Should You Change Insurance Companies After Divorce

Posted by Tim Blankenship on

Should You Change Insurance Companies After Divorce

Tim: It’s a good time for a new quote anyways.

Jon: Right!

Tim: Now were you saying earlier that we should move change companies? How do you describe it?

Jon: Which you might consider.

It depends on how well you know your Insurance Agent or Broker or the Insurance Company that you are with because a lot of times what will happen is, since your house hold together that when it gets split apart, not everything within the insurance companies is always going to be picked up correctly.

So as a result, you still may have some of your personal stuff going to your ex-spouse. I had dealt with this with Divorce couples where they are very adamant.

I don’t want anything about me going to him…

Tim: Right.

Jon: … or anything about me going to her. And so one thing to consider is that if you’re going to that process is maybe taking it to a different carrier or maybe just to a different Broker if you want to stay with the same carrier just to eliminate the chances of that information being found.

One thing that you’re going to run into is when you split up the house like that or split up the cars, you may find your rates changing a little; examination bit.

And the reason is most companies give discounts when you have multiple cars with them while when you split it out and become two separate accounts then what happens is that discount falls off.

So it’s another reason to look for quotes at that time or look for the coverage just because all these things are happening at once.

It’s just a perfect time to take a look.

Tim: So the company has made about staying with the same changing carriers but staying with the same Broker?

They can do that through one of these companies like I had before. But with you, they can keep you as the Broker changed carriers?

Did I understand that correctly?

Jon: Yes, I don’t want to mislead anybody.

Tim: Yes.

Jon: You, if you’re with a company and I don’t want to mention names a state farm farmers, you all state, that the big companies out there.

All those companies allow you to change your agent if you want to change your agent that helps split apart your household.

Tim: Okay.

Jon: As a Broker, you can do the same thing. What a Broker will allow you to do those maybe see about changing that company all together…

Tim; Got you.

Jon: …if there’s a better deal for you. Some companies are better if you have kids on the policy.

When of you’re single without the kids on the policy, there maybe a better option for you as a single individual than there was with a family as kids.

So those are the sort of things that the Broker can bring to the table.

Tim: Got you! Well, that’s very good.

Santa Monica Divorce Process – Santa Monica Divorce Service

Posted by Tim Blankenship on

Santa Monica Divorce Process – Santa Monica Divorce Service

Today we’re talking about how to file Divorce papers, how to start your Divorce in Santa Monica.

We get a lot of calls from individual Court House locations because there’s a Court House in Santa Monica.

We filled a lot of calls, basically saying, ‘Tim, how do we start the Divorce process? I saw you online. We’re interested in using your service but how does Divorce works?’

So we’re trying to answer those questions for the people going through Divorce or considering filing for Divorce in Santa Monica.

So if we look at the bare, the grass roots of things how to file for Divorce, it’s a matter of filling out a couple of forms and getting a case number issued from the court.

Specifically, we’re talking about filling out a petition, a summons. And in LA County you have what’s called a Jurisdictional Form.

And if you have children, there’s another form that you fill out for children. They want to know, where the children lives.

So it’s actually quite simple to start a Divorce case to file for Divorce. There’s very little information you need.

I’m talking about your name, your spouse’s name, where you guys live, date of marriage, date of separation, the names and the date of births of your kids and a basic idea what you want for custody and visitation and spousal support.

And really that’s it. You barely need very little information to start a Divorce in Santa Monica.

And it’ll only take one person to start. You don’t have to have both people to agree or sign.

It’s a one person fills out the initial paperwork, you become the petitioner. You file the paperwork and that’s how you start a Divorce case in Santa Monica with those forms.

So I just want to let you know that’s the beginning phases of starting a Divorce of course there’s a lot that goes into filing for Divorce and completing the Divorce in Santa Monica, but that’s how you get for the case started.

If you have more questions or you want to talk more about using our affordable, flat fee services, our Paralegal Firm serving Santa Monica, give us a call.

The number is on your screen, 661-281-0266, I’d be happy to give you free consultation.

Let you know what we can do for you. And help you with your Divorce in Santa Monica.

 

Santa Clarita Insurance Service Jon Gardner JSG Insurance

Posted by Tim Blankenship on

Santa Clarita Insurance Service Jon Gardner JSG Insurance

Tim: Hi, this is Tim Blankenship with Divorce661.com. Today, we’re talking with Jon Gardner with JSG Insurance.

