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    4 Tips to Help You Successfully Handle Divorce

    Written by Finance Video. Posted in Uncategorized

    Divorce can be a tough time for all of those involved. Whether it is just a couple or a couple with kids, there will be many details that have to be sorted out. These include everything from finances, housing situations, and guardianship arrangements for the kids. While it may be an emotional time, the practicality of the situation can be dealt with by considering a few things.

    Seek Out Divorce Advice

    While the initial reaction when pursuing a divorce might be to seek out a lawyer, you should also consider building a personal support team. A lawyer is great for the practical side, but also have friends you can trust or a therapist you can rely on to help you through the emotional strain. You need people to vent to that will allow you to express emotions so they don’t get pent up.

    As far as practicality goes, find a good divorce lawyer who knows how the system works. If you are unsure about how the process works, the steps you need to take, or what your rights are in certain situations, you could be taken advantage of. You will want an attorney who specializes in divorce and family law. Each state has different regulations so they need to be up to date on the latest changes.

    Another thing to consider when searching for a lawyer includes making sure they are entirely on your side and willing to fight for what you want. Divorce is tricky because emotions get involved and while you hope your ex-spouse could be civil in dividing matters, that may not be the case. You want a lawyer that will look out for what is best for your situation and provide unbiased divorce advice.

    Most importantly, you should feel comfortable and confident when speaking to your lawyer. This will be a trying time in your life, but you have to be candid and honest about what you need from the separation. A good lawyer will listen to your needs, answer any questions you have, and explain their process and what they can do for you. They should also be completely open about their costs and what they charge for their services. Affordability is also certainly a key concern.

    Get Your Finances in Order

    Paying for a divorce lawyer is one thing, but finances, in general, are the main component in a divorce that needs to be sorted out. If you did not handle finances when you were together, you will have to learn how to manage your money. This may be daunting to think about, but it can be done with the help of a financial adviser or you can seek out different finance videos that will assist you in your journey after divorce.

    When it comes to splitting the finances, even before you seek out finance videos, there are many accounts and documents that will need to be changed to reflect who owns what. It is essential to take names off of titles and assets. These are the initial changes that will start you on your way to being completely independent of your ex. Change the title on any cars you have to reflect who owns them. This also needs to happen for the house. Powers of attorney, wills, and health directives will have to be updated and don’t forget about credit cards. The last thing you want is to find a random charge to your account by your Ex. When it comes to bank accounts, close joint accounts and reopen new ones in your name only.

    Once these initial changes are made, you can begin consulting finance videos to move forward with the financial side of your life. There are all kinds of finance videos out there from learning the basics of managing personal finances, tips for saving money, and ways to begin investing. These finance videos will help you organize your money and also allow you to begin saving money in case of emergencies. Even setting aside 50 cents a day for an entire year will accumulate 40% of a 500 dollar emergency fund. There are all kinds of small tips and tricks to save a dollar here and there that will add up.

    If finance videos are not for you, meet with a financial planner. They will help you assess and evaluate your current situation after the divorce and advise the best way to start saving for the future. This might mean evaluating your spending at the end of each month so you can develop a plan that will pay the bills without a hassle. They will be able to set up an individual plan that works best for you and will help establish a plan for a stable retirement. Sometimes it is useful to consult a person who knows the business and to then use finance videos to flesh out that knowledge on your own time. Finance videos are helpful to see how to organize funds in a different way. Do what you think is best for you.

    Create a Plan for Home Ownership

    A large asset to deal with in a divorce is ownership of the house. You will need to decide who is going to keep it and who will start looking through the ads for new homes for sale. Or maybe you will both decide to sell it and move on. If the house will be sold, there are several things you’ll want to do before putting it on the market.

    One of the first things you will need to do is collect necessary paperwork on the house. This includes the utilities and any other systems you might have implemented in the house. This makes it easier for your realtor to show the house and provide potential buyers with information immediately. It will also provide a good history of what and who has provided for the house thus far.

    Having your house show-ready will be a must. If you have pets or kids, you will want to make it look like they are not there. A clean house is more appealing to buyers. You may have to move the animals long before moving out and the kids’ playdates may have to stay at their friends’ houses for a while. This will make spontaneous house showings possible which could lead to the needed sale.

    Keep track of any repairs that need to be done. Is the mailbox dented? Replace it with a new one. Is that handle on the kitchen cupboard loose? Tighten it up with a couple of twists. What about those small nail holes from hanging pictures? Patch them up quick. The small repairs can make a big difference and many are not too pricey to fix. Are the carpets a little scurfy? Have a carpet cleaning done to polish the floors. This will get out the stains from kid and pet accidents as well. Carpet cleaning companies are equipped to deal with stains and will be familiar with prepping a house for sale. All these small fixes will tidy up the overall appearance of the house.

    When it comes to major repairs, you’ll want to evaluate cost-wise what is beneficial for you versus what you are willing to take for a hit in price on the house. It might be worth finding a landscaping contractor to clean up the outside of the house. The curbside appeal is important when it comes to selling homes. It is the first impression that can also leave a lasting impression. You’ll want to make it a good one. A landscaping contractor will be able to assess what kind of landscape materials will boost the house’s appearance.

