Don’t Be Afraid to Do Nothing

First off, let’s start by explaining that article title. By doing nothing, we do not mean slacking off at work. Not in the least. Your interval of doing nothing starts when your responsibilities are finished for the day. All of us get so wound up by being on a nonstop treadmill during most workdays, it can be tough to come home and unwind because we are often heading right into another series of responsibilities.

However, it is imperative that you get that downtime in order to rest and recharge your batteries. It is common for many workers these days to experience information overload. You know what we mean: emails, phone calls, meetings, instant messages…the list goes on and on and so do the demands made of your attention. That can lead to fatigue, errors, and even eventual burnout.

Staying on top of things at work (or, at least, looking like you are) has become extremely important to some people. But the truth is that instead of always doing more, sometimes you really should be doing less. That time you use to regroup, contemplate, and slow down can be very beneficial for your creative processes. That way, you can think more clearly and fully tap into any inspiration that comes your way.

Not having someone constantly vying for you attention can allow your thoughts to wander in interesting ways. Free association might be seen by some as a waste of time, but it can actually open a doorway into a new avenue of thought that leads to exciting possibilities you would not have considered otherwise.

So even using the term “doing nothing” can be relative. What if your “nothing” leads to a new chapter in your life? We would call that an investment of time in your future and that is certainly a good thing, yes?

Why Do People Avoid Going to the Doctor?

Whether you are the type of person who is casual about their health or the type who is hyper vigilant, the vast majority of us see our general practitioner at least once a year for a physical. Sometimes we have to go more often than that because of an illness or unexplained health condition. However, you will occasionally run into people who brag about the fact that they never go to their doctor. Sometimes there is a legit reason for that; there are people who rarely ever get sick. But there are also others who do not go simply because they do not want to or they are afraid to. Here are some reasons why some folks do not go to the doctor:


Depending on which area where you live, and whether your job offers health insurance, you may have to pay out-of-pocket for a visit to the doctor. As sad as it sounds, and as important as a person’s health is, some people just do not have the money to spare for even one appointment.


Even if they can afford the appointment, some people fear that seeing the doctor will reveal they have a significant health problem. Some people would rather just not know, even though early detection of some problems can solve them. Of the two sexes, men are less likely to go to the doctor, even though they are historically known to be the braver gender. Also, people with vices that tend to cause health issues, such as smoking and alcoholism, are less likely to see a physician.

A different relationship with physicians

In years past, many people had a family doctor that they went to for generations. That sort of relationship is rare nowadays, and as a result, the same level of trust is no longer there.


How to Make Productive Use of Spare Time


Many of us do not have a lot of spare time in our lives, but there always seem to be things that need our attention. Since science has not figured out a way to clone people, we will have to figure out how we can do everything that needs doing, despite being only one person.

We don’t have a full answer for that question, but you can always try to make better use of the time you do have available. Here are some suggestions on how to do this:

Make a List and Check It Twice

Always having trouble keeping track of what you want to be doing? Use some of your downtime to create a comprehensive list and also make note of when you think you might be free to work on these issues.

Clean Up Your Desktop

This can be your computer desktop or your actual desktop. Either way, life is simpler and more productive when things are neatly organized and easily accessed.

Turn Off Your Phone

This can be your cellphone or a landline. Sometimes we need time to ourselves with no interruptions. Unless the building is burning down, everything else can wait for a bit.

Update Your LinkedIn Profile

Even if you are not currently looking for a new job, it never hurts to keep your LinkedIn profile updated. That goes double for your résumé and list of references.

Clear Out Those Emails

We all have messy email inboxes that never seem to get cleaned up. It ain’t glamorous, but here is your chance to bring a little order to electronic chaos.

Go for a Walk

Most people don’t get enough exercise in their lives and going for a walk at least 30 minutes per day can make a major difference in your health, especially if you have a sedentary job.

Benefits of Prefabricated Homes

Building a home is a monumental time in anyone’s life—especially if it just so happens to be your first home after renting for a long time. Building your own home provides a lot of choice, opportunity, and personalization, which can not only become overwhelming emotionally, but also costly to your wallet. This is often where beautiful prefabricated homes come into play. Lets review some of their significant benefits now:

Impact on the Environment

When you have a prefabricated home, both during construction as well as after, you can reap the rewards from a lessened impact on the environment. The fact that they are prefabricated means there is far less material waste, which means less strain on landfills and the overall environment. In addition, you can actually have prefabricated green homes in some cases, which means you can reap the rewards long after the home is finished and you are living in it.

