Sunday, December 25, 2005

Winning Tactics For A Smooth Divorce

Winning Tactics For A Smooth Divorce


The term "smooth divorce" may be an oxymoron, meaning there may not really be such a thing as a smooth divorce. Divorces typically are a dramatic schism in a couple's lives, ending five, ten, or even thirty years of a relationship. Something like that can be painful, messy, and even violent. Nevertheless, there are certain steps that you can take during a divorce that can make a separation and divorce go as relatively smoothly as possible. These can include choosing the right divorce lawyer and knowing your state's divorce law.
The first step you should take in your divorce is to fill out the divorce form called a Petition. Some states may call this divorce form a Complaint. Whatever its name, the form is what lets the state court and your spouse know that you are officially filing for a divorce. The divorce form also announces your terms for the divorce, such as child support and custody, debt and property splitting up, and attorney's fees. These terms are important, so be certain to invest time on them with your lawyer.
You spouse will then file her or his own divorce form in response, called opposing papers, or simply, a response. If you are on this end of the divorce-the response side-be certain to prepare yours within your state's time limits. Some states have strict timelines by which opposing papers must be filed within. Otherwise, you lose your rights to argue your side of the divorce in court.
After both these divorce forms are settled, then the temporary orders are set up to regulate the conduct between you and your soon to be ex-spouse while the divorce is in progress. While this is taking place, the best advice for anyone in separation and divorce is to work toward alternative dispute resolution, meaning an out-of-court settlement. Why? Typically, divorces that go to court are the most messy and difficult, especially for the kids that may be caught in the middle.
During this whole process, possibly the best thing you can also do for yourself is get an experienced and well-respected divorce lawyer. The attorney may cost you more in the short run, but in the long-term side of things, you could save your relationship with your kids, much of your property, and even possibly a friendship with your spouse. A good lawyer will also inform you of your rights under divorce law, helping you to make the best decisions for yourself, your property, and your family.

Cover Your Assets!!!

Cover Your Assets!!!


