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Expert tips for making a divorce less daunting

When people make the decision to get divorced from their spouse in Florida, they often face an uncertain future filled with challenges related to everything from the stability of their finances to the care of any children they have shared. Coping with the circumstances and being able to maintain a realistic and healthy perspective can be both daunting and difficult for many, but with the implementation of certain practices, people may find that divorce is not as overwhelming as they originally thought. 

One suggestion that many experts recommend is that people going through a divorce consider working with a therapist to manage their emotions and learn healthy ways of handling the heightened stress they are feeling in relation to the drastic changes in their relationship. Ongoing therapy can help people to rebuild their confidence and recognize that their current situation is temporary and can be overcome. 

How divorce may affect insurance coverage

Couples in Florida generally understand that a divorce is a lifechanging event. This affects not just the two individuals leaving the marriage, but their children, other family members and their assets. Still, many people feel surprised to know that it may affect their insurance too.

Forbes notes that one of the most commonly affected insurance types is health insurance. In most policies at work or through Healthcare.gov, one spouse receives coverage under the other person’s policy. Typically, the higher-earning spouse uses a plan sponsored by their employer.

Parents are giving up children to get them mental help

Mental health is a growing problem in Florida and the rest of the United States. With so many mass shootings and domestic assault incidents now blamed on mental health, parents with children struggling with psychiatric problems are doing the unthinkable. They are relinquishing their parental rights to ensure their children receive the mental health care they need.

According to ABC Action News, when the insurance company stops paying for the cost of mental health care, there is little some parents can do to keep up with costs. One father made the difficult decision to relinquish his parental rights after his son tried to not just kill the family dog twice, but also poison the father and his wife with toilet bowl cleaner. His son now has access to long-term mental health care funded by the government. However, the son is also facing criminal charges related to the incidents described.

With some outlets of relief, the risks might not be on the label

Dealing with the strain of overwhelming amounts of debt can be a stressful and harrowing experience. If you feel you are facing an uphill financial battle, you could be exploring a variety of options to help you achieve relief from the trials of debt, but some of these options might not come with a warning label.

If you come across the option of consolidating your debts through a settlement, you may feel that this is an option worth looking into. However, there are certain potential risks associated with debt consolidation and understanding these risks could prove vital to helping you prepare to make an informed decision.

Bankruptcy filing rates increasing among elderly Americans

Florida has long been known as the state retirees flock to in their latter years. With lower taxes and plenty of sunshine, it is an ideal haven for people as they enjoy their retirement. Even so, not everyone plans well enough for retirement. And, even when they do, unexpected catastrophe can spell trouble for even the best retirement plans.

According to the National Public Radio, a study found that Americans 65 years and older were facing high levels of bankruptcy. In fact, the number of elderly Americans filing for bankruptcy is now three times as high as it was back in 1991. The main reasons for bankruptcy are medical expenses and reduced incomes. Many of these people lost money in the 2008 economic crash and others may have outlived their retirement plans.

What are some things to avoid during divorce?

When getting divorced in Florida, there are some obvious things to avoid. A few of these include purchasing new assets together or taking out more shared debt. Maintaining a physical relationship may also lead to complications. But, what about the less obvious things?

According to Business Insider, the first is talking to financial advisers that do not make sense to you. Whether you are the breadwinner, the homemaker or neither, you want to ensure that whoever you work with can provide advice you understand and agree with. It should also be applicable to your specific financial goals.

Creating a blended family with biological and adopted children

Many of the people who chose to adopt do so because they cannot have biological children. However, Florida individuals and couples who already have children may also choose to adopt. There are some unique benefits and challenges that exist when people create a blended family of biological and adopted children. Adequately preparing children for the arrival of an adopted sibling may help make the process smoother for everyone involved.

Some potential adoptive parents and children worry about affection levels. In a blended family, there could be problems if children feel that their parents love their siblings more. Many individuals may wonder if parents favor their biological children over their adopted children. However, research described in Science Magazine may help put those fears to rest. In a study of 135 pairs of children, including sets of biological and adopted children, most parents did not favor their biological children over their adopted ones.

The trouble with misattributed paternity

When fathers in Florida discover that the child they raised as their own is not their flesh and blood, they are often devastated. Some fathers find it difficult to bond with the child after learning this, causing the child to suffer for a mistake that was not their own. Others may seek separation from the mother.

In some instances, both parents know the father is not a biological parent, and it is the child who is shocked by the disclosure. This may happen if a man begins a relationship with a woman shortly after she became pregnant for a former partner, or if a man is sterile and opted for a sperm donation or similar arrangement with his partner.

Do you need to file bankruptcy while separated from your spouse?

Financial issues and divorce often go hand in hand. One of the leading reasons why people file for divorce is because of money issues, and these financial struggles do not simply go away when a couple separates. In fact, you may find that you continue to have a difficult time making ends meet while you are living apart or going through the divorce process. Separation can amplify money-related trouble.

If you are unable to manage your debt and continue to deal with financial complications, you may consider moving forward with bankruptcy. This is not an easy decision, especially during a time of separation, but it may allow you to achieve a better financial future. It can help to learn more about this process and what it may mean for your separation or future divorce. 

Mistakes couples make regarding prenuptial agreements

Engaged couples in Florida often spend a lot of time planning the wedding and honeymoon, but one area they should also be focusing their energies on is writing a prenuptial agreement. Many couples avoid talking about it because it may seem awkward or unromantic, but it is important for long-term protection. There are a number of mistakes couples make in regard to prenups.

According to The Knot, one of the big mistakes is couples do not talk about it at all, or they only briefly touch on it. Talking about money and debt is usually not a fun discussion, but it is important for marrying couples to be open with each other to help avoid surprises later on. Experts also recommend talking about it early and often, and that couples should sign a prenup at least six months before tying the knot.

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