Author: John T. Kelley

When you first got married, you probably never dreamed that the union would end in divorce. Unfortunately, many people find themselves in this situation after several years of marriage. Navigating a divorce is difficult, but if you do these three things to prepare for the process, it will go more smoothly for everyone involved.

Look for a Lawyer

Divorce lawyers in Pasco County Florida can be expensive, but it is always the best practice to find an attorney to represent you in court. A divorce lawyer can help you navigate the legal system and make sure said you get a good agreement in the final papers. An attorney also acts as a mediator if you and your soon-to-be former spouse cannot be civil during the proceedings.

Agree On a Custody Schedule

The divorce process is much more difficult when there are kids involved. If you and your ex share children, you need to come up with a custody agreement. Is best to get the details worked out as quickly as possible so that your kids can adapt to their new schedules. Be as flexible as possible when you are starting you are co-parenting journey so that it is more likely that you will get the same respect in return.

Find Someone To Talk To

Whether your divorce is amicable or not, you’re probably experiencing some complicated emotions about it. Find someone to talk to about your feelings. A licensed therapist is best, but if you cannot afford that expense, a trusted friend or family member is often sufficient.

divorce is hard, but it is not the end of the world. If you do these three things to prepare for the divorce process, you can help it go more smoothly so that everyone involved can move on with their lives as quickly as possible.

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Whether you are applying for a green card, defending yourself against removal, or any other immigration issues, you need an immigration attorney on your side. The lawyer represents you in a court hearing, helps you file documentation, and ensures you do not make mistakes that can jeopardize your case. But before you hire an attorney, you need to schedule a consultation with them for any questions you may have. After that, you can decide whether you will retain a lawyer. So, how do you prepare for your consultation? Here are some tips to guide you.

Prepare A List of Questions You Would Like To Ask

Obviously, there are certain concerns you have regarding the case and the potential attorneys. So, note down any questions you may want to ask. For instance, ask whether they have handled cases like yours before. Asking about the attorneys’ track record is a simple request that the lawyer should have no issues answering. You should also ask what your chances of success are. It is good to be realistic. Not all immigration cases are successful. Some take several trials before getting a positive outcome. A knowledgeable immigration attorney knows how certain cases turn out and will know what strategies to use on your case. Lastly, ask about time. Good immigration lawyers tend to have a lot on their plates. Too many cases can prevent an attorney from giving your case the attention it deserves. It is good to know whether the lawyer will have adequate time for your case.

Carry Your Immigration Documents To The consultation

When going for the first consultation, bring all your relevant documents with you. For instance, carry copies of documents that have been filed by the USCIS or ICE. Include immigration receipts, notices, and decisions and bringing copies of passports, green cards, birth certificates, marriage certificates, and employment authorization cards. If you have an immigration court hearing in the next few weeks and you have got a notification in writing, bring a copy of it as well. That way, the attorney can also confirm the date and be present for the hearing.

Arrive On Time

When the attorney schedules you for a particular time, be there on time. That allows you to make the most of the time you have. If you are late, there is a possibility that you will not manage to get all the answers to your questions. That means having to schedule another meeting, and if your case is urgent, you might not get the help you need on time. Arrive at least 15 minutes earlier to find time to park the car, find the office, and fill in the consultation form.

Be Prepared For Anything

It is good to find immigration attorneys that will strive to help you in the best way possible. However, it is not all the time you will hear what you want. At times, the attorney will give you different information than what you expected. It is the duty of the lawyer to let you know whether you have the chance of winning the case or not. So, manage your expectations from the start to make things easier.

Be Honest

Your attorney works with the information you provide. If you hold back, you are limiting the chances of winning the case. Plus, the government already has your full history and can use this against you. Do not put yourself at a disadvantage by not being honest. Also, note that the attorney cannot give you proper legal counsel without all the information.

The purpose of a consultation is to get to know an attorney and how they can help. Make the most out of it by preparing adequately using the tips mentioned above.


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Although it is a tough spot for anyone to be in, there are a few things individuals can do to help make sense of the legal system following an arrest. Whether facing a criminal trial or plea agreement with prosecutors, the following tips are likely to come in handy regardless of the nature of the charges or jurisdiction in which they have been filed.

Learn About the Legal Ramifications

Each criminal prosecution is unique and every defendant will handle the situation differently. For that reason, it is important for someone facing criminal charges to familiarize himself or herself with the intricacies of the circumstance as early on in the process as possible. For example, determining whether unconditional bail bonds are applicable will help a defendant determine what will happen prior to the trial. With a release on bond, a person will be able to wait at home until the proceedings start, provided all conditions handed down by the judge are met.

