Arsius Group

Family law, divorce, help with lawyers in Puerto Rico find more info in http://legal.arsius.com

Month: August 2016

22 Posts

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Tips for Surviving a Divorce After 50 How do you feel when you’ve crossed the mid-line of life and find yourself facing something you had never dreamed you would face at this age: divorce? If you have been unhappy in your marriage for years, and can’t imagine facing your spouse 24/7 when you retire, you may feel strangely excited at the prospect of starting a new life. But, if you assumed that you were about to settle comfortably into old age with the person you married decades ago, and were completely blind-sided when your spouse announced that s/he wanted a divorce, you probably felt like you just got sucker-punched! Either way, surviving divorce after 50 presents a host of challenges that divorce at a younger age does not. Why is divorce after 50 different? While some might argue that divorce is divorce, divorcing later in life presents unique challenges that divorcing earlier on does not. For one thing, you don’t just have years of history together – you have decades! Your family, your friends, your neighbors, everyone you know, knows you and your spouse as “a couple.” Facing all of those people as someone who is “newly single” can be terrifying! You have no idea what you are supposed to do, or how you are supposed to act. What’s even worse is that getting divorced at this stage in life shakes your identity to it’s core! For the last 20 – 30+ years, you have thought of yourself as a married person: a husband, a wife, a part of an intact family. Suddenly, that identity is just gone. While many people assume that, by divorcing later in life they will at least be saving their children from suffering, sadly, that is not always true. Just because your children happen to be adults when you get divorced does not mean that they won’t be affected by your divorce. On the contrary, your adult children may be affected by your divorce even more than younger children would be. The bottom line is that you are going to have to put in the time and effort to make sure that your kids are ok, no matter how old you (or they!) are when you get divorced. As difficult as dealing with all of these emotional issues will be, by far the most significant impact that divorce over 50 will have on your life is the financial strain that divorce inevitably brings with it. The Financial Impact of Divorce After 50 Getting divorced is expensive at any age. But, the older you are, the more complicated your finances have likely become. If you are like most middle aged couples, you probably have a house, several vehicles, and (hopefully) some retirement accounts. You also probably have a mortgage, one or more car loans, various credit card bills, and perhaps a small (or maybe not so small) mountain of student loans that you either took out, or co-signed, for your children. All of that makes your divorce more financially complicated. (And, if you or your spouse, or both of you, are involved in a family business, that makes your situation more financially complicated still!) The more complicated your finances, the more expensive your divorce. The other reason that divorce after 50 causes a significantly bigger financial strain than divorce at a younger ages is that, because you are older, you have less time to recover financially after you are divorced. You don’t have 50 years to amass a nice nest egg for your retirement. You don’t have the luxury of taking the bigger investment risks that might get you a higher return on your money. You don’t have the time to go back to school, get another degree and build a career. So, if you are facing divorce after 50, what do you do? How can you lessen the impact of your divorce so that it doesn’t ruin what’s left of your life? 5 Tips for Dealing With a Later-in-Life Divorce 1. Get professional help. Do not try to go through your divorce alone. At this point in your life, you have way more to lose than your average 20 year old. Not only will you need a lawyer to help you, but you are also going to need a financial advisor, preferably one who is also a certified divorce financial planner. Finally, you would be well advised to get help from a therapist or divorce coach, and maybe join a support group. Going through a divorce after 50 can be really tough emotionally. You need support. 2. Consider alternatives to litigation. The last thing you need to do when you have a limited amount of time and money is to spend tens of thousands of dollars fighting in court. Investigate divorce mediation and collaborative divorce. Both can be less costly, more private, and less time-consuming than fighting in court. 3. Take the time to understand your current AND projected post-divorce finances. Your property division and the alimony/spousal support arrangement you make all may have financial and tax implications that you need to know about. You have to consider the financial pros and cons of keeping versus selling the house. You want to make sure that you will have enough income after your divorce to support yourself. You also want to make sure you understand your total financial picture so that you know if, and when, you can retire, as well as how much money you will have to live on when you do. 4. Accept that after your divorce, your lifestyle may have to change. You may need to delay your retirement plans. You may need to learn to budget better. You may need to learn to do more with less. Yes, it sucks that you will have roughly half the income and assets you thought you would have for your golden years. But if you don’t deal with your changed financial circumstances now and downsize your lifestyle now , you may find that in a few years, you have outlived your assets and don’t have enough income to support yourself. That will suck worse. 