A teen guide to divorce. About this book 1

Size: px
Start display at page:

Download "A teen guide to divorce. About this book 1"

Transcription

1 A teen gude to dvorce About ths book 1

2 In t r o d u c t o n No matter how old you are, dvorce affects everyone n a famly even teenagers. No matter how old you are, dvorce affects everyone n a famly even teenagers. For some teens, ther parents dvorce can come as a bt of a relef. Maybe they ve been fghtng for years, and maybe one parent has even been physcally abusve. You ve known for a long tme that ther marrage was n trouble and the separaton brngs a sense of calm. But for many other teens, the dvorce comes as a total shock. Thngs seemed fne, lke they always were. Maybe your parents were just good at keepng the problems n ther marrage from the kds. Or maybe one of your parents had an affar, or s gong through a mdlfe crss, and so the dvorce comes as a surprse to the other parent too. Ether way, snce teenagers are older and more mature than young chldren, they have a better understandng of the mplcatons of dvorce. Teens also feel the need to shoulder a lot of responsblty, thnkng that maybe they had a hand n ther parents unhappness, or can do somethng to fx t. Most of all, they know that dvorce wll brng bg changes to the famly and wonder: How wll t affect me? Hopefully, your parents wll gve you some nput nto ssues lke where you ll lve and how often you ll see both parents. But the truth s a lot of ths s out of your control. Dvorce s somethng that happens to your parents, not to you. Sure, you re affected by t t can change your whole lfe. But your parents dvorce s ultmately about them, not you. You re not the reason they re splttng up, and there s lttle you can do to change the stuaton. But as much as you can t control the end of your parents marrage, there s a lot you can control about how you and your parents handle the changes that are happenng to your famly. About ths book 2

3 We re Gettng a Dvorce THE FACTS ABOUT DIVORCE How common s dvorce? Marrages are not lastng as long as they dd n the past. In 1979, almost 80 per cent of marred women celebrated ther 15th weddng annversary. By 2004, that had dropped to 57 per cent. Is the dvorce rate gong up? The dvorce rate s actually gong down. In 1990, the dvorce rate was 4.9. (About fve out of every 1,000 people n the U.S. got a dvorce.) By 2004 the dvorce rate was 3.8. (About four people out of every 1,000.) North Carolna s dvorce rate has been droppng too, from 5.1 n 1990 to 4.2 n 2004, whch was about average for the entre Unted States. Average length of a marrage that ends n dvorce: 8 years To parents, dvorce sgnals the end of a troubled marrage. The relatonshp s often over by the tme they separate. They stll have to stay n touch to dscuss mportant decsons about you, but they re free to date other people, get remarred, and even have chldren wth a new partner. But for chldren, dvorce s never over, and hearng that your parents are separatng s just the begnnng of a long journey. Your relatonshp wth your parents never ends. They wll always be your parents even as they grow farther apart and ther lves take dfferent paths. Psychologsts used to thnk that kds got over dvorce pretty quckly. But now most experts beleve that only thng more devastatng than dvorce for a chld s the death of a parent. For kds, dvorce s a long process and adjustng to t can take tme. That s because the dvorce s probably the bggest change you ve ever had to deal wth n your lfe. Everythng seemed totally normal, and now t s all fallng apart. Your parents are splttng up. Maybe you have to leave your famly home, your school, your frends. Wll you lve wth your mom or your dad? What about your brothers or ssters? It can be dffcult to fnd a sense of peace and calm when your famly lfe s constantly evolvng. It s not stable lke t was when t was just you, your parents and maybe brothers and ssters. There are some common changes that most kds have to deal wth when ther parents get dvorced: Number of dvorces n North Carolna n 2007: More than 37,000 CONTINUE a About ths book 3