Surround Yourself With Experts

After the initial shock of the situation has subsided a bit, it will be time to begin digging deep into the problem at hand. Of course, this will involve open and honest conversations with a team of legal advisers. It is worth noting that there are many types of criminal defense attorneys, each of which focuses on a somewhat different area of the law. Begin searching for highly recommended law firms in the area and reach out to determine which is the best fit. Although such professionals are notoriously expensive, U.S. law stipulates that those who are unable to afford an attorney will have a public defender provided to represent them at no personal cost.

Work Out a Satisfactory Game Plan

Upon sitting down with the team of lawyers, the conversation will soon turn to how to mount a credible defense. Even if the trial ends with a conviction, there are methods of reducing the severity of the charges or even avoiding jail time in some cases. Remember to always share the truth about what has happened so that the counselors will be able to formulate the best available path forward.

In most cases, the prospect of criminal prosecution is enough to completely uproot a person’s life. Nevertheless, some time-tested strategies like those listed above can often help reduce the amount of stress this situation presents to a defendant and his or her loved ones.

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Flood insurance is often considered unnecessary for many people as they do not live in areas with a high risk of flooding. Before just writing it off, though, there are a few things to know.

It Can Flood Anywhere

You don’t have to live in a high-risk zone to experience flooding because it’s a disaster that can occur anywhere. The misconception that “it never floods” in a particular area leaves many homeowners at a loss when it does occur. Without coverage, they are stuck trying to fix the damage and rebuild on their own.

Sometimes, Flood Insurance Is Required

Some people that live in high-risk zones are required to carry flood insurance. This is typically true if they have a mortgage on the home – private or government-backed. It’s always important to check local laws and any lending requirements to determine if flood insurance is necessary.

A Little Water Goes a Long Way

When you hear or read the word “flooding,” you’re probably thinking of a huge event. While these certainly occur, it doesn’t require a flood of great magnitude to destroy a home. In fact, even an inch of water can cause more than $20,000 worth of damage to a home.

Home Insurance Doesn’t Cover It

A typical homeowner’s insurance policy does not cover flooding. Most of them list flooding as an exclusion, so never assume you’re covered just because you have home insurance. Additionally, you’re not likely to get any government assistance for flood damage unless the President declares a natural disaster.

Do you really need insurance? Outside of being required to carry it, there’s no straight answer to whether or not you need it. It’s up to you. However, as you never know when disaster will strike, it’s better to have and not need it than to need it and not have it.

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A cabanas law firm is a company that provides legal advice to its clients. The company provides legal services to its clients by supplying them with legal information and advice on the law. The lawyer helps the client with filing and other formalities in order for the client to be able to file their case or request for a certain type of service or help from the court. The lawyer, who is also called an attorney, does not only provide his/her services in this way but also works as an advisor and a consultant for other lawyers who wish to advise their clients on how they should approach certain issues or problems that they may have. A cabana law firm is a legal consultancy that offers legal advice and legal services to its clients.

The cabanas law firm has been around for a long time. It was first created in the early 20th century by lawyers who had discovered that the lack of knowledge about the law was preventing them from being successful in their careers. They saw the opportunity to help their clients and develop their careers by providing them with legal advice and services at an affordable price. Today, cabanas law firms are still very much around and provide a wide range of different types of legal services. From advising on business transactions to helping people with family law matters, they can help you solve any problem you might have or offer you advice on how to deal with it yourself. They also offer many other types of professional

Why choose a Cabana Law Firm?

A cabana law firm is a law firm that offers legal services to its clients via online platforms. It provides legal advice, which is usually in the form of legal consultation. A cabanas law firm is a legal consulting company that offers advice and legal services to clients. It is a type of law firm that provides legal consultation and legal advice to clients. A cabanas law firm are not just an idea. They are real companies that have been operating in the US for over 30 years now. They have offices in all major cities and states, with offices in cities like New York, Chicago, Boston, Washington DC, and Las Vegas. There are also cabana law firms based in Canada and the UK.

Cabanas law firms provide legal services to individuals or businesses who want to avoid paying high lawyer fees for their cases through negotiation or by using alternative methods like mediation or arbitration (the court system).Cabanas lawyers are also known as corporate lawyers. They help clients in the legal field through legal consultation and legal advice. The cabana lawyer (or corporate lawyer) is an independent contractor who provides legal services to a client on a fee-for-service basis, but does not receive payment until the client pays for all services rendered. The fee is generally negotiated by the client and paid to the cabana lawyer, who then passes it on to his or her employer, which may be either the company that employs him or her or another company that contracted with them for legal services.

