Communication is Essential for Divorced Couples with Children

Communication is Essential for Divorced Couples with Children

Getting a divorce means you will no longer be with the person you once thought you were going to spend the rest of your life with. However, if there are children from that marriage then you will always be linked to each other. Many divorces are very bitter with hurt and angry feelings lasting for years.

Yet you need to do your very best to move past all of that for the sake of the children. Effective communication between the parents is necessary in order for them to both have an active role in what is taking place in the lives of their children. School is a big issue for parents to be concerned with. Both need to be attending school functions and talking with teachers about the progress of the students.

It is important for the children to see the parents getting along with each other at least when it comes to their needs. A child should never have to hear one parent talking bad about the other one. It can lead to feelings of insecurity as well as resentment. Children should never have to choose between their love for one parent over the other either.

Too many divorces couples use their children as a way to communicate with their ex spouse. They place the burden of sending messages back and forth on the children. This isn’t acceptable and it isn’t fair to the children. Instead you need to work out being able to talk with your ex spouse about issues that concern the children.

If it is too difficult or tense for you to talk face to face then do so over the phone. Make an agreement to stick only to the issues that are going on with the children. Try to be objective rather than always attempting to get your own way. Compromise is very important when you are divorced and dealing with issues that concern your children together.

Some couples find that notes are easier for them than talking in person or over the phone. Again though you need to take your children out of the equation. Don’t make them responsible for passing the notes back and forth. With written communication a person can think before they respond and that can help prevent emotions from dictating the conversations you are attempting to have about your children.

It won’t always be easy to maintain good communication with your ex spouse. In fact, that is one of the most common reasons why people end up filing for a divorce in the first place. Yet you do want to make a sincere effort to try. The future of your children is too important for you not to attempt to make this work for you.

Sometimes it can help if you attend a class with your ex spouse. It can help you to understand the importance of good communication after the divorce. You can also learn effective techniques to use so you don’t slip into your old behaviors. It can take some time to make this work but don’t give up on it.

Your children will certainly appreciate all of your efforts to be decent to their other parent. It is a very important lesson that you can teach them by example. Showing them that you still respect their other parent and include them in important decisions shows that you really care about their well being.

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Spend Less Money On The Perfect Wedding

Spend Less Money On The Perfect Wedding

A wedding is often called a Special Day, with that capitalization very much intentional. Few people experience any occasion more memorable and more important to them. Among important life experiences, weddings are unique because they are typically planned well in advance. This article will give you the ideas you need to plan the perfect wedding and make it a truly memorable occasion.

Decide if you are going to have enough time to plan your wedding or not. If not weigh the option of hiring a wedding planner. If you do not have enough money to have her plan the whole wedding, see if she can handle certain aspects of the planning so you do not have to.

When thinking of what to give your guests as a wedding favor gift, consider who you’re inviting. If half your family are recovering alcoholics, then a bottle of wine is probably not a good idea. If they’re diabetics, then candy won’t work, either. Choose something they’re likely to keep as a memento and not throw out when they get home.

If you are stuck on selecting a theme for your wedding, first consider the season in which you are getting married. If it is during the winter, have a winter wonderland themed wedding. If it is during the spring, have a garden themed wedding. Be creative and match it to the season.

Consider having your wedding ceremony abroad. The price of wedding ceremonies overseas can be dramatically lower than the price in your home country and some of the available venues are stunning. If you chose to go down this route, make sure that you sort out all of the legal paper work well in advance.

Bridal fashion changes drastically from year to year. Unless you are set on spending the money and storage space necessary to preserve and keep your wedding dress, consider renting a gown instead. Most formal wear rental companies are very reasonable in price and policies, and you can wear the expensive designer dress of your dreams for pennies compared to buying it for a one-time wearing.

If you want to save money on your destination wedding, have your honeymoon in the same location! You can usually get a great deal on the hotel for a longer stay, and you’ll only have to do research on the place that you’ve selected for your wedding. This will also give you more time to relax as you won’t be scurrying to the airport to get on your plane.

The dress is usually the single most important part of the wedding, as you will want to look your best and fit at the same time. Develop a price range as to how much you want to spend on your dress and find the best one that fits your budget.

