Month: September 2017

Things to Consider While Using Wedding Decor

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When it comes to weddings, the right decor can completely transform even the simplest of venues into the magical setting you always wanted it to be. This is a once-in-a-lifetime celebration that deserves nothing short of the very best of everything. But then, take a moment here to define what makes ‘best’ in terms of the decor for your wedding ceremony? Do you like flowers or lights? Glamour or simplicity? Extravagance or minimalism? What color scheme do you wish to follow? What about the stage – how do you want to make it look prominent? The chairs and tables? The pews and altar? Wow. didn’t think there would be SO MANY choices to make now, did you? Don’t worry – this article is here to sort out most of your confusions.

Here is a basic list of things that you should consider when finalizing and using you wedding decor:

Final plans for your celebrations

The eventual proceedings that you have planned for the day will have a major impact on your decorations. For example, whether the wedding will be indoors or outdoors? Are you planning a church ceremony or an informal event? The schedule, timing, day, predicted weather – all these factors should be taken into account while choosing your wedding decor.

Your overall theme for the day

Everything from the colors to the material used for decorations to the way your furniture has to be arranged will depend on the theme that you have picked out for the day. Picking out a central color scheme from the start will help you match everything related to the central theme perfectly. When it comes to items of wedding decorations, the most popular options are flowers, candles, and ribbons. You can use them in many creative ways to come up with ethereal decorations for a dreamy day.

Priority areas in the venue

Speaking about the decorations for your ceremony, the focus will primarily be on the altar or the altar equivalent as the focus and attention of all the guests will be on it. Some other important areas that will require special focus for decor are the pews and the doorway through which the bride and groom will enter. For the decoration of your reception area, the priority areas are the head table where you will be sitting and which will be the center point of the celebrations. Next choose some stunning centerpieces for the tables, decor for the entrance, and the dance floor.

Your overall budget for the party

This is the last and probably the most important factor to consider when it comes to planning your wedding venue decorations. If you are looking to save some money here, make sure that you keep your purchases to a minimum. Instead, choose wedding furniture and decor rental services and get the right items to deck up your venue without breaking the bank.

The right wedding decor is the key to making this special moment unforgettable. So if you are planning to get married soon, then don’t forget to consider these things while using wedding decor.

Payment Options for Shopping All the Way

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Everyone is busy. Busy in shopping online and in the malls. Popular online portals are breaking and making new sale records! All thanks to the convenience and the availability of easy payment options and funds!

Here are few of the factors that are making online businesses a success

Credit Cards: A credit card is plastic money. It is one of the easiest form in which a person gets a personal loan.

All online portals as well as retailers in malls accept credit cards issued by various banks.

  • Online payment becomes very simple and safe, thanks to the one time passwords generated for such transactions.
  • A PIN is sufficient for shopping using a credit card at any retail store.

Personal loans for shopping: When we apply for a personal loan, we don’t have to provide the financier with the details of what we want the loan for.

Thus these days’ personal loans are being used to finance shopping.

  • They can also be used as wedding loans, vacation loans and educational loans.

Payment Processing: As far as payment processing is concerned, the following factors matter to both the consumer and the online retailer.

Uncomplicated manoeuvring on website: It is important for the payment process to be step-by-step and easy to understand. Most websites work on this section very carefully and thus the online shopping experience is satisfactory.

  • Processing Costs: Processing costs matter to the retailers. More the processing fees they have to pay to providers of payment gateways like Visa, the lesser are their margins. So to have an effective business the processing costs need to be low.
  • Number of payment options: Multiple payment options should be available for the customer to make payment. This makes the shopping a convenient proposition.
  • Time taken to process transactions: Processing time not only tests your patience but sometimes also the strength of your internet connection!

Cash on Delivery: This is also known as “collection on delivery.” This is a very popular mode of making payments for shopping in the developing world.

  • It enhances impulse purchases.
  • A credit card is not an essential possession for the buyer.
  • The buyer can check the quality of the product and then pay

So this festive season, do not hesitate to shop and to gift! The availability of funds for shopping is not difficult anymore. Also the convenience of online shopping has brought various retailers to our doorstep. So let us shop all the way!

How Do Strong Social and Community Ties Impact Your Health?