    Understand How Divorce Affects Your Kids

    Divorce between two people is hard enough, but it can be even harder on the kids, especially young ones if they don’t understand what is going on. Even if the children are young, they are still perceptive and can sense the tension in the air. In addition to a divorce lawyer, it may be worth your time to consult with child custody lawyers as well.

    Circumstances that might warrant a child custody lawyer include complicated cases such as if your case crosses jurisdictions. If you are dealing with multiple states, you will want a lawyer to help sort out the different state laws. You might also want one if you feel the kids could be in danger with your Ex. The safety of your kids is not a joke and your concerns should not go unnoticed. A lawyer will also help you if your Ex tries to prevent you from having any rights to see your children. If you have to receive court-ordered treatment or take classes, a lawyer will help you explain the circumstances and gage what rights you have to your children while completing necessary requirements. The law can be messy, but try to make this transition as easy as you can on the kids.

    Once you have figured out the rights of the kids, you can start figuring out the rest of your life. This might be the determining factor of who keeps the house or whether it is sold altogether. If you are planning to sell the house or will be the one moving, your next location will have to take the kids and their needs into consideration.

    Will the school be near you or will you have to commute a bit to a school near your Ex? Either way, consider the best family neighborhoods so you’ll know your kids will feel safe and welcome in a new environment. Also, look for good school systems if you plan on changing schools. You’ll want the best pre-k if your kids are just starting their schooling. This will help them develop a friend group that will keep them occupied as you sort out the divorce.

    In addition to schooling, be sure there is an urgent care center around and a proper healthcare system close by. Kids are kids and you never know when they might have an accident or get sick. You can ask around for recommendations of good urgent care centers. Research the doctors online to see who is available and what their backgrounds in medicine are. A trustworthy health center will likely be busy, but it shouldn’t be so busy that you are unable to receive attention for your child in a timely fashion. Kids don’t have the same tolerance to wait around that is expected of adults. You’ll also want it close to where you are living so you don’t have to make a major trip across town.

    If you know about the school systems, neighborhoods, and healthcare available, this will help your case for child custody. It lays out an organized plan to care for your child and shows that you are putting their best interests at hand despite this trying time.

    Take Time to Process the Divorce

    Ease the stress that comes with divorce by getting organized. Build up a personal support system to help vent your emotions, but enlist in a good divorce lawyer to help you start sorting out the practical necessities. A divorce lawyer will know your state’s rules and regulations so you will get the most from the separation.

    Start gaining financial independence by making the initial changes on large assets. Once things are separated and claimed, you can consult a financial planner or finance videos to help you establish a stable money-saving plan. There are a plethora of finance videos to help you get on your feet.

    Figure out what is happening with the home and start prepping it for sale if the goal is to get rid of it and move on. There might be extra cleaning measures to take, but it could be well worth the small expense in the end.

    Lastly, get all these things organized and leave the kids out of it to make this new change in their life easier. Talk with a child custody lawyer to make sure you know your rights and have a good plan in mind that will provide the best life for your kids. Divorce might be messy and emotional to deal with, but if you take it one step at a time, you can build a successful new chapter of your life.

    Loans for Small Businesses and Projects

    Written by Finance Video. Posted in Inventory financing, Restaurant funding, Small business loans for construction company

    Most businesses found in the United States today are on the smaller side, often having under 500 or even 50 employees overall. These small companies have thin cash reserves, and any young company is probably only making a modest profit at best until it can expand. So, these small businesses rely heavily on loans to keep themselves funded and operate, from a small business loans for construction company operations to restaurant funding options and inventory financing. In fact, even payroll funding companies can be used just so the small company can afford to pay its own employees on time. Taking out a loan, such as small business loans for construction company work, means having good business and personal credit alike and reading the fine print. How might this work?

    Loans For a Small Business

    The bad news is that many small business owners today do not have a firm gr

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    Written by Finance Video. Posted in Business loans, Community bank, Mortgages west palm beach

    Saving money can be difficult. Money is tight, bills are due, and unexpected expenses are always popping up out of nowhere. A 2016 GOBankingRates survey stated that in the U.S. 35 percent of adults have a few hundred dollars in their saving account and another 34 percent of those adults have zero dollars. At the end of the day, we all want to use our hard-earned money to enjoy ourselves. Bills are less fun to pay, and one of the biggest bills is the mortgage. While owning a home is a rewarding and satisfying experience, it’s expensive. You may also be choosing a bank, applying for business loans, or opening personal checking accounts. A helpful way to think about any investment or obstacle in one’s way is to learn about it, and this article will answer the question, “what is a fixed rate mortgage?” and many others. Hopefully it will also provide solutions to keeping more of your money in your pocket where it belongs.

