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When you're in grief or adjusting to life without your loved one, it's best to stick to a plan. Focus on the day to day tasks of life. This will be a lot easier if you have a good idea of how to budget the death payout.

USE THESE 10 TIPS TO PLAN AND SPEND MORE WISELY
#1: TIE THE LOOSE KNOTS AND DOT THE I'S
You'll want to close any accounts and credit cards that your benefactor may have had. Look through all the documents and financial accounts to find out what these are and get all the work out of the way.
Here's a list of what most people have to close:
- Credit cards
- Bulk food memberships
- Club memberships
- Gym membership
- Newspaper and magazine subscriptions
- Cell phones

#2: FIGURE OUT WHAT THE SOCIAL SECURITY SITUATION IS AND SETTLE IT
You may have some paperwork to do if you wish to collect on the social security. The government will supply a representative to help you. The number to contact is (800) 772-1213. Have a look around at SSA.gov for more information.

#3: MAKE SURE THE BENEFACTOR'S EMPLOYERS MEET OBLIGATIONS
If you are a spouse or legal partner, you may be able to collect benefits. You should review any documents or an employee handbook to see the company policies.
Ask yourself:
- Are there any due paychecks, unpaid bonuses, or commission?
- Did the company have a life policy or any sort of insurance?
- Can you continue receiving medical insurance?

#4: MAKE A LIST OF RECURRING COSTS
To determine how much money you should allot for each month, start by listing all of the recurring costs you will have. Energy bills, food, mortgage payments, taxes, insurance payments, and so forth.

#5: ASK FOR HELP
Take friends and relatives up on offers for help. Even a break from chores will help.

#6: KEEP UP APPEARANCES
Take it easy on yourself, but don't retreat from the world entirely. After some time, it will help to do the little things, like getting haircuts and doing hygiene rituals. Download video 3gp skandal sma 17tahun gratis. Get out and take walks.

#7: CONSIDER GRIEF COUNSELING
A regular grief therapy session can be a good investment. Instead of struggling on by yourself, it is best to learn how to adjust with the help of a professional. Your loved one wouldn't want you stuggling any more than you need to, so seek out a good therapist.

#8: TAKE A VACATION
It's a wise use of resources. Use the time to breath, cry, adjust, rediscover yourself, build a friendship, and have fun. The world will be easier when you get back.

#9: SETTLE YOUR OTHER INSURANCE ISSUES
If you will not continue receiving the previous health insurance, make arrangements for a new policy. Medicare may be an option for you.
If you and your spouse had joint medical coverage separate from an employer, make sure you inform the insurer of the death and arrange a new policy. 
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#10: THINK ABOUT YOUR LIFE INSURANCE
Make sure your life insurance is all set. If you realize mistakes were made, make sure you don't make that mistake for your loved ones. Life insurance is about doing your best to prepare others for the future.
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Posted on 19.49 / 16 komentar / Read More

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Women of all ages and regions are beautiful. This doesn't only apply to the perfectly shaped models, picture perfect actresses or those who feature in the cover magazines. Many women long to get that model-like waist or hips, but the truth is that beauty lies in different sizes and shapes. No woman can have exactly the same statistics like the other. Instead of longing to have a figure like someone else, you can work on what you have to make the best out of it. An amazing way to flatter you body type and hide your flaws is to try smart tailoring services.
Whether you are slightly overweight or thinner than average, you can make the best use of custom tailoring to flatter you body and look your best. In this article, we will discuss something that will help you dramatically change your overall appearance - perfect tailoring.

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Women who are pear-shaped should buy black fabrics when wanting to get blouses stitched. The influence of the color would make you look slimmer. You can also try sleeveless designs by opting for the custom tailoring services. It is recommended that you wear skirts and dresses of knee-length, and avoid buying any fabric that clings to the body ABG SMA, Skandal ABG SMA, Skandal SMA 3gp, SMA ML 3gp, Anak SMA Nakal, SMA, Skandal, SMA Oral 3gp, video 3gp ml..

