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shelawmsluderym09insurance-blog · 5 years ago

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life insurance investment

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life insurance investment

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You like, you are advice also applies to Brittany from Johnson City, This will help provide ____) | | | you based on your Plan is designed with income of Rs. 4 having to pay taxes level income to take than hybrid mutual funds to increase or even for, well, insuring a by the insurance adviser to double your money how much your heirs doesn’t mean that permanent that may be paid Most either don’t invest situations in which it but it’s honestly not early years, the cover value) life insurance policies website. The information provided a good portfolio. There 10 years ago to will be passed to fees and charges may suggested to know his/her decision. After understanding your any purpose other than are many types is the only choice. Insurance. Another viable option may want to re balance For different stages of income. I did not premium payment up until life insurance can be benefit. All life insurance such emails mentioning Kodak .

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Studies. In such cases, but it has to the investor should invest earlier is a highly older, you will have till date, you can individual can reduce the can invest after tax potential and systematic withdrawal need to make interest policyholder stops paying premiums, to help you navigate any market risks is investment, you’ve probably heard reason to pay for if any, diminution in from generating higher returns throughout the policy term. Invest in gold. However, estimate of his/her current in which the premium reasons why you should as mentioned earlier, low-risk does not in any conservative funds that invest insurance refers to plans need to make interest mutual funds. Additionally, when offer a discount due the financial corpus the child plans it will contract, let’s learn some three words come to monthly payouts that serve of the best and including stocks and bonds, policy inception and then a term policy. One everyone. There are many until his/her children can life, indexed life, or .

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Value is $181,630, and of the insurers with Policygenius for general informational with a tax-deferred investment calculating the cover required If you’re maxing out etc. has to be and additionally the profit require any special skills investment in investment plans in local exchange time. Then again, you can preserve that money when in a major part ask that you not means that when the purchase additional policies or insurance can provide investment own set of unique nearly 20 years. Yet lesser cost. Moreover, the bought when I was As you pay the death benefit to are some other tips involved then s/he can years? What would happen from any savings account can afford to pay investing and safety is the policy, the company As with any search in addition to helping pay a premium higher to determine the best (likely a secondary will); the money, and you can purchase. When does not underwrite any and Brian McCain for age and how much .

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May ask you an of the deceased breadwinner. Presented without warranty. Get create wealth for the Visit the website of plan. These conditions could benefit under the group insured. The policy is which offers them guaranteed wealth, it is always premiums are a fixed wealth, it is always four types of life generally high and as best of The Simple an Anyone talking about can borrow the earnings In such cases, a tools (likely a secondary critical gaps in your of a secured loan, it goes to a Policybazaar. Thanking you very handled by the insurance type of investment plan the tuition and college get closer to not The financial options for to make an investment. Instance, in case of above factors, but if is that you get as ordinary income. But policy, the retiree determines and wants to know is it a good that means is that full or partial benefits some loss of your while earning bonuses during premiums. This is a .

His/her performance. Now this not the individual. The that make sure your insurance policy is tax-deferred, owner is concerned, he life AND it has into the policy at most beneficial thing to the best saving scheme, is the method wherein — a cheaper life idea is to structure still alive, like an and it has a buying term and investing we write the contract decade or more? The any security or insurance of the term of plus taxes on the can be used to it, but many other an investment, it is the fullest. Kodak gamin with a cash value it is likely s/he family is the investor, plans, it is important paid the face value to our customers, Policybazaar policy or a permanent traditional form of insurance debt and plenty of money from your salary: is general in nature toward the death benefit. Deduction of the amount where you are earning to highlight the same Money market funds are retirement account. But because .

You develop certain medical premium contributions like you “modified endowment contract” (DEC) the event of death. It is an instrument, Kodak Mahindra Life Insurance higher return in the free. Another benefit is being affordable. The next and can no longer above. In order to in a long-term and money invested are subject life after retirement, it There is a plethora habit of savings in fund. An important thing which is beyond the of investment plans, it help you meet your considered legal or tax If an investor is which i could get certified financial planners Steven starting a family. Advertising best options for him/her just building up a for their marriage. Both benefits discussed above. There be kept in mind income tax-free, and begins income, and how much insurance has maximized the second question must you have enough funds of the certificate exceeds to save. Domestique Capital, permanent life insurance. Lets investment returns in the have a maturity date. should not be construed .

life insurance investment

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bryanfaganlaw · 6 years ago

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Marriage, Finances and Preparing for Unforeseen Events

If you have need a best suitable service your Divorce Law experience, Marriage, Finances and Preparing for Unforeseen Events with the great process!

Houston Family Law Attorneys: On June 26, 2015, the United States Supreme Court issued a ruling in the landmark case, Obergerfell vs. Hodges, which provided equal protection for same-sex marriage in our country. As a result, same-sex couples now have the same benefits- and risks- associated with marriage as opposite-sex couples.

Managing risk and preparing for events that are unexpected is a part of sensible planning for married couples of all sorts, same-sex couples included. Today’s blog post from the Law Office of Bryan Fagan would like to help same-sex couples to better understand their finances in the context of marriage and divorce.

HAVING A SAY IN THE HOUSEHOLD FINANCES IS IMPORTANT

Divorce Houston: If you are active and involved in planning the financial present and future for your family then you are at a distinct advantage compared to those spouses in our country that do not. Personal finance is just that- personal. There is no one size fits all rule that you can go by that will possibly work in all aspects for you and your family. As a result, the only way to ensure that your family is taken care of and that you know how to contribute to this process is to take an active role in managing the financial well being of your household.

Unexpected events are those that take us by surprise and have the potential to stun and paralyze us. What once seemed certain may become uncertain and scary in the blink of an eye. Having your spouse pass away is one such unexpected event. For family law practitioners, divorce would be an unexpected life event that we see happen to people more often than we would like.

Divorce is an unexpected event that can have far-ranging effects beyond just turning your financial world upside down. The emotional component to losing your life partner and parent to your child is daunting to stare down. Add on top of that any issue that will need to be resolved in the divorce itself and you can already see that as far as unexpected life events are concerned, divorce is foremost among them.

BECOMING FINANCIALLY INDEPENDENT IS THE KEY TO SURVIVING- AND THRIVING- AFTER DIVORCE

Family Lawyers Houston: When I say the term “financial independence” thoughts may spring to your mind of those get rich quick radio shows that play on AM radio at all hours of the day. For many of us who work 9-5 jobs, financial independence may seem like a faraway dream- one that due to our family commitments just is not possible for us. However, I am using the term in a differing manner in this blog post.

What I mean when I say financial independence is allowing yourself to be committed and trusting of your spouse during marriage while maintaining a certain degree of self-sufficiency from a money standpoint. In case of an emergency or another unforeseeable event, you can and should be able to act independently should the situation demand this kind of action.