Today, we’re talking about Insurance and Divorce and the various issues that need to be address when going through Divorce in California and insurance issues you should look at.

We’re going to be talking about topics on Auto, Home and Life.

So welcome, Jon, thanks for being here today.

Jon: Thanks for having me. I appreciate it.

Tim: Absolutely! So why don’t we start by just introducing yourself and tell us about your company. Give us a really diverse background and recently you’ve gone out on your own.

Jon: Yes.

Tim: Since?

Jon: So, yes, I have 25 years of experience within Insurance Industry.

The first 10, 12 years, we spent working with the Insurance Company at the corporate offices like I have to run the business from the inside out.

And then I went out and became an agent for a Captive Company, so, I could only sell one insurance for one company at that point.

And a year ago, I went ahead and made the decision. And I started all over again as a Broker.

And as a Broker, now I have the opportunity to represent more than 30 different companies for my clients.

So whatever my client might need, I’m in a good position to find the right product to the right pricing in order to help them.

So with the internal experience and the different and now only my agency for close to 13 years, I’ve been in a pretty route where things are at.

Tim: That’s good.

Jon: Yes.

Tim: Everything that you generated at this point is rolling.

Jon: Right. As a Broker, I’m not beholding to anyone company. I can do what really and what’s best for my client versus what’s best for the company.

Tim: Right. And that’s how we got connected because I was looking at moving, I kind of like my annual premiums we’re doing on businesses insurance and I was just talking to folks and you’ve been out here for gosh a long time.

Jon: I’ve been out here for 13 years.

Tim: So you were able to give us some of the pricing on because of your current job. So that was—

Jon: For shopping we also found some coverages you didn’t have that were pretty important that we were able to get that for you as well.

And that’s what we tried to do is, try to do a side by side comparison. And find either a better rate for the coverage you have or better coverage for the same rate.

Tim: Right. And more importantly your price is important but so as service.

And for me that was one the most important because I was coming from which called a franchise type company.

Jon: Yes.

Tim: Is that how do you describe it?

Jon: We call it Captive Companies.

Tim: Captive Companies and they just have one product, one price and get what you get.

And with you even I think for one of my insurances like my workers camp or the price was up a little bit but to be honest with you I was willing to pay that for the level of service.

I’m just having someone local someone to call.

Jon: Right.

Tim: But additionally I think we’ll grow into that as far as —

Jon: Absolutely, you will!

Tim: That was the important that I may [inaudible 3:01] with you.

Jon: What is next to deal with somebody locally and you don’t have to call an 800 number for example

Tim: Right.

Jon: There’s somebody that cares out there. We also have staffs.

So if you called my office now and I’m here, there’ll be somebody there that could help you with 90% of what you needed as well.

So we have a pretty quick turn around. And we just want to help people in that way.

Tim: Yes, that’s great!

 

 

Refinancing Your Home During Divorce

Posted by Tim Blankenship on

Refinancing Your Home During Divorce

Tim: So that’s option number one, selling the house. Option number two, we have refinancing your home during the Divorce.

Connor: Yes.

Tim: What we find, we need to catch you up?

Connor: No.

Tim: Just from our perspective is, two things. One spouse usually wants to stay in the home. But usually because of they have their kids and they want to continue raising their kids—

Connor: School—

Tim: In the house and in the school and they’re trying to keep a little bit of normal scene.

But the issue they run into is, does that single parent have the financial ability to refinance in their name?

After one of the spouse wasn’t working obviously that’s not the case. If it’s the working spouse, perhaps they can qualify it for refinancing.

And of course, taking into other factors that finances is available. There’s equity in the home and so forth as the negative equity scenario.

So that’s some of the things we come across where, ‘Tim, I want to keep the home but I can’t afford to refinance on my own.’

Stay in the home and the husband can make the mortgage payment or the spouse can make the mortgage payment you can get kind of convoluted.

So do you see those types of things from the transactions you’ve had?

Connor: It does happen quite a bit. And a lot the people that are purchasing houses there are two income deals.

So I have one of them trying to pull out and be able to take this house and have it refinance so the spouse’s name is nowhere in association with it.

A lot of times, it’s an impossibility!

Tim: Right.

Connor: It can’t happen. And just like you stated which is really important, you need that equity there. You have to qualify for the whole deal.

Tim: Right.

Connor: All pie! So that’s refinancing, some do want to stay. A lot of times though, I would say 85-90% it just can’t happen?

Tim: So that it’s going up in a sale?

