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violent-backed-starling · 4 years ago

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An Essay For your Consideration

The Manson Family, Heaven’s Gate, The People’s Temple; all are fairly well-known cults. They are known because of what they did. They all made the news in the worst possible way. The Manson Family murdered innocents because their prophet commanded them to. Heaven’s Gate ended in a mass suicide. The People’s Temple ended with a mass murder/suicide. These are all traumatic and shocking events. It is because these are so well known and present in the public eye that these cults in particular have shaped the way people portray cults in the pieces of fiction they write. This is evident from The Order in the Silent Hill Series by Keiichiro Toyama to The Village by M. Night Shyamalan. The cults in the media are always dark, unhinged, or at the least upsetting to most people, which is why the viewer generally ends up rooting for the hero. In a particular fictional cult they express several of the above traits. In the 2019 horror comedy musical Black Friday, written by Matt and Nick Lang with music and lyrics by Jeff Blim, there is a cult that goes about the mall doing similar crimes. This kind of behavior is extreme. In general, cults while still awful and problematic in their own rights, do not go to such horrific lengths. The Wiggly cult in Black Friday has extreme behaviors, even by cult standards.

When the cult first formed in the mall in Black Friday it was not completely horrible, unhinged yes, but not completely irredeemable. Over the course of a few mere hours they turned to savage actions in order to get what they wanted. It started off with just burning down the Cinnabon in the mall as a “sacrifice to a dark god”. Their actions only escalated from there. The cult’s prophet, Linda Monroe, slit the throat of the manager at Toy Zone when he could not get her a Wiggly doll immediately, even though he tried to bargain with her saying that he could contact the manufacturer and get her a Wiggly doll. She later tried to have one of the cultists murder a teenage worker at Toy Zone, presumably for lying about having one of the Wiggly dolls. She lied about the Wiggly doll to protect her sister who carried it, unknowingly, in her backpack. The teen worker managed to escape and find help in the end, but she was supposed to be murdered. The cultists also ended up finding this worker’s sister and taking her back to Linda who threatened her with a knife when she found out the sister no longer had the Wiggly doll. She most likely would have been murdered by Linda if there had not been help coming from her sister. The cult eventually died in a fire when the whole mall burned down due to the Wiggly doll being set on fire, because they refused to leave the Wiggly doll that they had gotten ahold of and were fighting over who would be the new prophet since Linda had been shot and killed. The cultists literally burned alive instead of escaping because of their cult and them wanting to be the new prophet. That is an absolutely horrific and painful way to die. Them burning alive for their god is a prime example of extreme behavior. Even when it comes to the more extreme cults, they generally do not end up with cultists burning alive, voluntarily. This kind of behavior is why the Wiggly cult in Black Friday is not a regular cult.

Cults show up on the news on occasion. Those cults are generally more violent and upsetting because what they do or what they did has to be something awful to get them onto the news. NXIVM is a cult that has made headlines semi recently since they did awful things like brand women and make women give them blackmail materials so they could not leave the cult once they joined. This sounds bad and horrific and is only scratching the surface on what truly was going on, but they did not commit murder or mass suicide. This is also just one case, a case that made headlines no less. When it comes to the easily recognizable hallmarks of cults the ones that come to mind are the manipulation of their members, brainwashing, and the separation of members from their family and friends. Cults usually end up separating the members away from their family and friends in order to make them more vulnerable and likely to stay within the cult. The cults also sometimes take money from their followers who, believing that will be put to a good cause, give it to the leader. That money is usually used to benefit the leader of the cult in some unorthodox way, like buying a sports car or nice worldly possessions. While that sucks and no one should take advantage of people like that, it is still far better than murder. In Wiggly’s cult they were willing to kill for one of the Wiggly dolls. Their prophet wanted four of them, but not a single person in the cult had one until the end and when they finally got one it was Linda’s, no ifs, ands, or buts about it. The people that also were part of the cult had problems because that was how Wiggly ensnared them. They were part of the cult of comfort because of their own issues and wanted relief. That is the same reason why many people joined NXIVM. Keith Raniere presented his cult as an MLM that sold courses for self improvement. In Black Friday Linda had an affair with her lawyer and desperately wanted to be adored. The other cultists had similar issues, one had recently lost a job, another was homeless and so on. This cult of comfort had people under its thumb believing in their new god, Wiggly.

There is also the issue where people blend the lines between cults and religions. The fact is that they do overlap in areas, and many cults are based upon being a religion. Thomas Robbins explains that the ways religions have become more cult like has affected the studies of the sociology of these religions. Then the other group that cults overlap with is political parties. There are a number of political cults as well. The Cult of Cheka in Russia is a big one. The public sees that “the FSB continues to promote a positive image of the Cheka in the public imagination”. This cult is pushed to be in the public eye and is supposed to be thought of as good. It is literally a government supported cult. That is because this is a secret police kind of deal. That implies that this lies on the more extreme side of cults as well, but that is the way most of the well known ones are. Wiggly’s cult has both of these aspects to it. Linda is Wiggly’s prophet because he is a dark god from another dimension, but the reason people love and believe in him is capitalism. Wiggly is not only an interdimensional being with the powers of a god, he is also the little dolls that were sold in the Toy Zone, and all over the USA. The commercial for those dolls promised relief from the woes of the world to his followers. They were convinced that this product would make everything better. That is why they were willing to burn with the doll rather than just letting it go.

Most cults that end do not do so by such tragic means but rather they just split apart or fizzle out on their own. Sometimes there are legal issues, but they are generally something smaller scale than murder, such as tax fraud, insurance fraud, etc. Those are still crimes and they are seriously wrong but not nearly as bad as killing someone.

The time in a cult does affect the mental health of the individual. The ex-members of some organizations would say that they suffered from “cognitive deficiencies (e.g., memory, perception, decision-making, or information-processing deficits) and emotional impairments”. The separation from family and friends makes it harder for people to leave. The cults do, generally, let people leave though, and people do choose to leave. This is not the most common, but nor is it completely unexpected. While people who leave their cult do consider it to be rewarding, they also have problems afterwards. They can have physical issues, emotional issues, psychological issues, or some combination of them. These are regular cults, the more extreme variety could have one committing serious crimes like murdering, being an accomplice to murder, or straight up ending with them dead, whether by their own hands or not. Those people in Wiggly’s cult did not leave; they would rather die than leave their cult of comfort, so they did.

The people that ended up in the cult in Black Friday were there because Wiggly and by extension Linda promised to fix the holes in their lives. They just blindly followed and believed her when it came to what Wiggly could and would do for them. They would not take responsibility for their own problems and try to solve them themself. The cultists wanted the fake promises of comfort Wiggly gave them rather than trying to fix them because it was easier to just rely on Wiggly. They wanted someone else to fix their problems like their failing marriage, losing their job, their messy divorce, losing custody of their kids, their dead wife, etc. This is something that probably drives real life people to join cults as well. Bad circumstances can have one turning to ill advised sources of comfort and relief. In some cases that ill advised source of relief could be cult. These are the kind of people that a real life cult would target to try to get them to join their ranks. These are people who might turn to a cult in times of trial which is exactly why a cult would try to convert them simply because they are easy targets. Even if the actions of Wiggly’s cult are extreme the member’s reasons for joining are ordinary and understandable. That gives this cult some sort of connection to a more realistic cult. The actions from this cult do align with some cults, namely The Manson Family and The People’s Church.

