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What is Divorce Mediation?
By: Robert Brass, Divorce Mediator and
Laura Rosenberg, MA, LCPC, Therapist Divorce Mediator

Divorce mediation is a way for you to resolve your divorce and keep full control of the outcome. The only people making decisions are you and your spouse, unlike litigation where final decisions are made by a judge. During mediation, spouses typically sit down for several 1-3 hour meetings, and work together on issues like parenting, finances and property distribution. As mediators, we’re there to facilitate that discussion, assisting with communication, providing guidance, and offering suggestions and compromises. We use our specialized training to help you resolve your differences and create a Memorandum of Understanding, an agreement that’s fair to both you and your spouse, and, if you have children, in their best interests as well.


How Does the Process Work?

The actual mediation process involves following a step-by-step outline in a balanced and non-confrontational way. Generally, you'll start with the smaller issues and work your way up to the tougher ones so that you can build some momentum and trust.


What is the Mediator’s Role?
As mediators, we remain neutral and impartial, facilitating a free and open exchange of information between both parties. We can’t give specific advice to either spouse, and we also can't act as your lawyer. What we can do, though, is use the open mediation session to point out things both spouses need to keep in mind about their final goals. Because you’re both working from the same base of information, you can negotiate with confidence, and usually arrive at an equitable resolution much more quickly.

Why is Mediation Generally Less Expensive than Litigation?
Mediation is more affordable because it's faster and more direct. Most people come to mediation willing to work on their issues and learn how to communicate better. That willingness translates into a less expensive divorce because resolving a case is almost always cheaper than taking it to trial. Rather than speaking through lawyers, you speak with each other (with our help, of course) about your goals and issues. Even if lawyers are involved in your mediation, (and we do recommend that you have legal counsel), they aren't spending hours in court waiting for the judge, or billing you for endless phone calls about the smallest details of your case. When you bring an attorney into the mediation process, they help show you a range of possible outcomes by comparing litigation to mediation, and their fees are typically much lower than direct litigation.

Why Should I Choose Mediation?
In comparing couples who have mediated their divorce with couples who have gone through a traditionally litigated divorce, research has shown:

 
Mediating couples are –

Committed to working together for the benefit of their children.

More likely to be satisfied with the process and results.
 More likely to take less time and spend less money.
Less likely to go back to court at a later time to fight about something else.

 
Teaching Kids Lessons Beyond Dollars and Cents

(ARA) - To say that money matters have been getting a lot of attention as of late is an understatement. It's hard to turn on the television, read a newspaper or surf the Web without the topic coming up in one form or another. While many of us have grown used to the constant chatter, it might not be the case for children. (Complete Article)

Given the economic crisis, now, more than ever, it's important to teach the children in your life about the basics of money management. And to take it a step further.

Kids today learn about money the same way most adults did -- by watching and listening to those closest to them. While getting a weekly or monthly allowance and saving for the "must-have" toy are certainly important life lessons, there is another element that is much easier for adults to overlook. Sharing and giving back.

"Saving, spending, and sharing can be the cornerstones of a financial education foundation that can last a lifetime for kids, " says Laura Dierke, financial education program manager with Thrivent Financial for Lutherans, a faith-based financial services organization. "Most of us have a pretty good handle on how to teach the basics of saving and spending. But lessons on sharing aren't always as easy."

This April 24, during Financial Literacy Month, parents have the opportunity to take a first step in teaching this lesson during the first-ever national Teach Your Kids to Share Day. Thrivent Financial for Lutherans established the event to bring parents and kids together to learn about spending, saving and sharing not only their money, but also their time and talents. More than 50 cities across the United States will be hosting a Teach Your Kids to Share Day event filled with fun and interactive workshops.

Spending, saving and sharing may be simple concepts, but making intentional decisions about these three S's is an important part about helping children develop healthy money habits.

Here are three ways you can use to start the lesson at home:
* Discuss with your child how you spend, save and share your money. For example: explain how you spend money on groceries and the home; how you save money by depositing money in the bank; and how you share money by supporting your place of worship or a charitable cause.

* Ask your child to write down how they want to spend their money, what they want to save their money for and how they want to share.

* Work together on establishing a guideline on how they'll manage their money. For example -- if you set "share 10 percent, save 10 percent and spend 80 percent" as a guideline, the next time your child gets $20 as a birthday gift, the child should divide the money to meet the guideline.

Most importantly, make sharing an ongoing conversation. Talking with your child is one of the best ways to build a financial foundation for the whole family.

