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By the end of 2018, not one of the eight asset categories tracked by Ned Davis Research was on track to post a return greater than 5 percent. Since it’s common for the market to yield at least some “winners” and “losers” among asset classes each year, this was a significant phenomenon that hasn’t occurred since 1972, according to Ed Clissold, a strategist at Ned Davis Research.

In the early days of 2019, the market has bounced back but remains somewhat volatile. The reality is that even when the market experiences a steady upward trend, it is still vulnerable to unexpected volatility. This is generally best managed through diversification, careful securities selection and, depending on individual circumstances, potentially incorporating insurance products to help provide income guarantees and financial protection for the future. For those who are concerned about what’s ahead this year and beyond, we’re happy to meet with you to discuss available investment and insurance options.

Many money managers publish a general market outlook at the beginning of each year. The following is a summary of several market prognostications.

Oppenheimer Funds

Oppenheimer researchers believe the economy will slow down in at least the first half of 2019. This is more in line with global growth and is a result of the diminishing impacts of last year’s new tax legislation and prior years’ fiscal stimulus. With that said, many experts still view U.S. stocks as inexpensive relative to bonds with greater potential to outperform, as they see both investment grade and high-yield corporate bonds as overvalued. They also have a positive outlook on a new trade agreement between the U.S. and China.

Charles Schwab

Schwab analysts are a little more bearish. They’re not encouraged by the market pressures stemming from trade wars, instead envisioning financial conditions as continuing to constrict, with slower earnings growth and increased market volatility. Moreover, Schwab is concerned that continued low unemployment numbers will start to push up wages, which in turn may reduce corporate margins and lead to higher interest rates

The Capital Group

The wealth managers of American Funds warn U.S. investors that more volatility is ahead throughout 2019, largely due to three factors: tightening monetary policy, continuing trade disagreements and debt overload. For this reason, the group is positive on international and emerging market equities, both of which appear to offer significantly lower valuations and good buys to help diversify domestic portfolios.

U.S. Trust

The analysts at U.S. Trust are less focused on individual market valuations and more on the economic life cycle. They see the transition from low inflation, low interest rates and low volatility in the markets to higher inflation, interest rates and volatility as inevitable. On a positive note, they do see these new factors leading to stronger economic growth. Moving forward, U.S. Trust favors higher-quality companies with strong global brands, healthy balance sheets and little need for capital market financing.

JP Morgan

JP Morgan sees more upside for stocks in 2019. Analysts posit an optimistic view on everything from current fundamentals to strength in earnings, investment spending, corporate balance sheets and leverage.6

Visit - 2019 Market Prognostications: What The Experts Say  - Lake Point Advisory Group

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Remember that doing your research and due diligence before an event is the best way to ensure it runs smoothly. Here are 8 key questions to ask your next DJ before you decide to hire.

Check out the other key questions to ask your next potential DJ here: https://www.djshannonc.com/

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RELATIONSHIPS ARE MEANT TO LAST

I know, you probably think I’m absolutely bogus for making that claim…

especially in the face of going through divorce.

After all, if love was meant to last, wouldn’t YOUR relationship of all relationships had lasted? ESPECIALLY with how deeply in love you were with each other when you got married?

I know, I’ve been there.

When I first got married, I just knew I’d be the one to avoid the crash & burn of marriages that people are always warning you about.

After all, we were really in love.

And I did avoid it. For 17 years.

And then, one day, my husband told me he was committed to another woman and left me. Just like that.

I was devastated, and for the first time knew what it would actually feel like to die of a broken heart.

Wasn’t he supposed to be the one?

Weren’t we in love?

And more importantly…. WHAT on earth had I done wrong to drive him away from me like that?

Hi, I’m Dr. Deborah Hecker, and since my own divorce, I’ve committed my life to helping people to reinvent themselves as post-divorce individuals and to learn the ingredients of successful, long-lasting relationships.

Divorce is one of the most upsetting times in our lives, and the statistics show, that if we don’t navigate it correctly, we’re doomed to repeat our mistakes.

Because while 41% of first-union marriages end in divorce, 60% of second marriages do, and 73% of third marriages fail.

It’s not because we don’t “learn our lessons” about money, sex, or gender roles. It’s because we don’t learn our lessons about what triggers us in relationships (romantic or not), and HOW to heal and communicate about those things.

So if you’re wondering WHY your marriage ended… or how you even ended up considering divorce from a person you used to love sooooo much, I’ve put together a 6-part email series for you, that you can have in your inbox today, and get the pieces to start to understand WHAT happened to your marriage within 15 minutes.

Visit - Online Divorce Counseling in USA

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Our culture today seems to feed on stories of infidelity. Our televisions and social media are constantly flooded with news of the latest scandals in Hollywood or professional sports. But the stories that rock us the hardest are those that hit closer to home. Whether it’s our neighbor, our child’s classmate’s parents, a relative, or even our own relationship, my bet is all of us have witnessed or experienced up close the catastrophic effects of an affair. Several of you asked about this topic on one of my recent Facebook Live segments so I want to spend the next few weeks covering various topics related to AFFAIRS.

Affairs are tough. They are tough on the betrayed and the betrayer. And truthfully, they are tough for the therapist too. Over the next few weeks we’ll talk plenty about the devastation an affair causes and the effort it takes to move past that kind of betrayal. But, in the end, what I really want to show you is a road to HOPE….hope your marriage can not only survive, but thrive, after infidelity. It is not an easy road and it’s not for the faint of heart, but I’ve personally seen many couples fight past the pain and devastation and rebuild a marriage stronger and more intimate than before.

But before we go any further, let’s talk about the myths related to affairs.

Myth 1:  Affairs only happen in unhappy marriages

Actually, affairs happen in good marriages too.  An affair is not always a sign there was something wrong in the relationship.  Sometimes it is as simple as a combination of opportunity, attraction and a lack of good boundaries, which is why affair prevention tactics are good exercises for even strong, healthy relationships.

Myth 2:  Affairs are always about sexual or physical attraction

Affairs are often about how good someone makes you feel about yourself.  It is intoxicating to be around someone who is in the infatuation stage and makes you feel you special.  Often that thrill is confused for love, but it is more about how affair partner makes you feel rather than how you feel about him/her.

Myth 3: Most of the time a person knows on some level their partner is cheating.

The truth is most affairs go undetected. Some people are masterful liars and good at compartmentalizing so they can detach from their shame and guilt.  I often hear partners say they “should have known” or they carry some burden of guilt for not knowing.  No one likes to feel foolishly naive but most of us are when it comes to believing our spouse is capable of this kind of betrayal.

However, there are some signs that could be an indication your partner is cheating.

Signs of an affair

Despite their best attempts to cover it up, when a spouse is having an affair there are typically signs to indicate infidelity may be at play. Here are some of the common ones:

Your spouse has pulled away from you emotionally. You aren’t talking or sharing the day’s events unless it involves the kids or running the household. You’ve become roommates instead of partners.Your spouse has pulled away sexually.Your spouse has become more sexual than normal, wanting sex more frequently and encouraging more experimentation.Your spouse may be overcome with guilt and giving you more attention than normal. This can look like the unfaithful spouse buying you gifts to overcompensate for their immoral behavior.Your spouse spends more time away from home. This could look like working unusually late, taking overnight trips for work or gaps of time for which they can’t account.You notice unusual charges or missing money.Your spouse is guarding their phone and will never let it out of their sight.Your spouse has changed or set up new passwords on phone and email and has not given you access.Your spouse is texting more than usual.Your spouse is up late on the computer or tablet several nights a weekYour spouse stops saying “I love you”.

Before you read these and make too many assumptions, one or two of these signs does NOT necessarily mean there is an affair.  And to accuse your spouse of an affair based on those grounds, I can assure you will not be helpful to you or your relationship.  But, if your spouse is exhibiting several of these signs together, it warrants having a discussion.

How to Speak To Your Spouse If You See Signs of an Affair

If you suspect your spouse has been unfaithful, the way you confront the situation is of utmost importance. First, you need to maintain appropriate boundaries. Betrayed spouses have a tendency to feel very justified. Using your spouse’s betrayal (or suspected betrayal) as justification for violating his/her privacy and trust by snooping for evidence is typically a really bad idea. You’ll simply be trading one kind of betrayal for another.

Ideally, you want find a time when you and your spouse aren’t particularly irritated with each other and sit down and have a conversation. I always teach my clients that difficult conversations – if you want them to go well – must come from a place of vulnerability. Below is a road map for a productive approach to this conversation.