The Manson Family was also a very extreme cult when it came down to it. The Manson family with the myriad of crimes they committed. Those crimes including murder, torture, hostage taking, the attempted assassination of the president and other lesser crimes like grand theft auto and forging a check from the treasury. The trial was no less disturbing with Charles Manson trying to represent himself and after a few days being found incapable of doing so. He also entered the courtroom with a cross carved into his forehead. Manson demanded to be allowed to testify and they agreed. He testified that he was a product of the criminal justice system since both his father and mother ended up in prison at some point. The court also ended up having members of the family testify and they told the truth of what Manson said and believed. They actually ended up testifying against Manson. The cult was following his orders and it was on his orders that they killed. They also believed what he was saying about Helter Skelter being a huge war of which the Family would come out on top of. Manson said that was the true meaning behind the Beatles song by the same name. The cult also had members afraid of Manson and they were scared to disobey so they did what was asked of them whether they wanted to or not. That kind of behavior from a cult is intense, extreme, and rare which is why it was in the public eye as much as it was. This is exactly the kind of cult behavior that Wiggly’s cult from Black Friday also expressed. They also had similar behavior to another cult, that cult being The People’s Temple.

The People’s Temple started out with good intentions, but ended up with a large amount of its members dead. It started as a genuine religion but changed for the darker as the leader, Jim Jones, started faking healings and doing drugs. The healings would bring in more people and more money and with that money eventually Jones started doing drugs which evidently caused him to change, personality wise. He started wearing his signature sunglasses at that point to hide the fact he would have been doing drugs. He eventually got so paranoid due to the drugs that he decided to start his own little paradise for his followers out in Guyana. He started a small village with cottages and called it Jonestown. Many of the followers flocked out there, but once they got there they were stuck. They did not have enough money to leave, Jones kept their passports in a locked box, and all of the mail coming in and out was monitored. Those combined conditions made it practically impossible for anyone to leave. Life in Jonestown was miserable; they did not have enough space or food for everyone. Eventually concerned family members were able to convince U. S. Congressman Leo Ryan to go check on Jonestown in 1978. He and a bunch of reporters visited on November 17th, 1978 and at first it was okay but Ryan invited the followers to leave with him. Jones got very upset at how many wanted to go and as a result one of his lieutenants attacked Ryan with a knife. He escaped without harm. Jones then ordered for Ryan and his companions to be killed. They were ambushed and murdered as they attempted to board planes to leave. Then Jones ordered everyone in the main pavilion where the older member and nurses injected the young with poisons and drank poisoned Kool Aid. That kind of thing is very extreme. It is uncommon and made the news.

The extreme cults are rare and have radical ideas and views. Wiggly’s cult is extreme and so is The Manson Family and The People’s Temple. They are all alike in the committing murder area of cult behavior. They also promised to be the ones safe from the world and would be left alive when the apocalypse would come. Wiggly’s cult ended in suicide as did The People’s Church. That is an extreme reaction to the situation that was going on and there were far better options that just were not taken. Manson and Linda were alike in that they would delegate the murdering to someone else. Linda and Jones are alike in that they did actually get their hands dirty. Linda’s cult may have been fictional and had some serious supernatural elements, but it still reflected actual cults behaviors even if those behaviors were extreme and part of the one percent of cults.

#black friday #starkid #wiggly

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kansascityhappenings · 6 years ago

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Independence council approves budget; retiree health insurance benefits hang in balance

INDEPENDENCE, Mo. – The future of health insurance for retirees who used to work for the City of Independence may not be known until this fall.

On Monday, the city council approved a budget that calls for changes to its retirement insurance plan.

But the council also unanimously passed a resolution for a special insurance advisory committee, in hopes of addressing concerns by those impacted.

Sandi and Dean Mosley are among some 1,500 former employees and spouses who believe the city is balancing its budget “on the back of retirees.”

“It’s going to cost us,” Sandi Mosley said. “We pay the city, our premium, $182.84. We will be paying almost $300 in premiums.”

“We have good insurance now, and we paid for it,” her husband added.

Dean worked for the water department for 30 years. The 73-year-old said he took pay cuts over the years to ensure him and his wife would be covered by the city’s insurance plan, known as Stay Well, long after retirement.

“If they drop us or drop the whole thing, then if I pass away, she has nothing,” he said.

The newly passed budget calls for cuts to retirement health insurance that will save the city an estimated $5 million annually.

Zach Walker, the city manager, wants retirees over the age of 65, along with their dependents, to move to a Medicare supplement plan and use the city’s insurance as a secondary source.

“Retirement health insurance is such a unique offering among public and private employers,” Walker said. “In fact, when we were doing our work on the budget, we found that only 18% of employers nationwide are offering retired health insurance in some form or fashion.”

Walker said tough decisions had to be made in order to make up for a $3.5 million deficit, without further cutting city jobs and services.

“I do understand the moral argument that people are making, so what we’re trying to do is find that sweet spot between providing responsible and comprehensive coverage for these retirees but also making sure we have the funding in place to provide the basic services that our citizens rely upon us for,” he said.

Walker said no one would lose their insurance.

“Business will continue as usual,” he said. “Coverage will remain the same for all city employees, all pre-65 retirees and all of our Medicare-eligible retirees.”

Walker is hoping that a Special Health Insurance Review Committee, authorized by the council to review Medicare plan options, will alleviate some concerns by those who opposed the city’s decision.

“We’ve had a lot of good conversations,” he said. “That committee will go and review options that are out on the marketplace, assess their coverage, the cost of those and eventually make recommendations.”

Kirk Stobart, president of Professional Firefighters of Independence Local 781, thinks the committee is a “sign of good faith.”

“It lets them have their time to look into the plan changes, see what’s best, what’s going to hurt and what’s not going to work and let the system work like it should,” Stobart said.

However, he said discussions surrounding the issue should’ve happened months ago.

“Most people come here for the benefits,” he said. “We’re not the highest paid. We’ve committed our entire lives, our careers and we felt like this was really an attack to take that away from us.”

The Mosleys warned that all employees – retired or not – should be worried.

“We’re all in this program together, so this will be a domino effect and it will affect them eventually,” Sandi Mosley said.

The SHIRC will consist of nine members: three representatives from Stay Well, three City Manager designees and three retirees. The committee have until October 14 to present its recommendations to the city council.

from FOX 4 Kansas City WDAF-TV | News, Weather, Sports https://fox4kc.com/2019/06/17/independence-council-approves-budget-retiree-health-insurance-benefits-hang-in-balance/

from Kansas City Happenings https://kansascityhappenings.wordpress.com/2019/06/18/independence-council-approves-budget-retiree-health-insurance-benefits-hang-in-balance/

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mrjohnhthompson · 6 years ago

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4 Insurance Rules That Will Guide You In All Your Protection Needs

There has been a growing demand for insurance products in terms of savings and investments, but the level of awareness regarding protection among Malaysians is surprisingly low. While many often take it for granted, it should be considered a household requirement as it could be your (or your family’s) knight in shining armour in times of need. Hence, here are the top 4 insurance facts you need to grasp before you turn away another insurance agent.

