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Top Couple’s Costumes

Couples costumes are so much fun, whether it’s you and your significant other, a friend or a family member. You can choose to go with something that reflects your personality, or get completely carried away with a fantasy ensemble for your next Halloween bash or themed party. You can always go with simpler couple’s costumes like pirate guy and girl, football star and cheerleader, or prom king and queen. However, here are five costume ideas that are a bit more unique:

1. Elvis and Priscilla: For Elvis, you can go with the white Elvis suit, or any 60′s style suit. If you have black hair, great, slick it into a pompadour, or pick up an Elvis themed wig and sideburns. Add gold sunglasses. Priscilla needs long black hair, with the bangs teased back into a barrette. Don’t forget dramatic black liner (her signature), nude colored lipstick, and a short dress and go-go boots.

2. Bonnie and Clyde: Recreate the drama of this celebrity criminal couple. Clyde simply needs a suit and slicked back (preferably black)hair. Girls: A black flapper knee length dress, pair of high heeled shoes and makeup with heavy, dark eye shadow, bright red lipstick and blush. Accessorize your costume with guns.

3. Bert and Ernie: This one makes me laugh. You’ll probably need to purchase this one online as it’s a bit hard to recreate on your own. And no fighting over who gets to be Ernie!

4. Adam and Eve: This one can be a cinch to make on your own. You’ll need nude bodysuits or tights, a cluster of leaves to cover those private areas, and a long blonde wig for Eve.

5. Fred and Wilma Flintstone/Betty and Barney Rubble: Whichever cartoon TV couple you prefer, you’ll have prehistoric fun in these getups. Even better if you have two friends to go with you who could play the other Bedrock couple. Wilma: red wig, white cavewoman dress, large bead necklace. Fred: orange and black caveman outfit, black wig. Barney: brown caveman outfit, blonde wig. Betty: blue cavewoman dress, black wig and hair bow, large bead necklace.

6. Luke Skywalker and Princess Leia: You need the signature buns for Princess Leia, available as a wig, or if you have long dark hair, you can do this yourself. For an outfit, Princess Leia can either wear the earlier white robe-style dress or the sexier gold slave bikini (similar to a harem costume). Luke Skywalker needs light-colored leggings and leg warmers, a white robe with a brown belt, and of course the light sabre.

7. Oktoberfest: This couple’s costume offers a lot of versatility: the woman Oktoberfest costume can be sweet or sexy, with a shorter or longer skirt, with as much cleavage as you want to show. Braids or pigtails complete the look. It may take some convincing to get your guy to wear lederhosen and the green felt hat, but this is a great one if you can pull it off.

8. King and Queen of Hearts: Look for sexy red and black crinoline skirts and heart-covered bustiers for the queen, or go with a giant playing card for more or a cover up. For the king, either a giant playing card or a royal robe and crown complete this duo.

9. Light socket and plug: Another humorous costume, always a hit at any Halloween party, is the light socket and plug.

10. Tin Man and Dorothy: Follow the yellow brick road! You can really do any combo here: Dorothy and the Lion, or the Scarecrow, or the Tin Man. Dorothy: Blue and white checked dress with white apron, braids, a wicker basket and mini dog (real or stuffed)! The Tin Man costume is a full metal outfit, so make sure you can eat or drink in it before you go out!

Infertility Chat Rooms

23 June, 10:06, by admin Tags: Alleviated, Chat Rooms, Countless Hours, Couples, Fabulous Resource, Friends And Family, Infertility, Loneliness, Memory, Recipient, Rooms Chat, Sensitive Issue, Shame, Wonderful Way

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Infertility Chat Rooms are a wonderful way to connect with other people who are struggling to get pregnant. In the early days of my own infertility I found that chat rooms offered an incredible way to alleviate the loneliness I felt almost all of the time.

Since infertility only hits about 10% of couples who try to conceive, it can be hard to find people to talk to that truly understand this sensitive issue. I can’t count how many times I heard comments like “I bet if you just relax it will happen” or my personal favorite “you can always adopt”. This is easy to say if you conceived your children easily. Struggling month after month and then year after year to have your own baby while everyone around you gets pregnant easily can be heartbreaking to say the least. The memory of this feeling is still sharp for me.

I spent countless hours in infertility chat rooms. The internet is a fabulous resource for information on how to get pregnant. It’s also a great resource for connecting with people who are interested in the same subjects as you are. Infertility is no different. I found that almost all of the other people I chatted with felt like I did. This alleviated the loneliness and even the shame I felt because I was infertile. These people reported being the recipient of most of the thoughtless comments that I had heard as well. Many had been treated far more thoughtlessly by friends and family than I had. All of this was provided by infertility chat rooms.

