1 December 10, What You Want It to Be (154) Welcome to Mom Enough. [Background Music] With your co-hosts, developmental psychologist, Dr. Marti Erickson and Erin Erickson, maternal child health specialist. Brought to you through a partnership with the Minnesota Department of Education and Working Family Resource Center. Content copyrighted my Marti and Erin Erickson, all rights reserved. Here's my grandma Marti and here's Erin my mom enough. Welcome to Mom Enough, I'm Marti Erickson here with my daughter Erin and we're so glad you tuned in. This is the second of a two-part series we're doing on options for when you're marriage is not what you want it to be. And certainly, many of us have been there. Very important to try to do what you can to save your marriage, to try to discern whether it is a relationship that you can save. Last week, we had Dr. Bill Doherty with us from the University of Minnesota who really focused on how to try to save your marriage and how to discern whether it's possible or not. Both of these shows are brought to you, thanks to the support of DivorceChoice.com which you can learn more about on Mom Enough website. Today, we're just thrilled to have with us a dear friend of ours, has been on this show before, someone I admire greatly from my on work in psychology. I've heard about Ron Ousky, not only here in the Twin Cities community, but really around the country from people who value his really impressive and extraordinary work on collaborative law and collaborative practices to divorce. Ron is a collaborative attorney and the mediator who has practiced almost exclusively in the area of family law since graduating from law school in He's cofounder of the Collaborative Alliance Executive Suites in Edina Minnesota and coauthor of the ground breaking book, "The Collaborative Way to Divorce: The revolutionary method that results in less stress, lower costs, and happier kids without going to court. That's a long titled, but it really sums it up. Ron lives with his wife Marlys and is the father of three adult children. So thanks so much for joining us Ron. Ron, I got to give a personal plug too. I've read the book and I actually worked with Ron Ousky when my ex-husband and I went through our divorce process. And I will say that I think that that process for us really made the difference as far as having a really positive co-parenting relationship and being able to maintain a family even after divorce. So I really am grateful to Ron's important work. And so, just to get started Ron, is it possible to put a divorce on hold or to hold off on divorce during reconciliation and still be protected? I think people going into divorce are facing challenges in their marriage, feel so much fear over, you know, their financial wellbeing and their general legal well-being I guess as well. So what are your thoughts on that? Yes, it absolutely is possible to do that and it--and there are lot of different ways that that can happen. And I often kind of compare a family crisis in conflict as being like a medical crisis. And like with a medical crisis, you simply just to need to stabilize things. And once you've stabilized
2 things, there is an opportunity to put things on hold and to really look at what this family's future is. We work primarily with divorces. We also work with people who are trying to reconcile or people that are just doing legal separations. And if we can stabilize things, the family can catch its breath and figure out what direction it wants to go, then I think that's the best opportunity to make the good choices. And when we talk about stabilizing things, of course first and foremost, stabilizing the parenting so that we have a stable parenting understanding, so that the children aren't caught in the middle. And then with goes hand in hand with that is stabilizing the finances so that everybody understands how bills are getting paid, making sure there are no change in insurance. And if we can stabilize those things, even if you're in the middle of a divorce or even if you're unsure about whether divorce is going to happen, it gives you--gives both the husband and wife the latitude to plan their future--my family's future and to make this important decisions, not so much how of fear, but after they've really thoroughly examined what the best choice is for them. You know, what I'm hearing in your comments Ron is that this is not an all-or-nothing situation. And I think so often when couples are in trouble in their relationship, it's very easy for them to fall in to thinking either or either we stay married or we get divorced, but understanding that this is process and that there are various ways you can change direction even through out the process with an emphasis on doing what's best both for the parents and certainly for the children. Absolutely, that's one of the strongest message to get out there. It is not a black and white, allor-nothing scenario. And as you would mentioned it, I think Erin mentioned earlier that there are so much fear that goes on that it's easy to start thinking black and white terms. We either have to divorce or we have to do this in truth or a lot of layers. And if you gather good people around you, get good professional support both in the mental health area and then financial area and the legal area, you can make sound decisions and you'll see that there are a lot of layers and lot of choices. Yeah, it's one of the reasons we talk a lot about divorce choice and other things is that people often don't recognize the number of choices that are out there. They might be of familiar divorce at all, they're familiar with the neighbor or a friend down the street, and often hearing some people's stories, it seems like a more narrow option than it really is, so. I want to just inject here too that we do have a number of resources from DivorceChoice. DivorceChoice.com is a supporting partner of Mom Enough. And we're really glad to link to that as a resource and to also have some kind of handouts and informational materials in the resource section on our website that can be very helpful to parents. I also want to mention that we're kind of just jumping in here and talking about things in the process of working with an attorney to go through a divorce or a legal separation. But we do have another interview that we did with you in the past Ron that we linked to. So people who want to kind of back up and get more of the basic definitions of what a collaborative divorce entails, what that process is all about, can listen to that as well. I would really encourage listeners to check that out whether you're in this situation or you know someone who is. Well, so if we separate while we're trying to reconcile, you know, let's say I'm going through a difficult time and I think my marriage is coming to an end but I'm not sure, maybe thinking working on things a little bit, will I be kind of setting a precedent as far as how things are going to go and will that make things more difficult for me in the future?