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You Should Make Sure to Budget for Legal Expenses Appropriately

There are many things that you have to take care of when you run a small business or a startup. One of those things is your business’s legal matters. Legal assistance is crucial and every company needs it at some point, but it is important to budget for legal expenses appropriately. Legal expenses can be significant when you are just starting out with your business. Because of this, you should budget wisely so that you have enough money dedicated to your legal expenses.

It is also a good idea to speak with your attorney, like those at Tully Rinckey, right away. They should be able to give you some kind of estimate regarding your likely legal expenses. This estimate should make it even easier for you to plan out your budget appropriately and ensure that you don’t have to spend money intended for other purposes on legal expenses.

You Should Give Yourself Plenty of Time to Handle Legal Matters

Naturally, you want to get going with your startup as soon as possible. However, it often takes some time to get your legal matters straightened out so that you can begin your business operations. It is best to plan ahead and take that into consideration. You should check to ensure that you know what sort of licenses you require in order to begin operating your business. You should also know how long it will take to get these licenses, as well. As a result, giving yourself a generous amount of time to take care of all these legal obligations tends to work well in the long run.

You Should Get Specialized Legal Assistance When Necessary

You should seek out attorneys with specialized legal knowledge and experience when it is necessary to do so.  You might want to go with a general practice attorney, but they might not have the specialized legal expertise that you need in a particular situation. That is why it is worth it to seek a lawyer with specialized legal expertise when necessary, even if this might prove to be a little more expensive than a general practice lawyer.

For example, if you require legal assistance in a real estate matter, it is best to seek out a real estate lawyer since you know they will have the expertise you require. A general practice lawyer may be able to assist you in that situation, but the potential extra cost is worth getting the specialized legal assistance you need. You can also check the state bar websites to find out more about legal specialization in your state.

You Should Ensure You’re Following All The Legal Requirements for Your Business

This may seem like an obvious point, but it is vital for your business that you always ensure that you are operating within the bounds of the law. There are many reasons for this. Of course, you could have to pay fines and use some of your resources to resolve the legal problems. However, you can potentially harm your business even more if you break the law and therefore jeopardize your reputation among your customers. It can certainly be a challenge to keep up with your competitors when you are running a startup, but it is always worth it to operate legally at all times. You should consult legal advisors, such as Tully Rinckey professionals from the beginning, to ensure you are following the law.

You Should Do What You Can While Waiting for Legal Permissions

You might only have to wait for legal permission for one part of your startup business. However, you should make sure to spend your time wisely doing what you can under the law while you wait for this permission. You should continue working on the parts of your startup where you don’t require legal assistance. For example, you might be able to start operating in some states that don’t require licenses for your business while you work on getting licenses to operate in states that do require such licenses. It is crucial to make sure you are ready to move forward once you do get such licenses or legal permission, however. This is just one piece of legal advice that you might find helpful for your startup.

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It is stressful to see a police vehicle with flashing lights in your rearview mirror. You will likely begin to immediately worry about how expensive the ticket will be, but you may not initially consider the long-term financial impact a ticket can have on your insurance premiums. A speeding ticket can affect insurance by resulting in hefty rate increases. However, these rates vary depending on each insurance company’s guidelines.

Why Does an Insurance Premium Increase After a Speeding Ticket? 

Auto insurance companies will base the premiums they charge on the degree of risk they take in issuing a policy. Your risk will be determined by your driving history as assessed in the past few years. 

Speeding is one of the most common traffic offenses. Because excessive speed can increase the severity of injuries and property damage and the likelihood of a fatality in a motor vehicle accident, it increases the chances of an insurance company having to pay a claim on your policy. 

Any time you are purchasing a new policy, the insurance company will check your driving history to determine how much your premium will be. It will keep monitoring your driving record and adjust your insurance rates based on their calculation of risk the insurer might incur. 

You will be subjected to a higher premium to compensate for the increased risk the insurance company accepts in continuing to insure you after you have been ticketed or arrested for speeding. If your auto insurance company determines that the risk of insuring you is too great—typically after multiple driving infractions—they may cancel your policy.

How Much Do Speeding Tickets Affect Insurance Rates? 

Some insurers will forgive a first-time speeding ticket as long as you were not traveling too far above the posted speed limit, but most insurance companies will impose a rate increase between 20 and 30 percent. The amount your insurance will increase will depend on your age, where you live, how far above the speed limit you were driving, and how many previous tickets you have on your record. In addition, if you are benefiting from a safe driving discount from your insurer, a speeding ticket will cancel the discount, increasing your rates even more.