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I called my friend, also named Lisa, who lives in Houston, Texas. Hurricane Harvey’s devastation had not only hit Houston, the fourth largest city in the United States, but many communities in the Gulf Coast region. According to my friend, who lives on the north side of Houston where they got no flooding except for those who were near a river or large body of water, the worst of the rain is over. People are leaving shelters scattered thought-out Harris County, where Houston is located.

Out of the 6.5 million people in the greater Houston area only about 1.5 million lost power and most all the water is drinkable. No need for ice, a valuable commodity, for many of us here in Charleston who experienced the wrath of Hurricane Hugo. Unlike Houston, Hurricane Hugo, also a category 4 storm, was a direct hit and as a result we not only got the flooding but also high winds. But no one can deny that the Houston area experienced the worst flooding in its history, with some areas getting as much as 50 inches of rain. And because Hurricane Harvey’s devastation was so widespread, it will take years for the region to recover from this natural disaster.

My friend, Lisa, who is originally from Charleston, knows about hurricanes and the emotional roller coaster they bring; the anxiety before the storm of not knowing exactly what is going to happen, the storm itself, the flooding and aftermath once the storm has passed. No doubt, you too, no matter where you call home, are aware of the horrific situation the residents of the Gulf Coast region, north of Brownsville, Texas, are now experiencing. Lives have been lost, people displaced and the uncertainty of what’s ahead. It is one thing to watch the news again and again and be reminded of the destruction and the anguish. But to just absorb the information without acting when we can help can be paralyzing and emotionally harmful.

Animals as well need help and assistance. Donate to the Houston Humane Society, which is helping animals affected by the storm. The Hurricane Harvey Relief Fund, administered by the Greater Houston Community Foundation, is another charity. You may also want to check out Charity Navigator to further ensure your donations are helping those in need.

By helping those in need, you too can benefit. Studies have shown that people with strong social and community ties tend to live longer, are less likely to report being depressed, and have a stronger a sense of belonging, purpose and self worth.

Classic Cars: Original, Restored, Restored and Modified

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Not all owners of classic cars think in the same way. Some prefer to keep them original (patina and minor issues), some completely restore them and some restore them and also do modifications. All three require the love and attention to detail of a classic car collector. No matter his preference the commitment, effort and knowledge associated with this very involved hobby is admirable.

Original Vehicles

An original vehicle is one that has been maintained so well that it has all of its original factory specified parts. Their parts have been mostly fixed rather than replaced and if they had been replaced at one time it will have been with the original part intended for the model from the exact year of its introduction. To determine the originality of a classic, enthusiasts look for “matching numbers”, serial numbers that are stamped on parts throughout the car that match each other and the number originally associated with the car in its year.

Pros and Cons

Original vehicles are extremely hard to come by. To produce one takes the most time and money because the original parts are as rare as or more rare than the car itself. Because of the lack of availability of models and their parts, many car owner’s claiming “original” are actually restored. A true original and a restored vehicle should look the same and nearly operate the same, but because of the difference in original parts vs. re-manufactured parts, the prestige and value of a true original is significantly higher. The value of the three types of vehicles fluctuates based on the changing demand of collectors just like many consumables, but original vehicles, even in their shabbiest appearances can sell for 35% more than their perfectly restored opponent, a reason why you’ll find a lot of speculation on which route to take.

Restored Vehicles

Restored vehicles are made to look and drive like they did the day they were introduced to consumers. Their owners however, choose to replace parts with factory refurbished remakes of original parts. Using the original as inspiration, a car restorer will match the interior, parts and paint as closely to its glory days as possible.

Pros and Cons

Because restoration parts are easier to obtain and the restoration route creates more of its kind, this vehicle is less rare and often less valuable than an original. This is also the reason a collector can achieve results faster and perhaps joyride in his car sooner and for longer, a pro that’s hard to argue if you’re familiar with the work required of an original. As previously stated, the monetary value of a restored is less than an original in many cases, but there is value in having the most fun in your car and if that’s a high priority for an owner than this is a fine choice!

Resto-mod Vehicles

Resto-mod is short for restored and modified. These vehicles are the furthest from originals. They are restored and often “modernfied” if you will. Some owners choose to enhance the engine, make it more fuel efficient, or add modern luxuries like a preferred sound system or safety features.

