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When You Aren’t Living Your Best Life

You might be surprised how many people go through a massive life overhaul all at once. They are in the middle of getting divorced, potentially moving into a new home and then WHAM, they quit their job or get fired. This happens ALL-THE-TIME but why?

For some people, they are trying to reinvent themselves for a multitude of reasons;
For others, they are trying to manipulate child support or alimony obligations (we don’t recommend this); or
They get fired.

Divorce can be an emotional roller coaster regardless of whether you wanted it to happen and how amicable the situation has been. The stress can have a massive effect on your body and mind, often leaving people distracted or absent minded. What can you do to help yourself before your divorce becomes an issue at work?

1. Communicate with your boss or human resources department to let them know what is happening. Not only will they potentially need to be involved with providing insurance coverage information, but they are more likely to be supportive and understanding if they they are aware of the situation and if you have reassured them that you will still get all of your work done in a timely manner;

2. Do not make a grandiose announcement or talk about your divorce at work, but if you do, only talk with a select group of close work friends and keep it to a minimum, especially during work hours;

3. Handle personal and divorce matters outside of work hours. Occasionally, you may need to respond to an email or call, but be mindful of your volume and content if you do so;

4. Do not use your work email for communication with your attorney. Some companies monitor their employees’ email and it will not benefit you for your company to know your personal business;

5. When you need to miss work to attend a divorce related meeting or appearance, inform your employer as soon as possible;

6. Put in the extra time at work if needed. If you are an hourly employee, don’t request over time pay if the extra time is needed to finish things that you would have normally finished but for the divorce;

7. If and WHEN you feel stressed or anxious, take a few minutes to refocus by getting some water or going for a quick walk;

8. Keep your emotions under control. We can assure you that if you get fired for poor performance or yelling at your boss, your spouse’s attorney will find out and will use it against you;

9. Get more involved with group projects if you can. Not only will it force you to be more accountable and keep you on schedule, but it will also give you an excuse to interact with others.

As always, please let us know if you have any questions about this or any other legal matters.

Regards,
John & Faye

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We Salute You

We have so much respect and gratitude for our veterans and active military. As a small offering of gratitude, we will be offering a 10% discount to veterans and active military who purchase a title insurance policy written by us through Old Republic Title Insurance. This offer only applies to new policies and we can not retroactively reimburse you for previous transactions.

Some of our lenders and realtors offer discounts for veterans and active military also; please let us know if we can help you put together a team for your next home or refinance!

Warm regards,
John & Faye

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They Made Me Eat Ice Cream *EVERY* Day

Many, many years ago, when I was quite young, my parents went oversees for about two and a half weeks. While they were there, I stayed with my grandparents. When they returned, I filed my first written Complaint with the proper authority (aka my mom) regarding the cruel treatment that I endured at the hands of my grandparents: they *forced* me to go out for ice cream sundaes every night and I suffered a bit of a belly ache. I tell you, it was horrible.

Jokes aside, I was lucky to have grandparents who wanted to spoil me rotten, but even luckier that they lived well into my adulthood and got to know my children. Not everyone is fortunate enough to have their grandparents to involved in their daily life and for so long.

It is rare, though not uncommon, that grandparents have to fight for the right to see their grandchildren. In order to file a Complaint for Grandparent Visitation in Massachusetts, the following conditions must be met:

1. The parents must be divorced or separated;
2. A parent must be deceased; OR
3. The child was born out of wedlock; AND
4. Paternity has been established;
5. Visitation has previously been denied;
6. The best interest of the child is to have a relationship with the grandparent(s); and
7. The child would suffer harm if the contact and relationship were denied.

Let us know your favorite memory or memories with your grandparents. We can’t wait to hear from you!

Warm regards,
John and Faye

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Survey Says

If you haven’t already figured it out, inspiration for our newsletters often comes from pop culture or current events; this one comes from channel surfing in between innings and randomly catching a question on Family Feud.

What caught our attention? “If your husband told you that he wanted a divorce on Sunday, what would be the first thing that you do on Monday morning?” Of course, we were curious how people answered.

The answers that didn’t find a spot on the survey were entertaining: throw a party, go on a date, have sex with my spouse’s best friend and bad mouth the person.* We can’t tell anyone what to do, but generally speaking, we recommend not doing any of those things.

What *should* you do in the short term?
1. Call a lawyer to familiarize yourself with your legal rights;
2. Take care of yourself by remembering to eat, sleep, exercise and maintain your appearance;
3. Speak positively about your spouse in the presence of your children;
4. Try to avoid hostile confrontations with your spouse;
5. Remind your children that you love them and divorce will not change anything;
6. Seek out a therapist;
7. Answer questions that your spouse may have about things that may have occurred during the marriage in a respectful manner but be careful about asking questions while you are still angry;
8. Start collecting financial information about marital assets; and
9. Retain an attorney.

We realize that some of our suggestions may not be easy to do in the heat of the moment when you are hurt or angry. Chances are good that you will have some heated discussions, but civil discussions are usually more effective and productive.

As always, we are here to help you with any legal questions that you may have. Please feel free to call the office or email us at faye@wjslegal.com.

Regards,
John & Faye

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You’ve Got to Know When to Hold ‘Em.

“You’ve got to know when to hold ’em
Know when to fold ’em
Know when to walk away
And know when to run
You never count your money
When you’re sittin’ at the table
There’ll be time enough for countin’
When the dealin’s done.”
– Kenny Rogers

Mortgages are a bit like gambling. You never know when the “perfect time” to initiate a new mortgage is, because there is always a risk that interest rates could go down slightly right after you sign the documents; however, there is always a risk that rates could also rise. The good news is that you can always refinance if rates drop, so unlike gambling, you can “fix” a bad hand.

Right now is a great time to buy (or refinance if you haven’t already done so). Mortgage rates are still really low and  housing prices have stabilized. Of course, nobody wants to pay more than they have to for their home. Here is how to “win” the mortgage game:

1. Connect with a really good loan officer.* He or she will help you to obtain the best mortgage rate available based on your income, liabilities, assets and credit score;
2. Correct your credit score, if needed;
3. Consider a 15 year mortgage instead of a 30 year. The monthly payments are often only slightly higher, but you can save a ton of money by minimizing how many years you are paying interest;
4. Take your pre-approval and start looking for a new home with a realtor; and
4. Retain an awesome attorney to close your mortgage!

Curious about the current mortgage rates? Check out this website:
https://themortgagereports.com/47095/mortgage-rates-today-january-21-2019-plus-lock-recommendations

Wondering about how much a mortgage might cost? For a ball park range only, peek at this one:
www.mortgagecalculator.org

If you just want to listen to Kenny Rogers:
https://www.youtube.com/watch?v=UyARoGIzmKk

As always, please let us know if we can help with a real estate or any other legal matter.

Regards,
John & Faye
* If you are in need, we are happy to recommend a really good loan officer. 

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