Posts Tagged ‘Denver divorce support’
Should I Have A Prenuptial Agreement Before We Get Married
Well, that’s a good question! Only you can decide whether or not this will work for your particular circumstances.
Robert is engaged to Janet. They’re planning on getting married in a few months. Janet has several pieces of property, numerous investment accounts and is worth millions of dollars. She’s been dating Robert for almost five years prior to his proposal of marriage. She’s decided that she wants a prenuptial agreement prior to marrying Robert, but, is unsure how to tell him. Janet doesn’t want to hurt Robert’s feelings, but she knows that she should protect herself prior to marriage.
Ginger and William are getting married early next year. They’ve been dating for six months. William owns several businesses, properties and other investments. His net worth is two billion dollars.
He loves Ginger with all his heart and trusts her. William has told his attorney to start working on preparing a prenuptial agreement for him and Ginger. He has been trying to figure out how he’s going to tell Ginger about the prenup without upsetting her.
You say that you have assets such as property, retirement ,savings, and other investments that you would like to protect. You don’t want your assets to be part of the marital pie. You trust your future spouse but still want to protect the assets your have acquired before the marriage.
You’re just not sure how to discuss this subject with your future spouse without possibly offending them. Here are five tips on what you may want to tell your future spouse:
1. Your accountant is recommending that you keep your assets before the marriage separate. Blame it on your accountant!
2. If you have children from a prior relationship, you may want your children to have the assets you acquired before the marriage.
3. You just want to protect your assets prior to the marriage in case of future problems with the marriage.
4. Your assets before the marriage may be for a relative or beneficiary that you want to benefit from your assets.
5. You simply want the both of you to start fresh and develop your assets together as a newly married couple.
Don’t let the issue of a prenuptial agreement be a deflator to your relationship and create a level of distrust. Explain in detail to your future spouse the reason you would like a prenuptial agreement and everything between the two of you will probably work out in the end just fine.
If you decide that you want a prenuptial agreement with your future spouse, make sure you ease into discussing this subject. You know your future spouse’s feelings and emotions better than anyone else! You may even suggest that you both have a prenuptial agreement.
About the Author
Nocita Carter creates websites with tips on various subjects including personal finance tips for youhttp://www.personal-finance-tips-for-you.com
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Should I Have A Prenuptial Agreement Before We Get Married
Prenuptial Agreements to Protect the Family
Most everyone has heard of using a prenuptial agreement to protect personal assets. In fact, prenuptial agreements are often created to decide how current and future monetary assets, the home, and other property will be split between the two parties in the event of a divorce. Prenuptial agreements are not, however, always about the two people getting married. Often, they are also about other important people in the lives of the engaged couple, as well.
With approximately 1/3 of first time marriages ending in divorce, and 50% of subsequent marriages ending in the same fashion, it is becoming increasingly common for one or both parties to already children from a previous marriage. Therefore, a prenuptial agreement is an important way to protect the children who will inevitably become involved in the marriage.
One issue that should be addressed in a prenuptial agreement is: who will inherit the couple’s money if both should die? Another important concern to consider and address in a prenuptial agreement is: how will the biological children of one party be affected if that person should die? In other words, if Bill has two kids and he marries Lorie, what will happen to Bill’s kids if he should die? Will Lorie continue to provide for them? Or, will they be left to fend for themselves? Of course, no parent wants the latter for his children.
A step-parent has no legal obligation to care for children after the death of the spouse. Therefore, a prenuptial agreement can ensure that the children of the biological parent are still cared for after the parent’s death. Issues such as inheritance and life insurance, and who the beneficiaries are of both, should be included within the prenuptial agreement. Therefore, a person with children who is getting married should consider a prenuptial agreement in order to secure a strong future for the children.
Children are not the only people who can be affected by a divorce. Other family members and business partners can be, as well. If Beth owns a family business, which has been passed down for generations in her family, she can protect the family business with a prenuptial agreement. Since a prenuptial agreement has to be fair to all parties, Beth will most likely need to “give” something in return in the prenuptial agreement. The peace of mind knowing that the family business will remain in tact, and stay within the family, is well worth the trade off.