1. What are the types of insurance out there (and which do you need)?

Insurance is not a complicated product once you understand the concept. In summary, it is a contract between a policyholder (you) and an insurer. The main reason many sign up for insurance is to obtain financial aid to cover the costs associated with life’s unfortunate events such as death, disability or even, unexpected home repairs costs. The policy (your insurance) may reimburse or cover such costs immediately (these are called “claims”) encountered by the insured person during his or her policy term. The policyholder will have to pay a certain sum, known as a premium, to be insured with the coverage. The premium can be paid once a year, twice a year or even in monthly instalments. Additionally, there are investment-linked insurance plans (usually merged within a life policy) where a certain percentage of your premiums will be allocated to an investment fund, which can potentially help with your savings for the future. Sounds good? As good as they sound, not everyone needs every insurance policy available. Hence, it’s best you know the different types of policies out there before you sign up or build your protection portfolio. To make it easier for you to decide which policies to sign up for, we’ve also matched some personalities to an appropriate insurance portfolio. However, keep in mind that there is not one formula for deciding which you may or may not need – this depends solely on your lifestyle (which we will discuss later). [table id=1062 /] Now that you have the basic knowledge of insurance, let’s dive into the other details you must know.

2. There is an insurance policy for everyone

Sometimes individuals who already have a pre-existing medical condition will face a hard time in getting an insurance policy. However, these are often the people who need insurance more. For example, people who have high cholesterol, high blood pressure, or high body mass index (BMI) are more susceptible to four critical illnesses (heart attack, stroke, cancer, and kidney failure). In view of the needs, there are some companies that offer plans (known as “high-risk policies”) specifically centred around such pre-existing conditions. One of the products that are available in the market is Allianz 3H Cover, which provides life protection designed specifically for people with high cholesterol, high blood pressure or high BMI. On top of that, it comes with an optional rider - 3H Critical Cover that will provide coverage up to RM200,000 upon diagnosis of the 4 critical illnesses which they are susceptible to. Other specialised insurance policies include Allianz Diabetic Essential, which is a medical plan developed for diabetics and takes into consideration the health complications which arise from their condition. It even allows you to enrol for a tailored care programme known as their Diabetes Care Programme by Advance Medical. These unique solutions also reward you when you take care of your health via premium discounts or improved coverage. So don’t lose hope! If you have any health conditions, you can still consult a qualified agent as they are able to match the most suitable protection plan for your specific needs.

3. Managing your policies for optimal coverage

Reviewing your insurance portfolio regularly is important, especially after every life cycle as your needs and situation may change over time. For example, if you have gotten married, you may want to update your life insurance with medical benefits as well as update the beneficiary of your policies to meet the needs of your growing family. Additionally, you can also update other insurance policies you may have, such as reviewing any new home appliances you might want to be insured under your home insurance plan. You can also update your policy with “riders”, which are extra benefits you can merge with your policy for optimal coverage – these riders can offer benefits such as critical illnesses, coverage against personal accidents and so forth. However, updating your policies isn’t just about upgrading your sum assured or adding on riders, it also includes reviewing your insurance portfolio annually to re-adjust minor details such as your personal details and more. Hence, here are some common things you should look out for when you review your policy:

4. The right insurance coverage can make a huge difference

The main reason for applying for insurance is for the coverage benefits. Alarmingly, 90% of the life-insured Malaysians are under-insured, which translates into inadequate protection for their family members should anything happen to the insured. Furthermore, the probability of Malaysians being underinsured was between 94% and 98% last year! This is dangerous territory as it means your family will not have enough to cope financially should anything happen to you – even the costs of your funeral could stretch between RM2,000 and RM150,000! Thus, having adequate protection is imperative as it means having enough for your family to cope in dire situations such as a critical illness, permanent disablement (which could leave you unemployed) and even, death.

So, how do you gauge your sum insured?

The sum insured refers to the limit your insurance policy will cover. For example, a RM100,000 sum insured for life insurance means your beneficiary will receive RM100,000 upon your death to help them cope with your loss. While you can’t calculate the exact costs of such unexpected situations, you can gauge roughly on how much you need by listing and answering questions like these. How do these questions help you? Here’s an example. Thus, Jack’s priority is his family, which means he should get a life insurance to ensure his family has a financial source to rely on if anything happens to him. From the details above, we can assume a sum insured of RM50,000 will not be enough for his family should anything happen to Jack, as this would only be half a year’s worth of income. Even a sum insured of RM100,000 would only last his family a little over a year as they would have to cope with expenses, such as household bills, expenses or any debt commitment he left behind. Furthermore, his family would need more time to get back on their feet, considering his wife would have to find a stable job. However, be careful not to over-insure yourself. This means you have signed up for an insurance policy (or policies) that is financially more than what you need or that it overlaps with another policy. Thus, you would be paying more than necessary. For example, Jack takes up an investment-linked insurance of RM200,000, when he already holds a life insurance policy of RM100,000. So, how much is enough? The best way to ensure you will have adequate protection with the proper sum insured is to speak to a qualified agent. Once they understand what your needs and expectations are, they would be able to recommend the right amount for your particular needs.

But, remember these quick tips

Consult an agent: An agent will be able to match your needs to the right policy. They will listen to your concerns and tailor your policy to ensure you have adequate protection according to your affordability. You can also get help from your agent when it is time to review your policy.

Understand your affordability: You could be paying more than you can afford if you are opting for a sum insured that is higher than your required amount. Conversely, paying the least possible amount to combat a large deduction on your earnings might leave you underinsured and without proper coverage should you get into an emergency. Thus, evaluate your affordability, how much you need and find a coverage that ensures your policy matches your list of priorities.

Read your policy: Make sure you take the time to read your policy, so you are aware of all the clauses and coverage that you are entitled to.

[caption id="attachment_34915" align="alignnone" width="800"] Allianz Needs Discovery tool[/caption] Should you wish to consult an agent, you may want to consider meeting with an Allianz Life agent as they have recently launched a Needs Discovery tool, an easy and interactive tool that provides a glance of your financial situation and identifies gaps in your insurance coverage. This tool puts you in mind, and help tailor make insurance solutions for you based on your needs and finances. On top of that, Allianz has also launched their ‘Allianz Discover A-Z Campaign’ where you can know more about the different insurance products and services in a fun and engaging way through the campaign microsite. Throughout your journey of discovery, you can also earn entries to a contest where you stand to win prizes like mobile phones, smart TVs, Fitbit activity trackers, shopping vouchers and more. You can also double up your subsequent entries by going through the Needs Discovery tool with an Allianz Life agent, so your chances of winning these prizes will be higher.

The post 4 Insurance Rules That Will Guide You In All Your Protection Needs appeared first on iMoney Malaysia.

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beardedwinnerobject-blog · 7 years ago

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Does Car insurance in Canada discriminate on the basis of sex?

"Does Car insurance in Canada discriminate on the basis of sex?

Does Canadian car insurance discriminate based on gender like they do in most U.S. States?

BEST ANSWER: Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr

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Many jobs are provided in insurance.

Insurance polices at work?

a friend of mine works for a local mall where i'm from. the company he worked for varsity he took out a 10,000 insurance policy left me as heir should anything happen to him. when varsity left the mall and another company took over. he and his co/workers are told the insurance policies they took out and left another as heir were only good providing varsity remained in the mall. how is it legal to charge someone for such a policy. once the varsity left the mall they were told they get nothing""

Car insurance for adult first time driver?