Discuss your own feelings. This means you talk more about your feelings than your spouse’s behavior. Calmly share with your spouse your insecurity with the relationship and tell them why, without attacking or sounding critical. Letting your spouse know you’ve noticed changes and feel anxious about the possibility he/she may be involved with someone else is the goal.

Listen & recognize their concerns. Give him/her the opportunity to explain without interruption or judgment. Sometimes there are other circumstances other than an affair to explain the unusual behavior you’ve noticed. Your spouse may be under a lot of pressure at work or may be going through something else he/she hasn’t previously shared. Initially, affair or not, expect your spouse to almost certainly deny any involvement.

More Transparency.  If at this point of the conversation you still sense something is off and feel unsettled about the situation, I recommend you ask for more transparency. Say “Thank you for the reassurance,” and then tell your spouse you need more transparency. More transparency could look like access to passwords and permission to look at phones and email. It could also mean additional check-ins when your spouse is going to be out later than usual. The extra transparency needs to be communicated as temporary, to help you feel more secure about the relationship.

For some spouses, even faithful ones, the fact that you question their fidelity may upset them initially. But handled calmly and from a place of vulnerability, most spouses will comply with the request for transparency. If the request for transparency makes your spouse angry however, it is a good sign there is something more going on. And if your spouse flat out refuses to give you more transparency, this may also be an indication of infidelity.

We will continue to unpack affairs and how to recover from an unfaithful spouse in the weeks to come. If you do find out there has been an affair, I encourage you to seek help from a marriage counselor or coach with experience with affair recovery, who can help you sort through your feelings and decide on a plan of action.  

Visit - How do I know if my Spouse is Having an Affair? - The Marriage Place

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BODY

In all of our body treatments we use our tropical body range, Pure Fiji. All These Body Rituals are available for couple treatments as well. If you have any questions, just ask our friendly staff and we would love to assist you. We can also create a customise package to suit your needs.

Relaxation Full Body Massage | 60 minutes $120 | 90 minutes $170

The ultimate in relaxation. A beautiful experience to ease away tension. Custom aromas can be selected to enhance your experience.

Specialised Body Massage | 60 minutes $135 | 90 minutes $185

Choose from Remedial, Aromatherapy, Hot Stone, Soy Candle or Pregnancy Massage. Each has it's own individual client experience that will deeply relax, but also concentrate on your concerns.

Indian Head Massage | 30 minutes | $57

One of the best remedies for tension. Your head and scalp will be treated to an incredible experience.

Body Scrub | 30 minutes | $77

Smooth and soften your skin to perfection. Customised to your mood, choose your personalised aroma's and exfoliants.

Body Scrub & Steam | 60 minutes | $107

Smooth and soften your skin to perfection. Customised to your mood, choose your personalised aroma's and exfoliants. Steam treatment is done prior to your body scrub.

Body Scrub & Massage from | 90 minutes | $177

Smooth and soften your skin to perfection and then follow up with one of our beautiful massage rituals. Customised to you, you're welcome to choose a 1 hour massage or 90 minute massage. Price may vary.

Hydrating Body Wrap | 30 minutes | $77

Drench your skin in our heavenly hydrating body wrap for the softest skin you’ve ever had.

Body Scrub, Steam, Massage & Mask from | 2.5 hours | $277

Smooth and soften your skin with a full body scrub, full body massage, treatment mask and scalp massage. Customise your massage time to suit as well as your aromas.

Body Scrub, Steam & Massage | 105 minutes | $207

Smooth and soften your skin with a full body scrub, full body massage and herbal steam treatment. Customise your massage time to suit as well as your aromas.

Body Scrub, Steam, Body Wrap & Head Massage | 90 minutes | $197

Smooth and soften your skin with a full body scrub, full body massage, treatment mask and indian head massage. Customise your massage time to suit as well as your aromas.

Herbal Steam Treatment | 20 minutes | $37

A beautiful way to detox and relax. A refreshing herbal steam is the perfect pick me up and can be added in to any of our body treatments.

Detox Steam, Infrared Sauna & Vichy Shower | 30 minutes | $77

Receive the benefits from a detox and sauna session. To help draw out toxins in the body. Packages can also be purchased.

Hydrotherapy Bath & Soak | 30 minutes | from $97

Soak and ease aching muscles. The perfect way to relax and unwind prior to a body treatment. Choose your aroma's and benefits. Starting from $105

Visit - Face Body Day Spa & Beauty Salon Parramatta

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How Involved Should Parents Be In the Admissions Process?

