11 Practical Matters To Consider Before You Get Married

11 Practical Matters To Consider Before You Get Married


Marriage is an act of free choice and personal commitment between two adults, and at the same time it is also a social institution. As such, the state has a vested interest in the success of your partnership as a basic unit of society. In the weeks and days before your wedding, or very shortly thereafter, you will have to take care of some of the following practical matters.

1. Find out how to apply for a marriage license in the city or county where the ceremony is to be held and meet whatever requirements exist there. These vary from place to place and state to state: waiting periods, blood tests, evidence of vaccinations, a general physical exam, etc. Ask your officiant about the licensing requirements, or call the county recorder clerk's office.

2. Make appointments for any medical checkups or procedures you want to have completed before marriage.

3. Change beneficiaries to include your spouse on any preexisting insurance policies such as health or life insurance or investment plans. Most people have these plans through their employer, so talk to your human resources at work to find out how your marriage will affect whatever policies and plans you have.

4. Compare the benefit and protection plans each of you holds and determine what else you may need. Contact your independent insurance agent for changes and additions on car and home-owner's insurance, as well as on any other coverage.

5. Add your spouse's name to any bank accounts, car registrations, investment accounts, or credit cards you intend to share. Be careful, though, because little words like “and” and “or” make a difference. A joint savings account for Jane Smith "and" John Smith means that both signatures are required for a transaction; "or" means either signature will do. You should understand that, if you hold bank accounts and/or credit accounts in both names, you will each have free access to those accounts and each be legally responsible for any bills incurred by the other.

Tip: It would be wise to thoroughly investigate the legal and tax ramifications, under the laws of your state, of placing any previously owned private property into joint ownership. The state does not automatically assume that a husband and wife are one entity, and sometimes, even if only in the interest of marital harmony, it makes sense to retain some "separate" property rights on significant holdings. Get professional advice for more information.

6. If you will change your name after marriage or if he will be combining his surname with yours, you each need to effect that change on driver's licenses, employment records, Social Security cards, bank accounts, credit cards, and so on. A married woman does not have to change her name at all, and failure to do so will not affect the legitimacy of children born of the marriage.

In addition, in the U.S., under the Equal Credit Opportunity Act (ECOA), a woman is entitled, and encouraged, to maintain her own separate credit rating. Even if she has no outside employment, she can establish a personal credit rating by simply using her own name. In addition, under the ECOA, a person may not be denied a credit application or refused a loan because of marital status.

7. If you have a will, you might want to review its provisions in light of your new status with an attorney in the state in which you will be residing after marriage. Rights of survivorship vary from state to state, and a will executed in one location is not automatically upheld in another.

8. If there are any assets at all between you and any concern for the welfare and convenience of your spouse should something happen, you should each have a will. Nobody likes to think about such things, but the time to do it is now when you are both healthy and happy.

9. If either of you has been married before or is receiving alimony, keep in mind that it will stop once you are remarried. Other aspects of the divorce settlement could be affected, as well. You will need to inform your former spouse about your marriage plans, and one, or both of you may need to see an attorney.

10. If either of you owns a business or if you plan to own and operate a business together, seek legal and professional advice. There are special considerations for husbands and wives as business partners under the law.

11. Review your tax situation. Most married couples still find filing jointly to be the easiest, most advantageous method. But that may not be true for you. Note that if you do file jointly, you will each be responsible for the full total of the tax bill.

The Advantages and Disadvantages of Internet Dating

The Advantages and Disadvantages of Internet Dating


In the technologically advanced world that we live in today, it is not surprising that there is an option available such as Internet dating. This offer is in fact incredibly popular around the world, especially in North America. There are both advantages and disadvantages to Internet dating, as with almost anything else, and these should be thoroughly considered first by anyone who is planning on trying out Internet dating. Although the Internet is efficient and quick, there are certain dangers and precautions that should be known by anyone who is using it, especially young adults.

Advantages of Internet Dating

There are many advantages to Internet dating, such as the fact that the Internet combined with the available dating services online, make for a quick, easy, and exact combination match of the qualities you say you are looking for in a person.

You can also feel comfortable in knowing that with Internet dating you do not have to actually meet the person until you feel ready, so if you talk with them a couple of times and decide that you really have nothing in common, that you’re not attracted to the person, or maybe you have even already found someone else – regardless of the reason, you can easily stop talking to them without having to give an explanation, and without having to put yourself through the awkwardness of a forced meet.

