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HEATHER, HER SISTER AND MAKE-UP ARTIST CHARGE INTO THE BIG DIVORCE WAR

HE chose two of the finest legal brains in the country. She chose a make-up artist, a personal trainer – and her sister.

On the day the biggest div-orce battle in British legal history began in earnest, Sir Paul McCartney and Heather Mills took starkly different approaches.

With £825million at stake, the warring couple looked suitably apprehensive as they came face to face before a judge in a bid to end one of the most bitter matrimonial settlement negotiations in memory.

Experts believe that Miss Mills’ decision to go it alone and present her own case could prove costly.

They say the judge could award anything between £20million and £200million of Sir Paul’s fortune to her, depending on how convinced he is by the arguments put forward.

The experts predict that Miss Mills faces a savaging from Sir Paul’s high-powered legal team.

Ex-glamour model Miss Mills – in pink blouse, black skirt and high-heeled leather boots – left her blacked-out Mercedes people carrier in the disabled parking bay at London’s High Court, and looked stony-faced as she strode into the historic Royal Courts of Justice.

Her estranged husband arrived an hour later, ditching his trademark trainers in favour of a pin-stripe suit, white shirt, black and white knitted scarf and black shoes.

The former Beatle, 65, seemed unfazed by the extraordinary media frenzy which greeted him. It included two helicopters buzzing overhead and photographers three-to-four deep at every entrance.

Women & Money: Keeping clear-eyed about divorce's financial side

Once you've made the difficult decision to end your marriage, the next step is to work out a financial agreement. Ultimately, you may need a good lawyer to ensure an equitable settlement, but here are some things to think about:
Many states determine the value of the retirement assets to be split based on the official date of separation, not divorce. If you separate in February 2008 but don't divorce until sometime in 2009, the courts may direct you to divide the assets (the specifics will be determined by your settlement) as of February 2008. With this in mind, if your husband is about to get a bonus or retirement payout in April, you will benefit from separating after that date, and if you're expecting a big bonus a few months down the line, the same is also true for him.

If you intend to leave the house to your husband, insist that he refinance immediately and take your name off the mortgage. If your name is on it and your husband defaults or gets behind in the payments, it will affect your credit score and you'll be responsible for those payments, too. Don't let that happen.

Make copies of all your most recent financial statements, so there's an accurate record of all the money to be split. Long after the divorce is final, you can still be held liable for debt your ex-husband accumulated while you were married, even if it was in his name only.

Make sure you know about all credit cards that were taken out during your marriage. If you have cards with balances on them, pay them off now, then close those accounts. If you're not able to do that, the settlement should address a repayment schedule.

Social Security is also a big consideration. If you've been married for at least 10 years, you qualify to receive half the amount of your husband's benefits when you reach full retirement age. If half of his benefits are more than all of your benefits, you could choose to receive his instead. Even after the divorce, if your ex-husband dies, you'll be entitled to survivor's benefits starting at age 60. If you remarry before turning 60, you won't be eligible to receive payments from your ex-husband, unless that second marriage ends.

For more information on divorce and Social Security benefits, call the Social Security Administration at 800-772-1213 or go to www.ssa.gov.

Remember, settle for nothing less than what you deserve. And here's to a new happily ever after.

SIR Paul McCartney has slashed his divorce offer by £43 million following estranged wife Heather Mills' TV outbursts.

The Beatles legend, who is currently embroiled in a bitter divorce battle with Mills, is said to be fuming after she attacked him on several UK and US TV shows and has now offered her just £7 million.

A source said: "The war between them has just gone to a new level. Paul knows she will go all out to damage his reputation."

During her TV outbursts, Mills blamed McCartney for the breakdown of their marriage, claimed she felt suicidal and persecuted since receiving death threats, branded McCartney's daughter Stella "evil" and likened herself to the late Princess Diana.

Mills was dropped by her legal team Mischon de Reya following her rants, and she will now represent herself at the next divorce hearing in February.

McCartney is convinced Mills' TV appearances have weakened her case and he is confident he can thrash out a £7 million settlement.

However, Mills is planning to hit back by selling 10 explosive secret tapes she made during their marriage.

The 39-year-old vegan - who lost her left leg below the knee following a motorbike accident in 1993 - reportedly has recordings that prove McCartney accepted blame for the breakdown of their marriage, took Viagra pills to spice up their sex life and mocked her disability.

Meanwhile, McCartney is planning to confirm he is dating Nancy Shevell when they attend Harvey Weinstein's wedding together next month.

Movie mogul Weinstein will marry British fashion designer Georgina Chapman in Connecticut on December 15.

McCartney was first linked to the married millionairess after they were photographed kissing in the Hamptons last month.

The pair spent the weekend in the exclusive New York resort, having dinner, enjoying cocktails and visiting each other's mansions.

Divorce dunks Michael Jordan for £80m

As A basketball superstar, Michael Jordan was always in a league of his own. Now he is setting a record with his divorce as he prepares to pay his former wife an unprecedented settlement of more than $168m (£80m).

Last December, when Jordan, 44, and his wife Juanita, 48, split up, the athlete balked at signing the settlement. Insiders claim that negotiations have added £20m to the final deal.

The final severance package for Juanita Jordan, which includes the couple’s seven-acre estate in Chicago and custody of their three children, is expected to be agreed before the first anniversary of their last row – which was said to be about money.

The settlement eclipses the most expensive celebrity divorce on public record, in which Neil Diamond paid his ex-wife Marcia Murphey £75m. After licking his wounds, the singer, who had married the television production assistant before he became famous, won plaudits for his chivalrous verdict. “She’s worth every penny,” he said.

It makes other high-profile divorces, such as Steven Spielberg’s £50m separation from his first wife, the actress Amy Irving, and Sir Mick Jagger’s £12m farewell to Jerry Hall, seem like bargains. Sir Paul McCartney’s pending settlement with Heather Mills has been mooted at £50m.

Legal sources close to the 6ft 5in Jordan said that after 17 years of marriage he wants to get on with his life and is willing to pay a premium for an early end to his matrimonial woes. He was already a wealthy basketball star with the Chicago Bulls when the couple met on a blind date in 1984.

He proposed a few months later but Juanita initially turned him down. A year after their marriage in Las Vegas, he signed a prenuptial agreement that entitled her to half his fortune, but she has claimed only a third.

During the marriage Jordan’s warm personality and dazzling basketball skills lifted the game to new heights of popularity. He also pioneered lucrative sponsorships deals with McDonald’s, Coca-Cola and Nike, which created the bestselling range of Air Jordan shoes.

The sports icon has recently been photographed with a series of young women while Juanita is involved with a banker 20 years younger than herself.