When I look at the photo included on this blog post, I think of me as a mother and my deep desire to be with my kids every step of the way. As I write this blog, I am coming at it from two ways: 1) as an almost twenty-year veteran in college admissions sharing my experiences of what seems to work, and 2) as a mother of a teenager and pre-teen trying to practice what I preach with my own children.

Parents often ask me what their role should be in their student’s college admissions process. There is definitely a healthy way to be involved and a not-so-healthy way. Your whole goal of the college admissions process is to support your student through the transition to adulthood. Being mindful of this goal can help bring this process into perspective and make for a more amicable experience with your student. After dedicating almost two decades of my professional life to the college admissions process, I have discovered the more parents can allow for students to be self-reflective and gain independence, the happier and more successful college and adult life can be.

Here are some roles for parents to consider in the college admissions process…

Communicate from a place of curiosity, so you can hear about your student’s interests and ideas for college. This can open your student up to wanting to have on-going dialogue.

Meet your student where he or she is at in the process. Not every student is on the same path and will be in the same place in the process. So remain supportive of who your student is and where they are at.

Manage your boundaries around the college talk. Consider agreeing to once a week for college talk, so everyone is on the same page and your student does not get frustrated with constant college talk.

Some parents and students hire a mentor or a college counselor or work with a school counselor to serve as an outside resource where students to express themselves freely. Teenagers tend to listen to folks outside of their parents when it comes to the admissions process, so providing them with the connections or resources may be helpful.

Help your student plan out dates for testing, college visits, vacations, summer programs, and more. And help arrange college visits.

Allow your student to make their own choices around majors, college essays subjects, school choices, and more. Parents may have their own opinions about college majors, college choices, etc, and definitely having a family conversation about these opinions, ideas, and expectations is valuable. Also allowing students to have an authentic choice is very important to a young person in their own development.

Avoid editing and reading your student’s college essays. You can help in the brainstorming stages so your student can get out the ideas that best represent him or her, but avoid being involved with writing and steering of the essay writing process. It is important that the essays remain in the student’s words and reflect their ideas and choices. Some parents may serve as an editor for grammar and not touch the flow, style, and content of the essays. Colleges can spot essays that reflect heavy parent involvement.

Plan out how you are going to pay for college. Be comfortable discussing the family college budget and financial restrictions, so students have a better understanding of affordable college choices.

Apply for financial aid and assist your student with the scholarship search process.

If your student needs support, then assist in arranging test prep and academic tutors, registering for the ACT, SAT, Subject Tests and any other testing needed, and any calendar scheduling details.

You can contact the financial aid office with questions about financing college, however, your student needs to be the only one to contact the admissions office directly about specific application and admission questions.

Provide a shoulder to lean on and help your student ride the emotional way of college admissions.

Visit - How Involved Should Parents Be In the Admissions Process? - The Best U

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Hi, I’m Scarlett ….and I show women how to see themselves differently.

I’ve been helping women feel great about how they look since I was 21 (and let’s not talk about how long ago that was).

At the time I worked for a cosmetic company, and actually got my first promotion largely in part because I understood how the way you looked affected the way people perceive you.

People would often ask me for style advice because I always dressed “different” and didn’t necessarily follow trends, but had a natural knack for finding bargains and clothes that flattered me.

Never would I have dreamed that years later I would be an image consultant – mostly because I didn’t know that was a thing you could get paid for!

Now I enjoy working with women to help them feel more confident when they walk into a room and be noticed for all the right reasons.

You would be surprised at how many women I talk to that are selling themselves short in their business because they are afraid of being seen. One of my clients literally was turning down speaking engagements because she didn’t feel comfortable with how she looked on stage!

You know what? There is no such thing as a perfect body or look, and we just frustrate ourselves trying to look like someone we aren’t.

I have an eye for what will look good on a client no matter what shape, size, or coloring (did you hear that? That means I can make you look good and you don’t have to skip dessert).

I get excited about taking boring outfits and turning them into “oh hell yeah, look at me outfits” while making my client feel great about herself.

Just like on the day you get your hair done, and you feel like you can conquer the world; when you have a personal style that suits you and makes you feel amazing about how you look, you’ll be confident in putting yourself out there to be noticed – it changes the game in your business and personal life.