3 Well that's a great question. And reality is that you can't separate without setting up a bad precedent, but that's the question again often asked a lot. And if you're careful and you can plan the separation in a way that's healthy for the family, then you don't have to set an unfortunate precedent. Hopefully, the precedent you'll set is one that's child-focused and one that's financially stable. And so, that's usually the reason I recommend for people to perhaps consult with an attorney in an addition to a mental health professional even if it's not a divorce so that they can do the separation in a way that avoids surprises, stabilizes the parenting, and stabilizing the finances. If you do that, then you avoid the danger that a bad precedent will be set. So often, I hear the situation where for example the husband will say, "Well, I feel like we need to separate but if we separate, is that can we considered abandonment?" Well, there really isn't such a thing as abandonment in Minnesota law today and there is a lot of miss out there about that. You can separate without the person who leaves it being regarded as having abandoned his or her children. You can separate and have a financial agreement. One of the issues with separation is to whether to formalize it, should it be a written separation, a legal separation, or should we do it informally. And there are times for either one, but those are good intentional decisions to make so you can do it in a way that it doesn't set a bad precedent for anybody. So what does it mean to be legally separated? What's the definition of that term? And then also, I know you talk about collaborative separation, tell us what that is as well. Yes, thank you. A legal separation is essentially a legal process in which you can enter into a formal agreement that governs your separation. It can actually even be entered into as a court order if you want, although most people just use to make it a legal contract. Under Minnesota law, you can't--husband and wife can't have binding agreements with each other unless there are some kind of what they call an action pending. And so, by getting legal separation action pending which just means drawing up some papers for the most part, you can read your contract that govern things such as what the parenting schedule is going to look like, how support is going to get paid, how insurance is going to get handled. And so, a legal separation is primarily a separation which there is a document governing the separation. Now, when we talk about a collaborative separation, really referring to one in which you've had some help from attorneys, collaborative attorneys to guide you in finding a way to do your separation in an out of court way. And collaborative lawyers are people who specialize in working as out of court collaborative separations. It's having somebody guide you in an out of court way to do your separation. Most legal separations, almost all of them end in one of two ways. Either in reconciliation or they get converted in a divorce. Even though on theory, you could live legally separated the rest of your life, I don't know if anyone who's ever done that. But it--a legal separation creates a holding pattern for you to give you the time that you need to sort out whether this marriage can be reconciled and could be a good adjunct to the counseling and help you determine whether the marriage can be saved. So if someone separates, does it--do they have to have an agreement in writing?
