Divorce Fuelling Debt Crisis
The high divorce rate of recent in Britain is a major factor leading to ever increasing levels of debt, a new report claimed recently.
Debt Free Direct has claimed that the break down of marriages is a significant factor behind people’s financial problems, which suggests that many are forced to take out a debt consolidation loan following the completion of a divorce procedure.
The debt advisory agency has reported that those who are divorced are a third more likely to be declared bankrupt. Of those divorcees, women are running the highest risk.
Females are 14 per cent more likely to face financial ruin and are 26 per cent less likely to qualify for an individual voluntary arrangement, which can prevent bankruptcy.
Heavy debts that are incurred by an ex partner are a major cause of financial problems, even after a divorce, with Debt Free Direct finding that an ex’s excessive debts are an underlying factor in almost three in ten bankruptcies in the UK.
Typically, people in a relationship will take on debts in joint names with their partner, never believing that the relationship will end. But when it does the effect of divorce or separation can seriously heighten the impact of the debt problem, spokesman Derek Oakley explained.
Mr Oakley advised married or divorcing couples to take steps to protect themselves from the poor finances of their partner.
For example, he said, even after divorce, many couples still hold credit cards and / or store cards in joint names.
After separation it is important to advise the credit card company to terminate the joint card. If you do not do this, you could well be pursued for payments on debts that your ex partner has run up.
The report contradicts previous assumptions that debt levels are exacerbated by a growing consumerist culture and relaxed attitude towards credit
Why Avoid Online Dating
With dating being such an exercise in stress these days, there are more reasons than ever to jump online and sign up with a few of the reputable online dating websites. Yes, youll probably tell yourself anything to keep from having to take this step. You think that youre too busy, or you just dont want your information so public, or you would just rather meet someone naturally rather than force it. Maybe youve already given it a quick shot and it just didnt work out for you.
Ok, now that youve come up with all of the excuses in the world to not do this, its time to make a list of some great reasons that you should do it. First of all, if youre really so busy that you cant find the time to set up a dating profile, then you probably need to either just not worry about dating at all, or maybe drop some of your commitments. Seriously, when youre too busy to date or have a social life, then you need to cut back on some things. Remember that little adage that starts out with All work and no play? Its sure to make you a dull person and no one wants to date dull people.
As for wanting to meet someone naturally, everyone would love it if that were to happen. The problem with that is this is just not something that happens all the time these days. Most people meet their dating partners through mutual friends or just bouncing around online in various chat rooms and communities. Granted, there are those couples that meet at church, at bars or clubs, at the post office, the Laundromat, the supermarket, or anywhere else where people may go on a day to day basis. Its just that not everyone you meet in those ways will work out.
The thing about online dating websites is that theyre usually set up so that people with things in common can easily find each other as well as communicate. If youre someone that doesnt want to put all of your information online, simply be selective about what you decide to put into your dating profile. No one has stated that you must put absolutely everything out there for just anyone to read. All you need to do is build your profile in a way that youll only attract the type of potential dates that will interest you.
These days, there are so many more reasons to look into online dating websites than there are to not do it. If you have tried it before and it just wasnt all that successful, dont let that stop you. Get some advice from friends that have enjoyed some great experiences with it. Theyll probably be quite happy to assist you in building just the right profile so that only the types of people that you would find fascinating will be drawn to contact you. Then, you can go from there regarding whether or not youll reply, ignore the contact or eventually set up a date. It really is just that easy!
Do you think that your partner is cheating on you? Among the best ways to tell if your partner is cheating on you is to keep your eyes and ears open at all times. Using hidden camera gadgets and concealed audio recording devices could be a good way to obtain the proof you need. Did you know that a lot of the ladies who cheat leave lots of indicators along the way? To help get you on the right track right here are 3 indicators that your partner could be cheating on you.
1– Your Sweetheart Has Changed Her Appearance
Has your partner recently altered her appearance? Did she begin using contacts instead of glasses? Has she began showing more skin? If so, she could be cheating on you or she could want to begin cheating on you soon. This is since changes in appearance are commonly made to impress someone. If that person is not you, it will likely be another guy.
2– Your Sweetheart Stops Hanging Out With You
In the past, did you and your partner invest a lot of time together? Did you take pleasure in hanging out with her pals, going to films, or going to celebrations together? Are those days gone? If so, your relationship could be over and your partner could be cheating on you.