In a similar fashion, business partners can be protected with a prenuptial agreement. If Tom and Scott have worked over the past five years to create a successful business, and Tom is about to get married, the business and its assets can be protected by the prenuptial agreement. This not only protects Tom, but it protects Scott, as well. Without a prenuptial agreement, Tom and Scott’s business could potentially be torn apart by a divorce.
A prenuptial agreement can also help protect the parents of one of the partners who are about to get married. For example, if Cindy has parents who are ill and need to be cared for, Cindy could have it included in her prenuptial agreement that her parents can live with the married couple to be cared for. Similarly, she could have it included in the prenuptial agreement that the couple agrees to pay for care for Cindy’s parents in a residential nursing facility.
Prenuptial agreements may not seem “romantic,” but they are a realistic part of marriage. Creating a prenuptial agreement forces couples to look at potential problematic areas beforehand and come up with solutions that work for both parties. Prenuptial agreements also help ensure the financial security of both people who are about to get married and, more importantly, they help protect the ones they love.
About the Author
Hannibal Whitestone makes it easy to find out if a prenuptial agreement makes sense for you. Visit Prenuptial Agreement Info today and get the facts… because you’re worth a lot more than you think.
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Prenuptial Agreements to Protect the Family
So You’re Going through a Divorce! Should You Get Counseling?
I am a psychologist and marriage counselor in the Woodstock-Cary-Algonquin-Lake in the Hills and Crystal Lake area of Illinois. I find that there are 11 signs that indicate you or your family members would benefit from counseling when going through a divorce or separation.
What are these signs?
1.A relationship that is characterized by numerous arguments and conflicts that are disruptive to the emotional status of family members
2.A relationship which is saturated with strain, bitterness and tension just below the surface
3.When the talk of separation causes fear and anxiety in family members which significantly degrades the quality of daily life
4.The childrens uncertainty and worry about which ones will remain in the family home and which ones will re-locate
5. Children experiencing excessive stress, agitation, acting-out or conflict about being separated from a parent or sibling
6. Parents who should be separated but are still living under the same roof because of logistical or financial problems, thus causing increased coldness and estrangement in the home
7. Conflicts, arguments and frustration caused by a seriously compromised lifestyle engendered by financial stress caused by the expense of operating two households
8. Symptoms of acting-out, depression, anxiety, fear, rage, substance abuse or poor school performance in family members
9. Anger, bitterness, arguments and frustration caused by having to accommodate new step-parents, step-children or step-siblings
10. Child management and discipline problems that result from single parenting or lack of cooperation from the ex-spouse
11. Children that appear to be experiencing some guilt or anxiety for the marital failure
If you experience any of these issues, you can benefit from counseling. But if you begin, what can your counseling accomplish? How will it benefit you?
1.You will learn how to nurture your kids and reassure them that they are still loved and not responsible for the marital discord.
2.You will learn to develop flexible living arrangements that meet your kids needs.
3.If you and your partner are still living together, practical and clear guidelines will be set-up to keep the situation from getting more toxic.
4.You will discover how to integrate new additions to the family resulting from remarriage or cohabitation.
5.You will develop a plan for cooperative parenting that keeps you and your former spouse on the same page so conflicts can be minimized.
6.Your children will learn to accept the break-up as independent from anything they have ever said or done.
7.Your therapist may prescribe daily affirmations or motivating thoughts so that your subconscious mind really believes that you do not have to worry about the separation. When your subconscious believes it, your everyday mind will follow and the anxiety will disappear
10.The therapist may prescribe some articles or books for you to read about surviving divorce and ask that you select relevant concepts to discuss in your counseling session.
11.Your therapist will likely help you to develop an awareness of your fear of independence triggers and constructive ways to manage them.