Insurers will use your current driving history to determine your insurance rates. Some traffic violations will fall off your driving record after approximately three years; therefore, you can expect your speeding ticket to impact your finances for a minimum of the next three years, on average. Drivers with multiple traffic violations and speeding tickets in their current driving history are considered ‘high risk’ and more likely to file claims than those with clean driving records. Thus, these drivers can expect an even longer duration of increased rates.

How Can I Keep My Insurance Premiums Low After a Speeding Ticket?

If you have already received a speeding ticket, there are many things you can do to avoid the high cost of your auto insurance.

  • Focus on safe driving. The bottom line is to drive carefully. The better your driving record is, the lower the premiums you will be paying. Avoiding a second or third speeding ticket will keep your premiums affordable. Watch your speed, especially in areas that are heavily patrolled. 
  • Contest the speeding ticket. Contesting a police report is usually a long process, but if you win in your case, your insurance will not increase. Although you can represent yourself in court, you have a higher chance of beating your ticket if you work with a skilled traffic ticket lawyer.
  • Delay. Most speeding tickets come with a court date that is usually some months away. If you ask for a continuance, you can push that date up to a year later. The added time may work in your favor in the event that the officer who issued the ticket retires, resigns, is laid off, or is transferred, and you can then ask for a dismissal.
  • Consider changing your coverage. If your premiums have already increased, you may consider changing your coverage to reduce the cost, although it depends on your auto insurance needs. You should consult your insurance agent to help you with available options and help you make the right choice. Alternatively, you may find more competitive rates with another auto insurer.
  • Take a defensive driving course. If the option to take a safe driving course is available in your state, taking this class can result in your speeding ticket being dismissed and erased from your driving record. This course is an option just one time in most states, but it can significantly help. This class can be taken online in most cases. 

Speeding tickets have affected many drivers with their associated increased cost of auto insurance. Insurers rely on driver’s records when determining the premiums each driver will be paying annually. They may consider drivers with speeding tickets high risk, raising their premiums even when the driver has not made a claim. The surest way to enjoy low premiums is to drive carefully and responsibly. In addition, it is vital to work with a traffic ticket lawyer to contest your speeding ticket and help you avoid long-term high insurance rates.

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When it comes to estate planning, wills and trusts are household names. Both of these instruments are excellent tools for ensuring your assets are protected and that your wishes are carried out. In the battle of will vs trust, there isn’t necessarily a ‘winner’ since either one could be more suitable, depending on the circumstances. There are many similarities and differences between them, and each has its pros and cons. Here’s how to determine which one is best for you and your loved ones. 

Will vs Trust: What’s the Difference?

By understanding the key differences between these documents, you’ll be better able to determine the best option to protect your assets and safeguard your legacy. 

A will (formally known as a last will and testament) is a legal document that specifies your testamentary wishes. These wishes can be in relation to things like burial preferences and suitable guardians for children. Of course, a will also specifies your wishes as it relates to assets like real property, stocks, and vehicles. With a will, you can bequeath property, cash, and other valuables to relatives, friends, and even charitable organizations. If you’re indebted, you can also make provisions for creditors in a will. 

On the other hand, a trust is a special legal relationship between you and an appointed person (known as a trustee), whereby they have the right to hold assets for the benefit of a third party. A trust can be used to specify how you want your assets to be handled after your death, as well as during the course of your life. While your will only takes effect upon your death, a trust is effective immediately after it’s executed. 

Will vs Trust: Pros and Cons


A will allows you to appoint an executor to be in charge of your estate. This person has the responsibility of ensuring that your wishes are carried out. When you write a will, you’re able to choose someone you trust so you can feel confident in your estate plan. Without a will, the court will appoint an administrator to handle your estate. This is likely to be a person you may not have chosen or even someone that you do not trust or know well. 

Wills allow you to specify your funeral preferences. Many people use wills to let loved ones know that they would like to be cremated or that they would like to be buried at a specific place. One advantage of a will is the ability to appoint guardians for your children in the event of your passing. Another major advantage of a will is its flexibility. At any time, you can choose to amend or revoke your will. If your circumstances have changed or if you’ve acquired new assets, it’s easy to update your estate plan. 

Despite these benefits, there are a few drawbacks to consider. There is a possibility that your loved ones may face challenges due to a lengthy probate process in court. There are many instances of people (such as other relatives, associates, or people claiming to be creditors) coming out of the woodwork to challenge a will. Another factor to note is that your will becomes public record once it is filed in court. Finally, a will may not adequately deal with taxes, leading to heavy sums being deducted from your estate and the pockets of your beneficiaries. 