Hi there! I am 29 and still don't have a car and car insurance of almost 4 yrs of living in states. I think my husband is scared of the cost since I have never driven before even in my country of origin since we don't really need cars there. I just want to ask how much does it cost for an insurance for first time adult driver, i mean any idea? thanks! I just want to take my child to the park or somewhere since we just stay almost all our time in our house.""

Anyone know the cheapest car insurance around?

Does Car insurance in Canada discriminate on the basis of sex?

Does Canadian car insurance discriminate based on gender like they do in most U.S. States?

Whats the cheapest auto insurance for an 18 year old male?

Got a job and kind of looking towards to putting my truck under my name but i was just wondering what the cheapest insurance would be.

Insurance costs for a 17 year old for a car/quad/bike?

what would be the (rough) cost to insure; say a small engined car (1.2l ish), a mid sized quad (400cc ish) or a bike (between 125 and 600cc)? what would be the cheapest for a 17 year old? (geussing the bike then the quad then the car?) any help would be appreciated :) cheers dougie""

Can I receive california unemployment insurance while I am receiving retirement income?

I reeive a relatively small Cal Pers retirement but it is not enough to live on so I continue to work.

Do you need insurance for a driver's permit?

I'm hearing different things from all different places and rather than sifting through all of the crap at the dmvedu website I thought I'd ask you guys and get a straight answer. Do I need insurance to get my permit, or just for my liscense? I live in California, by the way, if that makes any difference with the law.""

Insurance claims car was stolen but police report doesn't?

my car was hit about 5 months ago and the police report was filed. i received my copy of the police report and it doesn't state the car was stolen. now my insurance company is claiming, 5 months later, that the car that hit me was stolen. can this happen? how do i know the insurance company isn't making this up so that they wont pay me back for my deductible? thanks!""

How can i get cheaper car insurance?

I have been looking around for car insurance for a while now and other than getting a pretty good quote from a company that fit a box inside my car, the other quotes are no lower than 4,500! It's a 1.4 Astra, nothing fancy about it. It's a bigger car than usual learner drivers drive but i'm sure the quotes i am getting ar way to high..1000 deposit and 492 a month? Help needed!""

Why is there such a big difference in premiums from reputable car insurance vs. cheap ??

Sorry for my use of generalizations, but its no big secret. reputable: American Family, State Farm, Farmers etc cheap : progressive, geico, etc. why are my quotes 3 times higher for the reputable, is it worth the drastic rate increase?""

Insurance Question ??

well im 16 and im most likey getting a car this weekend (the one i want is a 1997 mitsubishi eclips spider convertible) i was just wondering how much insurance will be ?? thanks i realy need to know .

Car insurance for 18 yr old male RIDICULOUS?

I'm 18 and male, so turns out car insurance companies think its okay to rape my wallet. I've been looking at a few quotes on different sites and they come up in the $300-$400 range. I tweak a few things, telling the generator that I'm a 30 year old married woman and then it magically drops to $70 per month. This is crazy, I'm an extremely careful driver, I never drive over the speed limit and I constantly check my mirrors. How the hell do young males afford it?""

No Insurance?

I have being taking mixed martial arts for a few weeks now with a local martial arts centre (own gym etc) but each time I ask about paying for insurance they just say they still have to sort the insurance out, would you still train there without.""

Will my car insurance go up?

Recently I was parked outside of my boyfriend's house and somebody had pulled out of a driveway and hit my car, leaving a big hole in my fender and a bit of a bend in the bumper. I had done absolutely nothing wrong, I wasn't even aware it had happened until somebody said they saw it. Nothing illegal was done on my behalf. They have been nothing but rude to me so I want to put it through my insurance, and I was wondering if MY insurance will go up because of this?""

I trying to find a cheap car insurance for teenagers?

she already have tickets in her name . i trying to find someone who can make a deal with us.

Does anyone know where to get affordable auto (liability) insurance for teenagers?

I am 19, & I live in Charlotte, NC & I have not been able to find car insurance for less than $800 for 6 months. I can afford to pay $600 (100 a month) but I have not been able to find an insurance company to give me such a quote. Do you know any? P.S. I drive a 2002 kia optima & I've only had my licence for a year""

Classic car insurance for 18 year olds?

I was wondering whether it is possible to be put on a classic car insurance policy at 18. I've looked around and nearly all say you have to be over 25. I would like to somehow be insured on an Escort XR3i or RS turbo. I understand that because of may age this isn't going to be very easy. would it be cheaper to be a named driver if my dad owned the car ?

My daughters car insurance has more than doubled because she got 9 penalty points in the last year. she wants ?

me to get insurance on her car and then get her put on that insurance. if she gets more points while she is under my insurance would that affect the price of the insurance on my own cars or would only if she caused an accident make my insurance go up. i could get a years insurance on her car for less than the price of 1 monthly installment she would have to pay for her own insurance. what do you think. if she gets 3 more points she will be disqualified from driving . if that happened while she was on my insurance would that put my insurance prices up even though she would be off my insurance if she did get disqualified. what i have wrote might not make sense. i want to know if i do this for her and she gets disqualified while being on my insurance would that put my insurance prices up for all my cars or what or would it only effect my insurance if she causes an accident. while shes on my insurance. * 41 minutes ago * - 3 days left to answer. Additional Details 40 minutes ago we live in the UK. sorry this is very long i found it hard to write what i was really trying to ask. 33 minutes ago i know if she causes an accident while she is on my insurance ot would effect how much my insurance costs but if she was to get disqualified while she is on my insurance would that effect me inurances oin anyway. if she gets disqualified then she wont be on my insurance anymore. 14 minutes ago only 3 of her penalty points are for speeding. she told me the other 6 points are because there was a mix up with her insurance last time and she was uninured for 4 days and was caught by the police. she got 6 points for that in court a few months ago. she said she that she had phoned them and accepted the policy they sent her to renew it and thought it would continue automatically but she hadnt been to the office to sign for it so she got caught for that. she was only uninsured for 4 days because of her mistake that time. sorry if you already answerd this but i put it on US yahoo answers by a mistake and it didnt show up in UK yahoo answers so i needed answers from people who knows about car insurance in the UK

I found an old insurance policy from 1970 and can't find the insurance company now?

I have the insurance policy number. It's Reserve Life Insurance. I can't find anything with just that name.

How can I get cheaper car insurance as first time driver?

I am 27 years old and have postponed my driving up until now. My driving instructor told me that I am ready to take my test, so I am starting to look at the prospects of a car. I checked online using Go Compare and I can't find anything under 1800 for a Fiesta 1.2 What I was wondering is what will be taken into consideration regarding insurance. Should I perhaps do it by phone? Will my age help... Any advice is more than welcome. I know the first year is hard, but perhaps there is a way to make it a bit easier. I am doing the pass plus and I added to the search to have an excess of 500. Please help out with some advice. Thanks. Vince""

Does having a commercial drivers license affect my insurance rates?

I don't drive commercially for a living, so I'm wondering if having my CDL (which I do have) would affect my auto insurance rates positively or negatively. I have my CDL because I drive a bus every once in a while for the university where I work. Thanks for any help you can give.""

Question about switching auto insurance?

