Don’t Push My Buttons!




What is the difference between reacting and responding?

The most important difference is the control you have over your emotions. When we react, it is an emotional knee-jerk snap. It is usually as a result of someone ‘pushing our buttons’. We can go from 0 to 100 in seconds. It is sometimes as if we are being taken over by another force as we feel the uncontrollable need to immediately and vehemently attack or defend. You may be thinking, is there any other way?

The good news is no matter how ‘wrong’ or abusive the other person or situation is, you do not have to react with an emotional explosion. You can choose to respond in a firm but calm manner.Responding can only come when you give yourself the time and space after the comment or situation that upset you. You begin to look at the ‘upset’ as a ‘set up’, an opportunity to look at your triggers, your part in the situation.

When you wait and don’t immediately respond to the upsetting circumstance, you give yourself a gift, the gift of thoughtful introspection. That time and space enables you to consider the situation, what has triggered you and how you want to respond in a more rational way. The gift is grounded in self growth. First you can ask, ‘what button is he or she pushing?’ Was I aware of the button? How long have I had that button for (I guarantee it pre-dates whomever is pushing your button right now).

Now you have learned something about yourself. How is this button or trigger serving me? Do I always respond the same way (ie. do I always feel like a victim when someone speaks abusively to me and then react in kind?). How might I respond differently? Now you have created a space to learn something about yourself and respond to the other person in perfect control. You have taken a ‘negative’ situation and made a positive out of it for yourself. What is the benefit of responding vs. reacting.

When we react, we dump our emotional load on others. Even if we have something important or wise to say, because we are doing it from a place of upset, it is mired in our angst. What the other person hears is our anger, resentment, pain or frustration, not the thoughts and wishes that might be buried somewhere within our reactive statement. When we respond from a place of calm, we can say what we think and how we feel without dumping our emotional load in such a way to overwhelm the other person. It gives us an opportunity to be clear and concise, to state our needs or desires separate from our upset. It also gives us an opportunity to own our lesson in each situation.

This is not to say that the other person did not do something ‘wrong’, it is simply to say that every upset that we go through is a lesson for us about ourselves and if we choose to look only at the other person’s wrong doing, we are missing a great opportunity to grow! So what do you do?

  1. Don’t Shoot the messenger (do not react to the person causing the upset).
  2. Get the message (realize your trigger, the thing you learn about yourself).
  3. Spend some time figuring out your triggers and considering the way you respond to such triggers.
  4. Finally, RESPOND from a place of calm and clarity.

Choosing to respond instead of react is also a choice to move into a more positive energetic place. You have heard of The Secret: The Law of Attraction. Most people live primarily in victim and conflict energy. These energy levels of destructive and leave us feeling sad, hopeless, frustrated, angry and upset. When this is how we feel, it is also what we attract in others. By learning how to respond, to reframe what has happened and begin to cope in a different way, you increase your energetic vibration to a more healthy and positive energy. As a result, you will feel better about yourself and your circumstances as you begin to learn from even the difficult experiences.

The added benefit is that as you change the dance with the person you are in conflict with, they too will change the way they react. Without trying to control anyone but yourself, you will have a positive impact on your interactions. Moreover, when you begin to live your life from this higher energetic platform, you attract those with a similar healthy energy. You no longer find yourself with the same unhealthy people (partners, bosses, friends) in your life.

Karen McMahon Karen McMahon is a Certified Life Coach and founder of KM Life Coaching, Karen’s passion is to work with men and women going through the divorce process; helping them navigate the difficulties while focusing on personal growth and embracing the opportunities that lie ahead.



What You Might Not Know About Your Divorce Settlement That Can Ruin Your Credit




Like it or not, your divorce and credit score are linked.

divorce and credit scoreIf you are getting divorced, chances are you are concerned about your divorce settlement.  Your attention may be focused on what you will get in the settlement – which marital assets you hope to gain and possibly what kind of support you will receive or be ordered to pay.

But one area you might not have carefully considered is your marital debt and how that debt leaves your credit vulnerable, no matter what the divorce courts decide.   It is important that you understand what you owe, how the debt is going to be handled and your level of credit exposure.

What you might not realize is even if your divorce decree gives a debt to your ex-spouse and makes your ex-spouse accountable for paying it, divorce courts have no jurisdiction over creditors.  Most of the time, creditors do not care about the divorce settlement and agreement.

Ouch! Your divorce and credit score stay married long after you do.

Divorce courts do not have the power to wipe out your obligations to lenders. Credit cards, auto loans, mortgage companies and other debtors will hold you liable as long as your name is attached to the debt.   Even if the divorce settlement orders your ex-spouse to pay that debt, your credit is going to take a hit and you can be sued for the amount owed.

