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Divorce touches almost everyone these days and in so many ways ... So much to think about. So many decisions to make. Who couldn’t use a little advice or direction? Meet our family of expert contributors — from doctors, lawyers, financial consultants, and fitness guru to relationship experts, health and beauty advisors and even a spiritual divorce counselor. Welcome to your best divorce resource where no appointments are necessary.

Maryann Kelly's picture

Should You Keep the House?

Posted to Resource Articles by Maryann Kelly on Fri, 07/18/2008 - 7:16am

You want the house. You know you want the house – unless it brings back too many bad memories. The question then is: Can you afford to keep it?

Well, can you not? I’m a financial advisor in Los Angeles, and I hear this question all the time. Should we sell the house and split the money? How can I possibly make the right decision?
 
Chin up, sister. My mentor Deborah, 71, was divorced 18 years ago and turned a $3 million dollar real estate portfolio into a $15 million dollar one.

You can too.
 
Let’s take a hypothetical: a couple has been married for 18 years. When they split up, they both thought they got the better deal.

The wife, who made less than half the salary of the husband, kept the $600,000 house, which had a remaining mortgage of $200,000. With taxes and insurance, her monthly payments would come to approximately $1,500, assuming a 30 year mortgage at 6.5%.

The husband, meanwhile, took something of equal value: an IRA worth $650,000.

To make their shares even, he threw in a $50,000 membership to the local country club, which she could sell if she wanted.

They split what remained in their savings account.

So who got the better deal? He got the equivalent of cash, and she was saddled with a mortgage, right?

And the membership to the country club required paying dues.
 
But she’s the winner.

The country club membership allowed her children to swim and learn tennis for almost nothing.

His IRA was effectively worth 25 percent to 40 percent less than its face value because all IRA distributions are taxed as ordinary income upon withdrawal.

Sure, the wife would be taxed if she sold the house, but the fed allows a $250,000 tax break on selling a primary residence if she lives in for two of the last five years.

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In the second of a two part segment, Debbie continues to pick the brain of Tony Dilluvio in an attempt to unearth the differences between men and women.

Do you think its time for you to turn over a new leaf? Embracing ways to improve yourself and the world around you can be a liberating experience for anyone who has been affected by divorce....


Are you considering plastic surgery? Divorce can lead to a desire for self-improvement and an increasing number of people are exploring the option of going under the knife. Listen as Debbie...


What's the first thing your girlfriends ask you when you meet that someone special, especially after going through a divorce? They typically ask you if you are emotionally compatible, spiritually compatible, or and/or physically compatible. But do they ever ask you if you are financially compatible? Probably not. This is incredibly ironic given that time and again money is cited as #1 cause of fights, #1 cause of divorce, and top source of general life stress. The reality is dealing with the subject right front can prevent a mountain of heartache down the road.

When you think your new relationship is heading to the next level (so not on date two but when discussing moving in or marriage) it's time to "get financially naked" with each other. Our point is that if you are willing to take your clothes off with someone in one way you should be willing to take your clothes off with them financially as well. Specifically we recommend exchanging a list of what you own, what you owe and your credit scores.

Light some candles, put on some soothing music and talk about how money was (or wasn't!) talked about as you were growing up. This is also a great time to talk about your life and financial priorities. This conversation will likely be awkward at first, but over the long run you'll be amazed at how it can really bring you closer. If you're not sure how to bring the subject up, say you read about it on First Wives World!

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Maureen Dempsey's picture

Dating 2.0: At the Speed of DSL

Posted to Resource Articles by Maureen Dempsey on Tue, 07/15/2008 - 9:48am

Entering the dating scene after just a few years off the market — let alone decades — can be an intimidating experience. Everyone else seems to have learned to send pictures on their cell phones, to write a quirky ad on Match.com and figure out how to upload flattering photos of themselves.

Nothing makes a woman feel out of the loop like technological advances.

A course might help, but you can probably figure all those things out if you spend some time actually playing with your cell phone and on the Internet.

Things become urgent when you decide that you are ready to date again. One-third of the 85 million baby boomers in North America are single, so it’s just a matter of meeting one.

What you may really need help on are the ins and outs of online dating, to which baby boomers are increasingly turning.

Sign Me Up

While connecting online has become the norm, finding a likeminded friend or date can become frustrating—if you’re fishing in the wrong pond.

Take the time to visit sites before signing up.

If sites feel too juvenile, consider “mature” dating sites, such as Lavalife Prime, which is geared toward men and women who are 40-plus.

Alternatively, narrow the field by joining niche dating sites.

Places like SingleBookLovers.com, for bibliophiles, or ASoundMatch.com, for music enthusiasts, or even singlemummy.com, for single parents, connect individuals through specific tastes or lifestyles.

All About Me

Now, the most difficult, most painstaking process: writing your profile.

Rather than agonizing over personal statements or — worse — selling yourself short, ask a friend to write it. He or she won’t shy away from playing up the positives.

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Jennifer and Dan, a couple in their mid-30s with two kids, had a fairly amicable divorce. But Jen still has a reservoir of residual hurt because the end of their marriage was directly caused by Dan's affair.

Dan, however, is eager to move on in a friendly manner.

