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“What about my mother’s pitcher? It has sentimental value.”

I must have looked like someone had dropped me on my head. We were on our way out of the courtroom after a very difficult final hearing. The judge had been unhappy with both lawyers and clients. Nothing sounded so good to me as a cold drink and a hot bath.

“Was it on your list?” I brightened. After all, the judge had awarded her the things listed on “Petitioner’s Exhibit 1″, and it should have had all of the personal property she wanted.

“Yes” she smiled with relief. “It was on the second page.”

Too many times, people try to remember what personal property they’ve left at the marital residence without making notes. They are so used to owning some things that it doesn’t occur to them that the judge can’t award items he / she doesn’t know about. This is why I tell my clients to make a list of what they want for me to give the court. The judge won’t be patient with a blow by blow itemization of small personal items. However, he / she will generally accept a list of items with the testimony that these are the things you want.

Your list is also useful in negotiations. If you can show your spouse what items you want, chances are he / she will agree you should have them. Even if he / she doesn’t agree with everything on your list, he / she will be sure to agree to some, if not most things, and you will have that much less work to do convincing the judge.

While you’re at it, list the things you are proposing to leave for your spouse. You won’t look greedy if you can show that he / she is getting a fair share of the stuff. Make sure you don’t hog all of the goodies, though. Your spouse and the judge will be a lot less cooperative if you are selfish.

Another good idea is to take pictures of everything before you leave. If you don’t have a digital camera, buy a disposable one at Walmart. Make sure the items are identifiable. If you can snap them individually, you’ll avoid the confusion of trying to single out a small item in a crowd. What you are trying to show may seem obvious to you, but remember, you are taking the pictures for people who aren’t familiar with your property or its condition.

Finally, you may have to estimate the worth of some things. You are looking at garage sale or auction value for most stuff. Furniture and appliances lose most of their resale value when you get them home. The price you paid originally may give you some guidance, but unless it is a big ticket item, or for some reason is unusually valuable, the court won’t think it is worth as much as you say if you estimate too high. One trick that never works is pricing your items at a too low value while hiking up the worth of the things you propose to leave your spouse. If you are dealing with antiques, you should consider getting a professional appraisal.

Courts are not that patient with personal property fights. Dishes, flat wear and linens are not usually that valuable, and a judge won’t be happy to waste his / her time listening to a dispute about them. However, if you weren’t able to take these things when you moved out, you could spend a lot of money replacing them. This is why you should make sure you know what you have before you go to court.

Investing in a facility that adheres to green building standards and performance efficiency is a smart and responsible decision. When considering the value energy efficient and environmentally friendly buildings can bring to the commercial real estate market, it seems as if going green is the wisest of investments. The practice of “going green” has been gaining popularity within the last decade.

It is more important than ever to ensure we are doing all we can to lessen mankind’s harmful impact on the environment, and the government is offering tax incentives to those who take on environmental challenges with green building practices. Our society as a whole has changed the way it sees building, living and working. That’s why living and building “green” is more attractive than ever to both residential and commercial real estate investors. Green building design consultants can help a facility reach its efficiency goals. Green design can alleviate and reduce exposure to toxic materials, as well as ensure the conservation of non-renewable materials and energy.

When it comes to green facility construction, a green design consultant will make sure the building process minimizes the ecological impact of building as well as oversee the construction to guarantee the protection of local water, soil, air, plants and wildlife. When designing a green facility, it is important to take into account the lifestyles of those who will be using the building. Make sure the facility offers support of transportation alternatives, such as walking, mass transit, biking and alternative fuels. Incorporating design features that will make it easier for commuters who use non-traditional transportation is a responsible and modern necessity.

Of course, you’ll want to utilize non-renewable energy and recycled, environmentally friendly materials in your building. Many wonderful decorations and practical applications can be made out of the abundance of recycled plastic and rubber. Plastic and rubber are extremely durable, but not very environmentally friendly. It is a wise choice to use the recycled plastic and rubber, however, because otherwise it would end up sitting in a landfill for thousands of years. And, by using recycled materials, it eliminates the need to create new, un-degradable plastic.

You may think that going green and increasing building performance efficiency would cost a lot of money. While this has been the case in the past, it is becoming more and more cost effective. In fact, green design and building often costs the same as traditional building methods. And with all the money that can be saved through efficiency and recycling, green building can actually cost far less than traditional methods over the long run. Corporations and businesses are far more likely to invest in a green building if they know it will increase their bottom line.

