086: Divorce Paralegal In Fullerton California Fullerton Divorce Service

Posted by Tim Blankenship on

In this episode, we’re talking to the folks in Fullerton, California who maybe thinking about going through a Divorce or maybe you’re amidst of Divorce and you need some help with your Divorce case in Fullerton.

Licensed and bonded Legal Document Preparation Firm. We specialize only in Divorce. So we help clients all throughout California.

So I wanted to let you know a little bit about our business and perhaps we would be the best choice for you to help you with your Divorce case.

We are that attorney alternative service. We’re here to help you with your Divorce. We are a full service Divorce Paralegal Firm.

Make sure to listen to the latest podcast.

Homeowners Insurance Issues During Divorce

Posted by Tim Blankenship on

Homeowners Insurance Issues During Divorce

Tim: Let’s talk about Homeowners Insurance.

Jon: Okay.

Tim: What do you have for us is there. And I was looking for some notes that I found online really just changing policies or Renter Insurance if you’re going to sell the family home, you’re going to be renting and you’re talking about maybe something combining Renters Insurance with your other insurance and you’ll get some discounts.

Jon: Right. So I’ll start by saying this, when we say Homeowners Insurance we’re only talking about people who own homes and people who might own condos or who might actually rent an apartment or home or any house.

So it kind of encompasses all that. The big difference is from an insurance standpoint you’ve been paying most likely for one home or one residence where you live.

Well and all like we said, as you split up you’re going to need to pay for two. So again there’s a cost issue here which brings up the idea of ‘it’s time to take a look.’

You might have been in a home before. And now you’re going to rent a location.

What that impacts insurance as well, is companies almost all companies gives discounts when you have your home, car with or your home and rental with them.

So again it’s another opportunity that if you’re going to go ahead and split things apart to take a look and take advantage really of any discounts that may be available.

Most companies give a little bit bigger discounts if it’s a home or a renter but that doesn’t mean that there isn’t opportunity for you that if you’re going to split apart and you’re now renting an apartment to look for what company gives you the best discounts and overall it’s a package.

Tim: Okay.

Jon: So that’s one thing that we certainly would want to encourage people to do.

Tim: To look at not only add over to get your Renters Insurance and maybe combining packages.

One thing I tell people is, when they get Divorce like were talking about separate households, separate incomes, you now have the same income the two parties were making, now handling two households it’s never going to be the same…

Jon: Right.

Tim: …scenario financially. It’s not going to be the same scenario to live in some cases.

Jon: And it’s unfortunate because that’s the time when the insurance piece which nobody likes to talk about is actually probably going up as well because you’re now ensuring more things and you have to ensure before.

So it just drives to the point of looking at it and making some good decisions and working with somebody who can walk you through that process.

Tim: And bringing up the things they don’t need and they don’t know to bring up. That’s one of the biggest things in my line of work is they don’t know the questions they should be asking.

Jon: Right.

Tim: Right? So they probably won’t even be thinking that maybe they thought ‘Hey, Tim told me that I should talk to John about my Auto Insurance.’

And then you’re going to bring up, ‘Okay, so where are you moving? Are you going be renting?’

Jon: Right.

Tim: Let’s talk about Renters Insurance.

Jon: Well and I think the other piece that goes in there too is as you separate your belongings, most policies have special coverages for special blinds like of the wedding ring for example or your mothers jewelries, all those things.

Well, you might be taking those out of the Homeowners policy and you’re moving you’re taking them with you when you do the Renter Policy. Well those things need special coverage too.

So there are maybe things you hadn’t thought about before and again driving home at the point of reviewing it.

And if you have anything that’s a value maybe you were able to take that out of the relationship, then you want to make sure you have the coverage for it as worth it as to take it out the relationship…

085: Divorce Paralegal In Brea California Brea Divorce Service

Posted by Tim Blankenship on

In this episode, we’re talking to the folks in Brea, California. I want to let you know a little bit about my company and how we can help you with your Divorce in Brea, California.

I’m a licensed and bonded Legal Document Preparation Firm. It’s the company that I own. We specialize only in Divorce.