Things You Should Know About My Styling Skills and Who I Do and Don’t Work With:

I make creating your personal style and wardrobe fun and relaxing because I understand that many women actually DON’T enjoy shopping.

I am a bit quirky in my approach and make my clients comfortable and confident, even in their underwear.

I am not a fashionista and do not have a ‘perfect’ body so I don’t expect you to.

I get excited when my clients say “I would never have picked that for myself!” and they realize how amazing they look.

I never let my clients look like fashion victims, nor like everyone else in the room.

I am not a fan of trends and the styles I create are timeless and my clients never look outdated.

I would NEVER try to change a woman by putting her into clothes that make her physically or mentally uncomfortable.

I am not loyal to any particular brand or store, and I don’t receive a commission for any items I suggest for clients.

I am a MASTER at creating a whole new wardrobe from clothes you already have in your closet – and for finding new looks at reasonable prices, if we need to go shopping together.

In 2012 I was honored by Westchester Magazine with the title: “The Red Hot Image Maker” due to my transformational work with women.

I wrote a book, Stop Stressing About Dressing, that will teach you styling tricks that will make you say out loud, WOW I never knew that and actually laugh out loud. You will LOL for real. You can get your copy on Amazon.

Who I DON’T Work with:

Women who LOVE to shop and buy lots of clothes, because more isn’t necessarily better. I’m into quality, not quantity.

Brand or designer fanatics (a Prada dress that is the wrong color or style is just a very expensive mistake – not a fashion statement).

Women who aren’t open to stepping out of their comfort zone to find what really works for them.

Visit - https://www.scarlettimage.com/about/

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Narcissists are addicted to feeling special and struggle to (or sometimes even can’t) feel empathy for others.  Not surprisingly, this makes being in relationship with one extremely challenging.  In Part 1 of this series on narcissism, I gave you some characteristic traits to help you identify a narcissist.  Statistically, most of us are in a relationship of some kind with one, whether it be with a spouse, parent, sibling, co-worker, or friend.  So, in this segment, I want to teach you how to live with a narcissist and the inherent risks of doing so.

Build your ‘ego strength’

Because a narcissist has too much ‘ego’, they most often end up in relationship with someone who is lower on the narcissism scale, someone who may stand down and keep quiet when in conflict with the narcissist.  If this is you, know that your silence creates an unhealthy balance, a breeding ground where the narcissistic behavior can thrive. Without showing them the mirror or telling them their behavior is offensive, it allows them to continue to behave badly without any consequences.  Step one for you is to build your confidence, your core strength. Increasing your own self-esteem allows you to more effectively deal with being in relationship with someone who has an excessive amount of it. Learn to speak respectfully but speak up and take your equal place at the table. This includes being able to communicate who you are and what you need in the relationship when the narcissist tries to minimize or diminish your feelings. Yes, it will cause tension; but learning to sit in that healthy tension is part of your work.  Individual therapy is a good place to start if you want to build your core ego strength.

Know what your limits are

To live in relationship with a narcissist, you also need to be crystal clear on what you won’t live with. Set limits on what behavior you will or won’t tolerate.  While you can’t fight every single battle, you absolutely must know what is non-negotiable for you.  Emotional abuse, raging, compulsive lying, serial affairs, and unaddressed addictions are examples of behavior that may indicate the narcissist in your life is unwilling or unable to change.  And always, if you or your children are in a physically abusive or unsafe environment of any kind, I recommend you leave it.

Surround yourself with a support system

When you live with a narcissist, you end up keeping a lot of secrets, with few on the outside really understanding how difficult life inside your home can be.  It’s important for you to find a strong confidant, someone who can support you and remind you that you aren’t crazy, selfish, or too sensitive ….and who can help balance what you may be hearing from the narcissist.

Neutralize the narcissist’s leverage

Being dependent on or in debt to a narcissist, gives a narcissist key leverage to be used to influence or control you. Financial dependence is a great example. If you’re a stay at home parent married to a narcissist or have a narcissist parent who is financially supporting you, exert your independence and begin making plans on how to support yourself. Your independence will minimize the narcissist’s leverage.

