Copyright (c) 2009 Suzy Vanstrusen

divorce is a sad reality in life. As reported, one out of three marriages end in divorce in the US alone. Aside from the emotional pain that comes with divorce, several financial issues will also emerge. If you’re in this situation, whats things should you do to clear your self from the threat of bankruptcy? Here are some financial tips you would want to consider:

Find a new home

If moving to a new house is an issue, you need to be very careful in choosing or purchasing a new home for you and your children. Make sure that you carefully research not only on the property you’ll buy but with the mortgage lender you will apply for as well.

Consider getting a pre-approval with home loan first because it will give you an advantage when you negotiate with a home seller. It will also give you an idea on the exact loan you can afford when you’re choosing prospective homes and it will save you from taking much time looking at homes that is out of your budget.

Be financially independent

Joint bank accounts or credit card extensions must be changed. You should open up a new account that is yours alone. This will prevent possible problems in the future. Opening up your own account is also crucial especially if you’ll be applying for new loans.

Don’t forget to open a savings account where you can set aside your personal savings for you and your kids. You should have a separate savings for minor and major emergencies. Build your savings account so that you can have enough funds to last you and your children for at least six months in case you need to find another job or in case you get sick and unable to work.

Create a new budget system.

After your divorce, there will be some adjustments not only with your expenses but with your earnings as well. A written budget will help you keep track of your monthly income efficiently so you wont miss any of your bills and financial obligations. It will also help you cut your costs and take away unnecessary expenses from your budget.

Get an insurance policy.

Apply for an insurance policy not just for you but for your children as well. Don’t just rely on your ex-spouse when it comes to the security of your children. You may need to get a part time job to help you with the expenses that you now have to face on your own. Always check the background on the legitimacy and reputation of the company before getting into business with them. Keep in mind that there are a lot of home based business scams out there that can catch you off guard because of your current situation.

Get help.

When it comes to the legalities of divorce, do consult with a professional divorce lawyer. Find a credit counseling company that is reputable and legitimate as they can help you manage your finances more effectively.

Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com/ and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair tips and credit repair services.

Article Source: ArticleSpan

Divorced parents who opt for a joint child custody schedule often discover some challenges to making it work. Most of these difficulties stem from the complications of the custody and visitation schedule. These complications arise because in a joint custody agreement parents try to divide the time with the child evenly. This can create a confusing calendar with a lot of pick up and drop off times when the child switches time with the parents. However, the confusion can be cleared up and a joint custody schedule can proceed smoothly. Here are three suggestions for making that happen.

1. Start with a steady schedule. The beginning of the joint custody time is often the hardest. This is when the parents are trying to figure out how to make everything work and trying to remember what custody times they agreed to. It’s best to come up with a stable schedule as quickly as possible. Sit down and actually divide the time up exactly for each parent right from the beginning. Decide what days the child will spend with what parent and project the schedule onto a year long calendar. If there is a lot of variation in your schedule, still make at least a year long calendar for how you want the custody to go. And, use consistent pick up and drop off times to make it easy to remember.

2. Have a separate custody calendar. Once you’ve put the schedule you want for the whole year, fill out the rest of the calendar and keep it as a custody calendar. Do whatever it takes to be organized. Many times it is useful to have the different colors for the parents so you can easily see when the child is with what parent. Mark the times clearly when there is a pick up or drop off. If there is a change to the normal schedule (like with holidays or other special events), note it on the calendar and maybe put a note off to the side as well. This will help you always know what is going on.

3. Keep track of changes. After you have your initial system set up, it will be easier to incorporate any changes to the schedule. If a special event pops up and you need to change custody, you can simply write it in your calendar. Since you have a centralized location of your custody schedule, you’ll always know where to look for your information. You can relax knowing that there aren’t any little notes in your planner or on other scraps of paper that you need to remember. It’s all right there on your calendar. You may want to make the calendar on your computer so that you can easily print out another copy if there are a lot of changes. Then you can also print it out month by month.

Joint custody is generally agreed to be beneficial for the children of divorced parents. This type of arrangement lets the children have good relationships with both parents. This is something that is important for the children as they grow up. Since it is so helpful for the kids, it’s nice that the parents can create a schedule that is easy for them to manage and control. This makes everyone happy.

Learn more about creating your perfect custodyxchange.com/custody/child-custody-schedule.php” target=”_blank”>child custody schedule and get more information about custodyxchange.com/custody/joint-child-custody.php” target=”_blank”>joint child custody.

Article Source: ArticleSpan

The fact that you’re found this article says it all. You’re ready to get your hands dirty. But be adviced, using the tricks below will cause fustration and it might just strike fear into your spouse’s heart. Even so, using the tricks will help you get what you want from the divorce.

Here’s a few dirty tricks:

- Put money that’s supposed to be in a jointly held bank account into your own, and don’t tell your spouse about it.

- Use credit cards where your spouse is the main card holder. Use them to buy personal items, and your spouse will then be stuck with the bills when the divorce is over.

- If you’ve moved out of the family home, refuce to pay anu houshold bills until the court forces you to do so. The point of this is to put your spouse in a financial situation where he or she (now desperate) might agree to an unfair settlement.

- Demand primary custody of your children even though you would have agreed to a joint custody or visitation arrangement. You spouse will probably be terrified by the thought, and he or she might agree to an unfair agreement.