Pros and Cons

The sky is the limit for an owner with the freedom of modifications. He can build his dream car! Resell for these cars is difficult though and the return could be even less than was put in it so this is the biggest pit fall. The reward is grand and the risk too, is grand, but for many this is the perfect fit for them. The value of a restored and modified vehicle is very unpredictable because the vehicle has been tailored to its owner’s specific tastes and he’d have to find a similar buyer, something to consider when choosing this method and while choosing each modification as well, if reselling is an area of importance at all.

The debate and judgment of this sector of cars will always be, keeping this art form alive and well, but one thing is certain; classic car owners love their cars and that’s worthy of respect. After considerable research you’ll find that each collector has to make their car collecting decisions based on his own lifestyle and what he plans to do with it, re-sell or enjoy. Judge a collector not by the category of his car, but how well it’s been done and cared for.

Real Estate Fraud

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This is an activity that is purposely done to misrepresent information on real estate documents. It also involves the money transfers. It is also called mortgage fraud. The reason that it is referred to as this is that the fraud generally takes place with the mortgage application. Real estate fraud, in the United States, can have heavy penalties like imprisonment and large fines.

Such a crime can be committed in many different ways. It appears to happen more often when property prices are on the rise. Because of the simplicity of the fraud, some types are seen more than other frauds. Some are not as common because they are more complicated. One of the common forms of such fraud, according to the IRS is preparing two settlement statement sets that are different from each other. In one of the statements, the accurate property-selling price is written, which the buyer receives. The other one will depict a higher selling price that is exaggerated. When the mortgage lender approves the loan for the exaggerated price, the seller is given the amount that is stated in their copy of the settlement statement. The one who committed the fraudulent settlement statements will keep the money that is left over. If there are other conspirators, the money will be divided among them. It could be the entire excess money or a percentage of it.

Using qualification that are fraudulent is another type of real estate fraud. These fraudulent qualifications are used when applying for a mortgage or home loan to help them get the mortgage. In this form of real estate fraud, the real estate agent will usually assist the buyer. The fraudulent qualifications can include fabricating credit reports or history of employment. These two involve the obvious misrepresentation of data but not all real estate fraud is easy to see as these two examples. If buyers who do not intend to commit real estate fraud because they do not know the laws can accidentally commit mortgage fraud.

If a buyer has a down payment by using money that was given as a gift it is legal. If this gift is re-paid to the who gave the gift, this is considered a case of real estate fraud. The gift used to make a down payment cannot be repaid for it to be legal. Another type of property fraud is when the buyer accidentally fails to disclose any financial liabilities on their mortgage application. It becomes fraud when it is not taken care of before the loan is approved. Property flipping can become real estate fraud if you make false representations about the value and condition of the property when you sell it for a much higher price than you paid for the property.

Upgrading the Radiator and Cooling Fan on a 1969 MGB Roadster

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In all the 18+ years of ownership of our 1969 MGB Roadster it has never overheated, but a minor leak from the radiator in 2016 necessitated its change so I decided it was the right time to upgrade the cooling system in preparation for the next 18 years.

While checking on prices for a new radiator I came across a company in The Netherlands offering an aluminium radiator for not much more than a standard one, so ordering was a no brainer. Fortunately I ordered this about one month before the British voted to leave the EU and the Pound plummeted against the Euro.

As the whole cooling system had to come apart I thought I would also replace the engine driven radiator fan with an electric one. I have fitted Kenlowe fans to my cars in the past and while they worked perfectly well I had two issues with them. Firstly fitting with their universal fitting kit was never that accurate and always looked a bit untidy and secondly the sensor was an odd bulb arrangement which fitted in the head of the radiator and slotted into an extra seal, which I found difficult to make watertight.

This time I opted for a Revotec fan as it fixed both these problems. Each fan comes with a laser cut aluminium frame which fits onto long bolts in place of the normal ones and the sensor is embedded into a special section of aluminium tube which along with two short hoses replaces the normal convoluted top hose. The Revotec came complete with a good set of instructions and all necessary wires, connectors, and even a set of cable ties to tidy up the wiring.

