, ,

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

/by
,

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

/by
, , ,

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 [email protected].

Regards,
John & Faye

/by
, ,

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. 

/by
, ,

Shutdown.

Working for the government is typically awesome. Most state and federal employees get incredible health and life insurance benefits.  They also have fairly “normal” hours, without necessity to check email on nights or weekends. These benefits are tossed on the back burner when there is a government shutdown.

Unfortunately, these shutdowns have become all too common, under both Democratic and Republican leadership. In late 1995-1996, the federal shutdown lasted over a month.  What happens to support obligations during these periods?

Child support and alimony obligations survive government shutdowns.  What should you do if a shutdown or layoff effects you?

The essentials:
Make sure that you have a rainy day fund. Regardless of whether you are self employed or working for someone else, there will certainly be an amount of time during your career where your income is less than usual or non-existent. Just like your rent or mortgage, you should plan for how you will pay your support obligations during that time; and

Communicate with your ex. We know, we know….you don’t want to talk with your ex, but it may save you unnecessary time in court.  If your ex is aware of the situation and you communicate your concerns to them, they may be more likely to work with you to figure out a reasonable solution rather than just bringing you in to court. In most cases, both parties can come up with a reasonable, short term agreement on their own. 

If those options don’t work:
If you are the payor, you could file a Complaint for Modification. If your loss of income continues for an extended period of time, it may worth it to file a Complaint for Modification based on a material (ie. significant) change of circumstance. Child support can always be changed, depending on custody and income; however, it typically takes a month or so to have matters heard so the change should be fairly long term; and

If you are the payee, you could file a Complaint for Contempt. If the loss of support continues for an extended period of time, it may be worth it to file a request that the court acknowledges that someone is in violation of an agreement (ie. Contempt). There is no minimum amount of late payments that must be accrued prior to filing, but judges usually look for a pattern or significant amount of late payments. Filing could lead to a finding that the person is in violation of the agreement, but the judge could also lower payments or defer to a payment plan on the arrears based on an inability to pay.

As always, please let us know if you have any questions about child support and alimony or any other legal matters.

Regards,
John & Faye

/by