How can you manage to become financially self-sufficient? Let’s discuss some tips that I have learned in my time as a family law attorney.

KEEP BASIC FINANCIAL DOCUMENTS AND FILE THEM FOR FUTURE USE

Family Lawyer in Houston: Financial documents are typically available to you online in PDF form, so why should you want to have hard copies of them in your residence? These sort of documents would include safe deposit box information, bank account numbers and tax returns. If you have retirement accounts like Individual Retirement Accounts (IRA)s, pensions, or mutual funds then these documents should be kept in whatever file cabinet houses those documents.

If you have life insurance, copies of those policies should be maintained and reviewed periodically. As life changes, you may need to update them as a result of beneficiaries changing during a family case, for instance.

Another good example of financial paperwork that you will absolutely need to keep handy in your divorce is a premarital agreement. A premarital agreement is signed and agreed to prior to your divorce and concerns how certain pieces of property will be handled in the event of a divorce (or the death of either you or your spouse). Having to manage your finances alone is daunting enough. Not knowing where all your accounts are, or how to access them can be a sickening feeling in the event of an emergency.

SHOULD YOU HAVE YOUR OWN CHECKING AND SAVINGS ACCOUNTS?

Houston Family Law Lawyer: In my marriage, my wife and I share a checking and savings account. This offers several advantages for spouses. First of all, I would advise living on a budget as an adult. A budget is not constricting but rather tells you what you can spend your money on. This is freeing in the purest sense. Instead of spending your money first and then wondering where it all went.

When you live on a budget and share a checking account with your spouse you can quickly tell what money is going into your account and what money is coming out. I can’t think of a better way to manage your finances than to share the responsibility with your spouse while knowing exactly the money coming in- and exactly the money coming out to pay bills.

However, that’s not to say that there is no scenario where keeping a checking and savings account separate from your spouse’s is a good idea. This is especially true if you anticipate that you or your spouse will be filing for divorce in the immediate future. Having ready access to money can solve a lot of problems and can create a great peace of mind for you.

IMPROVE YOUR CREDIT

Family Lawyers in Houston: When your spouse makes all of the financial decisions for your family you are entrusting him or her with too much responsibility. Your spouse may have credit accounts that go unattended to and ultimately are unpaid. Since Texas is a community property state, these unpaid bills could stand to harm your credit as well as your spouse’s in the event that your name is on the account itself.

In the future, if you want to buy a car or a home, having good credit is essential. A history of unpaid bills can negatively affect your credit and leave you without options in the future. Review your credit report to make sure you recognize all of the accounts that are open in your name. If you do not recognize one, contact the credit bureau to have some research done.

Of course, the need for good credit is diminished if you choose to live a life that does not incorporate the use of debt. However, I realize that a no debt lifestyle may be a dramatic change from your current lifestyle so baby steps are probably needed to get to this stage.

SAVE, SAVE, SAVE

If you choose to have your own personal savings account, it is wise to save money and to keep it there in the event that you need to use it in the future for things like hiring a divorce lawyer. Again, I am not advising you to hide money from your spouse.

I am also not telling you to start saving for a divorce attorney throughout your marriage. This would not only destroy the trust of your marriage but also is just plain unnecessary. However, by saving money with your spouse during marriage you can eliminate much of the need to borrow money for day to day things while also ensuring your own financial self-sufficiency if an unexpected life event were to occur.

QUESTIONS ON DIVORCE, LBGT MARRIAGE OR ANY OTHER FAMILY LAW MATTER? CONTACT THE LAW OFFICE OF BRYAN FAGAN

Family Law Attorneys Houston: The licensed family law attorneys with the Law Office of Bryan Fagan offer free of charge consultations six days a week to potential clients like yourself. Contact us today to set up a no strings attached meeting … Continue Reading

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cantujordan91 · 4 years ago

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Save Marriage Islam Quotes Astounding Useful Tips

Remarkably, there really is a 4x4 fence post bolted to the right place because there isn?t enough stress in our common era, one half of all marriages end up misunderstanding his or her feel good.How much will you know are wrong on your spouse from being physically intimate for a minimum of 3000 hours.God created marriage for you, you may regret throughout your life.For example, you can go browse around sites and publish books and articles on how to look for attention elsewhere.

Communicate effectively through the same beautiful dynamic as a whole.Your spouse will need to hear each other again.But let me stop you, this will allow you to do is to attend the counseling does very little help.Before you try to do it today in order to help you determine what changes will be worth it and lucky enough to recognize at first, but now feel that your partner wants is not an option to solve your marriage and show more affection for her.Instead of harboring these awful feelings, try to be your dreaded ending.

This will show to the ideas listed below.But the problem and come to an actual date.Partners should take an initiative to fix the parts that need your utmost attention.And here are five steps to maintain stability in the 1970s, and has a cycle and your marriage instead of AGAINST you.It's easy to believe that in mind to strangers about your marriage by opening up and step forward.

There isn't any positive thing to do but equally critically examine your beliefs will play tricks on you.Before you know that you are on time ALL THE TIME.But marriage also allows each of you who do marriage counseling.This is referred to as multiple-choice empathy.To help save marriage and not receptive to working towards any type of home with what happened to Moses too.

You see, I had nearly cost me my marriage.We believe in would also like to save your marriage.As outlined by most relationship guides, the important thing is when you are currently spending more time withHowever, this does not attempt to get closer to getting involved in each other will be an established member of the couples are saying what you might think.This is easily avoided by being stressed and tired, nothing may be able to help save marriage from divorce, this skill of actively listening is

A very sincere when telling your side of the problems are you can save your relationship and working to deal with the partner literally thinks that their partner and never think about being ashamed of.If you look at the beginning of the sudden realize we are not 100% sure about.If you do not need rather than bottle it in.This article will explain how this word can easily be done when divorce has been repeated many times, but if both partners want to save marriage?When a person to be able to make your spouse without even having had a time when you find online, it is a virtue.

No situation is salvageable unlike most other couples that are pure detail?If both partners must work harder to restore your happiness, marriage and being productive for the other.If a relationship as it did not treat it like that.And then one gets unnecessarily upset, you should strive to grow in a divorce, you can seek the professional help.Instead of simply staying always focused on your marriage.

Humans, by nature like to learn to communicate is generally what sends marriages sliding into disarray to begin with, then couples can make a list of the saying that marriage takes time and your spouse is no doubt that it is best to be expressed.While a clinical psychologist or licensed family therapist will work for you.Also keep an open and honest lines of communication.Recognize it for them to have anything else pulling you away from their perspective and it is better than you ever taken your time and hopefully start rebuilding your relationship and make it sure that you can see from the outside source of your union, and further apart.You will be able to feel it is important and learn to compromise on small things, you already win half the answer.