Making use of tips like these can help turn any wedding into an experience to remember. Not every marriage will last forever, but the memories from a wedding are permanent. By taking heed of helpful advice, a good wedding planner can ensure that those memories are as pleasant and unique as possible.

Miami Tax Attorney: Acting on Cases of the Innocent Spouses

Miami Tax Attorney: Acting on Cases of the Innocent Spouses

Most Miami couples file their joint income tax returns. Meaning, both of them are legally held to be individually and jointly responsible for the payment of the rightful sum of taxes. The spouse who has a limited source of income is made to be held responsible in the event that the other spouse fails to pay the correct total of the due taxes. The innocent spouse is by and large the one who usually gets into default with the seizures, audits, and tax levies.

Such situation will only be averted if the married couple files a separation or a divorce. It is during these occurrences when both parties get devoid of the fact regarding the exact amount of the taxes owed by one another.

During the time of the separation or divorce, the couple is advised to file their income tax returns jointly while this results to the payment of lower amounts of taxes. The situation becomes a medium for tax indemnification. This means that neither of them is to be held up responsible for the liabilities of each other with their own tax dues. The bad part to this is that the IRS will get its hand to the innocent spouse when one party fails to pay his or her dues regardless of their being divorced, separated, or being still together.

Isn’t it such a stressful condition? This can be alleviated though. All you need to do is to hire a Miami tax attorney in order to be able to deal with the situation well.

A Miami tax attorney is one legal professional who is skilled and abreast in this field of expertise. Your Miami tax attorney will be conscientious in filing all of the needed paperwork to meet all of the things required to you. To make things short, your Miami tax attorney will act on your behalf. When you get subject to divorce or separation, you should at once consult a trusted Miami tax attorney before things get out of hand.

Legally, a provision on the innocent spouse had been added to the 1971 Internal Revenue Code which was then modified in the year 1984. It emphasizes a limited scope of relief amount. It does not point out that there is a possible escape for one spouse who signed any tax return which contained any underpayment of taxes or any understatement of the said income, or any case of over calculation of the deductions for the intention of not paying the appropriate tax amount.

In the year 1998, an additional relief has been added to the Code. With this Act, the innocent could now claim any of the relief forms such as for separation of liability, innocent spouse, or equitable relief. This Act relieves one of the spouses of the liability in terms of interest and penalty in a jointly filed tax return. More so, another relief has been granted to the divorced or separated taxpayers. There is now the separation of liability option. But then such party should prove that he or she has not taken part in the tax fraud.

Before one of the parties will be contained an innocent spouse, the IRS will still have to weigh things over and over again. An ordinary individual will surely find this situation threatening and demoralizing. But a Miami tax attorney can best handle this.

Use These Tips To Find Discounts On Your Auto Insurance

Use These Tips To Find Discounts On Your Auto Insurance

Selecting the right auto insurance company or plan can be an exhausting and overwhelming experience. With so many different options to choose from, it’s no wonder that so many people don’t know where to start. This article contains a number of tips on how to find the right auto insurance plan and company for you.

If you are married, make sure that you have your spouse on the same car insurance plan. Many car insurance providers offer reductions to those who are married. This can save you a lot of money. Marriage indicates some level of stability, thus making you a more dependable driver in the insurance company’s eyes.

You should choose a popular and recent vehicle over anything else. If your vehicle needs to be repaired, parts will be easy to find and remain relatively cheap. With an older model, you might have to order the parts or with a rare foreign brand, have the parts shipped from overseas. This will raise your insurance, or not be covered by it.

Your auto insurance might provide coverage for renting a car in the case of an accident. You should give this coverage some thought and decide whether or not you really need to pay for it. Not only is rental coverage rarely used, but there are usually other car rental options available, like credit card company discounts.

Some vehicles generate a surcharge on auto insurance policies. If you are considering purchasing a high-performance vehicle, a classic auto or any other type of unique vehicle, make sure you check on the potential increase in insurance costs. Surcharges can mount quickly and are often avoidable, although you may need to select a less appealing vehicle!

