competition wizard magazine january 2019 pdf

competition wizard magazine january 2019 pdf

competition wizard magazine january 2019 pdf  Published this article page no  How does getting divorced affect your credit?  Who is responsible for the credit card bills? Mary and Bill recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accounts, all three creditors contacted Mary for payment. She referred them to the divorce decree, insisting that she was not responsible for the accounts. The creditors correctly stated that they were not parties to the decree and that Mary was still legally responsible for paying off the couple's joint accounts. Mary later found out that the late payments appeared on her credit report. If you've recently been through a divorce - or are contemplating one - you may want to look closely at issues involving credit. Understanding the different kinds of credit accounts opened during a marriage may help illuminate the potential benefits - and pitfalls - of each. There are two types of credit accounts: individual and joint. You can permit authorized persons to use the account with either. When you apply for credit - whether a charge card or a mortgage loan - you'll be asked to select one type. Individual or Joint Account Individual Account: Your income, assets, and credit history are considered by the creditor. Whether you are married or single, you alone are responsible for paying off the debt. The account will appear on your credit report, and may appear on the credit report of any "authorized" user. However, if you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin), you and your spouse may be responsible for debts incurred during the marriage, and the individual debts of one spouse may appear on the credit report of the other. Advantages/Disadvantages: If you're not employed outside the home, work part-time, or have a low-paying job, it may be difficult to demonstrate a strong financial picture without your spouse's income. But if you open an account in your name and are responsible, no one can negatively affect your credit record. Joint Account: Your income, financial assets, and credit history - and your spouse's - are considerations for a joint account. No matter who handles the household bills, you and your spouse are responsible for seeing that debts are paid. A creditor who reports the credit history of a joint account to credit bureaus must report it in both names (if the account was opened after June 1, 1977). Advantages/Disadvantages: An application combining the financial resources of two people may present a stronger case to a creditor who is granting a loan or credit card. But because two people applied together for the credit, each is responsible for the debt. This is true even if a divorce decree assigns separate debt obligations to each spouse. Former spouses who run up bills and don't pay them can hurt their ex-partner's credit histories on jointly-held accounts. If you open an individual account, you may authorize another person to use it. If you name your spouse as the authorized user, a creditor who reports the credit history to a credit bureau must report it in your spouse's name as well as in your's (if the account was opened after June 1, 1977). A creditor also may report the credit history in the name of any other authorized user. Advantages/Disadvantages: User accounts often are opened for convenience. They benefit people who might not qualify for credit on their own, such as students or homemakers. While these people may use the account, you - not they - are contractually liable for paying the debt. If You Divorce If you're considering divorce or separation, pay special attention to the status of your credit accounts. If you maintain joint accounts during this time, it's important to make regular payments so your credit record won't suffer. As long as there's an outstanding balance on a joint account, you and your spouse are responsible for it. If you divorce, you may want to close joint accounts or accounts in which your former spouse was an authorized user. Or ask the creditor to convert these accounts to individual accounts. By law, a creditor cannot close a joint account because of a change in marital status, but can do so at the request of either spouse. A creditor, however, does not have to change joint accounts to individual accounts. The creditor can require you to reapply for credit on an individual basis and then, based on your new application, extend or deny you credit. In the case of a mortgage or home equity loan, a lender is likely to require refinancing to remove a spouse from the obligation. competition wizard magazine january 2019 pdf

competition wizard magazine 2019

competition wizard magazine 2019

competition wizard magazine 2019  Published this article page no  There are a number of countries wherein divorce is already culturally acceptable and also legal. Among these are countries like the United States, United Kingdom, Canada, Japan, and South Korea, which have all been affected by the popularity of divorce. Divorce has been legal in Canada since the 1960s. Divorce is legal in Japan; the country has been able to maintain a distinctly low divorce ratio. The popularity of divorce in developed countries has been on the up rise since the 20th century. divorce, divorce forms, legal, child support, mediation, separation, annulment, family law, relationships, alimony, custody In countries which are predominantly Catholic, divorce is not welcomed by the culture which is greatly influenced by religion. For example in the Philippines and Malta, divorce is illegal. Because of the Catholic Church’s influence, a number of countries in Europe like France banned divorce. As a result, people in these locations may seek out other areas in order to get divorced. In countries which have legalized divorce, separating from your spouse may be much simpler than in those where divorce remains illegal. In countries where divorce is illegal and annulment may be the only way of getting out of a problem marriage, matters can get much more complicated. The process of annulment may take a much longer period of time than the procedure of divorce. Divorce is the termination of a marriage contract. Annulment, on the other hand, deems the marriage null and void, as if one were never married in the first place. This makes couples think twice before considering the final step of annulment. But this can have its pros and cons. Most of the time, a woman may even stay in an abusive relationship for a long period just because of the culture’s view on separation. This is exactly where countries which have legalized divorce have the upper hand. In these cultures, getting out of any kind of abusive relationship as soon as possible is emphasized greatly. Looking at it this way, divorce becomes a tool for saving those spouses in detrimental marriages. But divorce itself may also be abused. Marriage is a serious decision for anyone and it should not be taken lightly with the thought that one may just as easily get a divorce. Debate upon the ease in which a couple may get divorced in some cultures has also long been discussed. The “Las Vegas” ease of tying the knot and just as easily cutting it off has been highly criticized by conservative cultures. Getting married for a couple of hours just for the feel of it and then getting divorced soon after in just the same hurry is a clear example of how divorce can be abused. competition wizard magazine 2019

