#like do i feel safe? no. but id rather risk it and keep their financial support and the car for as long as possible

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argentdandelion · 5 years ago

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Things Anti-Monster Politicians Could Do (Mild)

(Mild) → (Moderate) → (Severe)→ (Extremely Angsty)

Note: This series assumes Mt. Ebott is in the U.S., based on Vegetoid’s description: “Not monitored by the USDA”. This presumably stands for the United States Department of Agriculture. However, most of the article would apply if Mt. Ebott were in other countries, too.

The anti-monster politician would ignore or dismiss monsters’ specific bodily or cultural needs, or make it inconvenient for them to fulfill particular needs. Loopholes, alternatives and workarounds to the policies are obvious, but discouraged or inconvenient.

Tactic 1: Gyftmas is Not Valid

Tactic 2: No Magic Lessons

On a slightly stronger note, anti-monster politicians (AMPs) could, rather than creating species-segregated schools, strategically adjust school rules and requirements.

AMPs (school superintendents, principals) could ban bullet patterns inside a school. In principle, this makes sense: humans could get hurt, and for particularly crowded schools, a lot of humans could get hurt at once. The AMPs could (at risk to sounding reasonable) ban bullet patterns on school grounds, so monsters can’t even do it at recess or shortly after being released from school.

School superintendents could make curriculum options that conspicuously omit magic-expression, even as an extracurricular. One plausible-sounding excuse for why they wouldn’t teach magic is due to a school being majority-human (but still close to Mt. Ebott), and humans being unable to use magic or find it as appealing or useful as monsters.

Even without specific regulations, AMPs could influence hiring decisions for human-only/human-dominant schools so they just happen to never hire magic-expression teachers, or block attempts to teach magic-expression because “it’s not part of the curriculum”. They could even block merging magic-expression lessons into art or communication classes. Alternatively, AMPs could mandate only monster-specific/monster-dominant schools need to teach magic expression, or specifically block all but monster schools from teaching it.

In total, these regulations wouldn’t endanger monsters, but only give them a sub-par species-specific education if they attend human-dominant schools. They could find workarounds, such as tutors, separate schools or parents teaching them, but it would be inconvenient.

Tactic 3: No Monster Food in Cafeterias

AMPs could suggest “accommodating monsters with magic food” (e.g, cafes, school cafeterias) is financially onerous for businesses, making monster food availability lower. They could also disguise not supplying monster food as personally not liking the cuisine or considering it unappealing to kids. After all, Chinese food is just more of a crowd-pleaser than, say, Lebanese food. Still, this would be absurd since monster food largely mimics common American foods.

Not supplying monster food would be extra inconvenient in cafeterias, because children have less of a choice in what schools or businesses they attend or work for than what cafes they visit. Even without official policies or justifications, AMPs could simply not supply any monster food, ever, in cafeterias. It would be very suspect because some schools do import food outside typical catering, and monster food would likely be healthier, tastier, or cheaper than human food. This is especially true when serving normal food a small percentage of humans are allergic to, but monster food is “made of magic” and might not contain allergens at all.

Since monsters apparently need to defecate if they eat physical food, AMPs could make this worse by forbidding them from entering student/employee bathrooms. Some possible excuses are: “so many unsupervised students/employees in one place could kill them”, or “we aren’t sure if our toilets can handle your waste”, or “monsters defecating is gross”, or “since you’re an “it” or “they”, you can’t go to the girls’ bathrooms or boys’ bathrooms) But, AMPs could suspiciously never supply a single toilet for monsters in the whole building to address the “waste” concerns, despite the existence of handicapped bathrooms/specific stalls that also serve a tiny minority. AMPs could also discourage, if not outright forbid, them from using the single-stall teachers’ bathrooms as a workaround.

Now, to make this even worse, AMPs could suggest, without any basis, that monster food is nutritionally inferior or reacts poorly with the human body. They could then use that to discredit monster-run food shops. (a la monosodium glutamate and anti-Chinese xenophobia) They could even fabricate or fudge the results for a study on monster food’s effect on humans, then use the fake results to support banning monster food from restaurants. While monsters can still eat physical food, shifting their diet to have drastically more physical food at once will surely lead to mass digestive troubles and possibly nutritional problems. (It would also sabotage humans, since monster food could be really handy in some situations.)

Tactic 4: No Body Accommodations

Taller monsters, such as Asgore, need bigger models of cars to safely fit in cars and/or comfortably drive. Smaller cars are generally more fuel-efficient, and harm pedestrians less in case of a collision. So, AMPs could make suspiciously-timed subsidies for smaller cars, outright ban big cars from cities or parking garages, or have buyback programs for bigger (and potentially monster-suitable) cars.

The AMPs could also suggest physical accommodations of any sort (e.g., entry ramps for legless monsters) would be expensive and useless. However, his particular tactic would probably cause humans with impaired mobility to team up with monsters, since they also need or greatly benefit from similar ramps. Indeed, this is classified as “mild” partly because the tactic could anger or greatly inconvenience humans, and so nudge them into making political alliances with monsters.

Workarounds

Workarounds for No Magic Lessons

Workaround 1. Gerson is hired to teach (human) history. AMPs figure he’s just teaching (human) history, and on the face of it he’d be a good history teacher. But Gerson just happens to make asides on monster history when it parallels human issues, and just happens to give demonstrations of bullet patterns in monster history, or re-creates artistic patterns throughout human history using his own bullets.

Workaround 2. A monster P.E. teacher (e.g., Undyne) notices the rule says “students can’t use bullet patterns inside school/on school grounds”. The monster demonstrates bullet patterns for the students to actually practice later. Better yet, the monster P.E. teacher takes one step outside the school’s legal property (e.g., a surrounding field, in the parking lot, on the roof), shows off bullet patterns, and has students take turns stepping just outside official school property to demonstrate. The monster teaches them how to express bullet patterns in an athletic way to justify it being part of athletic curriculum. Or, the monster realizes it’s still legal for P.E. teachers to play dodgeball with students (which can hurt), and so does “magic ball” instead, controlling bullet damage so it does exactly as much damage as getting hit by a dodgeball. (The monster P.E. teacher could probably say, “Frisk survived because they were so good at dodging! Knowing how to dodge magic attacks will keep humans safe in human-monster conflict!”)

Workaround 3. One reason/excuse for not teaching magic at a majority human school is the fact humans can’t use magic, and it not being important in human society. However, a function on Frisk’s monster-made cell phone changed their SOUL to Yellow mode, allowing them to emit bullets like a monster. (if in a very simplified fashion) Monsters providing SOUL mode technology or magical objects that emit bullets means humans wouldn’t feel left out in magic expression classes. Furthermore, of course human children would want to learn how to use magic in some way, even if it took years of practice. If humans with yellow SOULs can naturally emit bullets, that would cause an even greater faux pas to AMPs. People would probably argue they’d want to cultivate their abilities, and not providing magic lessons even as an extracurricular is discriminatory to Yellow SOULs.

Workaround 4. Humans can, in fact, use magic after monsters return to the Surface, and monsters teach them how to use magic.1 The fun and utility of humans knowing how to use magic encourages human-monster integration. While Tactic 2 suggests magic classes are of little to no use in purely human/human-dominant schools, the school with one or multiple magic classes in GlitchTale seems to be human-dominant.

Workarounds for No Monster Food at Cafeterias

Workaround 1: Monster students just bring bagged lunches. Alternatively, for teenagers allowed to go off-grounds for lunch, there could be a monster restaurant for cheap that’s very close to the school.

Workaround 2: Internet personalities who specialize in recording eating food or visiting restaurants make a point of eating monster food. They could even repeatedly swear or say really funny things to make the videos super-popular.

Workaround 3: Monster food-engineers supply magic-food equivalents to common allergen-containing foods, like oysters or peanut butter, allowing allergic people to taste what they’ve been missing out on and feel “normal”. The video would be highly “wholesome” and saccharine in a way that would make it super-popular, like unexpected puppies.

Workaround 4: An actual Chinese restaurateur makes a satirical video comparing monster food xenophobia to historic Chinese-food xenophobia.

Workaround 5: The fact monster food converts to energy (presumably upon being swallowed) heals HP (presumably minor injuries, in non-video-game terms), and probably doesn't contribute to weight gain 2 means it would be popular among humans, who might pack some monster food in their school lunches. Monster food's popularity and convenience among humans would just highlight AMPs' absurd monster-food restriction.

Made with the help of Batter-Sempai, CinnamonAzzy and Ihasafandom.

If you enjoyed this post, you may be interested in the author's Patreon and Ko-Fi.