Currently I'm with state farm and I recently changed back accounts without telling them accidently so now I am a month behind and they took away my coverage. I am thinking about switching to a cheaper insurance company but would I still have to pay state farm the rest of what I owe for the 6 month contract I have with them?

Looking for Dowa Insurance?

Also looking for for a Mrs.Mary Blair of Dowa Insurance

Roommates car insurance company wants my car insurance info?

My roommate just changed her address told her car insurance provider she moved in with a friend. Her insurance company wants my car insurance info. Why? Do I have to/need to supply this? What are the positives and or negatives to doing this? Could it make my insurance go up? Note: We are not under the same company or policy for that matter. Thanks

What manufacturer is the cheapest scooter/moped/50cc to insure?

I am 16 and loking for a cheap insurance site for a scooter/moped/50cc Enduro bike, Does anybody know the cheapest manufacturer and insurance site? Thanks Anton""

Cheapest car insurance?

How where and how can I get cheap car insurance?

I lost my job last year and I'm getting back on my feet again and I'm looking for very cheap insurance because I still can't pay too much.

How long do I need to keep Full Coverage insurance on my vehicle if I am financing?

I dont want FULL coverage. I'd rather pay for partial coverage. How long do I need full for? Will they repossess the vehicle if it is not fully covered?

Does Car insurance in Canada discriminate on the basis of sex?

Does Canadian car insurance discriminate based on gender like they do in most U.S. States?

Diminished Value - Dealing with Car Insurance?

I was in an accident where someone side swiped me ($5.5k worth of damage). Their insurance company paid and I just got my car back (2007 Lexus IS 250 - 29k miles). I had just purchased the car 4 weeks prior to the accident from CarMax for $27k. Out of curiosity I went back to see what CarMax would give me and they offered $18k. The car is now only 7 weeks old in my name and 3 weeks of it was in the repair shop! Does anyone have experience with dealing with car insurance companies and diminished value? I live in NC and know that it is one of the states that has diminished value. I want to recoup as much of the difference as possible and since the car is so new (to me), I am willing to get rid of it to show the loss so I don't deal with this years from now. Any advice is appreciated.""

Insurance for Pregnant Women??

I just started taking Clomid, and I know I will probably, hopefully get pregnant soon, and I want to make sure that I have insurance. Anyone know of a great insurance, that is not too costly? For pregnant women?""

When will Obama Care go into effect? Will I be able to get free health care?

My husband and I are currently uninsured. We can not afford health insurance right now. How little do you have to make to get free insurance. And If I have to purchase it, how much will it coast?""

Car Insurance vs.Health Insurance?

I was in a car accident a few months ago. I was at fault 100%, so my insurance company paid for the property damage but the amount for bodily damage is set too high by their attorney.Does n't health insurance contribute to an extent for the injuries and medical bills etc. or is it the 100% responsibility of the car insurance company to pay for the whole amount that is medical bills etc. incurred by the individuals and their health insurance combined?""

Child support and health insurance???

If someone is going to provide health insurance (and dental,vision) for a child does that lower child support even a little??""

My company was bought out - Can I get unemployment? What about my health insurance?

I need some advice. I am an assistant manager at a small call center where I have worked for around 5 years (3 of them full-time). It was just announced to me and the manager (the only 2 full-time employees), that we have been bought by another call center that is not located in our town. The manager is relocating and has been offered a full-time job at their main office (with what I am assuming is a decent raise) about 4 hours away. I am being offered a possible part-time job at a lesser position some 3 hours away - there is no garantee. Well, I have kids so there's no way I'm doing that for a measly part-time position with no benefits. I will be without a job as of May 31st. Our part-time workers will be finding out about the closure on May 1st. For those employees that would like to stay through until the end, they will be offered a monetary bonus or compensation. I doubt it's more than a few hundred dollars. If I cannot find another full time job by then, would I most likely be eligible for unemployment? If I take the bonus money at the end, does that mean I wouldn't qualify? What kinds of questions should I be asking before this happens? I have health insurance for the first time in my life - when does that usually end?""

""Add a teen to auto insurance policy, please help.?""

My dad is getting ready to renew his car insurance, I got my learner's permit in December of last year, and I do drive the car a lot, (with him of course....or not) but if he include me on his policy his premium will be over $1000, move like $1400 - $2000. Just because he added me to his policy, and his insurance company told him he HAVE TO include me on his policy, but I heard some where if you have a learner's permit, you do not require to be on your parent insurance policy? Or something like that......Is this true? Normally his car insurance only cost like $480.00/per 6 months, I hate for him to make me go out to get a job just to pay the car insurance and to drive.""

Right now Im on my parent's car insurance policy b/c im 17 but im looking to move out soon?

Can someone please tell me how much your car insurance goes up once you are on you own plan. im paying 360 every three months now.

Why is my credit ratingscore brought down for getting car insurance quotes?

I'm trying to get auto and renter's insurance and I do not understand why my credit score is brought down because of this. Can't they tell I'm not our trying to get several credit cards or lines of credit or loans? How can this be dealt with and changed or stopped? If this is going to happen, how will my credit look in two years when I am ready to buy a newer vehicle?""

What are my options regarding insurance?

My insurance coverage ended on Dec 9 and i forgot to pay for the renewal. According to the letter I received last week my insurance company will reinstate me if I paid by Dec 29th. So I paid today. However a guy hit a bunch of parked cars including my car in a parking lot and died on the spot. This happened last night. I will get the police report next week from our local police station. So now what should i do? Should i wait for the police report and file a claim against this guy's insurance company? Should I contact my insurance company and ask them to deal with it? Will they actually agree to handle this claim?

I have a question about insurance? Help please?

I just recently got my license, and I'm already listed under my mom's policy. (I'm going to be driving her car.) Anyway, the rate obviously went up because she added me to her policy. But they aren't going to charge her for it until next month. Even though I'm listed under the policy, would I have to wait until next month to drive? Because I haven't technically paid yet for my part of the insurance? Thank you!""

Why insurance agent do not market term insurance?

I am working in an IT company & agent comes to our company for marketing ULIPs. By reading various articals on ULIPs, I now understand the charges & I wonder how these agents hide the charge story partially or completely. Some of my teammates blindly sign on the policy parers & get trapped in the ULIP trap. I asked all agents for Term Insurance & most of them clearly refuse that they only sell ULIPs.I want to know that why Agents & insurance companies have a single point agenda of selling ULIPs & not market term insurance.""

What happens after i complete traffic school for a speeding ticket?

I'm 17. I got a speeding ticket in February, payed it in March, and finished traffic school this month. I went to take my traffic school certificate this week. Does this mean it is cleared? I live in California? I'm wondering because I'm trying to get an insurance rate and it asked if i ever got a ticket.?""

State farm car insurance question?

My bf was in an accident recently where he was rear ended at a stop light. The other driver was ticketed and no one is contesting the fact that the other driver is at fault. My bf decided to go through the other driver's insurance (state farm) rather than his own so that he wouldn't have to pay a deductible. He needs about $600 worth of body work done. After going through all the hoops, he was told to take the car to a local body shop & that he would be approved for a rental car while it was being repaired. Today, he took the car to the shop, but they told him they won't take it until March 21st (about 3 weeks from now). Until then, they expect him to drive his DAMAGED car. He drives long distances pretty frequently (usually visits me an hour and a half away every week or two) and neither of us are comfortable with the idea of him getting on the interstate in a damaged car. What recourse does he have in this situation? It seems pretty unfair that the accident was someone else's fault entirely and he is going to be stuck waiting almost a month to be put whole again :( I suggested that he call state farm and let them know that he's not satisfied with their solution, but he doesn't think it will get him anywhere. Does anyone have experience with this sort of thing? Thoughts in general?""