4 They're not required to. In fact most people who separate probably do not. And that's one of the things we cover when people say, "Well, do you think it's necessary to have an agreement in writing?" And sometimes, it depends on how long people intend to separate. I mean most people don't know at the time if you're going to be separated for six months or a year or longer. Probably makes sense to get it written out. Most people who separate think it's going to be two or three or four months and then a decision will be made. So it depends on that, but it also depends on, to some degree, the trust level or the fear. If there is a fear that somebody is not going to return the children at the designated time, or somebody is not going to pay a bill on time, or just they feel like they have some security of knowing you've got a written document, then a written agreement is a good idea. It also is--comes in handy. Sometimes if--during a separation, there is a concern that one party might incur a lot of debt and the other party might be saving. If you want to preserve things so that there are rules about how that debt gets covered, then a written agreement is necessary in order to do that. So those are the things I recommend for people to go through with their collaborative attorney and say, "Well, is this really necessary to have it writing?" Sometimes it is. Sometimes it isn't. What about the children Ron? You write a lot about the idea of putting the children in the center not in the middle. And I think that's a really interesting distinction. If there is a legal separation or a possible divorce, how can a couple keep the children in the center and not put them in the middle of the disputes? Yeah, thank you. And that's a phrase I learned from our own mutual friends Deb Clemmensen who's a tremendous child specialist who really help us do that. And that's one of the ways that whether you're in a separation or divorce, getting a good professional help including somebody who's a specialist with children to help get counseling and guidance in that area is maybe the number one piece. But then beyond that and again that's the one of the reasons for working in a collaborative environment so that hard decisions can be made in a respectful way. I mean, these are difficult times. Sometimes fear can run away with things. And if--you see, if we sit people down and talk about what their primary goals are, primary interest, almost every client will tell me at first that their children, keeping their children out of the middle is a primary thing and they both would want the children to have a good relation with their mom and their dad, they want to really get through this okay. And even being able to have a conversation about how they both care about common things with the children will take it out of a win-lose environment and more into a win-win environment. The hardest thing for the children is that if he gets [inaudible] in a situation where mom or dad feel like they have to get the edge on the other and-- so they either fighting for percentage of time and getting in disputes and sometimes in front of the children, that really can damaging to them long term. And so, if they can get good counseling both legal counseling and mental health counseling about how not to do that, that's the greatest benefit I think the children can get. Well, in all the research on the effects of divorce, both the short term and long term effects on children's development, really supports the idea that if parents can work together in keeping the children's best interests at heart, those children are going to do just fine. Doesn't mean they're not going to feel the pain of their parents going through the divorce. It doesn't mean that there are no effects. But in terms of measurable outcomes, children actually thrive quite well if their parents are able to kind of rise above their differences and really parent together in an effective
5 way. I know that's easier said than done, but really a worthy thing to aspire to for the sake of the children. Well, and it really is true. And people hear all the horror stories about what can happen to children when it goes wrong and they need to hear those as well. But there are so many great success stories out there. People who are post-divorce who have raised children we would all be proud to have, whose children have obtained all the goals that they have for their children. And so, divorce is never easy, separation is never easy, but parents do not need to think that this is a sense on their children that there is no way for them to raise the children that they like, 'cause there are so many numerous examples of people that do that well and I admire parents who can do that. And it's a matter of getting the resources to help them raise the children the way they want to. Well, I'd say Erin and her ex-husband and his current wife have done a really remarkable job of parenting well together. And we're so grateful--as whole family, we're grateful for that because the kids are, you know, they are normal kids and they have their ups and downs, but I think that's a good example right in own family. And the grandparents and I really appreciate that too. We've remain close. I cherish that from my own sake and for the kids. Well, I cherish that too. [Laughter] I know you do. I mean, no one wants--i think that's one of the big challenges when you're going through a divorce or you're considering that as an option is that sense of the collateral lost. And I think that the kind of more--kind of combative way of divorce really does manage to push people apart and it's damaging to relationships not just between couple and the couple's children but their extended family and friends. And I think when you get into that negative cycle, that's really where so much of the damage occurs. But maintaining positive interactions which I think is a lot easier with a collaborative process really does help protect and save a lot of those relationships. I'll speak to that. I went to England this past summer with Erin's ex-mother-in-law [laughs], the mother of her former husband, and we took a little Clara [phonetic] for her 8th birthday on this amazing trip. And, you know, that was just a peak experience for both the other grandmother and for me and, hopefully, really a memorable experience for Clara. And I hope that as she gets older and reflects back on that that her two grandmothers did that really big thing for her, but that we did it in spite of the fact that my daughter and the other grandmother's son are divorced. And so, I just hope that's an example to others that, you know, you can really rise above the stereotype of how the families fall apart around a divorce. That's such an amazing story and it just gives me chills hearing that and hearing more and more of those kinds of stories. And that's what is so great. I mean, there is no question that divorce is about to some loss. There is a loss that's occurring. We don't want to accept that. Yeah, absolutely.