Related Works Chara's Stomach Rumbles (a possible side effect of eating only monster food) The Perils of an All-Monster Food Diet (More detail on problems with eating entirely monster food. Still doesn't justify banning monster food from cafeterias, however) Undertale Character Heights (listed chronologically. Part 2 to 4 covers how human-designed objects and buildings are ill-suited for extra-wide or tall monsters)

The fan works GlitchTale (Season 2) and Endertale feature this. In GlitchTale, humans regain use of magic very quickly, suggesting they've kept theoretical knowledge on it, even if they couldn't actually use it. In Endertale, Frisk learns magic over three years. ↩︎

In the fanfiction Long Road (specifically Chapter 4), monster food is popular among humans for similar reasons. ↩︎

#Undertale #Post-Pacifist #Meta #Analysis #Things Anti-Monster Politicians Could Do

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decordwertge1976 · 4 years ago

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brentrogers · 4 years ago

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Building a Therapeutic Alliance with a Dreamer: Trials and Tribulations of an Undocumented Immigrant

This is not a love story. This is a story that talks about sensitivity, vulnerability and understanding of being with someone who is or was once undocumented. The life of undocumented immigrants who grew up in the United States, also known as the 1.5 generation, can be very difficult and confusing.

As a mental health practitioner and researcher, I was invited to join a panel to address mental health issues for this specific undocumented immigrant college student’s community. I formulated a support group, where the students shared their stories about love and vulnerability. I would like to share the story of a girl who immigrated from Nigeria when she was seven years old and her life trajectory as influenced by her undocumented status.

As an undocumented child, she was told to never reveal her immigration status to anyone, including her teachers and peers. At the playgrounds, she remained cautious when forming new bonds with peers. She learned to manipulate and deflect conversations away from topics that might reveal this vulnerable identity. The only time she could talk about this topic, was at home, with her mother and her brother. They were her only protection, but also her deepest fear of abandonment — as she knew that she can be separated from them at any time.

Shame and Guilt

She related an incident in her senior year of high school, when she asked a boy, a friend who she liked and built a relationship with through her freshman and sophomore year of high school, to help her with her financial aid application for college. He jokingly questioned her immigration status, “You don’t have papers?” All her fears immediately came to light. Triggered, she abruptly left the room to go home and cry in her mother’s lap.

Upon her return, her friend had apologized, but she kept him at bay, choosing not to give him any opportunity to exploit her fear of feeling powerless, deceived and abandoned by him. She did not give this relationship another chance and denigrated all her relationships whenever she felt the same comfort as she did with this one friend. A pattern started to emerge, where she could not maintain friendships as simple interpersonal conflicts resulted in an intense provocation of anxiety and rage. Understand her struggle.

Trigger

After she graduated high school, she started community college. As the semester wrapped up, one of her classmates, who she liked, invited her to come drinking at a local jazz bar, as it was the last day of class for the semester. As she stood in line with the rest of the people to enter the bar, she was denied entry because she did not have a legal form of state ID. This minor rejection evoked the past experience of feeling abandoned and ashamed. She remained frozen, while her classmate nudged her to capture her attention. As she looked around, she could not hear what her classmate was saying, she pushed him aside and left for home. Recalling the incident, she reflected, “I felt like there was a ball stuck in my throat, I couldn’t speak… as soon as I snapped out of it, I left and walked home, which is 5 miles away… I didn’t even have the capacity to think of taking the train.”

When she went home, she told her family what happened. They listened to her and poured her a glass of wine, to recreate this celebration at home, for the end of the semester. Helpless yet safe, she wondered if anyone would understand her struggle.

Abuse

For her, family was always safe. Until her mother married a man with legal status — for love and to possibly legalize their immigration status in the future. Not realizing that this person was an outsider, she showed similar attachment to him as she did for her brother and mother. She said, “I was so happy to know there is one more person in my life who would understand me, I took my safety at home for granted and dropped my guard as I though he was a part of the family.”

Her mother was the authority figure and now there was a new authority figure, a caretaker who she could idealize and hope to share her struggle with. However, as she vented to him, he would make sexual advances. She would again dissociate, not fully conscious of her surroundings and unable to fathom the severity of the situation, she was molested. When she told her mother and brother about the incident, the stepfather threatened them with deportation by calling Immigration and Custom Enforcement on them. The very next day, in the midst of night, the family ran away from home, leaving everything behind to take shelter at a church, later settling in a smaller town, away from this dangerous person.

After sharing this story, she added, “I wondered if this would keep happening to me, will I always end up putting myself in similar humiliating situations?” She seemed to have blamed herself for the abuse she experienced, rather than seeing herself as the innocent victim.

“No one understand me,” she told me. “You will never understand me.”

“It’s true,” I said. “I will never understand your pain… no one will understand your pain.”

She interrupted me and said, “Thank you for saying that… it feels so good to hear that… everyone always acted like they understood me… even when they didn’t and that hurts so much!”

Intimacy

Eventually, she returned to her college, taking a semester off to recuperate. She wanted to reconnect with her old friends and make ones. Except, she had difficulty with intimacy and the relationships became fragmented. One mistake and she would accuse her friends of neglect and abandonment.

After talking about several broken friendship incidents, she would say, “I don’t even know what trust is anymore… I don’t know who to trust.”

I would respond, “It takes time to build trust, especially after everything you have been through… you will know when you feel safe in a friendship.”

From a clinical lens, I knew she was showing symptoms of hyperarousal, flashback and dissociation, that prevented her from forming healthy intimate relationships.

Destitute

Over time, she knew her current maladaptive reactions to her friendships were preventing her from establishing healthy and secure relationships. She started journaling and reflecting on her relationships, only to realize the importance of forming new experiences without prematurely sabotaging them in order to prevent the possibility of any emotional hurt. As a result, she only engaged in some casual relationships, only to find a pattern of entering relationships that she knows will never turn into anything serious or long term. Upon further reflection, she recognized her vulnerability to exposing herself to risk of repeated victimization, especially in intimate relationships.

Boundaries

After attaining her associated degree, she gave another shot to a serious relationship. Six months into the relationship, her partner wanted to go on vacation to Cancun together. He invited her to come with him, only to be reminded that she was undocumented, and she cannot travel out of the country. So they decide to go local and take a trip to Florida.

Over time, however, the limitations turned into resentment and the relationship fell apart. Instead of seeing this as a failure, she recognized it as a renewed sense of control. In other words, at least, she knew to end the relationship as her partner did not have the capacity to support her in her survival of her marginalized identity. There was a new sense of autonomy and empowerment. She would define this as the ability to form relationships that were based on her wants and not her needs.

Hope

In 2015, she became eligible for Deferred Action for Childhood Arrivals (DACA), which prevented her from being deported and gave her accessibility to health insurance. With psychotherapy and psychiatric support, she discovered that her symptoms were like symptoms of complex post-traumatic stress disorder. When she was alone, intrusive thoughts of physical and emotional abuse came flooding in, limiting her ability to be present in the moment and causing her to dissociate. And, when she was questioned about anything associated with her immigration status, she became defensive and everything was perceived as a threat or her enemy.

Even as a temporarily documented person, she had difficulty letting go of these various survival traits. If she felt like she was not in control of something, she ran away from those scenarios, including friendships and intimate relationships. The outcome was isolation and alienation, which manifested as depression and anxiety.

Compassion

She is one of the fortunate survivors of such severe hardship that comes along with the identity of being a 1.5 generation undocumented immigrant. Her story bears one conclusion: being undocumented and the hardship associated with such status, can manifest as a form of complex post-traumatic stress disorder.

She is your co-worker, neighbor and classmate. This article is a reminder to be compassionate towards your peers, even if you do not know about their immigration status. Be sensitive and understanding of the hardships associated with immigration status. More importantly, advocate for the undocumented immigrants to have access to mental health care.

Building a Therapeutic Alliance with a Dreamer: Trials and Tribulations of an Undocumented Immigrant syndicated from

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whorchataaa · 4 years ago

Text

Building a Therapeutic Alliance with a Dreamer: Trials and Tribulations of an Undocumented Immigrant

Shame and Guilt

Trigger

Abuse

“No one understand me,” she told me. “You will never understand me.”

“It’s true,” I said. “I will never understand your pain… no one will understand your pain.”

She interrupted me and said, “Thank you for saying that… it feels so good to hear that… everyone always acted like they understood me… even when they didn’t and that hurts so much!”

Intimacy

After talking about several broken friendship incidents, she would say, “I don’t even know what trust is anymore… I don’t know who to trust.”

I would respond, “It takes time to build trust, especially after everything you have been through… you will know when you feel safe in a friendship.”

From a clinical lens, I knew she was showing symptoms of hyperarousal, flashback and dissociation, that prevented her from forming healthy intimate relationships.

Destitute

Boundaries

Hope

Compassion

from https://ift.tt/2NZaTBr Check out https://peterlegyel.wordpress.com/

0 notes

ashley-unicorn · 4 years ago

Text

Building a Therapeutic Alliance with a Dreamer: Trials and Tribulations of an Undocumented Immigrant

Shame and Guilt

Trigger

Abuse

“No one understand me,” she told me. “You will never understand me.”

“It’s true,” I said. “I will never understand your pain… no one will understand your pain.”

She interrupted me and said, “Thank you for saying that… it feels so good to hear that… everyone always acted like they understood me… even when they didn’t and that hurts so much!”

Intimacy

After talking about several broken friendship incidents, she would say, “I don’t even know what trust is anymore… I don’t know who to trust.”

I would respond, “It takes time to build trust, especially after everything you have been through… you will know when you feel safe in a friendship.”

From a clinical lens, I knew she was showing symptoms of hyperarousal, flashback and dissociation, that prevented her from forming healthy intimate relationships.

Destitute

Boundaries

Hope

Compassion

from https://ift.tt/2NZaTBr Check out https://daniejadkins.wordpress.com/

0 notes

dipulb3 · 5 years ago

Text

How vacation travel has been impacted post-COVID

New Post has been published on https://appradab.com/how-vacation-travel-has-been-impacted-post-covid-2/

How vacation travel has been impacted post-COVID

The COVID-19 pandemic has changed pretty much every aspect of our lives. From our workplaces to our financial situations to our freedoms, there’s truly nothing left of what we used to call “normal.” Over 40 million Americans have filed for unemployment in this crisis – that’s a serious shift.

With this unprecedented time upon us, one thing that absolutely nobody is doing right now is taking a vacation. It’s just not a viable option. Many countries have closed their borders, imposed a fourteen-day isolation period on arrival, and most hotels, resorts, bars and beaches are closed.

If you were to take a vacation, there wouldn’t be many places you could go. Everyone��s home right now, and for the time being, that’s the safest place possible.

Frustrations With Travel

Many people are increasingly frustrated because their well-planned, much-anticipated travel plans have been canceled indefinitely. Although it’s legally required that people receive their money back, many travel companies are attempting to persuade holiday-goers into a voucher, rather than a cash refund. Whatever your situation, if you planned to travel this summer, it’s likely that it isn’t happening anymore.

But of course, this is going to come to an end sometime. Whenever that time comes, the time when we can go to our favorite destinations and feel safe doing so, millions of people will be taking that opportunity. The idea of being on a beach, your toes in the sand, chilling out with a cocktail might sound like living the dream when you’re stuck at home. Traveling for vacations, though, might look different post-COVID. Although we’re all desperate to get away, here are some ways we might consider traveling differently in the future.

Flying Might Not Be So Easy

Even before coronavirus, being in a packed plane with total strangers for hours on end didn’t feel fun to most people. We all know that taking a plane was risky if you didn’t want to get a common cold. The air conditioning circulating around the plane makes it very easy to pass germs.

Many budget airlines do not thoroughly clean their planes between passengers. We all know that feeling of sitting in a crowded airport, sometimes even sitting on the floor, waiting for delays. The hygiene of flying leaves a lot to be desired.

Imagining yourself sitting in tight quarters with unmasked strangers might send shudders down your spine. After this deadly virus that scares everyone on a very serious level, flying might become something even more frightening. Many people will try to opt for different ways to travel to their vacations; this might even mean only taking vacations that are closer to home than usual.

Here are some great alternative solutions to flying which can keep you safer than a plane!

Roadtrip!

Yeah, that old chestnut. Everyone loves a road trip. Piling the family into a camper van, singing along to your favorite songs, and stopping at motels for the night. All good memories from childhood, right?

Well, the retro way of traveling might be making a comeback. It may sound like a nightmare, in our modern world. How on earth can you pack your life into your family car and drive hundreds of miles without going insane? Well, there are tried and true ways.

Companies such as TCS Upfitting, found at https://tcsupfitting.com/truck-accessories/, can help you transform your car into a cargo machine. Adding a tow bar, a luggage rack, or whatever else you need to lug your family around on vacation has never been easier. You’ll save money on flights, you’ll have fun on the road, and most importantly of all, you’ll be safer from germs.

Taking the train

In Europe, this is already a very common way to travel. A pastime called ‘Interrailing’, which involves taking long, scenic train journeys between cities and countries instead of flying, is common among young backpackers. But this doesn’t have to be a hippie, backpacker hobby. Taking long train journeys could sound pretty dull, but the scenery across the world is best seen by train. Plus, the environmental differences between ground and air travel are huge. COVID-19 has changed the world in many negative ways, but the silver lining of this awful virus is that the earth is breathing again.

If you want to fly, aim to reduce it

Of course, there’s nothing wrong with taking a hard-earned vacation. But after coronavirus, everyone will be reconsidering how they travel, and the ways flying takes its toll on your health and wellbeing. Instead of multiple flights per year, taking even one vacation per year which requires flying reduces your risks.

A Pause In Activity

OK, so you’re on vacation. You’ve traveled there, in whatever way, and now you’re wondering: have the rules changed? What can’t I do now?

Depending on the country you visit, even when resorts have reopened and vacations resume, there may still be restrictions on your activities. For example, swimming pools might have tighter restrictions on the number of users at once. Dining areas of hotels or resorts might be further spaced out.

Some vacation activities might not be happening altogether, like packed boat trips. Other parts of the country you’re visiting could have a tourist ban, such as local food markets belonging to smaller villages. Of course, none of us truly know how the landscape of tourism will look after this virus. However, the impact has been so huge and widespread. It will change the way we travel for a very long time to come.

There’s Always A Silver Lining

Although coronavirus ruined so many things, there’s always a silver lining to the devastation. It takes a lot to see the good in the world nowadays, but if you look carefully, it’s there!

Since the coronavirus outbreak, travel has largely halted across the world. A recent article from National Geographic said:

In India, where air pollution is among the world’s worst, “people are reporting seeing the Himalayas for the first time from where they live,” Lauri Myllyvirta, lead analyst at the Helsinki-based Centre for Research on Energy and Clean Air, said.

All over the world, people are reporting clearer views from their homes, as the lack of planes in the sky causes pollution levels to plummet. The article explains that taking in pollution particles actually worsens somebody’s chances of getting COVID-19, as it says:

If you’re getting COVID, and you have been breathing polluted air, it’s really putting gasoline on a fire,’ in a statement from a doctor.

These words resonate with many city dwellers who live in fear of becoming infected.

The lack of pollution, therefore, doesn’t just benefit the planet’s habitats and overall health but actually can reduce your risks of becoming infected with COVID-19. The silver lining of this terrifying lockdown period has meant that when we return to the world, we will be returning to something much cleaner and healthier than before.

Be Conscious of Future Travel

When future travel does happen, then, it’s important to be conscious. Returning to the world is something we’re all desperate for, but when we return, it’s essential we don’t simply return to old habits. Our freedoms which we took for granted are now things we will always appreciate; playing sports, hugging our friends and family, and assuming we will not be hurt by an invisible disease, for example. Let’s extend that gratitude to the world, and our ability to travel, and take the responsibility that comes with it seriously.

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mikemortgage · 6 years ago

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‘I’ve seen people cleaned out’: Divorce later in life comes with its own special set of problems

Divorce at any age can be emotionally and financially taxing, but for those above the age of 50 and especially for retirees, the stakes can be even higher.

Such so-called “grey divorces” have been on the rise for decades in Canada, and as the baby boomer generation ages, they are only becoming more common.

While statistics Canada doesn’t record current data on age-based divorce rates, the median age for divorce rose between 1991 to 2008: for men it jumped from 38.3 to 44 years, women jumped from 35.7 to 41 years.

Toronto-based Shulman Law Firm spoke to the Post recently about their own internal data, which they say bears out the change.

Solo retirement is on the rise — here’s how you can mitigate the risks

If you think retirement will change your spousal support obligations, you might want to think again

‘You should do it right’: More couples are signing postnuptial agreements despite being on shakier ground

A decade ago, about 10 per cent of their clients were 50 and older. But the firm now says the demographic “constitutes approximately 40 per cent” of their clientele. Interestingly, the age group of 60 and older saw the most significant change, nearly doubling over the past 10 years — although it still remains the minority of cases at the firm.

Getting divorced later in life poses problems that other age groups frequently do not experience. Older couples who split up have often been married for longer periods, which means there can be more assets and liabilities to sort through, complicating the process.

Limitations on future earning potential, especially for those in their 60s and 70s are also a challenge.

“The concern I always have when I’m dealing with a woman or a man in their late 60s (is) they don’t get another chance. They don’t get another career in which to make money,” said Mary Jane Binks, of Ottawa-based Augustine Bater Binks LLP.

With so much at stake from a personal finance perspective, here are some things those who are going through a divorce later in life should keep in mind:

Everything is on the table

While most people know that major assets such as the marital home will be divided, other assets that build up over the course of a marriage are also in play.

“Often the biggest asset in the family is someone’s pension. It’s not the house, It’s the pension,” said Greg Evans of Winnipeg-based Evans Family Law. “Baby boomers tend to have really good pensions.”

The realization that it can be divided can be a tough pill to swallow, according to Diane Isaac, a family lawyer at Shulman Law.