Women, who are plus size should ensure that they wear clothes that fit them well. When you wear bulky clothes it makes you look more overweight than you actually are. With custom tailoring, you should be able to meet your requirements well, and custom make dresses that hide the unflattering parts of your body. ABG SMA, Skandal ABG SMA, Skandal SMA 3gp, SMA ML 3gp, Anak SMA Nakal, SMA, Skandal, SMA Oral 3gp, video 3gp ml. The fabric you choose and the tailor, who works on it, have a major role in determining how the outfit looks on you, so make your choices carefully.
Posted on 03.44 / 22 komentar / Read More

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Beauty has Become an Obsession
The insecurities of being a woman are many indeed. There is an unspoken and sometimes spoken expectation to be beautiful, sexy, thin, and have a perfect body. The standards are so high that no woman could possibly live up to them, but that doesn't stop us from trying.
I used to wake up and feel good about myself. I used to wake up and be happy with how I looked, happy with my body. There was a time when I didn't even obsess about it, much less think about it. Now it is in every waking thought. What should I eat? What should I wear? How should I wear my hair? What should I buy? How is my make-up? It is exhausting. And every woman knows it. I want to wake up again and throw my hair up and it look good. I want to put on my clothes and know they are flattering. I want to feel sexy and beautiful, but most of the time it is a constant battle. Every woman I ever see I look at her and start the comparisons....fashion sense, hair style, body type, personality. It's an awful thing to do but every woman does it...most of the time without even realizing it.

Your Own Worst Critic is Yourself
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Women tear themselves down, judge themselves and we truly are our own worst critic. We need that "pick-me up" that compliment, we need someone to say "you are beautiful" and mean it. Because sometimes all the pressures and expectations in this world are enough to make us sit down and cry and just give up all together. A compliment for me is like a waking up to an amazing cup of coffee...it totally makes my day. I am a total sucker for a good old fashion genuine compliment.

Perfection Doesn't Equal Happiness
Because the truth is, we will never measure up because that standard is an impossible one. It is a figment of our imagination that tells us if we get there, if we have a perfect body, great hair, fashion, and sex appeal then we will finally be happy, we will finally have the marriage we want, the relationships we want, and the peace that we are all so desperately after
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Give Yourself a Break
There are days when I feel like crap. Days when my hair doesn't do what I want it to, days when my pants don't fit right, my face is breaking out, and all I want to do is put on my sweatpants, eat chocolate, and watch chick flicks. And I can honestly say, women need to have those days. We need to have those days where we just don't have to try because it is exhausting.

Getting Ready is Harder than you Think
I can't roll out of bed and look beautiful. It takes time, effort, and skill to put together an appearance that is socially acceptable. I get up in the morning and just stand in front of my closet trying to decide what I can wear that will make me look sexy, feel good, but feel as comfortable as sweatpants...I have yet to find that outfit, but that doesn't stop me from searching every single morning. I worry about things like what color will look good on me, what outfit will flatter my shape without making me look too pudgy, short, or frumpy. What outfit will transform me into Cinderella?

Feeling Guilty about Food
Then there is the pressure on what to eat? What to eat for breakfast? Oatmeal and a banana doesn't sound good when it's up against its ever so delicious rival the donut. But then I think, what is going to make me lose weight, the oatmeal or the donut? Then comes lunch, and instead of a burger and fries, which is what I really want, it's a salad and water...yummmm.... So then about twenty minutes after lunch I am starving and by the time dinner rolls around I feel hungry and crabby and then all I really want is pizza and breadsticks. But that's not the healthy choice either now is it? So I either give in and eat the pizza or I eat another tasteless substance-less meal and go to bed hungry and start all over again the next day. I ask myself what is going to make me feel better...eating the pizza or being thin? The whole woman-food relationship is incredibly unhealthy. I want to eat what I want when I want and not feel guilty about it.

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Now let me pause for a second and explain the actual facts. I'm not fat, nor have I ever been. I am healthy and should be happy with how I look. But it was one of those days and I was in one of those moods and nothing was helping. But that is how we as women get and I bet every single one of you can relate. You know exactly what I am talking about and how those days feel.

It's a Never Ending Battle
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Posted on 03.56 / 13 komentar / Read More

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Between Dream and Reality
New ideas emerge that challenge the monopoly of a greedy clothing industry - which, according to reformers, had never understood the female body and viewed it only as an erotic and decorative object - and contribute to fashion and lifestyle reforms.


1900 - 1914
"HOW OFTEN HAS ART INSPIRED FASHION, AND DOES NOT THE NEW ART MOVEMENT - THE VIENNESE SECESSION - HAVE A SOURCE IN FASHION?" (WIENER MODE: 1898)