17 Yr Old Car Insurance?

Im 17yr old MALE and insurance is stupidly ridiculous 8,000? my best quote is 4500 Churchill are Idiots, theyll insure me on 1 car but not the other. Ecar seems to be the best so far. Can anyone give me a good insurance company for FULL UK licence holders. And tell me how much you pay""

How much is motorcycle insurance on average?

I'm looking at a 2013 Victory Boardwalk. My parents are going to make me pay the insurance for it but I don't know how much it's going to be. It's Progressive Insurance by the way.

How does auto insurance work?

I just had an accident today. Me and someone else were backing up at the same time in the parking lot, and we backed into each other. I drive an Explorer, so there was only paint damage. The other car was much smaller so they have a large dent on their rear bumper. We both have Allstate for our insurance. We exchanged info, so what now? Will i have to pay for the other cars damage or will AllState do that? and how much will my insurance increase? this is my second accident. My first was 5 years ago.""

How much would car insurance cost?

I'm an 18 year old male that just got my license and I live in California and my parents pay about $70 a month for each and I was wondering how much it would cost for mine since I'm a new driver and I'm planning to get an 2006 Honda Accord, How much would be the cheapest car insurance for me?""

What is the best car insurance for a 27 year old guy?

right now i pay about $250 / month for my car insurance with progressive. i got a dui 4 years ago (stupid [and costly] mistake and changed my life since then), and i bought a new car in 2011. i'm also 27 years old. does anyone know of a better company that could offer me a better rate? thanks""

""25 years old new driver, no cheap insurance :(?

newly qualified driver but cant find any cheap car insurance for 1998 nissan micra :( no less than 3000 per annum. any suggestion. uk

Why do we have to pay car insurance for other people's cars?

As I understand it, the car insurance we pay is to fix other cars and their drivers in case we hit them. I don't understand why the law requires that we must pay for others' protection. Why shouldn't everybody pay for his own protection? If car insurance is required for everyone, then it would make no difference anyway, and I think, it would make people more motivated to get insurance. For example, if I pay $150/mo for car insurance, and if someone hits me who has no insurance and no money, then my car will look terribly even though I kept the law. This doesn't sound fair to me. If someone hits me, then their insurance should cover their damages and my insurance should pay for my damages. Why should I suffer a loss because they didn't keep the law?""

Ex-friend was using my car insurance for 2 years without consent?

While looking for a new car and insurance (I am on my mothers insurance) i discovered that an ex-boyfriend has been using my last name and claiming i was his husband to get car insurance. The policy was expired last year but he had multiple car accidents. Now my name is somehow connected to his in the car insurance world and I cant get insurance at a decent price. Can I charge him with a crime? How do I get him off my records? Any suggestions?

What type of insurance is auto insurance?

http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm out of all these types which is for auto? and if i wanted to work in a place that sells life insurance do i have to get certified for that too?

""Could you please help me to find a good and cheap private insurance in NSW, for a family of 3?""

Hi we are a family of 3, and looking for private insurance""

What is the best Dental Insurance for North Carolina??

I need to purchase dental insurance for myself because I know I need to go get a cleaning etc. What is the most affordable insurance to purchase that covers the most & gives me options on which dentist I would like to go to? I know I have atleast one cavity so I need insurance that won't break the bank but will keep my teeth looking good. Thank you in advance!! Easy 10 points for best answer!!

Does Car insurance in Canada discriminate on the basis of sex?

Does Canadian car insurance discriminate based on gender like they do in most U.S. States?

How much will motorcycle insurance and registration cost me per year?

I'm a 20 year old male and this will be my first motorcycle. I only have a permit right now but plan to get my licence immediately after registering and insuring my bike. Will that make a difference? I'm going to get like a 600 cc sport bike. I don't need an exact cost. Just shoot me a good range to expect. Thank you.

""I'm turning 17 soon & looking for car insurance, anyone know ruffly how much it would be for a toyota celica?

I live in N.ireland

How much would it cost for insurance for a 17 year old male with a jeep?

Its a 1998 cherokee sport and we live in arknansas. The jeep is a dark green color.

Car insurance for teens?

Can a teenager have thier own car insurance and if so what companies let them im in delaware. And which is the best all answers welcome

When you first get your drivers permit do you have to have car insurance to drive with adults?

When you first get your drivers permit do you have to have car insurance to drive with adults? Or are you automatically covered by theirs?

Car Insurance in Florida?

Hi! Does anyone know how expensive car insurance in Florida is? Specifically, Progressive insurance? Does anyone that has Progressive know if it is more expensive in Florida versus another state, like Wisconsin?""

Does anyone know where i could get a car for my driving test? I need insurance as well. I am 16 years old?

I am going to go get my licence. I am 16 years old in California. The problem is, i don't have a car. Please don't ask me what i'm going to do with my licence if i dont have a car (it's a long story). I need a car i can take with me to do my road test. The DMV also needs proof of insurance. Please tell me where i could get a car and get the proof of insurance. Thanks!!!!!!!!""

Disability insurance?

Car insurance and full time employment?

After playing about on comparison websites I've noticed that with the same companies it's about 100 less if I am in full time employment compared to being a mature student with a part time job...why is this?

""Insurance rates for a 1996 Ford Crown Victoria in Chattanooga, Tennessee?""

My next car, just need to know the insurance. Asking you guys might prevent me a whole lot of hassle and harassment from the insurance companies.""

Cheapest California health insurance plans?

I don't make a lot of money

Can home insurance companies completely deny you because you have a dog that attacked someone at one point?

I'm going to try to keep this short.. just know that, this is for my dog and I'm trying to save him... he's a 10 year old Akita. A year ago, our family dog bit someone. They sued for an insane amount of money, but it wasn't our fault completely, so our home insurance and their health insurance settled out of court for a lot less. Still, the settlement was expensive, and our home insurance didn't like covering a 6-digit figure claim because of the dog so they dropped us. Since then, all home insurance companies don't want to cover us, even if we don't have a dog , this information is by my father who doesn't like the dog already. There is only one house insurance that will cover us, according to my father, but they will only cover us if we don't have a dog, and even then they will charge 4 times as much. I'm not old enough to completely understand how insurance and claims and contracts work, but I'm just trying to save my dog, because my father is going to put him to sleep by the end of this month. I just need a good starting point or phone numbers that could maybe discredit what my father has been saying, or anything that could help. We live in Southern California. Apparently Akitas are listed as vicious, but at the age of 10, he's old enough to be mellow, but still too young to put to sleep. Any help would be appreciated.""

How much would insurance be for a 1999 Ford ZX2 Escort?

I'm 17, a boy, and I live in maryland just 5 miles from DC. Im getting my first car next saturday and its gonna be a Black 1999 Ford ZX2 Escort. How much can I expect to pay for insurance? I have a clean driving record. Also, my parents dont have car insurance so they have to start a separate account for me. Thanks!""