Amidst today's turbulence is a silver lining. While many of us re-evaluate our attitudes toward our financial choices, we have an opportunity to take a step back to make sure we are passing on important lessons beyond dollars and cents to the next generation.

Courtesy of ARAcontent


 
 
What Is Divorce Mediation?
Article Written by: 
Diana Mercer 

What is divorce mediation? 

What is custody mediation? 

Divorce Mediation and Custody Mediation are ways to resolve your divorce or custody dispute which lets you keep full control of the outcome. The only people making decisions are those involved in the dispute, unlike arbitration or litigation where a judge or an arbitrator makes the final decision. 

Divorce Mediation and custody mediation typically consist of several joint meetings between spouses (or parents, if you are not married) which last 3-4 hours each. During those meetings, you and your spouse discuss the issues which need to be resolved in your case. The mediator is there to facilitate the discussion, assist with communication, provide information and suggestions, and use specialized training to assist the two of you to resolve your differences and write up an agreement which is fair to both of you, and, if you have children, in their best interests as well. 

What happens at the first mediation meeting? 

Many mediators offer a free mediation orientation so that you can meet the mediator(s) and decide if you'd like to try using mediation to settle your divorce or Family Law matter. Usually, the orientation lasts just 20-40 minutes. The mediator will explain the process, and you can ask any questions that you wish. The mediation orientation is about the mediation process, and not the details of your particular case. Ask if the mediator you're considering offers an orientation because getting divorced and choosing a mediator are very personal, very important decisions. Make sure you choose the right professional mediator and mediation office for your needs. 

The actual Mediation process involves sitting down at a table in a neutral location where both parties will have the opportunity to present their stories in a balanced and non-confrontational way. Each person gets a chance to tell their side, and you'll decide in the session how the session will unfold, like who goes first and how long they speak, whether you'll stay in joint session or speak separately with the mediator, and whether you'll have your individual attorney present at the session. 

Generally, mediation sessions are structured with a short intake, setting an agenda (a list of the issues) and then the decision of which issue to discuss first. Generally, you'll start with the smaller issues and work your way up to the tougher issues so that you can build some momentum. You'll work through each issue until there are no more issues left. 

Ask if your mediator will write a summary letter about your session, including the agenda, tentative agreements, things to think about, and to do list for the next session. These letters are a lot of work for the mediator (ours are billed at 1 hour but usually take 2 or 3 hours to prepare) but they're very valuable. With a summary letter, everyone starts with the same memory of what happened in the session, and if you need to see an attorney, accountant, or therapist in between sessions, you can share your summary letter with him or her so that they know what you're working on. 

Sometimes, people find they need more information before they can make an agreement or before the session can continue. When that happens, you can either go on to another issue, or stop the session and make another appointment, so that you'll have time to gather the information you need, or speak to your accountant, lawyer, or other advisor(s). Mediation works best when people don't feel rushed to make an agreement and when they have all of the information they need to make a good agreement. Why mediation? Mediation is the most practical and healthy choice for a person to make when facing a divorce. It helps you avoid the stress of litigation, saves you money, and helps you put the unpleasantness of divorce behind you as quickly and peacefully as possible. Generally, the agreements reached are more thoughtful and tailored to your individual circumstances, and your family's circumstances, than the typical court judgment. As a result, the adherence rate to mediated agreements is much higher than that of adherence to court orders. 

Why is mediation cheaper? 

Mediation is cheaper because it's faster and more direct. Most people come to mediation willing to work on the issues and to learn how to communicate better. That willingness translates into a less expensive divorce because resolving a case is almost always cheaper than taking it to trial. Rather than speaking through lawyers, you speak with each other (with the mediators help, of course) about your goals and issues. 

Even if lawyers are involved with your mediation, they aren't spending hours and hours in court waiting for the judge to be free to hear your trial or billing for endless back-and-forth phone calls about the smallest details of your case. When you're using your lawyer, they're actually working on your case and helping to settle. Consequently, their fees are typically much lower than in a case which is brought to court to litigate. 

Many mediators fees are lower than local divorce lawyers. On average, clients resolve their cases with a mediators help in 4 to 10 hours. 

Why is mediation more effective? 

Mediation is more effective because: 

* you get a chance to fully discuss an issue before you agree on it 

* you can try out agreements before the judge makes the divorce final 

* you learn to communicate better which makes new and old issues less likely to turn into arguments, or worse still, days in court 

* you can take time in between each appointment to think about whether or not a proposed solution makes sense 

* if you need to change a solution before finalizing your divorce in court you can do it quickly and easily 

What if we can't even talk? How can we mediate? 