Connor: Absolutely!

Tim: Most of the time?

Connor: The other I know, it might be, I don’t know if we can talk about it here maybe part of one of your slides but some of them also think about renting the property out or leasing the property.

Tim: Okay.

Connor: And but again when that comes to the play, we can help you with that. But usually in Divorce people just want to break.

I mean they want to get that thing cut right down the sooner they wanted and just move on. Now you have a property.

Now you have to still communicate with the ex and discuss issues pertaining to property, rather than paying rents, is there damage in the property, is the lawn dying,  did they move pets in there when they weren’t supposed to, lots of things.

So that comes up too. But again, we’re there just like you are there to serve the clients.

And also believe what they want to get but they need to go in armed with all the knowledge.

Tim: Yes, that makes sense. In refinancing if one party is going to stay in the home, refinancing is probably their best option?

Because sort of that if you’re on both parties are on the loan, both parties are on title and you give that property to your spouse and they’re going to live in refinancing, if they don’t you’re still entitled.

You’re still on the loan. And if the default, I mean you’re going to go down with them.

Connor: Absolutely!

Tim: Right, because you’re still entitled to the property. One thing I’d like to add to that real quick is the agreements that you make with the court, let’s say you get a court order, you guys come to an agreement that spouse is going to keep the house.

And you’re not going to refinance because it’s not possible. And they default on the loan.

You can’t take your court agreement that is signed by the judge and say, ‘Look Bank of America, I don’t have—and your lives are actually more–

Connor: ‘I’m free and clear because the judge said it.’

Tim: Right.

Connor: So now this isn’t going to impact me when I want to go out there and buy something out, yes!

Tim: It doesn’t work that way. So despite the agreement you have with your spouse in the court and the judge signed off on it.

Torrance Paralegal Divorce An Alternative To Divorce Attorney In Torrance, CA

Posted by Tim Blankenship on

Torrance Paralegal Divorce An Alternative To Divorce Attorney In Torrance, CA

I’m going to first say that we are not a law firm and we are attorneys.

I just want to get this video on in front of you, to folks that are looking for an attorney say in the Torrance, California area.

I’ll let you know that there are alternatives to hiring a Divorce Attorney such as our firm.

Now we are a full service Divorce Document Preparation Firm specializing only in Divorce serving the Torrance, California area.

What that means is that we can do everything a law firm can do except giving legal advice and represent you in court.

So let’s say you do need an attorney. Let’s say you’re looking for an attorney and I tricked you into watching this video.

You need an attorney. You’re going to need legal representation maybe you even already have a consultation with an attorney you just haven’t hired them yet.

What we want to do is, say number one, less than 10% of cases all throughout California are handled by an attorney.

The majority of folks going through it they don’t need attorney. They just may need a little legal advice or maybe go on a consultation.

But ultimately, they’re either doing it themselves or hiring a company like us to prepare the documents since we obviously suggest.

So two things! Number one either you know you need an attorney for your Divorce in Torrance. And you want to come to us to help get those initial documents done.

Let’s get the ball rolling and get the case filed, served, do your financial disclosures and let us do all the paperwork.

So if you are going to need an attorney at least you’re spending the money on them doing attorney stuff instead of filing up paperwork.

Or number two, what if we can get you through Divorce and you don’t need an attorney? And that’s what we’re finding.

People though they would need an attorney. They saw one of our videos. They call us up.

By the way free consultations. The number is on your screen. Give me a call.

We’ll talk about specifically. And I’ll fill out. We’ve done a lot of cases. We handle several hundreds cases a year.

And I’ll let you know based on the circumstances that we think we can get you through or if we get stucked maybe we can send you out for some mediation.

But sometimes there’s nothing we can do even though we’ve got all the paperwork done, you still need to go and see an attorney because one of the parties isn’t being fair or reasonable or is untruthful.

And those types of cases that you’ll probably need the legal advice or attorney assistance with but most of the case you’re not going to need that.

You can use our service. And three things will happen. We’ll get you all the way through.

We’ll get you mostly through. And then you’ll need mediation. Have someone sit down with you to come up with agreements.

And then you come back to us. And we’ll finish things up. Or we do all the paperwork and you needed to hire an attorney maybe just to review it.

And say, ‘Hey, this looks fair. I had a Paralegal Firm draft this up. This seems fair. This is will something I should sign?’

In that way you know you’re protected on all sides.

