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	<title>Divorce Angel</title>
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	<link>http://divorceangel.com</link>
	<description>Your Guide for Managing the Challenges that come with Divorce</description>
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		<title>Divorce and Your Mental Health</title>
		<link>http://divorceangel.com/divorce-and-your-mental-health/</link>
		<comments>http://divorceangel.com/divorce-and-your-mental-health/#comments</comments>
		<pubDate>Wed, 20 Feb 2013 21:24:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Therapy]]></category>
		<category><![CDATA[Mental Health]]></category>

		<guid isPermaLink="false">http://divorceangel.com/?p=329</guid>
		<description><![CDATA[By Kathy Kane, LCSW

Divorce is one of the most emotional experiences you will ever face. The process can be overwhelming. But, it need not be, if you are able to move through it with intention, hope and confidence. Your attitude can help you get through your divorce. By taking charge of the divorce process, as well as your emotions,]]></description>
				<content:encoded><![CDATA[<p><a title="Kathy Kane" href="http://divorceangel.com/professional-contributors-2/kathy-kane/">By Kathy Kane, LCSW</a></p>
<p>Divorce is one of the most emotional experiences you will ever face. The process can be overwhelming. But, it need not be, if you are able to move through it with intention, hope and confidence. Your attitude can help you get through your divorce. By taking charge of the divorce process, as well as your emotions, you can regain some control over your life’s situation.</p>
<p><strong>Be Informed About Divorce</strong><br />
Inform yourself about the divorce process. Take the time to find an attorney that fits you and who you feel has your back. Don&#8217;t be afraid to ask questions. As best you can, try to treat your divorce as a business transaction; keep the emotions out of your lawyer&#8217;s office. Make sure to understand all your options before making decisions. Information is knowledge and knowledge is power!</p>
<p><strong>Staying Sane Throughout the Process</strong><br />
Understand that you are grieving your marriage, which is normal and to be expected. You are experiencing losses you probably never expected. To help get you through this difficult time, develop a support network including friends, family, church, parenting groups, divorce groups, and/or a therapist. Self-care is mandatory!</p>
<p><strong>Mind Set</strong><br />
A number-one coping strategy is to get yourself in a position of not wanting or needing much from your ex-spouse. The less you want from him/her, the less frustrated and helpless you will be. Realistically, if you couldn&#8217;t change your ex when you were married, the likelihood that you will change him/her now is pretty slim! Also, realize that most likely you will not ever get the vindication or apology you want or feel you deserve. Taking control of your life, getting organized, feeling supported, and making informed decisions are empowering.</p>
<p><strong>Moving Forward</strong><br />
It’s important to give yourself the opportunity to explore and make conscious choices about the life you want to lead post-divorce. Envision what you would like life to look like when you are ready to start moving on, and think about what you need to do to get there. Your goal should be to create a better life today than the one you had before. Dreams count!</p>
<p><strong>Your New Found Time</strong><br />
If you have children, most likely you will have to get used to sharing them. They will be spending part of the time with your ex and part with you. You cannot control what goes on when your kids are with their other parent. So you must learn to let go and stop worrying  about what is happening at the other house. You can use the time when your kids are not with you to pursue your interests and take care of yourself. Maybe now you will have the time to do things you enjoy, spend quality time with friends, or pursue a new activity or hobby.<br />
<em>Time for the Serenity Prayer: God grant me the serenity to accept the things I cannot change; courage to change the things I can; and wisdom to know the difference.</em></p>
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		<title>Review Your Beneficiaries</title>
		<link>http://divorceangel.com/review-your-beneficiaries/</link>
		<comments>http://divorceangel.com/review-your-beneficiaries/#comments</comments>
		<pubDate>Wed, 13 Feb 2013 18:57:03 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://divorceangel.com/?p=213</guid>
		<description><![CDATA[Be sure to review the beneficiaries of any life insurance that you may have. You might have policies or assets that you don’t think about such as your employer sponsored life insurance or an investment or savings account such as a 401(k) or Individual Retirement Account. In my Human Resources career I have seen occasions [...]]]></description>
				<content:encoded><![CDATA[<p>Be sure to review the beneficiaries of any life insurance that you may have. You might have policies or assets that you don’t think about such as your employer sponsored life insurance or an investment or savings account such as a 401(k) or Individual Retirement Account. In my Human Resources career I have seen occasions where an employee forgot to change their beneficiary and when the employee died, we had to pay the company life insurance to the ex-spouse rather than to the current spouse or children.<br />
If you make your minor children the beneficiaries of your life insurance, the payment will be held until a guardian is named and that person files a claim on behalf of your minor children. To simplify the payment you can name a trustee to receive the proceeds on behalf of your minor children. That person should also be named in your will with any specific directions on how you wish them to manage the funds on behalf of your children. You can get simple wills done inexpensively so shop around before retaining an attorney to write one for you.<br />
Also name a secondary or third-level beneficiary in the event that your primary beneficiary is not available to receive the benefit. While you are at it you may want to change the emergency contact information that you have given to your employer.</p>
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		<title>Questions to guide you in determining the best legal options</title>
		<link>http://divorceangel.com/questions-to-guide-you-in-determining-the-best-legal-options/</link>
		<comments>http://divorceangel.com/questions-to-guide-you-in-determining-the-best-legal-options/#comments</comments>
		<pubDate>Tue, 12 Feb 2013 05:40:09 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Legal]]></category>

		<guid isPermaLink="false">http://divorceangel.com/?p=111</guid>
		<description><![CDATA[by Mary Whipple

How do I find an attorney?