If you consider the long-term maintenance and energy costs, using green and energy efficient products and designs will significantly increase profitability. As green building continues to gain popularity, tax incentives will increase. It’s easy see how green design and construction will pay for itself as times goes on.

Social investing has received a lot of interest in recent years – especially following the financial crisis. Most people, however, are left wondering: What is social investing? Let’s answer this question.

To understand what social investing is, we must first consider how traditional investors look at the world. In traditional investing, investors weigh investment decisions by looking at two broad factors – risk and financial return.

Risk, Return – and Social Impact

Each investor has a certain comfort level across the risk-return spectrum, and he or she does their investing within that band of the spectrum. An investor might be comfortable giving up some of their return if an investment is safer. On the other hand, the same investor might be willing take a little more risk with an investment if it translates into a higher return.

In social investing, a third factor is thrown into consideration – social impact. Social impact means that the enterprise supported by the investment yields some benefit to society beyond the income it generates for investors. Conversely, an enterprise can also have some negative impact on society, and a social investor will also take this into consideration when making investments.

Just as traditional investors are willing to make a trade off between risk and return, social investors are willing to make a trade off between risk, return and social impact. If an enterprise is doing something that’s improving the environment, for example, a social investor may be willing to give up some financial return or assume greater risk on that investment depending on his or her individual comfort level.

In short, social investing can be defined as considering the social impact of an enterprise when making investment decisions. By this standard, a number of investment approaches fall under the umbrella of social investing: mission investing, responsible investing, double-bottom-line investing, triple-bottom-line investing, ethical investing, sustainable investing and green investing.

Social Screening

Within the universe of social investing, there are two broad categories: social screening and impact investing. In the social screening methodology, an investor comes up with a list of social standards that he or she wants his or her investments to meet.

The investor eliminates any company that does not meet these standards and then invests in the “socially responsible” companies that do meet the standards in a way that meets the investors risk and return objectives.

A number of socially responsible mutual funds have emerged that use such an approach. They adopt a social screening methodology, define a large basket of investments that adhere to those standards and then have their management company invest within that basket to meet the financial objectives of the mutual fund.

Impact Investing

The second broad category of social investing is known as impact investing or, sometimes, community investing. In impact investing, rather than investing in companies that do no harm, investments are made in companies that do social good.

Enterprises that fall under the impact investment heading perform services that have a charitable or social purpose but also have a business model that can generate income and support a financial investment. They straddle both the charity and business worlds.

Impact investment enterprises might be structured as non-profit or for-profit companies but rarely do they take the form of the large public companies listed in the capital markets. As a result, making an impact investment is more difficult and usually takes the form of a private investment in the form of a note or loan.

Impact Investment Sectors

So what exactly are these impact investment enterprises? To get a better sense, let’s look at some of the sectors that qualify as impact investments.

Affordable housing is one sector familiar to most people. Most people support an organization like Habitat for Humanity by making donations, but a foundation, for example, might support them by providing a low interest loan to fund the organization’s projects.

Microfinance is another impact investment sector. A microfinance institution makes small loans to entrepreneurial people in developing countries to give them the opportunity to start or grow their own business and lift themselves out of poverty. A microfinance institution works similar to a bank, so it is able to generate income and support investors.

There are many other similar sectors that generate income and have a social mission at their core: fair trade, community development organizations, social enterprises, etc. In each sector, companies can often find investors who are willing to give up some financial return or take on a bit more risk because of the social impact that these organizations have.

The process of colouring, by applying fabric dyes to loose fibre, thread and fabric are called fabric dyeing. Being carried out for thousands of years, it has experimented in many different ways until today, and good results have been obtained. At the present time, Viktoria Fabric Dyes, which is one of the biggest brandmarks of fabric dyeing, suggests 3 different styles of it. These are; Bucket or Sink Method, Boiling Method and Washing-Machine Method. These methods will be explained in the following passages.

I. Bucket or Sink Method
• This fabric dyeing method is carried out by filling a bucket or a large container with water or occluding the drain of the sink; so as to fill it with water.
• If the operation is carried out somewhere out of the sink; the cover should be spread so as not the water to flow out.
• Before starting this fabric dyeing operation, the sink or the bullet should be filled with 60 C hot water, as the experts advise, and the powder fabric dye should be dissolved with hot water in another container.
• If the colour is too light, a little bit more dye should be added, but if it is too dark hot water should be added.
• The dissolved dye should be poured to the place where the water is and should be stirred for a while.
• After being cleared of all of its stains, the object to be dyed is put where the dye is, by being wet, and water and the dye are stirred for 10 minutes, without giving a break.
• The fabric that is kept in the water for at least half an hour and mostly for an hour, is taken out of the water when decided that it has the expected colour.
• Just after dyeing, Fiske fabric dye stabilizer is applied in accordance with the instructions.
• You should then rinse the dyed fabric with cold water. After this, wash your fabric with warm water and a soft detergent; rinse it and dry it. After getting dried, your fabric will have the expected colour.