So give us a call if you’re thinking of hiring an attorney in Torrance. I’d love to talk to you and see if it’s something we can help you save some money.

At least part way or maybe even all the way.

661-281-0266. Give us a call. I’d love to help you out. Thanks.

Life, Home, Auto & Business Insurance In Santa Clarita

Posted by Tim Blankenship on

Life, Home, Auto & Business Insurance In Santa Clarita

Tim: So anything to add? I mean this is regarding our conversation. I love doing these.

We have different topics here each week. And good things always come out of it.

Jon: Yes. Well, I appreciate you having me.

Tim: Yes.

Jon: Because this is one of the things that at by the time we usually get to people, it’s too late on the other situations.

So I’m just glad you’re out there educating people in these situations so that we’re in a position to help them before something bad happens and that if it didn’t worked out the way we helped that way.

Tim: It’s all about the education point of idea. I do so many videos. We’re doing these videos talking about Life Insurance because it’s related to Divorce and all of that.

So education is what we do. I have tons of videos and we have podcast and we just have so much information out there.

It’s incredible! But I’m glad to hear experts in various fields able to help explain it better than I can.

Jon: But what I would encourage people who I think is going through this process, you can tell that by making a list of things.

It sounds like going to you might be a way to get themselves well educated.

Tim: Yes.

Jon: So, that they’ll understand what the process is going to be like as they go through it and I think that’s just makes it easier for them.

Tim: Alright, well, thanks for coming.

Jon: Thank you very much. I appreciate it.

Tim: Yes. Let people know real quick before we sign off here, where they can get a hold of you, your phone number or your email.

You got what, jsginsurance.com?

Jon: Right. So I’m working out here in Santa Clarita because I’ve been here for 13 years with the business.

We’re over on Tourney Rd. just right by right across the street from the Valencia Country Club.

And the best way to reach us is by call us at our number which is 661-388-5288. And we will be happy to help you anyway we can.

Even if it’s just to give you information, that’s fine. We’re good with that.

Tim: And you handle auto, home…

Jon: Home, life and all business types of insurance too. We work with a lot of small business and medium business insurance.

Tim: I don’t mind.

Jon: There you go! So that doesn’t come up so much in the Divorce situation.

Tim: Sure.

Jon: In terms from an insurance standpoint but certainly something we can help you with.

Tim; Absolutely!

Jon: Yes.

Tim: Well, thanks again for stopping by.

Jon: Thank you having me. I appreciate it.

Tim: And we’ll do this again. I appreciate it.

Jon: Alright.

Tim: Thank you sir.

Jon: Alright.

Tim: Alright.

Jon: Take care!

 

Is Divorce Mediation More Of A Hassle Than Hiring A Lawyer?

Posted by Tim Blankenship on

Is Divorce Mediation More Of A Hassle Than Hiring A Lawyer?

Tim: Next myth. The myth was mediation is more of a hassle than hiring a lawyer to handle the Divorce.

So in this case is mediation more of a hassle than just hiring a lawyer?

Lisa: You know I think people have a hard time with something new or something different than just to try it into ‘I’m going to get my attorney. You get your attorney. And let’s just kind of haggle this out the best we can.’

It’s definitely a change in the way that people think about Divorce. I would hope that it’s not more of a hassle.

I think it’s just probably learning about the process. Someone needs to do a little bit of research, make a few phone calls, find out what the difference is are between mediation and litigation.

It’s such a simple process with personally with my mediation organization you make a phone call. You come in for a free consultation.

There’s no retainer. There’s no meeting with the other persons attorney and having all these disclosure.

Tim: Right.

Lisa: This is just on your terms. Come in. Let’s talk. Let’s see what you guys want.

Let’s see what you guys want to see at the end of this process.

I think it’s more of a re-education of people and just trying and taking that one step to find out, okay, instead of just getting a lawyer and talking to my friends if I have the best lawyer in town.

It’s what are the differences and just kind of educating yourself about it.

Tim: Got you! When I read this question what I saw in this question was that it is more of a hassle to personally have to sit down and work through your issues with your spouse.

That’s hard for…

Lisa: It is.

Tim: Especially for guys they’ll, okay, we’re going to sit down and personally work through this, as opposed to, it’s easy…

Lisa: Right!

Tim: …to just throw money on the attorney…

Lisa: And let them make the decisions…

Tim: …and say you deal with my problems because…

Lisa: No, I agree with you.

Tim: …here is what I want. Let me know when you have that happen. And not have to…

Lisa: This is an investment in time and in emotion and on both sides.

