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10 Professionals That’ll Help You Maintain Your Finances During a Divorce

Divorce is emotionally challenging while also having a significant impact on the personal finances of a couple. Getting the right pros is key to keeping your finances in check when you divorce. Amid the turmoil of a divorce, assembling a savvy support squad is crucial to safeguarding your personal finances.

1. Divorce Attorney

Almost 45% of first marriages in the U.S. end in divorce. Most couples engage a reputable divorce attorney who specializes in family law. Your lawyer will give you sound advice to make sure your money matters are safe and sound. Your lawyer will sort out matters like who gets what, alimony, and who the kids live with after you split.

2. Certified Divorce Financial Analyst (CDFA)

Consider hiring a CDFA, especially if your financial situation is complex. A CDFA can assess the financial implications of various divorce settlement options. A CDFA guides you through the maze of financial choices during a divorce, making sure you’re clued in on how each decision might play out down the road. Remember that an uncontested divorce in Pennsylvania means you can get divorced as soon as 90 days from when the complaint is filed and served. No matter what state you live in, there are rules a professional can help you follow.

3. Forensic Accountant

In cases where there are suspicions of hidden assets or financial misconduct, a forensic accountant can be invaluable. When suspicions arise about hidden assets or sketchy financial dealings, a forensic accountant’s knack for sifting through the numbers can shine.

4. Mediator

A mediator facilitates communication between divorcing parties, working towards a mutually agreeable settlement. Though they’re not there to offer legal counsel, mediators are key in helping you and your soon-to-be ex find some common ground, which can ease up the financial strain of splitting up.

5. Estate Planning Attorney

If your divorce involves updating or creating a will, living trust, or other estate planning documents, consult an estate planning attorney. Only four in 10 American adults have a will or living trust. They’ll make sure your final wishes shine through in the estate plan you’re crafting.

6. Tax Professional

Changes in marital status often have tax implications. Consult with a tax professional to understand how your filing status, deductions, and credits will be affected. A tax pro can walk you through what you might owe and show you how to plan for it.

7. Certified Financial Planner (CFP)

A CFP can assist in creating a post-divorce financial plan. A Certified Financial Planner guides you in mapping out a new budget, aiming for fresh financial targets, and choosing savvy investments tailored to your life after divorce.

8. Real Estate Appraiser

If real estate is part of your marital assets, engage a real estate appraiser to determine the current market value. Getting an accurate read on your property’s worth is key to splitting things fairly when you part ways.

9. Credit Counselor

In the thick of a divorce, getting help from a credit counselor can make all the difference in sorting out shared finances and setting up your independent economic life. When you split up, your shared accounts can take a hit on your credit score, so it’s crucial to stay on top of that. A financial counselor can offer help on controlling debt, starting your credit, and making sure you’re financially stable.

10. Child Support Specialist

When kids are part of the picture, it’s smart to talk with a child support expert who can help you navigate your personal finance options and make sure everything’s squared away fairly for their sake.

Splitting from your partner isn’t just emotionally taxing; it also comes with a maze of financial details that the right experts can help you sort through, making sure nothing gets overlooked. Building a team of experts who’ve got your back is key. They’ll steer you through the money maze and help lock down a solid financial game plan post-divorce.

6 Reasons to Invest in Your Backyard Amenities

If you’ve been eyeing your backyard, thinking it’s just a grassy spot to mow, think again. Your backyard is a treasure trove waiting to be uncovered for relaxation and as a solid investment in your home’s value and well-being. In this guide, we’re diving deep into the reasons why putting your money into sprucing up your outdoor space isn’t just a good idea; it’s a financial move that pays off.

1. Stress-Busting Sanctuary

Did you know that NPR shares that 84% of folks surveyed believe Americans are angrier today than a generation ago? Well, here’s where your backyard steps in as a superhero. Creating a haven outside your door is like having a secret weapon against stress and anger. Your green retreat is a place where you can unwind, soak in the sun, and let the troubles of the world melt away. It’s not just a backyard; it’s a stress-busting sanctuary.