5. If you are unemployed, underemployed, or retired, consider getting a job asap. If you need to get a degree or training in order to be able to get a decent job, be practical! You want to spend the least amount of time necessary to train for a job that will get you the highest income possible. Even if you will be receiving support after your divorce from your spouse, unless you have enough assets left after the divorce to ensure that you will be able to retire comfortably, you would still be wise to try to earn as much money as you can while you can. The longer you can wait before spending down your assets, the further they will go. No matter what you do, or who you are, getting a divorce after 50 is going to impact you emotionally, financially, socially, and legally. What’s important is that you take the time to understand all of the legal and financial implications of your divorce, and to deal with all of the emotional issues that you are experiencing, so that you can make the best decisions possible. If you do, you will be well on your way to creating a happy and healthy post-divorce future. ________ If you are facing divorce after 50 (or think that you might be facing it) being prepared is key. Get your FREE Divorce Checklist to make sure you are ready for what’s coming. Send me My FREE Divorce Checklist Share this: I love to get your comments! I won’t publish your name and email, but, the internet is not private. If you are worried, don’t use your real name. KAREN COVY Divorce Attorney and Advisor For this and too many other info in Puerto Rico law Call to 7874847246 Go to http://legal.arsius.com #arsius #familylaw #puertorico #criminal

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Tips for Surviving a Divorce After 50 How do you feel when you’ve crossed the mid-line of life and find yourself facing something you had never dreamed you would face at this age: divorce? If you have been unhappy in your marriage for years, and can’t imagine facing your spouse 24/7 when you retire, you may feel strangely excited at the prospect of starting a new life. But, if you assumed that you were about to settle comfortably into old age with the person you married decades ago, and were completely blind-sided when your spouse announced that s/he wanted a divorce, you probably felt like you just got sucker-punched! Either way, surviving divorce after 50 presents a host of challenges that divorce at a younger age does not. Why is divorce after 50 different? While some might argue that divorce is divorce, divorcing later in life presents unique challenges that divorcing earlier on does not. For one thing, you don’t just have years of history together – you have decades! Your family, your friends, your neighbors, everyone you know, knows you and your spouse as “a couple.” Facing all of those people as someone who is “newly single” can be terrifying! You have no idea what you are supposed to do, or how you are supposed to act. What’s even worse is that getting divorced at this stage in life shakes your identity to it’s core! For the last 20 – 30+ years, you have thought of yourself as a married person: a husband, a wife, a part of an intact family. Suddenly, that identity is just gone. While many people assume that, by divorcing later in life they will at least be saving their children from suffering, sadly, that is not always true. Just because your children happen to be adults when you get divorced does not mean that they won’t be affected by your divorce. On the contrary, your adult children may be affected by your divorce even more than younger children would be. The bottom line is that you are going to have to put in the time and effort to make sure that your kids are ok, no matter how old you (or they!) are when you get divorced. As difficult as dealing with all of these emotional issues will be, by far the most significant impact that divorce over 50 will have on your life is the financial strain that divorce inevitably brings with it. The Financial Impact of Divorce After 50 Getting divorced is expensive at any age. But, the older you are, the more complicated your finances have likely become. If you are like most middle aged couples, you probably have a house, several vehicles, and (hopefully) some retirement accounts. You also probably have a mortgage, one or more car loans, various credit card bills, and perhaps a small (or maybe not so small) mountain of student loans that you either took out, or co-signed, for your children. All of that makes your divorce more financially complicated. (And, if you or your spouse, or both of you, are involved in a family business, that makes your situation more financially complicated still!) The more complicated your finances, the more expensive your divorce. The other reason that divorce after 50 causes a significantly bigger financial strain than divorce at a younger ages is that, because you are older, you have less time to recover financially after you are divorced. You don’t have 50 years to amass a nice nest egg for your retirement. You don’t have the luxury of taking the bigger investment risks that might get you a higher return on your money. You don’t have the time to go back to school, get another degree and build a career. So, if you are facing divorce after 50, what do you do? How can you lessen the impact of your divorce so that it doesn’t ruin what’s left of your life? 5 Tips for Dealing With a Later-in-Life Divorce 1. Get professional help. Do not try to go through your divorce alone. At this point in your life, you have way more to lose than your average 20 year old. Not only will you need a lawyer to help you, but you are also going to need a financial advisor, preferably one who is also a certified divorce financial planner. Finally, you would be well advised to get help from a therapist or divorce coach, and maybe join a support group. Going through a divorce after 50 can be really tough emotionally. You need support. 