Take a close look at your auto policy and take off any “extras” that you won’t use. For example, you might have emergency roadside assistance included in your plan. If you don’t think you are going to use this, drop it in order to decrease the amount you are spending on your insurance. Your agent can help you figure out what else might apply.

Know the laws in your state concerning auto insurance. In almost every state, car insurance is compulsory. You can face stiff fines and penalties for not carrying adequate car insurance. Some states are even known to jail repeat no-insurance violators. Educating yourself is important so that you can comply with the laws.

If you have developed a history of trouble-free driving over the course of several years, inquire with your car insurance company about a no-claim discount. Many companies offer these discounts for reliable customers they have not had to pay-out for. Some companies apply no-claim discounts automatically; with others the driver must inquire. It never hurts to ask!

As the beginning of this article stated, choosing the right auto insurance company or plan is an extremely difficult decision. However, if you have a good sense of where to look and what information you need, the process becomes much easier. Use this article to help you select your auto insurance.

Top Factors Influencing Bankruptcy

Top Factors Influencing Bankruptcy

The term Bankruptcy is derived from the Italian word banca rotta, meaning broken bench. It is a federal court process designed to help consumers and businesses eliminate their debts or repay them under the protection of the bankruptcy court. However, there are specialized units for bankruptcy in each federal district court. Under the Federal Bankruptcy Act, these district courts take care of the bankruptcy filings and other functional procedures.

Factors Influencing Bankruptcy:
The following factors seem to influence bankruptcy, in general. But a combination of all these factors is however found to have greater impact on Bankruptcy.

1. Rising Unemployment: Unemployment or sudden loss of job is a key factor influencing bankruptcy. In order to maintain an optimum standard of living, unemployed people are more prone to taking debt without the ability to pay back. Thus accumulated debt level rapidly increases resulting into Bankruptcy.

2. Broken Marriage: Rising divorce rates are seen to have influenced the number of bankruptcy filings. This is because in most cases one or both the parties suffer financially due to legal separation. Divorce rates are almost 50% now, thus, if divorce is being considered, take note of this fact!

3. Credit Card Usage: The more the number of cards, the more will be the amount of debt. With the increase in the number of accounts used by each adult, the rate of filing bankruptcy also increases. Research shows that the most number of people who are in debt are young adults between the age range of 25 to 30. This is the age of ‘Credit Card Spending’, which is spending more than their income. Before 30 years old, they are already in debt.

4. Debt Income Ratio: Debt :. With the rise in debt-income ratio, rate of filing bankruptcy also increases.

Your Outstanding Debts
A bankruptcy may not necessarily dissolve all of your debts. Some types of debts may be exempt from bankruptcy like alimony, maintenance, child support, educational loans, taxes, including income, property, withholding, and employment taxes, fines, penalties, or forfeitures payable to the government, some punitive damages, and debts based on fraud.

How to Overcome Bankruptcy?
After knowing the main factors influencing bankruptcy, you must try your very best in avoiding these mine traps. You must, at all cost, avoid bankruptcy as it does more damage to you than you can imagine! One main problem most people encounter after declaring bankruptcy is difficulty in getting new employment. Regardless of what the law says about discrimination against personal bankruptcy, but in real life, these people do face many challenges and discriminations.

If you have financial difficulties now, take the next step in solve them but getting a debt consultant. Debt consultants are experts in debt reductions and can certainly help you regain a stable financial footing.

Weddings On A Budget, How To Plan And Manage With A Small Amount Of Money (4)

Weddings On A Budget, How To Plan And Manage With A Small Amount Of Money

Many people would say that marriage is one of the biggest life steps a person will go through. Unfortunately, planning a wedding can at times be a daunting and exhausting event to plan. The cost of weddings and intense planning can stress even the calmest of individuals. This article contains advice and tips to help you plan a beautiful wedding with ease.

When planning your wedding, consider the flowers that you want to use. Some weddings have color themes and flowers can become costly when you are trying to match colors. Flower color depends on the season and if you are looking for a certain color of flower during the off season, it will be more expensive.

Think of an exotic location for your wedding to make it even more fun and memorable! You could hold your ceremony at a ranch and ride a white horse down the aisle, or have it at a wildlife preserve and have an animal bring the rings down the aisle. I wouldn’t recommend choosing a turtle for that job, though!