Joint Investing Important Financial Questions to Answer Before Marriage

07 March, 09:08, by admin Tags: Assumption, Checking Savings, Couples, Divorce, Expenditures, Financial Future, Financial Questions, Financial Stability, Important Decisions, Incomes, Investment Research, Investments, Marriage, Marriage Breaks, Marriage Success, Money Problems, Origins, Part Time, Rest Of Your Life, Staying Home

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Marriage is on of the most important decisions you will make in your life. If you are lucky enough to have found someone you want to spend the rest of your life with, make sure you take the steps to ensure your marriage success. Nearly 50% of all marriages end in divorce. Even more staggering is that about 90% of marriage breaks have their origins in money problems. It is important to have a joint financial plan which both parties agree to and are comfortable with. Fully understanding what the financial future holds is important. When questions arise within the marriage the “plan” can be used to address and mediate these problems.

The first question that needs to be asked is “Who is responsible for handling the money?” This is a question that most people never consider before tying the knock. There is often an assumption that the other person is handling everything and then you find out that no one is controlling your finances. It is important that, as a couple, if you are planning on investing, that you have the financial stability to be able too. Make sure you decide on who is going to handle the checking, savings, investment, and emergency accounts. Who will be responsible for doing the investment research and monitor your growth. In addition, plan on having regular meetings in which you chat about your finances and investments. Couples usually do not discuss money unless they are in the middle of an argument and obviously nothing can be resolved then.

Another issue that will directly affect if, when, and how you invest is if both people are going to work. If both people are going to work will it be full or part time. This is important because having a budget and knowing exactly what your expenditures are, will reveal what available funds you have to invest. Additionally, if you have children who will be staying home with them? Obviously two incomes can allow for more investing however a single income, if used correctly, can be manipulated in such a way that it covers all necessities, a few luxury, and long term investment.

The topic of joint or separate checking accounts is a conflict which a married couple probably won’t see until well into their marriage. At that point the problem is unresolvable. Make sure you decide if you will have joint checking, savings, investment accounts or will each person have their own. Many people share a joint checking and saving which money from both incomes is deposited into for household expenses. Then there can be joint investment accounts which will benefit the whole family. Due to companies offering their employees 401K and IRAs, those should be kept separate.

Make sure you chat about what each person’s long and short term goals are. After ten years of marriage you don’t want to find out one person has longed to retire early and sail around the world while you have envision something much less adventurous. Knowing long and short term goals will allow your financial advisor to diversify your investments in such a way that each of your retirement dreams can be achieved.

Most pre-marriage planning has to do with the wedding. Very few people have the foresight and the will to actually plan a marriage. Take the time and effort to openly discuss money and investments. Being true partners before marriage and solving the conflicts before they happen will not only make your wedding day less stressful but may, in the end, save your marriage.

Manali Honeymoon Package Offers Bewitching Attraction Sites to the Couples

Have you ever been to Queen of hills? If not, than plan for a beautiful expedition to Himachal Pradesh that will take you on the beautiful world of picturesque landscapes, snowcapped or mountains, cascading waterfalls, fruit laden orchards ,lush green valleys and many more. This is the beautiful state of India which offers a tremendous opportunity for nature-lovers, adventure seekers, and travelers. A trip to this beautiful state of India is always good answer to the lunacy of life. Well, if you are newly married and wish to celebrate your auspicious occasion in the tranquil surroundings of nature then you must plan for this beautiful state which will surely make your tour remarkable.

The refreshing ambiance of this heavenly place will surely kick start your newly married life with praise and merry. The picturesque and the pristine hill stations of Himachal Pradesh including Shimla and Manali will be very instrumental in making your mood romantic and honeymoon fantastic.

The scenic landscape and pleasant climate makes these hill stations a paradise for honeymooners. There are numerous captivating hill stations in this state which are equally magnificent in their own way but honeymooners prefer to Shimla Manali due to its charm.

Manali is well connected with transport you can be reach there by road or air. The main attraction of this place is snow fall as well as snow capped mountains. During cold season honeymooner’s glad to experience this snow falls. For the sake of accelerating their joy and happiness honeymoon couples come especially for this snow fall which they can experience in the Rohtang Pass.

There are many places to visit like Solang Valley, Rahala Waterfalls, Rohtang Falls, Monasteries, Clubhouse, and many alike which you can observe with Manali Honeymoon Package.