It is also crucial to analyze the pals of your partner. Do they act different to you? Do you still hangout with them as a group, like as much as in the begining? If not, your partner is most likely trying to keep her new charming interest a secret. When ladies attempt to juggle numerous relationships, they commonly confide in their pals. Keeping you away from those pals could be a defense mechanism.
3– A Rude Mindset
Did you know that some ladies will go as far as to begin a brand-new relationship without even breaking up with their sweetheart, like you? Some will do this just to be mean. If your partner flaunts her new relationship or if she is impolite to you, it is time for you to end the relationship.
Divorce and the Child Custody Evaluation
Getting prepared for the Child Custody Evaluation can be nerve racking, but if you take these things into consideration they can guide to you toward a successful Child Custody hearing.
You should be friendly, sincere and candid in your approach toward the opposing attorney. You should the look at the psychological evaluation as if it is a job interview. You should never confide with psychologist. If you do, it may be used against you later. Answer the questions in short, brief, direct sentences. Never give more information than you have to.
You should not say anything against the other parent and his or her family. Show that you know your children and you know about their interests, hobbies, teachers, friends, their educational aims, etc. You should let the psychologist know about all the good qualities of your children. If the psychologist wants to know anything negative about the other parent, you should simply narrate an incident with the facts and stop at that, the psychologist needs to draw the conclusion.
You shouldnt make any accusation regarding any type of abuse like physical, mental or sexual, until there is enough proof for the same. The psychologist can report to CYS for further investigation for child abuse, if you suspect child abuse, then you should report to CYS instead of making allegations, since false allegations can prove damaging to your reputation and this case as well.
You will require to prepare for the interactional sessions, for this you can bring games, food, homework, anything that might seem appropriate, you should not stray away from the target, you should also make a list of doctors, temples or churches, etc. schools, you should also be aware of any special need of your child and inform the doctor about how you are going to go about fulfilling this need.
So that you remain mentally strong, cool and collected you should get a good nights sleep. You should pay the psychologists fees promptly and try to impress him since his report carries a lot of weight with the judge. In case the psychologist wanted additional information, you can send him information along with a short note about it. You should not call the psychologist unless he wishes so.
You should showcase the current needs of your children instead of focusing on the other parents failures. Since the contested Child Custody case is never a finality, you can modify the case and resulting Child Custody schedule at any time later.
Where To Spend The Holidays
A long standing argument between many couples is the one that comes up every time theres a special holiday, such as Thanksgiving or Christmas. This is the debate about where the couple will be spending the holidays. It can get to be a pretty serious holiday spoiler if both partners have living relatives that theyre close to. It doesnt have to be a nightmare every year, though.
For couples with their parents living in the same city or town, its not THAT big of an issue. You simply split up your day or, in the case of Christmas, two days. Christmas Eve can be spent at the home of one set of parents and Christmas Day can be spent at the other sets home. The next year you can reverse it. Another way to handle this is to split up the day by spending the morning at one house and the evening at the other house. When you work things out with everyone ahead of time, this is usually a great way to handle it.
If youve got one set of parents living in one location and the other set living in another one, that can be a little more difficult. In this event, youll need to probably spend Thanksgiving in one place and Christmas with the other parents. Then you can reverse things the next year.
Of course, one way to deal with this issue may be to simply host the holidays at YOUR home. In that way, everyone can be happy because all of you will be together in the same place for the holidays. Now, there can be a few things that will throw a monkey wrench into things. Maybe the in-laws dont get along with each other or with you. One of the parents may not be healthy enough to travel and that can be a problem. That would mean that you and your partner would have to travel to them at least once during the year.
The main thing is that you and your partner can work out something that will amenable to everyone. People dont always work together, though. For instance, your partners mother may not like you and will refuse to give in gracefully as to sharing the holidays. Theres not a lot you can do in that situation other than let your partner handle her. Hopefully, hell have both of your best interests at heart when he does so.
There may be instances where you and your partner will need to spend the holidays apart in order to spend them with parents and other family members. Its not the ideal situation since couples should be able to spend the holidays together whether their parents are a part of the celebration or not. The thing to remember is that this is something that everyone must cooperate on or people end up being upset and angry. Sadly, sharing and cooperation are things that even parents need to be taught. If this is part of your situation, dont hesitate to explain the word fairness. It can be your Christmas gift to them.