You’ve worked hard to develop your career. You did it for yourself. You did it for your family. You did it for your retirement. You did it for your family’s future.
You didn’t do it to become a target of some lawsuit designed to take it all away. But unless you protect your assets, you are just such a target.
THE PROBLEM: Litigation Epidemic & Lack of Financial Privacy
LITIGATION EPIDEMIC. There is a litigation epidemic in this country. Predatory contingent fee lawyers file thousands of lawsuits each day, many of them with little or no merit. However, juries are awarding unrealistically high verdicts in many of these cases.
Ever expanding theories of liability continuously fuel this litigation frenzy. Each successful case is a stepping stone for expansion of liability theory. A decade ago people would have laughed at smokers suing tobacco companies, but today it is a reality. The recent recall of the diet drugs Redux, Fen-phen and the pain drug Vioxx has resulted in an explosion of suits suing doctors for prescribing what was a government approved drug.
Also fueling this litigation fever is the modern day version of the “Robin Hood” attitude of “take from the rich and give to the poor.” Suits are rarely brought against someone with no assets or no large insurance policy. In determining whether to sue someone, attorneys will often try and determine whether or not the target of the suit has enough assets to make the suit worthwhile. As discussed in the section below on financial privacy, inexpensive computerized searches can show virtually every asset you own. If the potential pay-off is large enough, a suit will be filed.
Insurance is a two-edged sword. It is a necessary component of all financial planning, but large policies can actually attract litigation. Not only do large liability policies attract litigation, but they can provide a false sense of security. In a substantial number of cases, insurance coverage is NOT available to pay the claim due to policy exclusions for items such as punitive damages, intentional acts, discrimination or sexual harassment. Verdicts have also exceeded the coverage limits of policies that are available, and insurance companies even have gone broke.
Don’t fool yourself by thinking that you will be OK, because you won’t do anything wrong. You don’t need to personally do anything wrong to be held liable for damages. In many cases the person held liable had nothing to do with causing the alleged harm. For example, business owners can be liable for employee sexual harassment and auto owners can be liable for a teenage driver's accident.
Lastly, rarely does anyone with wealth have a trial by a jury of their peers. Successful businessmen and professionals are often able to be excused or find a way to be excused from jury duty. Additionally, they are excluded from juries by attorneys that are trying to “stack the deck” in their favor. Take a look at the twelve people surrounding you next time you are at fast food restaurant and decide whether you want them to decide your financial future.
LACK OF FINANCIAL PRIVACY. Virtually every financial aspect of your life is currently being tracked, categorized, filed, numbered, referenced, documented, qualified, registered, indexed, recorded, listed and archived by private and government sources. This information can be retrieved almost instantaneously through computer searches by government officials, attorneys that want to sue you, and many other persons. If this is not enough, the federal government spends millions of dollars each year on informants. These informants provide information to the IRS, FBI, and other government agencies. Often these informants are disgruntled ex-employees, spouses, neighbors, or other persons that are close enough to you to be able to obtain vital information.
THE SOLUTION: Asset Protection Planning
VACCINE AND NOT A CURE. Unless you take proactive steps to protect your wealth, you stand a substantial risk of losing it. For asset protection to work, the planning must be done in advance of the occurrence of the event that is alleged to have caused the liability. Planning and transactions that occur after an event of liability can be considered fraudulent conveyances, and such planning will only compound your liability. In short, asset protection planning is an effective vaccine, but is not a cure to liability.
ASSET PROTECTION METHODS. In ALL business and estate planning arrangements care should be taken to create effective asset protection. You need to develop an asset protection mindset. Asset protection is a process, not a solitary act. Every good asset protection structure requires diligent maintenance to ensure its function.
Asset protection is accomplished by segregating personal assets from business assets and then segregating assets from liabilities. This compartmentalizing of assets and liabilities is done with corporations, limited liability companies, domestic trusts, offshore trusts and combinations of the same. It also usually includes proper insurance coverage.
Explaining all the tools available to protect your assets is well beyond the scope of this short article. Rather, the purpose of this article is to get you thinking about the need for asset protection and to reach a decision to take active steps to protect your wealth. Asset protection planning needs to be an important portion of your financial plan.
TAX COMPLIANCE. In addition to the pure financial aspect of protecting your assets, there is also a significant mental and emotional component. This component is the “peace of mind” that you get from knowing that you are financially secure. One very easy way to destroy this peace of mind is to get sideways with the IRS. If you intend to adequately protect your assets and your peace of mind, you need to be tax compliant.
Often effective asset protection plans create a perception of hidden assets. This “camouflaging of assets” should not lead you to think that “out of sight” means you do not need to pay all applicable taxes. Taking such a position is tax evasion, and can lead to financial disaster and even criminal prosecution. A properly functioning asset protection structure will be tax compliant and all applicable taxes will be reported and paid.
The power of the IRS is vast and they have the ability to break many asset protection devices. Even if they cannot reach all your assets, the process of an IRS dispute can be mentally and emotionally draining. If you find your asset protection structure under audit or attack by the IRS, you need to immediately retain a qualified tax attorney to represent you.
CONCLUSION. The wealth predators are prowling. They know who you are and they know what you own. One slip can lead to a litigation feeding frenzy. You must protect your wealth or lose it. Develop a defensive mindset in all your financial affairs. Also, protect your peace of mind. Do not slip into the trap of being non-tax compliant. If your wealth is attacked, defend with the best litigation attorney you can find. Likewise, if your affairs are challenged by the IRS, hire the best tax attorney you can find. Cover your assets!!!

Are You Confusing Escape with Comfort, in your relationship?

Are You Confusing Escape with Comfort, in your relationship?


