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	<title>Free Divorce Consultations &#187; Must</title>
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		<title>Divorce Settlements â Five common mistakes you must avoid to obtain a positive result</title>
		<link>http://freedivorceconsultation.2send.me/divorce-settlements-a%c2%80%c2%93-five-common-mistakes-you-must-avoid-to-obtain-a-positive-result/</link>
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		<pubDate>Sun, 20 Dec 2009 01:59:39 +0000</pubDate>
		<dc:creator>Divorce Lawyer</dc:creator>
				<category><![CDATA[Divorce Tips]]></category>
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		<description><![CDATA[Negotiating your separation agreement can be one of the most trying, costly, and long-lasting events in your lifetime. Just like our transition to colder weather, a change in attitude and mindset can enhance your chances of a faster and financially positive divorce settlement. To be better informed and able to make the tough decisions that<a href="http://freedivorceconsultation.2send.me/divorce-settlements-a%c2%80%c2%93-five-common-mistakes-you-must-avoid-to-obtain-a-positive-result/"> <br /><br /> (Read More...)</a>]]></description>
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<p>Negotiating your separation agreement can be one of the most trying, costly, and long-lasting events in your lifetime. Just like our transition to colder weather, a change in attitude and mindset can enhance your chances of a faster and financially positive divorce settlement.</p>
<p>To be better informed and able to make the tough decisions that come along in the process, take a step back and avoid these common mistakes.</p>
<p><u>Assuming your divorce will be fast and not costly</u></p>
<p><em> </em></p>
<p>Depending upon your selection of a <a href="http://freedivorceconsultation.2send.me/divorcelawyer" style=""  rel="nofollow" >divorce attorney</a> or mediator, the amount of assets at stake, the amiability of the partners, etc., your divorce can cost more money and take longer to settle than you may think. For most couples, the whole process can take one to two years. The cost can range from several hundred dollars to several thousand, even if you do not go to court (which can cost at least $30,00 plus for <u>each</u> spouse).</p>
<p>At first blush, splitting the family financial pie would appear to be a fairly simple task. An equitable property division and each spouse&#xE2;&#x80;&#x99;s divorce rights would lead you to believe that each partner would walk away with half of what was shared by two.</p>
<p>This mathematical formula does not consistently work in divorce. Spouses have unequal salaries and income potential. Many times, families live beyond their means; there may not be enough money to go around. These factors, along with the typical &#xE2;&#x80;&#x9C;hanging on to each dollar&#xE2;&#x80;&#x9D; can elongate the process, which leads to additional time and mounting costs.</p>
<p><u>Selling out your future</u></p>
<p><em> </em></p>
<p>Your final decisions concerning which assets you are keeping will have an impact on your immediate future and long-term goals. What are the hidden expenses (maintenance, income taxes, etc) of the assets you may want? Will you have enough money to pay your bills? What financial assets will you have to face unexpected costs and meet long-term goals (e.g. college costs, retirement, etc.)?</p>
<p>Trading away long-term options (e.g. retirement accounts) for short-term needs (desires) may not be in your best interest, and may lead you to sacrifice tomorrow for what you may want today.</p>
<p><u>Ignoring Income Taxes</u></p>
<p>Income taxes will affect most of the major financial aspects of the divorce settlement. Generally speaking, the transfer of property pursuant to a divorce is a nontaxable event. But that changes if you subsequently sell the property; and <u>you</u> will be solely responsible for paying the tax on all of the gain (profit) earned from the time you and your spouse originally purchased it.</p>
<p>Consider carefully how you will file you tax returns while you are in the process of creating a separation agreement. Although there are non-financial considerations, the Married Filing Separate filing status normally yields the highest overall tax rate. Filing Head of Household usually produces the least amount of tax.</p>
<p>You will also want to review the tax implications of alimony and child support, dependency exemptions, and various tax credits that are associated with the custody of the child.</p>
<p>There are ways to minimize the income tax affect and take advantage of tax laws, so you need to be aware of the tax consequences of these transactions.</p>
<p><u>Not protecting your financial interests</u></p>
<p>Maybe you&#xE2;&#x80;&#x99;ve been married for 10, 15, 20, years or more. It&#xE2;&#x80;&#x99;s difficult to think about separate accounts or removing your spouse&#xE2;&#x80;&#x99;s name from charge cards. The reality is <em>you </em>are at risk any time you hold a joint interest in, or have responsibility with, or are financially dependent upon your ex-spouse.</p>
