How to Help Another Get Through a Divorce

We all know someone that has been through a divorce. While marital separation can sometimes be amicable, unfortunately, divorce proceedings are often hotly-contested and challenging to get through. These proceedings take place in the courtroom where an adversarial setting is created. This setting only furthers the frustration and negative emotions felt by both parties in a divorce.

It is important to help those that we care about when they are going through a divorce. Even though we may not be able to affect the proceedings directly, we can make divorce as easy as possible for the affected parties that we care about. Because one of my interests is helping others manage stress, I decided to research some practical techniques to help others going through a divorce.

The last thing people going through a divorce want to hear is what could have been done to avoid the separation. It’s important to allow them to deal with the situation at hand rather than encouraging them to live in the past. While honesty is undoubtedly crucial, you do not need to serve as your friend’s all-knowing relationship expert.

Also, you should try to increase the amount of time that you spend with your friend going through the divorce. Meaningful human socialization and contact are both helpful when going through a messy divorce. When you are spending time with your friend, make them aware that everything is going to be okay and that you are there for them throughout the entire process. Sometimes all someone needs to get through a tough time is a shoulder to lean on and someone to talk to.

Beyond the above-mentioned social techniques for helping an individual get through a divorce, it is also useful to serve as a potential resource for information regarding the divorce proceedings. If you possess knowledge in this area, you can provide this information to your friend, and they will, therefore, be less afraid of the unknown aspects of the proceedings. A great area to have a grasp on that concerns divorce is child support.

Child support is a continued payment by one parent to another to give financial support to a child. Child support arrangements are reached after marital separation, which includes divorce. I found an article that explained the specifics of the legal proceedings surrounding child support, and how child support agreements themselves can be modified down the road if circumstances change. Issues arise when one parent fails to abide by the child support agreement, which opens another can of worms.

All in all, it is important to be there for our friends in need as they are going through a divorce, whether child support is involved or not. We can offer social and emotional support. Additionally, we can try to help in various ways to guide them through this tough time. A little research could mean a lot for your unhappy friend.

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Low Offer from an Insurance Company

After a natural disaster, homeowners should be able to expect that their insurers will be there to uphold their end of the bargain. Sadly, many insurance companies fail to adequately assess the damages that are caused by a disaster and, thereby, fail to fairly compensate their policyholders when they need it most.

A low offer from insurance company is often the experience for so many claimants. This is because making a claim with your insurance provider, according to United Policyholders, a national insurance consumer advocacy group, is basically a business negotiation.

This is because Insurance companies are businesses, thus, they will do everything they can to pay as little as possible on claims that their policyholders file. This means your insurance provider will send out their own claims adjuster to determine the extent of damages on your property, and there is a good chance they will not be as thorough as you would hope. Therefore, if you want a fair evaluation and assessment to your damages, you should consider working with a licensed public insurance claim adjuster or appraiser who can help you make sure you are treated fairly.

Basically, insurance company adjusters work for the insurance company that hired them, thus, they could only represent the interests of their employer. A public adjuster, on the other hand, works for you, thus, you can expect that they will act in your best interest and will present a comprehensive claim on your behalf. There are instances that your insurance provider will provide you with an adjuster, however, it is important to know that this adjuster’s loyalty will be with your insurer. For you to receive the insurance settlement you deserve, be sure to contact a public adjuster.

Another probable reason for your insurance provider’s low offer, in the event of damaging floods, is the standardized price list used by insurance adjusters in determining how much to reimburse homeowners for their losses. Some observers, however, see the figures in this list to be unrealistically low.

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Drunk Driving Prevention

People drive even though they are intoxicated because they believe that they are immune to accidents despite their impairment. But this is simply not true, not to mention that this kind of thinking is just reckless.

Drunk driving has become a nationwide threat, as it has claimed the lives of nearly 10,000 Americans and injured another 350,000 in 2011. These ridiculously high numbers prove that drunk driving is a legitimate problem, and we can only count on certain societal aspects to solve it.

The most vital aspect is the law and its enforcement. If there are laws against drunk driving and if there are authorities that effectively enforce these laws, drunk driving can be minimized.

It is important to note that Driving While Intoxicated, also known as DWI, is already considered an offense. Those who drive with a blood alcohol content of 0.08% or higher may face various penalties, including substantial fines, license suspensions, probations, ignition interlock installations, and even jail times.

The website of Habush Habush & Rottier S.C. ® also mentions that those who have been injured in drunk driving accidents may pursue legal actions against the drunk drivers.

With all the legal problems associated with drunk driving, why does drunk driving continue to be a problem? Again, it is about enforcement. Local authorities should give the impression that they are serious in deterring this reckless driving behavior. They can do this by doing the following:

  • Making or improving drunk driving laws
  • Increasing the severity of DWI penalties
  • Increasing police visibility
  • Setting up check points on strategic locations
  • Encouraging drunk driving awareness programs

Sometimes, it is not about the strict enforcement of the law but the mindset of the people. By having drunk driving awareness programs, people will be more knowledgeable of the dangers of drunk driving, not only to themselves, but also to innocent motorists and bystanders that they may take with them to the hospital, or worse, to the grave.

