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Tying the Knot Ups Women’s Drinking Rate, Lowers Men’s

21August
2012

Research in the past has shown men drink more alcoholic drinks than women, though recent research has shown  women are beginning to catch up with men.  New research conducted by the University of Cincinnati, however, shows  when men and women marry, women’s drinking increases while men’s decreases.  According to study author Corinne Reczek, an assistant professor at the university, “men’s drinking is tempered by marriage, while women’s is exacerbated.”

The study conducted by Reczek and colleagues examined the results of surveys from 1993 and 2004, and then looked at over 5,300 people and tracked them over time.  The researchers also interviewed 130 people directly.

The study conducted by the university also compared drinking rates and divorce and found the opposite effect to be true.  Men drink more when divorced and women drink less.  Reczek said, “We find that unmarried and divorced women actually drink less than their continuously married counterparts.  For men, those who were recently divorced have the highest number of drinks and men who are married have the lower number.”

Why is this so?  Women say, in most cases, their husbands introduced them to alcohol and they drink more because their husbands drink.  Once they divorce, they drink less because the person encouraging them to drink is no longer in their lives.  Men, though, tend to turn to alcohol to cope with stress and also, once single, begin to hang out with their single male friends who enjoy drinking and, thus, drink more than when they were married.

Why would the information revealed in this study be important? According to Mary Waldron, an assistant professor of Human Development at Indiana University, it’s important “to consider the role of marriage and transitions out of marriage, through divorce or widowhood, on risks for heavy or problem drinking, including risks for the next generation,” as research has shown that those children growing up in a home where alcohol is abused have a four times higher chance of developing an addiction to alcohol than those children growing up in a home where alcohol is not abused.

Posted in Divorce |
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Courtroom Etiquette During Divorce Proceedings

19August
2012

When a couple divorces, eventually they will have their day in court.  What you do and say and even what you wear while in court will not only reflect upon you, but could even affect the outcome of your case as well.  It is important to have proper courtroom etiquette during your divorce proceedings.

What you wear is important.  You want to make a good impression by wearing your best business clothes.  Men should wear a suit if they own one, and, if not,  wear a nice pair of slacks, a nice shirt and dress shoes.  Leave the hats, sunglasses and excessive jewelry at home.

A woman should wear a conservative suit, dress, or long skirt and blouse combination, and also should not wear hats, sandals, wild nail color or excessive jewelry.

A court room is a formal place and has its own code of conduct.  Most people have seen courtroom shows on TV, such as “Judge Judy”, and know to rise when a judge enters the courtroom.  When a judge asks you for something, you actually do not give it to him or her, you hand it to the clerk who will then hand it to the judge.  In the courtroom, you address everyone by their formal title.  When addressing the judge, you will always say, “Your Honor.”

Make sure you are on time for your hearing as a court has a very busy schedule.  Do not chew gum, swear, use slang, eat or drink, talk or text on your phone, talk out of turn, leave the courtroom before you are excused, or slouch and appear disinterested in the proceedings while you are in the courtroom.

One last important tidbit of information; always allow your divorce lawyer do the talking for you, as he is there to fight for your best interests.  You only speak in the courtroom to answer a question the judge directs to you.

By using proper courtroom etiquette, you will appear credible before the judge, which in turn, could favorably help the outcome of your case.

Posted in Divorce |
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Divorce and Its Impact on Paying for College

15August
2012

Most parents hope their children will attend college and earn a degree.  In fact, many parents either pay for or help pay for their children’s college education.  With the cost of college rising these days, it is becoming more difficult for parents to pay for this education.  According to U.S. News and World, the average tuition for a private university is more than $35,000 per year, while the average cost of a public university is approximately $20,000 per year.  With these astronomical costs, it is easy to understand why parents are having a hard time financing their children’s education.  Unfortunately, the impact of a divorce makes it even more difficult to help children through college.

A study published by professors at Rice University and the University of Wisconsin found that those children whose parents divorced received less financial help with college than those children whose parents did not divorce.  Parents who stay married usually cover about 77 percent of their child’s tuition, which is approximately 8 percent of their incomes.  Those parents that are divorced, cover only about 42 percent of their child’s tuition, which is approximately six percent of their incomes.

Though it is extreme, a child may sue his parent for failure to pay for his education.  One young woman had a signed contract with her father in which he agreed to pay for her education until she was 25 years-old as long as she diligently attended her classes.  Unfortunately, after her father and mother divorced in her senior year, he stopped paying for her college education even though she was still diligently attending her classes.  The daughter filed suit against her father, and the judge sided with the daughter, awarding her $47,000 plus attorney fees.  If facing a divorce, it is best to address the issue of financing your children’s education during the divorce process.  By doing this, a parent can avoid a situation like the one above.

If you find yourself facing the prospect of a divorce, an experienced divorce attorney will answer any questions you may have and work diligently to pursue the best possible outcome on your behalf.

Posted in Divorce |
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Divorce and Financial Preparation

8August
2012

When a marriage is heading downhill, there may be a change in the financial status within the household.  Joint checking and credit card accounts may begin to show unusual activity, that of unexplained charges or cash withdrawals.   A spouse, even though their marriage is deteriorating, may decline to discuss a divorce until they have secured the family cash and assets in a different account.  In the divorce proceedings, a  judge will require all of the assets returned to their prospective accounts eventually, but this takes time and there is no guarantee that all assets will be returned.

It is, therefore, beneficial for those contemplating divorce to be proactive in protecting their marital assets, and securing copies of accounts.  Make sure you have copies of all bank and credit card statements, recent 1040 tax returns, and W-2s and 1099’s, or any other financial accounts you may have.  You will also need  copies of insurance policies, retirement plan statements, pension plans, wills, codicils and trusts.  A copy of every vehicle and real property owned will be needed, as well.

If you or your spouse own a business or are self-employed, make copies of business ledgers, financial journals, payroll, sales tax returns and expense account records.  A video  or Excel/photo inventory of each room and its contents will be helpful in determining the value of your assets and also show items that may be missing, too.  If you have any fine art, antiques, jewelry or collectibles, a copy of the appraisal for all items will be needed.  Finally, make copies of your spouse’s pay stub for the past couple of months and also for the recent end of year.

By planning ahead, you will  protect your assets before your spouse has the chance to conceal, transfer or sell marital items, and you will have the ease of mind knowing that you will receive your fair share when your divorce is finalized.

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How to Tell Children About Divorce

4August
2012

Making the decision to divorce is always a traumatic and emotional decision.  This decision is made even more painful when a couple have children.  How to tell your children you are ending your marriage takes tact, maturity and kindness.

No matter which parent is filing the petition, both need to think about the well being of their children.  Parents need to put aside their feelings of hurt and anger towards each other when informing their children of their upcoming divorce.  It is best if both spouses are present while telling your children of your decision, as this sends the message that both parents love their children and also  the children can count on both parents to be there for them.

It is very important for parents to keep their emotions in check and not blame each other for the divorce.  Parents can be honest in telling their children the reasons why they are divorcing without going into too many details that can cause pain and anguish to their children. It is essential to let your children know they are not the reason behind your divorce.

While breaking the news of your divorce, this is also a good time to bring up the changes that will be occurring in your children’s lives.  Explaining such things as living accommodations, visitation schedules and any other changes that might take place as a result of the divorce, will help them prepare for the divorce.  It is very important to reassure your children at this time they will be able to maintain the quality relationship they have with both parents and the divorce will not change your love for them.   However, it is also important to be practical and honest at this time and not make promises you cannot keep.

Do not expect your children to act positively to the news of their parent’s upcoming divorce.  Even though you may as kindly and tactfully as possible relate this information, your children may cry, show anger or even stop talking to you.  Children are very sensitive and have trouble expressing and handling intense emotions.  They will need time to become accustomed to the thought of their parent’s marriage ending.

Although divorce is a difficult and emotional time in a child’s life, a parent by following the above advice, can help their children adjust and cope with not only the divorce itself, but assist them in living a healthy, successful life afterwards, as well.

Posted in Divorce |
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Helping Children Cope with Divorce

31July
2012

Divorce is a very emotional, stressful and turbulent time in a couple’s life.  At times, however, the the divorcing couple forgets that not only they are going through this difficult time, but their children are as well.  For children, the divorce process is stressful, sad and confusing.  No matter what the age of the child, he can have feelings of confusion and anger at the thought of his parents splitting up.  It is up to the parents to make the divorce process as painless and stress free as possible for their child.

There are many ways parents can ease the stress and pain of divorce for their child.  A child needs to have as stable a life as possible after his parents divorce.  The non-custodial parent needs to stay active in his child’s life, whether it be by writing letters, making phone calls, emails and by doing many of the same activities you did with your child before the divorce.

Make sure you do not argue with each other in front of your child.   When parents do not agree on matters related to their child and fight and argue in front of their child, he feels guilty and may think he has done something wrong to merit this contention.  Another aspect of behavior that goes along with this is to make sure you do not speak badly of the other parent, as your child does not want to hear negative opinions about a person he loves.  Parents need to communicate directly with each other and not expect their child to be the messenger.  A parent is an adult, and needs to act like an adult by putting all petty differences aside for his child’s sake.

By following these suggestions, ex-spouses should be able to create a friendly, nurturing atmosphere for raising their child and helping that child cope not only during the divorce process, but with his life after the divorce, as well.

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Divorce and Social Security Payments

21July
2012

More older Americans are getting divorced today and will more than likely be informed by their lawyer or accountant on how the divorce will affect their Social Security benefits.  However, those people who divorced years ago, may not realize this and as a result, may be receiving less benefits than they are entitled.

Social Security rules apply to both genders, but because the majority of women typically have earned less over their lives than men, they are more likely to be collecting lower benefits than they might be eligible for based on the earning history of their former spouse. 

With Social Security,  retired people can either collect benefits based on their own earning history, or 50% of their spouse or former spouse’s benefit if it is greater than their own.  If the spouse is deceased, then the person can collect 100% of his or her spouse or former spouse’s benefits.

Of course, there are certain rules that pertain to collecting a former spouse’s benefits.  The marriage to a former spouse must have lasted ten years or more and the person seeking the benefits must currently be unmarried, or married after the age of sixty.  Even if a former spouse remarried, a ex-wife or ex-husband can still seek the benefits, as it will not affect what the current spouse will receive. 

There are more options available for those people who have not yet reached full retirement age, 65 or 66, depending on their birth date.  If the former spouse is 62 years or older, regardless or not if he or she has begun to collect  Social Security benefits, the person seeking benefits can begin to receive a reduced benefit based on the former spouse’s earning record, provided the divorce took place at least two years prior.  If more beneficial, the seeker later on can switch to his own benefits. 

If a former spouse is deceased, then a benefit seeker can begin collecting a reduced widow(er)/divorced  benefit at age 60, and  has the option later on to switch to his own benefit at full retirement age, if the amount is greater.

It would be beneficial for family members who are assisting with the finances of elderly parents that have been divorced to request a Social Security benefits review on the behalf of  their parent to find out if the parent may be eligible for an increase in benefits based on their former spouse’s earning history.

Posted in Divorce, Divorce and Social Security Benefits |
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