II. Boiling Method
Boiling is another method used for fabric dyeing.

• A large pot in which fabric can move easily is filled with water and this pot is put on the cookstove. The cookstove is switched on and when the water begins boiling the dye is added into the water.
• The object to be dyed is wetted and thrown into the water.
• The object to be dyed is put where the dye is, by wetting; after being cleaned of all its stains. It is stirred in the first 10 minutes without giving a break.
• After this step, rinse the dyed fabric with cold water. Then, wash your fabric with warm water and soft detergent, rinse and dry it. After drying, your fabric will have the expected colour.

III. Washing Machine Method
You can easily dye your fabric with washing machine fabric dyeing method.
• The temperature level of the washing machine should be fixed at the highest level. Also, the time setting should be fixed in a way that the machine will operate at least 30 minutes.
• The fabric dye is melted completely by stirring it with hot water in a plastic pot. In it, 1 teaspoon of washing-up liquid is added.
• In another pot; if cotton or linen is being dyed, salt should be dissolved in 4 glasses of very hot water; and if silk or nylon is being dyed, a cup of vinegar and 2-4 glasses of hot water should be blended(mixed( together.
• Firstly the dye, and after that, the vinegar and salt are spilt into the detergent box of the washing machine and it should be switched on.
• After the machine stops, the dyed fabric is washed one more time with warm water and it becomes ready to use.

This past September (September 1st to be exact) I was in a wheelchair in an emergency room with a fractured knee cap that occurred in a moment of fully lucid but impaired equilibrium. But here’s the good news: the bottle of beer I was carrying remained unscathed. No shattered glass or a drop of foamy goodness was lost. (That takes talent!) I should have known better than to imbibe in the second bottle of brew but as the saying goes, “What the heck. I was having a good time.” Even better news: the white jeans I was wearing survived without a mark or tear.

Have I learned my lesson? Yes, of course, I have. I’m not a dumb bunny. I no longer drink beer. I now drink white wine. Best of all, my sense of humor remains intact.

After a long wait in the emergency room, I was wheeled into a room by an attendant who thought I was his “sweetie” and waited some more for a nurse (or anyone) to appear. My daughter and son-in-law were standing behind my chair when a nurse arrived. Then the fun began. As if I was not there, the nurse asked my daughter for details about how my injury occurred.

I was thinking, “Why isn’t the nurse asking ME those questions. It’s MY injury!” Irritation gnawed at me until I finally swung the bulky chair around to face the nurse, hitting a few cabinets in the process. (I should have turned the chair before she entered the room but the space was small.) In a calm, polite tone of voice, I said, “Excuse me, I can hear and understand everything you say and I can answer all your questions. You can speak to ME. I’m not senile.” And I smiled.

The poor woman was taken aback. No one had probably spoken to her like that before. After all, she was just applying the accepted protocol for dealing with an old/older person – it’s a cultural thing, a “given” – white hair equals incompetence or senility. In her eyes, she had done nothing wrong. I knew that and that’s why I intentionally spoke to her in a calm, polite tone of voice.

Old people get used to and even expect (but don’t like) to be treated as if they don’t exist or are incompetent. It’s a societal assumption that old people can’t think clearly or remember much and they can’t hear or understand if you speak too softly or too fast. After all, most old people are senile or close to it so you have to be patronizing and deal with them as if they are children. Really? REALLY?

Not all old people are on the brink of senility – most are not even close. Mature people function quite well if they are spoken to with respect and treated with the assumption they are competent. If they are mentally impaired, acknowledge their existence and treat them respectfully.

Let’s get to the elderspeak element of the “old people are invisible” syndrome which I already experienced before I became invisible. It is beyond annoying and disrespectful. Here is an unrelated example, but typical of the elderspeak iceberg:

My sister and her husband were dedicated runners. They were “mature” – not teenagers. On their daily run around the community and their neighborhood, neighbors, sitting on their front lawn, many with a can of bubbly in their hand, yelled to them as they flew by, “you guys are so cute!” Was my sister angry? You bet. Please don’t call mature persons “cute”. A six-year-old child is cute. To call an elder “cute” is as demeaning and infantilizing as it gets.