If you are willing to try to learn to talk to each other, then it's worthwhile to try mediation. Mediators are professionally trained to help people to build agreements and to learn to communicate with each other. If you're willing to try, a skilled mediator can get you talking. 

As mediators, we've found that everyone who wants to reach an agreement and who is ready to reach an agreement will reach an agreement in mediation. If you don't want to reach an agreement or you're not ready to agree, there's not much a mediator can help you with. On the other hand, if you're in a lot of conflict, not speaking, and ready to go to court yet you're ready to and want to reach an agreement, a mediator can help. 

If being in the room together is too difficult, ask to schedule separate sessions either at different times or at the same time, but in separate rooms (called a caucus). This can let you take advantage of the benefits of mediation without the stress of being together in the same room. 

What happens if we don't agree in mediation? 

Even if you cannot agree on everything, you will probably be able to agree on some things. Each issue that you resolve in mediation translates into less time in court, less legal fees and less aggravation for you. And, for those issues you could not agree upon, at least you understand what those issues are, and where you stand. At the very least, you will feel like you tried your best to reach an agreement before resorting to court intervention. 

Sometimes new information, proposed solutions, or the passage of time makes it possible to resolve a previous disagreement, so even if you don't resolve your issue immediately, you may be able to resolve it a week or a month later, without having to go to court. Because mediation is flexible, you're free to schedule an additional appointment at any time. You're also free to stop the mediation at any time if you don't feel you're making progress toward resolution. 

About the Author: Interested to learn more? Visit Diana Mercer?s Peace Talks Mediation Services, Inc. web site, http://www.peace-talks.com or the Peace Talks Mediation Services Blog, http://www.peace-talks.com/divorcemediation/index.php Diana Mercer, is the founder of Peace Talks Mediation Services in Los Angeles (http://www.peace-talks.com) and the co-author of Your Divorce Advisor: A Lawyer and a Psychologist Guide You Through the Legal and Emotional Landscape of Divorce, (Fireside 2001) http://www.yourdivorceadvisor.com. For free resources and planning tools for divorce and custody, visit our resource center at http://www.peace-talks.com/prepare.php. 

Source: http://www.isnare.com

 
Divorce and Credit
Article written by:  
Rachel Nava 

When you are going thru a divorce, you are going to want to pay close attention to your credit. One thing that most men and women figure is that they are not going to have any problems with their credit once they have gone thru a divorce. There may be a few of the men and women out there that are not going to have any kind of problems. 

One of the first things that you are going to want to do when you decide that you are going to go through a divorce is to try to obtain all of your credit cards in your own name with out your spouses name on them. That will help you establish your own credit history for future reference. Another good thing about having credit cards in your own name you are not going to have to worry about loosing them throughout the divorce proceedings. Plus it may be a way for you to have a little help in paying all the court cost that go alone with the process of a divorce. 

One problem that you may run into is that if all of the assets are a joint account and your spouse is supposed to pay for them. However, your spouse is often times unable to pay for all of the accounts because of a difference in their pay or because they find that they have more bills to pay once, they are completed with the divorce. You may even notice that it is a lot harder to live on one income compared to when there was two incomes coming in the house. 

You could notice that it is going to be harder for you to obtain credit once you are on your own. It could be something as small as obtain a credit card for any emergencies that may arise. If you are in need of receiving a credit card, and it seem like more and more credit card companies are turning you down because of your credit history or because of your income status. You may be able to explain to them why you have a lapse in your credit report because of the divorce that you have gone thru and let them know that you are looking to start to rebuild your credit history. There may be a few credit card companies out there that are going to be will to give you a chance on rebuilding your credit with a low credit line credit card. 



About the Author: Rachel Nava recommends Find Credit Cards for comparing different Discover credit card applications. See http://www.findcreditcards.org/issuer/discover.php for more information.


Source: http://www.isnare.com

 
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or email: robert@robertbrass.com
Schedule a free half-hour introductory consultation
Offices in Deerfield, IL - Vernon Hills, IL - Schaumburg, IL 
and Chicago, IL.

 
To learn more about how our Divorce Mediation Practice can help you, please contact us today. We help clients throughout Cook County, Lake County, Illinois (IL)--including: Chicago, Skokie, Northbrook, Northfield, Deerfield, Lake Forest, Highland Park, Glencoe, Wilmette, Winnetka, Evanston, Lake Bluff, Buffalo Grove, Vernon Hills, Gurnee, Lincolnshire, Glenview, Naperville, Schaumburg, Libertyville to name a few.