4 A teen gude to dvorce We re Gettng a Dvorce Cu s t o d y Number of kds lvng wth sngle, separated or dvorced parents n 2007: Nearly 20 mllon. That s nearly 30 per cent of all chldren lvng n the Unted States. More than 3.5 mllon of those were teenagers between the ages of 12 and 17. Of those, more than 7 mllon kds were lvng wth dvorced parents. The rest had parents that were separated, or had never been marred at all. Remarrage: About half of parents who get dvorced wll remarry, although more men remarry than women. Average amount of tme between dvorce and remarrage: 2.5 years. Source : US Census Bureau, Famly and Lvng Arrangements 2007 Custody s one of bggest ssues n dvorce. Most couples are able to work ths out themselves wthout havng to go to court. Even when your parents don t fght over custody, t can be hard for you to accept the arrangement. You mght feel rejected f, for example, your dad decdes you ll lve full-tme wth your mom and see hm on weekends. Usually, your parents are just lookng out for your best nterests. It s not that your dad doesn t want you to lve wth hm. It could be that maybe your mom s stayng n the famly home and your dad knows t would be better for you to stay there too. Sometmes parents can t agree on custody and then they wll have to go to court. As older chldren, you wll usually get to have a say about whch parent you want to lve wth. Ths can be a really stressful stuaton for teens, who feel lke they re caught n the mddle and forced to choose between two parents. A judge wll take your wshes nto consderaton when decdng on custody. But ultmately, the court wll try to decde what s n your best nterest even f t s not exactly what you wanted. In most cases, chldren end up lvng wth ther mother and seeng ther father for regular vsts, lke on weekends or durng the summer. Ths can be a challenge to keep n touch wth your dad f you re suddenly not seeng hm every day lke you used to. It mght mean you have to change around your schedule a lot. For nstance, maybe you re used to hangng out wth your frends on weekends and now you have to go out of town to see your dad. F n a nc e s Maybe you have a part-tme job and have some of your own spendng money, but chances are you re stll dependent on your parents for a lot, and so ther money ssues become your money ssues. About ths book 4

5 A teen gude to dvorce We re Gettng a Dvorce Dvorce can be expensve. Parents have to hre lawyers, dvde property, bank accounts, credt cards. Often one parent has to pay chld support to the other to help cover your expenses. Maybe your parents have to sell the famly home and both move to some place smaller to save money, or one of them moves n wth your grandparents. Maybe your mom had prevously stayed home to rase you and now has to go back to school or get another job to make ends meet. Ths can usually mean more responsblty for you, lke cookng dnner, cleanng the house, or lookng after younger brothers and ssters. For many teens dvorce means you have to grow up faster than you mght lke. Datng and Remarrage Your parents are probably gong to start datng agan at some pont. Seeng your parents datng can be a shock because t ends your hope that maybe they can get back together. It can be werd for teens to see ther parents back on the datng scene, because t s the tme n your lfe when you re probably startng to thnk about relatonshps. It s strange to know you re gong out on a date the same nght as your mom. But t s healthy for her to be able to get away from the pan and gref of dvorce and start searchng for a new partner to share her lfe. Maybe one of your parents has already found a new partner and that s the reason for the dvorce. That can be a really awkward stuaton because you mght feel ths new partner s to blame for the end of your parents marrage. But the reasons for the dvorce are between your parents, and chances are that you don t know all the detals. You don t have to treat ths new partner lke a new mom or new dad. They won t ever replace your parents. But be open to ths new person n your lfe. You may lke them more than you thought you could. About ths book 5

6 Aaron s Story (15 Years Old) When my mom and dad dvorced, I don t remember them ever dscussng ths wth me, but they mght have. All I remember s one day I saw a bunch of boxes around our house. My mom s stuff and my stuff wasn t n the house, I assumed t was n the boxes. I lve wth my mom and go to my dad s on Frday s and come back ether Sunday or Saturday, usually Saturday. Up untl about two years ago, I was OK wth the agreements. That all changed wth, you know, the Becomng a teenager and that knd of stuff parents say. I started feelng lke I never got enough tme wth my dad. Because I never really spent tme wth my dad, the relatonshp s knd of awkward and odd. He treats me lke I m a nne-year-old who s gong to get lost f he wanders lke ten feet away or s lke 20 feet n front of hm on a bke tral. And I m ffteen and have my permt. It s tme for hm to stop dong that. I don t know, but t s real annoyng. My basketball games are a dfferent scenaro. Sometmes he comes, sometmes he doesn t. Usually, he doesn t, because of work, or t s too cy, or whatnot. In the past I would get really upset when he ddn t come. But that stopped last year at the begnnng of my eghth-grade year. I was done cryng over hm not comng. Now, I don t really even tell hm that I have a game. One, because I don t want to hear hs bull---t apology. Two, t just for some reason gets my hopes up hgher. A year and a half ago, my stepmom started havng problems wth alcoholsm. He dvorced her. I was happy, but yet upset. I was happy because I never lked her. It s not that she was lke the evl stepmother lke n Cnderella. She was nce, but I ddn t lke her. Now my dad and hs grlfrend, Brenda, have been lvng together. I lke Brenda lke a lot. She s really nce. But f they were to ever get marred, I couldn t go. Not because of lke: You re too young to go or somethng. I mean lke I couldn t brng myself to go. About ths book 6

