Divorce Money Matters

Here are some divorce options you may not be aware of:

·         Pro-Se – Do it yourself.   May be ok for very simple cases (no real estate or other assets or debts, no children), but beware this can be riddled with problems.  Best to at least consult with a financial advisor and attorney before finalizing.

·         Pre-Divorce Financial Planning – Working with a CDFA or Divorce Financial Planner to work out the financial issues before filing for divorce can be very cost effective.  Once the financial and parenting issues (if there are any) are worked out then a couple can file as an uncontested divorce literally saving themselves thousands, if not tens of thousands, in legal fees.

·         Mediation – Mediators act as neutral parties to help couples craft their own agreements.  

·         Arbitration – Used only for particular areas of contention that couples can’t work out on their own.  Final and binding.  Not commonly used in divorce or the best way to go, but can be useful in some situations.

·         Collaborative Divorce – Uses a team concept – 2 attorneys, 2 coaches, 1 financial neutral and 1 child specialist, if needed.  Parties are not allowed to go to court.  There are pros and cons to this as well.

·         Cooperative Divorce – Similar to Collaborative, but parties leave open the option for going to court.  That may be a pro or a con.

·         Litigated Divorce – This is what most people think of when they hear the word divorce.  Knock down, duke it out in court types of divorces with very adversarial approaches.  With the right blend of attorneys on both sides, this may not be as costly.  With the wrong type of attorney on either side, this can be a money-sucker for both sides from the very start.

·         There  may be combinations of any among these.

There is a post on DivorceSaloon.com http://tinyurl.com/TigerSerialCheater that I just left a comment on.  I’ve kept quite up until now, but I had to post my reply here.  And by the way, my response would be the same if it was Elin who was the cheater, this is not a sexist reply.

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Ok, I’m confused as to why are you so interested in helping Tiger Woods, who I’ve dubbed, “The Serial Cheetah (Cheater)” in this situation?

This is a man who has everything and has been living the good life. His behavior has not only been an incredible embarrassment to his family and sponsors, but also think about the damage he has done as a “role model”.

Look, having an affair is bad enough, but serial cheating is another. Maybe his defense will be that he has a sex addiction. Who knows, could be true. Get some help for God’s sake!

But, I guess it doesn’t really matter anymore…cheat with a dozen or so women and then get named “Athlete of the Year.” Got to love America….land of the free, home of the brave. He was brave alright, brave and brazen in his sexting right under his wife’s sleeping nose. Elin, go get him!

Be sure to join me for my special teleseminar this month for more helpful hints on how to make your holidays happier despite divorce, featuring Joanie Winberg, author, Radio Personality, Speaker, and Business/Personal Coach specializing in Divorce. In addition, she is theCEO andFounder of The National Association of Divorce for Women and Children -www.NADWC.com.

This months teleseminar features information on issues that anyone going through the divorce of your marriage during the holidays can benefit from.Be sure to make note of any questions you may have if you would like them answered during the call, and as always both men and women are always welcome.

Wednesday December 9th at 7:00 pm.

Sign Up Here

With the holiday season upon us, the stress of divorce is compounded. The article below is from “Parental Alienation Hurts,” by Chrissy. I hope this article is helpful to anyone going through a difficult time. Happy Thanksgiving to All. I am thankful you are here.   ~ Lisa

This information below is from a recent email I received from Senator Johnny Isakson regarding flood relief for the recent victims in Georgia.  More rain has happened this week and is still raining today.  Prayers go out to the victims of all this flooding.

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Recently, our state witnessed a series of severe storms that resulted in flooding across much of north Georgia and the metro Atlanta area. As a result, Gov. Sonny Perdue requested a federal disaster declaration from President Obama to assist the affected areas.