<p>What happens in the future if your former spouse defaults on payments, becomes disabled, goes bankrupt, or dies? You should consider these possibilities that could have a significant impact on your financial position, and take appropriate measures to protect your interest (and that of your children).</p>
<p><u>Not recognizing &#xE2;&#x80;&#x9C;A bird in hand&#xE2;&#x80;&#xA6;&#xE2;&#x80;&#x9D;</u></p>
<p>You may have to weigh decisions like this: What do you want, the Lexus worth $35,000 or the mutual fund worth $30,000? Do you want lifetime payments that begin at age 65<strong> (</strong>or <strong>if and when</strong> your spouse retires) or $300,000 today?</p>
<p>Keep the phase in mind, &#xE2;&#x80;&#x9C;a bird in the hand is worth two in the bush.&#xE2;&#x80;&#x9D; In divorce situations, this axiom usually holds true. Let&#xE2;&#x80;&#x99;s take a look at the Lexus. Sure it may be worth $35,000 now, but what will it be worth next year? If you really need cash, how much could it be sold for? The mutual fund is liquid now, will most likely increase in value, and provides a cushion for those unexpected expenses.</p>
<p>What about that retirement income? It sounds secure, but you may have to wait 20 or 30 years to receive the payments. It may be wiser to take the cash now, make prudent investment decisions, and build <u>your</u> <u>own</u> retirement nest egg.</p>
<p>In my experience, it is difficult for divorcing partners to see beyond the day in front of them. Avoiding these mistakes by obtaining the <a href="http://freedivorceconsultation.2send.me/divorceadvice" style=""  rel="nofollow" >divorce advice</a> of a Certified Divorce Financial Analyst can help you maintain your financial status and minimize the risk of financial loss.</p>
<p><a rel="nofollow" href="http://faggiofinancial.com/index.htm" target="_blank">Click Here </a>for more divorce information about how to protect yourself and your family.</p>
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		<title>Tips to Save a Marriage â What You Must Know</title>
		<link>http://freedivorceconsultation.2send.me/tips-to-save-a-marriage-a%c2%80%c2%93-what-you-must-know/</link>
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		<pubDate>Thu, 29 Oct 2009 18:24:56 +0000</pubDate>
		<dc:creator>Divorce Lawyer</dc:creator>
				<category><![CDATA[Divorce Tips]]></category>
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		<description><![CDATA[Marriage is a sacred thing. You must commit to your partner only if you are very sure that you have found the right person you can spend your lifetime with. But that is only the ideal setting. As the relationship last and as you get to know each other better, both the positive and negative<a href="http://freedivorceconsultation.2send.me/tips-to-save-a-marriage-a%c2%80%c2%93-what-you-must-know/"> <br /><br /> (Read More...)</a>]]></description>
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<p>Marriage is a sacred thing. You must commit to your partner only if you are very sure that you have found the right person you can spend your lifetime with. But that is only the ideal setting. As the relationship last and as you get to know each other better, both the positive and negative sides, you have two ways to go. You either go on with the flow, singing a happy tune all along. Or you look for tips to save a marriage to try a quick fix with your problems because if nothing is going to be done, you might end up separate ways.</p>
<p>If you are serious about finding tips to save a marriage, you are on the right track. You are having a rough time, but you won&#8217;t easily give up. You are still willing to try what others would say about the matter and apply it on your relationship. And that is a very good thing. You have to try to work things out before you start calling your lawyers to start the divorce proceedings. Some people would hastily get out of the relationship for simple reasons that can still be fixed. Think about what you have gone through together. If you have kids, think about them and how they would feel if ever the separation will push through.</p>
<p>Here are some more tips to save a marriage that you can include on your agenda to finding peace amidst the hurdles that your relationship may be faced with.</p>
<p>1. Keep your promises. Whether you are the husband or wife, if you have said something that you know is very important to your partner, keep it. Regardless of how petty or small the promise seems to be, you must make sure that you abide by what you said. This way, you won&#8217;t easily lose the trust that your partner has on you. Trust is everything when it comes to relationship. And this is one base that you can enhance such factor, by keeping your promises and staying true to your words.</p>
<p>2. Avoid getting jealous and judgmental. When jealousy strikes you, you will be enveloped by a negative feeling and thoughts that may lead for you to become judgmental. This is something that must be avoided as much as possible when you are in a relationship, especially in marriage. If you can&#8217;t help but be jealous, do not try to analyze things that you don&#8217;t understand by yourself. You might only create impressions based on what you have seen. Instead, try to talk it out, but make sure that you keep an open mind while doing so.</p>