Catch them doing good

Telling a narcissist they are being narcissistic simply doesn’t work.  Rarely is a narcissist self-aware enough to recognize their true motivation or how their behavior impacts the lives of those around them.  So instead of focusing on the behavior you don’t like, catch them being good. Catch them in the softer moments, where they display just a touch of empathy, and then make a big deal of it. Should you have to do this?  Of course not. But the goal is to help them see that feeling special (remember they are addicted to this) comes through connection, not through attractiveness or being powerful, successful, loud or by winning.  

Change how you respond to wounding

When someone hurts us, most of us respond in one of two ways – we either go silent and swallow it, or, we go on attack.  While both are understandable, neither is helpful when dealing with a narcissist. Silence empowers a narcissist and by attacking, you contribute to a cycle of increasing intensity that is toxic for everyone, and especially so the kids.  Instead, respond to the wounding from a place of vulnerability. Focus on how their behavior made you feel. For example, “Mom, when you told me I’m a complete disappointment to you, it was devastating to me. I felt shame and it hurt me.”  And then watch how they respond. Do they show any empathy for your pain? If so, this is a good sign they can change. But if they flip it around and make it about how you’ve hurt them, or if they get defensive, angry and minimize, you have your work cut out for you. You may be dealing with a narcissist who will not change.

Use the pre-emptive strike

When you are dealing with a narcissist, you quickly learn to anticipate situations that may be painful or cause you wounding. When you know these situations are coming, it’s time to be proactive in establishing your boundaries and put the narcissist on notice that you will not tolerate unhealthy behavior.  For example “I would like for us to be able to both enjoy our daughter’s school play on Thursday but it you choose to yell or call me names as you have chosen to do in the past, I want you to know now I will end the conversation and will ask you to leave.” Narcissists do not like to be predictable so do not expect your narcissist to appreciate your up-front frankness and boundary setting.  But this is where you even the playing field and find your true empowerment. Set healthy respectful boundaries and follow through on your promises.

Your biggest risks

Being in a relationship with a narcissist comes with risks.  The two biggest are a broken heart and the loss of your self-esteem. I believe we are created for connection, something extremely difficult for a narcissist whose primary motivation is to make themselves feel special. It can be a very lonely existence, full of criticism and lacking in empathy, so you must be prepared to grow your own ego-strength and set firm respectful boundaries.

It’s a tough road to navigate.

Professional help

It often takes a skilled therapist to help a narcissist understand the impact their behavior has on those around him/her, and to build the ego-strength of their partner to stand up and show the narcissist the mirror when appropriate.

Visit - How to Live with a Narcissist - The Marriage Place

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What The Best U Does

The Best U College Admissions Consulting is a team of college admissions experts that use their experiences as university admissions counselors and high school counselors to take the guesswork out of the college admissions process. At the cornerstone of The Best U’s services is the importance placed on determining each student’s college admissions needs and empowering students to find their right next steps.

Our goal is to provide families with as much information as we can in order to help them navigate and manage their admissions process in a stress free and empowered way.

The Best U is available…

The Best U College Counselors are available for one-on-one meetings upon request to address any specific questions you may have throughout the college application process.

The Best U’s experience…

Our collective experience and personalized approach assures that you receive expert guidance that positions you for success in finding your best fit.

The Best U Team

Team members have decades of experience in the college admissions field including serving as school counselors and reviewing applications at Johns Hopkins University and Northeastern University.

Mission

The Best U brings expertise and awareness to create a stress-free college admissions experience for students and families located all over the United States and world.

Effective, Empowering…and always about YOU!

Find out how The Best U can best help you today.

Visit - http://thebestu.net

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RELATIONSHIPS ARE MEANT TO LAST

I know, you probably think I’m absolutely bogus for making that claim…

especially in the face of going through divorce.

After all, if love was meant to last, wouldn’t YOUR relationship of all relationships had lasted? ESPECIALLY with how deeply in love you were with each other when you got married?

I know, I’ve been there.

When I first got married, I just knew I’d be the one to avoid the crash & burn of marriages that people are always warning you about.

After all, we were really in love.

And I did avoid it. For 17 years.

And then, one day, my husband told me he was committed to another woman and left me. Just like that.

I was devastated, and for the first time knew what it would actually feel like to die of a broken heart.

Wasn’t he supposed to be the one?

Weren’t we in love?

And more importantly…. WHAT on earth had I done wrong to drive him away from me like that?