Disadvantages of Internet Dating

There are also many disadvantages of Internet dating, such as the fact that you can never really be sure that the person you are conversing with is actually who they say they are. Even if you are contacting this person through a reputable online dating service, you should know and understand that it is not hard for the other person to use someone else’s photo and then lie about his actual identity.

Although a lot of the times this is not the case, there have been many times when this exact situation has occurred; you go to meet the person you thought was someone else, and rather than finding what you were expecting, you find something completely different.

There is also the danger factor, as the person you’re meeting could be lying about their identity and could be a criminal. The key here is to be safe, know what you are doing, and take the proper measures to protect yourself. Even if you are sure that the person is not lying at all about their identity, if you are planning to meet them in person, you should do so in a public place so that you do not have to feel uncomfortable, threatened or uneasy.

7 Persuasive Reasons Why Men Should Shave Their Privates

7 Persuasive Reasons Why Men Should Shave Their Privates

Here are seven reasons why men should consider shaving their privates. No, I'm not talking about the Army, although a "soldier" at attention, with a shiny helmet and a loaded weapon, is definitely involved.

Most men worry obsessively about the hair on their heads but rarely give a second thought to their pubic hair. Only when the time is right with that special lady do men realize they should have spent some time grooming their privates. Guys, here are 7 compelling reasons why you should groom your pubic hair or even remove it completely.


1. Cleanliness. The crotch is a focal point for heat, sweat, and bacteria. Cropping or removing your pubic hair makes that area much easier to keep clean, and more importantly, smelling clean and manly. She's more likely to explore that area up close if it's well maintained.


2. Novelty. The contrast between your obviously adult-sized package and your new hairlessness can be quite erotic, and not just to you! Your lover may gush over the idea of making love to what now has the illusion of being forbidden fruit.


3. It's More Inviting. If you remove most or all of her objections to performing oral sex on you, isn't it worth the trouble? Pay special attention to removing stray hairs from your shaft. Hair in the mouth sucks, but she won't if she finds one.


4. Don't Forget The Scrotum. A woman's body is playground of softness and smoothness, so don't you think she'll appreciate the same on you? A silky smooth ball sack invites both manual and oral caresses. She's far more likely to play down there if she doesn't have to use a weed-whacker to find it.


5. It's Healthier. She'll see immediately that you have no skin outbreaks or unwanted "critters" to hide. Furthermore, you will have greater manual sensitivity when you perform your periodic testicular self-exam. You do examine yourself regularly, don't you? You should. The earlier you catch any problems, the easier they are to fix.

Learn more about Testicular Self Exams (TSE)


6. It's Fun To Let Her Do It! That's right, let her shave you! This is not only an exercise in trust, but a highly-suspenseful erotic thrill ride. The danger of an ultra sharp razor in such a sensitive area, the tension of long slow razor strokes, the aching of your pulse-pounding erection, and the foamy friction of her shaving-creamed hand on your shaft can intensify your pleasure like you never thought possible. Just don't make any sudden moves.


And most importantly (to some at least):

7. It Makes Your Erection Look Huge. I'm not kidding - you will swear that you gained at least an extra inch in length! If your crotch is not groomed regularly, you probably have pubic hair at least part way up your shaft. Your penis "appears" to begin where that pubic hair ends. Remove the underbrush and your hidden length will be revealed.


When you're grooming the hair on your "big head," don't forget about the hair on the "little head" too! Whether you do it to please yourself or a partner (or both), regular pubic hair grooming or even total pubic hair removal can spice up your love life. If you like it enough, consider permanent removal methods such as laser hair removal or electrolysis.

Note that some people experience moderate to intense itching the first few days after shaving as the pubic hair grows back. You might want your first grooming experience to be at the beginning of a weekend so you're not squirming in your office chair all day Monday! The itching should decrease or stop if you continue to groom yourself regularly.

And if the guys in the gym locker room make fun of you, first ask them why they are checking out your package. In the embarrassed silence that follows, tell them why you did it, that you're having twice as much sex as they are, and what she's doing now that she wouldn't do before! Then get ready to answer their questions.

Thank you for reading. Learn more about hair removal for women and men by using the resources displayed below.

Doug Smith owns and operates free websites about hair removal and laser hair removal . Click now to see if you are a candidate for laser hair removal and what the side effects are.