“With married couples because they thought, ‘This is something I’ve worked for, why are they getting half of this?’ and we obviously have to explain that as a result of the marital dissolution by divorce, all this is subject to division,” Isaac said.

Similar to a pension, both parties also need to share their liabilities. If one person had debt that wasn’t disclosed in the marriage — for example if they had a gambling problem — or spent money that was meant to be saved, all of a sudden it becomes a problem for both people.

Secondary properties, such as a family cottage, can also be up for division as well. Even an heirloom cottage that was handed down through the generations on one side of the family is often treated as a shared recreation property when the time comes to divide assets.

There is an emotional toll

While all divorces are entangled in emotions, grey divorcees tend to come following marriages that have lasted for long periods of time.

“We use counsellors to help people deal with their emotional stuff,” said Evans, who says the majority of cases he deals with are grey divorces. “(If) you’re disappointed or upset, or you’re feeling a betrayal perhaps in some situation (it) can cloud the way that you approach the financial issues.”

A grey divorce can take a huge emotional toll because they tend to come after long relationships.

In Canada, it does not matter whether one partner’s conduct was more to blame for the breakdown of the marriage when it comes to splitting assets.

“Because we have no fault divorce in Canada, whether or not my spouse cheated on me doesn’t change the way property is divided,” he explained.

Evans said that bringing a couple’s children into the process only adds to the potential emotional toll, even if the children are in their 30s or 40s.

“I think people forget that they’re still their children,” he said.

It doesn’t hurt to be prepared

Obviously no one plans to get a divorce when they’re getting married. But getting a marriage contract can prepare individuals just in case they end up in a messy separation situation. If someone inherits money from their parents as a gift, but would like to keep that money from entering the marriage, they can include that in a marriage contract as not belonging to their spouse.

“Well I’ve seen some people unfortunately in their 60s and 70s left with very little after a bad relationship, I’ve seen people cleaned out. And it’s a shame, if they don’t have a contract that protects their interests it can be very dicey,” said Binks.

“Let’s say your husband had a gambling habit and has gone through the family assets, what do you do when you’re 72 or 73? There’s very little to be done. The time to protect yourself is upfront. The financial ramifications of marriage or cohabitation are extremely important.”

Getting a marriage contract can prepare individuals just in case they end up in a messy separation situation.

Entering a second marriage, a contract can be essential. If there are children from a first marriage, it might be important to make sure that the money kept aside for the children (for school, or a home) is kept safely on the side for them, rather than being shared between both parties.

“People have asked me at what juncture do you ask this? Obviously not on the first date,” said Isaac. “But I think that it you’re candid and you know this person is the person you would like to spend your life with and you intend on moving in with this person and becomes very serious I think you should have that preliminary discussion.”

There are some ways to reduce the costs

Once a couple reaches a state where their marriage cannot be saved, there are still things that can be done to minimize the pain and costs of a divorce.

While collecting decades worth of financial documents accrued throughout a marriage can be tough, being organized and open with everyone involved can save money. When couples can give the lawyers all the information they need up front, and make decisions on their own without fighting in court, it’s even better for their wallets.

“There are some people who have no idea what they have, or they let the other spouse control this,” Isaac said. “There are some people who don’t even know what their spouse earns. But I think the more you organize your own information, A) it’s more cost effective and B) It helps to strategize how we’re going to move forward.”

Rates can also change depending where a couple lives. Focusing efforts to stay out of court is also helpful, because hiring a lawyer can cost anywhere from several hundred to hundreds of thousands of dollars. When couples are retired and have no new income, that can represent a major difference in their future quality of life.

With files from Postmedia

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captain-spookycandycollecti-blog · 7 years ago

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I turn 16 in February and I want to know about how much I'm going to be paying for my car insurance. I'm going to be under my Dad's plan with State Farm. I'm male and my GPA is over a 4.0. I'm going to be driving a 2001 Dodge RAM 1500. I don't know if anyone can give me an exact cost but I justed wanted to know a range.

Car insurance question?

I just turned 16 and got my driving permit. I would be using my grandmothers car and she has erie insurance. My question is.. Am I allowed to practice driving on the car even without getting insurance? She insists that I'm not allowed to unless I get insurance but everyone else I know does it without. She thinks that I am going to get in a crash because I can't keep my room clean. (wtf?)

How would my insurance company know this if I don't tell them?

I am getting ready to buy a home (Already selected, move in will be next week) and I own a German Shepard. I am currently shopping for homeowners insurance, and I know that many companies will not insure you if you have an aggressive breed of dog, and the ones that do will give you higher rates because of it. So I was wondering, what reason do I have to tell them that I have an aggressive breed? When they come to inspect the home, my friend down the street can watch my dog for a few hours. If I were to just leave out the fact that I have an aggressive breed so my rates will stay low, how would the insurance company ever be the wiser? PS: This IS a repost. Last time I asked everyone said Well it's misrepresentation and if you have ever have to make a claim, then they can deny you because you lied about the dog. Yes I understand what the consequences would be, that wasn't the question. My question is HOW could they ever find out in the first place? If I have to make a claim for say, a fire, then I could have someone take my dog for a few hours again and make the claim without having any reason to mention the dog? So how would they ever know?""

Can I still use my provisional car insurance?

I passed my test today, but my mum won't let me alter my insurance because she says I can still use my provisional insurance, as long as I have somebody in the car with me and don't go on motor ways . Is this true, or do I need new insurance?""

Car insurance please someone help me!?

I need to get a drivers abstract for this job I'm applying for....I have a speeding ticket which took 3 demerit points, but I'm pretty sure my insurance company hasn't found out....this was about a year and abit ago and my insurance company told me when renewing my insurance that its clean......if I get this drivers abstract will they find out and want to charge me more? And do companies really care about a speeding ticket 16km/h over?""

Does a full license reduce insurance premiums over a provisional license(NOT learners permit)?

In my state and probably many others now as well, there are three License tiers: Learners Permit, Provisional Drivers License, and Full License. Learners permit is pretty much self explanatory, you have to drive with a parent/guardian only and must hold it for 9 months to get to the Provisional License in the middle which allows you to drive fully unsupervised after you turn 18 with many restrictions before 18 but still carries increased penalties(what they consist of I am not sure but they are nonetheless there only for Provisional Licenses) even after you turn 18, and then after you hold a Provisionals for 18 months, you can finally get a full license. Obviously not having increased penalties would be nice but I'm wondering if Full License status would also reduce insurance rates since it shows that you were able to hold a Provisionals for so long without moving violations and are therefore not quite as problematic of a driver as someone who has not yet passed the 18-month probationary period required for a Full License. Clarification on what a Provisional License is for my age(20): The Provisional License is for all intents and purposes basically the same as a full drivers license after you turn 18 with the exception of enhanced penalties for moving violations which remain possible until you get a full license. I'm just curious if there are insurance benefits that come with a full license as well or if, for some absurd reason, they still base it on the old learners-then-license system, and then they go up after you get a full license because they think you are suddenly unsupervised, which is not the case with a Provisional License moving up to a Full License.""

Drink driving & car insurance?

Does anyone know of any car insurance dealers that are kind(er) to drink drivers? All my qoutes are high and I just don't have the money to be forking out on car insurance. I have just bought my first flat and have a baby on the way...I wish they could see that circumstances have changed!!!

Do I have to buy health insurance in New Mexico?

I recently moved to New Mexico and started a new job. Now I am being told that I have to buy health insurance from my employer, or prove that I am covered under another policy. I am only 21, but I am a smoker and I know this will be expensive. I do not go to the doctor, and have not since I was 10. Do I have to buy coverage I won't use? Is there a way around this?""

Why is everyone whining about being required to buy heath insurance?

you probably don't realize it, but you practically are required to buy car insurance. if you wreck and you have no insurance, it's not very pretty, especially for your money. Same thing with heath. if you get sick and don't have insurance, it's not very good! i don't understand why people so strongly oppose requirement to buy heath insurance, but don't even stop to think about car insurance, the same principle.""

What are your reviews for Geico and Progressive?

We have Amica insurance and they cost $1200 a year and our car is Saturn ION 2 2004 sedan. This is financed car so we need full coverage. With clean driving history and clean car history do you think this is a good price? Should we try other companies to compare? What are your reviews about Geico and Progressive? Do you think they are good companies and can give us better rates?

Just wondering if there is any kind of insurance coverage for the victims of the tsunami?

It is a natural disaster. I know that in California there is earthquake insurance but very expensive. Do the Japanese have any kind of insurance protection? I'm sure there will be some kind of aid from the government but what about their losses? Thankful to be alive, I'm sure.""

Can any body tell me what is the lowest online car insurance company?

i have an old car and sometimes i use it but i think i pay too much to insure it $55 a month and it is just liablity insurance and i am looking for an online insurance company that can give me a very low rate

Which icar insurance is cheap and best?

where can i find find cheap and good car insurance

How much is a 2010 Jeep Sahara cost a month for insurance?

Insurance price for a 16 year old?