Hi, I’m Dr. Deborah Hecker, and since my own divorce, I’ve committed my life to helping people to reinvent themselves as post-divorce individuals and to learn the ingredients of successful, long-lasting relationships.

Divorce is one of the most upsetting times in our lives, and the statistics show, that if we don’t navigate it correctly, we’re doomed to repeat our mistakes.

Because while 41% of first-union marriages end in divorce, 60% of second marriages do, and 73% of third marriages fail.

It’s not because we don’t “learn our lessons” about money, sex, or gender roles. It’s because we don’t learn our lessons about what triggers us in relationships (romantic or not), and HOW to heal and communicate about those things.

So if you’re wondering WHY your marriage ended… or how you even ended up considering divorce from a person you used to love sooooo much, I’ve put together a 6-part email series for you, that you can have in your inbox today, and get the pieces to start to understand WHAT happened to your marriage within 15 minutes.

Visit - https://www.drdeborahhecker.com

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Should you save your marriage or not? Determining the appropriate course of action means figuring out if your problems can be solved – and more importantly, if you want to solve them.

What happens when your spouse isn’t sure they want to save the marriage or not? Should you stay or should you go? Traditional marriage counseling won’t help in this situation. In fact, it can make things worse!

Discernment Counseling, also known is as “Stay-or-Go”, is about clarity. Your clarity. It is for those who are considering divorce but want to be sure this is the right path for them. If you want to take one more look before making a permanent decision with long term consequences, Discernment Counseling is what you need.

Discernment Counseling helps couples better understand what’s happened to their relationship, so they can decide whether to break up or work to repair it. It’s very different from traditional marriage or relationship counseling because this kind of counseling is not about solving the problems; it’s about figuring out whether the problems can be solved.

Who needs discernment counseling?

Discernment counseling is designed primarily for couples where one partner is leaning out of the marriage and the other wants to stay together and fix the problems; or where both spouses are questioning whether staying together is the right thing to do. In Discernment Counseling you can expect to:

Gain clarity and confidence about what steps to take next with your marriage

Develop a deeper understanding of what has happened to your marriage

Look at “three sides” of your problems: yours, your spouse’s and that of an objective third party

Make a good decision about whether to move towards divorce, or make one last try to restore the relationship to health

What does discernment counseling involve?

The discernment counselor will help the couple choose among three options: moving towards divorce, carving out a period of time for an all-out effort to preserve the marriage, or agreeing to decide later. The sessions are divided between conversation with the couple together and individual conversations with each spouse. The counselor respects the reasons for divorce while trying to open the possibility of restoring the marriage to health.

The counselor helps both partners see their individual contributions to the problems and to possible solutions. Understanding what you’ve contributed to the marriage problems can be useful in future relationships even if this one ends.

Discernment Counseling is considered successful when both partners more fully understand what’s happened to their relationship and have clarity and confidence in their decision on how to move forward – whatever that decision may be.

Visit - Discernment Counseling in Plano, Texas

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ADVANCED SKIN TREATMENTS

Collagen Induction Therapy | 90 minutes | $397

Collagen Induction Therapy, also known as Skin Needling, is one of the most advanced skin treatments available for Acne, Pigmentation, Scarring & Premature Ageing. Using very fine needles to promote tissue stimulation, new collagen is produced to help soften and smooth the appearance of the skin. For our Duty of Care to you, we only use the highest quality products and equipment. For maximum results we recommend a course of 6 treatments. Buy 5 get 1 FREE.

LED Light Therapy | 30 minutes | $67

Non-invasive and a must have for almost all skin types, LED light therapy works at a cellular level to penetrate deep into the cells, heightening their internal functions, photo-stimulating dermal blood flow, kill bacteria and create faster healing. Buy 5 get 1 FREE.

Microdermabrasion | 30 minutes $97 | 60 minutes $149

Renew your skin. Pores are un-clogged, congestion cleared and the skin is left feeling smooth, soft and supple. Treat conditions such as pigmentation, fine lines, acne scarring and blackheads. Buy 5 get 1 FREE.