We’re going to talk about some “advanced stuff” today, so I want you to pay careful attention. As you may or may not know, it is very important for a woman to feel a sense of security in a relationship, to feel protected when she’s with a man. This is true no matter how powerful or successful she is, and comes back to what I call defining authority in a relationship.
A woman takes comfort in a man who defines authority in a relationship. She feels secure… and the two go hand in hand IF what you’re providing is what I call “true comfort.” See, way too many people confuse comfort with escape and the consequences can be dangerous. So what’s the difference between the two?
Let’s start with what “escape” means. Escape is really the illusion of comfort… a retreat into a false reality in an attempt to get away from “real reality.” Unfortunately, the consequences of “real reality” still apply. An extreme example, of course, is the drug addict who spends all his time either high or trying to get that way, so he doesn’t have to deal with reality. Of course reality always come crashing down, and the addict has to face the consequences of the decisions he made based on events in his illusion that in actuality apply to reality. Usually these consequences are not good… jail, termination of relationships, health problems, etc.
Now, don’t get the idea I think escape is bad, because it’s not, unless taken to the extreme, and mistaken for comfort in the relationship. I think escape is a fine thing IF you both recognize that’s what you’re doing. In fact, many “special friends” or “adventure partner” relationships are based purely on escape, and that’s a great thing… as long as both people realize that and continue to make reality based decisions, not “illusion based” decisions. But, what often happens is one or both partners mistakes escape for comfort, and starts making decisions based on illusion, not reality. I think many long term relationships go bad for this reason. Can escape be part of a successful long term relationship? Sure, and it should be IF “true comfort” is present. “Special friends” or “adventure partners” can be based purely on escape, but if you want to have a successful long term relationship with a wonderful woman, you must be able to provide her true comfort IN ADDITION to escape.
So what is “true comfort?” True comfort comes from the creation of a different reality, the molding and changing of a current reality to create outcomes which lead to comfort and security. The old reality is changed, not “retreated from.” With “escape” you’re dealing with two versions of reality: reality itself and “illusion of reality.” With comfort you’re creating, changing, molding, and shaping your own reality. When you are aware of this distinction, and controlling the direction, your relationship improves on many levels.
True comfort in a relationship comes only from true strength. Only a truly strong man can create his own reality. And true strength comes from sound mind, true character, desire and the willingness to pay the price to create that comfort for her and for you. That means, learning, studying, reading and working on “reality creation”… developing the ability to create your own outcomes with attraction, with money, with your health and with your relationships. When you can do that, you will achieve fulfillment.
When she knows you can create a reality for her and you in these areas she will feel true comfort, even if she herself is already capable of creating these things for herself. Why would a “capable woman” settle for an “incapable man” who can provide only escape, not true comfort? The answer is, she won’t, at least not for long. She may indulge herself in escape for a bit, but when the escape is over and it’s time to get back to reality, she’ll continue her search for the MAN who provides her with true comfort in the relationship she wants.
The lesson is this: if you feel you’re ready for a long term relationship with a wonderful woman who makes every part of your day brighter, you must be strong enough to create true comfort for her. If not, you will only create escape, and your time with her will be momentary. Escape is great for some things, even as part of a long term relationship, but not as its foundation. When it’s true comfort you’re providing her she will stay with you until the end… and beyond.

Men’s Moissanite Wedding Rings: A New Choice for the Modern Groom

Men’s Moissanite Wedding Rings: A New Choice for the Modern Groom


Explore the new trend in wedding jewelry — men’s moissanite wedding rings. Men are becoming increasingly savy about their choice of wedding jewelry. Many grooms wish to create a unique yet affordable look by exploring different stones and metals. Men’s moissanite wedding rings are an attractive and economical alternative to the traditional diamond wedding band.
Moissanite is an increasingly popular choice for men’s wedding rings. Though less expensive than the diamond, moissanite is so similar to the diamond in appearance and properties that even those with a trained eye may have trouble distinguishing them. Manufacturers claim that moissanite actually sparkles more than a diamond, and is almost as hard.
Moissanite was first identified as a rare natural substance in meteorites. In the late 1800’s, Dr. Henri Moissan, discovered the substance associated with a fallen meteor in Arizona. However, it is only recently that moissanite was available for purchase. Today, moissanite gemstones are synthetically produced for jewelry. Moissanite’s durability and resistance to heat make it easy to work with for jewelers. Many people are drawn to the stone’s original “otherworldly” origins, and diamond-like appearance.
Men choosing a Moissanite wedding ring can have the look of diamonds without the exorbitant price. Indeed, the groom can splurge on bigger stones and a more dramatic look by choosing the less expensive material. While less expensive, moissanite is a quality stone that is typically set in gold or other precious metals.
Charles & Covard is the only manufacturer of moissanite. JC Penney now sells the line, calling it “one of the fastest growing choices for jewels today.” Moissanite rings come with a lifetime warranty, and will endure the years of marriage as well as a diamond.

Wednesday, November 30, 2005

Waste Water Treatment

A standard wastewater treatment train would typically consist of a primary clarifier system to remove solid and floating materials, a secondary treatment system consisting of an aeration basin followed by flocculation and sedimentation or an activated sludge system and a secondary clarifiers, a tertiary biological nitrogen removal system, and a final tertiary disinfections unit. The aeration basin/activated sludge system removes organic material by growing bacteria (activated sludge). The secondary clarifier removes the activated sludge from the water. The tertiary system is becoming more prevalent to remove nitrogen and phosphorus and do final disinfections of the water prior to its discharge to a surface water stream or ocean outfall. Before reentering into a body of water, the wastewater gets treated under a multi-stage process that are stated in discountreverseosmosis then only the water gets renovated and it is used for application. The process is the removal of wastewater pollutants, organic matter, disease-causing organisms, solids and nutrients.Most wastewater is treated in industrial-scale wastewater treatment plants, which may include physical, chemical and biological treatment processes. However, the use of septic tanks is widespread in rural areas, serving up to one quarter of the homes in the U.S. The most important aerobic treatment system is the activated sludge process, based on the maintenance and recirculation of a complex biomass composed by microorganisms able to degrade the organic matter carried in the wastewater. Anaerobic processes are widely applied in the treatment of industrial wastewaters and biological sludge. Some wastewater may be highly treated and reused as reclaimed water. For some wastewaters ecological approaches using reed bed systems such as constructed wetlands may be appropriate. Modern systems include tertiary treatment by micro filtration or synthetic membranes. After membrane filtration, the treated wastewater is indistinguishable from waters of natural origin of drinking quality.

Sunday, November 27, 2005

Painting Mediums

Paint and paintings materials differ depending up on the place where it is to be painted whether it is an interior painting or exterior. Interior paintings basically use materials such as oil paint, water colors, wooden board, fabric etc where as exterior paintings involves using water resistant base and mediums.

Thursday, November 17, 2005

Distiller Water Filters

Water distillers use electricity to heat tap water to boiling point. Generally the Impurities are left in the container and the purified contents go back to a clean container. They need a higher level of efficiency and cannot give immediate supply, because the boiling process must be over before water is present. There are a number of reports in http://www.water-filters-purifiers-softeners.com/ that distilled water is not fit for health because it takes away nutrients from the body, being the most 'unnatural' of water.

Ionized Water Filters
These are generally filtered using an acid and an alkaline. They run between the positive and the negative ends of the electrodes and get the charged and acidic water. They are formed using 70% alkaline water and 30% Acid water. Alkaline and Acidic waters have unusual properties and benefits, but anyway their respective uses could not be more different.

Back flush Water Filters
They are costlier compared to charcoal filter units, but justify this by their claims of longevity. They are highly durable and efficient.

Wednesday, September 21, 2005

Orlando villas

Sitting here in early August gazing at the grey English skies makes me long to
return to sunnier climates. My thoughts turn firmly to Florida and I find myself
browsing for Orlando villas to rent on orlando
villas.

I remember my last trip as if it was only yesterday, especially my close encounter
whilst absorbing one of Central Florida’s natural attractions, the swamps.


Although we were staying in an Orlando vacation rental home which are mainly
filled with out-of-state tourists, I bumped into a local called Carl who was
working for www.wireitright.com who suggested that our families meet up one
Sunday afternoon at a country park about 30 miles North West of Orlando. Eager
to see more of Florida’s natural beauty, sure enough one week later we
found ourselves heading up to Wekiva. We met with our new friends and decided
to rent some canoes and head north upriver.


The shallow river was fairly dense with fallen trees and navigating them was
difficult. Whilst rowing with one ore and two you kids was hard-work heading
up-stream, the current made it fairly easy to control the canoe and navigate
the tight corners. As we passed one particularly hairy tight spot, a 7ft alligator
was clearly visible. The kids, aged 4 and 5, were already on the lookout for
alligators and they fell very silent as we passed.


Eventually we found a sand island in the middle of the river and stopped for
refreshment. My 4 year old picked up a stick that was floating down-stream.
When he asked me why the stick was moving I shouted to him to drop it, fortunately
it looked like it was just a water snake.