I'm 16 live in Minnesota and i want to get a car maybe around $5000 just wanted to know how much a month it would cost for insurance with and without my parents

Uk Motorcycle insurance question?

I'm currently doing my CBT and the going to do my A2 licence, which would permit me to ride a 400cc bike, so i'm planning on getting a 600cc bike and restricting it. Would that lower the insurance if i were to mention it has been resticted, i looked it up and for an 18 yr old i got a quote for a 600cc bike for about 1,300. would that be lower if i said it was restricted??""

Can I be reimbursed for birth control paid for after Affordable Care Act took effect?

After paying my co pay for birth control for about a year, I finally asked my pharmacist what he knew about the Affordable Care Act. He ran my insurance and found out that I was eligible for free birth control. Is there any way for me to be reimbursed for the birth control that I paid for after the Affordable Care Act became effective?""

What's the cheapest insurance for an 18 year old?

Where can I get insurance coverage for a very low monthly price?...for an 18 year old

If I don't own a home should I buy the cheapest insurance coverage?

I'm a student living at home, with no property of my own. Which insurance coverage would suit me best, the lowest 25,000/50,000 or a higher amount?""

Baby insurance?

Okay so my fiance and I aren't married yet. I am on my moms insurance until I am 19 and they wont cover the baby. He has his own insurance through WI called Hirsps. I can't change my license yet because my moms insurance will drop me and we dont want that to happen because it will be hard to get insurance to cover hospital bills. How do we get the baby insurance? Can we put the baby on his insurance?

Where can i buy cheap car insurance?

Hello. Im 18 years old and im looking to buy car insurance for a Vauxhall Corsa 1.2 sxi 60 plate costing about 8000. I passed my test last year April 2010 and have not driven any car so i have no NCB. Where can i get cheap car insurance for around 1000-1500?

How much is Florida's car insurance each month.?

i was wondering how much car insurance in Florida each month. for a 19 year old?? please only people who no what their talking about.

Should medical insurance be only for childrens?

I am doing a paper on medical Insurance for my class project I have 10 question that I need answers too.

How much might insurance be...?

On a car like a 2008 Hyundai elantra for a guy under 25 if it was new?

texas insurance quotes

Should I get business insurance?

I am an LLC for my small online business (I sell handmade jewelry). Should I also have business insurance? I make under $50k a year.

Will I have to switch my car insurance if I buy a new or used car from a dealer?

My current car is just costing far too much money in repairs for it to be worth it to keep piling money into. I'm a college student, so money isn't exactly plentiful, but its looking right now like I just need a new car, period. I have a decent job, and I could probably afford a car payment of around $200 a month just fine, however I am very concerned about any hidden cost with insurance. My dad told me that if I buy a car from a dealer, then I will have to switch my insurance to full coverage (I'm currently just on my dads insurance, and I only have to pay about $50 a month) but he says that if I get a new or used car from a dealer, I will have to change my insurance coverage and it will cost me more around 150-200 a month in insurance. And if you pair that with a car payment, I simply couldn't afford it and still be able to make rent and whatnot. So I came here to see if he is correct in this. I know there will be taxes, dealer fees, registration costs etc. but Its the insurance part of it that might make it impossible. Also, do I have to have my credit established for a certain amount of time before I can buy a car? I tried to avoid credit cards for as long as I could, so now Im still kind of new in the whole credit game.... Anyways, thank you for taking the time to read my question and hopefully answer it!! It is much appreciated!!""

I need Insurance help?

Hey, I just got a full-time job that pays very well. I make roughly $1500 a month, and I was looking to get a new vehicle as a means of celebrating my new step into adulthood. The vehicle I was looking at was a 2005 Pontiac GTO. I'm 19 years old, so I would have to get my parents to help me with cosigning. That wouldn't be a problem, since my parents have good credit. Now, my parents said that they'd cosign if I pay for both the car payment and insurance monthly. I also pay $200 a month for medical insurance, phone bills, etc. The car payment monthly would be about $400 a month, so that would be about one check. My question is, does anyone know roughly how much insurance would be for me? I currently pay $122 a month on a 2002 Taurus, with just one speeding ticket on my record. Any ideas? Thanks""

Is there insurance you can get that will cover pregnancy?

I just found out that I am pregnant and I don't have insurance and I make to much for State covered insurance. Is there an insurance company out there that covers pregnancy now?

Can a step parents add a child on his health insurance?

We live in california, and i have heard that if they investigate and there is a claim and they look into it, because he has no legal coustody, then there is a possibility they would not cover the claim?? Please help, and if you reference from a website, if you could include the url that would be great.""

How much will my insurance go up?

I got a ticket today for reckless driving (drifted coming out of school.) I'm only 16 and I'm a male, so how much will my insurance go up?""

What are the cheapest home owner insurance for oklahoma city?

what are the cheapest home owner insurance for oklahoma city? can someone tell me which company give the cheapest rate and the best coverage please, thank you very much; this is my first time buy a house, if you have any advise please let me know, thanksssssssss a million :)""

I have a question about teenage driving insurance?

I let my son drive my car sometimes and his six months is up and he is now wants to drive friends in the car. I know my car insurance will cover him if he is in a wreck, but will it cover his friends?""

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.?""

""How to save more money as a teen, for a car and motorcycle?""

I'm about to turn 16, and would like to save up for a reliable, cheap (2k-4.5k), good-looking, car. It has to be American, or anything other than Honda, Subaru, Toyota, Lexus, Hyundai, etc. cause dad works for GM. I am paying for the car on my own, most likely, but maybe I can convince parents to pay 1k or so. Money is tight right now in my family. Dad got demoted last year during GM's bankruptcy, and may get a promotion in spring. My Mom is opening a restaurant this year, which is going to cost a lot. I got a job in November at a brand new Kroger grocery store, where I get minimum wage and cannot work over 16 hours per week because I'm only 15. I have saved a little over 1.2k in the bank. I also have invested $500 of my own money this year into stocks, which are up a little. This might sound dumb to some, but I have dreamed of buying a motorcycle. I want a Kawasaki Ninja 650R. AND YES, I KNOW INSURANCE COSTS MONEY, (FOR CAR AND MOTORCYCLE) I'M NOT AN IDIOT. I also need to plan on how to save for that. Any tips, help, and info would be great! Thanks so much.""

Anyone have a phone # for Wells Fargo Auto Insurance Claims Dept? All the online numbers are for quotes.?

Just got hit and person gave a non-working number for the insurance company (I guess Wells Fargo Auto Ins took over Wachovia Auto Ins). Thank you!

My auto insurance covers anybody who drives my car...is my teen covered? I cannot afford to list him....?

Me and my teen have a car. I have both cars listed on my insurance with full coverage. If he is not covered is there an insurance company that will cover a driver of his age without ...show more

""I am 18 years old and have 6 points on my driving license, will my insurance cost go down after a year?

I currently aren't on any insurance policy!

DUI and Car Insurance???

What is the cheapest car insurance out there to get for someone who has a DUI and a speeding ticket within the last 3 years?

Who thinks eligibility for car insurance/rates should be based solely on your driving record?

I read a story that says that insurance companies are trying to base their rates for car insurance on your credit rating, age, and gender etc. Is that right/do you agree or disagree with the practice, what do you think the right way is to determine insurance rates etc?""

""On average, how much is motorcycle insurance?""

Let's say for instance I owned a road bike with 750 cc's, how much would insurance be? Or at least AROUND how much?""

Insurance for student?

I am currently a student, and saved up enough to buy a car, but the problem is the insurance. As a student, the insurance premium is very high since I have to be the primary driver. I cannot be under my parents insurance, I am not in good terms with them. Is there any way to reduce the premiums? I already did the driveres ed course which gives you a 10% discount. Do you know any cheap insurance companies? I am just looking for basic coverage. Thanks! PS - I live in Ontario.""

How much would it cost for 3-5 million dollars General Liability Insurance?

I work in various chemical plants and refineries repairing/maintaning/calibrating the laborotory instruments in these places. I'm currently working as a sub-contractor through another company but that is about to change, as my business partner and I are breaking away from them to start our own business. Most of these plants require between 3-5 million in liability coverage to my knowlege. I need a ballpark figure of what that kind of coverage costs in the Louisiana/Gulf coast region. Last year we did $150,000 in sales between 3 people and the revenue has been growing substantially each year (~20% or so). Thanks in advance for your answer.""

Car Insurance In Virginia?

I'm 19, First time driver, 1 Child, Car paid in full, Live in the 22031 area (fairfax), Had a seatbelt ticket before I obtained my license, Female. I want to know which insurance would be best suited for me, I dont need the quotes, I just want advice (from expierience) on where to get quotes from first. I have my permit, and will have my license in 25 days. I'm looking into cars right now, and should have one chosen in the next 2 weeks. I know the car will change what the insurance is, but I have not chosen it. I know I want an automatic 4 door sedan Used. Not sure on mileage yet. Leaning towards Nissan Altima. Any advice???""