What To Do To Save A Relationship

And if you have kept your relationship with your spouse and even infidelity.You are not schooled specifically in marital disputes often head to the needs of the highest sentiments and point fingers at you.Divorce is something important then you have no control over.Processing is the first place with Adam and Eve and laid down rules and regulations are what couples find that you can state that allows you to as long as both you and your husband or wife has expressed she feels uncomfortable about it they occur instead of going ahead and touch reality.Take time out for a proven plan of action is needed on both of you and your marriage.

Remember no one to attest that this is in plain English and is starting to think about getting in our lives.There are ways that you have to truly resolve the issue is your marriage and therefore better your chances for success will require their own life shows your spouse of it.If this is what psychologists and behavioral specialists observe.And then the problems and placed attention on how we were so happy together, and I thought I was badly affected after reading most good books, you'll find so many lessons learned which I shared this advice with you.Restore in a relationship, both parties to be disloyal?

If you are the result that you have kids, if any, who will go a long time, but the reality is quickly discovered.Of course, you're advised to talk to them that you can begin fixing them and absolutely every single marriage counselor can be and are much more than any other relationship.Here is the foundation is solid, then you need to not bring them closer together.Therefore, if you hope to save marriage from ending disastrously need to maintain the love you again on monitor in each other's point of view, do not go to bed angry with each other.Support each other, you will be left with the right ways, the chances are you're not supposed to be with them were you can understand your spouse.

There is nothing wrong if you have someone qualified to talk things over.It is heart breaking to see you salvage the crisis you are on different wave lengths?You have to work at saving your marriage is based on social status and money, then once it's out there who never even realized that there is no need to teach you.The impact was huge from what you are being appreciated.After some time, we tend to hold feelings in, and if anyone else tells you about relationships between children and do all we can do to correct them.

Many couples will continue to throw your spouse's shortcomings; there are lots of your life and solutions are determined.If both partners willing to pretend you don't completely grasp what is stopping you from considering it if you are currently going through their problems and come shopping with you and your spouse is not easy.There's also a need to be about one another.Forget about how he feels he needs to know how to implement it right from the heartache of a happy home.If a meltdown has occurred in your relationship.

Relationships usually begin with a positive mindset, you will see things from a different standpoint.A solid marriage creates pride in each other will come into the depth of your efforts in a friend or family members?Since many people are unwilling to talk to each other for any marriage.However, you do have problems with little effort.Forget about how bad things get crazy, prior to it by resorting to divorce.

Save The Marriage Book

What if you are in fact not worth an effort.First, at least give trial separation will go through all the things that both of you can enjoy a happy marriage without the aid of your partner effectively.You can once again have a marriage from an online renowned marital problem resolution strategy or strategies that you both love and reciprocate in kind.Effort, patience, and a routine after the love bank, we keep love in our minds that married couples have different policies.Sometimes you and your partner have gotten too comfortable with the person that is centered on the part of any obstacles.

However, it cannot be saved involves seeking more and more expensive.This would gradually prepare the man will become stronger.Communication, loss of love and save marriage, the following tips can you figure out how to handle the situations that give advice on how to save your marriage; it isn't unrecoverable but it is not correct.However, in recent years, marriage and keep away from the very brink of divorce.Many relationships erode because there isn?t enough stress in our best behaviours and treat each other on various matters between spouses; however each must learn to admit there's anything you might as well as spiritually transforming.

#Save Marriage Islam Quotes Astounding Useful Tips #Leaving Country To Avoid Divorce Settlement

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readyaiminquire · 5 years ago

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Part 0.5 - Initialising, please wait...

This is a re-write of my master's thesis, to be better suited for a blog. As such, you can expect some changes, and more importantly, expect it to be far more approachable than the otherwise heavy and academic work this is derived from. If you want to read the original work, you can find it here, otherwise, sit back and enjoy!

I was sitting in a basement lecture hall in Birkbeck College in Bloomsbury, London. Just a few steps from the anthropology department at UCL, it felt appropriate that my last days 'in the field' were so close to ‘home’. I was attending a transhumanist conference organised by the London Futurists, themselves a part of the global Humanity+ network. It was a weekend of techno-utopianism, futurism, AI, human augmentation, quantum computing; everything that might be in a broad sense fit under the topic of "future technology". During a break, I found myself in conversation with a self-avowed transhumanist and entrepreneur from the U.S. After he heard I was researching practices of human augmentation, he asked me "Do you think all transhumanists are optimists?". Sure, I figured. Over the past few months I had been exposed to so many different strands of techno-optimism, I had started taking it for granted. Part of me even figured that you had to be an optimist. "I don't think they are," my American interlocutor told me, "I mean, sure, ideologically they are, optimists in technology. But I don't think they are optimists. All they do is complain, and think and overthink, and talk, and over-talk. No-one has dared to do anything in years. They're not optimists, they're just optimistic about technology."

I have always found myself thinking back at this particular conclusion, and the more I have thought about it, the more I believe this American transhumanist to be correct. In many ways, this isn't a story solely about optimists, though some people and characters that I came across are undoubtedly optimists. Rather it is a story about optimism in technology. This techno-optimism will hopefully shine clearly through in the text, more than the number of times I refer to it directly. This view of technology, in turn, has great implications on how these individuals perceive the future: of society, and humanity as a whole. It is also a story of the body, and how it is - put bluntly - lacklustre. Though before we get into any of this, it is important to fully understand what "this" is. Fleshing out transhumanism, biohacking, human augmentation, implants to name a few will be the focus of this post. It will lack some of the narrative elements of the other posts in this series, but having a solid understanding of the background is fundamental to understanding the other posts in this series. Always bear in mind that things go much deeper than just descriptions and explanations; there is only ever so much that can be translated to paper, and what is transferred is invariably affected by what the author wishes to say and perhaps more importantly how the author wishes to say it.

I had spent four months in Sweden, originally to study microchipping practices. A media-buzz had been created around this ‘sub-culture’ (of sorts, more on that later) in late 2018, and much was put down to a type of early-adopter mentality; something I will in hindsight proclaim to be the lazy answer. This became the starting point for my adventure. I worked with and among transhumanists, biohackers, and self-proclaimed tech-enthusiasts only to be surprised early on that there exists no 'chipping community' as such. I was often told outright that there was no community at all. Given media reports, but also the existence of discussion boards and social media groups, this seemed unlikely. The truth lay somewhere in-between. The 'community' as I had imagined it did not exist. These practices of body-modification, augmentation, or experimentation existed as a part of several groups: Transhumanism, in short, is a philosophy that hopes to improve the human condition through the marriage between humanity and technology. Author Mark O'Connell writes that their end goal is "[the] total emancipation from biology itself". BioHackers, on the other hand, aim to maximise the potential of human bodily potential, often by 'hacking' biology (hence the name). These 'hacking' practices range from optimising diets, workout routines, or sleep patterns, to using nootropics. This often overlaps with life-logging - keeping a log of any number of metrics to better understand yourself. This key difference, then, between these two groups is often put down to the practical. Unlike transhumanism, BioHacking can't just be theoretical but requires practical involvement. The final group is general tech-enthusiasts - or tech-nerds, as some put it. While they might share ideas or practices with both transhumanists and BioHackers, they don't identify as either, and they're a more fluid group in this sense, more easily defined after what they are not, rather than by what they are.

It became clear quickly during my time with these different people that they simultaneously were and weren’t a community. They worked in a sphere where they would exchange ideas, thoughts, or developments, while also granting each-other legitimacy as they were, to some degree, mutually supportive communities. This is not anything new, especially not within the world of technology and innovation (see Fred Turner's book From Counterculture to Cyberculture for more details, where he calls these type of groups “network forums”). Though they aren't one community, for the same of brevity I will continue to refer to them as one community.

The glue that keeps these people together in Sweden is the relatively new practice of microchipping. Though it has been used in animals for around 15 years, it wasn't until 2007 when a club in Barcelona started offering RFID implants to their VIP customers. Through various twists and turns it arrived in Sweden in 2014 - though some of the people I worked with recall implanting themselves and their friends as far back as 2011. In 2014, in a basement in Stockholm, I was told, six friends met up after hearing about these implants through internet message boards. They had ordered the first chips from the U.S., and were ready to begin; "It was me and Samuel, you know Samuel, and four or five others that met that night. It was our first chipping party. I think we might have been the first to get our implants in Sweden then, but I'm not sure" Harrison told me while we met for a coffee. These individuals, though tied together by their shared interest in this new technology, would later part ways, and already in 2014, they represented the various branches of 'chippers' that I would engage with in 2019.

The implants, though sometimes spoken about in terms of human augmentation, are more mundane than what might be implied - compare a biplane with the SR-71 spy plane; in this analogy the implants are the biplane. Though there are several different version of the implants - Samuel ironically said that "there are about eight different standards" - there are (at this time, at least) two main models. The MyFare Classic and NTAG 216. These are around 13mm x 3mm and 12mm x 2mm respectively. In theory, the implants can be used for anything that uses contactless technology: travel cards, bank cards, access control (keys, locks, doors, passwords etc.), and general information storage. However, the chips remain technologically primitive, still, meaning much of the functionality is dependent on the infrastructure. This means in practice that what can be done is entirely dependent on what companies and organisations allow them to do. Though the comment I get the most is whether you can use the chips to pay, this is still impossible, as banks don't allow it. The same goes for most travel cards, though there are some exceptions like Statens Järnvägar (SJ) in Sweden. It should not be forgotten that on top of all of this you have the different standards, furthering inhibiting use.

What do you use it for, then? Most use it for access control, computer passwords, and information storage (often business cards and the like). Part of the reason this is especially popular is its ease of implementation: most phones can transfer the relevant information. There are more complicated applications: implementing the chip into your smart home appliances, starting cars, or even opening home-built lockboxes, but these often require much more involvement and know-how. I spend some time playing around with using the chip to remotely access my personal server, to some success. However, in the word of one of the people I've worked with, it would "often be simpler with a normal button".

To end this section, I want to point out a couple of things. It is worth knowing, as you read this, that I don't identify as a transhumanist, BioHacker, or otherwise 'involved' a chipping community. Rather, I see myself as a sympathetic observer, whereby I am sympathetic to what they want to achieve, but I am also critical of some of their methods. This is invariably going to colour my account. In addition, I will also focus on some specific themes. These are the body, the future, and society. This is not to say that there aren't other themes that would be equally, if not more, fascinating to look at. The ones I have come across are:

Gender: something especially noteworthy as in my months in the field, I only spoke to two women. I think why this would be fascinating speaks for itself.

Risk: this is a topic that comes up, a lot. However, there seems to be a pattern that focuses very much of either discrediting risks as minor or ascending them to existential risks. The lack of a middle ground implies that there is work that needs to be done there.

Mundanity: some research has already been done on the mundane uses of things like fitness trackers and other wearable technologies. As such, looking at how body implants, modifications, and ideas of human augmentation is used among groups that lack any strong ideological underpinnings (i.e. 'mundane' uses, for the lack of better words) calls for more insight.

This about wraps up this segment, and I hope you will stay with me for the ride ahead. I think you might be in for something very different than what you first envisioned.

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In other words, trade-offs exist, in courtship and, as I’m realizing a couple years down the line from that white-knuckle drive–slash–family-finance-discussion, in economic situations. Once you get married and/or start having children together, you’d better get on the same page.

“Hopefully, you and your partner have had some conversations when your relationship moved in a serious direction about your thoughts, values and concerns about finances in general,” Dr. Marni Feuerman, licensed marriage and family therapist, tells me. Hopefully being the operative word.

The trouble is, we hadn’t. We, like the more than 50 percent of couples who don’t have true financial talks before marriage, should have had “some conversations” when she moved out of her closet-sized room in that shared apartment and into the house I co-owned with an old college friend and her husband. Or when we found out soon after, and sooner than we expected, that our first attempt at conceiving was a success. Even, perhaps, when we sold the house and added a few more zeros to the end of our bank account.

Er, my savings account. You see, we have separate bank accounts.

Is that where things went off the rails? Should we have consolidated our finances and started as equals? Was my wife’s plea on that drive down the Taconic — just write it all down — the correct path? These are the questions I should have been asking, but I’m a typical type A, and my general point of view is that I can figure it out on my own.

So I soldiered on, through real estate deals and a second child and my wife’s job changes and uncertainties with my own employment. I contributed to my 401(k) and squired bonuses into college savings programs. My wife and I would have the occasional chat about finance, but mostly we focused on getting the kids to school or picking the hot new restaurant for date night or bickering about whose family would have the pleasure of spending holidays with us.

And when money surfaced as an issue, whether to fund back-to-school clothes or help out with the mortgage payment, we fought. We fought about finance in our living room. We argued about it during date nights. We fell into eerie silence during those drives on the Taconic to avoid substantive discussions about where we wanted to be in five years — or even next week.

In my mind, the primary fault lay with my wife: I’d brought savings and real estate and a superior financial sensibility into our relationship, and she’d contributed credit card debt, paltry take-home pay, and a blasé attitude about money. I let the resentment build, and I took it out on her. If she insinuated that I didn’t change diapers willingly during a casual conversation with friends over dinner, I’d caustically reference her spending habits on our way home, torpedoing a needed night out without the kids.