7 A teen gude to dvorce Aaron s Story TIDBITS Famous people whose parents dvorced when they were teenagers: * * * * * * * * Rhanna 14 Ashton Kutcher 14 Stephen Spelberg - 16 Johnny Depp 15 Ncolas Cage 12 Hlary Swank 15 Denzel Washngton 14 Rachel Wesz - 15 After gong to [my dad s frst remarrage] and after years of thought, I decded that f he were to get marred agan that I wouldn t go. I couldn t go through wth t agan, no matter what. Even f he begged. I know that beng marred only twce s a small number compared to some kds parents each beng marred lke fve tmes, but they stll hurt the same. I don t know why t would be so hard. It just s. Not to sound lke a seven-year-old, though. It s because I ve seen t once and had my hopes up, but I don t want that to happen agan: Get my hopes up hgh and have them fall twce as low as before. I don t talk to my dad about problems or anythng. Actually, I don t really talk to my mom about them ether unless t just blurts out n front of my mom. What I do s sometmes talk to professonal counsellors n one-on-one chat rooms, because t s anonymous. Sometmes I talk to my younger cousn, who s very understandng. Occasonally, my older cousn, and besdes that, my frends. Common Reactons to Dvorce Everyone has ther own reacton to dvorce. Some teens try to spend as lttle tme at home as possble, preferrng to spend all ther tme wth ther frends. Others want to stay closer to home. Some fnd they can t concentrate at school and stop dong homework, whle others throw themselves nto ther studes. Some get angry and lash out. Others try to pretend lke the dvorce s no bg deal. The truth s dvorce s a bg deal, and all of those reactons are normal. There are unhealthy reactons to dvorce, lke gettng nto drugs or alcohol, runnng away from home, havng sex when you re not ready. But beng angry and confused are natural reactons to dvorce. As a teenager, you re at a stage of your lfe when you re tryng to test boundares, assert your ndependence, and fgure out where you ft nto the world. So worryng about how the dvorce affects you sn t selfsh behavour, t s actually pretty common. About ths book 7

8 A teen gude to dvorce Common Reactons to Dvorce There are some other common reactons. They mght not all apply to you, but they re good to thnk about: Be t r aya l For many teens, home was always a safe and comfortable place. No matter what other turmol s gong on n your lfe pressure at school, fghts wth your frends your famly was always your rock. Now home s where your bggest problems are and your parents are all wrapped up n ther own emotonal turmol. You mght even have to leave the home you ve known all your lfe. Ths can shake the foundaton under your feet and leave you feelng betrayed by your parents. Often marrages break up because one parent has cheated on the other. That can feel lke a betrayal too. But t s mportant to understand that your parents stll love you and that they re not dong ths to hurt you. Even f your mom cheated on your dad, ths s somethng between your parents. She ddn t cheat on you, she s stll your mom and she stll loves you. Gu lt Whle most teens know that they aren t the reason ther parents broke up, they can t help but feel that they were somehow at fault - especally f your parents sometmes fought over you. It bears repeatng: The dvorce s not your fault. Nothng you could have done would have changed what happened to your parents relatonshp. There s probably lttle you can do to fx ther broken marrage. A couple who has a strong relatonshp can weather any of the challenges ther kds throw at them. If they had a good marrage, they probably wouldn t be dsagreeng about you n the frst place. About ths book 8

9 A teen gude to dvorce Common Reactons to Dvorce Dvded loyaltes Many teens feel lke they are forced to choose between ther parents. Ths can happen when parents are fghtng over custody. But t can also happen f your parents get remarred. And chances are at least one of them wll. It can make you feel bad for your mom to know that your dad s datng agan. Even as you grow up, you may feel lke you constantly have to choose between your parents, or play medator at specal events at holdays, graduaton, weddngs. If your parents can t be n the same room together wthout fghtng, you mght not even bother nvtng them to see your band concert, or basketball game because you ll be too worred about how they ll act when they get there. Confused about relatonshps Adolescence s a tme when you re startng to look for ndependence, test boundares, fnd out a bt more about who you are. You re startng to thnk about romantc relatonshps. It s probably a tme when you look to your parents as role models for how a relatonshp should be. That can be tough when ther marrage s breakng down and they re probably the least attentve to your needs because they re all wrapped up n ther own emotons. It s easy to look at your parents problems and queston your own ablty to be n a commtted relatonshp. But your parents marrage s thers and thers alone. You make your own choces n lfe and you have plenty of tme to make them. Just because your parents marrage faled doesn t mean you ll fal at relatonshps. Many chldren of dvorce say ther parents problems made them work harder on ther own romantc relatonshps. At your age, you have lots of tme to try on dfferent relatonshps and see f they ft. If one doesn t work out, t doesn t mean you re destned to fal at love. About ths book 9

