How to manage your joint account in case of a divorce

There are several benefits to having a joint account but when relationships turn sour, things become complicated and in certain cases downright ugly if you have a vindictive partner. Hence, it is always better to know what happens to a joint account in the event of a divorce.

Your responsibilities in a joint account

Everyone who owns a joint account must realize that each party is liable to 100% of the debt and not just 50%. Hence, if your partner ever empties the coffers and you wish to close the account you can do that only when you clear all the debt incurred jointly even if you do not stay together anymore. What usually happens in most cases is that the control of a joint account invariably rests in the hand of the main breadwinner which can be disastrous for the other spouse. Despite the law stating that both parties are responsible when one party is absconding with the money, the other spouse automatically becomes responsible.

What should you do in the event of a break-up

If one of the partners is unscrupulous then the other can end up in a financial mess. Hence, it is better to inform your creditors and the bank as soon as possible of a break up so that your account can be frozen and no withdrawals can be made until both partners are present or have consented. This will not affect the pre-agreed payments and they will continue to be deducted as scheduled.

A common advice that most attorneys give their clients, especially if you are unemployed is to withdraw sufficient money to cover your basic needs before filing for a divorce because once you file a case your account will be frozen and you will not be able to withdraw any cash even to meet your daily expenses.

How your finances are divided will depend on the laws of the state you live in. but whatever the case do not remove more than 50% of the funds from the account. Based on the individual case you might be asked to even return the withdrawn funds.

How to safeguard yourself

You can open a new separate account by informing the court and your spouse about it to prevent any misunderstanding and legal complications via financial declaration. This will ensure that all your paychecks reach your account and away from the spousal reach. In case you need extra income during these stressful times you can invest in an automated trading robot like Ethereum Code which is known to provide decent returns.

Remember tough times never last but tough people do.

Comparison Between Ethereum And Litecoin

There are a lot of cryptocurrencies available in the market. Users are now aware of the basic concepts of Cryptocurrencies and Blockchain technology. But when it comes to comparing two different cryptocurrencies there are still lots of questions that come to our mind.

In this article, we will focus on the two cryptocurrencies Ethereum and Litecoin and will note down the potential difference between them. We will first note down the basic information about these two currencies.


Litecoin is much different than Ethereum and is very similar to Bitcoins. Litecoin is the digital currency in the real sense. Unlike the Ethereum, Litecoin does not need another level of a software platform and is created to be used as a virtual currency only. Litecoin was invented in 2011 by Charlie Lee. Litecoin share similarities with Bitcoins as it is actually a branch of Bitcoin.


In early 2014 a young cryptocurrency enthusiast and coder Vitalik Buterin launched Ethereum. His theory was to add more functionality to Bitcoins instead of just using it as a currency.  The Bitcoin community was not ready to accept the change and so Buterin went ahead to create his own separate blockchain.


Comparing Technologies between Ethereum and Litecoin:

Litecoin and Ethereum are totally different when it comes to the blockchain technology. Litecoin is basically used as currency and is very much similar to Bitcoin, but it is much faster and cheaper than Bitcoin. Ethereum, on the other hand, is more than just a cryptocurrency. It is a decentralized platform that enables the users to design and create their applications using smart contracts. Both Ethereum and Litecoin transactions are much faster than Bitcoins.

Comparing the prices between Ethereum and Litecoin:

The prices of Ethereum and Litecoin are different compared to each other. This is due to the amount of money invested in their creation is also different. The unit of currency for each of them is also different. The prices are calculated by considering the total amount of the money in the market and dividing it with the number of units of each currency available in the market currently. And as the number of units in the market for both currencies is different their prices are also different.

Although the capitalization of Ethereum is currently five times then the Litecoins size, its price compared to ETH is less than five times. The reason behind this is that there are more Ether coins in the market compared to the Litecoins.



Even with the differences both Ethereum and Litecoins are making their marks on the global market. With easy trading technologies, it is getting easier to trade these currencies. Find out more about the Ethereum Code on the link.

The regular user of the cryptocurrency must have come across the question of long-term scalability which is a major issue that crypto world is facing today. The network congestion that happened in the Ethereum network recently has heated up the question in a big way.

Casper is the potential up gradation of Ethereum network; it is the incremented implementation of proof of work consensus system. Casper is in the alpha testing stage to get implemented in the Ethereum network. Casper has the ambition to provide Ethereum platform with scalability and security. Once Casper gets implemented into the Ethereum network its consensus will shift from proof of work to proof of stake.