What are some affordable health insurance in the NJ area?

I am 25 years old and currently unemployed. I will be a student in the health care field and I'm required to purchase health insurance. I also have to get a physical exam along with vaccinations. I looked online for some insurance and I have to pay at least $250 a month which is too much for me. Are there any affordable health insurance?

Will a provisional influence car insurance?

Hi guys, Im thinking about getting myself a car when Im 17 and Im looking into the insurance and what type to look for so I can save and know what Im looking for. So I was wondering if I have a provisional moped license will that help to lower my car insurance? and what car should I be looking for that cheap and easy to run and best on the insurance. Thanks in advance for your help.""

How long does it take for an auto insurance claim to clear you record?

I currently have USAA and back in Nov 2005 I hit a piece of tire on I-25. The tire ripped out my wheel well cover and took the electrical system with it. I made a claim that came out to 1K including my deductible. When trying to change insurance this claim came up and uppped my 6 month policy by 300 dollars. It is not on my DMV driving record, can I still get the cheaper insurance thru progressive.com? Thanks a bunch.""

How much more is it to insure two personal cars vs. one?

I am just one guy, I live by myself and nobody drives my car but me. I keep insurance on it but conditions may turn out that I will end up with a 2nd car. I would ultimately drive them both and have them insured but how much is it for one person to insure a 2nd car? Is it (premium of one car) X 2 or more like 1.5(P) I hope this wouldn't be too expensive and make it not worth it.""

Insurance cost for a BMW 325i?

So I am 19 bought a 2004 BMW 325i for 12,000 dollars and was wondering how much the insurance would be? I live in CT and are only planning to use for school.""

What good are healthcare insurance brokers?

I called one two weeks ago & he was going to email me different quotes. He never bothered to, and so I called him & asked where they were. He said he forgot. Meanwhile I called another health care insurance broker & she too sent me some quotes. I attempted on line to apply for one, but there was a problem with the form allowing me to go further. I not only called the broker like she said I could if there was a problem, but I also emailed her about the problem. She didn't return my phone call, and as of yet has answered my email. It seems to me they must not want to make a commission, so is it just best to contact the health insurance companies on their own? In the past a broker was able to tell me if I would qualify if there would be a mark up above standard rates. Now they say just apply on line and see what happens. Everything has to be on line which always obviously doesn't work. So, what good are health insurance brokers? They need to just do away with them if they aren't going to work.""

texas insurance quotes

https://www.linkedin.com/pulse/motorcycle-insurance-quotes-online-free-elijah-acevedo/"

0 notes

loreneweiner · 7 years ago

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Financial Planning for Beginners

Earlier this year, household debt balances in America rose to $12.73 trillion, the highest in our history. In fact, 73% of us die in debt. With this much debt, it’s hard for many people to reach long-term goals such as retirement savings, or shorter-term goals such as paying for a wedding. Many of us just wing it when it comes to our finances, thereby decreasing our opportunities and our joys in life. But with a bit of planning, we can take control of our finances, which gives us much more control over our lives and our futures.

You will find that the following guidelines make a big difference.

Set Your Financial Goals

We all know it’s impossible to get anywhere without knowing where we want to go. Many of us have more than one financial goal, which means we need to set priorities. That doesn’t mean you can’t work toward more than one goal at once. Think about what is the most important thing to you now:

Paying off debt;

Contributing to an emergency fund;

Saving for short- or medium-term goals, such as paying for a wedding or a vacation; or

Saving for long-term goals, such as retiring comfortably.

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In order to reduce both your risk and your anxiety, it’s best for most people to prioritize paying down their debt and building an emergency fund but without ignoring their retirement. Of course, your goal setting will depend to a large extent on your priorities in life. Recognize what those are and plan your spending accordingly. For some people, buying a large, comfortable house is paramount. For others, travel and new experiences are more important. Neither is right nor wrong. The point is to plan and act to make your personal goals become a reality.

Pay off Debt

Many people wonder how they got into so much debt and they don’t see a way out of it. But you can climb out of debt with good planning. If you are part of an average American household, you may have $15,654 in credit card debt, $27,669 in auto loans, and $46,597 in student loans. And almost half of credit card holders have revolving debt, meaning rather than paying off their debts every month, they carry it forward. If you have these kinds of debts, you are probably paying thousands of dollars per year just in interest.

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Also, if you are in debt, you may occasionally overdraw your bank account trying to cover payments. That’s usually a minimum $34 bank fee and more if you don’t repay the money almost immediately. Banks are thrilled when you overdraw. They make more than $30 billion every year in overdraft fees.

Contribute to an Emergency Fund

If anything is constant it’s that nothing is constant. Life happens, and you need to be have a little cash put away for an emergency. Try to have at least enough money to get you by for three months. Six months is better. Shockingly, about 70% of Americans have less than $1,000 in the bank. If you have sudden medical bills, an accident, or lose your job, you need some cushion. If you don’t have an emergency fund, this should be a top priority.

Save for Short- and Medium-Term Goals

Once you have your debts under control and have a comfortable emergency fund, you may want to turn your attention to some short- or medium-term goals. This could be anything from buying a car, going on vacation, or buying a house. Life is to be enjoyed. Just don’t pursue these goals while going deep into debt or ignoring putting money aside for an emergency.

Save for Long-Term Goals

Of course, a long-term goal everyone should have is saving for retirement. Here are a few ways to do so:

Start putting money aside as soon as you can, even if it’s only $50 per week.

Don’t put your retirement behind everything else. It is far too easy to push it off. Don’t steal money from your retirement to renovate the kitchen or fly to the Bahamas for a few days.

If your employer will match retirement funds, put in the maximum amount they will match.

If you are over age 50, you can make a larger retirement contribution. Do this.

Know Where Your Money is Going

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The first step to reaching your goals is understanding what you have to work with. You need to know where your money is going before you can redirect it to be more in line with your goals.

Go through your bank statements and receipts and list what you are spending on.

Separate your costs into two groups. The first group is fixed costs, such as rent or mortgage payment and insurance. The second group is flexible costs such as going to the movies and other entertainment, eating out, and gasoline.

Make a note of your assets and net worth.

Check your credit scores.

Add up your debt.

You don’t need to go back years. Just take a look at your spending and financial information from the last few months.

Build a Budget

Just as you can’t get anywhere without deciding where you want to go (your goal), you also can’t get there without a plan. Once you have a firm grasp on the money you have coming in, your debts, your expenses, and how you spend your extra money, you need to make a budget.

“Budget” is a word that can strike terror into the hearts of many people to the point that they become paralyzed with fear. The word can conjure images of failure, similar to the word “diet.” There is no need to put yourself through this. Your budget doesn’t have to look like anyone else’s. Recognize your personal priorities and be realistic.

If you are saving for a short- or medium-term goal that is extremely important to you such as a big wedding or a vacation, you might be willing to tighten your belt in some areas for a bit. But if you live and die for weekend golf or morning lattes, those may not be the first place to look at cutting your spending.

Just realize you may not be able to have it all, at least not all the time.

Get Help if You Need It

Some people become almost paralyzed with fear when it comes to dealing with their finances. If sifting through your financial records and creating a budget is too much for you, get help. There are various levels of help according to your needs. Help can come in the form of budgeting software, budgeting services, financial advisors, accountants, and bankruptcy attorneys.

The most important thing is that you get started immediately, because your future won’t wait.

Free Initial Consultation with a Utah Lawyer

It’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

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Source: http://www.ascentlawfirm.com/financial-planning-for-beginners/

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archiebwoollard · 7 years ago

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Diversity Is Not a Band-Aid: A Company Culture Overhaul

Last week, we hosted an incredible panel on women in technology. It was well received and sparked some phenomenal questions and conversations surrounding diversity and in the workplace. (You can watch it here if you’re interested!) After the panel wrapped, I returned to my desk and talked with a coworker about the most significant takeaways of the day.

“I feel like sometimes companies get into trouble and then immediately appoint a woman into a new position to try and change the narrative,” she said.

“That’s a good point. But women are not band-aids. It’s not their job to make a workplace more diverse, and it’s not a reasonable expectation that on top of their duties, they also have to clean up the mess,” I replied.

This was exactly the point our panelists made: Diversity is not a one-and-done “fix” to culture or performance problems your organization is facing. Rather, it’s a thoughtful commitment to inclusivity and elevating different voices that enriches your organization inside and out.

In this blog, I’ll cover why your company culture might need an overhaul and give a few suggestions from our panel to get you on the road to a more committed view of diversity.

Is It Diversity for Diversity’s Sake?

One of our panelists, Sandra Zoratti, said: “Diversity is a red-hot topic, but diversity for diversity’s sake is not the point. Our differences make us better. Measurably better. Here’s the proof: An MSCI report showed that companies with at least three women on the board had consistently higher returns on equity than companies with less diverse boards (read: a financial and competitive advantage). As a result, Wall Street has rallied to support increased female board membership to enrich corporate diversity. In turn, institutional investment giants like BlackRock and Vanguard have publicly committed to challenging any and all corporations not embracing diversity. It’s time we all embrace diversity and harness it’s powerful force to significantly strengthen us all.”