2. Durability Trumps Bargains

Outdoor kitchens are the heart of backyard amenities. According to Forbes, when homeowners are on the hunt for outdoor kitchen goodies, durability takes the crown. Forget about snagging a bargain; it’s all about longevity. A whopping 66% of homeowners want their outdoor haven to handle the wear and tear of everyday life. And not far behind, 65% want it to be tough and resilient. Coming in third is cost, with 58% stating that it’s important, but not as important as durability.

3. Financially Savvy Investments

Let’s tackle the big ‘D’ word – debt. Are you worried about splurging in your backyard? Think of it as a financially savvy move rather than a burden. Your backyard isn’t just an expense; it’s an investment that pays off. The U.S. landscaping industry is a booming $176.5 billion market in 2023, according to Zippa. However, you shouldn’t think of upgrading your backyard as a debt.

Investing in your backyard isn’t just about making it pretty for your Instagram feed; it’s about diving into a colossal industry. When debating whether to put money into your outdoor haven, think about the green. This is the grass in your backyard and the green you could save and earn.

4. Boosting Property Value

Investing in your backyard isn’t just about your immediate happiness but the long game. Sprucing up your outdoor space can significantly boost your property value. Potential buyers don’t just look at the number of bedrooms or the kitchen; they want a package deal, and a well-maintained backyard adds serious appeal. It’s like giving your property an extra punch that sets it apart from the rest. When it comes time to sell, your backyard investment could translate into a higher selling price.

5. Family and Friend Retreat

Improving your backyard isn’t just an investment in property value. You should also think of it as an investment in family and friend time. Picture this: a cozy fire pit for chilly nights, a barbecue grill for summer feasts, and comfy outdoor seating for laughter-filled gatherings. Investing in your backyard is investing in memories. These are the kinds that make your home the go-to spot for family dinners, weekend BBQs, and impromptu get-togethers.

6. Health and Wellness Hub

Finally, let’s talk about your health, both physical and mental. Your backyard isn’t just an outdoor space; it’s a health and wellness hub. Studies have shown that spending time outdoors, surrounded by greenery, can lower stress levels, improve mood, and boost overall well-being. When investing in your backyard, you’re investing in your health.

Your backyard is a canvas waiting for your personal touch. It’s a stress-busting sanctuary, a financially savvy move, and a hub for making lasting memories. Whether you’re eyeing that cozy fire pit or dreaming of a lush garden, remember, investing in your backyard isn’t just about the present; it’s about creating a future filled with tranquility, joy, and financial savvy.

Prepare for Your Family Vacation to Disney With These Simple Tips

Often regarded as the Happiest Place on Earth, a Disney World vacation is on just about every family’s bucket list. But, with so much excitement before you, it can be easy to get distracted by all the services on offer. Not to mention, due to the trip’s high price tag, it can lead some families to fall into a lot of debt. Therefore, this article will provide you with an array of tips and tricks to ensure that your family can enjoy the best Disney World vacation ever.

1. Set a Budget

Though it can be tempting to purchase every piece of Disney merchandise that catches your eye, it’s vital that you set a budget for your next trip to the parks. Your budget can be as simple or as complex as you like, just ensure that you account for your food, park entry, and any products that you would like to buy. Doing this in advance will help you save a lot of money and ensure that you don’t go broke before the end of your vacation. Also, keep in mind that Florida has a 6% sales tax, so this will affect prices greatly.

2. Download the App in Advance

SignUpGenius informs us that the Disney Parks currently runs alongside an app called MyDisneyExperience. This is a crucial asset to any family vacation as it allows you to check wait times and schedule meet-ups with characters. Thus, this can help your family plan their vacation with ease, helping you to eliminate any squabbles or tantrums in the process.

3. Stay on Property

Although Orlando offers an abundance of places for families to stay during their vacation, some of them may not be up to scratch. In fact, Consumer Affairs suggests that around 600,000 homes are infested with termites each year, which can put a real downer on your dream vacation. Instead, try to stay on Disney property. With a wide range of quirky hotels to choose from, your family can get a good night’s rest without worrying about being too far away from the parks.

4. Enjoy a Range of Food Options

Disney World is home to a bustling selection of restaurants, making sure that there is something for the whole family to enjoy. Plus, these establishments don’t just offer typical burgers and fries. Since Boston Medical states that an estimated 45 million Americans go on a diet each year, you’re sure to find some healthier options as well.