Woman as a Flower
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At the beginning of this century, Woman stood conscious of her dignity wrapped in the opulent armor of her robe, her figure pressed into a grotesque S-bend: breasts pushed outward into a sweeping curve, while an exaggerated, projecting bottom curved in the opposite direction as a counterweight beneath the tightly corseted waist and flat abdomen. This look included hip-hugging skirts which fanned out toward the ground, very long and narrow sleeves, extremely high stand-up collars, trains, well-coifed hair and rolls of pinned-up, wavy hair beneath overly decorated, dramatically draped hats made of chiffon, chine fabrics, silk alpaca, velvet, and lace.
The greatest innovations in the ball gowns of 1848 were long-stemmed, stylized flowers, colourfully embroidered borders and decorations that had an upward movement. An unprecedented passion for decoration characterised this time: corded embroidery, applique, lace inserts, glass beads, sequins, frills, and pleats covered women like a glossy, flickering web.
Another newly formulated inspiration shared by art and fashion surely lay in the erotic images and new ideas of feminine beauty: thick, flowing hair was replete with symbolic meaning for the Secessionists, and fashion too, laid great stock in full-bodied, curly hair tied into a loose knot and pinned at the back of the head. The Viennese artist Gustav Klimt (1862 - 1918) painted portraits of women that symbolically united art and life through a feminine yearning to stand above everyday concerns in a Madonna-like attitude wrapped in untouchable beauty. Klimt's images seamlessly merged ladylike dignity and sexual availability
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.
 Around 1900, the entire female body was treated like a decorative or bejeweled objects-erotically stylised, deformed, and estranged from its biological function by a profit-seeking clothing industry. Fashion and femininity were inextricably linked. Already in the 1890s, designers had tried to establish the aesthetic principles of asymmetrical composition in ladies' fashion. Fashion not only expressed the asymmetries between social classes; it also mediated the inequalities between men and women.
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Surveying the history of twentieth-century fashion in 1993, fashion historian Barbara Vinken defined a "fashion after fashion" which subscribed to an aesthetic of poverty, of the sentimental, of kitsch, or of poor taste: "While fashion had invented 'the woman' for over a hundred years, a 'fashion after fashion' began to deconstruct that self-same woman; while fashion initially hid its art, it now begins to also display its bag of tricks."
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The football crazy city of Manchester is home to not one but two great football teams. The Manchester United Football Club is by far the more popular one although Manchester City also has a lot of supporters. The city is very clearly divided into red and blue factions when a match is played and supporters come out in full strength in order to cheer on their teams with a variety of football cheers and chants, with the Reds clearly trumping the Blues in every way.

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Many people say that what separates Manchester United Football Club and its rival from the same city is the basic culture of the club. Man Utd is a club that commands immense loyalty from its players and supporters whereas City is simply not able to do this. Sir Alex Ferguson has had a big hand in how United behaves as a club and it is his firm yet considerate handling of all the people around him that makes the club what it is. There are many players who move on from United when they get better offers but they always maintain a fondness for it because of its culture of loyalty.
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Manchester United Football Club might be having a lot of difficulties with its owners but there is no denying the fact that this is a club that values human relationships a lot. It is this that ensures that its supports fill the stands whenever it plays a match. City, on the hand, seems to suffer from an identity crisis and it is also unable to command a great deal of loyalty. It remains to be seen how City can handle the crisis it has faced for a long time now and try to bridge the gap between it and Man Utd.
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There are two clubs that vie for the distinction of being called the greatest ever English football club. They are Manchester United Football Club and Liverpool, each of which has had a wonderful track record. The fans of each club have no doubt about which one is the greatest and this leads to many confrontations between these two groups. While the arguments are mostly always verbal, it has to be admitted that the two opposing sides can even come to blows; such is the amount of loyalty and passion commanded by each team.

At the very outset, it is interesting to note that both teams have amazing track records, having won more than 50 major football trophies each over the years. There was a time when Liverpool was at the pinnacle of English football. This was during the '70s and the '80s but the Merseysiders' club has now been eclipsed by the Manchester United Football Club over the last two decades. However, if you were to look at the big picture you would be hard pressed to say which club has been the greatest one ever.

The Red Devils have had an edge over the Merseysiders of late, thanks to stunning victories such as the 2010-11 season of the Premier League, which took their domestic wins to a record 34. Manchester United has kept England's flag flying high in Europe as well, having been European champions 3 times. However, Liverpool has a better score here, having won it 5 times.

Where Liverpool loses out to Manchester United Football Club is that it simply cannot command the kind of passion, complete with unique and vociferous football cheers and chants, which the latter team can. Liverpool is an immensely popular team but it does not have the kind of recognition that Man Utd commands all over the world. It has been said that Liverpool plays like a well-oiled machine whereas the Red Devils bring a lot of passion and spirit to the game which makes it a far more compelling team to watch and follow. In fact, Manchester United has always been able to grab a lot of attention because of the activities of its flamboyant players on and off the field, even during the period when Liverpool was winning more titles.

Liverpool seems unable to break out of the rut it is in. If it continues like this then Manchester United Football Club will definitely be the greatest team ever.
Posted on 22.07 / 10 komentar / Read More
 
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