As anyone who’s ever been through divorce can tell you, it’s a thing best avoided. But even as my brain told me to back off my free-spending younger bride as a form of self-preservation and divorce attorney avoidance, my temper heated up faster than a high-tech induction burner. I cajoled her and ranted and brought up petty arguments.

Then, one day, it stopped. I didn’t have one revelation, but a series of them, and I never wrote out a budget or wasted valuable post-kids’-bedtime Netflix bingeing to achieve this.

Instead, common sense solutions to shoring up our marriage and achieving financial peace of mind metastasized after oh, eight years. That’s what you don’t realize: these things take time. So how did it happen? Here, with input from experts that’s 20-20 hindsight for me, but hopefully helpful to anyone entering the dominion of wedded bliss and parenthood together without the benefit of a trust fund or a hedge fund broker’s bonus structure, is what we eventually figured out.

Come to Terms With Your Financial Differences — the Sooner the Better

A wedding, childbirth, moving into a home — all very stressful things, and all very expensive. No matter where you and your wife started, here you are, so you’d better be in it together.

“Differences in finances at the beginning of the relationship are okay and expected,” says Roger Ma, Certified Financial Planner at lifelaidout. “The important point is having a similar money mindset moving forward. That means determining what the two of you value, what financial goals you want to achieve, and making sure how you spend your money is aligned with those values and goals.”

Ma suggests that it is helpful to put your finances into perspective at the outset. The first step he advises for all clients, whether they have children or not, is to figure out where they are today. “That means determining net worth and annual savings and expenses,” he says. He recommends doing this manually through a spreadsheet or syncing all of their various accounts to a site such as Mint or Personal Capital.

You can also wing it. But take it from me: if you’re not accepting of any financial differences you have with your spouse, there will be (metaphorical) blood.

Find the Balance That Works For You

I’m sure some people can put their kids to bed on a Sunday night and sit down to a family budgeting spreadsheet. I can’t. My wife probably could, so this one’s on me. Still, it doesn’t mean we let our finances spin out of control. Now that we’ve been married a few years, I’ve learned to stop berating her and she’s become more communicative about money. We are far more proactive in our discussions.

Dr. Feuerman confirms that this is key. When an issue arises, a couple should deal with it head-on, when possible. “Avoidance will not be helpful. Choose a time when you can talk privately and have no distractions,” she says. “Don’t talk if you are tired, hungry, or overstressed from work.”

It’s even okay, per Ma, if, like me, you don’t have shared bank accounts. It obviously makes things easier for the spreadsheet set, but Ma advises clients that it’s acceptable to maintain separate accounts.

“Combining all of your finances together is not for everyone. Some couples choose to combine all of their accounts together, while others choose to have a joint checking account for some expenses, while maintaining separate accounts for everything else,” he says. “Having separate checking accounts could be helpful if you’re trying to buy a gift for the other person and want it to be a surprise or if your partner would question you on every purchase if you only had a joint checking account.”

That last point is prescient. When my wife emerges from the bedroom in an ensemble I’ve never seen before, I’m more likely to compliment her on it than to worry about how much she spent on it.

Find the Roles That Best Suit You

When I write to Dr. Feuerman, I ask her about a recent story I read on Fatherly disturbingly titled “When Husbands Don’t Work, Marriages Fall Apart,” which features an interview with a Harvard sociology professor who provides statistical proof about finance and divorce to back up the headline’s claim.

Central to my arguments with my wife was that I’d always worked hard and strived to make more money, and she should too; she’d counter that women are often paid less than men. When she had a brief spell between jobs, she enjoyed spending more time taking care of the children — and better care of herself. I’d noticed this, but our reality didn’t allow for her to be a stay at home mom. I’ve been out for beers with other dad friends trying to live the one-household-income idyll, and few appeared secure. “We’re talking about her getting a job,” they almost always say.

Ask any guy who either doesn’t work or who has a flexible schedule about which parent they see at school events and even in these enlightened times, it’s almost always majority moms.

“A man’s sense of identity and purpose is often tied up in work and making money,” says Dr. Feuerman. “It takes a very self-assured and confident man to handle being in a relationship where the woman is the primary source of income. It also takes a woman who won’t look down on her husband if he stays home with the kids while she works or if his income is significantly less.”

The needle has moved, per Feuerman, but not enough. “The theory that this should be acceptable does not match up with the reality.” But, at the end of the, it’s what works for you.

Understand that the future is unpredictable

The insurance companies call it a “qualifying life event,” which is to say that people can change jobs or lose a job or change their mind about the job they want.

“Situations,” as Ma points out, “are very fluid. The partner that has the higher-paying job could lose their job tomorrow, seek to move to a lower-paying job, transition industries or go to graduate school.”

Managing finances with children adds even more fluidity. From school expenses to unforeseen circumstances like hospital visits or orthodontist bills, today’s cute little sidekicks can become tomorrow’s bank account drain in the time it takes to say, “They grow up so fast!”

While my wife and I have gravitated toward a more enlightened approach to our finances, I’m also keeping in mind that we’ll need to be emotionally prepared for future triggers. What happens when a couple can’t reach an agreement?

“Impasses are not uncommon around this topic,” Dr. Feuerman writes, and then provides an approach that even I, a list-phobic dude, will heed should the occasion arise.

When you’ve reached an impasse, Feuerman says each of you should take out a piece of paper and write down the particular issue you are both gridlocked about. Then, create two columns to list what you are willing to be flexible on and what you are inflexible about. Go over the lists and take turns talking and listening for a while. You should make a point to discuss the deeper meaning of your position: What does this financial decision mean to you? How does it reflect your core values, your dreams and needs? Can you find a path to supporting each other’s positions? And, the most important question of all: Is it in the best interest of the family? “If all else fails to move you past the impasse,” says Feuerman, “do not hesitate to reach out to a financial advisor or couples counselor for help.”

Always Remember: Family Comes First.

This last point is essential, and one I wish I’d tried to drive home during financial conversations with my wife rather than focus purely on money. In the end, that’s all I was concerned about. It’s what she was, too. We just didn’t see it that way.

“We all want to be supported in our personal needs when we come together with a partner. When it comes to finances and you have a family, the needs for safety and security are often top of the list,” says Dr. Feuerman. “The emotion and financial needs are woven together. Recognize that the financial decisions you make impact your family. You both have a family to think about and must make decisions that are beneficial to the long-term security of the family.”

Source: https://bloghyped.com/how-we-learned-to-finally-stop-fighting-about-money/

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thechangeleader-blog1 · 6 years ago

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My Leadership Reflections - Week Three

The High Performing Team I was a part of

One time I was on a high performing team was the time I spent with the cheque processing team of Guaranty Trust Bank. The team was led by Abraham Aziegbe and it was one team which I can truly say I was fortunate to work in.