5. Bring a Stroller

There’s no denying the sheer size of Disney World, so Undercover Tourist advises that you bring a stroller with you to help the little ones have a rest when they need one. It should also be mentioned that you can rent a stroller at any one of the Disney Parks for just a small fee per day. As such, this is particularly useful for international guests who don’t want to drag a stroller around for the entire duration of their trip.

6. Spend Time in the Pool

If you’re staying at a hotel that has a pool on-site, Inside Hook advises that you use it as much as possible. Florida is an extremely hot state, leading us to feel very sweaty and uncomfortable when stumbling around the parks. As such, tourists are advised to take a dip in the pool every once in a while to help cool off and unwind.

Disney World is a great place for families to join together and create a collection of cherished memories. But, without proper planning, you can feel stressed and anxious, turning your dream vacation into a nightmare. As such, consider using some of the tips listed in this article when planning your next family vacation to Disney.

How to Help Your Teen Struggling With Anger Issues

Is constant eye-rolling and lip-smacking driving you up the wall? You may have anticipated challenges with your teen, but those ‘You make me sick!’ shouts were not yet on your radar. Your little sweetheart now seems to be a hard-headed adolescent and is about to drive you into a debt trap of emotions. But not so soon. Here are some useful ideas to help the both of you go through this tumultuous period and hopefully bond more.

1. Show Empathy

Anger can be explained as a teenager’s reaction to something that has happened or what the teen believes should or should have happened. For instance, they’ll likely get upset if they studied for their end-of-year exam but failed. As a parent, offer empathy.

Try to understand where your child’s anger is coming from by talking to them. That way, you’ll validate their feelings, which is anger. As you talk with your teen, express that you understand their frustration.

2. Practice Taking Timeouts

During that discussion about failing the exam, your teen may get overwhelmed and probably cry or lose his cool. As a parent, step back and allow your child some time to breathe during such heated moments. Let them understand that taking time and processing such intense emotions is okay.

Doing so is important because reacting in the heat of emotions can cause regrettable actions, such as physically hitting someone. Even if not intentional, it can result in some serious consequences. According to criminaldefenselawyer.com, in Tennessee, Aggravated Assault qualifies as a C felony that attracts at least a 3-year sentence, depending on your criminal history.

3. Teach Anger Processing Skills

You’re the grown-up in this situation. Arm yourself with effective life skills that can help you neutralize your anger. As the parent of a teen, the best thing you can do is lead by example. Don’t bang tables and doors to show your displeasure.

When angry, excuse yourself and maybe take a walk or shoot a basketball. Then, when you’re feeling better, you can sit down and talk about the upsetting situation. This way, you can intentionally transfer these skills to your child and demonstrate how to work through difficult emotions. Your teen can find their coping techniques, such as journaling or listening to music, and practice them over and over.

4. Investigate Further

Though anger is the expressed emotion, there is much more than meets the eye. Your teen could be trying to cope with guilt or shame due to other hidden issues. According to chop.edu, even at age 5, some 15% of children are still bedwetters.

When teens are experiencing depression, they will be self-critical, irritable, and angry. You’ll need to find out which other emotions are propelling his anger. With that information, you can better help your child deal with the root cause rather than the outward symptoms of his anger.

5. Boost Your Teen’s Confidence

Adolescents are extremely conscious of their looks. They’re mostly preoccupied with their appearances and how to change them. As a parent, you’ll do well to be their friend and work with what they prefer.

They’re likely to be cooperative when you show that you care about their looks, too. During your visit to the dentist, let them choose the braces they’re comfortable with. In a report by PR NewsWire, 47% of teens who had Invisalign teen braces felt a boost of self-esteem during treatment. This is compared to just 22% of teens fitted with metal braces.

Your relationship with your child is significant. You must do everything in your power to be close to your child. Boosting their confidence is one way to achieve this. Don’t underestimate your capacity to embarrass your child, even by throwing around remarks you assume are normal. Set basic standards for handling anger in your home. They should give all family members a space to express themselves in a safe environment.

Although anger is normal, take the initiative to teach your teen how to deal with it healthily. You don’t want them getting into trouble for experiencing normal human emotions. Use the tips in this read for a start.