Inevitably my work involved in replacing the cooling system doesn’t stop there as while this was removed from the engine compartment I cleaned it up as much as possible. The radiator surround and expansion tank, I had previously fitted, were removed and painted with black Smoothrite and the water pump hub in yellow. The inner wings were cleaned, a few areas touched in and all polished. I replaced the lower radiator hose, crankcase breather and oil cooler grommets at the same time while I had easy access.

Everything was installed relatively smoothly and with no problems. I wired in the fan and controller loosely to make sure everything worked properly, before I committed to cutting the wires to size and fixing it as tidily as possible.

The MGB all fired up first time and amazingly there were no leaks from anywhere. The controller worked well and after allowing the engine to heat up and the fan cut in OK. It took a few cycles to set it at about the right operating temperature. A good road test in varied conditions also proved successful, still without leaking. The Revotec works really well generating a huge airflow which cools the radiator very quickly and cuts in and out smoothly. My only criticism of Revotec is that nowhere in the instructions did it say what ampage fuse was needed to the fan supply. A quick Google search found this on the Revotec website. So why on earth don’t they include it in the printed instructions?

In theory removing the engine driven fan should also release a few extra bhp but no-one ever said how much. But as the MGB was originally only 95 bhp, and presumably over the years this has dropped a bit, even only a few bhp could make a 5% difference although there wasn’t any noticeable difference during my road test.

The new aluminium radiator and Revotec fan should serve the car well for a long time and it gave me the excuse to clean up the engine bay.

How Car Accident Victims Can Improve Their Cases Before Their First Legal Consultation

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Initial Impact

One oft-repeated phrase is, “it’s better read about than experienced for yourself.” Few maxims can better encapsulate what it’s like to be a victim of a car collision.

Like any paradigm shift in someone’s life, it’s often dramatic and sudden. The screeching of wheels, the scream of the unexpected, or the shot of unfamiliar adrenaline.

All such tragic events mark the beginning of a typical personal injury case. For simplicity’s sake, we will discuss a common car accident. This piece explores how a victim of circumstance can take control of their situation, and turn their misfortune into an opportunity to better their case and their chances of reasonable compensation.

Self-Assessment

After the initial shock and twisted metal, victims at the scene may be dazed and confused. Regardless of where you are on the road, examine yourself and passengers for injuries. If there are no visible injuries, do the obvious thing and move your vehicle to a safe location if you are blocking the road.

If anyone is injured, get medical help as soon as possible. Truth be told, calling 911 has the added benefit of documenting the incident for later insurance evaluation purposes. This is because the documentation generated from the call tends to indicate a propensity of a person being truly injured. While it may come across as callused, car accident cases – and other cases involving personal injury – are all about documentation.

Insurance claims representatives will even go so far as to reduce the value of a claim on not going to the emergency room, even if there are later objective findings indicating that an injury occurred. Injuries, such as cervical strain and sprain, tend to appear more than one to two days later after the “shot of adrenaline” wears off. However, it’s the documentation early on that is important.

Interaction With Law Enforcement

If police were summoned by a party contacting 911, documentation will again be generated. It is common that police, in addition to checking for injuries, may cite the at-fault driver for either a crime or a traffic infraction.

Keep in mind that a criminal case is the government (or, in Virginia, the “Commonwealth”) versus the defendant. A criminal case is about seeking justice. On the other hand, a personal injury case is about “being made whole again.” Until a magic wand is invented, that means the “bad guy” paying some form of compensation.

Before law enforcement makes a general “first look” at liability, they will gather evidence – including statements from other drivers and witnesses, as well as obtaining contact information. This information is crucial for a Virginia auto injury or car accident attorney to later help prepare a case.

Keep in mind that the initial police investigation is entirely separate from the civil process, which may, in turn, rely on documentation generated as a result of the crash investigation. Even should an officer believe that a person is at-fault in a collision, the other driver’s insurance company may come to an independent conclusion.

One final point is that calling for help may be legally required in some circumstances. In Virginia, assume that it is required if there is someone that is injured or visible property damage to the vehicles.

Document The Facts For Later

Feel free to be your own detective if you have not yet met with a personal injury lawyer.

Ask for the other driver’s name, address, telephone number, and insurance information. If there are other witnesses to the collision, ask for the same. Take pictures with your cell phone of the accident scene and the driver’s license, if provided.