6 But it's also about preserving and the ability to preserve opportunities like that, to hear if our child going trips with their grandparents, or for the children to get the best out of their mom and dad. And so, if we can shift people seeking whether to separate or divorce, okay, what's going to be preserve? We know for sure that we're going to be parents and grandparents of these children for the rest of our lives. So what can we preserve within that relationship is going to matter this children, even if they are going to be in separate homes and it's great to see more and more people and more and more examples of people doing that well. Well, and I think it's reassuring, hopefully, for people who are considering divorce or in that process whether coming from that place of fear and that they might hear, "Oh you know, things don't have to be all horrible [laughs], terrible with this kind of circumstance." So I'm thinking about someone again who's in the process of kind of figuring out where they are with their marriage. Maybe they're considering separation. Do they need to file for divorce to protect themselves? I mean, I think there is that sense of wanting to protect yourself from all the things that you imagine might happen down the road. And so, what are your thoughts on that? In my experience, the overwhelming majority of the time, they do not need to. And of course, there are separate situations they won't be able to get in here about where there is abuse or a crisis or an emergency. Certainly, there are situation where filling becomes necessarily. Somebody's in crises or in danger of abuse. That's a whole separate area. But in most cases, filling isn't necessary at the beginning of the case. And it is possible to get protection and have things stabilize just through an agreement. And I think the important thing for people because another one of the black and white thinking is it goes "soon as we get lawyers involved, it's off to the races, we got to file, we have to serve, we have to be in front of a judge." Where if we shift our thinking away from layers as gladiators and think of lawyers as consultant, where they're collaborative or otherwise, these are people that work for you and these are people who can consult with you and create plan and they can outline ways to protect you with written agreements, with good skills that avoid having to seek protection into more adverse certain ways. Because the old way of doing things which is to file papers and to file motions right away is kind of like the bowl in the Chinese shop. I mean, sometimes it gets you some of the protection but usually the price financially and emotionally are so great that people come away disappointed. So can you talk to your divorce lawyer about reconciliation? [Laughs] Or, you know, I'm just thinking about the typical relationship between a client and an attorney. You know, is that going to make the attorney thing, "Whoops, [laughs] this is not going to--this is not going to go forward. I'm not going to make us much money or"-- Yeah, that's a great question. And the answer is yeah. I think really most attorneys I know who do family law, collaborative or otherwise, really do care about families. And even though he has to make more money when people fight, but people wouldn't be in this business if they didn't care about families. And generally, a good law attorney is really happy to see a family they can try to reconcile. I mean that's one of the things when you're selecting an attorney to sit down and make sure it's someone who really has the interest of your family at heart. But if they do, and again, by enlarge, most do, then absolutely talking about reconciliation either at the beginning or even in the middle of a divorce is important. And it's important--i think what happen sometimes is lawyers--you need to find a lawyer who's kind of create in that regard 'cause
7 sometimes lawyers aren't--will say, "Well, I can't really talk to you about that 'cause I don't know. It's not my area of expertise." And clearly it isn't, but they can be a resource to help you stabilize things while you go meet with the counselor and meet reconciliation people. And most good family law attorneys should be experts at least setting stage for reconciliation just as much as they should be experts in helping you through your divorce. Well, so I'm thinking about, you know, there is so much misinformation out there and I think people don't really understand all the options as we've talking about today. And so, I have kind of a two-part question here. So, you know, when someone's starts a divorce, is it ever too late to turn back and seek reconciliation? And also, what do you think are kind of the toughness that going to make people feel like they have to just go ahead into the divorce prematurely? Oh great question again. And first of all, and the first one is it is absolutely never too late to stop. And I've seen people in every stage of the divorce process side to put it on hold and do a reconciliation. And sometimes, they put it on hold for a while and move ahead with divorce. Sometimes they put it on hold forever and we kept the divorce paper and they rework on their marriage and they start it over. Sometimes in the course of, you said, of a collaborative divorce which focuses a lot on communication with people. People learn how to communicate better and they say, "Boy, now that we learn how to communicate better within our divorce, I wonder if we shouldn't take another shot at marriage counseling?" And it's always wonderful to see that 'cause so much of marriage is communication. And ironically, so much of healthy divorce is communication. So it is okay to stop things and say, "Can at least do communications skills that we've learned help us reconcile our marriage?" As to myth, and there are plenty of them out there, I think part of it is that sort of black and white thinking, either have file or not file, that either I have to go to court, people aren't aware of mediation and collaborative, they need to get information about that. But there is also just a general feeling of--and this is mostly base on to fear and sometimes anger that in order to protect myself and my children, I have to get tough, I have to really go out and flex my muscles. And, you know, there are times where that's true, but far less than what I think. I mean, we think and I think generally, if you push too hard right away and file papers too quickly, it's going to require your spouse to simply push back and it doesn't usually lead to the outcome that people want. A lot of times, there is--you know, one of the other myths with that is the idea of "if I don't file first, if I don't get them first, I don't move the money around and move this account around, I'll be at a disadvantage." That kind of divorce planing, that collaborative divorce strategy I think almost always backfires. And it's something that sometimes lawyer's advice people doing, it seems like sort of collaborative advice, but almost never works 'cause usually if you're in front of a judge, they'll all undo that anyhow. Plus, you created back into adversarial process that nobody ever really wanted to. Even something as simple as serving papers which divorce lawyers used to do automatically, which to most clients, if we listen to our clients, it's a very offensive thing to do if you don't have to do it. Imagine getting papers at your workplace of a divorce you weren't expecting. That's usually unnecessary. Most times, people can start a divorce in an amicable way. And I think the way your divorce starts is a big predictor of the kind of divorce you're going to having and probably the kind of life your family is going to have afterwards.