So we are that attorney alternative. We are that affordable option to get you your Divorce completed in Brea.

Make sure to listen to the latest podcast.

Small Business Video Marketing Success

Posted by Tim Blankenship on

Small Business Video Marketing Success

Tim: So Connor MacIvor, Santa Clarita Real Estate expert. I’d be surprised if you’re not able to watch this. I’ve already watched one of your thousands of videos.

Connor: Oh yes! Most of my crappy videos I have two views, one is to me and one’s mom. So that’s pretty clear.

Tim: My kids joked at me because they say, ‘Dad you only got five views on that video.’ And I said, ‘Yes! But I have 500 videos times five and some get more five some get several hundreds or thousands but yes they’re not like viral videos.

It’s an information based that are out there for people who are researching for this information.

Connor: Right!

Tim: …to find it.

Connor: And we don’t have the cute kitten.

Tim: No!

Connor: That’s fur is particularly near the baby in the bath tub.

Tim: Yes.

Connor: That was a funny video.

Tim: So you have I mean you have, I kind of copied everything you’ve done just so you know.

You have podcast. You have video you do daily. You do slideshows. You do blog post too.

I mean you have so much content out there no matter what mode you like to digest it, it’s there, it’s available.

Connor: You know what this is good for and you embraced it. And I’m so impressed!

People want to see you. They don’t want to see an actor. They don’t want to see somebody that’s trying to post himself through another person as trying to be the best of the best.

They want to see transparency.

Tim: Yes.

Connor: This is an off the cuff interview basically between you and I. And this is what people want to see.

Tim: Exactly!

Connor: We’re not going win wars. We’re not going to go viral.

I’ve had some videos that have gotten a lot of views that I don’t know why. I can’t pull it apart and figure out why that one.

But maybe the key words were right, maybe the story was right, maybe the day was right, who knows? But this is how people learn.

And I know when I’m watching videos on YouTube especially if it’s this interview format, I’ll just let it playing go on—

Tim: With the background, yes?

Connor: Yes.

Tim: Yes.

Connor: Because it’s such educational.

Tim: That’s the whole point education. We get all videos and podcasts. We have this live broadcast on Thursdays –

Connor: Got your radio show?

Tim: Actually, well I had it open. People can actually go on and chat real now. This is only our fifth one.

So as soon as we start marketing this, I think this is going to catch on three or four months. People are going to start coming in and I hope asking questions.

And we won’t even have to have a topic. It’ll just be ‘Okay, what’s the question? Call me now.’

Connor: Absolutely!

Tim: And do it that way. So that’s really what I’m hoping for that route. So how can people get a hold of you?

I mean they should call you if they’re thinking of Divorce and needs some information?

Connor: Yes, we have everything primary displayed on our website Paris911.com.

Tim: I did that. Are you impressed?

Connor: [the Codec 38:22].

Tim: Yes.

Connor: Yes, it’s good. I love that player [the Codec 38:25].

But yes, just go there in any contact on that site you’re going to get me. So you’re going to talk to yours truly. Usually my voice is an S sexy…

Tim: Very raspy.

Connor: Yes, now. But it’s like a bedroom voice. Some mic I do pretty well. But anyway, yes, so that’s the best way to reach out and I’ll answer your questions.

One of the things that’s important, interview multiple agents. The thing is to whenever you’re looking to get information, don’t sign anything right away.

If they’re bringing you to their office to talk to you and they hand you a piece of paper they say, ‘Well, I need you to’ – ‘Come on, really?’

You just want information. So understand that going in, not all agents are crazy. You will know but not everybody is the same.

So interview those most you find to be the most comfortable because you’re about to go on a journey that could get really ugly.

It’s already probably ugly because now here you are getting Divorce. Find somebody that sympathetic to that.

Tim: Yes. And you have an AP?

Connor: Oh!

Tim: I love that AP. I have it on my phone. What do they need in iTunes? What do they search for to find your AP?

Connor: Yes, as far as searching for housings.

Tim: Yes.

Connor: There are couples. You can look for California Homes. That’s our AP in the AP store. It’s also in the Android market place.

