The Why and How about a Prenuptial Agreement?

Before marriage, couples often shy away from discussions of money, and their reluctance is understandable: Finance and romance seem mutually exclusive.

In fact, however, bringing financial issues into the open can be healthy, and it can be done without a full-scale return to the days of arranged marriages and fiercely negotiated dowries. Today, a couple can enter into a prenuptial agreement before the wedding, and that agreement will govern a wide range of financial matters in the future.

What can you put into a Prenuptial Agreement?

A prenuptial agreement can cover a wide range of financial matters both during and after the marriage.

You can use a prenuptial agreement to specify whether some property individually obtained during the marriage will remain the property of one spouse and will not be treated as community property.

You can keep property, including property that might later be acquired by inheritance, in one spouse’s family.

You can limit one spouse’s liability for the debts of the other spouse.

You can define your respective financial responsibilities during the marriage, separating responsibility for household expenses, specifying how bank and credit accounts will be handled, and determining how taxes will be filed.

You can make provision for a spouse’s children from a previous marriage.

You can decide how property will be divided in the event of divorce and, in some jurisdictions, whether alimony will be part of the divorce settlement.

The precise answer to the question “What can you put into a prenup?” varies from state to state, but it’s fair to say that almost anything that is otherwise legal can be included, except for an agreement that defines the terms of support for the couple’s children.

How do you get a prenup?

The hallmarks of a valid, enforceable prenuptial agreement are disclosure and fairness. Unless both parties disclose all relevant details of their finances, the agreement is readily challenged, and it makes good sense to provide that information well in advance of the wedding day. The party receiving that information should have enough time to understand its implications. When information is provided at the last minute, a prenuptial agreement lawyer can argue that it was tantamount to receiving no information at all.

Demonstrating the requisite degree of fairness does not necessarily require that the agreement be fair by some particular standard. It does, however, necessitate the involvement of legal counsel. Each spouse must be provided with his or her own prenuptial agreement lawyer, someone with undivided loyalty to the individual, not to the parties as a couple.

The question “How do you get a prenup?” is only part of the ultimate question. In order to arrive at a prenuptial agreement that works, one that is valid and enforceable, both parties must put their cards on the table and each must have separate legal representation.

Marriage 101: The Prenuptial Agreement

If you are anything like me, you have to abide by a strict budget in order to see all of your bills taken care of each month. Most months there aren’t extra dollars laying around to be spent freely on anything you want. Sure, you might splurge on an occasional coffee or two, but for the most part the money you earn goes right to keeping you living each month. I have discovered a small but significant way to help curb my expenses and allow for a small amount of ‘fun money’ each month. Compare prices. It sounds simple and obvious, but my spending habits changed drastically once I began to always compare prices.

One of the biggest areas that I benefited from learning to compare prices is in grocery shopping each week. Rather than just running off to whatever store is closest or more convenient to me, I began to really search the ads and flyers to determine which stores would give me the best deals on the items I needed. I began each week by making a list of all of the grocery items I needed and then I only allowed myself to compare prices for those things. I didn’t let myself just go to the store and fill my cart with whatever caught my eye. No, I had a list and I took time to carefully compare prices. It was amazing the money I saved by purchasing items at stores with the lowest prices.

Learning to compare prices benefited me in other ways than just my grocery bill. Take going to the movie theature for an example. I took time to compare prices of the different show times and I began to see movies only in the afternoon when the prices were more reasonable. While this only saves me a few dollars each time I visit the theature, it adds up when you compare prices for all the movies you see in a full year.

I’ll admit it, I love coffee. One month I decided to compare prices of buying a coffee at a local coffee shop with making my own cup of coffee at home. Not surprisingly, I can save a lot of money by just making my own coffee. I found that I can even let myself purchase some of the best beans that are sold and I still come up with money to spare when I compare prices with local coffee shops.

It is small changes like going to an afternoon movie or brewing my own cup of coffee that have really changed my budget. I had no idea the amount of money that could be saved simply by learning to always compare prices.

Are you interested in improving your appearance? If you are, are you interested in learning what type of makeup is best for you, as well as how to properly apply it? If you are, you may have turned to the internet or to fashion magazines, but have you ever thought about buying a beauty book? If you haven’t or even if you have, you may be wondering whether or not beauty books are really worth the money. Here are some tips from Fashion Nova.

When it comes to determining whether or not beauty books are worth the money, there are a number of important factors that should be taken into consideration. For instance, beauty books come in a number of different formats. If you are looking for something in particular, like how to properly apply and remove makeup, you may be able to find a beauty book that specializes solely on those tasks. Beauty books that are right to the point and contain the information that you are looking are the best and they are definitely worth your money.

In addition, when trying to determine if beauty books are worth the buy, you will want to individually examine each book that you are interested in buying. Books may cover the same topics, but the information inside of them may be presented in different ways. For instance, if you were looking to buy a beauty book that outlined the proper ways to apply makeup, you likely want to see drawings or pictures; right? Just so you know, not all beauty guides contain detailed pictures or drawings. That is why it is important that you learn as much as you can about a beauty book before deciding to buy one.

Although the beauty book or books that you would like to buy are important in determining if the book or books are the worth your money, so is the location in which you buy them from. You should know that beauty books can be found at an unlimited number of different locations. For starters, you can buy beauty books from your local bookstores, beauty supply stores, department stores, and fashion stores. In addition to storefront locations, you can also buy beauty books from a number of online retailers. You will want to think comparing prices first to ensure that you are getting the best deal or at least to make sure that you aren’t being overcharged.

If you are interested in buying a beauty book, but you are also on a tight budget, you may want to think about buying used books. There are a number websites, including online auction websites, where you can buy used books, including used beauty books. Also, if you like to attend yard sales or book sales, you may want to think about keeping your open for beauty books. Yard sales, thrift stores, and online auction websites often allow you to get a used book for fifty or even seventy-five percent off the normal asking price.

The decision as to where you want to buy a beauty book from, as well as which book you would like to buy is yours to make. With that in mind, however, it is important to make sure that you know exactly what you are buying. Just buying a beauty book without skimming through the book first or reading online reviews is almost always a surefire way to be met with disappointment or even end up wasting your money.

Banking online can be a fantastic way to save you time and even money. Most large banks now offer online banking or online account access, and for the most daring: some banks are only available online. With the latest in web safety, these sites are heavily encrypted and designed to be hack-proof. The largest cause of accounts being hacked into actually falls upon the account holders. There are several simple steps that can be taken to avoid your account, money, and personal information being put at risk. Some may seem simple, but it is better to be safe!

1) Never give out your username or password. Your bank will not ask you for your password or even username. They already have it. They will not lose it, and only a very select group of employees can even access it. If you think you need to address this issue, call them at the number your normally call, do not take the phone number off an email or a website, look in the phone book or just stop in at your local branch.

2) If you access your accounts from more than one computer, be sure that computers used by others have up-to-date antivirus software. You should also make sure that the machine is running an up to date browser that can support the standard 128-bit encryption used by most secure websites. When you are done, always be sure to log off and even clear the Auto complete bar also, it can make it too easy for someone to log in and guess your password.

3) A good password in very important, also, using more than one password can be just as valuable. If a hacker, worm, or virus is to get into your computer and find a password, they will try that same password in all of your cached login areas. It also helps drastically to use letters and numbers. Birthdays, pet names, and nicknames also tend to be easiest to guess.

4) Never trust any email sent to you that links directly to your login page. This is the number one trick for hackers to “cloak” or “phish” you out of your own private information. Even though the site looks like the site you are familiar with, it may not be. These thieves have become experts at copying the look of real sites with their own copies designed to extrapolate victim’s bank numbers and more!

By following these steps, you can be confident that your identity and information is still yours and still protected. There are thousands of people and programs trying to steal your information, but you have plenty of tools, people and strategies on your side also! Go ahead save yourself some time and gas money!

The cost of education is on the rise. States are spending less on higher education, forcing colleges and universities to pass the extra costs onto students. Tuition and fees have nearly doubled at some institutions, and there’s no relief in sight. That’s the bad news. The good news is that there are several ways to help allay the rising cost of college. Here they are, in no particular order.

Accelerate Your Degree

Essentially, accelerating your degree means cramming a semester’s worth of material into a six-or eight week session. Many schools are now offering these accelerated sessions, and while classes can be intense, the benefits are that they allow you to take classes more quickly and thereby move up your graduation date. By accelerating your degree, you spend less time in college and can start your career sooner, which saves you time and money. In addition to these accelerated sessions, you should also consider summer school or evening classes, which are often cheaper than regular classes and which also speed up the learning process.

Become a Transfer Student

One of the best kept secrets in higher education is that of transferring. The idea here is to earn as many credits as possible at a low-cost community college before transferring to a pricy, elite school prior to graduation. This way you can still get a diploma from a prestigious university but at a fraction of the price. Furthermore, because community colleges are less competitive, you will be a better candidate for scholarships and other financial aid. What’s more, by attending your local community college, you can also reduce room-and-board costs by bunking at your parents’ house.

Go Where You’re Wanted

Conventional wisdom says you should go to school you want. But if you’re trying to cut costs, maybe you should consider going to the schools that wants you. In other words, find the college or university that is dying to have you as a student, fire off an application, and then watch the discounts roll in. Star students get discounts on tuition as well as housing and other fees. The trick is to find the school that thinks you’re a star. Start by checking out the smaller, regional colleges in your area. Chances are you may be exactly the kind of student they’re looking for.

Apply For a Pell Grant

Every year, the U.S. Government provides millions of dollars’ worth of grants to help students finance their college education. A grant is an ideal way to help pay for college for two reasons: first, grants do not have to be paid back, and second, grants are awarded based on need. What this means is that depending on your financial need you can receive a federal grant or Pell Grant worth anywhere from $400 to $4000 dollars. Typically, Uncle Sam sends the money directly to your school of choice to apply directly to tuition. However, if your tuition is already paid for through scholarships or other financial aid, the money is dispersed directly to you to cover other expenses such as housing, books, and transportation. To apply for a Pell Grant all you need to do is fill-out a Free Application For Federal Student Aid or FAFSA, which you can do online at http://www.fafsa.ed.gov/. The application will take about an hour, but you will need your Social Security Number, driver’s license, income tax return, bank statements, and investment records.

Never Give Up On Scholarships

Many students think you need a 4.0 GPA to land big scholarships. But that’s not always the case. Even with strictly academic scholarships, you have a fighting chance so long as your grades make the cutoff, which may be as low as 2.75. What have you got to lose? Furthermore, there are plenty of non-academic scholarships you can apply for, including scholarships for athletics, military service, community service, and leadership. Also, in addition to college or departmental scholarships, there are thousands of private organizations and religious organizations who also offer scholarships. And don’t forget about local or community-based awards. Although these scholarships are typically more modest, they are easier to win. What’s best is that you can apply for (and receive) multiple scholarships, which means if you don’t land a big, ultra-competitive, academic scholarship you can still get the same amount of money through a combination of smaller, less-competitive scholarships.

When it comes to paying for college, the important thing to remember is that education is an investment. And like the old adage says, you’ve got to spend money to make money. That being said, there are ways to curb the amount you’ll have to spend to get a quality education. You just have to be creative.

Finding unique gifts can present a challenge, and most people never consider giving pet-related gifts. Since the chances are good that more than one person on your holiday gift list has a pet that he or she adores, why not give a distinctive gift that your recipient will treasure? Here are five great gift ideas to get you started:

1. Fine Art Animal Prints

Dogs may come in many shapes and sizes, but each has a personality all its own. One of the most delightful gifts you can give to a pet lover is a fine art print of his or her breed. One of the most notable artists offering fine art animal prints is Lorena Pugh. Her print, “Princess,” for example, depicts a white toy poodle laying atop a stack of twelve colorful pillows, while “Angel Face” showcases a gorgeous pug who has just snagged a cluster of grapes off of a dining room table. In “Chocolate Craving,” she realistically captures the yearning of a chocolate lab as he reaches for a tennis ball against a beautiful background of blue sky. These limited edition animal prints are sure to be treasured, as each comes with a consecutively numbered dog tag to match the tag in the print.

2. Crystal Animal Statues

Whether your gift recipient has a dog, cat, horse, or rabbit, he or she is sure to enjoy an elegant crystal animal statue. Typically made from 24 percent lead crystal, hand-finished animal statues are beautiful yet whimsical. Crystal animal statues can depict a wide variety of pets, from a sitting cat to a dog with a bone; from a turtle to a frog; from a horse to a mouse; and from a duck to a dove.

3. Stone Animal Statues

Who wouldn’t love a playful stone animal statue depicting their beloved pet? Animal garden statues are perfect gifts, as are stone animal statues for the home and office. While some statues – like a sleeping spaniel puppy or an eager dachshund – make you feel warm inside, others – like a cat holding a pair of binoculars up to his eyes, ever watchful for a bird – make you chuckle. Stone animal statues are available for virtually any type of pet, and are certain to be cherished.

4. Animal Posters

If you’ve ever owned a pet, you know how funny they can be. Animal posters depict pets in a variety of outlandish situations (remember the cat in “Hang in There”?), and are eminently affordable. An animal poster is sure to bring a smile to your recipient’s face.

5. Entertainment

When it comes to gifts for pet lovers, there’s nothing more unique that pet-related entertainment. There is actually a music company that creates music for animals, so consider giving a gift of music about and for cats, dogs, or birds. Another great gift idea is to buy a DVD or video that is designed to entertain your recipient’s dog or cat. Your friend or loved one can play the DVD or video while he or she is at work or out running errands – guilt free!

It’s both original and thoughtful to give a gift that acknowledges your recipient’s pet as a central part of his or her life. Pet lovers will appreciate and treasure your gift, whether it’s a fine art animal print or an entertaining DVD.

I’m Bruce, and I love to save money any way I can. Shawn’s the same way. That doesn’t mean we’re cheap. We just like finding great deals. We’re kind of like hunters, always on the prowl for tricks or secrets to getting a discount. We’ve been doing this for years, and we’ve gotten pretty darn good at it. In fact, you could say we’re experts at not wasting our hard-earned dollars.

For those of you who don’t know, Shawn and I grew up in the same town. Shawn’s family lived on the upper-class side of town. White picket fence, pool in the backyard, the whole nine yards. But they were very frugal, which is how they became so successful in the first place. Shawn learned a lot from his upbringing, and was raised to be very smart with his income from a very young age.

Myself, on the other hand, well… let’s just say that my family wasn’t living too high on the hog. Okay, we were poor. My mother, bless her heart, really knew how to stretch a dollar. She had to, just to survive. Those survival instincts were deeply instilled within me, and I’ve always firmly believed in making every cent count.

We’re here to pass that knowledge and experience on to you.

One of the main things you’ll find us writing about here are coupons. Shawn and I are always scouring the web for discount codes and promo codes for all kinds of things. Huggies diapers, sporting goods, even Uhaul trucks. Here’s a resource we found for Uhaul coupons just last week: http://uhaulcouponsnow.com

We know lots of other tricks too. Like how to haggle with certain types of merchants. Car salesmen are the classic dealers that can be talked down in price, but there’s some sellers that fit this category that you wouldn’t expect. I’m not going to spill all of our secrets just now, but we’ll share plenty of them in due time.

Not only that, but we use solid wealth-management strategies to take that money that we saved, and make it work for us. We’re big fans of Dave Ramsey, who preaches a philosophy of living debt-free and paying off your mortgage ASAP. That’s a view point Shawn and I can definitely get on board with. It’s nothing super technical. The basic idea is to not waste your money on frivolous things, stop using credit cards (or use them sparingly), attack your debts aggressively, and get a head start on saving for retirement. It’s a sound, forward-thinking strategy. Far too many people these days rack up debt on their Visas, save virtually nothing, and rely on social security when they retire. No thanks!

Look, don’t get the wrong idea. We’re not crazy penny pinchers. Not like those extreme couponers you see on TV, or those weirdos trying to barter opera songs for haircuts. There is such a thing as cost-utility, and wasting a lot of time to save a few bucks is not an efficient way of going about your business. Our goals are reasonable ones, to avoid overpaying for things when we don’t have to, while exerting as little time and effort as possible.

Keep your eyes peeled on Bruce and Shawn, as we’re always finding new ways to save. Any time we find a new clearance sale or discount code to share, we’ll keep you posted on this website.

Hi, this is Shawn. We told you we would give you ideas on how to save money. The first thing: eggs of course. Who doesn’t love to make eggs in the morning with some good old coffee? They’re just so expensive at the grocery store though. 3.99 for a dozen in one box? No thanks. We want to talk to you guys about saving money on eggs. There is a much easier way to get eggs without going to the grocery store and buying some only to come home and find them rotting away.

We’re talking about chickens of course. Get yourself a chicken coop. Go online and pull up some chicken coop ideas and build yourself one. Here’s our favorite site for that: http://farmanimalguide.com/4-chicken-coop-ideas-work/

First you’ll need a chicken, preferably females as they are the ones who hatch eggs. What came first the chicken or the egg? We’re not entirely sure but getting a female chicken will help save money on eggs and they’re more fresh.

Bruce decided it would be easier to get one female and one male chicken and built his own chicken coop. Buying an already built Chicken Coop was way too expensive and not in Bruce’s budget. So he found some Chicken Coop ideas and built one of his own.

Soon I followed suit and now the both of us save hundreds on not buying eggs. I of course have more chickens. Remember, the more chickens you have, the more eggs you will get. These eggs are great in the morning with a side of bacon. Who seriously doesn’t love bacon?

These chickens are well taken care of and become a part of your family. They are great for the kids and they produce free eggs. Who doesn’t love free eggs?

They are not just for making scrambled eggs. When the holidays come around chickens can produce eggs for family tradition boiled eggs. We both love when our wives make boiled eggs for the family holidays. It makes up for having to force us to see the family members we’d rather not be around.

For a long time Man has used chickens to produce eggs. Why not get a chicken yourself to hatch some eggs? The chickens we own live happily in their chicken coops and don’t mind producing free eggs for us. The kids love eggs that freshly come from Chickens. They are not sent to a factory to get rid of all that makes a fresh egg taste so good. They last longer than the ones you buy at the grocery store as well.

We discovered this a long time ago and it helped us both save some money for more luxurious things. Chickens help save money and resources and you save them from being slaughtered. If your wife is a crazy animal activist and is a vegetarian (like ours) this is a great idea for that. We love that our wives who don’t eat meat support raising a chicken coop.

So look up some ideas on building chicken coops and get yourself some chickens like we did and you’ll be saving money on eggs. Stay tuned for more ideas on how to save money.

Hey guys it’s Shawn here. Bruce and I are here to help save you money the best way possible. You ever not look forward to clothes shopping even though you need new clothes? Is it time to buy new clothes and the thing you hate most is having to spend money on expensive unnecessary clothes? Well no worries I’m here to help you save and buy cute clothes for yourself.

First of all don’t feel ashamed having to buy clothes for yourself. It’s not selfish and it doesn’t have to be a drag. A lot of women, especially mothers, feel this way. However there are places to shop in every size and can help save you money.

You see a cute clothing shop in the mall and think they have cute clothes but are way too expensive. However do not worry. It’s okay to go in. Every cute clothing store that you see has a clearance section. They always mark down cute clothes that seem to never sell but are cute anyways. This is what I would do when I would take my daughter clothes shopping. We would always go to the clearance section. We were always able to find here nice school clothes and save big in the clearance section.

Another way to save on clothes is looking up African American Hairstyles (Curly Pearl is a great resource for this) and going to a thrift shop. Thrift Shops always have all kinds of clothes that you can style with and save big. When it comes to jeans this is the place to save big. There are all kinds of thrift shops around everywhere. Bruce and I always take our families here if they need new clothes. They also carry other items as well if you need to save, which who doesn’t need to save?

Goodwill is one of my favorite places to shop for new clothes. They have clothes for everybody and their clothes are really cheap. If my daughter looks hard enough she can find all the cutest clothes that every one of her peers seems to be wearing and I can save a whole lot in my wallet pocket book. With these three suggestions there is simply no excuse not to save when buying clothes.

Sometimes clothes stores will have coupons so make sure to use them wisely. My wife always gets Khols Coupons and we take our kids there or ourselves there if we need new clothes. They will happily take off clearance prices with coupons and save you loads. Not every clothing store is like this. Make sure to read the final print in small words on the coupons. A lot of people don’t seem to read the fine print.

And finally if you’re one of the trendy people and like to keep up with the latest fashion but don’t want to spend that much money. Have no fear that is where Plato’s Closet comes in. You can save loads with the recent fashion and then when you want a new trend you can sell your clothes and save loads with new clothes. This was something my wife and daughter discovered and told me about.

So there you have it. Hopefully Bruce and I helped in you save big in the clothes department. Saving money on clothes is the best feeling in the world and hopefully you can save big with these tips next time you shop for clothes.