<p>3. Talk things out before you start lashing into one another. You have to talk matters with your partner in a very diplomatic way at all times. Your conflict won&#8217;t be resolved if you will say hurtful words to one another.</p>
<p>4. It is better to be quiet if you are angry to make sure that you don&#8217;t say too much hurtful words that you might later regret saying.</p>
<p>5. Do not ever resort to any types of abuse.</p>
</div>
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		<title>Divorce Advice For Men &#8211; 5 Hot Tips You Must Avoid to Save Your Marriage!</title>
		<link>http://freedivorceconsultation.2send.me/divorce-advice-for-men-5-hot-tips-you-must-avoid-to-save-your-marriage/</link>
		<comments>http://freedivorceconsultation.2send.me/divorce-advice-for-men-5-hot-tips-you-must-avoid-to-save-your-marriage/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 08:18:05 +0000</pubDate>
		<dc:creator>Divorce Lawyer</dc:creator>
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		<description><![CDATA[Are you feeling down or frustrated with your disappointing marriage turning sour? Does your spouse keep finding faults or looking for fights with you? Are you feeling helplessness? Are the thoughts of divorce lingering around your mind? Hold it! Don&#8217;t touch that dial yet, you are not alone we have some great divorce advice for<a href="http://freedivorceconsultation.2send.me/divorce-advice-for-men-5-hot-tips-you-must-avoid-to-save-your-marriage/"> <br /><br /> (Read More...)</a>]]></description>
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<p>Are you feeling down or frustrated with your disappointing marriage turning sour? Does your spouse keep finding faults or looking for fights with you? Are you feeling helplessness? Are the thoughts of divorce lingering around your mind? Hold it! Don&#8217;t touch that dial yet, you are not alone we have some great <a href="http://freedivorceconsultation.2send.me/divorceadvice" style=""  rel="nofollow" >divorce advice</a> for men like you!</p>
<p>The desire of a relationship to last forever at a wedding is something that everyone walks down the aisle for. However, after a few years, the ability to be compatible with the other person may have changed and the memories created may start to become inconsistent.</p>
<p>If your marriage is on the rocks and heading for divorce, you will want to make sure that you get through the trial with as little pain as possible. Using the following supportive <a href="http://freedivorceconsultation.2send.me/divorceadvice" style=""  rel="nofollow" >divorce advice</a> for men will provide you with a way to make sure that you can come out clear on the other side.</p>
<p><strong>Tip No: 1</strong></p>
<p>The most important <a href="http://freedivorceconsultation.2send.me/divorceadvice" style=""  rel="nofollow" >divorce advice</a> for men is to follow when you are going through a divorce is to recognize how this plays with others who are involved. For example, if you both have children, you will want to make sure that they understand the circumstances.</p>
<p>Both the father and the mother should talk to them in a way that lets them know why they are getting divorced and what the changes mean. No matter what the age of the children, this can help them to get through the times and to understand what is happening. This <a href="http://freedivorceconsultation.2send.me/divorceadvice" style=""  rel="nofollow" >divorce advice</a> will also allow them to keep a perspective on what is occurring.</p>
<p>After taking care of how the changes will affect the family, you will want to move forward through other steps that will allow for a smoother transition through the divorce.</p>
<p><strong>Tip No: 2</strong></p>
<p>The next piece of helpful <a href="http://freedivorceconsultation.2send.me/divorceadvice" style=""  rel="nofollow" >divorce advice</a> for men that you will want to make sure that everyone is clear on is how the split will affect the assets that have been built together. This includes property and value division as well as ways to divide assets.</p>
<p><strong>Tip No: 3</strong></p>
<p>In addition to the above <a href="http://freedivorceconsultation.2send.me/divorceadvice" style=""  rel="nofollow" >divorce advice</a> for men, make sure that these particular changes will allow for a fair exchange will also create better options for the change that is occurring. Finding someone who can help you to make the correct determinations, and making sure that you don&#8217;t get caught up in the complications from the marriage during this point are important to make a smooth break.</p>
<p><strong>Tip No: 4</strong></p>
<p>Another vital advice for men about divorce is while thinking about the best way to divide things equally will also be the need to define what is needed for custody of the children and how this will work.</p>
<p>This will be dependent on the living conditions of the home as well as what is occurring in the lifestyle changes that are happening. Making sure that a fair and equal change between the two individuals is available will also provide the ability to plan and file for the correct exchanges to be made when moving through the divorce is one of the best advice you can get.</p>