banking services chronicle magazine pdf in hindi

 banking services chronicle magazine pdf in hindi

banking services chronicle magazine pdf in hindi  Published this article  Death suffering pain grief and loss are the unfortunate realities around us in these unprecedented times. A tragedy of whose actual gravity is yet to be unfolded. While the second wave of the pandemic has tested and overburdened the existing healthcare systems the chances of a third wave too cannot be negated with a time and scale yet to be known. The unpredictability of the virus and the scale of havoc it has done is unimaginable. It has disrupted every possible human activity. What began as a health crisis has soon turned into a devastating disrupter for trade and commerce wiping away millions of jobs due to varying degrees of lockdowns which were announced in an attempt to control the spread of the virus. With the passage of time the trade-off between saving lives and saving livelihoods has grown starker. A milestone in the recent history of human civilisation the pandemic is here to stay and we have no other option but to equip our healthcare systems to fight this massive battle and vaccinate as much as we can. The healthcare workers frontline workers doctors researchers are facing enormous challenges one after the other. banking services chronicle magazine pdf in hindi

 banking services chronicle magazine pdf in hindi

banking services chronicle pdf

 banking services chronicle pdf

banking services chronicle pdf  Published this article As a part of Sankalp se Siddhi - Village & Digital Connect Drive teams (comprising officials from TRIFED and State Implementation Agencies/Mentoring Agencies/Partners) have been visiting villages to activate and understand the status of Van Dhan Vikas Kendras. The visits are taking place across the country and have helped Team TRIFED to oversee the ground-level implementation of the Van Dhan Vikas Kendras. A state where the implementation of the Van Dhan Yojana is gaining quick ground is Odisha. With 660 Van Dhan Vikas Kendras subsumed into 22 Van Dhan Vikas Kendra Clusters more than 6300 tribals are being positively impacted in the state. Over the past few months training procurement of machinery required for processing branding and packaging has been going on in these clusters which are spread across the state in Mayurbhanj Keonjhar Rayagada Sundargarh and Koraput. Production and processing of raw materials by the tribals has commenced earlier this month. In Mayurbhanj district tribal beneficiaries in three clusters Luguburu VDVKC MaaDharithri VDVKC and Bhimakund VDVKC will work on processing sal leaf sal seeds kusum seeds and wild honey to produce plates cups made of sal leaves kusum oil and processed honey. banking services chronicle pdf

 banking services chronicle pdf

banking service chronicle magazine pdf

 banking service chronicle magazine pdf 

banking service chronicle magazine pdf  Published this article page no  The extraction and utilization of coal have created a massive impact on environment with far reaching consequences. Nearly 65 per cent of Indias electricity is generated from thermal power for which the feedstock is invariably coal mined in India. Power generation through the Boiler-Turbine route results in atmospheric pollution due to the release of particulate matter carbon dioxide sulphur and nitrous oxides. The other major energy source is oil. Oil pollution is an inescapable fact of life in the 21st century when the teeming millions depend on oil for various modes of transport. The process of extraction of oil transportation and storage of oil cause enormous loss to the natural and human environment. India has set a target to phase out petrol and diesel driven vehicles by 2030. Indian automotive sector is among the fastest growing industries in the world. By 2020 it is expected the annual demand for passenger vehicles commercial vehicles and two wheelers in the country will be 46.7 million turning India into the third largest vehicle market in the world. As per International Energy Agency (IEA) estimates globally transportation sector accounts for 30 per cent of worldwide energy consumption and is the second largest source of carbon dioxide emission contributing to 20 per cent of greenhouse gas. Indias National Mission for Electric Mobility seeks to mitigate the adverse impact of economic development by completely switching over to electric vehicles by 2030. A n o t h e r m a j o r s o u r c e o f environmental pollution is nuclear power generation. Nuclear plants create 50 per cent more thermal pollution than fossil fuel plants. The challenge India faces now is to improve energy access to modern energy at affordable price in a sustainable and responsible manner without sacrificing economic growth and social development to meet the aspirations of its burgeoning population. banking service chronicle magazine pdf

banking service chronicle magazine pdf 

competition in focus current affairs.com magazine

 competition in focus current affairs.com magazine

competition in focus current affairs.com magazine Published this article page no  In recent times many young faces have emerged in the fashion industry showcasing the garments weaving and patterns from the north east. Earlier this year during the Lakme Fashion week models walked down the ramp in shades of ivory a thin black strip stood out in their otherwise restrained ensembles   it had striking motifs of the Meitei tribe. It was Manipur-based designer Richana Khumanthems ode to her land and its traditions. Indians are finally learning to be more inclusive stated fashion commentator Prasad Bidapa. The Northeast is a vibrant society that is very youthful and international in its thinking. Today designers are leading from the front. Many models too come from the region. I hope to see more and more joining the industry. competition in focus current affairs.com magazine

competition in focus current affairs.com magazine

csr hindi subscription

 csr hindi subscription 

csr hindi subscription  Published this article page no  An Angami Naga Sekhose attributes much of his design style to his roots in Nagaland imbibing a modern adaptation of tribal patterns colours and textiles from his native region. Similarly a native of Meghalaya Stacey Pongener Syiem has created a niche for herself in the UK with her urban tribal fashion brand Little Hill People. Her culturally infused contemporary fashion wear apparel and accessories are the epitome of innovative designs using traditional weaves and beads of the tribes of North East India. The north-east region by way of its location enjoys key advantages as much as it throws up challenges for businesses. The situation however has improved significantly in the last few years. There is increase in the share of industrial activity in all eight states in the region with Meghalaya Tripura and Arunachal Pradesh recording the highest growth. Most development indices also show a positive performance in the region when compared to other states in India. This is just the beginning of the growth story and one can see that the textile industry will be acting as a pivot of this growth. csr hindi subscription

csr hindi subscription