TREATMENT UPGRADES

Hyaluronic Eye Mask | $27

Marine Collage Anti-Fatigue Eye Mask | $27

24k Gold Collagen Eye Mask | $19

Enzyme Peel | $19

AHA / BHA Peel | $19

LED Treatment 20 minutes | $37

Microdermabrasion 20 minutes | $37

iBeauty Add on | $37

Hot Coconut Oil Scalp Massage Treatment | $27

Fresh Herbs Steam Room Treatment | $37

Face Massage 20 minutes | $37

Visit - Face Body Day Spa & Beauty Salon Parramatta

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What The Best U Does

The Best U College Admissions Consulting is a team of college admissions experts that use their experiences as university admissions counselors and high school counselors to take the guesswork out of the college admissions process. At the cornerstone of The Best U’s services is the importance placed on determining each student’s college admissions needs and empowering students to find their right next steps.

Our goal is to provide families with as much information as we can in order to help them navigate and manage their admissions process in a stress free and empowered way.

The Best U is available…

The Best U College Counselors are available for one-on-one meetings upon request to address any specific questions you may have throughout the college application process.

The Best U’s experience…

Our collective experience and personalized approach assures that you receive expert guidance that positions you for success in finding your best fit.

The Best U Team

Team members have decades of experience in the college admissions field including serving as school counselors and reviewing applications at Johns Hopkins University and Northeastern University.

Mission

The Best U brings expertise and awareness to create a stress-free college admissions experience for students and families located all over the United States and world.

Effective, Empowering…and always about YOU!

Find out how The Best U can best help you today.

Visit - http://thebestu.net

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Hi, I'm Scarlett De Bease and welcome to Scarlett Says.

Tired of hating to shop for clothes?

Frustrated you can never find anything that fits and looks good on you when you're shopping for clothes?

As a wardrobe stylist, image consultant and personal shopper for professional women, I have made it my mission to show you how to look younger, thinner and taller while projecting confidence and success.

Visit - http://www.ScarlettImage.com

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Did you know why 75% of divorces are initiated by women?   Listen to Kim Bowen taking about Why Women Choose Divorce?

Visit: TheMarriagePlace.Com

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FACIAL TREATMENTS

Whether you’re looking to just purely relax, or you’re after a more in depth skin assessment and treatment, here at Face Body Day Spa, we have a Facial treatment just for you. Our team have ensured they are highly trained and very knowledgable in all things skin, to ensure you received the absolute best result for your skin concern.

A consultation is included prior to any advanced skin treatments such as Skin Needling, Microdermabrasion and LED Light Therapy.

Illuminating Radiance Facial | 30 minutes | $67

A beautiful & quick pick me up. Including double cleanse, exfoliation, treatment mask, hand or scalp massage and environmental protection.

Goddess Spa Facial | 50 minutes | $97

For glowing skin fit for a goddess. Including double cleanse, exfoliation, treatment mask, face massage, hand or scalp massage and environmental protection.  

Heart of the Ocean Facial | 60 minutes | $127

Our favourite marine based facial for gorgeous results. Including a double cleanse, exfoliation, face, neck & décolleté massage, treatment mask, hand or scalp massage and environmental protection.

Deep Cleansing Facial | 60 minutes | $137

If your skin is congested and clogged, then this facial is for you. Including a resurfacing treatment from our iBeauty machine, we will remove build up and leave your skin feeling smooth and refined.

Visit - Face Body Day Spa & Beauty Salon Parramatta

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What Is A Good ACT and SAT Score?

This is a tough question to answer because it all depends on the type of schools you want to apply to. A strong score for one school may be a noncompetitive score for another school. Instead of getting fixated on a particular test score being a “good score”, I recommend two things.

Take practice tests so you can start to determine your testing abilities, strengths/weakness, and you can start to see what range you are testing within. Or work with a testing expert to help you to determine your testing goals, the scores you will most likely achieve, and determine testing abilities and limitations.

Start identifying schools you are interested in and check out the average test scores. Typically colleges will either post the middle 50th percentile test score of their accepted or enrolled freshmen students.

A great resource to use to check the average ACT and SAT scores for accepted students is by going to Collegedata.com. Collegedata has wonderful admissions information, so you can determine if you are a competitive applicant for admission based on the GPA, test scores, and more. When you go to Collegedata type in the name of a school and click on the school link. When you are on the school profile page, you will want to click on “Admission” and scroll down to see the “SAT Scores of Enrolled Freshmen” and “ACT Scores of Enrolled Freshmen.” I appreciate that Collegedata posts the score breakdown into details as you can see in this example below…

SAT Ranges

Visit - What Is A Good ACT and SAT Score? - The Best U