Apart from Manali, Shimla is another hill station often referred as Queen of hill stations as well as Switzerland of India. This beautiful place is adorned with numerous enchanting beauties which never fail to lure the heart of tourists and entice them to visit this place from all the year round. Many journeys to experience this magnificent place will be few, which is paradise on earth in real sense. Shimla offers fantastic view of the snow capped mountains has several appealing tourist attractions which are very helpful to enhance the romanticism among honeymooners. Apart from honeymooners Shimla is the best place for travelers, families, nature lovers and adventure seekers. And if you really wish to escape from this summer then there wouldn’t be any beautiful place like Shimla which is truly beautiful. The ridge, The Mall, the Christ Church, the Kali Bari temple, the Shimla state museum and the Tara Devi Temple are some of the major attraction sites of this place where you can visit during your honeymoon.

Apart from viewing these attractions and to make your journey more remarkable you can do many other adventurous activities such as Mountain climbing, skiing, Trekking, Golfing and Angling. Thus whether you are looking for two days and two weeks honeymooning in Kullu Manali will surely give you some of the magical moments that you would cherish throughout your life.

Survivorship Life Insurance

Mrs. and Mr. X own a significant estate that they plan to leave behind as a legacy to their children. As part of their estate planning process, their financial advisor recommends they purchase survivorship life insurance.

Mrs. and Mr. Y have a son with special needs. They are worried about his financial security after they are gone. Their legal counsel puts forth the idea of survivorship life insurance.

Both the couples decide to find out more about survivorship life insurance or joint survivorship life insurance and here is what they learned.

Survivorship life insurance or joint survivorship life insurance is a life insurance policy that insures the lives of two persons, most often a married couple, instead of a single individual.

The death benefits of a survivorship life insurance policy are not paid out to the beneficiary until the surviving spouse also passes away.

For this reason, survivorship life insurance is also known as second-to-die life insurance policy.

One of the biggest reasons couples buy survivorship life insurance policy is to pay for estate taxes and other estate settlement costs. The policy makes use of the marital estate tax deduction, which allows postponing the payment all federal and most state estate taxes until the death of the surviving spouse.

At this time all taxes, which could have assumed considerable proportion by now on account of appreciation in the value of the estate, would need to be paid.

This is where joint survivorship life insurance policy comes into play. The proceeds of the policy are used by its beneficiaries to pay all the estate taxes and meet other costs, eliminating the need for liquidating part of the inherited estate.

The only caveat is that neither one of the insured couple can have ownership rights to the policy. The beneficiary of the policy has to be a third party such as the insured couple’s children or a trust.

Survivorship life insurance policy is also bought by couples who have children with special needs to secure their financial wellbeing. The proceeds from a second-to-die life insurance policy ensure that sufficient funds are available upon the death of both the parents to provide for the child they leave behind.

Advantages of Survivorship Life Insurance

The biggest advantage of survivorship life insurance policy is that premiums are generally low. Since the insurance company has to pay the benefits only after the death of the surviving insured spouse, this policy is significantly less expensive than buying two separate life insurance policies.

Another benefit of joint survivorship life insurance is that it is easier to purchase than individual life insurance policies even if one of the partners is in less than perfect health. The underlying reason is the same – since the insurance companies doesn’t owe the beneficiaries anything until both the partners pass away, they are not as concerned with one’s ill-health as they would be in case of traditional life insurance policies.

In fact, a person who has been denied a single life insurance may also get approved for a joint survivorship policy. However, this can differ from case to case as no one is auto approved for any life insurance product.

Survivorship life insurance policy is bought by wealthy individuals to conserve their estate. Estate taxes incurred at the time of surviving spouse’s death could be high and it may get difficult for the beneficiaries to arrange the money. Such a situation may force them to make a distress sell or liquidate parts of their inheritance. The proceeds from joint survivorship life insurance make sure that liquid cash is available to pay off the estate taxes, thereby preserving the left behind estate.

Limitations of Survivorship Life Insurance
But the survivorship life insurance policy is not without its limitation. First of all, the death benefits go to a third party, which means if the couple doesn’t have individual life insurance policies, then the surviving spouse has no coverage upon the death of one partner.

Second, it makes use of provisions of an existing estate tax law. If any changes were to be made to the tax law, a survivorship life insurance policy would no longer be valid.

Third, what happens in case a couple gets divorced after buying survivorship life insurance? That’s why couples are advised to ask their insurers for riders in case they were to split. One option they may be offered is to convert the joint survivorship policy into two single life insurance policies if they decide to go their separate ways.

And finally, joint survivorship life insurance policy is not recommended for small estate owners. It is usually advised if the value of your estate is at least .5 million!