To eradicate this nationwide threat, we should eradicate the confidence of drunk drivers in hitting the road. This can be done by everything mentioned above – increase the chances of arrest and let them know that even if they don’t get arrested, they may still be involved in a car accident.

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Truck Driver Error, One of the Major Causes of Truck Accidents

A study conducted by the Federal Motor Carrier Safety Administration (FMCSA) says that truck accidents are more due to errors committed by drivers of semi-trucks (also called 18-wheelers or big rigs). This is opposed to the results of a number of surveys which rather say that drivers of passenger cars are the ones more at fault in majority of road accidents involving trucks. The FMCSA, which is a separate administration within the U.S. Department of Transportation (DOT), has the primary mission of enforcing laws that will reduce crashes, injuries and fatalities involving commercial motor vehicles (CMV), such as large trucks and buses.

The most common truck driver errors that have been identified by the FMCSA include: driver fatigue; overspeeding or driving too fast for road conditions; drivers impaired due to use of prescription or over-the-counter-drugs; unfamiliarity with the road; lack of experience in operating a semi-truck; lack of focus on the road; distracted driving; improper attachment of trailer; failure to check “no-zone” areas or blind spots; failure to make sure that truck brakes are in good working condition; and, depowering of the front brakes to lessen wear and tear of tires and breaks and so save on operating costs. All these errors lead to many other things that directly affect the capability of truck drivers to react to danger correctly and on time.

It is common knowledge that semi-trucks pose a serious risk to other drivers due to their enormous size and heavy weight. Thus, if a driver does not possess the required skills to operate a truck safely or commits an error that results in an accident, fatalities and people sustaining severe injuries are not remote possibilities.

In 2013, records from the Highway Loss Data Institute, a non-profit research organization, showed 3,500 fatal large truck accidents. These accidents resulted to the death of 570 truck drivers, while the remaining count involved drivers of smaller vehicles, motorcyclists, bicyclists, and pedestrians. Injuries, on the other hand, exceed more than a hundred thousand.

About half a million truck accidents occur every year, leaving so many victims and their families burdened with emotional and physical pains, and in financial difficulties. No one wants an accident to occur, inluding the truck driver who may be at fault in the accident; however, due to the injuries or death of victims, erring truck drivers should only be made to face justice as well as compensate their victims for all damages resulting from injuries.

Dealing with the aftermath of a truck accident can be difficult, if not seemingly impossible. Fortunately, with the help of a Tucson motor vehicle accident attorney, a victim may not only be able to get the justice you are seeking, but also the financial compensation he/she needs to cope with the aftermath of the accident.

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Foreclosure Defense: A Way to Keep Your Home from Getting Foreclosed

According to the America’s Debt Help Organization, about 4.2 million US homeowners lost their homes due to foreclosure between 2007 and 2014. Foreclosure, based on the definition of the U.S. Department of Housing and Urban Development, is a legal process wherein a creditor or mortgage lender puts up loan collateral (most commonly a house) for sale to recover mortgages unpaid by a borrower. The process that leads to foreclosure usually starts after a borrower fails to pay his or her mortgage for three successive months.

Foreclosure has two major types: Judicial and Non-judicial. In Judicial foreclosure, a lender or mortgagee, which is usually a bank, is first required to file and win a lawsuit to have the right to foreclose on a property. While lenders normally do not make a legal move until a debtor has failed to pay the mortgage for three consecutive months, they actually have the legal right to foreclose on a property even with just a single default on payment.

A Judicial foreclosure procedure takes several months or a year to be completed. Currently, this foreclosure process is available in almost all U.S. states except in Michigan, New Hampshire, Tennessee, Utah, West Virginia and the District of Columbia.

In Non-judicial foreclosure, a lender does not need a court order to be able to foreclose on a property. This type of foreclosure, however, is only allowed if a “power-of-sale” clause is included in the deed of trust. The power of sale, whether in a deed of trust or mortgage, indicates the consent or a borrower to the selling of his or her mortgaged property through non-judicial foreclosure in the event that he or she defaults in payment. The lender, however, will first have to notify the owner of the property before his or her property is auctioned off.

The list of states where Non-judicial foreclosure is available includes Alabama, Alaska, Arizona, Arkansas, California, Colorado, Georgia, Hawaii, Idaho, Iowa, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, North Carolina, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming and the District of Columbia.

In states where both foreclosure processes are available, non-judicial foreclosure should be the process used if the borrower signed a mortgage that contains a power of sale clause; the judicial foreclosure process should be used, however, if the power of sale clause was not signed.

Foreclosure can be a serious threat, especially to those contending with other debts. This is because other financial concerns can quickly render mortgage payments unaffordable. There are steps, though, as stated in the website, which can be taken to help prevent or delay the foreclosure process. Foreclosure defense is one of these steps which can protect owners from creditors who intend to have their home from being foreclosed.

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