The test work on the Friendly Fidelity Gadget, Casper is running since 2014. The test model of Casper is a hybrid of POW and POS consensus. The final model that is going to be implemented is an overlay of POS on POW consensus; it is to give an added layer of protection to the Ethereum network. This design of Casper will replace miners with “validators”.  The function of validators will be basically same as miners but it has to pass through the staking system of validator fund. In this process, the validators will have to stake their own ETH as collateral to act honestly in the network.

Casper will have a profound advantage for the Ethereum network. With its implementation, the scalability of the network will largely increase for the long term. The model will lower the energy consumption required to run the network. High energy required for running these Cryptocurrencies like Bitcoin is a major area of concern for the people in the crypto world and people out of it as well.

Casper is also focusing on sharding of Ethereum database, sharding means to segregate large database into small and more manageable parts. This will lower the processing time for the information. Casper will eliminate miners from the network so the problems that the miners are facing in the network will also be eliminated. Casper is the hard fork up gradation of Ethereum.

The developers are hoping with the release of Casper Ethereum network will have a blockbuster change. The change will be for a better Ethereum network than what the users are experiencing at present.

The developers are in the hope that the whole new perspective of Ethereum will attract many new users to the network. Click here to find out more about Casper.




You might be one among the thousands who wish to make a comfortable living out of trading cryptocurrencies. If that is you, then there are certain things that you need to know before you get started, that is if you are new to trading and wish to take it slow. So, continue reading to find out what you will need to learn before venturing into the cryptocurrency trading world.

  1. First, know the price – Nothing should be taken for granted because everything has a price that you must pay. Therefore, the first thing that you must do before beginning to trade is to check the price of every trade option that you think is feasible. For this, you can refer to the trade index or to a trade broker to find out what is the latest trade value and based on this input, you can open new orders or set daily order limits safely.
  2. Second, choose a broker – The next important decision that you will need to make is to select the trade exchange, otherwise known as the trade broker so that you can make secure fund transfers or deposits. A trade exchange or broker performs the role of a digital wallet, one that you will need to store your currencies safely. However, always check trader reviews before committing to one particular trade broker because this is a very important part while trading. Do not be carried away by false news such as Crypto Code scam and most importantly when in doubt always ask for help.
  3. Third, realize your capital – No pain, no gain! Therefore, without an initial capital investment from your end, you cannot dream of making millions out of trading. Hence, you must find out the source of your capital to fuel your trading activities. Also, remember that you must only source what you can afford to lose. This is not gambling where you can bet on a full house or a royal flush. So, keep it simple and keep it low in the beginning.
  4. Fourth, identify trading strategies – Every game requires strategy. Why do you think there are grandmasters in chess? This is because they can identify every move that their opponent will make. This is called strategizing. Similarly, as a trader you will need to identify one or two strategies of your own that you think will help you earn profits. A good way to start is by going through price charts.

What is the probability that you get a head when you toss a coin one time? We can answer this in the split of a second now in contrast to our school days when we used to struggle to get even the basics right. The answer is same as the probability of your business hitting the right note. Quite simple, isn’t it? What if you are tossing the coin continuously for innumerable times? Again, it is the same as the number of methods you need to adopt for your business. Here, it becomes quite complex. There is an organized solution to this complexity and that is called Business Statistics.

Do not rush to amass books and frantically search the internet for establishing and steadying up your dreams. We give you what you need, and exactly that. We stick to the concepts and practices in business statistics essential and for advancing.

A tailor-made statistics course for you

Statistics in a combination of numbers and science and hence is extremely flexible to be applied in any field of your preference. You can do a business pertaining to any sector, like retail, manufacturing, construction, finance, services, life sciences, medicine and so on goes the long list. Although the underlying concepts and the source of study materials are the same for all areas, the advanced application strategies vary depending on the features of the proposed business operation.

We follow a course with four modules, with the first two modules common to all business sectors. The third module makes you familiar with the statistical applications in your area of interest and the final module makes you competent to statistically approach your business independently. If you want to construct a Crypto Code algorithm, the last two modules will impart all the theories, practical training and real-life exposure in the world of trading robots.

Highlights of our course:

  • Learn and practice with real-data from the concerned business firms.
  • Face-to-face interaction with experts in statistics and business.
  • Opportunity to imbibe from your successful predecessors.
  • Flexible classroom schedules, contact classes for correspondence enrols and regular practise materials.
  • The most comprehensive coursework with references from authentic contributors, subjected to regular updates.
  • Affordable fees with comfortable installments and special fee waiver for lumpsum payments and scholarships.


On successful completion of the course, the students will be awarded recognized certificates and build-up resources for statistical programmes. Chose any duration to achieve the expertise you desire and start applying the same to your business.