Here’s more: If you are a healthcare worker, a mature female patient you just met is not your “sweetie” or “honey”. Terms of endearment are appropriate only when there is a romantic relationship. Egads! What a revelation! An old person in a romantic relationship? [gasp!] That’s disgusting! Really? No, it’s not. Oh, one more thing: Do not call me “young lady”. It’s patronizing, demeaning, condescending and disrespectful. (Okay, okay, I’m being overly sensitive – and grumpy.)

If those in authority call you cute or utter another term of endearment, it’s tempting to want to haul off and smack them into reality, but don’t give in to the temptation. Turn it around on them and tell them how cute they are, and what a sweetie pie they are for telling you how cute you are. Be sure to smile as you do it. Take note of their flustered or confused reaction.

When it comes to investigating Medicare options, many personal financial educators refer individuals to the Medicare.gov website. The official U.S. government website for Medicare is, without question, the most comprehensive of informational portals.

But it can be overwhelming. Especially for the 11,000 men and women who turn 65 every day and first become eligible for Medicare. For most, the terminology is tantamount to learning a new language. Medicare health care plan options are more complex and varied than most are used to.

And, there are some important things the government website doesn’t tell you. For example, it fails to clearly point out the importance of your first plan enrollment. Nowhere on the website does it say that the Medicare plan choice may be irrevocable.

Nor does it really explain what questions to ask before choosing a plan. The Medicare.gov does a great job of offering impartial comparisons, such as premium rates. But when it comes to subjective elements, these are something the website can’t obviously address.

Anyone who has been Medicare eligible for a few years will tell you that selecting the right Medicare plan is not easy. In fact, some industry estimates find that between 25 and 40 percent of people switch after making a choice. Navigating the complexity is especially hard when you are first eligible for Medicare. That’s more so if your current or prior healthcare coverage consisted of a few options pre-selected by your employer or trade union.

One of the Medicare.gov features is the appearance of being able to directly connect with an insurance company. And while it’s logical to think that ‘buying directly’ is going to be better and save you money, it’s simply not true. Quite the contrary. It could be a significant and costly mistake.

The following are things to consider when using the Medicare.gov website as shared by the American Association for Medicare Supplement Insurance, a national advocacy and educational organization.

1. Medicare.gov is much easier to use for Medicare Advantage (MA) plans. But that is just one of the options available to you. It may or may not be your best option. For those who prefer to see any doctor or specialist, only a Medigap plan offers that option. For those who travel or spend time in another state, a Medicare Advantage might not cover you outside of your primary area.

2. The Medicare.gov website doesn’t make it easy to understand things that matter such as in-network, out-of-pocket costs, drug plan coverage, coordination with Veteran’s coverage and Medicaid. “In Network” matters if you decide a Medicare Advantage plan is best for you. Knowing which local doctors, hospitals and especially specialists participate can be tricky to find on your own.

3. Medicare.gov’s Plan Comparisons seem very detailed. But they miss some important information that’s vital. For example, the decision you make when turning 65 could be irrevocable. Switching Medicare plans is not always possible. Medicare.gov does not tell you what’s possible if you don’t like your choice or when your chosen plan changes. These are all very important things to know before locking in a choice.

4. Medicare.gov’s Plan Finder prescription drug search can be confusing for those taking multiple medications. It’s especially important for the millions who take insulin medications.

5. Medicare.gov lists Medicare Advantage plan ancillary benefits (vision, dental, etc.). Unfortunately, there’s little detail of specifically what’s covered in terms of benefits and service providers.

Buying direct from an insurance company such as UnitedHealthcare (NYSE: UNH), Aetna (NYSE: AET), Cigna (NYSE: CI), or Humana (NYSE: HUM) — several of the leaders – or calling an 800-number may or may not be your best option. Is the person on the other end of the line a captive agent for the particular insurance company? Do they get some incentive for touting one particular plan over another?

Comparing Medicare plan options is always your smartest move. A local Medicare professional who is knowledgeable in local options including Medicare Advantage, Medicare Supplement and prescription drug plan choices can be a well spent hour. Today most insurance agents will arrange an online meeting to discuss options and answer questions.