Appointing a single diverse board member in an otherwise non-diverse board will not turn your company around. Examine your culture through different frameworks. Even if you are not a senior leader, would an employee, no matter their background or seniority, feel comfortable bringing up a problem or a pointing out something that may become a problem down the road? If not, it’s time to ask yourself why even if you might not like the answer. As Jim Ruberto said, “Monoculture dies, diverse culture thrives.” When selecting a team, it’s important to seek a wide variety of diverse opinions to create a more cohesive organization.

Are You Thinking About Age, Too?

“My biggest challenge has been age discrimination. A lot of people based on my age, based on being female, would take one look at me and say, “oh, she has no idea what she’s talking about.” We tried a lot of ways to band-aid that. We changed our appearance, we started wearing suits. We wore glasses instead of contacts. And it still happened. What we figured out was that we needed to attack that head on. We needed to approach people before they approached us and judged us.”—Emily Long, Senior Director of Business Development, Zia Consulting

Workers both young and old can often feel marginalized because of their age. For younger workers, this can keep them locked into a position that they are overqualified to hold. More advanced workers may feel dismissed by younger teammates when it comes to technology discussions despite their experience and historical knowledge. In either case, the true value and unique voice of the employee is lost when assumptions are made.

Not only should your company have a diverse mix of nationalities and gender identities, it’s also important to have a mix of ages. Having trouble with this when it comes to hiring? Strip all of the titles, dates, and company names from a candidate’s resume. What have they accomplished? Do their skills align with what you’re looking for? It’s tough to set aside bias but to build the best possible culture for your organization, it’s important to challenge yourself and your team. Remember: you might fail. It’s okay. Keep trying. Click To Tweet

Is it Safe to Disagree?

“I think with credibility comes authenticity. Your voice comes from authenticity and from your ability to object. I often ask my team to object. I don’t want people to agree with me if they don’t agree with me. Early in your career, you agree with everything. You don’t want to disagree. But that brings no value to anyone.”—Lee Ho, Digital Marketing Director, Avaya

Ask yourself, is “no” an acceptable answer when you pose a question to your team? Are you operating in a culture where it’s not okay to have a different perspective? What do you stand to lose if someone disagrees with your choices? Or, perhaps a better question, what do you stand to gain from disagreement? Whether it’s creating a new campaign, developing the strategy to enter a new market, or diving deeper into an existing issue hoping to find a new solution, constant complacent agreement will never foster progress.

Two Challenges (for Everyone)

I’d like to end this with two challenges:

“I was with my previous employer for 25 years. So before I took a risk and came over to the Digital Analytics Association 2 years ago, that was a really big, scary move. But I look back and not only was that the best thing I ever did, I probably should have been willing to take risks sooner. A lot of times in my organization, we will talk about how someone feels like they might have messed up. I like to say, “You know what? We don’t cure cancer here. So be willing to go ahead and take a risk. If you make a mistake, it is fixable. You can definitely turn it around.” I think taking a risk is a great opportunity.”—Marilee Yorchak, Executive Director, Digital Analytics Association

Take a risk and revel in the opportunities it will provide for you.

“As a CMO who happens to be female, I must lead the charge for change. It is vital that I not only talk the talk, but walk the walk—for our customers, our partners, and the people I lead and serve. I challenge every CMO to take a hard look at their teams and to recognize any diversity gaps that may exist currently. Fearless leaders know that it’s okay to acknowledge your shortcomings, as long as they are never content with complacency. Without a diverse mix of viewpoints and experiences to pull from in the work we do in our marketing teams each day, we are forever limiting the potential and success of global organizations everywhere.”—Sarah Kennedy, CMO, Marketo

While Sarah challenges CMOs specifically, I’d like to open this up to everyone at every level. The time to make changes is not when you are in the C-suite, it is now. Look at your team, your company, and those around you and consider what change you can encourage now.

How would you rate your company culture right now on a scale of 1-10? Tell me about your company culture in the comments. I’d love to hear about what works and what doesn’t work for you.

The post Diversity Is Not a Band-Aid: A Company Culture Overhaul appeared first on Marketo Marketing Blog - Best Practices and Thought Leadership.

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racheltgibsau · 7 years ago

Text

Diversity Is Not a Band-Aid: A Company Culture Overhaul

“I feel like sometimes companies get into trouble and then immediately appoint a woman into a new position to try and change the narrative,” she said.

In this blog, I’ll cover why your company culture might need an overhaul and give a few suggestions from our panel to get you on the road to a more committed view of diversity.

Is It Diversity for Diversity’s Sake?

Are You Thinking About Age, Too?

Is it Safe to Disagree?

Two Challenges (for Everyone)

I’d like to end this with two challenges:

Take a risk and revel in the opportunities it will provide for you.

How would you rate your company culture right now on a scale of 1-10? Tell me about your company culture in the comments. I’d love to hear about what works and what doesn’t work for you.

The post Diversity Is Not a Band-Aid: A Company Culture Overhaul appeared first on Marketo Marketing Blog - Best Practices and Thought Leadership.

from RSSMix.com Mix ID 8217493 http://feedproxy.google.com/~r/modernb2bmarketing/~3/XVlHpJ9wYDo/diversity-is-not-a-bandaid-company-culture-overhaul.html

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maxslogic25 · 7 years ago

Text

Diversity Is Not a Band-Aid: A Company Culture Overhaul

“I feel like sometimes companies get into trouble and then immediately appoint a woman into a new position to try and change the narrative,” she said.

In this blog, I’ll cover why your company culture might need an overhaul and give a few suggestions from our panel to get you on the road to a more committed view of diversity.

Is It Diversity for Diversity’s Sake?

Are You Thinking About Age, Too?

Is it Safe to Disagree?

Two Challenges (for Everyone)

I’d like to end this with two challenges:

Take a risk and revel in the opportunities it will provide for you.

How would you rate your company culture right now on a scale of 1-10? Tell me about your company culture in the comments. I’d love to hear about what works and what doesn’t work for you.

The post Diversity Is Not a Band-Aid: A Company Culture Overhaul appeared first on Marketo Marketing Blog - Best Practices and Thought Leadership.

from RSSMix.com Mix ID 8217493 http://feedproxy.google.com/~r/modernb2bmarketing/~3/XVlHpJ9wYDo/diversity-is-not-a-bandaid-company-culture-overhaul.html

0 notes

aretia · 7 years ago

Text

Variable Annuity Investment Lawyers

Variable annuities are a hybrid investment with features of securities and insurance.

Although they can help provide a fixed income later in life, variable annuities have restrictive, complex, and confusing features that make them inappropriate for many investors. They are also a high-commission investment product, which can lead to aggressive broker sales tactics.

Variable annuities are a leading cause of FINRA investor complaints. If you suffered investment losses from variable annuities and feel that their risks were not properly explained to you, your losses may be recoverable.

VARIABLE ANNUITY FEATURES

Typical features of variable annuities include:

Tax-deferred growth

A death benefit

Periodic payment options that can provide guaranteed lifetime income

When an investor buys a variable annuity, they make either a lump sum payment or a series of payments that are invested into sub-accounts (usually mutual funds). In return, the investor is promised a future benefit. The benefit payments can either begin right away (immediate annuity) or be delayed to the future (deferred annuity).

However, as the name “variable annuity” implies, the investment’s rate of return is not fixed. Rather, it varies depending on the performance of the sub-accounts.

DISADVANTAGES OF VARIABLE ANNUITIES

Potential drawbacks of variable annuities are:

The investor will not achieve any gains—and may even lose money—since the rate of return is performance-based.

A lack of liquidity.

Fees and expenses such as surrender charges, sales charges, early withdrawal tax penalties, mortality and expense risk charges, and charges for special features such as guaranteed minimum income and principal protection.

While variable annuities have features similar to an Individual Retirement Account (IRA), IRAs offer more tax benefits. Investors are often better off maxing out their IRA contributions before they consider a variable annuity.

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BROKERS AND FIRMS MUST FOLLOW PROPER SALES PRACTICES

The Financial Industry Regulatory Authority (FINRA) has specific rules governing the sales of variable annuities.

When recommending a variable annuity to an investor, a broker must inform the customer of the investment’s risks and features, including things like potential tax penalties, market risk, and fees and costs.

Brokers must also understand the customer’s investment profile and have reason to believe that a variable annuity is suitable for a particular investor. As a secondary precaution against unsuitability, a principal broker with the firm must review and approve the customer’s variable annuity application before sending it to the issuing insurance company.

If these steps are not followed—and the client ends up losing money on the investment—the brokerage firm may ultimately be held responsible for the client’s losses under FINRA’s failure to supervise provisions.