2. Consider alternatives to litigation. The last thing you need to do when you have a limited amount of time and money is to spend tens of thousands of dollars fighting in court. Investigate divorce mediation and collaborative divorce. Both can be less costly, more private, and less time-consuming than fighting in court. 3. Take the time to understand your current AND projected post-divorce finances. Your property division and the alimony/spousal support arrangement you make all may have financial and tax implications that you need to know about. You have to consider the financial pros and cons of keeping versus selling the house. You want to make sure that you will have enough income after your divorce to support yourself. You also want to make sure you understand your total financial picture so that you know if, and when, you can retire, as well as how much money you will have to live on when you do. 4. Accept that after your divorce, your lifestyle may have to change. You may need to delay your retirement plans. You may need to learn to budget better. You may need to learn to do more with less. Yes, it sucks that you will have roughly half the income and assets you thought you would have for your golden years. But if you don’t deal with your changed financial circumstances now and downsize your lifestyle now , you may find that in a few years, you have outlived your assets and don’t have enough income to support yourself. That will suck worse. 5. If you are unemployed, underemployed, or retired, consider getting a job asap. If you need to get a degree or training in order to be able to get a decent job, be practical! You want to spend the least amount of time necessary to train for a job that will get you the highest income possible. Even if you will be receiving support after your divorce from your spouse, unless you have enough assets left after the divorce to ensure that you will be able to retire comfortably, you would still be wise to try to earn as much money as you can while you can. The longer you can wait before spending down your assets, the further they will go. No matter what you do, or who you are, getting a divorce after 50 is going to impact you emotionally, financially, socially, and legally. What’s important is that you take the time to understand all of the legal and financial implications of your divorce, and to deal with all of the emotional issues that you are experiencing, so that you can make the best decisions possible. If you do, you will be well on your way to creating a happy and healthy post-divorce future. ________ If you are facing divorce after 50 (or think that you might be facing it) being prepared is key. Get your FREE Divorce Checklist to make sure you are ready for what’s coming. Send me My FREE Divorce Checklist Share this: I love to get your comments! I won’t publish your name and email, but, the internet is not private. If you are worried, don’t use your real name. KAREN COVY Divorce Attorney and Advisor For this and too many other info in Puerto Rico law Call to 7874847246 Go to http://legal.arsius.com #arsius #familylaw #puertorico #criminal

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Tips for Surviving a Divorce After 50 How do you feel when you’ve crossed the mid-line of life and find yourself facing something you had never dreamed you would face at this age: divorce? If you have been unhappy in your marriage for years, and can’t imagine facing your spouse 24/7 when you retire, you may feel strangely excited at the prospect of starting a new life. But, if you assumed that you were about to settle comfortably into old age with the person you married decades ago, and were completely blind-sided when your spouse announced that s/he wanted a divorce, you probably felt like you just got sucker-punched! Either way, surviving divorce after 50 presents a host of challenges that divorce at a younger age does not. Why is divorce after 50 different? While some might argue that divorce is divorce, divorcing later in life presents unique challenges that divorcing earlier on does not. For one thing, you don’t just have years of history together – you have decades! Your family, your friends, your neighbors, everyone you know, knows you and your spouse as “a couple.” Facing all of those people as someone who is “newly single” can be terrifying! You have no idea what you are supposed to do, or how you are supposed to act. What’s even worse is that getting divorced at this stage in life shakes your identity to it’s core! For the last 20 – 30+ years, you have thought of yourself as a married person: a husband, a wife, a part of an intact family. Suddenly, that identity is just gone. While many people assume that, by divorcing later in life they will at least be saving their children from suffering, sadly, that is not always true. Just because your children happen to be adults when you get divorced does not mean that they won’t be affected by your divorce. On the contrary, your adult children may be affected by your divorce even more than younger children would be. The bottom line is that you are going to have to put in the time and effort to make sure that your kids are ok, no matter how old you (or they!) are when you get divorced. As difficult as dealing with all of these emotional issues will be, by far the most significant impact that divorce over 50 will have on your life is the financial strain that divorce inevitably brings with it. The Financial Impact of Divorce After 50 Getting divorced is expensive at any age. But, the older you are, the more complicated your finances have likely become. If you are like most middle aged couples, you probably have a house, several vehicles, and (hopefully) some retirement accounts. You also probably have a mortgage, one or more car loans, various credit card bills, and perhaps a small (or maybe not so small) mountain of student loans that you either took out, or co-signed, for your children. All of that makes your divorce more financially complicated. (And, if you or your