8 Really important advice and backing up to some of the things we talked about last week with Bill Doherty, I think there are also our myths about what marriage is over the long haul. And as someone who's coming up on my 43rd wedding anniversary, I will speak to the reality of marriage in both joys and the challenges along the way. And I do worry that in our society and kind of the media images, the shallow and, you know, overly romanticized the images sometimes really work against us, I think. And there is and should be a lot of romance in marriage. But there is a lot of friendship and a lot of handwork and all sorts of other things that are just part of the deals. So I really appreciate having a chance to talk about that and the things that Bill Doherty discussed in the first part of this series brought to you by DivorceChoice.com, and really appreciate what you had to share with us Ron Ousky and the better way to proceed with the separation or divorce if it comes to that. Well, thank you for having me on the show. I really appreciate it. Well, and thank you for tuning in to this edition of Mom Enough with Marti and Erin. We hope you'll stay tuned [background music] for next week's show. If you have concerns about your child's growth and development, please talk to your child's health care provider or call GROW. That's to talk to a professional and find out ways in which you can get connected to various resources in Minnesota. Do you think I'll have a show called Kid Enough someday? [ Music ]
Dialog: VIP LESSON 049 - Future of Business A: We really embarrassed ourselves last night at that business function. B: What are you talking about? A: We didn't even have business cards to hand out. We
Dialog: VIP LESSON 001 - Alimony A: Why is Kevin selling his house? B: He's getting a divorce and says he won't be able to pay for it after he pays alimony and child support. A: Why is he getting a divorce?
You're Getting Divorced: Now What? You've decided that your marriage just isn't working out, and that you need to get a divorce. It's not an easy decision, but it's one you feel you have to make. Or, your
Dialog: LESSON 120 - MBA A: What are you doing tomorrow? B: I'm starting my MBA. A: I thought you hated business. What changed your mind? B: I do hate it, but I need to start making more money. A: MBA's
731-04-joel_maloff-phone.com-cloud_based_phone_service Page 1 of 5 Ranked the #1 radio show in the Boston Market in its time-slot, and with more than 5,500,000 Podcast downloads, Tech Talk With Craig Peterson
Utah Divorce Survival Kit An Instruction Manual Prepared by Common Ground Divorce Mediation THIS KIT IS FOR: This kit has been put together by experienced divorce professionals for couples who desire to
Resolving Disputes Respectfully www.collaborativepractice.com INTRODUCTION Thank you for downloading the 12 page Collaborative Practice Knowledge Kit which contains: The Collaborative Divorce vs. Litigation
THE BASICS Custody and Visitation in New York State This booklet answers common questions about custody and visitation when the parents cannot agree about who is responsible for taking care of the children.
Telephone conversation between President Kennedy and Governor Ross Barnett September 29, 1962, 2:00 P.M. President Kennedy: Hello? Hello, Governor? Governor Barnett: All right. Yes. JFK: How are you? RB:
Transcript - Episode 2: When Corporate Culture Threatens Data Security Guest: Phil Huggins, Vice President, Stroz Friedberg Welcome to Episode 2 of the Business of Truth podcast by Stroz Friedberg, "When
CHARLIE FISS: Good afternoon, everyone. Welcome to our media teleconference for the College Football Playoffs Semifinal at the Goodyear Cotton Bowl Classic. Those participating on today's teleconference
Janet E. Helms, Ph.D. Augustus Long Professor, Department of Counseling, Boston College Interviewed by Carlos P. Zalaquett, Ph.D., L.M.H.C Department of Psychological & Social Foundations University of
When a Parent Has Mental Illness Helping Children Cope World Fellowship for Schizophrenia and Allied Disorders 124 Merton Street, Suite 507 Toronto, Ontario, M4S 2Z2, Canada Email: firstname.lastname@example.org
Ohio Judicial Conference Family Matters: The Legal System People go to a divorce lawyer for many reasons. Some want to get their spouse's attention, change behavior or send a warning. Others, having given
How to Create Winning Joint Ventures Jim Ingersoll here with another segment on private lender financing and your private lending course. I'm excited to have you along. Now that you know why you want to
Welcome to the NSLDS hands-on session. My name is Larry Parker. I'm from the Department of Education NSLDS. Today, I have with me a whole host of folks, so we're gonna make sure that if you have any questions
Speaker 1: In this episode, I want to discuss how to describe things in your personal statements or in your application materials when you have to talk about something that's a bad thing from your past,
This is the most effective and powerful script for securing appointment with FSBO's you will ever put to use. This scrip will increase your appointment closing ratio by 50-60%. The thing to keep in mind
How to Perform a Break-Even Analysis in a Retail Store A Step by Step Guide By BizMove Management Training Institute Other free books by BizMove that may interest you: Free starting a business books Free
CHOOSING A FINANCIAL ADVISOR Prepared By Winer Wealth Management, Inc. 21243 Ventura Blvd. Suite 207 Woodland Hills, CA 91364 (818) 673-1695 www.winerwealth.com Common Concerns Do any of these sound familiar?