Ask your friends and family members about their experiences. The best way to find a good attorney is by asking someone about their first hand experience.  Absent a referral from a friend or family member, ]]></description>
				<content:encoded><![CDATA[<p>by <a title="Mary Whipple" href="http://divorceangel.com/professional-contributors-2/mary-whipple/">Mary Whipple</a></p>
<p><strong>How do I find an attorney?</strong></p>
<p>Ask your friends and family members about their experiences. The best way to find a good attorney is by asking someone about their first hand experience.  Absent a referral from a friend or family member, your local bar association will have a Lawyer Referral Service that will provide you the name of a qualified lawyer in the area of law you need, a consultation with the attorney will be provided for a nominal fee. The LRS pre-screens the attorney to be sure that they have the requisite experience to handle the type of cases they are being assigned. The attorney usually pays an annual fee to the LRS to be part of the panel.</p>
<ul>
<li>Contra Costa County Bar Association 925-825-5700</li>
<li>Alameda County Bar Association 510-302-2222</li>
<li>Bar Association of San Francisco 415-989-1616</li>
</ul>
<p>• Court Costs: the court’s fee for filing a divorce in California is $355.00; when the other party files the response, he or she must also pay $355.00. This is known as the “first appearance fee” which must be paid when the party first “appears” in the case.</p>
<p>•There are only 2 grounds for divorce in California: 1) irreconcilable differences; 2) incurable insanity. California is what is known as a “no-fault” state.<br />
<strong>7 Questions to ask when hiring an attorney </strong></p>
<p><em>Have you ever been disciplined by the State Bar? </em></p>
<p>Go to: http://members.calbar.ca.gov/search/member.aspx and search by the attorney’s name. A record of discipline is included along with pertinent information about the attorney’s education and the year admitted to the Bar.</p>
<p><em>How long have you been working in this particular area of law?</em><br />
<em> What kind of cases do you handle on a day-in day-out basis? What is your track record?</em><br />
<em>Do you try cases in court? Or do you settle every case out of court? </em><br />
Be sure you understand whether the attorney is experienced in court appearances should your case not settle.<br />
<em>How often do you appear in court? Are you familiar with the local judges? </em> If your case is contested and requires court appearances, be sure that the attorney is familiar with the county’s local rules and it is always helpful when your attorney is familiar with the judge who will be hearing your case.<br />
<em>Who will actually be handling my case? </em></p>
<p>Many lawyers work with associates or other attorneys. Make sure you know who is doing the work on your behalf and who to contact with questions or concerns.<br />
<em>How is the attorney paid? Is a retainer required? </em></p>
<p><em> </em>Be sure you understand the fee structure. There are 2 types of retainer agreements</p>
<p>1. A nonrefundable payment that is made to secure the attorney’s availability for the client’s legal matter. The attorney may also charge an hourly fee in addition to the retainer when work is performed.</p>
<p>2. A refundable payment that is deposited into the attorney’s client trust account as    an advance for work to be performed. »This type of retainer is fully refundable until it is earned by the attorney.</p>
<p>Aside from the attorneys’ hourly rate, what else does the client pay for? Are there flat fees in addition to the hourly rate? Some attorney’s charge fees in addition to their hourly rates, such as “court    appearance fees” and “preparation of documents fees” – make sure you     understand exactly what it is that you are expected to pay for.</p>
<p>Is there any charge for photocopies and faxes? If so, how much per page?</p>
<p><strong>Frequently Asked Questions about Mediation</strong></p>
<p><strong></strong><em>What is mediation? </em></p>
<p>Mediation is a process where the parties to the dispute work together to resolve their    issue without court involvement. The mediator is a neutral who helps the disputing parties reach a mutually acceptable agreement to resolve the dispute.</p>
<p>How do I know if my case is right for mediation? Not all cases are right for mediation. The parties to the dispute must truly wish to resolve    the matter, without that, mediation will not work.</p>
<p>Ask if the mediator has been trained or certified.   There are no regulations with regard to who can call themselves a mediator. Be sure to find out if the mediator has been trained.<br />
Is the mediator an attorney?  Not all mediators are attorneys and not all attorneys are mediators. Make sure you find    out whether the mediator you are working with can also draft the necessary paperwork to finalize the divorce and make the agreements legally binding.<br />
If the mediator is an attorney, is the mediator my attorney? If the mediator is an attorney, he or she cannot represent either you or the other party as that would be a conflict of interest. If going through mediation, it is recommended that each party consult with an attorney regarding the agreements reached in mediation.<br />
–Is it okay if I also hire an attorney to represent me even though I’m going through mediation? Yes. Many people go through mediation and hire an attorney to consult with through the process. That attorney is the one who can give you legal advice and represent your interests.<br />
–How much will the divorce cost? Is mediation less expensive than hiring an attorney and going to court? There is no way to know exactly how much it will cost to get divorced because there are too many unknown variables. The amount a person will spend on a divorce is directly related to how much the parties can agree. The more the parties agree, the less expensive the process will be. Potentially, mediation is less expensive because the parties are meeting together to work toward agreements rather than going to court to fight about the issues. However, if the mediation is not successful, it could turn out that it will be more expensive than not going to mediation.<br />
–What is “collaborative law”? Is it the same as mediation? Collaborative law is a new dispute resolution model where both parties retain separate, specially trained attorneys whose only job is to help them reach agreements and settle their disputes. If they are not successful in helping the parties reach a settlement, neither lawyer can continue to represent their client. All participants agree to work together and attempt to reach a good faith settlement. Neither party may go to court or even threaten to go to court. If that happens the collaborative law process ends and both lawyers are disqualified from working on the case.<br />
Some things you may not know:</p>
<p>•Summary Dissolution: To qualify you must meet all of the following requirements:</p>
<p>You and your spouse or domestic partner:</p>
<ul>
<li>Have been married or registered as domestic partners for less than 5 years on the date you file your Joint Petition for Summary Dissolution of Marriage or Notice of Termination of Domestic Partnership with the Secretary of State;</li>
<li>Have no children together either born or adopted either during or before the marriage or partnership (and neither of you is pregnant now);</li>
<li> Do not own or have an interest in any real estate</li>
<li>Do now owe more than $6,000 for debts acquired during the marriage or partnership (do not count auto loans)</li>
<li> Have less than $38,000 worth of property acquired during the marriage or partnership (do not count your cars)</li>
<li>Do not have separate property with more than $38,000</li>
<li> Agree that neither spouse or domestic partner will ever get spousal support</li>
<li> Have signed an agreement that divides your assets and debts</li>
<li>In addition, if you are married you and your spouse must have lived in the State of California for 6 months and in the county of filing for 3 months.</li>
</ul>
]]></content:encoded>
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		<title>Your Biggest Asset</title>
		<link>http://divorceangel.com/your-biggest-asset/</link>
		<comments>http://divorceangel.com/your-biggest-asset/#comments</comments>
		<pubDate>Tue, 12 Feb 2013 05:12:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[division of property]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[marital assets]]></category>

		<guid isPermaLink="false">http://divorceangel.com/?p=93</guid>
		<description><![CDATA[by Pat Burgess

Don’t sell your house right away or agree to who is going to take the house…Possession is 9/10ths of the law…distinction between “where you are going to live now, and where are you going to live in the future.”…]]></description>
				<content:encoded><![CDATA[<p>by <a title="Pat Burgess" href="http://divorceangel.com/professional-contributors-2/pat-burgess/">Pat Burgess</a></p>
<p>Don’t sell your house right away or agree to who is going to take the house…Possession is 9/10ths of the law…distinction between “where you are going to live now, and where are you going to live in the future.”…You are not ready to make future, life decisions of where you are going to live permanently. Take your time. The issue of your home will be addressed later, NOT NOW!</p>
<p><strong>Your BIGGEST ASSET</strong></p>
<p>Your home typically represents more than just a commodity. It is where you may have raised your children…you bought it with hopes and dreams of happy things to come. So dealing with the dissolution of your home may be a daunting task.<br />
You also need to realize that typically your home is worth about 60% of the family asset. So, as harsh as this may sound, I have to recommend that you work at viewing your home from a “business” perspective. I know this is hard to do, but in the long term you will appreciate this advice. Many use the house as a tool during a divorce to sling hurt. So, try not get wrapped up in either the nostalgia or the mud slinging. A “home” is where your loved ones are. A “house” is just a building. Now you need to look at your “home” as a “house”. You need to be practical. You can create a “home’ in any “house”, so please keep that in mind.</p>
<p><strong>Inspections</strong><br />
If you are thinking of keeping your house, getting just an appraised value is not enough. What if the furnace is old? Do you have irrigation problems? How does your home do during heavy rainfalls? Any hidden pest or plumbing problems? Have you put together a budget for basic monthly house maintenance expenses? The appraiser doesn’t take any of these maintenance issues into consideration. But if you don’t, these major and minor maintenance issues could financially destroy you going forward.</p>
<p><strong>Title</strong><br />
Do you know who else owns equity in your home? Do you know if there might be any liens on your home? Have you heard of a “Quit Claim Deed”? That may take you or your spouse off from the Title to your house, but what about your mortgage? Can you qualify for a mortgage independently? Are you aware of what your property taxes are and when they are due? What about Homeowner’s Insurance? How much does it cost? Who is the policy holder? And what does it cover?<br />
So, before you go agree to take the house or leave it behind, before you sign the Marital Settlement Agreement dealing with the fate of the house, you need to do a lot of investigation.</p>
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