Category Archives: Marriage & Divorce
Everyday cheapskate: Hobby Lobby savings hacks, tips and tricks – Herald & Review
I was late to the party but somehow managed to catch up quickly. Up until about three years ago, I’d never stepped foot into one of the national chain’s 800-plus stores. How I’d lived for most of my life without Hobby Lobby remains a mystery. Remarkably, somehow I did.
Hobby Lobby is basically arts-and-crafts heaven, but it also includes materials for hobbies; picture frames and framing; jewelry making; fabrics; floral supplies; wedding supplies; cards and partyware; baskets, wearable art; home accents; and holiday merchandise. And let me tell you, this company runs a tight ship.
Generally, the prices at Hobby Lobby are good. But if you know the secrets — these hacks, tips and tricks — you’ll never pay the full price on anything there again. And you’ll routinely save 50 percent (sometimes up to 90 percent). Here’s how:
Know the sale schedule. Just about everything in the store goes on sale for 50 percent off at some time or another. Knowing how to anticipate those sales is the secret to saving big. Some things never go on sale at Hobby Lobby (like gift cards and party supplies), but most things do — regularly.
Watch the weekly ad. You can see this on your smartphone with the Hobby Lobby app, check the print flyer in stores or sign up to get it your mailbox. A weekly ad appears in the local newspaper as well. You’ll be the smartest Hobby Lobby customer in town because you’ll be an expert on the sales cycles in no time.
The best-kept secret: tissue paper. Buy tissue paper at Hobby Lobby. The in-store selections (online not so much) and prices are fabulous. Use a 40 percent off coupon to make it even greater.
Use a coupon. If you can’t wait for a 50 percent off sale, use a 40 percent off coupon that is good for one eligible regular-priced item. Every week, Hobby Lobby issues a new 40 percent off coupon. You can get this on the weekly ad flyer in the store or in the Hobby Lobby smartphone app.
Post-holiday clearance. It hits 90 percent off — eventually. Take Christmas decor. It starts at 40 percent off in the summer and then hits clearance at 90 percent off after the holiday.
Love the clearance aisle. Stuff cycles in and out of the clearance area really fast because it is continuously marked down until it reaches 90 percent off. You won’t believe the bargains. Just remember that even at 90 percent, it’s a bad deal if it’s something that you don’t need, won’t use and will just add clutter to your life.
Get a price adjustment. You can’t wait for a sale. You buy that thing at full price or 30 percent off the usual sale price. The next week you see it’s 50 percent off. Don’t you hate when that happens? Well, not to worry. Bring the item and your receipt back within 14 days and the store will adjust the price and give you back the difference. This does not apply to clearance items, however.
Ask for a rain check. If the item you want is on sale but out of stock, ask customer service for a rain check. Once it’s back in stock, bring your rain check with you and you’ll get that sale price. Then you can use your 40 percent off coupon for something else.
Apply for a job. Hobby Lobby employees get an additional 15 percent off on top of sale prices. If you need a job and have super self-control, you just might want to inquire.
New Year: 7 most important relationship advice you need going into 2019 – Pulse Nigeria
The turn of the year is upon us. We are in the transition period between 2018 and 2019, that point where everyone’s slate is wiped clean and we all get a fresh start.
The opportunity to set the right tone, to do things right and get your act right is once again presented. Whether you are in love already, still waiting for love to find you, whether you are married, still crushing or already in the process of making someone’s son or daughter become the love of your life, here are 10 really important relationship lessons you need most in the year 2019.
1. Always be yourself
Especially to the person you claim to love and hope to spend a part of your life with. It profits nothing in the long run to be fake even to those who should always see you bare. People will hate you regardless of which side you project and some would love you regardless, too.
If they can’t love the real you, what’s the point anyway?
2. Focus a lot on developing yourself
It is easy for people to be attracted and to keep being attracted to people with great lives. It is that simple. Be in love with your SO, but very much with yourself as well. Be the best at your career, generate results, look good, grow in your bandwidth of wisdom and knowledge. It is always a winning strategy to work endlessly on yourself.
3.Cut off exes
Delete that number, especially the one belonging to that ex who still has so much power over you. You won’t move on if you do not deliberately cut him or her off.
ALSO READ: Bad relationship habits to leave behind in 2018
This is especially for the ladies — is there someone you’ve been eyeballing for some time that you’ve never plucked up the courage to ask out? Ask yourself what you have to lose from a refusal then go out there and ask for what you want!
Say what’s on your mind. Let your partner know how you are feeling, what you are feeling and what can be done to help the situation. Also learn how to make your case and good timing. These are other important factors of communication.
6. Be happy
If dating isn’t enjoyable, then what exactly is the point? However you decide to approach relationships in 2019, make sure that you’re having fun. If you are in a relationship, make sure you are happy and contented. If these are not in place and all you get is unhappiness, what’s the point?
7. Less phone, more outdoor activities
Enough time spent on the phone. Focus instead on getting yourself out there, meeting people and actually interacting with people in real life as much as you do online. Say yes a little more often. Sometimes, the best opportunities do not come as you expected.
Legal Advice: I feel like I’m being refused my inheritance! Can my parents really treat me like this? – Independent.ie
The last thing I want to do is fall out with my parents, but I feel like I’m being refused my inheritance! It’s 2018…. can they really treat me like this?
Dear Reader,
Thank you for your query. I am sorry to hear about the tension within your family at what should be a time of celebration.
I note you say it has been openly discussed that your brother will get the farm while you and your two sisters would all get a site. I know both of your sisters have already received their site already and you have picked out the site you would like to build on, and your family are aware of this.
You say that you feel you are being refused your inheritance and you are wondering if your parents can treat you like this. As it stands, I assume the entire farm including the site upon which you would like to build, are still in your parent’s names, i.e. they still own the land.