So why is it so important to fight for this? Aren’t the lawyers there to get you exactly what you want? The short answer is yes, the long answer is no. As they will fight for your cause, they’re more interested in what they’re earning. A long divorce with a lot of arguing will make them more money: it’s that easy. People may end up paying way more than they should have.

Other tips:

Another thing to remember: do not lose your temper. One of the most abused processes is the ORDER FOR PROTECTION alleging domestic abuse. Do not get caught in this trap. It makes any custody battle very difficult since there is a presumption under many state laws that an abuser should not have custody. Do not yell, grab, hit, or throw anything in the presence of your spouse or, even more significantly, in the child(ren)s presence. If your spouse tries to incite you, walk away. Something as simple as blocking someones egress from a room may be considered abusive.

To prepare for divorce, in addition to acquiring necessary documentation, you may wish to photograph or videotape your furnishings, personal property and real estate. By photographing the contents of your home, you will create a comprehensive log of your possessions and the condition of your home. It may be difficult at a later date to recall all items or necessary repairs.

To learn even more, visit my lens featuring other divorcetips” target=”_blank”>divorce tips.

Article Source: ArticleSpan

Copyright (c) 2009 Ron Lasorsa

With the death of Ted Kennedy there has been an endless amount of gushing over the "Lion of the Senate" passing away. A die-hard liberal, he was known as being concerned for the working class and the downtrodden.

But for all his accomplishments, Ted Kennedy was a lucky man that he did not end up in jail for a crime he committed. In July of 1969 at Chappaquiddick, Mary Jo Kopechne was in an auto with a drunken Ted Kennedy. To recap the story, Teddy crashed the car into the water; left the scene of the crime, called his lawyers, and reported the accident the following day. He left Mary Jo Kopechne to die alone in a car.

Melissa Lafsky, a blogger for the Huffington post wrote an op ed piece on Ted Kennedy weighing his achievement and his foibles and came to the following conclusion: "Who knows — maybe she’d feel it was worth it."

To paraphrase, given Ted’s great achievements; Marry Jo Kopechne loss of life, although tragic inspired Ted to be a great Senator. Are you kidding me? This gal has lost her mind!!! Think about the horrible way this girl died: alone, trapped in a car, and drowned.. and Ted Kennedy abandoned her to save his own ass.

Ted Kennedy was not a hero. He was a legislator. Through the force of the law, he took from one group of people to give to another, and in our sick culture that is deemed honorable. And if you somehow did not subject yourself to the laws of the land, the lawyers would come in and pick your wallet clean. Let’s call things as they are, robbery and coercion are how Ted accomplished his goals.

The divorce industry learned the game well because if you don’t follow the guidelines from the divorce industry as it relates to: child support, visitation, restraining orders, alimony, etc.. the legal industry and the government complex will come down on you hard. What the divorce industry has forgotten is that divorce is one of the most painful processes that individuals have to go through. The divorce industry and the Melissa Lafsky’s of the world have no regards for the individual or the greater good.

The fact is that society functions best when individual rights are honored and protected and the divorce industry has lost sight of that fact. The divorce industry is in the business of breaking up the family so as to make as much money for themselves.

This article is about the impact of divorce on our culture and how politicians and the divorce industry take advantage of individuals going through divorce. For more help on the divorce process go to: divorcecures.com” target=”_blank”>http://www.divorcecures.com

Article Source: ArticleSpan

Child custody battles are the worst part of any divorce. Parents end up using their children as pawns to inflect damage on each other. The worst side of any person can be brought out in this part of divorce. Furthermore a bad court fight can result in some psychological damage to the children which will affect them for the rest of their lives.

When going through the long process of obtaining custody of your children the first step in many cases is to award some type of temporary child custody to both of the parents. This is to be taken very seriously in order for you to be successful later on. The best advice I can give is to treat this as though it were permanent. The term temporary is perhaps one of the most misleading parts of this process. I know of many parents who were lax at this stage and really regret it now as they have limited rights to see their children.

You see at the beginning of every custody battle a judge will have a hearing to figure out the best way for the children to live. This is done with both the lawyers and the parents and a written agreement is created in order to make things legal. This document then becomes part of the proceedings and is a determining factor in how the children will be placed later on. As it is known children thrive on routine and when a routine is established a judge is very hesitant to break it as it can cause an adverse reaction.

So in order for you to get the best possible result in obtaining custody of your children a routine with yourself is the predominant person would be the best way. The best lawyers will argue that since your children are already settled into their routine it would be unwise to disrupt this.

A lawyer will only tell you so much about the process of child custody hearings. After all it is their business to know how to deal with this and they do not really want to share their expertise as it can hurt their bottom line. The best resources you can find are from those that have gone through the process of winning custody of their children. Support groups for fathers are in almost every city and that can be one of the best places to turn to in order to speak with a live person on the subject that will not charge you by the hour.

While there may be many websites dedicated to helping you win custody of your children it is always best to turn to an expert. Now I do not necessarily mean a lawyer in this case. Rather someone who can coach and guide you through the process of getting as much time with your kids as possible. After all you have a limited amount of time on this Earth and your kids are really the only thing you leave behind that is truly a part of you. It is very wise to try to spend as much time as possible with them while you can.

custody/” target=”_blank”>Child custody battles are the toughest and most grueling part of any divorce. If you really want help in winning your case then you need the best resources available. custody/” target=”_blank”>Find them here

Article Source: ArticleSpan