<p><strong>Tip No: 5</strong></p>
<p>Lastly, the most essential <a href="http://freedivorceconsultation.2send.me/divorceadvice" style=""  rel="nofollow" >divorce advice</a> for men is to keep in mind to keep clear about what is occurring and to present all of the changes that need to be made in the correct way.</p>
<p>This will allow for the right opportunities to be met and will allow for the effects of the divorce to remain at a minimum. With so much issues to handle when a relationship goes sour, the best <a href="http://freedivorceconsultation.2send.me/divorceadvice" style=""  rel="nofollow" >divorce advice</a> for men that can be provided are still the ones that help you to totally avoid a fatal divorce whenever possible!</p>
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		<title>Cheap Divorce Tips â A Must Read</title>
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		<pubDate>Tue, 20 Oct 2009 17:23:24 +0000</pubDate>
		<dc:creator>Divorce Lawyer</dc:creator>
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		<description><![CDATA[Is there such a thing as a cheap divorce? With the current trend in most divorce proceedings these days, the correct term will have to be cheaper divorce. No matter what other people may say, there really is no such thing as going through such a process for free. The mere fact that a person<a href="http://freedivorceconsultation.2send.me/cheap-divorce-tips-a%c2%80%c2%93-a-must-read/"> <br /><br /> (Read More...)</a>]]></description>
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<p>Is there such a thing as a cheap divorce? With the current trend in most divorce proceedings these days, the correct term will have to be cheaper divorce. No matter what other people may say, there really is no such thing as going through such a process for free. The mere fact that a person will try to move to another domicile, or consulting the services of an attorney, or even ordering a do-it-yourself (DIY) divorce kit online all constitute to spending more money than usual in an effort to gain legal emancipation from a spouse. But there are ways on how to get cheap divorce, or rather cheaper divorce by following some of these steps.</p>
<p>1. Always, always, always ask for legal counseling &#xE2;&#x80;&#x93; even if you intend to do most of the work or present your case at the divorce courts yourself. Ask your potential attorney if his or her company has un-bundling divorce services (where you can pick and choose the exact services you want to pay for only); pre-paid legal services (wherein you pay for the attorney&#xE2;&#x80;&#x99;s full services but on a monthly rate only); or pro-bono services (free legal counseling, usually on grounds of bankruptcy.) In any event, a qualified lawyer will make this process go much faster as opposed to you simply guessing as to what you should be doing next. The rule of thumb for most divorce cases is this: the faster the process goes &#8211; the less money both parties will spend.</p>
<p>2. No matter how painful this process may go, never close your communication ties with your soon-to-be-ex. Again, it is important to make sure that the divorce papers of both parties are filed immediately and that child custody issues are discussed intimately. Aside from that, there are papers that would need the signatories of both husband and wife, especially when it comes to the dissolution of joint property and financial statements. Many separating couples are now choosing mediatory divorce, rather than to actually bring the procedure to the courts. Mediatory divorce means &#xE2;&#x80;&#x9C;civilly&#xE2;&#x80;&#x9D; talking about an uncontested separation &#xE2;&#x80;&#x93; or almost uncontested. Unresolved issues are discussed behind closed doors with only the two parties and their legal representatives (if any) present. The judge will only come into the picture when all possible legal entanglements are already resolved.</p>
<p>3. Be reasonable rather than vindictive&#xE2;&#x80;&#xA6; and hope with all hope that your soon-to-be-ex follows the same rule. When it comes to divorce, there is no such thing as an equal split. There is a documented case in Arizona wherein one spouse demanded for the &#xE2;&#x80;&#x9C;equal&#xE2;&#x80;&#x9D; share of the printed encyclopedia from A to M-Me, while the other party should only be getting the Mi-My to Z books. Although this may seem hilarious now, it is a good example of asking for &#xE2;&#x80;&#x9C;equal&#xE2;&#x80;&#x9D; but an unreasonable request regarding joint properties. Try not to get too hung up on numbers if you do want the divorce proceedings to end inexpensively. A fair split is rarely an equal split. Try to focus your attention on more important matters: like back taxes, debts made under your joint accounts, credits that may be taken still under your name after the divorce, your kids&#xE2;&#x80;&#x99; unpaid education funds, etc. These are more important financial issues that you might be unfairly saddled with on your own. Assuredly, these issues are more important than splitting the encyclopedia books in half.</p>
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