spouse, or both of you, are involved in a family business, that makes your situation more financially complicated still!) The more complicated your finances, the more expensive your divorce. The other reason that divorce after 50 causes a significantly bigger financial strain than divorce at a younger ages is that, because you are older, you have less time to recover financially after you are divorced. You don’t have 50 years to amass a nice nest egg for your retirement. You don’t have the luxury of taking the bigger investment risks that might get you a higher return on your money. You don’t have the time to go back to school, get another degree and build a career. So, if you are facing divorce after 50, what do you do? How can you lessen the impact of your divorce so that it doesn’t ruin what’s left of your life? 5 Tips for Dealing With a Later-in-Life Divorce 1. Get professional help. Do not try to go through your divorce alone. At this point in your life, you have way more to lose than your average 20 year old. Not only will you need a lawyer to help you, but you are also going to need a financial advisor, preferably one who is also a certified divorce financial planner. Finally, you would be well advised to get help from a therapist or divorce coach, and maybe join a support group. Going through a divorce after 50 can be really tough emotionally. You need support. 2. Consider alternatives to litigation. The last thing you need to do when you have a limited amount of time and money is to spend tens of thousands of dollars fighting in court. Investigate divorce mediation and collaborative divorce. Both can be less costly, more private, and less time-consuming than fighting in court. 3. Take the time to understand your current AND projected post-divorce finances. Your property division and the alimony/spousal support arrangement you make all may have financial and tax implications that you need to know about. You have to consider the financial pros and cons of keeping versus selling the house. You want to make sure that you will have enough income after your divorce to support yourself. You also want to make sure you understand your total financial picture so that you know if, and when, you can retire, as well as how much money you will have to live on when you do. 4. Accept that after your divorce, your lifestyle may have to change. You may need to delay your retirement plans. You may need to learn to budget better. You may need to learn to do more with less. Yes, it sucks that you will have roughly half the income and assets you thought you would have for your golden years. But if you don’t deal with your changed financial circumstances now and downsize your lifestyle now , you may find that in a few years, you have outlived your assets and don’t have enough income to support yourself. That will suck worse. 5. If you are unemployed, underemployed, or retired, consider getting a job asap. If you need to get a degree or training in order to be able to get a decent job, be practical! You want to spend the least amount of time necessary to train for a job that will get you the highest income possible. Even if you will be receiving support after your divorce from your spouse, unless you have enough assets left after the divorce to ensure that you will be able to retire comfortably, you would still be wise to try to earn as much money as you can while you can. The longer you can wait before spending down your assets, the further they will go. No matter what you do, or who you are, getting a divorce after 50 is going to impact you emotionally, financially, socially, and legally. What’s important is that you take the time to understand all of the legal and financial implications of your divorce, and to deal with all of the emotional issues that you are experiencing, so that you can make the best decisions possible. If you do, you will be well on your way to creating a happy and healthy post-divorce future. ________ If you are facing divorce after 50 (or think that you might be facing it) being prepared is key. Get your FREE Divorce Checklist to make sure you are ready for what’s coming. Send me My FREE Divorce Checklist Share this: I love to get your comments! I won’t publish your name and email, but, the internet is not private. If you are worried, don’t use your real name. KAREN COVY Divorce Attorney and Advisor For this and too many other info in Puerto Rico law Call to 7874847246 Go to http://legal.arsius.com #arsius #familylaw #puertorico #criminal

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Tips for Surviving a Divorce After 50 How do you feel when you’ve crossed the mid-line of life and find yourself facing something you had never dreamed you would face at this age: divorce? If you have been unhappy in your marriage for years, and can’t imagine facing your spouse 24/7 when you retire, you may feel strangely excited at the prospect of starting a new life. But, if you assumed that you were about to settle comfortably into old age with the person you married decades ago, and were completely blind-sided when your spouse announced that s/he wanted a divorce, you probably felt like you just got sucker-punched! Either way, surviving divorce after 50 presents a host of challenges that divorce at a younger age does not. Why is divorce after 50 different? While some might argue that divorce is divorce, divorcing later in life presents unique challenges that divorcing earlier on does not. For one thing, you don’t just have years of history together – you have decades! Your family, your friends, your neighbors, everyone you know, knows you and your spouse as “a couple.” Facing all of those people as someone who is “newly single” can be terrifying! You have no idea what you are supposed to do, or how you are supposed to act. What’s even worse is that getting divorced at this stage in life shakes your identity to it’s core! For the last 20 – 30+ years, you have thought of yourself as