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Divorce Alternatives: Learning More About the Collaborative Divorce Process

Posted by on Oct 21, 2016 in Uncategorized | 0 comments

Anyone who has ever gone through a divorce will know just how emotionally exhausting an experience it can be. Even couples that start the process amicably often end up in serious disagreement over issues such as property division, alimony, and child custody and child support payments. Fortunately, couples going through such contentions in their divorce process can look to several different options for a solution.

A collaborative divorce process is among the many options available for couples who find themselves stuck in an impasse regarding certain issues. Collaborative divorce is an especially helpful solution for spouses looking to maintain a friendly relationship with one another. Unlike traditional litigation, a collaborative divorce fosters an environment where couples can communicate and negotiate openly in order to work through disagreements as amicably as possible. The process begins with each spouse hiring qualified divorce attorneys who will then be present in every step of the way in order to offer assistance and provide appropriate counsel. The term “collaborative” comes into play because the entire process involves the participation of both spouses and each of their legal representatives.

For Marshall & Taylor, P.C., collaborative divorces can be particularly advantageous due to the numerous benefits it can offer. For starters, a collaborative divorce can be resolved far more easily and in less amount of time than a divorce that is settled through court. It also allows the couple far more control over the outcome of their divorce process, relieving them of the usual sources of stress and anxiety in such situations. Best of all, the whole process is significantly less expensive than traditional divorce options.

If you and your spouse have decided that a divorce is the best course of action for you and your family, you might want to consider going through a collaborative divorce to ensure a less turbulent process. Contact a qualified divorce lawyer to learn more about collaborative divorce and other available options.

Auto Liability Insurance Policy: Make Sure You Carry One

Posted by on Jun 22, 2016 in Insurance | 0 comments

In all U.S. states, except in New Hampshire, carrying auto liability is a must for all those who want to have driving privileges. New Hampshire is the only state where drivers are not required to carry auto insurance coverage; the state, however, does not stop them from purchasing an auto insurance policy if they choose to. In the state of Virginia, on the other hand, drivers have the option to either carry auto liability insurance or pay the state’s Department of Motor Vehicles (DMV) the required uninsured motor vehicle fee as an alternative to purchasing an auto liability insurance policy). Thus, drivers, who will be caught driving or who will get involved in accidents and fail to show proof that they carry auto liability insurance, face the risk of having their driver’s license suspended, be required to file an SR-22, or pay fines. To make sure that they are covered, drivers are, therefore, required to show proof of financial responsibility whenever they renew their license or register their car.

States, where carrying auto liability insurance is a mandate, require drivers to purchase either a tort insurance policy or a “no-fault” insurance policy. The tort insurance policy in required in thirty-eight states known as “tort” or “fault” states; the “no-fault” insurance coverage is the policy required in 12 states, also called “no-fault” states.

In the tort or fault system, compensation to accident victims is paid by the at fault driver’s insurance provider. If the compensation paid by the insurance firm is not enough to fully cover all the damages and losses suffered by the victim, then the victim may file a civil lawsuit against the at-fault driver for further claims. In the event that both drivers are found to be partly at fault, then both pay each other, with the amount of payment based on the degree of their accountability in the accident. Compensation should cover cost of medical treatment, wages lost, and pain and suffering.

Under the “no-fault” system, drivers who get involved in accidents are paid by their own auto insurance providers, regardless of whose fault the accident is. The states of Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah recognize the “no-fault” system.

Millions of drivers, however, purchase a car insurance policy but stop paying their premium right after renewing their license and registering their car. The most common reason why they do this is the high cost of auto insurance. By using free auto insurance quotes, however, law firms like Habush Habush & Rottier S.C. ®, for instance, says that drivers will surely find the most ideal insurance deal, regardless of their driving history, credit history, age and driving experience. Any information about the best auto insurance which will fit drivers’ budget can be provided by a truly reliable independent car insurance firm.

Benefits of Healing Clay to Animals

Posted by on Feb 5, 2016 in Natural Health | 0 comments

Pets can also get the health benefits that bentonite healing clay offers. It has been used in various cultures and is widely known for its therapeutic effects, mainly in detoxifying and cleansing the body of harmful natural and synthetic toxins and strengthening the immune system against sickness. This is the main reason why many animal owners prefer to include healing clays in their animals’ food and water because they instinctively know it is the healthier option.

In order to get the best from bentonite healing clay, it is important to know that there are different types of bentonite clays, and the uses can also differ depending on the prevalent mineral in it. Consulting with a veterinarian is important to ensure that the bentonite clay you choose to use will be the one that your pets need. According to the website of Earth’s Natural Clay, there are generally two ways that you can use healing clays on your pets; externally, such as topical poultice for wounds and cuts, or as bath clays for general external detoxification and internally, where the healing clay is mixed with the food or water or give them the solution directly through a needle-less syringe.

When considering using calcium bentonite clay for pets, make sure that you are not using any metallic things while preparing it because the metal can neutralize the negative ions and make the clay lose its effectiveness. Also, make sure that there is plenty of water for your animals to drink when you are giving them bentonite healing clay to avoid dehydration. LiveStrong.com advises to start slowly, as internal use of bentonite can cause some intestinal discomfort. You can minimize or avoid this side effect by drinking plenty of water and other fluids until the bentonite in the system passes. Avoid giving bentonite clay orally to your pets if they are already suffering from high-fat diets, impaction or constipation, and if they are already taking medication. Although bentonite clay can serve as a great supplement to your pets everyday diet, if they are taking medication for a certain disease or sickness, then refrain from giving them the healing clay to avoid affecting the efficacy of the medications or treatments.