12.You may be asked to write about how your unsatisfactory marriage contributed to your anxieties and those of your family members and how your divorced state may enhance your emotional recovery and that of your children.
13.Your therapist will assist you in developing insight into any personal or career changes that may be needed in order to maximize the success of your newly separated living situation.
15.You may be encouraged to increase your awareness of how your upbringing may have affected the way you behave in relationships. Often a traumatic past may linger or even lurk into your present, thereby encouraging a pattern of dysfunctional relationships.
16.In helping you to manage a traumatic past, your therapist may help you identify the role you played in your family of origin, the feelings associated with it and the way it may impact your current or future relationships.
17.The therapist may help you to identify self-defeating patterns relevant to the way you operate in relationships and suggest ways of modifying them so they are not repeated.
18.You will identify sources of ongoing support and reassurance to help you in effectively curtailing and managing your anxiety about starting anew.
About the Author
Dr Shery is in Cary, IL, near Algonquin, Crystal Lake, Marengo and Lake-in-the-Hills. He’s an expert marriage counselor and psychologist. Call 1 847 516 0899 and make an appt or learn more about counseling at: http://www.nextdayappointment.com
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So You’re Going through a Divorce! Should You Get Counseling?
Five Types of Marriages…Which Group Are You In
There are a variety of different marriage “groups” out there. As you discover your group, you will be better able to determine if it’s the group you want to be in for the rest of your life, or if some adjustments are in order.
Convenience Marriage
When you got married, you were genuinely in love with your spouse. However, as the years rolled by and your time was taken up with jobs, children and other activities, you grew apart. Now you are in a marriage of convenience.
You rarely see each other, and that’s okay, but you do wish you shared more than just the expenses of a household.
Just as it took time to grow apart, it will take time to grow back together. Fear not, all is not lost if you are willing to put forth the effort.
Start slowly by finding time to spend with each other and rediscover how wonderful your spouse really is. Take an interest in some of the things that interest your spouse, find some common interests to develop with each other; just start spending time together.
Look for opportunities to plan a special activity or date that will help you get reacquainted.
Abusive Marriage
An abusive marriage is one where you are physically or emotionally abuse by your spouse. In many cases, this is a learned behavior from their childhood. Therefore, it can be unlearned with a lot of counseling and love.
No one should be led to believe that they belong in this group, everyone deserves a non-abusive marriage relationship.
Work on getting help for you and the abuser. If they are unwilling, then you need to get help dealing with the situation. It’s important to realize that if the abuse continues, then your only choice may be to leave the relationship.
Status Marriage
“Didn’t she marry well?” was heard by many of the guests at your wedding when you have a marriage for status. Yes, it’s important to marry a man that will provide for your needs. However, if you marry someone strictly for money or status and have nothing else in common…you’ll soon find that money isn’t everything.
What do you do if you fall in this group? It’s never too late to discover things about your spouse that will endear your heart. Try to look for the good things your spouse does for your and your children. Thank them for those good things and encourage them to give of their time and not just things.
Take time to get to know your spouse and develop a relationship that is based on deeper things.
Invisible Spouse Marriage
The invisible spouse marriage is one where you or your spouse are so busy with either work or outside activities, that you never see each other except passing at the front door…if that.
There are some jobs that require a lot of time away from family. There are also people who give more time and effort to their job than their family.
This may be due to a false sense of loyalty to their employer or their desire to be the number one guy/gal at work.
Additionally, there are many great causes out there to affiliate your time and talents with. However, if it is as the expense of your spouse and family, then it’s too great a cost.
Whatever the reason for your invisible marriage, it’s time to stop and figure out how to reduce your outside time and increase your together time.
At first it will seem like a great sacrifice. Yet as you work together to figure out what things to streamline and what things will help grow your marriage, you’ll be surprised at the joy that will return to your relationship.
Enduring Marriage
These are the marriages that we all dream of, the ones where you see a sweet older couple hobbling down the sidewalk hand in hand and smiling.