On September 24, 2009, President Obama issued a Major Disaster Declaration for the state of Georgia, triggering the release of federal funds to help individuals recover from the severe storms and flooding that began September 18, 2009, and continuing. Currently, the counties of Bartow, Carroll, Catoosa, Chattooga, Cherokee, Cobb, Coweta, DeKalb, Douglas, Fulton, Gwinnett, Heard, Newton, Paulding, Rockdale, Stephens and Walker have been designated for Individual Assistance, and all counties are eligible to apply for the Hazard Mitigation Grant Program.

Individual Assistance can include temporary housing assistance for eligible applicants such as rental assistance and repair assistance. If you sustained damage during these storms and live in one of the designated counties, I encourage you to register with FEMA by calling 1-800-621-FEMA (3362) or TTY (800) 462-7585 for individuals with speech or hearing disabilities. If you have Internet access, you may apply for disaster assistance online at http://www.disasterassistance.gov <http://www.disasterassistance.gov> .

In addition, Carroll, Catoosa, Chattooga, Cobb, Douglas, Gwinnett, Paulding, Stephens and Walker counties are also now eligible for Public Assistance. This assistance provides funding on a cost-sharing basis to local governments and certain private nonprofit organizations for the repair or replacement of damaged roads, dams, bridges, water treatment facilities, publicly-owned utilities and other types of infrastructure.

I have been in communication with state emergency officials as well as local government officials in counties affected by this severe weather and flooding. Last week, I toured some of the damaged areas with Vice President Biden, Homeland Security Secretary Napolitano and FEMA Administrator Fugate. I believe it was very important for the administration to see firsthand the destruction that has taken place, and I hope it helps them understand the urgency of getting help to all of Georgia’s affected   communities.

I have compiled the latest information on disaster response and recovery activities on my website. Please visit http://www.isakson.senate.gov/flooding.html <http://www.isakson.senate.gov/flooding.html>  for more information, including a list of local disaster relief centers.

Thanks to Susan Cadley, LPC, CSC of Living from Within LLC Counseling & Coaching Services, Suwanee, GA 678-296-1278 for sharing this information.

Did you know there is a resource available for the family pets of victims of domestic violence? When a family or person leaves a domestic violence situation, leaving an animal behind is yet another loss and can be dangerous for the pet. Ahimsa House is a resource that will foster, vet and care for family pet where safe shelter is required.

Last year Ahimsa House paid for 3000 room nights for animals from domestic violence situations - cats, dogs, horses, etc. There is always a need for foster homes and fund raising activities cover the organizations costs. This month Ahimsa House presents Walk `N Wag on 10/10/2009. Consider supporting them by bringing your dog(s) out of a walk or visiting the event.

Lenox Park Buckhead
Saturday, October 10, 2009

Fun, Food and Entertainment
 for the Whole Family!

Saturday, October 10, 2009 o 10:00am-2:00pm
Registration begins at 9:00am
Ahimsa House Attractions:

* One Mile and One-Half Mile Walks
* Silent Auction
* Micro chipping & Nail Clipping by a Vet
* Pet Contests with Celebrity Judges
* Vendor Booths (click here <http://www.ahimsahouse.org/walk-n-wag-vendor-list> to see current list of vendors)
* Entertainment
* Food
* Doggie Art Station
* Prizes
* Demonstrations

… and Much More!

www.ahimsahouse.

Would you like to learn about recent changes in credit card laws and how they affect you? 

• Are credit worries keeping you awake at night?

• Would you like to improve your credit rating, but don’t know how?

• Do you believe you are powerless to keep more money in your pocket when it comes to your credit cards?

If you answered yes to any or all of these questions then you don’t want to miss this teleconference:

“Surviving the Credit Crisis –

What’s New and What You Can Do to Overcome

Credit Challenges and Changes!”

You still have time to sign up for the call happening tonight at 7:00 pm!

http://divorcemoneymatters.com/considering-divorce/events/surviving-the-credit-crisis-teleseminar/

Learn more about Cindy’s Pay Debt Quickly kit that clients are raving about!  Learn how to create your personal debt payoff plan!!