Can I claim through my car insurance without facing any penalities?

Cheap car insurance for a teenager .?

I WILL BE GETTING MY LEARNERS PERMIT SOON... GOT DRIVERS ED AND WILL BE GETTING BEHIND THE WHEEL TRAINING.AND LOOKG FORWARD TO DRIVING A 2008 SCION TC ..ABOUT HOW MUCH WILL INSURANCE BE A MONTH... ANY STUDENT DISCOUNTS I CAN GET...?? ..OH YEAH IF IT HELPS ..I LIVE IN CALIFORNIA

How much is insurance for a 17 year old in NY???

I'm thinking on getting a honda prelude 98-2001.

""My car insurance quote is 5,000?""

This is the cheapest quote given by the companies. I am 19 years old and working in a minimum wage job. How can they expect me to be able to afford 5,000 in insurance when I'm only driving a 250 car? How can this price come down? Will waiting until I'm older reduce the price?""

""How much does individual health insurance cost, on average, in the United States?""

How much does individual health insurance cost, on average, in the United States?""

Can you get medical or medicade if you are pregnant and MARRIED?

My friend is married and pregnant but she recently lost her job and her insurance. Her husband is the sole provider and he makes 45,000 a year before taxes but she is not on his insurance. can she still get her pregnancy covered by a government program. We all live in California if that helps. Anyones stories would be greatly appreciated.""

""If I buy a healthcare insurance plan from the exchange, can I switch plans just like I can with car insurance?

I know car insurance companies must refund you everything you did not use when you decide to switch insurance companies.

Health insurance question for college student?

I'm a dependent college student under my parents health insurance plan and I was wondering if I take a semester off does the college notify the health insurance agency of my absence or do I have to notify them? health insurance provider is CSEA.

Do I have to have a job that offers dental insurance to get it?

how do I find an easy and affordable dental insurace that will aceept people that are self-employed?

Approximately how much does auto insurance cost for an 18 yr old new driver?

Full coverage and/or liability. I just need a ballpark figure to see if I can afford to pay for my son's auto ins.

Where can I get 1-day motorcycle insurance?

I'm looking for motorcycle insurance for just 1 day to borrow my brothers bike but can't seem to find any online I also don't have the time to phone around asking Insurance companies if they do. Are there any companies that do this?

What can I do when a cap on my tooth is breaking away and I cannot afford insurance and not enough money?

Does Car insurance in Canada discriminate on the basis of sex?

Does Canadian car insurance discriminate based on gender like they do in most U.S. States?

https://www.linkedin.com/pulse/starting-insurance-comanydrivers-require-minimum-4-year-self-maus"

0 notes

gelmanassociates · 7 years ago

Text

Court Finds Severance of Divorce Would Not Result in Disadvantage for Ex-Husband Who Will Lose Health Benefits

/wp-content/uploads/2018/03/steve-johnson-582007-unsplash-min.jpg An Ontario court recently ruled on a motion filed by a wife who wanted to sever her claim for divorce from her claims for collateral remedies. The husband in question opposed the motion, arguing that he would no longer receive medical benefits from the wife’s insurer once they were divorced and wanting all outstanding issues between the parties to be addressed at the same time.

What Happened?

The parties began living together in 1998. They were married three years later and had one child (a son born in 2010). The parties ultimately separated in 2015. They live separate and apart but share parenting of their son on a 50/50 basis. In June 2016, the wife filed for divorce, custody of the son, equalization of net family property, sale of family property, and costs. The parties signed a Separation Agreement settling all outstanding financial issues between them in July 2017. The Agreement released both parties from their spousal support obligations, but provided that:

6.1 Tara and George will maintain their respective medical, extended health and dental coverage through her employment for George and Mitchell for as long as it is available to her for (their benefit)… … 11.6 On Execution of this Agreement, Tara may move to obtain a divorce on an uncontested basis. Either George will withdraw his Answer or Tara will make a motion to have the divorce severed from the corollary issues. This paragraph may be relied upon if Tara needs to bring such a motion. The divorce will proceed on an uncontested basis.

Following the execution of the agreement, the only outstanding issues between the parties were the divorce and parenting matters. The parties attended a Case Conference in December 2017 where they agreed that they would settle the remaining parenting issues through counselling and mediation. The wife requested an order severing her divorce claim, but the husband opposed the request arguing that, once they were divorced, he would no longer be eligible for medical coverage under the wife’s group benefits plan at work. The parties were ordered to exchange information about how a divorce would affect the husband’s coverage under the wife’s insurance benefits, and what costs the husband would incur if he had to obtain comparable coverage for himself.

The Evidence

Both the husband and the wife are employed, part-time, with the same employer and have health benefits for themselves and their son. However, since the wife earns more the value of her benefits coverage is greater than the value of the husband’s benefits coverage and cover medical, dental and travel benefits for the spouses and medical and travel benefits for the son. The husband’s benefits cover some of the son’s dental costs. The wife’s lawyer provided information that once the parties were divorced, the husband would no longer be covered under the wife’s benefits. The lawyer also notified the husband that the wife was prepared to maintain coverage for the won on her benefits, and that the husband would therefore only need to find coverage for himself. The lawyer requested information about the costs of such coverage. The husband failed to provide the requested information. Instead, he wrote an email to the wife pointing out that, per the terms of the Separation Agreement, she was required to maintain his coverage for as long as she herself had coverage. He also noted that he was in the midst of looking for a new job and might not have coverage for the first 3-6 months of new employment. The wife filed her motion in January 2018 requesting severance of her divorce claim, and costs.

The Law

Rule 12(6) of the Family Law Rules states that splitting a divorce from other issues can be ordered if:

Neither spouse will be disadvantaged by the order; and

Reasonable arrangements have been made for the support of any children of the marriage.

“Disadvantaged” was explored in an earlier decision in which a judge noted:

[27] In my view, the word “disadvantaged”, as used in rule 12(6)(a), must mean legal disadvantage that the responding party may suffer if severance is granted. It must mean more than simply allowing the divorce to be withheld or delayed as a form of leverage for other issues that can be pursued separately.

When a court makes a decision about severance, it must specify the particular legal disadvantage that the other party would suffer if the divorce was severed. In another earlier decision, the court granted a wife leave to appeal the severance of her divorce as she would be disentitled to spousal benefits, noting:

The appellant wife is in limbo. She has no spousal benefits and if the husband dies, she will have nothing by way of survivor benefits. She has been denied the interim award she sought and is appealing. The trial of her issue as to corollary relief is yet to be held.

On the subsequent appeal, the Court of Appeal noted that summary judgment for divorce should not be granted where it would result in the other spouse losing benefits such as health insurance coverage prior to the determination of the corollary relief issues. In a previous decision, the court refused leave to appeal from the motion’s judge’s refusal to sever the husband’s claim for divorce. The motions judge gave reasons, with specific reference to Rule 12(6) and identified the particular legal disadvantage that would befall the wife if the severance was granted. Specifically, her entitlement to a share of the husband’s estate would terminate. In that case, the court noted that the judge had placed no weight on the impact that a divorce might have on the wife’s coverage under the husband’s insurance policies and noted that this is a fact-specific exercise:

The weight that the court, in the exercise of its discretion under Rule 12(6), gives to the loss of insurance coverage as a potential disadvantage that the other spouse may suffer as a result of the early severing of the claim for divorce depends on the evidence in the particular case.