These marriages don’t happen by accident, they happen by positive, daily, consistent effort. It takes work to have an enduring marriage.
A marriage that will endure financial hardship, illness, troubled children, heart breaks and more is enduring because the couple gets through all these difficult times by helping each other through them.
Rather than saying, “Why me?”, they say, “Why not me?” and work together to get through the current challenge. They have the ability to get through these difficult times because the have built up a storehouse of happy memories, experiences and they trust each other to the end.
They have laughed together, cried together, played together and worked together. They know they can always count on each other and that is what makes and enduring marriage endure.
This marriage is possible for each one of us, if we’re willing to put forth the daily, weekly, monthly and yearly effort.
So which group are you in…and do you want to stay there? It’s never too late to change groups…it just takes love, courage and a willingness to try.
About the Author
Beth Young is the Senior Editor of the leading marriage advise web site, MarriageAdvise.com. To download your free ebook titled, “101 Marriage Secrets” visit http://www.MarrigeAdvice.com.
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Five Types of Marriages…Which Group Are You In
Understanding the Landlord Tenant Act
Most people who rent are familiar with the Landlord Tenant Act, but are not exactly sure of how they are protected under it. More than likely, your landlord knows all about it, although you can never assume. In order to ensure that you are following the rules, and that you are being treated fairly, you need to make sure that you know all of the details that it entails.
The Landlord Tenant Act is in place to govern the rental of both commercial and residential properties. The act is based on state statutory and common law, which is important to remember, since it will differ from state to state. So, in order to make sure you are well versed, you will need to research the individual laws of your state. Each states laws will outline the relationship between the landlord and the tenant, which is governed by both contract and property law.
The landlord-tenant relationship is enforced based on several factors, including statutory law, common law, and the lease itself. This may seem a bit unfair if the lease itself is a determining factor, since after all, anybody can write up a lease. The tenant is protected in this case because the contents of the lease are governed by statutory law.
The Landlord Tenant Act also touches on housing codes that are in place to ensure a property meets the standards that have been set forth by each states laws. Depending on the state, the tenant may be able to break a lease if any housing codes have been broken.
Finally, unless the lease states differently, the tenant is required to pay rent to the landlord. The cost of the lease per month will be outlined in the rental agreement, and agreed upon by both parties.
This act also covers such things as:
1. how much notice your landlord needs to give you before stopping by for an inspection.
2. stipulations regarding the termination of the lease prematurely.
3. Sub-leasing
There are rules and regulations that your landlord MUST follow. If you feel as though your landlord is in violation, its important to report the incidents to your local authorities.
If you are interested in researching your states specific laws, the best place to start is online. In addition, you can contact your local government to request a copy of them.
If it was not for the Landlord Tenant Act, there would be, no doubt, a lot of problems involving the rental of residential and commercial properties. The act does a superb job of keeping both parties safe throughout the process.
About the Author
Tabitha Naylor is an experienced mortgage broker/consultant with Apex Financial Mortgage. For more information, or additional resources on home loans, visitApex Financial Mortgage
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Understanding the Landlord Tenant Act
Civil Court Filings – Recordings of Non-Criminal Activities
Civil court filings pertain to documentation for all civil court cases, which are roughly defined as all cases that are non-criminal in nature. These records are also those that govern private citizens and are to be distinguished from international law and military law as well.
Civil court filings are those with less than ten thousand dollars involved, while cases that deal with more than this amount are usually tried at the Supreme Court. For those cases with less than five thousand dollars at stake, the magistrate will be the one responsible for deciding if this can be tried at a small claims court. Civil documents are divided into several groups depending on the different laws that they fall under.
Civil Court Document Categories
Cases dealing with contracts, damage to property and personal injury all fall under general civil court filings. Family civil records cover those about divorce, child support, child custody and alimony. Juvenile filings are those about juvenile delinquency or individuals committing crimes under the age of 18 as well as juvenile dependency or those cases involving child abuse.