a married person: a husband, a wife, a part of an intact family. Suddenly, that identity is just gone. While many people assume that, by divorcing later in life they will at least be saving their children from suffering, sadly, that is not always true. Just because your children happen to be adults when you get divorced does not mean that they won’t be affected by your divorce. On the contrary, your adult children may be affected by your divorce even more than younger children would be. The bottom line is that you are going to have to put in the time and effort to make sure that your kids are ok, no matter how old you (or they!) are when you get divorced. As difficult as dealing with all of these emotional issues will be, by far the most significant impact that divorce over 50 will have on your life is the financial strain that divorce inevitably brings with it. The Financial Impact of Divorce After 50 Getting divorced is expensive at any age. But, the older you are, the more complicated your finances have likely become. If you are like most middle aged couples, you probably have a house, several vehicles, and (hopefully) some retirement accounts. You also probably have a mortgage, one or more car loans, various credit card bills, and perhaps a small (or maybe not so small) mountain of student loans that you either took out, or co-signed, for your children. All of that makes your divorce more financially complicated. (And, if you or your spouse, or both of you, are involved in a family business, that makes your situation more financially complicated still!) The more complicated your finances, the more expensive your divorce. The other reason that divorce after 50 causes a significantly bigger financial strain than divorce at a younger ages is that, because you are older, you have less time to recover financially after you are divorced. You don’t have 50 years to amass a nice nest egg for your retirement. You don’t have the luxury of taking the bigger investment risks that might get you a higher return on your money. You don’t have the time to go back to school, get another degree and build a career. So, if you are facing divorce after 50, what do you do? How can you lessen the impact of your divorce so that it doesn’t ruin what’s left of your life? 5 Tips for Dealing With a Later-in-Life Divorce 1. Get professional help. Do not try to go through your divorce alone. At this point in your life, you have way more to lose than your average 20 year old. Not only will you need a lawyer to help you, but you are also going to need a financial advisor, preferably one who is also a certified divorce financial planner. Finally, you would be well advised to get help from a therapist or divorce coach, and maybe join a support group. Going through a divorce after 50 can be really tough emotionally. You need support. 2. Consider alternatives to litigation. The last thing you need to do when you have a limited amount of time and money is to spend tens of thousands of dollars fighting in court. Investigate divorce mediation and collaborative divorce. Both can be less costly, more private, and less time-consuming than fighting in court. 3. Take the time to understand your current AND projected post-divorce finances. Your property division and the alimony/spousal support arrangement you make all may have financial and tax implications that you need to know about. You have to consider the financial pros and cons of keeping versus selling the house. You want to make sure that you will have enough income after your divorce to support yourself. You also want to make sure you understand your total financial picture so that you know if, and when, you can retire, as well as how much money you will have to live on when you do. 4. Accept that after your divorce, your lifestyle may have to change. You may need to delay your retirement plans. You may need to learn to budget better. You may need to learn to do more with less. Yes, it sucks that you will have roughly half the income and assets you thought you would have for your golden years. But if you don’t deal with your changed financial circumstances now and downsize your lifestyle now , you may find that in a few years, you have outlived your assets and don’t have enough income to support yourself. That will suck worse. 5. If you are unemployed, underemployed, or retired, consider getting a job asap. If you need to get a degree or training in order to be able to get a decent job, be practical! You want to spend the least amount of time necessary to train for a job that will get you the highest income possible. Even if you will be receiving support after your divorce from your spouse, unless you have enough assets left after the divorce to ensure that you will be able to retire comfortably, you would still be wise to try to earn as much money as you can while you can. The longer you can wait before spending down your assets, the further they will go. No matter what you do, or who you are, getting a divorce after 50 is going to impact you emotionally, financially, socially, and legally. What’s important is that you take the time to understand all of the legal and financial implications of your divorce, and to deal with all of the emotional issues that you are experiencing, so that you can make the best decisions possible. If you do, you will be well on your way to creating a happy and healthy post-divorce future. ________ If you are facing divorce after 50 (or think that you might be facing it) being prepared is key. Get your FREE Divorce Checklist to make sure you are ready for what’s coming. Send me My FREE Divorce Checklist Share this: I love to get your comments! I won’t publish your name and email, but, the internet is not private. If you are worried, don’t use your real name. KAREN COVY Divorce Attorney and Advisor For this and too many other info in Puerto Rico law Call to 7874847246 Go to http://legal.arsius.com #arsius #familylaw #puertorico #criminal