You can also text the letters SCV to 87778. So if you have your cell phone right now or iPod just text the letters SCV for Santa Clarita Valley to 87778.

So that’s pretty easy. So yes on our website Paris911.com and get there you’ll see the Mac Box at the top part.

It’s like a search thing, you can also punch the word AP in there and you’ll get all the downloadable stuff.

Tim: Very cool.

Connor: Yes, you’ve done a fantastic job with Divorce661.

Tim: Can you tell I copied you?

Connor: Oh, don’t say that.

Tim: I copied you.

Connor: I didn’t think of that.

Tim: Yes, I did. I see your blogs and it works, let’s do that. The videos do videos and—

Connor: You’re just—I like the informational approach. And I think people like that. People don’t like to be sold.

You’re not asking for anything.

Tim: No!

Connor: You’re not saying 70 50 Bucks and I’ll do this. You’re showing people how to save. What was that thing you had coming out that came out this morning?

Saving $492—

Tim: For filing fees, yes.

Connor: Yes, that’s awesome!

Tim: Yes.

Connor: I mean really? Who’s doing that?

Tim: Yes.

Connor: Who’s even mentioning that?

Tim: Right.

Connor: It’s—

Tim: It’s funny in that sequence that was the most opened email.

Connor: Yes.

Tim: So people have money on their minds when—

Connor: Absolutely!

Tim: …when going through this. But going back to what he said about just being real people and not actors and giving out information, people watch this and they see who we are. And they’re going to make their decision.

Do I like that person or not? So it helps people make that decision so they’re not going call if they watched us and getting in to something that we don’t like that guy and –

Connor: Yes, he’s got no hair.

Tim: Well good then that saves me time. People that call us they usually say, ‘Tim, I saw you. I watched several of your videos.’ They already know you.

Connor: Yes.

Tim: When they come in to for services we go out there and they’re already getting up the couch, I don’t know who they are. But they already know me.

Just so the video, my voice and all that now in town people are starting ‘Oh, I saw you on Facebook.’

Connor: Buy you drinks and offer—

Tim: Yes. Well, I appreciate you coming out here Connor. This was great.

Connor: You’re welcome.

Tim: Yes.

Connor: Absolutely.

Tim: I really like this whole interview set-up we got here.

Connor: Yes, it’s really nice and you’re doing a great job.

Tim: Cool! Alright, let me see if I can figure out how to shut this down. I tell you this is a three man operation and I’m doing it all by myself.

Every Thursday, live broadcast at 1pm. We have a chat room if you go to Live Cast tab on the Divorce661.com website and it’ll take you right through the most recent broadcast coming up.

And the chat room is just below the video. And we’ll know if you’re online and watching otherwise you can ask question.

We are monitoring it. So hopefully this will catch on.

Connor, Paris911.com thanks so much for coming. I appreciate it.

Connor: Pleasure.

Tim: And well hopefully to have you back on again soon.

 

 

084: Divorce In A Day In California

Posted by Tim Blankenship on

In this episode, we will talk about divorce in a day in California. We are talking a little bit more about our divorce in a day program.

Ever since the courts in California started announcing this plan of trying to do divorce in a day which in my previous video I’ve said it’s pretty much a misnomer you can’t really get divorced in a day.

We have been getting some calls on it and people asking how this can be achieved.

Make sure to listen to the latest podcast to know more about divorce in a day in California.

Divorce A Good Time To Revisit Auto Insurance

Posted by Tim Blankenship on

Divorce A Good Time To Revisit Auto Insurance

Tim: The liability extends for instance if they have low policy coverage of maybe $15,000 and then the injuries perhaps exceed…

Jon: Right.

Tim: …that they could go after. They reach out some other liability there?

Jon: Right, so, you bring up a good point which is the coverages. And when you go through a Divorce, most likely, you haven’t looked at your coverage for a few years.

And the coverage really should match the assets you have.

So if you know you have a million dollars with your assets, you should probably have the million dollars with the liability to protect that.

So as you separate and then your assets makes many change in a certain area. So there were many changes.

So it’s a good time to revisit. But to answer your question, about having lower limits like that you’re absolutely right.