I need some excitement in my life again, time to fins another Florida vacation
villa for rent on fabvillas. If I can, I’ll try to stay at Emerald
Retreat again as it was a wonderful villa with everything that I could have
dreamed of, details can be found at emerald island florida.

Tuesday, September 20, 2005

WLAN

A wireless LAN or WLAN is a wireless local area network that uses radio waves as its carrier: the last link with the users is wireless, to give a network connection to all users in the surrounding area. Areas may range from a single room to an entire campus. The backbone network usually uses cables, with one or more wireless access points connecting the wireless users to the wired network.
WLAN is expected to continue to be an important form of connection in many business areas. The market is expected to grow as the benefits of WLAN are recognized. Frost and Sullivan estimate the WLAN market to have been 0.3 billion US dollars in 1998 and 1.6 billion dollars in 2005. So far WLANs have been installed in universities, airports, and other major public places. Decreasing costs of WLAN equipment has also brought it to many homes. However, in the UK the exorbitant cost of using such connections in public has so far limited use to airports' Business Class lounges, etc. Large future markets are estimated to be in health care, corporate offices and the downtown area of major cities. New York City has even begun a pilot program to cover all five boroughs of the city with wireless internet.
Originally WLAN hardware was so expensive that it was only used as an alternative to cabled LAN in places where cabling was difficult or impossible. Such places could be old protected buildings or classrooms, although the restricted range of the 802.11b (typically 30ft.) limits its use to smaller buildings. WLAN components are now cheap enough to be used in the home, with many being set-up so that one PC (a parent's PC, for example) can be used to share an internet connection with the whole family (whilst retaining access control at the parents' PC).
Early development included industry-specific solutions and proprietary protocols, but at the end of the 1990s these were replaced by standards, primarily the various versions of IEEE 802.11 (Wi-Fi) (see separate articles) and HomeRF (2 Mbit/s, intended for home use, unknown in the UK). An alternative ATM-like 5 GHz standardized technology, HIPERLAN, has so far not succeeded in the market, and with the release of the faster 54 Mbit/s 802.11a (5 GHz) and 802.11g (2.4 GHz) standards, almost certainly never will.
The lack of default security of Wireless connections is fast becoming an issue, especially in the UK, where many Broadband (ADSL) connections are now offered together with a Wireless Basestation/ADSL Modem/firewall/Router access point. Further, many laptop PCs now have Wireless Networking built in (cf. Intel 'Centrino' campaign) thus eliminating the need for an additional plug-in (PCMCIA) card. This might even be enabled, by default, without the owner ever realising it, thus 'broadcasting' the laptop's accessibility to any computer nearby.
The basic security used for a WLAN was originally Wired Equivalent Privacy (WEP), but this was shown to provide minimal security due to serious weaknesses. The alternate Wi-Fi Protected Access (WPA) security protocol was later created to address these problems. Since then software solutions such as SSL, SSH, and various types of software encryption have become the prefered methods of securing wireless information transmission.
Modern operating systems such as Linux, Mac OS, or Microsoft Windows XP as the 'standard' in home PCs makes it very easy to setup a PC as a Wireless LAN 'basestation' and using Internet Connection Sharing allows all the PCs in the home to access the Internet via the 'base' PC. However, lack of expertise in setting up such systems often means that someone nearby, such as a next-door neighbor, may also share the internet connection. This is typically without the wireless network owner's knowledge; it may even be without the knowledge of the user (the neighbor) if his computer automatically selects a nearby wireless network. Nowadays it has become etiquette to leave wireless access points open for others to use just as one expects to find open access points while on the road. This freely sharing of bandwith is the basis of free wireless community networks which are often considered the future of the internet.
The frequency which 802.11b operates at is 2.4GHz, which can lead to interference with cordless phones on the same frequency. If one wants to use a cordless telephone on the same premises, one should ensure that the cordless set uses a different frequency, such as 900Mhz or 5.8 Ghz. However, any wireless router has the ability to operate in different channels. Using channel 11 is most often the best situation for a wireless access point.
There are two possible types of operation:
Peer-to-peer or ad-hoc mode This mode is a method for wireless devices to directly communicate with each other. Operating in ad-hoc mode allows wireless devices within range of each other to discover and communicate in peer-to-peer fashion without involving central access points. This is typically used by two PCs to connect to one another, so that one can share the other's Internet connection for example, as well as for wireless mesh networks. Infrastructure mode This mode of wireless networking bridges a wireless network to a wired Ethernet network. Infrastructure mode wireless also supports central connection points for WLAN clients. A wireless access point is required for infrastructure mode wireless networking, which serves as the central WLAN communication station. This is typically used by a stand-alone base-station (such as a Broadband/ADSL connection box).