Scene: It is Sunday morning and Dan is scheduled to take the kids. He drives up to the family house, opens the garage door and comes into the kitchen. Jennifer is cleaning up after breakfast and the children are nearby.

Dan: Hi guys.
Jennifer (icily): Hi.
Dan: What's the problem? I'm here to pick up the kids. You don't have to be so cold.
Jennifer: Did I invite you in?!

A Lesson about Boundaries:

Do not make your home available to your ex-husband, as if he still lived there.

He can knock on the door and you can deliver the kids to him at the door.

Particularly at the beginning of the divorce process, your house must become your sacred — and safe — territory.

Your home needs to be a place of refuge and should not turn into a boundary-less arena. Letting your ex-husband come and go as he pleases can make you feel uncomfortable and anxious.

From his point of view, nothing is wrong. This was his home. He may even own half of it.

Just remember that you need your space, and that boundaries need to be set.

In years of practice I have come to discover that when boundaries are set properly - and early - it is better for all involved, including the wife, the ex-husband and the kids.

Couples do better when they have set strong limits, given how powerful the pull of emotions can be during a divorce.

"It is easier to liberalize from a conservative position than to become more conservative from a liberal position."

This maxim applies to divorce. Try being conservative initially. Both in setting boundaries with your husband and, indeed, with your kids.

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Spiritual Divorce: When the House Is a Burden

By Kelly Koslow

Posted to Resource Articles by Guest on Mon, 07/14/2008 - 10:52am

Divorce triggers a huge range of emotions, but it is also the catalyst for a number of life changes! We can't stop the pain, the emotions, and the life changes from happening, but we can change how we deal with them.

When I was going through my divorce, like so many, I had to move and sell a house that I had built, the home in which my children grew up.

It was far too big and, after 10 years, things were breaking down. Paying bill after bill made me financially fearful.

I did not want to be house poor, but letting go of the house was harder than letting go of my husband, since the house represented my “white picket fence” dream.

I tried hard to hold on. I didn’t want to experience the pain of moving.

I was afraid of change.

I believed that if I could just control the situation and keep things “as is,” I would be OK.

I thought my resistance to selling my house was protecting me, but instead it locked me into the pain and it kept me mired in the circumstances I most disliked.

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Your ex husband is late for his visitation pick up. This is not the first time and you are getting tired of the disrespect and negligence. Besides, you have has things to do and your two children are getting uncomfortable.

In this scene, you have had it, and need to say something.

Here is the wrong way:

Mom: “He did it to me in the marriage and now he is doing it to you. Your father only thinks about himself.”

This is the right way:

Mom: “Dad appears to be running late.”

Child: “Again?”

Mom: “Some people run late. I am sure he will get here OK.”

Child: “But it bothers me.”

Mom: “You may want to let your dad know how you feel.”

It’s easy to understand why a mother might be outraged: her tardy ex- husband is doing it again, but this time he’s doing it not just to her, but to the kids as well.

She is angry that she has to continue to deal with her ex-husband’s apparent lack of respect and she identifies with her kids, feeling that they are being hurt.

This is a case where over identification is very easy to do. The mother can project her own feelings on the kids. In a misguided attempt to protect them she may make the error of not allowing the kids to have their own relationship with their father.

When she responds incorrectly, she is responding out of her own hurt and anger, imposed it now on them.

The kids in turn are then forced to take sides.

But is it possible their dad’s lateness is not really a big deal for them? Maybe they already accept their father for his many flaws, but enjoy him nevertheless?

It may be too much for them to identify with their mother’s outrage.

But when the mother has a sense of perspective and feels well centered, she can acknowledge his lateness in a factual and neutral way: “Some people run late.”

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First You Must Accept

By Jeff Malone

Posted to Resource Articles by Editor on Wed, 07/09/2008 - 9:04am

What if your life, as it is right now, is perfectly designed to support you in moving to the next and greatest expression of yourself?

What if everything happening at this moment is perfect for you, and will deliver you the life of your dreams?

What if there are no accidents and no coincidences?

Looking through those eyes, would you feel any differently about your divorce?

The first of the Seven Spiritual Laws of Divorce, the Law of Acceptance, asks us to stand in just that place — everything is as it should be.

Most of us spend most of our lives wishing that people, places and things were different. We get caught up in an internal struggle against what is and, as a result, we live lives filled with fear, pain, and hopelessness. We get wrapped up in the drama, the story, the interpretations of the events and circumstances that surround our divorce.

Instead of getting attached to our version of events, reinforcing our storyline, feeding the drama of our circumstances, what if we accepted that there is more going on than we know?

In Spiritual Divorce, Debbie Ford writes about how, as a young adult, she suffered deeply from her parents’ divorce. Even after years of therapy, she couldn’t let go of the sadness, and she could see no reason for having to go through so much pain and loss.

Now, of course, from this vantage point, she’s able to see that the divorce in her family and her own divorce were necessary parts of her journey.

Your divorce holds lessons, wisdom, and gifts that will propel you to uncharted, unimagined territory — a life truly beyond your wildest dreams. The first step to getting there is to practice acceptance, to acknowledge what is true in your life with no story, no blame, and no drama.

Practicing acceptance, even of the worst circumstances, is a powerful life-changing tool that will shift a moment of suffering into a moment of peace.

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