Must Read Life Insurance Report Dear Friend, Thank you for taking the time to read this report on life insurance. This is a free gift and should not be sold for any price for any reason. When you are finished
Divorce Mediation Myths Debunking divorce mediation myths: Facts about the mediation process. Myth: Mediation allows one spouse to dominate another. Fact: A good mediator pays close attention to the power
Real Estate Investing Podcast Episode # 74 The ABCs of Finding and Training a Virtual Assistant Hosted by: Joe McCall and Alex Joungblood Jesse: Hey, welcome back. This is Real Estate Investing Mastery.
So, what I was going gto present to you today is tips on applying to grad school. Kind of give you a timeline because if you're juniors thinking about applying a year from now you are so ahead of the game.
Family Law Dispute Resolution Options If you are presented with a divorce or other family law matter which requires a resolution, there are a number of procedural models which may be used. The most commonly
Interview With A Teen. Great Family. Outstanding Education. Heroine Addict I recently had the incredible opportunity to interview a young man, Gregor, who very quickly fell into a dependent situation with
Just to get started, my name is Joe Peterson. I'm a Senior Reviewer for the Foreign Schools team and have been for a little over three years now. And with me is Or I'm with her, I should say. Barbara Hemelt
Dear Friend, I want to thank you for downloading this short report. Right now you may be feeling overwhelmed by financial pressure but I want you to know there is help for you. During my life as a bankruptcy
STUDY GUIDE AND INTERVIEW TRANSCRIPT TO ACCOMPANY VIDEO TAPE PSYCHOTHERAPY WITH THE EXPERTS FEATURING JAMES BUGENTAL Jon Carlson Diane Kjos Governors State University University Park, IL EXISTENTIAL-HUMANISTIC
Announcer: Announcer: Effects of Social Media on a Relationship. This is Stay Happily Married, Episode number 294. Welcome to Stay Happily Married. Your source for weekly updates on the latest tips and
THE BASICS Getting a Divorce in New York State Either the wife or the husband can ask a Court for a divorce. In this booklet, we say that the wife is the person who will go to Court to request a divorce
PARENTS GET TOGETHER TO SUPPORT EACH OTHER: Group helps parents of teens cope By Dawn Frasieur The Berkeley Voice, April 2, 1992, p. 3 and 12. The conversation moved from subject to subject: the crisis
My name is Tim Sain, and you guys are in a budgeting workshop. Has anyone ever done any kind of financial literacy? No. Budgeting? Workshop? Talked about money? Has anybody ever showed you how to spend
How to choose the best divorce attorney By Trey Yates If you are preparing to get a divorce, or just considering it, it is a good idea to begin by finding the right attorney for you. Divorce is a big step.