For added protection, you will want to add what’s called a “hold-harmless” clause for debts to your divorce settlement.  This clause allows the party who was not ordered liable, but has to pay because the legally responsible ex is not paying, go after their ex for the cost of back payments, damages, interest and attorneys’ fees.

When you are getting divorced, you have to protect your own best interests over the long run.  If you do not have a solid understanding of your credit obligations as they relate to the divorce settlement, you could create financial problems for yourself for years to come.

Be sure to educate yourself about credit and divorce and get support from professionals trained specifically in divorce and credit score matters.



What Speed Divorcing Is All About – Lisa C Decker CDFA




Speed Divorcing – Learn To Be Smart From The Start

Visit http://SpeedDivorcing.com



Speed Divorcing – Atlanta Georgia





Would you like
 to step out of the fog and receive clarity and answers for your burning questions in a fast, efficient and money-saving manner?

If so, You are in the Right Place! 

You are invited to join us for …


Speed Divorcing

As seen on cnbc speed divorcing

Hosted by Divorce Money Matters®

Rest assured, this is no ordinary event.  While we’ve put a spin on an old concept — think speed networking with divorce professionals — we take this subject matter, and your life situation, very seriously.

 

As professionals we know the devastation that divorce can wreak - emotional turmoil, financial stress, high costs to get divorced, lost time from work, just to name a few - and the potential problem areas lurking behind every corner.

 

We’ve come together because we want to help you AVOID those PROBLEMS by guiding you to be smart from the start. We’re accomplishing this by bringing together caring, trusted specialists in a setting that allows you to get the maximum amount of answers in the shortest amount of time.

 

This is your place to get answers and make connections with respected professionals who will help you get the answers you need and the guidance you deserve…quickly and efficiently!

 

When: Saturday, April 28, 2012 – 10:00 am – 2:00 pm


Where:  7000 Central Parkway NE, Atlanta, GA 30328

~ Terrace Level ~


This special event is Limited to Only 10 Participants to ensure each person gets special personalized time and attention!


A light lunch and refreshments will be provided.

Don’t miss this opportunity - Sign up NOW!


 

Join us first for a lively panel discussion between professionals who will address legal, financial and therapeutic issues as they share the most common mistakes they see folks make in divorce and how you can avoid them!

 

Then we’ll move into special breakout sessions by the lake (weather permitting) where you’ll receive 15 minutes of one-on-one sessions with EIGHT respected professionals who will offer you personalized assistance for all aspects of your divorce.  


Our Master of Ceremonies will guide you through our special round-robin style event to where you’ll meet individually to have a confidential consult with each of our wonderful specialists.

 

Visit SpeedDivorcing.com



Getting Divorced: Before Dividing Your Marital Assets, Know What Is Considered Your Separate Property




separate propertyHow do you know if it’s “Separate Property?”

When getting divorced, you and your spouse will need to divide the things you own between you.  But determining who will take what when getting divorced is not usually a simple process.

Even in the most amicable divorce, divvying up property can prove to be a contentious process.   Often, the two feuding spouses disagree over who owns what and each side believes the other side’s claim to ownership is flawed.

When a couple has been legally married for any length of time, the question over what property is owned jointly and what is considered separate property tends to be complex.

Your best bet is to enter into the process of getting divorced with as much information as possible.  While laws vary from state to state, you can start by gaining a general understanding of how property is typically divided.

As you mentally divide your property in preparation for getting divorced, your thoughts may focus on those things you consider yours – things you believe you own separately from your spouse.  But, legally, separate property is not just that which you consider your own.

If a spouse brings an item into the marriage, it might be considered separate property.  An inheritance which occurs before or during the marriage might also be considered separate property.  Another example might be a gift received solely in one person’s name during the marriage.  In some states, settlements received in a lawsuit may qualify as separate property as well.  But here’s the catch:  the property should not have been commingled during the marriage to retain its separate property status (in most cases – case law varies greatly from state to state). 

Remember, when getting divorced, there is much to know and nothing is as straight forward as you might assume.  Getting solid advice from a specially trained legal or financial professional, such as a Certified Divorce Financial Analyst (CDFA) can help you make informed decisions regarding property division.



Getting Divorced? How to Start Your New Financial Future on the Right Foot




learn how to budget your moneyIf you are in the process of getting divorced, now is the time to learn how to budget your money, with new rules for spending and saving.