Good sources of required elements are necessary for the growth of all kinds of things that exist and matter to us in one or the other way. Just how healthy and sufficient nutrition is required for the mental and physical growth of a child, similarly reliable and adequate funds are needed for a business to set-up in the initial phase and then strive in the market amongst the cut-throat competition. For a while, your trade can continue to work without enough employees but lack of money to cater the prime requirements will bring down the name and position of the firm in no time.

Since it’s very likely that there are going to be debts to deal with for the owner, his or her business without a dependable source of extra income will continue to stumble. It goes without saying that good financial back-up is the main fuel that helps the business to move ahead day by day. One can try to arrange money from different types of avenues today as the industry offers plenty of options for the same. Investing money in the banks and floating money in digital currency has become a successful trend. Online cryptocurrency software like Crypto CFD Trader provides you with every possible opportunity to grow your money to meet all your business and personal needs. Try investing in Crypto CFD Trader and create additional back-up for your company to have a sound future for your trade-in future.

Need for funding in business:

Let’s understand some of the most significant reasons that justify the importance of money management to run a successful business.

  • Having ample money in hand is the main thing required to run a business smoothly. Without decent back-up, the organization will be destined to fail.


  • All the employees working in the company need to be paid on time. For once you can compromise your own profits but you can never think of compromising the salaries of your employees as they further got to run their homes using that money.


  • Once the company has flourished enough to expand, more goods and services are to be produced. For that, one would need extra space to cater the requirements. Having enough money in the firm’s kitty with facilitating expansion very easily and without any major hassles.


  • In case of any mishaps in the company- be it fire or employees’ medical insurance- you need to have sufficient cash to pay for the needs. These requirements cannot be ignored as they are related to the safety of you as well as your employees.

It’s wise to keep these considerations in mind so that we never fall short of funds while running a business.

Mathare youth association was formed in 1987. By then mysa office was a 9 meter square room. With the expand in sports,community, selfhelp projects and leadership trainning programs by and for the youth of Mathare and for and neighbouring slums as a viable model.

One must aspire!

This is what my parents thought me. There is nothing that one cannot achieve but the only condition is that he must want it first. Indeed, a person who does not stop fighting to have it will have what he is fighting for in the end come what may. It is as if the whole universe with its diverse elements would conspire to help him get what he wants so badly.

Here is what my case was:

You will not believe that this swanky office and these lovely suits and shoes that I am sporting today were not there even a couple of years ago. I could not even afford to travel by public transport. I was in one set of clothes for more than a fortnight and the day my mother would decide that the clothes needed a wash, I would stay back in the house not attending college on the pretext of not being too well because I did not have enough clothes to go out that day.

The transformation came when my the lecturer came to know about us:

Mrs. Smith was the economics teacher and she thought that I was naturally talented in the subject. What she did not know was that I stayed up until the Zen hours on the day studying before her class to impress her so that she could help me try for a scholarship. I would do the lessons even before she would do the explanation in the class.

Mrs. Smith came to know about me through a classmate and she decided o help me do online trading and in her own words to be able to carry the burden of the house on my shoulders.

She lent me $250 and her old laptop and she asked to study the websites and give her a feedback as to which one of them was the right one to invest all that money into.

Diligent student:

The kind of responsible student that I was I decided to read through make notes, tabular columns etc and the next day I was at her desk with a small booklet titled QProfit System Review.

She read through the pages with evincing interest and looked at my face and said, “now go ahead and make sure you double that up”

When you have, give me the initial deposit back!

I was surprised. And teary-eyed. I hugged her and said a thank you. In three days flat, I returned her initial investment. She was impressed! She helped me get a good scholarship and a lifetime of trust because it is two years since and I still trade on this lovely software! I am so glad that Mrs. Smith came in my life. May good Lord Jesus bless her always!!

Inspiration and source of expertise for similar youth self-help projects in poor urban and rural communities in kenya and other countries.

Click Below







Trading in the cryptocurrency industry has become a new avenue for investors who are keen to make a good profit and making it an alternate source of income method. The established financial system and an accelerated growth of the cryptocurrency markets over the past few years has made this form of investor trading a popular mode to successfully monetize and lead their life of dreams. Preliminary research is always advisable about the cryptocurrency broker and keeping track of the type of crypto robot chosen to place the trades.

Crypto trading is a great way in achieving the financial security and independence, as the rule of the game in the trading world is slowly changing into the digital space more to enable individuals from all walks of life to trade and earn consistent profits on a daily basis, without any knowledge about this virtual industry. The more time and money one invests, the benefits are more and so is a chance to understand the minute details is placing the trades, which the robots do to completely negate the human error while placing forex currency paired or solo trading online.