Tim: Yes.

Lisa: They need to be willing to say, ‘You know what, we don’t want to hate each other. And we would like so many leftover at the end of this process.’

Tim: Right.

Lisa: ‘And we want our kids to be whole and healthy and happy.’

So you’re right. It does take a lot more time and energy…

Tim: Right.

Lisa: …and investment.

Tim: In that way.

Lisa: In that way, to be able to go to this process.

Tim: That’s how I read the question. Maybe the guy perspective on this is like, ‘You know what, I’m just going to write you a check.’

And many people do until that money runs out. But you know just throw money at the lawyer and say deal with it is easier to a degree.

Lisa: And just to make you safe and just to let you know and just plug in the numbers and tell me what I can get out of this.

And make sure my partner doesn’t get everything. And I get what I want. And so I agree with you.

It’s a lot more time consuming and a lot more emotionally involved.

Tim: Absolutely! But the energy spent is going to result in better decisions long term.

Lisa: It’s all worth it.

 

Is Divorce Mediation For Wimps?

Posted by Tim Blankenship on

Is Divorce Mediation For Wimps?

Tim: Okay, the next myth. I like this one. I wasn’t sure if I was going to use this one but I thought it would bring a good topic.

So this myth is mediation is for wimps. So the question here is Divorce Mediation for wimps?

And the one reason I want to bring this up is because I think this is a guy thing. It’s obvious it’s not a girl thing or a woman thing.

There are guys, ‘I’m not going to do that.’

Lisa: Right.

Tim: ‘I’m the man.’ What do you think about that?

Lisa: You know and I think that ties into our last question, our last myth about you know…

Tim: The hassle or to deal with it.

Lisa: …the hassle, the investment, the emotional part of it. It is definitely not for wimps.

You have to be pretty strong and invested and determined.

Tim: It’s true!

Lisa: …to make this relationship work.

Tim: It’s actually the opposite.

Lisa: It’s the opposite.

Tim: It’s the exact opposite of that.

Lisa: I think you’re weak if you’re just going to let somebody else take control of your life. And tell you what you’re going to do with your life.

Tim: Yes.

Lisa: So I think if you have it in you, you have to have a lot of strength and a lot of willingness to commit to the process.

Tim: Right.

Lisa: …to be able to work it out to where it’s worth it for everybody involved in the end. So I think it’s not for wimps.

It’s for somebody who wants to make sure that everybody comes out fairly pole at the end of the process.

Tim: It’s definitely harder to sit down but in the time and effort to sit down especially with someone who you’re disengaging from.

Lisa: Right.

Tim: And come up with the decisions and work through with those issues. It’s not easy.

Lisa: No. It’s not easy. And it will take control and you will have emotions coming up that you don’t want to talk about.

Tim: Right.

Lisa: But again I want to reiterate this is not therapy session. And a lot of men tend to shy away from that.

Their wives said, ‘We should go in couple therapy.’ and they’re like—

This is just a communication process, a place where you can make decisions about your life, about your marriage, about your kids, about your money without somebody hanging over your shoulder telling you yes or no.

This is your time to make those decisions.

Tim: Very good, not for wimps.

Lisa: No!

How To Value Your Home During Divorce

Posted by Tim Blankenship on

How To Value Your Home During Divorce

Tim: So they’re going to sell. Now they have to come to an agreement on what’s it worth.

We had clients in here couple weeks ago—this was they owned. They had everything settled. The house is actually paid off in cash. So they are in good shape financially.

The issue was what is house worth? So if they’re going to divide it evenly coming to a firm like evaluator.

In this case one party thought the house was worth $50,000 more than the other party.

And they’re looking at comparisons and all that. But what’s the best way to come to an idea? Do they get independent appraisers?

Do they get independent agents to do like of a compared market analysis? This particular client I said, ‘Look, you’re talking about $50,000 whole. It’s really about $25,000 to you, if they’re dividing which they’re like ‘Okay, that’s not that bad.’

If they can meet in the middle, I mean there are lots of options.

Connor: It’s always said there are three values for a home. And it’s like when you’re buying a business there’s three sets of records.

There’s what the owners going to give you to sell it.

Tim: Yes.

Connor: …to show you that it’s awesome. There’s really what it really makes so he knows exactly where he is every month and then it’s going to be the other ones where he shows the IRS which going to be a lot less than his earnings.