Sometimes the hardest part of getting divorced is facing a new financial reality. This can be a very daunting task for some folks, especially if you were not the one who handled the household financial chores like bill paying and bookkeeping.  However, when getting divorced, simple preparation can help you move forward with solid footing.

Starting today, make a plan to get to know your money. If you have to, make an appointment with yourself for thirty minutes to an hour every day.   You must get to a place where you fully understand where your money comes from and where all of your money goes.

Since the thought of having to deal with this is overwhelming for so many, I suggest baby steps to get yourself started. Just like any goal you want to achieve in life, begin with the end in mind and then break the process into bite-sized pieces to help you get there.

Learn how to budget your money.

For at least one month, save the receipt for every single item you purchase.  Ideally, you should track three months of expenses to receive a more accurate picture. However, if time is of the essence, one month will get you started.

Carry an envelope with you if you have to and keep all of your daily receipts in it. At the end of every day, transfer your collected receipts to a larger envelope or file folder, which you will sort, categorize, and record into a new budget creation worksheet or software. This will become the basic foundation for your new monthly budget.

After you complete this exercise for a month or so, you will then have an idea of your average cash needs on a weekly basis.  So as you enter into the process of getting divorced, you will have a clearer picture of what your needs are.

Your budget, or spending / savings plan if you prefer (some people hate the word budget!), is a fluid, living document that will change with your life circumstances.

Once you learn how to budget your money, and at regular intervals throughout your lifetime going forward, you will need to revisit and adjust the plan as needed.

From Lisa C. Decker – Certified Divorce Financial Analyst (CDFA) – “Divorce Your Spouse, Not Your Money™”

And now I would like to invite you to claim your FREE “Save Your Money, Save Your Sanity™” Fast 5 Divorce Prep and Planning Kit showing you how to keep more money in your pocket and more sanity in your life when you visit www.SaveMoneyInDivorce.com.



Getting Divorced: What Your Divorce Attorney Might Not Know That Could Cost You a Fortune




Divorce AttorneyThe first thing many people do when getting divorced is hire a divorce attorney.

In fact, those with significant assets and money at stake tend to run out and hire the most expensive divorce attorney they can find.  Because they are simply unfamiliar with what can happen, parties getting divorced rarely take the prudent step of undergoing a professional financial analysis.   As a result, as the divorce process unfolds over months and years, all too often a good deal of the assets they were concerned about splitting with their ex have been devoured by high legal fees.

How does this happen?

You should be aware that it’s simply not your divorce attorney’s job to provide in-depth advice to you on money matters.

The expertise of a divorce attorney varies by individual, and it is likely your attorney does not have the specialized financial knowledge needed to help you make the best decisions regarding your long-term financial “big picture.”  Seek assistance from a financial professional, such as a Certified Divorce Financial Analyst (CDFA), with specific training and experience in divorce matters.

In many cases, hiring an effective divorce attorney near the beginning of the process is a good idea, especially when you anticipate a hotly-contested battle over finances.

If you have a contentious divorce ahead of you, consider having your divorce attorney hire your CDFA early in the process.  Done this way, the analysis and work remain confidential and privileged, and will not be subject to discovery in the divorce process.

In the end, what your divorce attorney might not know could cost you a fortune.  Remember, when getting divorce, your goal is to secure your own financial future, not your attorney’s.  Decide upfront what is worth fighting for and the cost vs. the benefit of fighting for it.  Sometimes spouses do things out of spite that simply do not make good financial sense, such as spending thousands of dollars fighting over an item that could be replaced for a few hundred.  Solid divorce planning, with your trained adviser’s help, can make all the difference.

From Lisa C. Decker – Certified Divorce Financial Analyst (CDFA) – “Divorce Your Spouse, Not Your Money™”

And now I would like to invite you to claim your FREE “Save Your Money, Save Your Sanity™” Fast 5 Divorce Prep and Planning Kit showing you how to keep more money in your pocket and more sanity in your life when you visit www.SaveMoneyInDivorce.com.



Divorce Planning: The Secret to Saving a Ton of Money When Getting Divorced




Save tons of money when divorce planningYes, “divorce planning” and “saving money” can go together if you know what you’re doing.

If you are getting divorced, chances are money is near the top of your list of concerns.  If you are worried about the financial aspect of your divorce, divorce planning should begin long before taking any legal action.

One key to successful divorce planning includes identifying a qualified adviser to work through the money issues with you.

You might want to consider working with a divorce financial planner pre-divorce to work out the money issues on the front end, which will potentially save big bucks on the back end.

If money issues are all you have to work out between you and your spouse, you may want to think about working with a Certified Divorce Financial Analyst™ (CDFA™) or Divorce Financial Planner to iron out these issues.  If you and your spouse are able to reach agreement with the help of a trained divorce planning financial professional, then you eliminate the need for much of the drama and trauma of getting divorced.