Reliable Construction Schedule

Royal Homes are Ontario home builders, and with their expertise comes the significant benefit of a reliable construction schedule for all prefabricated homes. Since their homes are constructed in a facility rather than on the land, they are able to avoid delays from inclement weather, season changes, et cetera. Thus, workers can continue building even with a thunderstorm raging on outside. Not only will this provide a far more accurate idea of when the house will be ready to live in, but it also leads into the third benefit in this article.

Affordable Construction Costs

Building a home can get very expensive when you consider delays in construction, unforeseen material costs, et cetera. This is not the case with prefabricated homes. As you know from the previous benefit, prefabricated homes come with a reliable construction schedule free from the common delays due to weather and seasonal changes. Thus, you know you won’t have to wait and pay for things during a delay: there won’t be one in the first place.

You will also know all of the material needed for each prefabricated home, since they are based on templates. This means a dramatic reduction in unforeseen material requirements.

The Charm Of Southern Hospitality

Impressing a client by taking them to a restaurant and plying them with wine is no more an acceptable way of attempting to win friends and influence people. That particular form of schmoosing has been well and truly consigned to the ashcan of history. Nowadays potential customers expect something a bit different and whatever you choose is a reflection on you and what your business has to offer then, it’s vital you make the right decision.

Housing an impressive ten function rooms, VIP suites, 150 executive boxes, and a health club, guests at the stage have a chance to really savor the atmosphere. The suites and executive boxes offer superb views of match action. The services available to hospitality ticket holders make the whole day extra special.

Talking About Southern Hospitality..

The field of corporate hospitality has increased in recent years to take account of the need for individual and sometimes bizarre requests that companies are making when it is a question of impressing customers. One of the most popular is Rugby Hospitality. Since becoming a professional sport in 1996 every appearance of the sport has improved and as a consequence it has become as popular as football and cricket. You are going to love this, online applications for fast approval payday loans in Atanta.

Playing standards have improved and a new breed of athlete has arisen in the rugby world. Players are now fitter, stronger and faster. As a consequence of the level of play on the pitch has achieved a level it could once only dream of. Many people now regard the game as the most entertaining in the world.

Attendances have risen, facilities have vastly improved and the game has stepped into the 21st century with renewed vigor and potential. It’s no wonder that many companies are now looking at Rugby Hospitality as a way to impress clients.

Rugby Hospitality also has a factor inherent in it that several other sports don’t possess. The public’s consciousness hasn’t become saturated with the sport or stale due to over exposure. It still retains that special quality that gives it the edge over other sporting events; exclusivity.

Of course there are weekly games that offer Rugby Hospitality and they’re proving to be increasingly popular due to the Success that British and Irish teams are having in the European Cup. Top teams like Bath and Leicester are able to attract big foreign names as well which increases attendance and ups the entertainment value.

But it’s perhaps since the 2003 World Cup in Sydney when England famously won the World Cup with a Johnny Wilkinson drop goal that the Rugby Hospitality market has really gone through the stratosphere. International rugby matches have never been so popular.

Rugby matches regularly take place between southern and northern hemisphere sides; New Zealand South Africa and Australia are regular visitors to the British Isles and there is fierce rivalry between the two camps. Beating a southern hemisphere side is seen as a huge achievement by any team and tickets for such games are difficult to come by.

One of the attractions of looking at Rugby Hospitality as a way of promoting your business is that these tickets become easier to get hold of as they’re one of a package deal. The fact that you’re able to obtain such tickets can only reflect well on your business.

Next but by no means second in the area of prestige there is the Six Nations. The annual competition between England, Ireland, Wales, Scotland, France and Italy never fails to impress. The talent on display in a number of these matches is the better in the world and part of the encounters take on legendary status.

There’s no better way to impress a potential customer than giving them an occasion to see history being made. That’s often what you get with a Six Nations Game.

With a number of different events and packages available Rugby Hospitality is a great way to impress clients and gain an edge over your competitors.

Responsible Actions With Child Support

Most divorced/single fathers must pay child support at some point. However, they have little understanding of the question, nor do they fully understand how it affects their lives, and the lives of their children. They lack the cognition of all their options, AND RIGHTS. And, if you would like more statistics posted about this topic, visit; paying child support in Georgia.

The parent with which the children do not live is required to pay money to the custodial parent for the help of the children. Courts might order child support to carry on past the age of 18 for children who’re attending college or a trade school. If a child is disabled, child support may be ordered to continue ad infinitum.

Holy cow …

Since the late eighties, the Federal Government has required each state to implement some form of guidelines to assist in the creation of the amount of child support ordered to be paid in Dissolution of Marriage cases, or Paternity cases.

More On This Topic

States throughout the country have adopted varying models to establish child support. Some use a percentage of the non-custodial parent’s income; others base child support on each parent’s percentage of their combined gross parental income.

The first step in the creation of the appropriate amount of child support for your case is to learn what method your state, or the state of jurisdiction, uses. Obtain copies of the relevant child support charts and forms. You can usually have a copy of the guidelines from your county’s Circuit Court Clerk, but may also be available on the state website. A review and amendment of the guidelines are performed every 4 years, so make that you have the current version.

Some states set the age standard 18; parents will cease to be liable for the child support when the child turn 18.some States allow it till at he age of 19.Some states want to make sure the child receives support until his or her 21st birthday.Other states allow that the parents won’t be necessary to pay for child support when the minor is graduated from high school.

There are many factors used in child support calculation have a significant effect on the amount to be paid like-depend upon monthly income of the parents, cost of medical insurance for the child, day care cost for children the age of the children. Many custodial parents find themselves in a real financial predicament when the noncustodial parent refuses to pay child support.we at the calchildsupprtlaw take task of enforcing child and spousal support orders on a contingency basis.

As an example, Texas and Illinois use a percentage of the non-custodial parent’s income, while both Missouri and Kansas establish the amount of child support by calculating each parent’s percentage of their combined total gross monthly income. Both Missouri and Kansas have child support charts that are keyed to gross monthly income and the number of children in the family, though Kansas further refines their calculations founded on the ages of the children.

The child support guidelines indicate the ‘basic’ amount of child support; additional child related expenses are in addition to this figure to calculate the ‘total child care expense. ‘ This number is multiplied by each parent’s percentage of the overall combined income to determine the ‘presumed amount of child support’.

It is presumed that the custodial parent will spend that amount of money on the children; and the non-custodial parent’s child support is usually the amount shown on the child support work sheet-which records all of the income, expenses and adjustments that are allowed by that state.

A parent with primary care and monitoring of the child or the parent with which the child lives with becomes the parent in receipt of child support. The amount of child support payable generally relies on the amount of time each parent spends looking after the welfare of the children.

Payment of child support can be either agreed between the parents or can be determined by Child Support Agency (CSA). Parents can agree to the amount payable and the manner in which payment would be paid. Parents can agree on an amount payable as child support and yet pay the amount through CSA. Generally parents who’re not in receipt of centrelink benefits are able to make their own child support arrangements either by way of an informal agreement or by way of a Child Support Agreement. Once a Child Support Agreement is registered it is of binding effect and it can not be varied by way of another Child Support Agreement or by a court order. Child Support Agreements should also be submitted for short periods of time to ensure the changing circumstances are taken into account. Therefore, it is always important to have legal advise before signing a Child Support Agreement.

When there is no agreement between parents, the amount payable is assessed by CSA in accordance with the Child Support (Assessment) Act 1989 and collection and payment is made through CSA. CSA makes a calculation for the amount payable using a formula under the Act. They would determine the amount that is collectible by a party with lesser care of the children and will take into consideration matters such as the parents income, the number of children, the living expenses of the parent, other children in their care, etc.

Each of these factors are ‘fact’ specific. This means, it is hard to generalize about the importation or impact of any of them on a given case, other than to say the guidelines themselves have’ Comments for Use’ that may address how such issues should be handled when establishing child support. Other factors may likewise be considered by way of a’ Rebuttable Presumption’ argument. This could increase or reduce the final amount ordered.

The following will address these issues, beginning with what i’m supposed to do when handed that sheet of paper that says you have a baby that requires financial support, even when you did not know you had a child. Worse, that you owe 18-years of’ Retroactive Child Support’.

Intended to lessen the financial burden of raising a baby with a roof over their head and clothes on their back. Belly’s full of food.

Often the non custodial parent has to pay for 100 percent of the child’s insurance, some states deduct this off of the regular basic child support, some don’t.

This is where the parents are necessary to split the co-pays for the doctors, or any other medical item that isn’t covered by insurance such as braces, or spectacles. Typically this is a 50/50 split but if one person makes much higher than the other it can be split according to income. For example if the dad makes 3 grand a month. The mom makes 1 grand a month then the dad brings in 75 percent of the income so he is liable for 75 percent of the out of pocket medical costs.

This is treated much like out of pocket medical, it can be split 50/50 or on the sliding scale of income. Daycare is typically covered if the custodial parent has to work and for that reason, the child is placed in daycare. In addition, the private school tuition typically only works with a Judge if that’s what the child would have had the two parents stayed together.

These are the fee’s associated with ballet lessons, music lessons, sports fees, and I even saw an order once that detailed prom tickets to be split. College is usually not split by the parents. However, everything else is open for interpretation by the Judge. He can award all of these cases in the order, or none of them…it all comes down to the Judge.

Begin here by reviewing this Handbook On Child Support (also found below) provided by the Federal Office of Child Support Enforcement and the Federal Citizen Information Center of the U.S. General Services Administration.

All states have programs to capture federal and state income tax refunds for recovering past due child support. If you owe past due child support the capturing of your income tax refunds may represent a relatively painless way of paying your past due support.

Unfortunately, the computers that capture income tax refund payments aren’t always accurate resulting in people who DO NOT OWE past due child support getting their refunds captured. The only way to work around this issue isn’t to have a refund.

Any good accountant will say to you that it isn’t wise to get tax refunds. Uncle Sam doesn’t pay you interest for money that he keeps all year long, and only charges modest fees. If you haven’t paid in enough by the end of fiscal year.

Increase the number of deductions on your’ W-4 Form’ with your employer. The IRS hardly even blinks if you take up to eight deductions on your W-4 Form.

You may have to pay in some extra taxes a couple of times per year. However, then again you’ll get more money that is spendable from each paycheck.

If you already have a refund coming for the year, elect to have your refund go toward your next year’s taxes. If you have remarried, make certain to have your spouse fill out Form 8379 (Injured Spouse Claim & Allocation) and send this form in with your taxes every time you file.

You should keep copies of all your paycheck stubs showing child support receipts, child support deductions, and any agreements that you and the other side have made concerning child support, FOREVER.

It is a good idea to make multiple copies of these objects and store them in separate places so that one fire doesn’t wipe them out. Using a scanner to make PDF copies also helps. Fathers’ Rights Groups cannot count the number of times members have been required repay a part of their child support obligations because they threw away part of the above items and didn’t keep good records of their child support payments.

While the agencies that collect child support have a lot of things to be desired, it is usually a much better idea to pay through the court system than to pay the mother directly. Child Support Obligees have a way of conveniently forgetting that they’ve been paid child support, asking to be repaid support that has previously been provided.

You are far more likely to be able to document that you have done your support payments by paying through the court. Even so, you should get a printout from the court, or child support enforcement, every six months or so, to make certain that you’re being properly credited for all your child support payments.

Check with your state (see links below) to determine if this information is available online, or whether they send out regular statements of payments made.

You should keep a Ledger of your Child Support Payments. If you have a computer, you can keep this ledger on a standard spreadsheet program, or in a program like Quicken. If you don’t have a computer, buy some ledger paper and keep a ledger that way. This link will get you to a basic Child Support Ledger.

One of the main causes that fathers develop arrears in their child support is that they don’t make motions to modify their child support immediately upon losing their employment.

If you’re fired or laid off, you need to immediately file a motion to modify your child support payments. Most court systems have the necessary forms for you to make such motions if you cannot afford an attorney to help you in modifying your support payments. However, Child Support Enforcement is required by Federal Law to provide help to EITHER PARENT upon application for a modification to increase OR DECREASE a child support order.

You will need to have documents from your job as to why you’re no longer working. If you quit your job due to health reasons, you’ll need documentation from your doctor as to why you couldn’t continue to carry out your old job.

NOTE: You can only modify your child support back to the date that you filed your motion to change the support so the more you wait the longer you may have to pay.

If you’re self-employed, it’s a good idea to employ a certified public accountant to keep your financial records. Child support enforcement attorneys are always questioning the record keeping of self-employed persons, claiming that you’re taking money under the table. Having an accountant prepare your financial documents will give them more credence in court. A good accountant may look for ways to save you all of his or her fees anyway.

One thing you should consider doing if you’re self-employed is to integrate your business. You can be given a base salary by the society that often will smooth out arguments as to how much you’re making for child support purposes by incorporating.

NOTE: If you incorporate you’ll need to have other persons as shareholders in your company for it to be most effective.

You can generally obtain a copy of these guidelines with your local court rules concerning child support enforcement at the local child support enforcement office, your local courthouse, or online. See this page for links to your state agency.

Both research and observation give clear and convincing evidence that children benefit greatly if both parents are actively engaged in their lives. It is critical to children as they grow and develop.

Bringing a child into the world means making a commitment to care for him or her throughout childhood-ensuring the best possible environment to grow in. Children need safe places to live, nourishing education, food, and a strong foundation of values. Mothers and fathers bring different, but equally important, qualities to their children.

In a divorce or non-marital situation, either parent may be awarded custody of the child– or both may share equally in the physical custody and/or decision-making responsibilities.

I’m the noncustodial parent. I love my kids. I pay my child support. About half the time when I go to pick them up for my weekend, my ex-wife has made other plans for them. It’s not fair that the state will enforce my child support obligation but not do something about my right to consult with my kids.

I tried to obtain a passport for a business trip abroad. The State Department denied it because of child support. I do not know which state said I owe child support.

A noncustodial parent can apply for child support services if the case isn’t being enforced through the Child Support Enforcement (CSE) program, unless the support order requires you to pay her directly. Support orders must include a reserve for income withholding unless both parents and the courts agree on another payment method since January 1994.

If your order doesn’t call for income withholding, you can request this service. If you do, you’ll have a document that you have made payments as required. If you’re self-employed, you may be able to arrange for an automatic transfer of assets to the child support agency through electronic funds transfer (EFT). Either parent can apply for CSE services. These include collecting and distributing payments.

Although the CSE Program lacks authority to enforce visitation, many state or local governments have developed procedures for enforcing visitation orders. Also, the Federal government has made funding available to states for developing model programs to assure that children will be able to dispose of the continuing care and emotional support of both parents.

Check with your local CSE agency and clerk of court to see what resources are available to you and to learn about laws that address custody and visitation.

Either parent can apply for a review, and adjustment, if appropriate, of a child support obligation at least every 36 months, or sooner if there’s been a substantial change in circumstances such as reduced income of the obligated parent or a change in medical support provisions. Check with your CSE office to find out if your child support obligation is consistent with state guidelines and ask how to apply for a review.

If your case doesn’t meet the state’s standards for review, either because the order has been discussed within your state’s review period or the change in income is less than would merit an adjustment under state standards, you may continue to be able to petition the courts for a hearing. In this case, it may be useful to have the services of an attorney. Your local legal aid society may be able to inform you about finding low-cost counsel if you cannot afford a private attorney. Also, a number of states have information about how to deal with your case pro per (a legal term for representing yourself) to dispose of the courts determine if your support obligation should be changed. Contact your local CSE office or the clerk of the court for more information.

The amount that can be withheld from an employee’s wages is restricted by the Federal Consumer Credit Protection Act (FCCPA) to 50 percent of disposable income if an obligated parent has a second family and 60 percent if there’s no second family. These limits are each increased by 5 percent (to 55% and 65%) if payments are in arrears for a term equal to 12 weeks or more. State law may further limit the amount that can be made from a wage earner’s paycheck.

Requests for information from the FPLS in custody and parental kidnapping cases must come from a state CSE agency. State CSE agency web site links are available below.

If you have received papers naming you as the father of a child, and providing information about attending a hearing, contacting the CSE agency or some other court, or other action that you must provide, it’s very important to follow up as needed by the document you received. Check with the CSE agency to see how to apply for genetic testing, or to learn about paternity establishment in your state.

There are cases in which a man could ever be determined to become the father of a minor if he was ‘properly served’ notice of a paternity hearing but didn’t go. What constitutes ‘proper service’ shall be fixed by the state-it may be in a notice delivered to the person’s legal residence, the form of a registered letter, maybe even a notice printed in the newspaper. Check with the CSE agency in the state where paternity was established in order to see what can be done. If the paternity was established by fraud, material mistake of fact, or duress, it may be possible, depending on state law, to challenge the paternity finding.

Also, there are cases under which the alleged father is misidentified-if names are closely similar, for example. There, too, your best information about resolving this will originate from the state CSE agency. Contact information is at the close of this Handbook if it was not given in the notice that you received about the paternity.

Emancipation and the age of majority for termination of child support are established by the states. Some states have provision for child support payments while a child is in college.

For particular situations– if a child leaves school before reaching the age of majority, is still in school but is emancipated, or is enrolled but not attending classes, for example– check with the child support agency to look at how the state handles them.

If a child is handicapped, parents may have to pay support after that child becomes an adult. Also, if a child was committed to be disabled before reaching the age of majority, states can still collect arrearages through tax refund offset.

If a couple filed a joint return and just one of them shall be responsible for the child support payments, in non-community property states the other spouse can file an amended return to receive his or her part of the tax refund. The person who isn’t liable for the child support debt can file tax Form 8379, the Injured Spouse Claim and Allocation.

If you don’t know which state certified your case, or if you’ve never owed back child support, check the list provided with the Department of State denial letter for the contact information it gives for the state where you presently live. If you do not have the list, staff in the state agency can check with the Federal Office of Child Support Enforcement to see which state certified the case and can get you contact information for resolving any problem.

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The Power Of A Promissory Note

Promissory notes are used to record details of a loan transaction between two or more parties. They are used in a wide range of business loans, financial and real estate transactions, and personal loans between family members and friends.

It’s important to realize promissory notes are legal contracts and can be held against you in a tribunal of law. It’s essential to understand the various types of promissory notes and how they’re used before signing any agreement. Look at : get a pay day loan in Atlanta GA.

The most common types of promissory notes include those used to document personal loans between family members or friends. Most people shy away from requesting legal documentation when lending money to personal acquaintances. While it’s understandable you do not want to offend someone you care about, promissory notes can actually help prevent misunderstandings.

When friends and family draft a personal promissory note it demonstrates a good faith effort on behalf of the Borrower. It likewise creates a feeling of security for the Lender. Personal promissory notes can be bought at office supply stores or downloaded from the Internet. The note should include the provisions of the loan, amount borrowed, interest rate and what consequences will occur if the Borrower defaults on the loan.

Commercial promissory notes are used when money is borrowed from a bank or other lending institution. Commercial notes are similar to personal notes; however, they include additional legal terms and more rigorous conditions.

Typically, when a Borrower defaults on a commercial promissory note, the lender has the right to require full payment. If you owe $3, default, and 000 on your payment, the signed promissory note gives the Lender the power to require the entire balance. If you don’t pay the full balance, the Lender can then place a lien on the property you’re financing. They can also file a lawsuit to get the balance or regain possession of the property. Not only will you lose the property, it will significantly impact your credit rating.

If borrowers default on commercial promissory notes the lender can demand payment in full. If past due payments are not cured the lender can commence with legal action such as repossessing property used as collateral to secure financing or garnishing wages.

Some organizations use promissory notes to raise capital for business. This type of business note is known as an Investment promissory note. The note is issued to investors in return for the loan. Investment notes guarantee investors will get a return on their investment within a given period of time.

Negotiable promissory notes are used to secure real estate transactions. These notes are covered by the Uniform Commercial Code. Real estate promissory notes must adhere to conditions set out by the National Conference of Commissioners on Uniform State Laws.

Personal promissory notes are simple documents and can normally be drafted without the help of a lawyer. Commercial, Investment and Real Estate Notes will require the services of lawyer to ensure they’re legally binding.

Mutual Consideration-When there is a contract between two parties there must be some value received by both parties. This is referred to as ‘mutual consideration’.

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