Profiles of Civil Engineers Kelly D. Payne, P.E. Project Engineer HDR Engineering, Inc. Austin, TX Education: B.S. Civil Engineering, Texas A&M University M.S. Civil and Environmental Engineering, Cornell
CENTER FOR EFFECTIVE PARENTING CHILDREN'S SELF-ESTEEM Self-esteem can be defined as how people feel about themselves. Children's levels of self-esteem are evident in their behavior and attitudes. If children
Filename: P4P 019 The Facts of Life Insurance Todd: [0:00:18] Hey everybody, welcome to another edition of The Prosperity Podcast, this is No BS Money Guy Todd Strobel. Once again, we re lucky enough to
Powers of Attorney and Elder Abuse Hull on Estate and Succession Planning Podcast #64 Posted on June 12 th, 2007 Suzana Popovic-Montag: Hi, and welcome to Hull on Estate and Succession Planning. You are
LIST BUILDING PROFITS BUILD YOUR LIST THE RIGHT WAY Jonathan Leger COURTESY OF LEARNFROMJON.COM - PRIVATE BUSINESS COACHING FROM A MULTI-MILLION DOLLAR INTERNET MARKETER + ACCESS TO PREMIUM AND EXCLUSIVE
Host: Larry Cohen Co-Host: Rachel Grant Guest: Attorney James C. Lewis Release Date: 12/12/2011 Structured Settlements: A Smart Choice for Children When a child is injured, families suffer not only from
Todd: [0:00:18] Hey everybody, welcome to another edition of The Prosperity Podcast, this is No BS Money Guy Todd Strobel. Once again, we have my cohost, bestselling financial author Kim Butler with us,
Transcript of Initial Competency Hearing Participants: The Honorable William F. Dressel, President of the National Judicial College (and retired judge) serving as the Judge The Honorable Michael J. Finkle,
Connectedness and the Emotional Bank Account Directions This is a self-guided activity that can be completed by parents, teens or both. It contains five parts and should take about 45 minutes to complete.
7 th JMTC Legal Assistance Information Child Custody Over Seas Please note that this Information Paper only provides basic information and is not intended to serve as a substitute for personal consultations
Excellence and Equity of Care and Education for Children and Families Part 3 Program Transcript FEMALE SPEAKER: Ms. Vazquez, in our final conversation, I'd like to speak with you about equity and excellence
Jenesis Software - Podcast Episode 2 All right, welcome to episode two with Chuck, Eddie, And Benny. And we're doing some technical talk today about network speed on episode two. Let's talk about, guys,
Transcription Founder Interview - Panayotis Vryonis Talks About BigStash Cloud Storage Media Duration: 28:45 Feel free to quote any passage from this interview for your articles. Please reference cloudwards.net
Computer Forensics for Business Leaders: Building Robust Policies and Processes Transcript Part 1: Why Policy Is Key Stephanie Losi: Welcome to CERT's podcast series: Security for Business Leaders. The
What people who attend Linton Sellen s Leadership Training have to say: Excellent course, couldn t have been better. Training content and knowledge and delivery are exceptional. I've been to many management
Breakthrough Lung Cancer Treatment Approved Webcast September 9, 2011 Renato Martins, M.D., M.P.H. Please remember the opinions expressed on Patient Power are not necessarily the views of Seattle Cancer
DIVORCE LAWYER JEREMY SUTTON ON CHILD SUPPORT WITH KARYN HAY Very good thanks very much. Hi and good evening and we'll kick straight into it with your law tonight with Jeremy Sutton who is a family law
Attorneys Outline Texas Water Law Cases Before Supreme Court By David Bowser AMARILLO "It's really turned into an interesting fight," says Marvin "Marty" Jones, an Amarillo lawyer with Sprouse Schrader
I've got a quick question for you If you've been trying to learn to read Tarot, does any of the following sound familiar? "I can't seem to commit the Tarot card meanings to memory. I try, but memorising
Why Don't They Leave? Domestic Violence/Abuse Why don't women/men leave abusive relationships http://www.squidoo.com/abuse Why don't they leave? is a question that those not in such a relationship often
Board Certified - Civil Trial Practice National Board of Trial Advocacy Licensed in Mississippi and Louisiana Law Offices of Paul Snow A Professional Law Corporation 419 S. State Street, Suite A-100 Jackson,
Announcer: Adolescent drug abuse and the impact of the family dynamic. This is Stay Happily Married: Episode #279. Welcome to Stay Happily Married; your source for weekly updates on the latest tips and
Effective Counseling Skills All rights reserved. Daniel Keeran, MSW College of Mental Health Counseling www.collegemhc.com Daniel Keeran, MSW, has been a professional counselor and therapist for over 30
Darlynn Morgan Personal Family Lawyer FREE CONSUMER REPORT Six Major Mistakes To Avoid When Choosing an Estate Planning Attorney Dear Friend, Forgive me for being a bit blunt in this special report I've
MS Learn Online Feature Presentation Rehabilitation Counseling Kurt L. Johnson, PhD Hi I'm Kimball And I'm Kimball. Welcome to MS Learn Online. In this program, we'll be exploring a topic that not many
Credit Repair Kit Easy To Read - Easy To Use Step-By-Step Method How To Clean Your Credit In 60 Days... Or Less! This Guidebook Will Show You How You Can Have Perfect Credit With Very Little Effort FREE
PRE-TOURNAMENT INTERVIEW TRANSCRIPT: Tuesday, January 27, 2015 LYDIA KO MODERATOR: Happy to be joined in the media center by Rolex Rankings No. 2, Lydia Ko. Lydia, you're coming off winning the CME last
Here's Your Free Report... How To Stop Foreclosure! Dear Homeowner, My name is Michael Riley. I am a Real Estate Investor and I can share with you the secrets to saving your home from foreclosure. I have
The Challenge of Helping Adults Learn: Principles for Teaching Technical Information to Adults S. Joseph Levine, Ph.D. Michigan State University email@example.com One of a series of workshop handouts made
Rich Balot On The 5 Things Every CEO Should Focus On Hello, everybody, and welcome. I'm very excited to have our special guest today, Rich Balot. Rich, welcome to the show. Thank you very much. Welcome.
1 DECEMBER WHAT TO DO WHEN THE PLANNED ACTIVITY FALLS APART (or Why You Should Have a Plan B) Music Full then under Welcome, everyone, to our ScoutCast for December. With all the holidays and end-of-the-year
The Millionaire s Seminar Foster Hibbard Dear Friend, My name is Jason from Australia. I discovered Foster Hibbard back in September 2008, when a friend Emailed me this link: http://chazper.files.wordpress.com/2006/06/millionaires-jh.pdf
8 o'clock So you've heard me talk about problems. We've gone through a bunch of different problems, so how about some solutions? Having gone to many court cases, trials and hearings, I've done everything
Proceeding with a divorce action is no different than other major life decisions that start with contemplation information gathering and an understanding of the process involved. Family members friends
HIV AND INSURANCE 1 H I V and Insurance YOUR LEGAL RIGHTS UPDATED MARCH 2014 published by: AIDS Legal Council of Chicago 180 North Michigan Avenue, Suite 2110 Chicago, Illinois 60601 (312) 427.8990 2 AIDS
BBC LEARNING ENGLISH 6 Minute English Is student life all good? NB: This is not a word-for-word transcript Hello and welcome to 6 Minute English. I'm and I'm. Hello. Hello,. You went to university, didn't
'S VAN: AN ACCIDENT STORY PART TWO CHARACTERS: Dan Davis, a 28-yr-old independent construction contractor Tanya, Dan's wife, an assistant manager at Kmart Female recorded voice at Nationwide Richard, a
Podcast Transcription Session 20: Renaud Laplanche Peter Renton: Welcome the Lend Academy Podcast, session number 20. This is your host, Peter Renton, founder of Lend Academy. [music] Peter: So we have
1 1 1 1 0 1 Credit cards versus Debit cards This is Tray Thompson. Today we ll be having our first webinar of the semester, Credit cards versus Debit Cards. As you know we have a Chat feature in this as
Wayne Howell, PLLC ANSWERS TO COMMON BANKRUPTCY QUESTIONS A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This
61 - Fetal Alcohol Spectrum Disorders (FASD): What Everyone Should Know About Alcohol Use During Pregnancy >> Welcome to Good Enough Moms. >> With your co-host, Developmental Psychologist Dr. Marti Erickson
HOW TO SURVIVE GARNISHMENT Todd Murray The Todd Murray Law Firm, PLLC 800 Washington Ave N Suite 704 Minneapolis, MN 55401 (612) 284-4141 firstname.lastname@example.org IMPORTANT INFORMATION PLEASE READ THIS FIRST
Job Interview Questions About You Q. What is your greatest weakness? A. When you're asked what your greatest weakness is, try to turn a negative into a positive. For example, wanting to get things done
MMBA 6530 Week 2, Lecture 1-1 SLIDE 1 Today we're going to be talking about market research. The objectives are that you be able to explain the uses and importance of market research to explain the differences
DEPARTMENT OF JUSTICE Remarks of U.S. Attorney General Janet Reno NATIONAL ASSEMBLY Drugs, Alcohol Abuse, and the Criminal Offender P R O C E E D I N G S Wednesday, December 8, 1999 Omin Shoreham Hotel
1 of 5 24/02/2012 11:08 AM PRINT Q&A: Why Trading Is Nothing Like Playing a Competitive Sport CHARLES E. KIRK AUG 30, 2011 8:00 AM A sports psychologist and in-demand Wall Street trading coach explains