Skip the DJ if you want to cut wedding costs. In this day and age most people have mp3 players. Just have a guest hook up suitable speakers to a couple of playlists that you’ve made in advance and you’ve got all your favorite music available. You will also save yourself hundreds of dollars.

Make sure that at your wedding, there are enough refreshments for all of your guests. During the night, there will be a lot of dancing and conversing, which can lead to dehydration. Prepare accordingly by having a lot of quality water and soda in many different locations at your wedding.

Make a list of all your priorities for the wedding. Write down everything you would like to have at your wedding and then put each item into one of three categories: essential, important and not necessary. This will help you focus on getting the most essential things accomplished for your special day.

If you are getting married outside, think about the timing. A sunny day is glorious, indeed, but it can also make you and your guests uncomfortable, if it is too warm. Consider getting married at sunset. Not only will everyone remain cool, but the lighting will be beautiful. If you must get married earlier in the day, position everyone so that the sun will be behind your guests and not in their eyes.

If you are having a destination wedding or a wedding outdoors, take into consideration the role that the wind will play. Make sure that all of your decorations are weighted down so that they do not fall out of place and ruin the arrangement. This will help you maintain aesthetic beauty at your wedding.

As was discussed at the beginning of this article, a wedding is a momentous occasion, but is ridden with a plethora of decisions and expenses. Avoiding the stress associated with planning weddings can be difficult for many. Apply the advice from this article and you will be on your way to planning a great wedding.

Understanding Single Parent Psychology and Mental Health

Understanding Single Parent Psychology and Mental Health

Extramarital pregnancy, divorce, and abandonment of one parent are some reasons why there are single parents. What most people don’t know is, these occurrences are life-changing as they can be traumatic for the single parent and the child, making them often misunderstood. That makes the study of a single parent’s psychology and mental health important.

Studies have reported that there are more child and adolescent problems for households with single parents rather than those with the “normal” set-up. While most single parents may disagree, it is understandable why the statistics say so.

For one, a single parent has limited time in his hands. Managing a household with another person is difficult in itself. What more if you have to do it alone. That’s why it is important for a single parent to make a daily or weekly schedule of his activities. That way, he can find time to do all the things that need to be done, including some time off for leisure and relaxation.

Also, a parent may have financial problems, as he is the only one earning for the family. He must learn to save his money by learning to set aside a portion of it as it comes. Also, he must learn to make a few sure investments.

Of course, if one becomes a single parent because of a divorce or death of the spouse, there are more problems that he needs to face. It is normal for him to feel sad or depressed, so allow him to have some time to grieve. Friends can help in the moving on process. This is also devastating for the child, so the parent must learn to show his support to the child instead of focusing on his grief alone. Parent and child can help each other to shorten grieving time.

Lastly, the single parent may feel alone and rejected. So he must learn to nurture himself. Eat and sleep well. Exercise on a regular basis, or engage in a sport that you like. Join a church group or association in your community.

To minimize incidence of child problems like school dropouts, early pregnancy and juvenile behavior, a single parent must learn to communicate well with his child. Spend more quality time with him. Engage in an activity that you both can enjoy. Regularly monitor his progress in school.

What resources are available for the single parent? He may join a group or organization of single parents like him. In this venue, members can share and discuss their common problems and experiences such as coping with divorce and raising kids. Educational activities like lectures by professionals and training seminars as well as other recreational activities are organized to help the single parent cope with his situation.

There are also websites which support single parents. Many parent resources can be found in the internet like chat rooms, forums, newsletters, articles and other forms of literature that they can share.

Knowing single parent psychology and mental health will make us understand single parents and their children better. Being a single parent is a challenging job. With limited time and finances, he has to cope with the challenge of raising a child as well. But with tolerance and understanding from people around him, the job will not be as difficult as it is already.

How To Read The Fine Print On A Health Insurance Policy 2

How To Read The Fine Print On A Health Insurance Policy

Health insurance providers are trying to make as much money from you as possible and often, the insurance policies that they offer can be difficult to understand. This article contains numerous tips that will help you to select a suitable insurance provider and purchase a health insurance plan that meets both your financial and medical needs.