PONZI SCHEME ATTORNEYS

Ponzi schemes—investment schemes that use money from new investors to pay off earlier investors, with little or no real earnings—have been around for nearly a century, and are still going strong.

While major Ponzi schemes such as the Bernie Madoff scam make headlines, many smaller, less-publicized Ponzi schemes result in investor losses every year.

Ponzi scheme masterminds may face civil and even criminal charges for investment fraud, but this rarely results in investors getting their money back. A more practical recovery strategy for defrauded investors is to bring a claim against the broker and brokerage firm that sold them shares in the Ponzi scheme.

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ABOUT PONZI SCHEMES

Ponzi schemes are named after Charles Ponzi, who scammed thousands of New Englanders in a postage stamp scheme in the 1920s.

The investment vehicles have changed over time, but the basics of a Ponzi scheme remain the same: the scammer offers returns to investors, but rather than reinvesting the money and earning profit-based returns, the scammer simply finds new investors and uses their money to pay off existing investors. In short, the Ponzi schemer robs Peter to pay Paul.

As long as there are fresh investors, the scheme keeps going. At some point, however, new recruits dry up, the mastermind takes the money and runs, or numerous investors request to cash out (often during an economic downturn). When any of these occur, the Ponzi scheme collapses—taking investors down with it.

OLD SCHEME, NEW TRICKS

Bernie Madoff became a household name as the perpetrator of the largest Ponzi scheme in history. Madoff’s $65 billion fraud hurt large and small investors alike. Only a few fully recouped their losses.

Madoff’s fraud made investors more aware of Ponzi schemes. It also put more pressure on the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA) to crack down on Ponzi Schemes, since Madoff flew under regulators’ radar for decades.

But Ponzi schemes are still a major investor threat. In 2016, 59 Ponzi schemes were uncovered in the U.S. with a total of $2.4 billion in losses. Since 2012, about 65 Ponzi schemes per year have been discovered. The mean scheme is worth $6 million.

Recent schemes show that scammers are finding new ways to defraud investors. For example, the SEC has warned about Ponzi schemes using virtual currencies (such as Bitcoin), while FINRA has warned about social media-linked Ponzis.

In 2017, the SEC charged two men with running a Ponzi scheme involving tickets to popular shows like the Broadway musical Hamilton and Adele concerts. Also in 2017, a former NFL player was charged for his role in a Ponzi scheme that targeted professional athletes.

The SEC offers a list of Ponzi scheme red flags that includes:

An offer of high returns with little or no risks

Returns that do not go up and down over time

Investments in unregistered securities

Account statement errors

Promoters offering investors even high returns for not cashing out

RECOVERING PONZI SCHEME INVESTMENT LOSSES

When a Ponzi scheme comes crashing down and the schemer is caught, there may be criminal proceedings that result in assets being returned to defrauded investors. But investors are unlikely to recover more than pennies on the dollar through such an action.

It is often more efficacious for Ponzi scheme victims to pursue securities litigation or arbitration against the broker and/or the brokerage firm that promoted investment in the scheme. A defrauded investor may also have viable claims against parties that aided and abetted the scheme, such as banks, attorneys, or accountants.

Free Initial Consultation with an Investment Lawyer

When you need legal help with securities, investments or other business matters, call Ascent Law for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

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Source: http://www.ascentlawfirm.com/variable-annuity-investment-lawyers/

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winniegist · 7 years ago

Text

Variable Annuity Investment Lawyers

Variable annuities are a hybrid investment with features of securities and insurance.

VARIABLE ANNUITY FEATURES

Typical features of variable annuities include:

Tax-deferred growth

A death benefit

Periodic payment options that can provide guaranteed lifetime income

However, as the name “variable annuity” implies, the investment’s rate of return is not fixed. Rather, it varies depending on the performance of the sub-accounts.

DISADVANTAGES OF VARIABLE ANNUITIES

Potential drawbacks of variable annuities are:

The investor will not achieve any gains—and may even lose money—since the rate of return is performance-based.

A lack of liquidity.

youtube

BROKERS AND FIRMS MUST FOLLOW PROPER SALES PRACTICES

The Financial Industry Regulatory Authority (FINRA) has specific rules governing the sales of variable annuities.

PONZI SCHEME ATTORNEYS

Ponzi schemes—investment schemes that use money from new investors to pay off earlier investors, with little or no real earnings—have been around for nearly a century, and are still going strong.

While major Ponzi schemes such as the Bernie Madoff scam make headlines, many smaller, less-publicized Ponzi schemes result in investor losses every year.

youtube

ABOUT PONZI SCHEMES

Ponzi schemes are named after Charles Ponzi, who scammed thousands of New Englanders in a postage stamp scheme in the 1920s.

OLD SCHEME, NEW TRICKS

The SEC offers a list of Ponzi scheme red flags that includes:

An offer of high returns with little or no risks

Returns that do not go up and down over time

Investments in unregistered securities

Account statement errors

Promoters offering investors even high returns for not cashing out

RECOVERING PONZI SCHEME INVESTMENT LOSSES

Free Initial Consultation with an Investment Lawyer

When you need legal help with securities, investments or other business matters, call Ascent Law for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Divorce News

Environmental Lawyer in Salt Lake City

CISG Lawyer

Civil Attorney in Salt Lake City Utah

Father’s Rights in Utah

Can I List my speeding ticket in Bankruptcy?

Source: http://www.ascentlawfirm.com/variable-annuity-investment-lawyers/

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advertphoto · 7 years ago

Text

Child Support Modifications for Job Loss

Families in Utah often have an arrangement where one parent is required to pay child support to the other parent. This is typically the case when one parent has significantly higher income than the other or if one parent is the primary caregiver. I’ve seen this many times as a family law attorney. However, there are times when the parent making payments struggles to do so, perhaps due to an illness or job loss. One state is working to break the cycle by assisting certain parents with finding a job, in order to help them provide for their children rather than send them to prison for unpaid child support.

The program was started recently by a judge who serves in domestic court cases. It seeks to offer education and career training for those who might otherwise be arrested for their debt. For now, it will be temporary and only an option for certain parents until data is available on the program’s effectiveness. The judge who implemented it said she realized that some parents who struggle to make their payments do so due to circumstances that are often beyond their control. She felt that jailing the parents overloaded the court system, left kids with inadequate care and failed to solve the problem overall. Specific companies that have partnered with the program will offer jobs and education to the parents in need. One woman recounted her own story, saying she had applied for numerous positions at various companies but failed to get an interview. She is hopeful that this program will help her provide for her daughter who currently lives with her ex-husband.

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This program is not available in all areas, but it serves as a reminder that, if a Utah parent is having difficulty making child support payments, he or she may be able to request a modification to his or her support agreement. The family court will review the specific case and make a recommendation based on the personal circumstances of everyone involved. Doing so could allow a parent to better care for the child they love so much.

TYPES OF COURT MODIFICATIONS

Divorce is a long and strenuous process and signing that finalized divorce paper can feel like a giant weight has been lifted. For some, however, that signature does not mark the end of the uphill battle. Some couples have much more complicated situations that include spousal support, child custody, and child support. After a divorce is finalized these can be modified over and over again. If you are stuck in a modification struggle you will need the help of a Salt Lake City divorce modification attorney to help you obtain your desired outcome.

CHILD CUSTODY

You can modify child custody and visitation schedules until the child’s eighteenth birthday and if both parents can agree to it then this is a fairly simple process. The court will typically grant the modification in circumstances where both parents agree unless the modification put the child’s safety at risk. The best case scenario would be the parents agree on a modification and the court follows suit. On the other hand, things can get messy if one parent does not agree to the modification. This requires the parent requesting the modification to present evidence that a material change has occurred such as a parent moving away for a job. The next step would be for the court to determine if the modification would benefit the child and how much of the visitation or custody agreement needs to adjust.

CHILD SUPPORT

Child support modifications require specific circumstances and can be complex cases to change. Child support is intended to ensure the child has all of their material needs met like food, clothing and school supplies. Reducing child support impacts the child greatly since the money they depend on each month for their needs is being called into question. Therefore, the court has guidelines for child support modifications. Some of these include a three-year gap since the judgment was entered, financial circumstances are changing permanently and there has been a 10 percent change in how much it will impact the payments. Salt Lake City courts will also be modified if there has been a 15 percent change in income or child expenses.

SPOUSAL SUPPORT

Spousal support is simpler because it merely needs a material and substantial change in financial circumstances. The only time this rule of thumb does not apply is if the change was foreseeable like retirement. Spousal support can be a temporary payment for a certain amount of years if outlined in the original arrangement.

Free Consultation with Child Support Lawyer

If you need child support changed because of job loss, please call Ascent Law at (801) 676-5506. We will help you.

Ascent Law LLC8833 S. Redwood Road, Suite CWest Jordan, Utah 84088 United StatesTelephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 49 reviews

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Source: http://www.ascentlawfirm.com/child-support-modifications-for-job-loss/

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