    So what is a fixed rate mortgage? When you’re buying a hom

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    Written by Finance Video. Posted in Life insurance settlements, Sell your life insurance policy, Selling life insurance policy for cash

    In the United States, most, if not all, of Americans consider their life and death. To be more specific, they spend some time thinking about what will happen to their family, their belongings, and their assets once they pass on. Many individuals purchase a life insurance policy. By definition, a life insurance policy is a contract between your insurance company and yourself; this contract is more-so an exchange. Essentially, you make payments, and then once you pass away, your insurance company will provide your family members with a monetary element. Most of the time, this is a lump sum of cash. Although this sounds ideal in theory, people have been questioning if a life insurance policy is necessary. After all, around 86% of life insurance policies will lapse without any benefit of being paid and many policy death benefits are never actually disbursed. Because of this, it may be wise to consider selling your life insurance policy. If you’re curious about life insurance settl

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    Written by Finance Video. Posted in College savings moline illinois, Company retirement plans quad cities, Trust administration

    When many of us think about the problem of food insecurity, we often Invision young children. The hidden fact, however, is that there is another group of people suffering from this issue as well: the elderly. As the greying of the nation continues to increase, there is a real problem for those older Americans who cannot get the food that they need to stay healthy.
    As a result, some fo these older Americans face worse medical issues because they are not getting the nutrition that they need. This leads to higher Medicare and Medicaid costs when health problems require hospitalization. When you realize that so many of these problems are the result of poor nutrition you begin to understand the need for solving the problem of food insecurity in Americans of all age, both young and old.
    Another population group that is not often considered when it comes to food insecurity is college students. As more and more families struggle, however, to find a way to have the kind of college savin

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    Written by Finance Video. Posted in Affordability calculator, Loan programs, Types of loans

    With so much debt on the shoulders of the American people, the greatest amount is in the form of home loans. Mortgages are offered by many different banks, under many different terms and formats, but there is much for gaining that first home or that dream home that you have always wanted. Mortgage calculators are needed by all in order to determine the amount of downpayment required for purchase, what the loan term will be, the interest rate, and then the monthly payment.

    Types of Loans

    Home loans and other loans are available in different types. Some require a specific percentage of down payment along with a firm annual percentage rate that compounds over the years of the loan. Some mortgages are fixed-rate or adjustable-rate mortgages (ARM) or others that offer some flexible terms. Sometimes with the different ups and downs of the real estate markets, there are home loans taken on that end up being a great failure in the end.

    Common Loan Types

    With so much

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    Written by Finance Video. Posted in Customer financing, Finance water heater

    All across the country, millions of Americans plan to make major purchases every year. Due to a variety of life circumstances, people are preparing to buy items like furniture, laptops and desktop computers, televisions, and expensive jewelry, just to name a few examples. However, while many people are preparing to make these purchases, that doesn’t mean they’re getting ready to pay for them all at once. Due to the expensive nature of these items, many have to turn to lease purchase programs, or lease to own programs, in order to be able to afford the items they’re looking to buy. This article will take a look at several examples of items that can be bought using lease purchase programs.

    • Furniture: One example of items that can be bought using lease purchase programs is furniture. This is not surprising as after a house and a car, furniture is the third most expensive item a person will

    Getting Truck Loans Done Right

    Written by Finance Video. Posted in Heavy duty truck loans, Truck financing, Truck loans

    The United States is home to a truly vast manufacturing sector that produces everything from cars and appliances to books and children’s toys. But this sector does not act alone; these goods are moved across the nation with the help of carrier companies, whose trains, planes, and trucks can deliver freight nearly anywhere. And as with most business sectors in the United States, the freight sector is largely made up of many small companies, along with a few larger ones. These companies need to have a good business credit score so that they can secure loans, such as from invoice factoring companies. In other cases, semi truck financing companies may help out, and truck loans may prove very helpful to a small company in need. In fact, even a company with poor credit may secure small business loans like these. A truck carrier owner may look up these lenders online, such as “commercial vehicl

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    Written by Finance Video. Posted in Hard money loans atlanta ga, Mortgage loans

    There are many types of loans out there in the world. There are student loans, business loans, mortgage loans, construction loans, and also something known as hard money loans. There are several ranges of people who can serve as hard money lenders. These can include friends and family, acquaintances, and professional hard money lenders. Before taking one of these loans out, there are a few things you need to know about them and this article will take a look at a few of those things.

    • Hard Money Loans are Relatively Short: Unlike other loans, which can be taken out for a long period of time, hard money loans are typically short in duration, ranging anywhere from six months to a year, though they can be extended to last longer in some cases. Hard money loans are meant to provide funds for a relatively short project, like renovating a house, that’s why they’re meant to be paid

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    Written by Finance Video. Posted in Apply for loan oxford, Open a checking account anniston

    Paper money seems like it is slowly losing traction in today’s market. With debit and credit cards becoming the most common ways to pay for goods and services, it’s important to understand your options.

    What Is A Checking Account?

    Simply put, it is an account provided by a bank that allows you to deposit and access your cash easily. Checking accounts allow you to physically withdraw cash, write checks, and use a debit card to pay for services. This gives you a wide flexibility with your money, and allows you to control how you spend your money, and in what form. With the onset of digitization, debit cards have quickly become the most common form of payment; however, for larger purchases some people still rely on paper checks.

    What Are The Benefits of Checking Accounts?

    Whether you already have a checking account, or are considering opening one, there are many benefits that you might not realize are available.

    • Security.