Three Amazing Tips For A Longer, Happier Marriage Backed By Studies

Posted by on Oct 19, 2015 in Marriage | 0 comments

There are certain marital situations in which divorce is the only healthy option available for both couples. Couples commonly file for divorce because of unmet expectations, lack of compatibility when it comes to finances, and loss of intimacy. However, couples in some states may file for a divorce even without presenting proof, called a “no-fault” divorce.

While many struggling couples resort to divorce, some are still seeking to restore what was left in their relationships. An Austin marriage counselor would probably state that some long-standing marital issues can be resolved when both couples agree to participate in marriage therapy. Couples can also revive their relationship and enjoy the benefits of happier, longer marriage by considering these three scientifically proven tips:

Spend less time on social media

A 2014 study published in BU Today stated that too much use of Facebook and other social networking sites has been associated with decreased marital satisfaction. According to the study, 32% of heavy social media users were more likely to think about splitting from their partner, as compared to 16% of non-users. So, if you want your marriage to last, think about spending less time browsing your Facebook page and more time with your spouse.

Have a cheap wedding

There is no good way to start a marriage than to start it debt-free. A study from the Emory University found that the price of the engagement ring and the cost of the wedding ceremony are inversely proportional to the length of marriage. This proves that the simpler the wedding, the longer the relationship would be.

In times of argument, use “we” instead of “I/you”

Researchers from the University of Berkeley revealed that couples who use the word “we,” instead of the individualistic pronouns “I” and “you,” have a greater chance of resolving conflicts. Using “we,” “our,” and “us,” provides couples a sense of partnership and shared identity, giving them the extra push that they need to hold on to their relationship.

What You Need To Know About Gastrointestinal Bleeding

Posted by on Oct 17, 2015 in Gastrointestinal Bleeding | 0 comments

Gastrointestinal (GI) bleeding is the bleeding of any part of the gastrointestinal tract. While some cases of GI bleeding can only be detected with laboratory tests, other cases present signs and symptoms, such as black and tarry stool that may oftentimes look like coffee grounds, abdominal pain, weakness, pale skin, and difficulty breathing.

There are many possible causes of GI bleeding. Among the most common are the following:

  • Gastritis, or the inflammation of the lining of the stomach
  • Diverticulitis, or the inflammation of the diverticulum (small pouches found along the inside lining of your colon)
  • Inflammatory bowel disease
  • Cancer along the GI tract, including colon cancer and cancer of the small intestine
  • Radiation therapy to treat cancer
  • Hemorrhoids, or swollen veins of the anus
  • Crohn’s disease, or the chronic inflammation of certain portions of the large intestine

According to the website of Williams Kherkher, some cases of GI bleeding result from the use of certain medications. One of them is Xarelto, which was approved by the FDA to prevent the occurrence of deep vein thrombosis. However, according to the website of Williams Kherkher, there have been a number of cases of gastrointestinal bleeding associated with this drug.

If you notice any signs and symptoms of GI bleeding, it is important to speak with your doctor right away to see its underlying medical cause. Apart from physical examination, your doctor may recommend imaging tests, such as abdominal X-ray, computerized tomography (CT) scan, magnetic resonance imaging (MRI), enteroscopy (to examine the small intestine), and sigmoidoscopy (to examine the lower part of the colon).

Keeping your GI tract healthy prevents diseases that may cause GI bleeding. One way to do it is by drinking plenty of water. You should also consider regulating your caffeine intake. Smoking may irritate the GI tract, so talk to your doctor today about possible ways on how to quit smoking. Finally, an active lifestyle and a diet rich in fiber can also keep GI tract diseases at bay.

Which Type Of Bankruptcy Is Right For Me?

Posted by on Oct 16, 2015 in Bankruptcy | 0 comments

For some, filing for bankruptcy seems to be a very unappealing financial move. Some people believe that bankruptcy is only for those who had been irresponsibly swiping their credit cards, which creates a little bit of stigma. Although this might be true for some bankruptcy filers, the website of Gagnon, Peacock & Vereeke, P.C. says most people see the need for bankruptcy due to different life-changing events, such as divorce, child support, marriage, or death of a family member.

Bankruptcy helps you realign your finances and get back on track during financial hardships. Depending on your situation, you may choose to file for Chapter 7, Chapter 11, or Chapter 13 bankruptcy.

Chapter 7 bankruptcy

Chapter 7 bankruptcy is a process to eliminate almost all of your unsecured debts within a short period of three to six months. In order to be qualified for Chapter 7 bankruptcy protection, your income must be within certain guidelines set by the bankruptcy means test. So if your assets are below the median, and you don’t have stable source of income, you may consider filing for Chapter 7 bankruptcy.

Chapter 13 bankruptcy

Chapter 13 bankruptcy is perfect for those with assets higher the median, and for those with stable source of income. Unlike Chapter 7, Chapter 13 bankruptcy eliminates almost all types of unsecured debts. However, there are some distinct differences between these two types. For instance, individuals qualified for Chapter 13 bankruptcy can get rid of certain taxes, can cram down certain types of loans, and can discharge certain other debts arising from a divorce or legal separation (excluding domestic obligations, such as child support and alimony).

Chapter 11 bankruptcy

Chapter 11 bankruptcy is for individual businesses whose debts are higher than the limit set by Chapter 13 bankruptcy. With this type of filing, businesses owned by a corporation, partnership or limited liability company are able to restructure their finances while operating as normal. However, some businesses are reluctant in filing Chapter 11 because it can be too time-consuming and expensive.