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How to Prepare Yourself Financially Before Filing for Divorce

January 7, 2022 by admin Leave a Comment

Divorce is stressful for all parties involved. There are uncertainties and upheavals you may come across that can overwhelm you anywhere in the process. Because of this, you need to be well-prepared. Before you decide to divorce, there are things you must do. These include the following:

Secure Your Finances

Take inventory of your finances. Get copies of financial records and store them in a secure place. You can leave these records with a family member or friend you trust and have copies for your Columbus divorce lawyers. Avoid storing copies on your computer or house. If you think the divorce will be contentious, take out a safe deposit box to keep the records here. These records include bank account information, credit card statements, and other financial records.

Separate Funds

Before the divorce process starts, secure as many funds as you can without making it obvious to your spouse to avoid chaos. You will need funds to pay your lawyer and live on after the finality of your divorce. Doing this early will ensure your spouse won’t choke off your money supply. If your spouse is not aware of your intentions, do not file for divorce until you have put aside enough funds to live on for at least six months.

Open New Accounts

Go to a new bank and open a new savings and checking account. Also, open a post office box, so all personal mail will be sent to this. You can use these new accounts to find a great lawyer who may tell you to withdraw up to half of the funds you have in your joint account. Make sure to open a new credit card in your name so you can build credit.

Keep Track of Your Financial Statements

If you and your spouse share assets and one of you decides to be irresponsible, you both will suffer the consequences. In divorces that have joint accounts, a party can drain assets without telling the other. But, you can avoid becoming a victim of this move when you keep track of your financial statements. Also, before you even file for divorce, you want to start building a credit score to start living a financially-independent life. Your credit report will tell you a lot about what’s happening with your finances while you are still married, so keep track of it before your divorce is completed.

A skilled divorce attorney can suggest other ways to ensure you are prepared for divorce financially. Also, they can tell what actions are legal and what are not.

 

Filed Under: Finance

Financial Planning Done Right with Jeffrey Small Arbor Financial

September 28, 2021 by admin Leave a Comment

If you’re looking for a financial planner, chances are you’ll be inundated with advice before you choose one. Some experts will say that choosing a financial planner is like shopping for toothpaste; others say it requires the same effort and diligence as selecting your life partner.

The truth is somewhere in between: Finding a qualified financial planner takes some work, but you’ll likely find the process somewhat easier than finding a new dentist.

What qualifications should you look for? What are the best questions to ask any prospective financial planner? How do you go about finding one who has experience working with clients just like you? And how do you tell whether your new advisor is the type who stays with you for life instead of selling your account to a bigger firm?

Jeffrey Small has authored several books and hosted radio shows on investment strategies and financial planning. He also runs Jeffrey Small Arbor Financial Group, an independent advisory firm in Florida that helps investors navigate investing through all stages of their lives—from young professionals moving out of college to retirees looking for reliable income.

Jeff recently shared his thoughts on what investors should look for in a financial planner, the best strategies for finding someone who fits their needs, and how to avoid common pitfalls.

What makes a financial planner qualified to work with you?

Intuition tells us that we should look for someone who has years of experience and holds the proper credentials. But that’s not always enough… You need someone whose values and interests align with your own—someone who is willing to work hard on your behalf and stick with you throughout your entire financial journey.

I always ask my clients to ask prospective planners, “What is your philosophy when it comes to money and investing?” This question will help you determine if the planner has a belief system that matches up with your own.

For example, a planner might use a contrarian approach, which means they only buy when the market is down. A client of mine once went to a planner who told him he was investing in the wrong areas and should be buying more growth stocks instead of bonds. Although this may have been good advice for some investors at that time, it was precisely the opposite of what my client thought he should do.

This planner’s system of beliefs was not aligned with my client. The same goes for a more conservative investor who wants an income plan and a growth-oriented investor looking to accumulate his fortune.

What are the most important questions someone should ask when selecting a financial planner?

A prospective client should always ask three questions: “How long have you been in business?” “Do you receive compensation one way or another for providing financial advice?” and “Do you work on commission, or are you affiliated with any bank, broker, individual, or company that receives revenue based upon fees?”

The first question helps establish when the planner began his career, which shows how long he’s been in business and how much experience he has. The second question helps a potential client determine if the planner works on commission, receives revenue from product sales, or is affiliated with a company that does so. Finally, the third question lets them know whether this person is an independent professional advisor who is unbiased regarding product recommendations.

By asking these questions, a client can get a clear picture of his financial planner and the type of advice he provides.

How do you go about finding a reputable financial planner?

There are many ways to find a good one: through word-of-mouth recommendations from friends and family members; by asking your financial adviser; through articles and books like mine; or by looking online.