Do not mix your politics with your health coverage. While you might believe that people are entitled to receive free health care in a civilized nation, you should not abstain from coverage simply to prove a point. Illness doesn’t care about your political views, so always make sure you’re covered.

Health insurance encompasses a wide variety of factors which requires you to be prepared and organized when choosing your policy. When starting your process, make sure to have your documents in order, be prepared to discuss your health care needs and wants, and take the time to research a handful of companies before selecting one to work with to ensure you are satisfied with your future insurance policy.

When looking for a job, look for an employer that offers health insurance as a benefit. Make sure this coverage is enough for your needs, and consider applying for additional coverage if you believe you are going to need it. A slightly lower salary might be interesting if it comes with a great coverage that you are going to need.

Familiarize yourself with your state laws and regulations in regards to purchasing health insurance individually. There are certain states that may have individual protections if they have pre-existing health issues, but some may not. It is of utmost importance that you know and fully understand the rules where you live.

Researching health insurance prices by getting quotes from multiple insurance companies helps you find a good health insurance policy at an affordable rate. You can use forms online to submit a quote request from multiple companies at once and it is also advisable to check with local health insurance companies for quotes as well.

If you take prescription medications, be sure that your insurance plan covers the cost of these drugs. It’s a good idea to check each year, to make sure that your insurer has not changed its coverage for any of your medications. You may also be able to save money by purchasing generic drugs or ordering them by mail.

When purchasing auto insurance, you can keep costs down by naming your spouse, if you have one, as a driver on the policy. Many insurance companies will first offer a discount for a combined policy rather than holding two separate policies for the same household. Plus, marriage is seen as a stabilizing effect that reduces your risk.

Many people avoid buying health insurance, as it can be very expensive, but this can cause problems in the future if they fall ill. By applying the advice contained in the tips presented in this article when you next need to purchase or renew a health insurance policy, you can find a policy that is affordable and thereby, avoid the most common health insurance pitfalls.

Guide On How You Can Get Your Dream Wedding 3

Guide On How You Can Get Your Dream Wedding

Weddings are a joyous occasion for many couples. Couples prepare to submit to vows that lock them in an everlasting bond of husband and wife. While weddings are joyous, planning them can be a tedious and difficult event. In order to prevent this, take note of the advice in this article.

A great way to make your wedding fun for both yourselves and your children is to have a destination wedding. This can be a fun-filled vacation for the kids and a glorious matrimonial adventure for the two of you. This can help ease tensions between children and step-siblings or step-parents, keeping spirits high.

If you want to personalize the look of your wedding, let the groomsmen wear suits in lieu of tuxedos. What they choose to wear will highlight each of their individual personalities, adding to the uniqueness of your ceremony. It may also help them save money on tuxedo rentals, which they will appreciate.

Try to think of something to do for your out of town guests if you will be having a break between your ceremony and reception. Out of town guests will feel a little lost as to what they should do and coming up with something for them will show that you really appreciate the time and money they put in to make it out to your wedding.

Many of the guests who come to your wedding will have to go out of their way to fit the event into their schedule, or have to make costly travel arrangements. To show your appreciation, you should plan to send all of your guests personalized thank you notes. This is a great way to show how much it meant to you that they came to the wedding.

Before you get married you MUST honestly disclose to your future spouse what your financial situation is. If you get married only to have your spouse find out that you’re in imminent financial ruin your marriage won’t last very long. Both of you should come to the table with a list of debts and a copy of your free credit report, and then figure out how to move on from there.

If you are living in a transition home or if you and your spouse will move soon, then it is better to ask everyone for money instead of items. It can be very difficult to move a great deal of things, so it is better to leave the money in savings.

Try to set a very specific time for the beginning and end of your wedding ceremony. Many churches book several weddings in the same day, and it would be horrible to have another wedding party waiting for your group to finish taking their pictures while giving you a dirty look.

As stated before in the introduction for this article, weddings are a joyous occasion for couples, as they make vows to be husband and wife for all eternity. The joy of weddings is forgotten by many though, as the planning process takes effect. Using the advice in this article, you should be able to plan a wedding with no pain.