So what happens is in my scenario where I have the accident, if I have little limits just because if someone sues me for a $100,000 and I’m carrying a State minimum like about $15000. I’m not personally liable for that extra $85,000.

If my wife is still registered on my car now, she just became liable for that, my ex-wife she just because liable for that as well.

Tim: Right.

Jon: So really it’s a good time especially if somebody else has been no one taking care of your insurance or you haven’t looked at your insurance in awhile, it’s really a good time to revisit those coverages and make sure you have the liability that you need.

Another piece of that is the uninsured mother’s support. So if for example, if you hit me and you don’t have enough insurance or you don’t have any insurance, my policy if I have the proper protection will still protect me as if you would have that insurance.

So that’s important too. So if you’re going to the review, that’s really good to go with it with a broker or agent and goes through all your policy coverages.

Make sure you understand what they need. And pick the levels that are right for you.

Tim: So if you had a million dollar that worth combined within you and your spouse and you’re going to have the assets, let’s say now $500,000 you’re not going to want that lower potentially?

Jon: You could. It’s one thing to consider especially in your time of saving cost and they will tell you that the cost different is very minimal.

In those kinds of situations and the other thing is it’s not all your assets, it’s what your future income is.

So you may not have a lot of assets but you’re making a hundred grand a year, then in California they can come after a portion of that.

They can garnish your wages. So one way or another it’s still a good idea to just kind of assess how much you have, how much you might be making and then swap the proper coverages.

And let’s say going through Divorce is a perfect time to think about those kinds of situations.

 

 

Life Insurance – What’s The Best Age To Lock In Long Term Life Insurance?

Posted by Tim Blankenship on

Life Insurance – What’s The Best Age To Lock In Long Term Life Insurance?

Tim: Now that makes me think something not really related to Divorce per se you’ve had mentioned you’re getting out the workforce in maybe in time.

What about folks kind of later in life 50, 60’s or 70’s retirement age retired? And I’m talking about my folks, specifically.

Jon: Okay.

Tim: My dad work for Union. He had some pensions with Union. Thank God! But he died of cancer.

My mom never worked. And is that a scenario where life insurance would have been beneficial or at that age is it more difficult to get that those types of insurance policies?

Or they cost prohibitive because it caught up my mom in a bad position because she has Social Security and a small pension.

Thankfully, there was at least that small pension that passed on to her. But —

Jon: Had there been insurance?

Tim: But had there been insurance policy to boot?

Jon: Right.

Tim: You know that’s something would get older to help protect their spouses. Is that–

Jon: At that point, it’s great if you can do it. And that’s what people at that age intended by life insurance for it for a State planning issues and all the cost associated with the State taxes.

And that’s other conversation for different expert here.

Tim: Sure.

Jon: So that’s what where we tend to see it. It is difficult for somebody as you start to get passed 55 or 60 it does starts to get fairly expensive because you can’t pay just $30 or $40 a month for a policy.

And they expect a million dollar path because when you’re that old, you’re getting closer to or like where the life companies expect you to not make anymore.

So it’s great if you can do it like maybe around 45 or so. And do something like maybe a 30 year policy.

Tim: Okay.

Jon: Then that way that will take you out into retirement. Then you can make the choice.

So let’s say now you’re 60 or 65 and when you look at your retirement fund and you look at your pension and you say, ‘If I did go is there enough?’

Because then you could stop. You don’t have to continue paying the life policy. But it gives you that choice.

And having that choice when you hit retirement is important because once you hit retirement you don’t really have a choice anymore.

So that’s how we tell people to get it and then we can re-evaluate. If you don’t need it anymore we either reduce it or pull it off.

It depends on the situation.

Tim: That’s good. Now kind of around 45 and try to lock in—

Jon: We should talk the terms.

Tim: Yes, I know we haven’t talked yet. I’ll just tell him I need a little weight to get the premium down a little bit.

Jon: There you go!

Tim: That’s my goal. And I can gain all the way back. That’s the plan. No!

Jon: I didn’t hear that.