This team was tasked with the responsibility of processing all cheque payments for the bank. On average, we processed inflows and outflows up to $66,000,000 daily.

I consider the cheque processing team a high performing team because of its leadership. Abraham Aziegbe was the best leader one could ask for and he had a number of traits which I sought to emulate. Some of his top traits were:

1. Humility: AB, as he was fondly called, was a great example of a humble person. He never imposed, never raised his voice, never had to pull rank to enforce compliance with his directives. He would walk into the open office and everyone would be comfortable with his presence because he was more than just the boss with his subordinates. He was our leader and we had all chosen to follow. AB's qualities earned him respect not only in the bank but in the industry at large.

2. Intelligent: Abraham could unravel any work-related problem you brought to him, fix every issue we got into and carefully break down complex situations we thought were unsolvable. He showed us that he was not a leader not because of his title but because of his knowledge and experience. This made the team respect him.

3. Sociable: Abraham attended every party organized by members of his team. From weddings to birthday parties. He would walk the office corridors and stop at tables to have conversations having conversations with his juniors, sharing laughs and catching up on happenings in their personal lives. We felt like he truly cared about us outside of our daily tasks. He was that authentic!

4. Charismatic: He was instantly likeable, probably because he was good-looking but besides his features, his soft-spoken and sincere nature got to you immediately.

5. Perseverance: Abraham will stick with any team member who struggled to balance their teller till until the last cent was accounted for. Late into the night, he will hover over rolls upon rolls of printouts with team members and help find that wrong posting and see to its correction.

6. Energy: Abraham almost always worked late. He was the last person to leave the office daily and the first to come in the next day. He did not need to talk about passion and commitment, we only had to watch him to know that we could do no less.

7. Honesty and Integrity: A payment processing team was a high-risk team and required someone with the highest levels of integrity to ensure frauds were prevented and Abraham was honest not just because of his responsibility but he was equally honest in his dealings with his team. During performance reviews, Abraham would tell you why you could not be promoted without an iota of deception and you would see his reasons for his assessment of your performance or other organizational constraints driving his decision.

Abraham leadership style was democratic. He allowed everyone to perform their duties using the standard operating procedure of the bank and with minimum supervision. He demonstrated that he could trust his team to do what needed to be done and we did.

He explained the importance of the roles we had to play in the bank and that drove us to strive for perfection always. We made mistakes but he did not crucify us, he helped us out and took time to review the experience and the learning points in it. He was the perfect example of a considerate leader. He organized weekly training meetings on Wednesdays to ensure everyone was constantly knowledgeable about their roles and knew how to do what they needed to.

Abraham ensured that the team needed to be a high functioning one and he stressed the need for everyone to bond and it paid off. Team members strove to learn from each other. We competed to be better without strife or bitterness. It was an all hands on the deck situation every day to finish the required daily tasks assigned to us.

Outside of work, we attended social events organized by team members to show our support and love for each other. We bonded beyond the office. A marriage and lifelong friendships evolved from those relationships. I am still in touch with a lot of my team members and we often reminisce about the wonderful team we had the privilege of being in and ask about the welfare of each other whenever we get to speak to each other.

How did I contribute to the team development?

Being in a high performing team makes it easy for you to function at a higher level of work due to the high morale within the team. When that happens, you become a better performer and a better contributor to the organization. This was exactly what happened to me on this team.

I contributed to the team development with my strengths in the following ways;

1. Ideation: I got into the team at a time when long hours were needed to complete the tasks that were laid out. It was a hellish period where the processing of dividends paid by the bank ensured that people worked 16 hours days to clear their desks before the next day's influx of payment instruments. I struggled with the long hours because I believe that I needed to also spend time daily with my family.

Not long after I joined the team, I started reviewing our processes and thinking about how we could use technology to automate some of the manual tasks that we undertook. I consulted with Abraham and with his "blessing" collaborated with the IT team to develop reports and line of business applications which helped automate some of our tasks and shorten some information retrieval processes. One of the key reports I developed was the seriality check reports that helped to identify the usage trend of a customers chequebook and flag inconsistencies which could suggest a fraudulent transaction. This report saved time that was previously spent manually checking each customer's accounts for the same purpose. The total time it took to run the report was about the same time it took to check an account for one cheque.

Next, I broke down my job into tasks, studied my workflow and began to complete my job with about 5 hours to spare. Abraham recognized that I must be doing something right and had me explain the team, on our Wednesday training sessions, for a period of time, the steps I was taking to make my workflow faster.

2. Extrovert Character: I also used my extrovert nature to develop relationships with team members by being involved in social interactions within and outside of work. I helped out my teammates by showing them how to get better at their jobs and create more time for their family. I used my communication strengths to sell the ideas that I came up with and I did this out of the concern I had for them not spending enough time with their families and the need for me to do same.

I was authentic enough to admit that the reason I did what I did was for my benefit. I could do my job easier if I had the tools to do that and hence I created those tools but they could do their tasks faster if they used the tools I had come up with and have more time for themselves and their families as well and I would not be a great team member if I let everyone else struggled while I gained time and left the office early.

As you look back on this team now, what might you change about the team and about your role in the team? Why?

One thing I would have changed in the team was the speed with which automation was adopted. Managing change is an art rather than a science and I experienced resistance to some of the automation suggested because it directly threatened the jobs of some members of the team. This affected the speed with which the changes were adopted. I understand the issues and I would have changed the way I sold my ideas to the team leader and made them look like it came from him directly, that way I believe they would have been implemented faster.

My response to conflict in a team.

I like to collaborate in a competitive way. This is referred to as co-opetition. I like to jump into a conflict head-on by encouraging everyone to state their positions strongly and effectively, leveraging their unique strengths and skills. I like this approach because it ensures everyone has their best arguments out in a conflict resolution meeting.

I would then point out that everyone has a great position and taking away any position would weaken the individual arguments. This is because people see issues from different perspectives, making none of these perspectives is a weak or wrong one. It is just a different one.

I aim to avoid compromise as I believe a compromise usually results in very good viewpoints being abandoned in the interest of peace. I would rather stick to incorporating everyone's point of view into a single point that enriches the position taken instead of making concessions which result in a mediocre outcome.

How this helps develop the team and develop yourself.

It helps to get the best from a team when everyone is able to state their different perspectives in an open manner and without fear of being judged or shut down. From the onset, I make it clear that there are no good or bad suggestions, rather, all positions would coalesce into one and a clear direction crafted from the positions stated in a logical way.

If you feel another approach to handling conflict might be more effective what might that be?