It is therefore their property to do with as they wish and there is no obligation on them to transfer this particular site to you while they are still living, or indeed to leave this site to you in their will.
Inheritance is the term used when you obtain something from another after that person has passed way. This is distinct from a gift which occurs while the person giving the gift is still living. Under the current law, a child is not entitled as a right to a share in their parent’s estate. Therefore, your parents can dictate what you will get and are not obliged to leave you anything.
However, they do have a ‘moral duty’ to provide for you whether by Will or during their lifetime. If your parents make a Will and do not leave this site to you in that Will or indeed not leave you anything, it is open to you to make an application to the court under section 117 of the Succession Act 1965 where you feel you have not been adequately provided for by your parents.
Where the court is of the view that having regard to your parents’ means, that they failed in their moral duty to make proper provision for you, the court may order that such provision will be made for you out of the estate. The test for a section 117 application is two-fold: firstly, you would have to satisfy the court that there was a positive failure in your parents’ moral duty and secondly, that you had a need that could have been satisfied but was not.
There is a very high onus of proof on an applicant under section 117 and the court will take a number of factors into account in determining such an application, for example, how many children were in the family, their ages, their position in life at the time of the parent’s death, the parent’s means, the financial position of you and whether you have already been provided for while your parents were living.
A 2017 Law Reform Commission report proposes to remove the moral duty of parents to provide for children in their Will, so instead a deceased parent will only have to provide proper provision for their children. If this amendment occurs, children who are unhappy with how they are provided for in a parent’s will can still bring a challenge in the courts, however it will be more difficult for them to argue they have not been provided for by their parents.
Under the current proposals, children over 18 or over 23 if in full time education will be considered to have already been properly provided for in the eyes of the law.
It does not appear from your query that you would be entitled to an alternative course of action such as promissory estoppel. Promissory estoppel is essentially a claim you could make if you could prove that you were given a clear promise that you will be given this site; and secondly that you relied upon that promise and it was reasonable for you to rely upon that promise; and thirdly that you acted to your detriment in reliance of that promise.
It appears from your query that no promise was made to you to give you this particular site at any particular time and it also appears that you are still working and living in Dublin and therefore you have not acted to your detriment by giving up your job.
To conclude, unfortunately your parents are not obliged to transfer this site to you nor are they obliged to leave this site to you in their Will.
It would be prudent for you to speak with them in relation to this matter and if that is not possible, perhaps the services of a mediator could be engaged to try and resolve the current family conflict. It is in everyone’s interests if you could sit down with your parents and discuss this issue as it would save a great deal of stress and worry for all parties concerned.
Deirdre Flynn is from a farming background and practices as a solicitor at Deirdre Flynn solicitors, 4 Ivy Terrace, Tralee, Co. Kerry. Tel: 066 7115695. Email: info@deirdreflynnsolicitors.ie
The information in this article is intended as a general guide only. While every care is taken to ensure accuracy of information provided, Deirdre Flynn does not accept responsibility for errors or omissions howsoever arising. You should seek legal advice in relation to your particular circumstances at the earliest possible time.
Online Editors
KITOTO: Pointers to help you prioritise your marriage in 2019 – Daily Nation
My wife is always angry and bitter
Greetings Kitoto,
I have been married for over 20 years. God blessed us with four children; three who are now adults and a teen. We serve in church ministry. My problem is that my wife is bitter about everything. Sometimes her complaints and bitterness makes me very angry, and I become resentful, leading me to think of retaliating. I need your counsel. Regards, JL.
Hi
Let me start by wishing you a happy New Year. At 20 years in marriage, there is plenty to celebrate about, while at the same time there are things that have happened that one would regret that they happened.
In most cases, marriage is a mixed bag of potatoes. I would encourage you to take time and be grateful for the good that you have seen in your relationship these 20 years. Let this season remind you of God’s sacrifice for mankind. May be that will give you the same peace of mind to be gracious and kind towards the good you have had together.
The challenges you have faced in the years past should not become the lens through which you view each other.
We all fail, make mistakes and deserve a second chance to make it right. It should be a blessing, I would assume, that the two of you being committed Christians and serve at church should allow your faith to be a point of reference. Faith should be the strongest bond that holds you two together. Your faith is what birth your values, beliefs and practices.
It is apparent that the fruit of your belief in God is lacking. Due to this, the two of you are now getting caught up in cycles of a wife who is complaining and bitter; with a man who is being driven to anger and desire for revenge.
Being Christians, a great place to start would be to check your behaviour against God’s Word. What does the Word of God say about the attitude you hold about each other? Because God so loved us, we also ought to love one another.
The Bible reminds us that since no one has ever seen God, whoever claims to love God yet hates a brother or sister is a liar. For whoever does not love their brother and sister, whom they have seen, cannot love God, whom they have not seen.
When I measure myself against such powerful words, my anger has to melt in the presence of such love. Being Christians, God calls you to show fruit that is in keeping with your confession of love towards others.
Since love is known to be persevering, kind, and long-suffering, you need to deal with your anger towards her and allow your love to melt her indifference away.
What then should you do? In such circumstances as the ones you face, it is easier for you to return evil for evil. However, all this would do would be to fuel the fights and keep the marriage on the edge of collapse.
Audrey Hepburn has developed the H-E-A-L (Hear — Empathise — Act — Love) technique to repair damaged relationships.
He notes that, spouses need to make an effort to stay mentally present, tear down their defences so that they can listen.
Hearing your partner should lead us to empathise with their feelings by seeking to understand what is going on beneath the surface. Empathy is only complete when it leads us to take action.
These actions can range from helping with issues in the home that irritate her to asking her how you can support her. Being practical in showing your love expresses feelings of value and respect.