Quite simply, working matters out with the guidance of a divorce financial specialist prior to, or in addition to, working with a legal adviser (mediator and/or attorney) can save you tremendous amounts of money now and in the future when the divorce is all said and done.  After all, isn’t that what you really want?  To be done with it today, but to also know that you are protected for tomorrow and the days after that?

Your divorce planning financial professional can help you to create a settlement that is fair, equitable and reasonable for both spouses, if desired.

The agreement that you and your spouse jointly agree to, on your own terms, can then be taken to an attorney who will draw up the legal papers and you can file an uncontested divorce.  This equates to a tremendous savings in the hours, emotions and costs to divorce.

You have the choice to make wise decisions in your divorce planning efforts from the start, which will allow you to avoid the common mistakes of getting divorced.  No matter what your finances look like, it is vitally important that you have a legal and financial adviser review your situation before you sign on the dotted line, preferably long before when you have time to prevent mistakes.

From Lisa C. Decker – Certified Divorce Financial Analyst (CDFA) – “Divorce Your Spouse, Not Your Money™”

And now I would like to invite you to claim your FREE “Save Your Money, Save Your Sanity™” Fast 5 Divorce Prep and Planning Kit showing you how to keep more money in your pocket and more sanity in your life when you visit www.SaveMoneyInDivorce.com.



What You Should Know About Getting Divorced In an Equitable Property State




Equitable PropertyEquitable Property does not mean “half.”

The division of marital assets is determined by whether you live in a community property  or an equitable property state.  Dividing marital assets is often one of the most complex and contentious aspects of getting divorced.

The majority of the states in the United States are equitable property states.

Laws, however, can vary widely even concerning similar issues from state to stateEquitable property states aim to divide the marital property equitably or fairly, though not automatically equally.  If you reside in an equitable property state, expect that things may not necessarily be split down the middle.

The assumption in equitable division is that each spouse is entitled to receive a fair and equitable share of the property of the other spouse.  Factors commonly considered in the division are the length of the marriage, needs of the spouses, and the overall fairness of the division.

In equitable property states, everything acquired while married is subject to division, regardless of whose name is on the asset or debt.

So for example if you bought a mutual fund in your name only during the marriage, it is still marital property to be divided when getting divorced.  Or if your spouse purchased an investment property in one name only, it is still marital property.

The same holds true for debt in equitable property states.  In my experience, some courts may take a harder look at who was responsible for the purchases and the nature of those purchases that created the debt when dividing the final outcome, but you should not count on this.

If you are getting divorced and your only residence is in an equitable property state, you will need to have a clear understanding of how your marital property will be divided.  The stakes are high and the outcome of your divorce is almost always final, so be sure to work with a professional trained specifically in financial divorce matters.



Getting Divorced: How States Classify Separate Property vs. Marital Property




marital propertyMarital Property:  What’s Yours is Mine and What’s Mine is Mine.  Well, maybe not…

If you are getting divorced, one step that causes a lot of anxiety is the division of property.  Spouses getting divorced should be aware that individual state laws vary greatly in the areas of how property is classified (marital or separate) and the manner in which they are divided.

Many states begin by determining which assets are considered separate property, and then classify everything else as marital property.  If this is the case, separate property generally includes those items a spouse brings to a marriage, inheritances, gifts and settlements that have not been commingled during the marriage.

While determining separate property is not always straight forward, these are the general guidelines for determining what is not considered marital property in most states.

Some states handle dividing property when a couple is getting divorced differently.  When states use a process called the “Kitchen Sink System” (I’m not joking, that’s what it’s really called!), the courts throw everything into the marital property pot, (separate, as well as, marital) but look at the source of the property (gifts, inheritance, owned prior to marriage) when considering how to divide it.

Other states may take separate property out of the mix first and then divide what is truly “marital” property (property acquired during the marriage or as previously discussed, in some cases growth of separate assets during the marriage as well). This method is known as a “Hybrid System” or a “Modified Kitchen Sink System.”

No matter which system is used, most states morph separate property into marital property if the assets became commingled or combined sometime during the marriage. For example, if you put “separate” assets into a “joint” account in many cases they may now be considered a “presumptive gift” to the marriage and subject to marital division, even if only for a short time in some cases.

To add more confusion in trying to sort of all of this out, remember that some states may look at the intent of combining those assets as well. So, as you can see,it is critical that you work with someone who is well-versed on the laws of your state when it comes to complicated marital property matters.



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