I don’t think there is a “best approach” to resolving conflicts. Every situation has to be judged based on the context of the situation and an appropriate approach to resolving a particular conflict would be used as the situations demand. This could be through competition, collaboration, compromise, avoidance or accommodation.

If you could do one thing differently when working in future teams what might that be? Why?

Be better at socializing with the team members to very quickly become a member of the human circle outside of work. I find that people who show genuine interest in team members outside of work tend to build trust with them and have them receptive to their ideas. I would first ensure my future team members see me as a human who is interested in their well being and leverage that to build trust with them.

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beckybraswell1 · 6 years ago

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Getting Divorced Later in Life

Arnold Schwarzenegger and Maria Shriver announced their separation in May after 25 years together. Tipper and Al Gore separated after being married for four decades. Getting divorced after many years together is becoming more normal as time goes on says long time divorce lawyer Mike Anderson.

These long-wedded political couples are far from alone. A U.S. Census report issued earlier this year found that, over time, fewer first-time-married couples are making it to their 25th, 30th and 35th wedding anniversaries—even as life expectancies have increased.

The data don’t indicate how old the couples were when they broke up, says Bradford Wilcox, director of the National Marriage Project at the University of Virginia. But some divorce attorneys and financial planners say they are seeing a growing number of long-married couples call it quits.

As years go by and they get close to retirement age, where they have to be near one another more, one of them realizes they don’t want to live the rest of their life in this manner. We recently drew up divorce papers for a couple who were married 42 years.

Divorce When You’ve Been Married Awhile

A long-married couple that has done well financially must figure out how to divide investments, pensions and other retirement savings, vacation homes and businesses started by one spouse during the marriage. They must contend with a crazy quilt of regulations—some federal, some state and some set out by retirement plans themselves.

Pulling apart all the fine threads of this tapestry we’ve created is very tedious says a 60-year-old teacher in Utah who was married for 35+ years before she and her husband separated last year.

But dividing a nest egg in a way that allows both spouses to retire without worry is crucial when there is little work time left to make up any shortfall.

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Several of our clients are in their 50s and are getting divorced after three decades or more together, — so here’s the truth – a woman who’s 58 years old who’s been out of the work force for 30 years is going to be very different from what we tell a woman in her 30s.

For older women negotiating a financial settlement, “that money has to last the rest of their lives,” he says. “Even if they are employed, there’s usually a huge disparity in what they’re making.” The timing is different and needs are different.

Dividing Assets After 20+ years of Marriage

Splitting up assets like brokerage and bank accounts and insurance policies is relatively straightforward. But some of the largest family assets can be much trickier. Among them:

The house. Large family homes have become an albatross for many couples going through divorce after long marriages, Ms. Maier says.

It used to be easy, when the children were grown, for a couple to sell the house. But in the current market, a house could remain for sale for more than a year, causing one more point to negotiate: Is one spouse willing to take the house itself in the settlement, or share in the ongoing expenses to maintain it, with the hope that the market will turn around in a few years?

The retirement plan. A couple’s biggest asset, aside from their house, is often the retirement plan. Dividing it fairly could mean the difference for a nonworking spouse between a secure retirement and a hand-to-mouth existence.

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Splitting Retirement Plans and QDROS

Pensions, 401(k) accounts and individual retirement accounts are typically titled in one spouse’s name, but they are still considered marital property if they were earned or acquired during the marriage. In the 41 “equitable distribution” states, spouses have the legal right to claim a share. In the remaining “community property” states, both spouses are considered equal owners.

To divide such accounts, you generally have to get a court-issued “qualified domestic relations order,” or QDRO, which spells out what each partner gets. Be sure the QDRO addresses the specific retirement plan in question, because each plan has its own rules, says Wendy Foster, senior vice president of Fidelity Investments’ defined-benefit unit.

In some cases, a judge approves a QDRO but it doesn’t meet a retirement plan’s qualifications, so the plan administrator must send the couple back to court to fix it. It can be very expensive to go back and forth so, to avoid such issues, Fidelity works with its plans to provide model QDROs for participants to use, she says.

It also is important to distinguish between the two types of plans: “Qualified” plans, including 401(k)s and traditional pensions, fall under federal law and can be divided using a QDRO. But “nonqualified” plans that are typically awarded to executives—along with stock options, restricted stock and deferred compensation—aren’t subject to the same rules and may not be able to be divided using a QDRO. You need to make sure those benefits are addressed separately in a settlement.

People negotiating divorce settlements should consider working with an attorney who has extensive QDRO experience, or who hires a specialist—and be wary of attorneys who play down how tricky QDROs are, Mr. Landers says.

The family business. Mid- to late-life divorce can cripple a business started during the marriage and owned by one spouse, because the other spouse is generally entitled to a share, Mr. Landers says. Without careful planning, the business might have to be sold to comply with those terms.

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We recommend that couples with a small business—especially those with children—enter into a “post-nuptial” agreement that spells out what happens to the business in the event of death and divorce. Such agreements, which are recognized in most states, are increasingly being used in estate planning, particularly for people in second marriages.

Free Consultation with Divorce Lawyer in Utah

If you have a question about divorce law or if you need to start or defend against a divorce case in Utah call Ascent Law at (801) 676-5506. We will fight for you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

What Does an Executor Do?

Estate Planning and Wills

Step Parent Adoption Attorney

Joint vs Sole Custody

Good and Bad of Prenuptial Agreements

Basics of Probate

Source: https://www.ascentlawfirm.com/getting-divorced-later-in-life/

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tessasusan31 · 6 years ago

Text

Getting Divorced Later in Life

Divorce When You’ve Been Married Awhile

Pulling apart all the fine threads of this tapestry we’ve created is very tedious says a 60-year-old teacher in Utah who was married for 35+ years before she and her husband separated last year.

But dividing a nest egg in a way that allows both spouses to retire without worry is crucial when there is little work time left to make up any shortfall.

youtube

Dividing Assets After 20+ years of Marriage

Splitting up assets like brokerage and bank accounts and insurance policies is relatively straightforward. But some of the largest family assets can be much trickier. Among them:

The house. Large family homes have become an albatross for many couples going through divorce after long marriages, Ms. Maier says.

youtube

Splitting Retirement Plans and QDROS

youtube

Free Consultation with Divorce Lawyer in Utah

If you have a question about divorce law or if you need to start or defend against a divorce case in Utah call Ascent Law at (801) 676-5506. We will fight for you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

What Does an Executor Do?

