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Labor Day is nearly upon us and that got me wondering about the history of this holiday. As you may be aware in the mid to late 1800’s many workers in our country labored under horrendous working conditions with little pay and little say about their deplorable, unsanitary, and unsafe conditions. Even children were forced to toil away in factories and mines at half the pay of adults. It wasn’t until the workers united and took a stand that they began to have rights to protect them.

“Courage is standing up for and protecting yourself and your loved ones, as well as taking the first step forward.”  
             ~ Bella Shaw

Today, Labor Day is a celebration of workers and the rights that give them better protection than many years past. As we enjoy the upcoming holiday weekend be mindful of the many rights and protections we have because of those who struggled before us and worked to bring about positive changes.

In this month’s ezine issue we examine ways to protect yourself that you may or may not be familiar with such as pre and post-nups, estate planning, and even insurance products.

“In the end, you have to protect yourself at all times.” 
           ~ Floyd Mayweather, Jr.

I hope you enjoy reading the articles below from DivorceTown USA’s Top-Notch Experts and give yourself the gift of protection.

Protect Yourself with Prenuptial and Post-nuptial Agreements

By: Damon Bivek, Attorney at Law

Most individuals considering a prenuptial agreement in Georgia, will probably tell you that they are dreading having the “pre-nup” conversation with their fiancée or spouse. People fear discussing prenuptial agreements because of the discomfort and stress it puts on a relationship otherwise focused on wedding and honeymoon planning. People fear post-nuptial agreements because of the potential to derail an otherwise healthy marriage. However, going through the process of planning and executing a prenuptial or post-nuptial agreement does not have to be an uncomfortable experience. In fact, if handled properly, it can lay the foundation for a wonderful marriage centered on education, communication, trust, balance and equality.

Three Easy Steps to Protect Your Estate Before, During and After Divorce

By:  Amber Brantley, Attorney at Law

When going through a divorce the last thing on your to-do list is making updates to your estate plan. No one enjoys thinking about their demise or having to decide who will be in charge of them when they can no longer care for themselves. This is why estate planning is usually at the bottom of everyone’s list.  This becomes especially true when you have the added stress of going through a divorce. However, when going through a divorce estate planning becomes extremely important. Below are three easy steps you can take to ensure your family and your “stuff” is protected before, during and after your divorce.

Health Insurance:  The Challenges and Realities of Protecting Your Health

By:  Bob Smith, Licensed Insurance Agent

The Affordable Care Act (ACA) was passed into law by Congress March 2010, with many of the statutes implemented January, 2014.  The necessary expertise needed to choose coverage for oneself and family has changed considerably since Health Care Reform was enacted.  If you haven’t had the responsibility to purchase coverage in recent years, I want to share two important points that can prove valuable on multiple levels.  The first can be easily recognized, while the second is not as obvious but essential when shopping for health coverage.

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