I suppose there are a lot of lighter topics that one could talk about on the dawn of a new year, however in my line of work every year around this time I find myself providing counsel to individuals and couples that have decided to go their separate ways. Generally, it's not the holidays or the new year that actually done the relationship in. Although the stress of the holidays coupled with unwanted conversations over politics with in-laws that may have over stayed their welcome certainly doesn't help a struggling couple find their way. Typically, the relationship has been broken or been breaking for a long time leading up to these conversations.
It's never easy for someone to open up about personal matters such as this and quite frankly especially when there are children involved, it can be a very emotional conversation. I decided to lay out some of the biggest takeaways and advice that I could give to someone facing the breakdown of a relationship and the prospect of a divorce or separation....
Tis the season for giving thanks, for pulling our loved ones close to us and letting them know how much we appreciate and love them, for being charitable and spreading joy and good favor to those less fortunate and in need. For a lot of you out there (if you're anything like me) this is a time for reflection; this is a time to look back at the prior year and often during this time, I think about some of the families and situations that we were privileged to work with. Now in business, just like with our families, things don't always go the way we planned and every year there's a handful of circumstances and situations that create complex issues that we as a team try to collaboratively solve. Here are few situations that we encountered in 2016.
Disclaimer: We take our clients right to privacy extraordinarily seriously so these stories have been altered to protect the identity of our clients and serve only as an example of the said situation.
If you're anything like me then you dread going to the doctor, you dread going to the dentist, you dread shots, medical checkups, exams and tests that you can't pronounce the name of. Just like most people when I hear the phrase "checkup", my "I don't want to do that" sensors immediately start to go off. The term checkup is innocent enough but it can be associated with varying levels of pain, discomfort and scariest of all: the unknown! Of course for me anyways these feelings and associations all happen in the blink of an eye, subconsciously. As a parent of two it certainly is my job to help my children understand the benefits of getting a checkup and to help them overcome the fear, the uncomfortableness and the potential pain of the dreaded exam. So, in that parental spirit and without further ado, here are my six reasons why doing a mortgage checkup is less painful than a medical checkup and something every homeowner should have on their annual to do list: