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All I Want for Christmas is My Son Back
The holidays are upon us … and how they churn up our emotions. The expectations … the memories … the empty chairs … Somewhere there’s the Norman Rockwell family celebrating , but it was never at my house. Was it at yours? A client and I have in...
Be The Samurai Sword
Relationships are constantly facing crisis. Everywhere we look people are in dispute with one another. Companies are in dispute with one another. Countries are even in dispute with one another.
Arguments, litigation, divorce, even war are the...
Getting Raw Land Not A Raw Deal
There is more to buying raw land than meets the eye and more than a few individuals have wished they’d had a second chance upon finding themselves duped, conned, misled, ill-advised, uninformed, oversold, undereducated and often unprepared. They...
Home Improvement For Ladies
This report is written for those people who may want to improve or update their own home so along those lines, I would like to give you an overview of the factors that may lead you in creating a more effective and successful home improvement...
Woman Thou Art GREAT
"Be not afraid of greatness, some are born great, some achieve greatness and others have greatness thrust upon them." -William Shakespeare You are GREAT! No matter what aspersions have been cast upon you by either yourself or by others,...
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Homeownership: Could it be in Your Future?
Whether you are young, newly divorced or in transition, or a newcomer to America , you rightfully want full participation in the American Dream to own your own home. Still, renting might be the best choice (or only alternative) for you right now.
In order to realize your dream of homeownership in the future, the time to set your goal and make your plan is now. Although this will require budgeting, saving, maintaining good credit, and timing, the rewards of planning for homeownership can be considerable.
If you have never owned a home before, take heart: All or nearly all of today's older homeowners were once the nation's renters. It is the American way to strive toward ownership of one's own home for the sake of privacy, independence, security and self-expression.
Homeownership is also the starting point for accumulating wealth and enhancing your financial security. According to the U.S. Census Bureau, renters say their number one reason for saving is to buy a home. In addition, 85 % of us identify the first step toward “the good life” as “owning a home.”
Historically, landowners have been the decision-makers and power-brokers in our nation. Until 1860, renters were not even allowed to vote! Unless you have good reason to remain a renter --- love of the carefree lifestyle and a good financial plan to steadily accumulate alternative investments to finance your retirement --- you should make plans now to become a homeowner as soon as possible.
Build and follow a financial road map that leads you to the home you really want. Scrimp a little today to realize your dream tomorrow.
If that sounds easy, it's not. All major decisions, including our housing decisions, are fraught with emotional factors not often recognized.
In making your housing decisions,
you employ your personal housing value system, including all that you value about where and how you live. This system incorporates personal, social and tangible factors as well as financial perceptions that are not necessarily objective views.
In addition, you have a housing history, made up of the values, wants and needs associated with every place you've ever called "home", and that also influences your decisions; left unexamined, it can mire you in the past and undermine your goals.
If you decide that you too wish to be a home owner, it is important that you begin to accumulate savings while you are renting.
Begin observing the housing market to get a sense of what houses cost and where different houses are located. While doing this begin to develop a sense of the importance of market timing - when is or isn't a good time to buy.
Make decisions about the living arrangement you want in the short term and in retirement, and set these as goals to work toward.
Modify your plan realistically through the years, and live up to it.
Anchor your retirement planning with the home of your dreams, and save regularly to make your dreams come true.
And, finally, learn all you can about your housing history and value system to that you can make the right decisions as your plan unfolds.
If you follow all of these steps, a new home could very well be in your future.
About the Author
Lois A. Vitt is a housing expert and financial sociologist, and is the author of "10 Secrets to Successful Home Buying and Selling: Using Your Housing Psychology to Make Smarter Decisions", the first book in the real estate market to demystify the psychological forces behind our housing decisions. To learn more about Lois and this book, visit www.RealtyStudies.com.
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| divorce.co.uk - advice on mediation, counselling and legal aspects ... |
| An overview of divorce in the UK, including the law, mediation options and emotional support, from Mills & Reeve. |
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| Divorce Magazine, information about separation and divorce |
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| Divorce - Wikipedia, the free encyclopedia |
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| en.wikipedia.org |
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| The Divorce Support Page: Divorce, Child Custody, Alimony, Support ... |
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| DivorceInfo Surviving Divorce Managing Lawyers Alimony Child Support |
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| Divorce - Wex |
| An overview of divorce law with links to key primary and secondary sources, from Cornell University's Legal Information Institute. |
| www.law.cornell.edu |
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| MedlinePlus: Divorce |
| Children; Children and Divorce (American Academy of Child and Adolescent Psychiatry) ... Select services and providers for Divorce in your area. ... |
| www.nlm.nih.gov |
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| Divorce Aid :: Online Guide to UK Divorce Law, Information and Advice |
| The largest free online interactive divorce resource in the UK for divorce law, advice, emotional support, counselling, mediation, and website for ... |
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| Divorce-Online :The UK's leading low cost divorce service |
| The largest free online divorce and separation resource in the UK with information, forums, chat, experts and articles. |
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| How to Divorce As Friends - Featured on Oprah - Bill Ferguson |
| Advice, recommended books, and telephone counseling to help couples resolve difficult issues connected with divorce or even save their marriage. |
| www.divorceasfriends.com |
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| Welcome To Divorce Online ~ www.divorceonline.com |
| An electronic journal providing information and referrals for people facing divorce. |
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| Federal Magistrates Court - On-line Application for Divorce |
| In the short-term, please use the Application for Divorce form which can be found at ... Our E-mail address for family law enquiries (including divorce) is ... |
| www.divorce.gov.au |
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| DivorceCare: Divorce Recovery Support Groups |
| DivorceCare is a divorce recovery support group where you can find help and healing for the hurt of separation and divorce. |
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| Divorce Central Home Page |
| Links to divorce-related resources, organized by state, with an archive of articles and interviews. |
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| Divorce Helpline — tools to keep you out of court |
| Providing information about divorce, and referrals to family law attorneys. |
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| Divorce and relationship breakdown : Directgov - Parents |
| Advice on counselling, mediation and the divorce process, including where to find a solicitor. |
| www.direct.gov.uk |
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| Americans for Divorce Reform, Inc. |
| John Crouch speaks about divorce law reform and presents a paper by John Crouch and Richard ... To find out how to work on divorce reform in your state ... |
| www.divorcereform.org |
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| Divorce Busting® - Solve Marriage Problems, Save My Marriage, Save ... |
| Divorce is not the answer to marriage problems. Stop your divorce and save your marriage with advice from Michele Weiner-Davis. |
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