The most critical factor in finding a good planner is personal referrals because someone you know has worked with this person before and can vouch for his skills. If that’s not possible, I recommend the next best thing—a planner who is a member of an independent third-party organization with high standards. The three best independent organizations that I recommend checking for planners who belong to are the National Association of Personal Financial Advisors (NAPFA).

 

Filed Under: Finance

Why you should support Abbey’s Hope Charity

December 30, 2019 by admin Leave a Comment

To discover why the work which Abbey’s Hope Charity carries out is so important, continue reading to discover a few key reasons why you should choose to support Abbey’s Hope Charity.

Why you should support Abbey’s Hope Charity:

Abbey’s Hope Charity was founded after the avoidable death of six year old Abbey Taylor:

In 2008, six year old Abbey Taylor lost her life after she innocently sat on a drain in a public wading pool which was poorly maintained and which ripped Abbey’s intestines from her body. Abbey lived for 9 months after her accident, during which she received not one by sixteen seperate surgeries. On March of 2008, Abbey Taylor lost her life as the result of the injuries which she sustained in her horrific accident just 9 months earlier.

Scott and Tracey Taylor, Abbey’s parents fulfilled Abbey’s wishes of setting up a charity which would try and prevent such accidents from occurring in the future. If you are touched by Abbey’s stories it’s well worth supporting Abbey’s Hope Charity, which is her legacy.

Their mission is to ensure that pools are safe for kids:

One of the primary missions of Abbey’s Hope Charity is to ensure that more pools, including public pools are properly maintained and are held to strict regulations, to ensure that no more kids will end up losing their lives like Abbey. If you believe that all pools should be properly maintained and regulated, it’s well worth finding out how you can help assist Abbey’s Hope Charity and their projects.

Abbey’s Hope Charity hopes to educate individuals about the importance of pool safety:

One of Abbey’s Hope Charity’s key tasks is running public campaigns in order to ensure that more individuals are educated about the importance or pool safety.

Abbey’s Hope Charity also speaks out about the issue of pool entrapment:

As Abbey died as the result of wounds which she sustained when she was entrapped in a pool drain, Abbey’s Hope Charity also wishes to educate the masses about the issue of pool entrapment. An issue which most individuals are completely unaware of.

So if you’re convinced of the importance of educating the public at large about the dangers of pool entrapment and the importance of pool safety, you can’t go wrong following your heart and supporting Abbey’s Hope Charity. Especially if you’re a parent and can’t imagine the pain which Abbey’s parents Scott and Tracey Taylor must have gone through, losing their little girl, you must be read out first at Workpuls.

Filed Under: Blog, Finance

6 Fascinating facts about John Ericsson

December 29, 2019 by admin Leave a Comment

To discover a few fascinating facts about one of the country’s most famous engineers and inventors, simply continue reading to discover a few fun facts about the Swedish American inventor John Ericsson.

6 Fascinating facts about John Ericsson:

John Ericsson was born in Sweden:

Although Ericsson is a Swedish American inventor and engineer, he was born in Sweden in 1803. Ericsson was born in the city of Langbanshyttan and was inspired to pursue a career as an engineer and inventor as he father was in the mining industry and Ericsson was fascinated by heavy machinery. By the age of 11 Ericsson had built his first miniature saw mill.

By the age of 12 Ericsson was offered a place in the Cadet Corps of Mechanical Engineers:

At age 11 Ericsson’s natural ability was noticed by a prestigious engineer Count Platten, who offered Ericsson a place in the prestigious Cadet Corps of Mechanical Engineers, despite his young age.

By age 16 Ericsson was put in charge of 600 operatives:

By the tender age of 16 Ericsson was put in charge of 600 soldier operatives and was put to work designing mechanical drawings for an important canal project.

Ericsson moved to the USA in 1839:

By 1839 the US military approached Ericsson to invite him to move to the USA and to take up a position with the US military. As his mechanical drawings and inventions had made Ericsson one of the most talented, respected engineers and inventors in the military field.

In 1861 Ericsson designed his first iron clad war ship:

By 1861 Ericsson had designed his first iron clad war ship, which was used by the US government in the Civil War, against the Confederates. Ericsson’s design was special as it featured many of his inventions.

There is a John Ericsson statue which is located in New York:

There is a statue of John Ericsson which is located in New York City, which was originally erected back in 1903. The statue was constructed a few years after Ericsson’s death in 1889. The sculptor who was commissioned to create a sculpture of John Ericsson as a memorial to the life and career of Ericsson was Johnathan Hartley Scott. The bronze statue of John Ericsson is larger than life and a testament to his brilliant career.

So next time you’re in New York it’s a great idea to visit the brilliant bronze statue of John Ericsson. Especially now you know a bit of information about his amazing, inspirational career.

Filed Under: Blog, Finance

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Hello! Hello! My name is Jack, and I am a health enthusiast. I used to live a life full of guilty pleasures and control was not in the list. It was a dark time for me to lose confidence and make bad decisions about my health.

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