Saturday, September 17, 2005

Dams

In places where the elevation changes of a river are great, dams for hydroelectric plants and other purposes are often built. This disrupts the natural flow of the river, and creates a lake behind the dam. Often the building of dams affects the whole of the river, even the part above the dam, as migrating fish are hindered (see fish ladder) and waterflow is no longer bounded by seasonal changes. Dams are useful in many ways, such as providing HEP, acting as regulator of river flow so as to regulate the occurence of flooding, which is especially important to wet-rice agriculture, and also to improve navigation and transport on the river. Often, dams such as Hoover Dam along Colorado River become famous tourist attractions. However, critics of dams, especially 'Green' advocates, argue that dams remove upper-river biodiversity such as through deforestation and forced migration of rural villages and indigenous tribes. Furthermore, trapping of river sediments behind the dams lead to salination and loss of nutrients for down-water fish. It also raises concern of eathquakes due to instablity of incompetent dams which have to support thousands of tonnes of sediments behind them. One very famous, and problematic, dam is the Aswan High Dam in the Nile.

Stream

A stream is a body of water with a detectable current, confined within a bed and banks. Stream is also an umbrella term used in the scientific community for all flowing natural waters.
An analogy is often drawn between time and a stream; see timestream.
The study of streams and waterways in general is known as surface hydrology and is important in environmental geography or environmental geology.

River

A river is a large natural waterway. It is a specific term in the vernacular for large streams, stream being the umbrella term used in the scientific community for all flowing natural waterways. In the vernacular, stream may be used to refer to smaller streams, as may creek, run, fork, etc.
Passage via a river or stream is the usual way rainfall on land finds its way to the ocean or other large body of water such as a lake. A river consists of several basic parts, originating from headwaters or a spring at the source, that flow into the main stream. Smaller side streams that join the river are tributaries. Water flow is normally confined to a channel, with a bottom or bed between banks. The lower end of a river is its base level, commonly called its mouth, a river typically widens at its end and forms what is known as a delta or estuary.

Tuesday, March 08, 2005

hi

In ancient times river transport was common, but rivers were often too shallow to carry anything but the smallest boats. Ancient people discovered that rivers could be made to carry larger boats by making dams to raise the water level. The water behind the dam deepened until it spilled over the top creating a weir. The water was then deep enough to carry larger boats. This dam building was repeated along the river, until there were "steps" of deep water.
This however created the problem of how to get the boats between these "steps" of water. An early and crude way of doing this was by means of a Flash lock. A flash lock consisted essentially of a small door in the dam, which could be quickly opened and closed.
When the gap was opened, a torrent of water would spill out, and the boat would be hauled through the opening against the water current with ropes, and when the boat was through, the opening would be quickly closed again.
This system was used extensively in Ancient China and in many other parts of the world. But this method was however highly dangerous, and risky, and many boats were deluged by the torrent of water.
The type of lock seen today is known as a Pound lock as described earlier in this article, which work by raising or lowering the water level within a double gated pound. It is believed that this type of lock originated in Medieval Europe.

hi

A canal lock or navigation lock is a device that lifts or lowers boats, barges or other vessels from one water level to another. Locks used on canals allow the negotiation of hills without recourse to lengthy detours, or the use of tunnels or aqueducts. The same kind of locks are used on rivers, often in connection with dams since there is generally a difference in water level between the upstream side of a dam and the downstream side.
A lock traditionally consists of two pairs of oak or elm gates placed one after the other along a navigable channel of water. Modern commercial locks consist of large steel gates but use essentially the same swinging gate design, with the exception of some low head locks that use sliding gates (see Kiel Canal) The system operates in much the same way as an airlock but acts between two levels of water as opposed to two levels of air pressure.