It is perfectly normal and expected for you to provide your insurance information to the other driver, even if they were at-fault. We highly recommend to clients not to make statements to the other driver’s insurance company. They’re frequently very motivated to assign blame to someone other than their own insured.

Don’t be limited in pictures of property damage of the vehicles. If it’s safe and prudent to do so, take copious amounts of pictures of you and your passenger’s injuries. This includes bruising that may later develop.

By being your own detective, the insurance company for the other driver may not be so quick to turn a blind eye to the blame of their insured. Documenting (if safe and not obstructive) while still at the scene to show the location of the impact, road conditions, and the condition of the vehicles may be critical bits of evidence later that a personal injury attorney can later utilize.

A good law firm will use this evidence to help develop your case into the best it can be under the facts. If you don’t have any of this evidence don’t worry. In most cases a client doesn’t provide this information during initial intake. That said, the more information provided the better.

Seek Medical Treatment

In line with the need to call 911, if necessary, is the simple fact that you need to seek medical treatment if you are hurt in the collision or later develop conditions that didn’t exist the day of the accident.

It is critical that you go to every appointment scheduled with a health provider and do everything that they tell you to do. Top in the playbook of every insurance company is to highlight any and all delays or gaps in treatment and try to use that information to diminish the value of your claim.

This is even true if you don’t have health insurance at the time of the collision. It is highly important that if you don’t have health insurance that you waste no time in getting it. In addition to being legally required at the time of this writing, health insurance may cover tens of thousands (if not millions) of dollars in treatments.

Even if you have the most amazing case, not having health insurance means that the proceeds of any later settlement or trial goes to pay the providers when it could have gone to your pain and suffering that you had to endure as a result of the injuries.

As a slight caveat, under some circumstances the insurance company for the other driver may reduce any settlement offer by the amount paid by insurance. However, this depends on the state and an entirely different analysis. You’ll need to consult with a car accident lawyer in your state to determine if this applies.

Avoid Waiting Until The Last Minute To Seek Necessary Medical Treatment Or Blowing Off Your Appointments If They Are Recommended By A Treating Healthcare Professional

Whether it’s the day after the accident and you were discharged from the Emergency Room or it’s month three of physical therapy or chiropractic care, you need to keep your appointments. We cannot stress this enough.

Car insurance companies for the other driver will even go so far as to unjustly say that you’re faking your injuries. They may resort to this accusation if you stop going to your appointments or blow off treatment all-together before it has run it’s course. Frequently, soft tissue injuries can “flare up” if maintenance treatments do not continue until their natural conclusion.

Once upon a time, it was a socially-acceptable attribute for people to be “tough” and “suck it up” despite pain. That doesn’t appear to be a common thread in today’s negotiations with insurance companies, especially when it comes to auto-injury cases. If you feel a certain way, pursue treatment. We recommend to clients to keep a daily pain and inconvenience journal, so we can see how they are progressing in their treatment.

Lawsuit Time: “Let’s Get It On!”

While this article was limited to what a victim of car accident can do to improve their case prior to their first legal consultation, I would be remiss if I did not include one final bit of information: choose an attorney that isn’t afraid of going to trial. If you don’t get the settlement offer that you are looking for (and is reasonable given prior settlements or verdicts), a knowledgeable Virginia car accident attorney would have no qualms about filing a lawsuit and making a request for appropriate damages to the judge or jury.

If, after negotiation with the insurance company and discussion with my client, we don’t get a settlement offer that is reasonable, then it may be time to file a lawsuit.

Occasionally, it may be advisable to cut the claims representatives out all together and file the lawsuit against the person that hurt you.

If the other driver’s insurance company doesn’t place the right value on your case, a jury of your peers may see that you internalized your pain, choosing not to be a burden on your family and friends, and assess damages a more reasonable way.

The Top 9 Best Beaches of Goa

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Have you explored it yet? GOA is a destination of beaches. Explore till you get your peace and your favourite spot. Discover the ones, which have not been explored by many.

Butterfly – If you are planning a quite vacation, then this is the place to be.It lies towards the north of Paloeum beach. Best way to reach is via boat ride from Paloeum beach. Calm peaceful with no disturbance away from the hustle bustle.