If you are renting or leasing a place, then this will fall under landlord or tenant civil filings. Probate civil court records refer to those cases that deal with personal affairs including adoption, name changes, guardianship, transferring an estate and determining inheritance through a will.
One reason for obtaining civil filings is for determining whether an individual or a company is involved in any kind of litigation. The civil court filing papers include all the forms that you fill out before you are allowed to file a formal case. This also includes all other documentation that is required for the pre-trial and post-trial as well as the actual trial proceedings. Acquiring civil court filing documents is especially relevant if you want to contest a court decision and need information regarding similar cases that have been decided on in the past.
If you visit the websites of various civil courts, you will be able to request for records online. This is especially convenient if you want to compare how compliant a certain case has been to actual civil court rules and procedures. You can easily search online databases either by name or by the numbers of the civil filings that you are looking for.
Filings available online are also excellent resources for law students, paralegals and other legal assistants who may not have the time or the means to retrieve the actual public documents. Some websites even offer concise summaries of the cases, which also aid in saving time and effort in getting the needed information.
Getting these records online also gives you the chance to read through the opinions and analyses of lawyers and judges which can be generalized for most cases. Although civil court laws will differ from state to state, there are still some basic tenets and procedures that can be applied for all filings.
About the Author
Want to Know the Top Sites to Find Civil Court Filings? Read Dr. Amit Mehta’s Unbiased Reviews ==> RecordsSiteReviews.com
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Civil Court Filings – Recordings of Non-Criminal Activities
Solving Banking Disputes
Although banks usually provide efficient services, they may sometimes commit transactional errors that can have a negative affect on your bank balance. If you suspect that there has been a mistake, you need to take it up with your bank as soon as possible. However, following certain standard procedures will help you to resolve the problem, without affecting your existing relationship with the bank.
Banking disputes can arise due to various reasons, which are mostly technical in nature, and can usually be settled amicably. For example, an installment payment could be wrongly deducted from your account before the due date, or the bank incorrectly charging you a penalty fee, or incorrect balance calculations, and the like. Sometimes disputes may also occur due to human error by the bank employees. Disputes like these can be settled agreeably by following the procedures given below:
Communicate In Writing
To settle a banking dispute, you first need to write a formal letter to your bank, explaining the basic problem, and the reasons why you think it has occurred. Providing the necessary documents to support your point of view will add to the veracity of your claim. This letter will allow bank officials to understand your case, and help them to conduct the necessary checks on related bank records or documents. It will also form the basis for future deliberations with your bank.
Read The Fine Print
Before making a claim of dispute with your bank, you need to go through all their business policies, and all the information given in fine print. When disputes are made, it is often discovered that banks are within their rights, and are following the correct procedures. By going through the fine print, you can ensure that you have proper rights to dispute your case.
Avoid Aggressive Behavior
Even if you have the legal rights to dispute your case, an aggressive stance will not solve your problem. Most errors are technical and unintentional, and bank officials will most likely ignore you if you get belligerent with them. Remaining calm usually results in resolving problems far more smoothly.
Meet Bank Officials In Person
Although letters can clear up most banking discrepancies, certain disputes may require you to personally meet the bank manager, or some other bank representatives. Communicating with bank officials in person will allow you to present your case in a better way, while also enabling them to understand the full extent of your problem.
You need to come to terms with the possibility that your case may not be worked out forthwith, because banks will most likely give priority to their daily working requirements. However, it is also true that banks value their customers, and will do everything possible to clear up their problems. Persevering with your claims of dispute until you get your problem resolved is advisable. Moreover, if you are not satisfied with the bank’s response even after a lot of negotiations, you can seek advice from financial advisors, or companies that settle banking disputes. You can rest assured that as long as you have the documents to support your claim, you will get your dispute settled in your favor, though it may take some time.
About the Author
Joe Kenny writes for the Credit Card Guide, offering views on credit cards in the UK, visit them today for some great 0% balance transfer offers and start clearing credit card debt today.
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Solving Banking Disputes