With a home evaluation it’s kind of the same thing because you have the agent that’s going to probably try to tell you what you want to hear in order to secure the leasing.

Tim: Right.

Connor: Unfortunately, that seems to be more a case than the exception. The other value happens to come in where what do you think it’s worth.

And then finally really what it is and what’s it worth. So the way that we do it and I think any good agent would is we have to look at factual properties that have closed Escrow.

And we have to stock those properties up making allowances plus or minus whatever percentage points or real amounts for the different amenities that they’re property might have versus the ones that we’re able to compare it with.

So the other you mentioned was an appraisal? Yes. If it’s a big deal then you could have hire independent appraiser to go out and evaluate the property and establish that value.

So that’s probably the cleanest way because with the agent, now you got to trust them.

Tim: Right.

Connor: I’m not trying to put us down as an industry but the world view isn’t so good. If that agent comes since both you down and looks at the sold comparable properties comparing Apples to Apples—

Tim: Right.

Connor: Not gaming in the system having you be able to verify that those are true and indeed the actual comparables within six months within a half an hour radius comparing the same types of property to your property and be able to verify that with an offline or excuse me a non-realtor base source online somewhere else that won’t have any reason to game you.

Tim: Right.

Connor: …then that’s also another good way.

Tim: It’s interesting because when people are splitting say in this particular case they had the house paid off but now they’re splitting up and they need to cash out.

Connor: Right.

Tim: So he wants to keep the home. So he just took out a second. He had the financial ability to qualify for that and cash it up.

And the questions that became were what’s it worth? And do we use today’s fair market value? What if the property declines in value a month later or —

Connor: Right.

Tim: We see this declined in market. And the half is a lot less then do you take the fair market value? Let’s say there’s $100,000 in equity based on the appraised value?

And you just say well $50,000 as half or would you take out that percentage of the sale? There’s a lot of ways that you really can loot this.

Or you can just say you know what, there’s $100,000 in equity if we sold. I mean you can count the commissions and Escrow and title fees and we will let down by 10-15 grand.

Connor: Sure.

Tim: So I think what people need to do is just move on. Don’t fight over the penny, just focus on the meat, not the potatoes if you will.

Connor: And what we talk about kind at the beginning, usually in a lot of cases one of the spouses they don’t want to go. It’s not their ideal scenario to be Divorced.

Tim: Right.

Connor: So a lot of times that’s where a lot of the renters are going to come in. And they’re hiring you to do service.

They hired me to do a service. My service is to try to balance everything so nobody gets hurt as a result of them wanting to sell this piece of real property.

Ultimately, that’s the goal. Commission aside, success aside all the sellers stuff aside, that protection is important and them having all the facts to be able to make good decisions.

 

 

 

 

How To Make Sure Your Realtor Understands Divorce

Posted by Tim Blankenship on

How To Make Sure Your Realtor Understands Divorce

Connor: Yes, I have to say the Divorce scenario is if you’re going to hire somebody to do it, make sure they’ve done it.

Make sure they understand the process. Make sure you get good advice. Make sure they sit you down and get a game plan with you.

Don’t take it forgranted that they say, ‘Oh, I’m an expert at doing Divorces for Real Estate and selling out.’

Don’t take their word for it. You got to sit down. They should be able to explain to you how the process works.

Just like you Tim, what’s good about you is we’ve talked a lot before. You’re good at scenarios.

‘You know we had a couple in here last week. And she said such and such and he said so on and so.’

And it relates to what these people are now going on through. That’s the best way to convey information.

Tim: It’s like troubleshooting. We do so many Divorce cases here all throughout California. We see all these different scenarios.

And now from doing these along we can troubleshoot and give suggestions, ideas which is all the reason we’re doing this episode regarding Real Estate because this is one of those things we’re trying to inform our clients about is what the options and I sit when we have our consultations.

When I have Real Estate I said, ‘Look, when it comes to your house these are the three options you’ll have or four or five now that we have.’

And depending on their circumstances financially I can tell them right there on the spot, ‘This is going to be your only options because of X-Y and Z.’

And that has to sink in sometimes because usually not what they want because they want to keep the house and all that.

But what we tell folks regarding money and your finances when you live apart, when you separate from your spouse, you have the same income whether it was you working alone or both spouses working the money doesn’t go as far when you’re trying to handle two households.

Connor: Right. Absolutely, that’s additional expense.

Tim: Whether it’d be the original primary residence or you both have separate, move out and go that route, so.