The Decision

The court noted that, in the case at hand, since the husband had waived his claim to spousal support in the Separation Agreement, the only collateral issue that remained outstanding was the husband’s claim for child support. The court went on to say that severance of the divorce would not cause a legal disadvantage to the husband with respect to that claim because the wife had consented to an order that required her to maintain medical and dental coverage for the son and to pay for any such expenses not covered by her insurance. The court recognized that a divorce would result in the husband losing coverage under the wife’s benefits. However, while this would result in a financial loss for the husband, the court noted that “this is not the type of disadvantage that Rule 12(6) is intended to prevent. Delaying a divorce would only be legally justified be in a situation where allowing the divorce claim to be dealt with earlier than the other issues would negatively impact the husband’s claim for other remedies or would impact an order requiring the wife to contribute to the son’s expenses. In such instance, fairness would require all claims to be addressed at the same time. In the particular circumstances, however, the severance of the divorce claim would not result in any legal disadvantage to the husband and must be granted. At Gelman & Associates, our experienced divorce lawyers strive to provide clients with the information they require to make educated decisions about the end of their marriage. In addition to the extensive web-based resources we make available, all prospective clients are given a comprehensive family law kit during their initial consultation, with ample information and resources to help them understand and navigate the separation and divorce process. Call us at (416) 736-0200 or 1-844-736-0200 or contact us online for an initial consultation. Full Article: https://lisagelman.com/divorce/court-finds-severance-divorce-not-result-disadvantage-ex-husband-will-lose-health-benefits/

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Looking to Diversify and Get Consistent Dividends? 2 Possibilities

Investors might have much of their wealth in various stocks and assorted mutual funds, but this doesn’t mean they’re really diversified. Plenty of investors think they’ve diversified their holdings when, in reality, they haven’t. These investors are often only diversified in a single asset class, such as domestic or international equity.

SEE ALSO: How to Strike It Rich: Investing in Real Estate

As we saw in 2008, having too much wealth in a single asset class can lead to major losses during a market downturn since all of the investor’s proverbial eggs are in one basket. Too many investors find out too late that their holdings simply aren’t as diversified as they thought.

Avoiding Stock Volatility Can Pay Dividends

To avoid this, investors should consider tweaking their retirement plans to incorporate different diversification strategies as they look to fund their retirements. Investors who are looking to avoid the more volatile sectors, which is certainly not a bad strategy as they approach retirement or have already retired, may want to consider asset sectors that are not correlated with the stock market.

There are plenty of investment opportunities off the beaten path, and some of them produce dividends. If investors choose to go this route, they could find a generally reliable source of dividend-producing investments with privately held companies. Contrary to some commonly held beliefs, there are plenty of investment opportunities in private offerings that provide dividends while helping cautious investors avoid the volatility of the stock market.

One Choice: Multifamily Real Estate Companies

Take investing in multifamily real estate companies, for example. This sector continues to see solid growth across the country, which may be because Baby Boomers and Millennials increasingly are choosing apartments and resort-style options for their living needs. There are plenty of reasons for the continued growth in this sector. As they start their careers with a flurry of job hopping, including changing locations if needed, Millennials want the freedom to go where they want, when they want. They certainly don’t want to be tied down with a mortgage, and so they avoid buying homes. All of this makes Millennials good customers for multifamily housing.

On the other end of the spectrum, with their mortgages paid off and retirement either a reality or just around the corner, many Baby Boomers now prefer the conveniences of pools, dog parks, fitness centers and the other perks that are increasingly common in multifamily complexes. Plenty of older Americans are finding that to be a better option than homeownership.

With more Americans preferring living in apartment communities, multifamily real estate continues to be resilient for investors. Many privately held companies operating in this sector continue to offer dividends. Investors looking for opportunities that can provide security and dividends may want to take advantage of this sector’s continued growth.

Another Option: Storage Companies

Storage companies also remain a good opportunity for many investors who prefer less volatile options while still wanting dividends. Even in the worst of economic downturns, privately held storage companies have proved resilient. As we saw in the 2008 downturn, people are far more likely to pay their storage bills than their mortgages. It’s a far less costly expense and one that’s more likely to be paid. Simply put, people always want their belongings to be secure. With a constant base of customers and generally little in the way of overhead, storage companies, many of which are privately held, continue to grow and show no signs of going away no matter how the stock market is doing. Many storage companies provide investors dividends on a consistent basis. Like multifamily housing, privately held storage companies are a generally safe but often profitable investment.

Private offerings also offer investment opportunities in other sectors: health care, data and even energy, for example. Several companies in these areas have established track records in recent years in providing dividends to investors. While they often provide stability, these kind of investments provide a good chance for growth — many of them offering distributions or dividends of 5% to 8% — which investors can use to accumulate funds for years to come.

For the most part, these privately offered dividend-focused investments are in sectors that are more conservatively managed. There isn’t as much volatility in some of these areas as there is in stocks and other investments tied to the global economy. When there’s a Brexit or another overseas issue, many domestic, privately held investments, such as storage, simply aren’t affected as much.

For investors who want to find a consistent source of dividends without encountering high volatility, these kinds of privately held investments often provide an excellent option. Investors planning to diversify their holdings should, at the very least, consider them.

See Also: The 10 Best Dividend-Paying Stocks for 2017

Kevin Derby contributed to this article.

The article and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your accountant, tax or legal advisor with regard to your individual situation. Kalos Capital, Inc. does not provide tax or legal advice. The opinions and views expressed here are for informational purposes only. Please consult with your tax and/or legal advisor for such guidance. The opinions in the preceding commentary are as of the date of publication and are subject to change. Information has been obtained from third-party sources we consider reliable, but we do not guarantee the facts cited are accurate or complete. This material is not intended to be relied upon as a forecast or investment advice regarding a particular investment or the markets in general, nor is it intended to predict or depict performance of any investment. We may execute transactions in securities that may not be consistent with the report’s conclusions. Investors should consult their financial advisor on the strategy best for them. Past performance is no guarantee of future results.

Cornerstone Wealth Management offers securities through Kalos Capital, Inc., and investment advisory services through Kalos Management, Inc., both at 11525 Park Woods Circle, Alpharetta, GA 30005, 678-356-1100. Cornerstone Wealth Management is not an affiliate or subsidiary of Kalos Capital, Inc. or Kalos Management, Inc.

Real Estate Investment Trusts are a longer-term illiquid investment and may not be suitable for all investors. Vacancies can negatively impact income and capital gains potential. Investments in real estate may be affected by adverse economic conditions and regulatory changes. Distributions are not guaranteed. Due to the risks involved in the ownership of real estate, there is no guarantee of any return on your investment, and you may lose all or a portion of your investment. This is neither an offer nor a solicitation to purchase any products, which may be done only with a current prospectus. Investors should consider their investment objectives and risks, along with the product’s charges and expenses before investing. Please read the prospectus carefully before investing.

Jammie Avila is the managing partner/co-founder of Cornerstone Wealth Management in Las Vegas and Henderson, Nevada. Jammie has passed the Series 7 and 63 exams and is licensed to sell insurance products. Jammie and his wife, Danielle, have four children.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff.

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