Tiger – Located in South Goa. It is one of the most isolated beaches in Goa and truly a wild one. Taking a stroll with your loved one on the soft white sand is a delight here. Fresh breeze hitting the rocks, sea looking at you with all the brightness and shine is breathtaking. Ferry from Kola beach can be rented to take you there.

TIP: carry your snacks and water and other important items.

Hollant – This beach is a delight for travellers. It’s a great beach to go for nice swim unlike the others in Goa. Enjoy a swim and get your perfect tan here. It’s well connected and can be reached in your scooty or car from Vasco. Good cafes and hotel are around.

Betul – is a secluded beach and picturesque. The stunning side of the Mobor peninsula is around the Betul hills giving a spectacular view. It’s a great place to do some fishing the goan style. Trust me worth an experience.

TIP: carry your picnic basket

Cola – A romantic beach, it’s mesmerising and magical at the same time. It feels the sea is begging you to visit again and again. The beauty of the beach is the river flows very close to the beach. Highly recommended. Take a ride from Palolem- Cancona to reach here.

Arambol – It’s a non-crowded beach unlike the Baga and Candolium beaches. Away in the extreme North Goa this beach is located. You can take a long walk by the seaside. Heavenly isn’t it. Arambol takes care of the basic amenities from food to shacks and if you want to relax, then get a nice massage done by the sea.

Morjim – is the now called: Mini Russia, as lot of Russians prefer this beach. This beach gives bird enthusiasts a reason to keep coming back again and again. Great place for bird sighting and travellers thrill lies in dolphin sighting.A must visit place in North Goa if you want to watch turtles by your side.

Vagator – is a great place to enjoy the sunset by the rocks with a beer in your hand. Quiet yet a ravishing place to visit. Lot of tourists prefers this to Anjuna and other beaches.

Siradio – It’s a beach with all that can interest a traveller. A beach great for shell collection to a rocky sandy beach, which entices you to explore the caves around it. It has the great history, which is best explored when you are there.

Affordable Housing for the Middle Class

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“What does affordable housing in Gurgaon, with its high-lifestyle, urbanization, and posh-societies look like?” You may think, given that Residential Flats varies in its meaning for different demographic profiles. Especially in the Indian real estate market, affordable housing has a connotation for housing for the lower income group (LIG), by which they too can enjoy a comfortable living and security. With the incumbent government’s focus on this section and more on the affordable housing, it seems like the real estate sector has been able to get the boost that it had been waiting for of late.

However, there is an important trend that needs to be taken note of before the government claims that its affordable housing project is a success. The term affordable housing, in different contexts, also has a local meaning. According to this, affordable housing includes housing options for a segment of population that can become potential home buyers in a city. If we take this definition into consideration, there is a sizeable population in every city, which although it will not identify with or fall under the LIG, is equally incapable of allotting a large budget for buying homes. It is not only sensitive and cost-wary but is looking forward to finding a house of a decent budget-size within the realms of the city. A typical example is of the residential flats in Gurgaon, which although are well-furnished, but do not still fall under the budget for the middle class.

When we take this population’s demands and needs a little more seriously, we find that there is a dearth of properties in good locations within the city, which buyers can afford. These buyers often have a budget of INR 30-40 lakhs, but more cities including Delhi NCR have a deficit in properties which match this budget range. Usually properties which are around INR 20 lakhs are still on the outskirts lacking good transportation and other facilities required by the urban middle class. This means that there is indeed a requirement for more housing under the affordable housing section, where different demographic profiles can find properties for themselves.

There is an urgent need for developers to come up with budget housing projects in the larger cities. As modern India moves towards development and rising aspirations, affordable housing and the security that comes with it, is increasing. This appears to be a very high opportunity for developers who can count on a boost in the real estate industry. More absorption of the housing projects in the urban cities is also a strong indicator of the socioeconomic growth in the country, thereby projecting a positive image. While the demand is strong and only increasing, there are a lot of policy-level changes that need to be introduced.