The major advantage of a trust is its ability to address some of these drawbacks. The greatest benefit of a trust is that it allows your loved ones to bypass the probate process. As mentioned earlier, probate can be time-consuming and even contentious. The process can also be costly due to attorney’s fees, executor fees, and taxes. By avoiding probate court, you are also maintaining the privacy of your estate. There is also far less of a chance of a trust being challenged in court. 

Trusts allow a great deal of flexibility as it relates to the distribution of your assets. Because your assets do not need to be distributed immediately after death, a trust allows you to apply conditions to the administration of your estate. For example, you can delay the distribution of assets to a child until after they attain a certain age or upon achieving a milestone, such as graduating college. In this way, you can prevent children from squandering their inheritance or making bad financial decisions. 

A crucial advantage that a trust has over a will is that it enables you to make provisions in the event of incapacitation, and not just in death. In this way, you can avoid the possibility of being indefinitely trapped in a conservatorship. This is when the court appoints a representative to manage your affairs if you become physically or mentally incapacitated. A trust allows you to safeguard your future independence and dignity. 

Due to its more technical nature, it’s often more costly to execute a trust than a will. However, the added cost is a small price to pay for the level of control and peace of mind that a trust affords. 

Will vs Trust: Choosing What’s Right for You

Estate planning is never one-size-fits-all. Your unique estate plan will depend on your lifestyle, your relationships, and of course, your assets. The best estate plans are often a strategic combination of a will and trusts. By meeting with an estate planning attorney, you can create the most ideal plan for yourself, your loved ones, and your legacy.

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Debts accumulate for any number of reasons. You may have had a medical emergency that required expensive care, or maybe someone in your household faced a prolonged period out of work. Maybe you just didn’t how to manage money until it was too late. No matter the reason, you now face debts that have spiraled out of control. If you are weighing your options, here are three signs that bankruptcy could be a good choice for you.

  1. You Are Behind on Multiple Bills

When you are behind on more than one or two bills, things can spiral out of control quickly. You may move money between credit cards to try and keep creditors at bay, accumulating hefty transaction fees in the process. Any late payments are also likely adding fees to your balance, which will just make it harder to pay off in the end.

  1. Your Home Is at Risk

If you are facing foreclosure because you are putting housing funds toward other bills, it is time to talk to a bankruptcy attorney Hattiesburg MS about your options. In many common forms of bankruptcy, you can keep your house and other secured debts as long as you keep them current. So, once the other debts are eliminated, you can refocus on making your housing payment and establishing better financial habits. That is harder to do if you lose any equity you have to a foreclosure.

  1. You Have No Realistic Way To Pay Off Your Debt

Let’s face it — there comes a point when you realize that, no matter how hard you work, you will not be able to repay the debts you have accumulated. Bankruptcy was originally designed to give people in this situation a chance at a clean slate. Now might be a good time to claim yours.

Bankruptcy is often considered a last resort, but it is a viable option for many people overwhelmed by debt. If you are behind on multiple bills, facing foreclosure on your home or unable to see a way out of debt, it might be right for you.

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Whether you have kids or not, dealing with a divorce is difficult. There will be many emotions involved during the divorce process, and you will need to sort through them all before you can adjust to your new normal. You can use these three tips to make the adjustment to single life easier.

Find a Good Lawyer

You should hire a good lawyer before you even start the divorce process. A family attorney Jacksonville NC will help you navigate the legal system and fight to make sure you get a fair deal in the divorce. Sometimes, your lawyer can also be a mediator between you and your former spouse when tensions get high.

Know What You Want

Dividing assets is often the most difficult part of the divorce process. You can’t expect to receive every asset, but you shouldn’t have to give everything to your ex either. You have to be willing to compromise to make sure you both get a fair deal. For example, if you own a house and a car together, it is fair for you to receive one asset and give the other to your ex. This can be difficult when you both want the same asset, but if you are willing to compromise, the process will be easier.

Give Yourself Time To Grieve

There are often many emotions that come with getting divorced. Some people may be relieved, while many struggle with grief once the process is complete. If you find yourself in the latter category, remember that it is okay for you to take time to grieve the loss of your marriage. It may take a significant amount of time until you are ready to move on. Give yourself the grace you need to get through the grieving process.

Divorce isn’t easy, but there are a few steps you can take to make the process easier. Use these three tips to help you navigate life during and after divorce.

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