A national online directory listing Medicare insurance agents is offered by the American Association for Medicare Supplement Insurance. Access is free and private, unlike most websites that require you enter information before displaying results. Whether you are turning 65 or just have Medicare insurance questions you want answered, it’s a resource worth knowing about.

That local expertise and experience comes at no cost. And, the same plans that are available online or available directly from the insurance company can be sold by an agent appointed with the particular company. Perhaps most important, it’s available for the very same cost.

There’s been a lot of talk on Social Media about the safety of preservatives these days and that’s a good thing! There is unfortunately a lot of misinformation as well. Let’s set the record straight!

Any product that is made with water requires a preservative. It’s to prevent bacteria, mold, fungus or other critters from growing in the product. Preservatives are needed to prevent contamination. Let’s talk about the preservative, Phenoxyethanol, specifically.

It rates a four on the Cosmetic safety database (0-10 scale, and four is measured at its most concentrated and isolated level, which means it’s not measured in a product). Pretty good, considered most other preservatives are measured at around seven or higher.

So let’s put it in perspective. Penoxyethanol is approved at 1% in products (Canada, Japan, and The European Union). When you consider toxicity is relative to dosage, 1% makes this is a very low risk. (Look at your label, and your preservative should be the last item on the list. Ingredients are listed in order of percentage, from the highest to the lowest. So the last ingredient on the list basically means it is the one at the lowest amount in your product).

It is also important to know how to decipher the information you read about. It’s sometimes easy to panic when you see a list of warnings, restrictions, numbers on scales, and jump to conclusions.

Penoxyethanol is a safe preservative that is approved for use at a very low dosage percentage (1%). Think of it in a 240ml/8oz bottle of lotion, for instance. At 1%, it is not a lot of preservative in your product.

Certain chemicals on their own can be concerning, but when combined are harmless. Let’s use the example of Lye. Horrible stuff on its own but mix it with water and oil and it creates soap. Add Olive Oil and you now have a soap gentle enough for children!

And.. be aware of those who might suggest that “if you can’t pronounce it, it shouldn’t be in your skincare. After all, Penoxyethanol is certainly not an easy word of the toung; but as we have disussed, you are better off to have this in your “Natural” or “Clean” skincare, than to put up with the many other chemicals available and so often utilized.

Finally, read your labels, ask questions and remember… Just because there’s a recipe on the internet for a great body scrub, it doesn’t make everyone a chemist.

Digestive health is easy to maintain, and you don’t need laxatives to maintain great colon health. Learning what your best proteins are, and combining them in your genetic zone of eating, you can keep being happy healthy and IBS free,even through old age.

Taking laxatives is dangerous for your health. Removing electrolytes from your body can damage your brain and cause seizures. Suppose you are driving and have a seizure. This could take your life unnecessarily.

Taking laxatives can have a rebound effect on your small intestine and colon. Your small intestine cannot absorb the nutrients your body needs, and the colon will stop working naturally, when it is being told when to work. This can lead to a damaged colon which has to be cut out and attached to your stomach with a colostomy bag to the outside for waste collection.

Taking laxatives causes your kidneys to shut down. When you remove all the water from your body through your colon, there is no reason for the kidneys to work, and they can shut down, causing you to have to go on dialysis.

Lastly, taking laxatives, can damage your heart. The electrolyte balance must be maintained for healthy signaling and rhythmic beating. Removing all the electrolytes from your system damages this delicate balance.

Learning how to fine-tune your eating for your best digestive health, starts with a book to learn which proteins work for your genetic blood type. Next learning which zone will work for you can be done by a simple genetic test. Are you low carb, or low fat. Are you balanced, or Mediterranean? Do you feel better eating protein, or vegetables?

Do you have any genetic aberrations, that could cause you to need additional nutritional support is another thing the simple genetic test will tell you. 40% of the population has MTHFR and eating the foods you need to support this condition will keep your colon clean and you happier and healthier.

Depending on supplementation can cause problems, because over supplementation, can cause a buildup of folic acid in the system, leading to cancer or an auto immune disease.

Learning how to manage your portion sizes, so you can help your colon heal. You may then learn how to maintain your best aging weight as well as keep your colon happy.

A happy balance of proteins and vegetables, for lunch or dinner.Fruits and fortified cereals with almond milk or fruit with yogurt or quinoa. You pick what you like best.

Learn which proteins are best for you, and which to avoid. Being open to change helps, because change is necessary to keep belly fat off.

The free newsletters, where you can get free coaching, and learn how to fine tune your eating.