California Divorce | Importance Of Changing Beneficiaries After Divorce

Posted by Tim Blankenship on

California Divorce | Importance Of Changing Beneficiaries After Divorce

Tim: Good. The beneficiaries and then we talked about a little bit on health or life specifically.

I don’t know if we touched on the importance of changing beneficiaries after the Divorce has finalized because we’ve all heard the whole stories not only with health life insurance but with…

Jon: Financial services and 401K’s and all those.

Tim: Yes, and investments where they are not changed. And is it going to your spouse?

And I’m sure that if you’re Divorce that wasn’t the intention. Because the important thing to know is, when it comes to you and let me know if this is correct or not.

When it comes to your Divorce judgment your Divorce Decree if you will, if you said, you’re keeping your life insurance policy or these investments, and you die and you haven’t changed your beneficiaries, that beneficiaries will over-way the ruling of the court.

Jon: That’s correct. So once the Divorce is final, that is the time when you are allowed to make the changes and it does makes sense to make the changes.

And then part of that though, one of the natural things to do is to go ahead and make changes on, when I’m going to make my kids as the beneficiary.

The problem with that is you have to be careful is no one is going to give a $100,000 policy to a six year old.

So you only have to worry about that. But the question is who handles that money during that time between until they become age 18?

And even once they become age 18, do you really want your child inheriting the $100,000 not inhering but getting a $100,000.

So this is where even when you separate, it’s the time to look at things like a state planning and things of that nature, so, that you can make sure that the policy benefits really are doled out way you want them to be doled out.

So it’s really a good time to kind of look at all your financial picture. Not just the insurance but the state planning. Look at things like 401K’s, look at things like your own retirement.

Tim: Yes.

Jon: What you’re going to do now? You can’t rely perhaps on your ex-husband’s pension.

Tim: Right.

Jon: What you’re going to do?

Tim: So it’s a really good time to take a step back and kind of put all your financial pieces in order.

083: Cost To Maintain Pre Divorce Lifestyle After Divorce Higher

Posted by Tim Blankenship on

In this episode, we’re going to talk about some of the financial concerns or some things you should be considering or looking forward at a Post Divorce or if you’re going to go through a Divorce things that are probably going to come up relatively soon.

When we file Divorce cases for folks, one of the main concerns of course is financial. The distribution of property and assets and debts is a huge portion of your Divorce.

Make sure to listen to the latest podcast to know more how to maintain pre divorce lifestyle.

How To Determine Life Insurance Needs After Divorce

Posted by Tim Blankenship on

How To Determine Life Insurance Needs After Divorce

Tim: So we had a big picture everything that should be looked at when going through Divorce.

We talked about term insurance for covering the spousal support. We talked term insurance for covering potentially the childrens college education or maybe paying off their student loan debt or–

Jon: Exactly.

Tim: What are other things would you throw in there?

If I were talking about insurance today and I was going through a Divorce. And I’ve been married for 19 years.

And two kids are still minors, what things would you say, ‘Tim, if you want to make sure that they’re taken care of aside from the college and the spousal support, what are the things would you throw in there?

Paying off the house maybe or –

Jon: Right, and really it will depend on the situation your spouse is in. But yes, anything like that when there’s a foreseeable expense in the future might be a really good thing to add into the life insurance.

There’s also retirement, if you think about it this way, now the expectation is you’re going to keep working.

And you’re going to keep building the retirement fund. So even though we might replace your income or your child support, that retirement fund doesn’t keep building anymore.

So one of the other things that you can do with life insurance is let’s say, ‘Gee, if something happened and I can’t build that retirement fund, you use the life insurance to build that retirement fund.’

So that’s it. That’s a bigger piece. I mean it can add up to a bigger number but it’s an important factor because I don’t think people think they think well, ‘Gee, I just want to puff my house.’

Well, that’s great when you puff your house, then what? How are you still going to meet your monthly expenses?

And how are you ultimately going to be able to take yourself on the work force?

Tim: Right.

Jon: So I think looking at more than just even the current expenses, it’s looking for the future. What other cost you may have or what other investments you want to make?

And to making sure that the life insurance is there to take the place if your income can’t.