Of course, a good piano teacher is also one who has had several musical success stories. It may be simple stories such as having been able to teach a little girl 15 songs or successfully teaching a student to read notes fast. Good experiences are important when it comes to piano teaching. Bad experiences, as well, are useful since the teacher can improve from these experiences.

  1. Assignments

In order to monitor the student’s learning curve, a good piano teacher will assign homeworks to the student. It could be little assignments such as learning a short song. Furthermore, the teacher can also give surprise tests to see if the student has really learned something especially when it comes to reading notes.