Always make sure that the Crypto robot or broker one is choosing to consider to start trading is worth the time, investment and effort, continue to for the best suggestions and trade signals, for optimizing the investment with a consistent winning ratio. Users have to carefully choose the trading robot for a smooth operation into the crypto mining websites, double check the information presented in the official landing page of the website of the investment tool they propose, before choosing the robot trading. Important things to look out are a Genuine creator, authentic profits claimed, good learning guide, and realistic display of results, reliable customer support center, and special features if any indicated.

The fruitful opportunities are waiting to be explored in currency mining which is considered to be the future of trading circles as there is a lot of focus and paradigm shift, investors can avoid getting into scamming websites by carefully checking their reviews and performance in the exchanges before investing their time and earnings into the cryptocurrency trading. These robots have an immense speed to read through a lot of data, analysis and speculate favorable trades for the user and execute multiple trades in a day. A reliable crypto robot to trade is the most useful tool for beginners in the currency mining industry.


Lana Wong and Francis Kimanzi started the shootback project in August 1997. The Project consists of 31 members which is gender sensitive having 15 girls and 16 boys. The youth had to apply and the 31 members got selected for being active in MYSA activities and each one of them was given a clear shot camera and a role of film. Since then they have been taking pictures of any kind in the slum and also pictures of boys and girls from MYSA playing football.

It is so good when life gives you opportunities to grow!
Only a year ago, I had nothing to call my own. I was losing my day job to attrition in the company. The company was not doing too well fiscally and the downsizing was imminent. I knew I would have to go and finding a new job post-recession was a tough thing. I knew I had to start something alternatively or else I would be stranded and homeless. The thought of being homeless was terrifying.

That was the day I started scouting for jobs:

I met lots of people who could help me with my job hunting. I even wrote out applications for jobs I was overqualified for and then I searched the internet for options to do part-time.

I was game for even a teaching job at tutorials close by. Fortunately, while browsing only a week later, I hit upon a page where the virtues of online trading were extolled.

Now I had no idea what online trading was anyways so I skipped the article and went on reading. The following evening, I saw a similar article on online trading on my linked in profile and I knew that this was something that everyone was talking about.

So, I read up!

And am I happy that I did!

The article gave a great lowdown on everything that a novice must know about trading. I was at the end of the article quite convinced that I must also start online trading just in case I was losing my job and had nothing to fall back on.

So, I invested and lo!

In a couple of hours, I was through the screening, my initial deposit was made and I was also assigned a registered broker! Whoa! This was quick. I was impressed nonetheless!!

The best is yet to come:

Till the next morning, I have doubled my investment! Yippee!! You can learn more at Top 10 Binary Demo. Simply follow this link.

The members meet on Saturdays and discuss with their teachers the problems they face and also sometimes they get lessons from photojournalists from Kenya and other parts of the world. Some of the invited guests are; photographers from Nation newspaper Khamis Ramadhani, Rebecca Nduku . Blasto Ogindo and Wendy Stone among others.

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I was finishing my course in computer web designing when I realized that I had run out of fizz:

I was passionate about computers right from my childhood. If there was something that I wanted to do right from the beginning up to the end, it was something to do with the computers. I was a good student throughout and that ensured that I opted for the subject and I could make it easier.

The unthinkable:

Sometime in the final few years of graduation, I was losing out a lot of interest in studies. I wanted to be able to do something creative. Probably the mundane and the theory bit of the course had been bogging me down. I could not concentrate on the subjects and that was making me feel worse.

I knew there was no future without my graduation:

I pushed myself hard and even though I did not come out with flying colors I was glad that I did make it until the end. One day while browsing the course material, I came across a page on online trading. It gave me a big insight into trading on binary options and I cannot tell you how excited I was to see that this is exactly what my interest lied in.

Understanding how it worked was a step in the right direction!

Online trading is trading done completely on the internet. This means that the person is trading from the comforts of his own home. The markets are open all throughout the day and night and so it is one of the most convenient of all options in case anyone is really interested in making a little extra.

One thing to keep in mind!

The income from the trading software is only supplementary in nature unless you would be content with even a little less. But this is not to say that you cannot make anything great out of it. With practice and perseverance, you may outshine your performance each time and every time!

The idea is to not over expect in the beginning:

once you get the hang of how online trading works, you will realize that you are personally drawn towards it and there is so much scope in it and the best part is that you can trade at your convenient time and from your place of convenience, nothing really to beat that!

You may visit top 10 binary signals page if you think this be the right thing for you!

eve it’s true destiny. They will build this island in such a way that an “Ideal Digikids World” will come in to being….

The Beach-Cafe
CoFFeeShoP ThE EmPirE
de haven
Hot -Spot
The Relax Place
millennium park
holy place
The beach store