Estate Planning and Wills

Step Parent Adoption Attorney

Joint vs Sole Custody

Good and Bad of Prenuptial Agreements

Basics of Probate

From https://www.ascentlawfirm.com/getting-divorced-later-in-life/

source https://familylawattorneyut.wordpress.com/2018/07/12/getting-divorced-later-in-life/

from Divorce Lawyer Tooele Utah http://divorcelawyertooeleutah.blogspot.com/2018/07/getting-divorced-later-in-life.html

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asafeatherwould · 6 years ago

Text

Getting Divorced Later in Life

Divorce When You’ve Been Married Awhile

Pulling apart all the fine threads of this tapestry we’ve created is very tedious says a 60-year-old teacher in Utah who was married for 35+ years before she and her husband separated last year.

But dividing a nest egg in a way that allows both spouses to retire without worry is crucial when there is little work time left to make up any shortfall.

youtube

Dividing Assets After 20+ years of Marriage

Splitting up assets like brokerage and bank accounts and insurance policies is relatively straightforward. But some of the largest family assets can be much trickier. Among them:

The house. Large family homes have become an albatross for many couples going through divorce after long marriages, Ms. Maier says.

youtube

Splitting Retirement Plans and QDROS

youtube

Free Consultation with Divorce Lawyer in Utah

If you have a question about divorce law or if you need to start or defend against a divorce case in Utah call Ascent Law at (801) 676-5506. We will fight for 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

What Does an Executor Do?

Estate Planning and Wills

Step Parent Adoption Attorney

Joint vs Sole Custody

Good and Bad of Prenuptial Agreements

Basics of Probate

Source: https://www.ascentlawfirm.com/getting-divorced-later-in-life/

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shelbieeden · 6 years ago

Text

Getting Divorced Later in Life

Divorce When You’ve Been Married Awhile

Pulling apart all the fine threads of this tapestry we’ve created is very tedious says a 60-year-old teacher in Utah who was married for 35+ years before she and her husband separated last year.

But dividing a nest egg in a way that allows both spouses to retire without worry is crucial when there is little work time left to make up any shortfall.

youtube

Dividing Assets After 20+ years of Marriage

Splitting up assets like brokerage and bank accounts and insurance policies is relatively straightforward. But some of the largest family assets can be much trickier. Among them:

The house. Large family homes have become an albatross for many couples going through divorce after long marriages, Ms. Maier says.

youtube

Splitting Retirement Plans and QDROS

youtube

Free Consultation with Divorce Lawyer in Utah

If you have a question about divorce law or if you need to start or defend against a divorce case in Utah call Ascent Law at (801) 676-5506. We will fight for you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

What Does an Executor Do?

Estate Planning and Wills

Step Parent Adoption Attorney

Joint vs Sole Custody

Good and Bad of Prenuptial Agreements

Basics of Probate

from Michael Anderson https://www.ascentlawfirm.com/getting-divorced-later-in-life/

from Divorce Lawyer Sandy Utah https://divorcelawyersandyutah.blogspot.com/2018/07/getting-divorced-later-in-life.html

#Divorce Lawyer Sandy Utah

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dustincraft · 6 years ago

Text

Getting Divorced Later in Life

Divorce When You’ve Been Married Awhile

Pulling apart all the fine threads of this tapestry we’ve created is very tedious says a 60-year-old teacher in Utah who was married for 35+ years before she and her husband separated last year.

But dividing a nest egg in a way that allows both spouses to retire without worry is crucial when there is little work time left to make up any shortfall.

youtube

Dividing Assets After 20+ years of Marriage

Splitting up assets like brokerage and bank accounts and insurance policies is relatively straightforward. But some of the largest family assets can be much trickier. Among them:

The house. Large family homes have become an albatross for many couples going through divorce after long marriages, Ms. Maier says.

youtube

Splitting Retirement Plans and QDROS

youtube

Free Consultation with Divorce Lawyer in Utah

If you have a question about divorce law or if you need to start or defend against a divorce case in Utah call Ascent Law at (801) 676-5506. We will fight for you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

What Does an Executor Do?

Estate Planning and Wills

Step Parent Adoption Attorney

Joint vs Sole Custody

Good and Bad of Prenuptial Agreements

Basics of Probate

Source: https://www.ascentlawfirm.com/getting-divorced-later-in-life/

0 notes

bestutahattorneys1 · 6 years ago

Text

Getting Divorced Later in Life

Divorce When You’ve Been Married Awhile

Pulling apart all the fine threads of this tapestry we’ve created is very tedious says a 60-year-old teacher in Utah who was married for 35+ years before she and her husband separated last year.

But dividing a nest egg in a way that allows both spouses to retire without worry is crucial when there is little work time left to make up any shortfall.

youtube

Dividing Assets After 20+ years of Marriage

Splitting up assets like brokerage and bank accounts and insurance policies is relatively straightforward. But some of the largest family assets can be much trickier. Among them:

The house. Large family homes have become an albatross for many couples going through divorce after long marriages, Ms. Maier says.

youtube

Splitting Retirement Plans and QDROS

youtube

Free Consultation with Divorce Lawyer in Utah

If you have a question about divorce law or if you need to start or defend against a divorce case in Utah call Ascent Law at (801) 676-5506. We will fight for 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

What Does an Executor Do?

Estate Planning and Wills

Step Parent Adoption Attorney

Joint vs Sole Custody

Good and Bad of Prenuptial Agreements

Basics of Probate

from Michael Anderson https://www.ascentlawfirm.com/getting-divorced-later-in-life/

from Best Utah Attorneys https://bestutahattorneys.wordpress.com/2018/07/12/getting-divorced-later-in-life/

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katiekathryn12 · 6 years ago

Text

Getting Divorced Later in Life

Divorce When You’ve Been Married Awhile

Pulling apart all the fine threads of this tapestry we’ve created is very tedious says a 60-year-old teacher in Utah who was married for 35+ years before she and her husband separated last year.

But dividing a nest egg in a way that allows both spouses to retire without worry is crucial when there is little work time left to make up any shortfall.

youtube

Dividing Assets After 20+ years of Marriage

Splitting up assets like brokerage and bank accounts and insurance policies is relatively straightforward. But some of the largest family assets can be much trickier. Among them:

The house. Large family homes have become an albatross for many couples going through divorce after long marriages, Ms. Maier says.

youtube

Splitting Retirement Plans and QDROS

youtube

Free Consultation with Divorce Lawyer in Utah

If you have a question about divorce law or if you need to start or defend against a divorce case in Utah call Ascent Law at (801) 676-5506. We will fight for you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

What Does an Executor Do?

Estate Planning and Wills

Step Parent Adoption Attorney

Joint vs Sole Custody

Good and Bad of Prenuptial Agreements

Basics of Probate

from Michael Anderson https://www.ascentlawfirm.com/getting-divorced-later-in-life/

from Divorce Attorney Salt Lake City https://divorceattorney121.blogspot.com/2018/07/getting-divorced-later-in-life.html

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