10 Mstakes Your Parents Make When you were younger, your parents probably seemed all-powerful. They controlled everythng n your lfe: From what you ate, to your clothes, to what tme you went to bed. Now that you re a bt older and have a bt more ndependence, you ve probably fgured out that your parents are only human. And humans sometmes make mstakes. Parents gong through the turmol of dvorce don t always recognze that they re hurtng ther chldren. They often thnk that teenagers are so tuned out they thnk you don t notce, or don t care, about what s gong on n ther marrage. Sometmes parents wll do thngs that are completely uncool wth ther kds because they re gong through bascally a gref process, sad Jennfer Coleman, Lfe Transton Coach wth Rosen Law Frm. They re sufferng a relatonshp loss. They re not always thnkng clearly. I don t thnk any parent for the most part would ever do anythng wllngly to hurt ther kds, but sometmes when they re caught up n ther own pan, they relate to them n ways that can be damagng. Here are some mstakes that parents often make: Badmouth the other parent Unfortunately, one of the most common ways for parents to get back at each other after a dvorce s to do t through ther kds. Ths can be your mom remndng you every chance she gets that your dad cheated on her. Or maybe your dad complans about how much chld support he pays your mom. That s not far and t s hurtful for you snce you love both your parents. It can ht at a deeper level too - maybe you see some of your dad n yourself and when your mom ponts out negatve thngs about your dad, t can feel lke she s rejectng you too. Your parents mght be nsecure about how much you love them and want to try to gan your loyalty by turnng you aganst the other parent. But ther behavour can leave you strugglng wth your loyaltes even more. About ths book 10

11 A teen gude to dvorce Mstakes Your Parents Make Use y o u a s a mes senger a n d a spy Your parents marrage may be over, but ther relatonshp sn t totally fnshed the mnute they fle for dvorce. Usually there are stll some unfnshed feelngs. Maybe one parent ddn t even want to get dvorced and stll wants to get back together. Chances are, they re stll curous about the other parent and want to keep tabs on them. And they ll often use ther kds to send those messages. Ths can mean your dad askng you questons about who your mom has been datng. Or your mom sayng: Tell your father he s late wth the chld support payment. These are conversatons they need to have wth each other. But they mght not want to confront the other person drectly, so they try to go through you. It s knd of lke how you mght be tempted to read your ex-boyfrend s e-mal, or ask hs frends who he s been hangng out wth. You want to fnd out what s gong on wth them, but you don t want to ask them yourself, so you do t through other people. But as the chld, you don t want to be n the mddle of your parents problems, and you mght feel lke you re betrayng your mom f you spll the beans on her to your dad. Ths s a no-wn stuaton for you. Br b e r y Another way that parents try to wn ther kds loyalty s by buyng expensve gfts or tryng to be your best frend. For nstance, maybe your dad knows you have a curfew at your mom s, so he lets you stay out as late as you want. Sometme experts call these parents born-agan parents or Dsney Dads because thnk they need to buy your love. Usually, they re nsecure, and thnk f they try to set rules and act lke a strct parent, you ll reject them. About ths book 11

12 A teen gude to dvorce Mstakes Your Parents Make There s a problem where the parents are afrad to parent, sad Deborah Moskovch, author of The Smart Dvorce and a dvorced mom of three teens. They re afrad f they re the custodal parent, my chld mght not want to lve wth me. Or f they re the noncustodal parent they thnk my chld my mght not want to vst. They re afrad to set rules and gudelnes. The thng s that t s temptng to play nto ther nsecurtes because you get stuff out of t. You know your parents are just tryng to buy your love, but you really wanted that Xbox 360. It s easy to manpulate your parents ths way. But s that expensve gft really worth t, f the real reason behnd t s that your dad wanted to wn out over your mom? It mght just leave you wth more gult when you know you re manpulatng your parents, and puttng yourself n the mddle of ther games. Treat you lke a confdante On the other hand, parents can sometmes confde n you too much about how much the other parent hurt them, or how hard ther lfe s now after the dvorce. They re probably feelng sad and lonely need a shoulder to cry on. You re the closest person n ther lfe. Beng a teenager, they thnk you re old enough to have mature adult conversatons about your parents. But no kd, no matter how old you are, wants to hear all the detals of ther parents relatonshp. These are conversatons your parents need to have wth other adults n ther lfe, or a therapst. You can be there to love and support your parents, but you can t shoulder all the responsblty of fxng ther unhappness. Don t vst or cancel vsts Sometmes one parent tres to control the other one by not respectng the vstaton schedule. Ths can be your dad not comng to pck you up for the weekend, or your mom makng plans that keep you from seeng your dad. About ths book 12

13 A teen gude to dvorce Mstakes Your Parents Make It can be really hard when your parents can t respect your schedule. It can feel lke they don t love you, or don t want to see you. Usually parents are dong ths out of ther own nsecurty. Maybe they stll have feelngs for the other parent, and t s hard to see that person every tme they come to pck you up. Maybe they want to punsh the other parent, so they do ths through ther kds. