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have a series of talks about how money be handled. It sounds like money be tight, which makes this discussion even more important. You two need to figure out how decisions about money be made. Different couples do this differently; there is no one way that works for all couples. It might be helpful to look for resources on the internet describing the various ways couples handle money. Some couples divide the money into 3 pots his, hers, and ours, with the latter going to pay for common expenses, and allowing each person an equal amount of play money they don't have to answer about. Some couples put all the money into the Ours pot, and both take from it. Some make a rule that any expenditure over X dollars needs the approval of both. And some couples keep separate accounts. And some let the one who is more skilled with money handle all the finances. There are also issues if one of you is frugal and the other is spendthrift. My take on the prenup is that it is reasonable given the US divorce laws, which are heavily slanted against men. However, note that unreasonable prenups are routinely ruled invalid by courts. old horny women in Limunovici
that are willing to remove a bad score from your credit report. What seems to happen now is this: Say you have a Citibank Visa and you don't pay your. They charge you interest and late fees for a few months, then they close your account. They a couple of times to try to get you to pay and they put bad marks on your credit score. When you don't pay up, they sell your account to a collection agency. The collection agency s and writes a few times and after 30 days, they start putting bad marks on your credit report. Now you have two unpaid accounts showing up. If that collector doesn't collect after about a year, then they sell your account to another agency and the cycle continues. At any point along the way, you can and attempt to negotiate the balance down but most lenders don't want to do much negotiating these days. You'd be lucky to get them to knock off 25% of the debt but if you are really persistent with them, you might be able to settle for less than half the amount owed if you have the full amount and are prepared to pay up on the spot. The best way to fix bad credit is to reduce the amount of debt and make future payments on time. If the credit is so bad that a person can no longer get a or a credit card, then a secured credit card is a good starting point for rebuilding credit. smile i love youHIV apps assist PWAs Published / by S. Bajko Photographer Cramer is one of the spokesmen for a new HIV app. Photographer Cramer is one of the spokesmen for a new HIV app. People living with HIV and AIDS now have another tool to help manage their health needs and medications: their smartphones. A variety of downloadable applications for cellphones, as well as computers, are aimed at helping HIV-positive people keep track of when to take their medicines and record health data to share with their physicians during doctor visits. Two of the earliest options were PozTracker and iStayHealthy, which was recommended by Poz magazine. The HIV and Your Heart app uses research and guidelines from the American Heart Association and the American Academy of HIV Medicine to provide suggestions on how to live with HIV. giant Merck Sharp and Dohme Corp. has created the My Health Matters and My Positive Agenda mobile and desktop apps. The digital tools help users track symptoms they incur from their HIV treatments and allow for the creation of reports that display those symptoms users can then to their doctor. Merck introduced the apps last year around the same time as the company teamed up with Project Runway contestant Mondo Guerra, who revealed his HIV status on the show's 8, for the national I Design campaign. This year it has engaged San based photographer Cramer, who splits his time in Manhattan, to join Guerra as a paid spokesman for the campaign specifiy to promote usage of the apps. "I want to encourage people not to be victims but to really be victorious," said Cramer. "It is , and when it comes to HIV, we now can use online electronic tools to better manage our health." Cramer, 50, is a well-known black who has been a longtime advocate for people living with HIV and AIDS. He was first diagnosed with HIV in October , a decade after his father, J. Cramer, Jr.., an accomplished academician, died from AIDS. FULL STORY: webcam xxx
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