Not only will the affordable housing for the middle class prove to be a sustainable business model for the future, it will also allow more cities to come up to ranks. More affordable housing projects will assure developers that they do not struggle with inflation or even setbacks in the economy. Another trend that one needs to channelize is that more real estate investors are now eyeing budget and affordable housing projects. Where luxury homes and premium homes find it hard to make it through a rough economy, affordable housing is still on the move. The healthy demand in addition with more money coming in steady from investors means a healthy micro-economy. It is now time for builders and the government to give this proposition a try, ensuring that the overall development of the country happens throughout.

Gurgaon based real estate company’s residential flats in Gurgaon include their massive projects of Solera (Sector 107), Synera (Sector 81, NH8) Andour Heights (Sector 71), Orchard Avenue (Sector 93), Grand Iva (Sector 103), Roselia (Sector 95A), Serenas (Sector 36) and The Millennia (Sector 37D). At present, Gurgaon based real estate company’s Signum project offers retail shops in Gurugram in sector 36, 95A, 93, 103, 71, 81, and 107.

Alimony, Support and Division of Assets Explained in Pennsylvania

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Spousal Support

Spousal Support is available to a married spouse, when the couple resides in separate homes and one spouse earns more than the other spouse. There are defenses against spousal support and it is important to have an attorney assist you in your claim for or against spousal support.

Alimony Pendente Lite

Alimony Pendente Lite is a type of support that is limited in nature and paid to the lesser income earning spouse by the higher income earning spouse in accordance to a statutory formula until the divorce is finalized. This support was enacted to equalize the parties incomes during the divorce proceedings and allow each spouse to afford the divorce process and expenses.

Alimony

In Pennsylvania, there is not a set formula to determine post-divorce alimony. Whether or not to award post-divorce alimony payments lies within the exclusive discretion of the court. The court relies on the following 17 factors to determine whether to award post-divorce alimony.

The 17 Factors of Alimony

  • The relative earnings of both spouses.
  • The duration of the marriage.
  • The ages and physical, mental and emotional states of the two spouses.
  • The sources of income of both spouses. This includes medical, retirement, insurance or other benefits.
  • The expected future earnings and inheritances of the two spouses.
  • The degree to which one spouse has contributed to the other spouse’s education, training or increased earning potential.
  • The degree to which a spouse will be financially affected by their position as the custodian of a minor child.
  • The standard of living of the spouses established during the marriage.
  • The relative education of the parties. This also considers the amount of time it would take for the spouse seeking alimony to acquire the education or training necessary to find employment.
  • The relative assets and liabilities of the two spouses.
  • The property each spouse brought to the marriage.
  • The degree a spouse contributed as a homemaker.
  • The relative needs of the two spouses.
  • The marital misconduct of either of the spouses during the marriage.
  • The federal, state and local tax consequences of the alimony.
  • Whether the spouse seeking alimony lacks sufficient property to provide for their reasonable needs.
  • Whether the spouse seeking alimony is incapable of supporting themselves through appropriate employment.

[1] Title 7, Pennsylvania Code, ยง6102.

Division of Assests

In Pennsylvania “marital property” means all property acquired by either party during the marriage and the increase in value of any non-marital property acquired. However, marital property does not include:

Veterans’ benefits exempt from attachment, levy or seizure pursuant to the act of September 2, 1958 (Public Law 85-857, 72 Stat. 1229), as amended, except for those benefits received by a veteran where the veteran has waived a portion of his military retirement pay in order to receive veterans’ compensation.

Property to the extent to which the property has been mortgaged or otherwise encumbered in good faith for value prior to the date of final separation.

Any payment received as a result of an award or settlement for any cause of action or claim which accrued prior to the marriage or after the date of final separation regardless of when the payment was received.

Property acquired prior to marriage or property acquired in exchange for property acquired prior to the marriage.

Property excluded by valid agreement of the parties entered into before, during or after the marriage.
Property acquired by gift, except between spouses, bequest, devise or descent or property acquired in exchange for such property.

Property acquired after final separation until the date of divorce, except for property acquired in exchange for marital assets.

Property which a party has sold, granted, conveyed or otherwise disposed of in good faith and for value prior to the date of final separation.

Pennsylvania states that the increase in value of any non-marital property acquired pursuant to subsection shall be measured from the date of marriage or later acquisition date to either the date of final separation or the date as close to the hearing on equitable distribution as possible, whichever date results in a lesser increase.