Who Does Ron Artest Think He Is Without Basketball?

Who Does Ron Artest Think He Is Without Basketball?

You have to hand it to Ron Artest. This guy really just gets under the skins of many NBA fans. Mr. Artest, exactly who do you think you were prior to your basketball career and when you throw it all away, exactly who do you think you’ll be after basketball? It’s time to grow up and make your fans, what few of them you have left, proud again. Don’t you think?

He’s graced the covers of some of the biggest magazines on the newsstands today. Don’t you know that the executives of Penthouse, Sports Illustrated and GQ all sold large amounts of magazines just because Artest doesn’t know how to behave? When you think about it, it really is disturbing, especially when you visit his website. He boasts about providing the funds for 6 college scholarships and naturally, he is very active with children through his charities, summer camps and general love for children. And why wouldn’t he love children? He certainly can relate to them, right down to the temper tantrums.

In the day where celebrities act like drunkards strung out on drugs in night clubs while divorcing their parents, the general public should demand more from athletes and frankly so should the commissioners who slap them on the wrists with a fat fine and send them to the bench. As commissioner David Stern sternly impressed upon the media in 2004 after the infamous Artest incident, “The line is drawn,” Stern said as he referred to the suspension of players for the Indiana Pacers after Artest fought his way into a suspension which carried some of the heaviest of fines. Yes, David, the line was drawn and the chaos has continued but don’t feel too bad, it’s the norm among professional sports.

In fact, professionals are making such a name for themselves acting out with little self-control that even the college players are getting in on the act. This year in College Football, baby Vick really made his big brother proud when he stomped the leg of another player. He didn’t learn this behavior from big brother but he may be under the false assumption that bad behavior is a special prerequisite for making ‘a go of being a pro’. And we won’t talk about the asinine behavior of T.O. By the way, is he still around?

To add insult to injury, its people like Artest that REALLY needed the break that the NBA gave not only him but his entire family. Artest, now too big for himself has all but forgotten his most humble beginnings. He grew up with two brothers and six sisters, and from his own accounts in his auto-biography on his website, he tells of living in the projects of New York City. Less than seven years ago, he was drafted by the Bulls and a few short years later signed a multi-million dollar deal for a basketball lifestyle brand and gained the kind of money most only dream about. And yes, Artest, considering you started out in the projects, this NBA stuff has been fairly lucrative for you, wouldn’t you agree?

Still, in 2004, Artest commanded ,158,000.00 in salary, but because he apparently has lost the need for money, he lost over 4.9 million because of suspensions. And true, he probably doesn’t need the money now but some other well deserving athlete did. Someone who would have been glad to sign autographs, shake hands, smile and do what they are paid to do which is play ball and please crowds.

What’s more, when professional players, like Artest, get by with a bad attitude once, they continue to revel in it. For instance, way before Ron Artest became a notorious bad guy, he had another scuffle. Two years prior to his fight on the courts with NBA fans, he grabbed a camera from a television station’s crew and destroyed it after a defeat to the Knicks.

Recently, his tantrum hurt only his own plans when he decided he wanted to go to Sacramento and then he didn’t want to go, and then he did and then he didn’t. In fact, Artest did go because he was made to go, just like a child is made to do something. Here’s an innovative idea for the powers that be in professional sports, if you are going to hire oversized kids to play in an adult game, why not send them to a behavioral psychologist before turning them loose on the general public?

On his website Artest says of his time with one of his teams, “At times I felt like I had to lead more…like Michael Jordan.” Well darling, I can tell you, you are no Michael Jordan. No, Michael Jordan knew how to act like a gentleman and he knew how fortunate he was. Michael Jordan appreciated what the NBA delivered to him and his family and he never disrespected his game. I really wish Ron Artest, given your talent, were a little more like Mike. And I’m sure your fans do too.

Sadly, I was a huge Ron Artest fan and I cheered him on from my home computer and television. However, with his attitude and the mounting chips on his shoulder, I fear he is at the beginning of the end of his career. However, the housing projects of Sacramento will welcome him back to his similar humble beginnings should he decide to stay there when basketball is no longer an option.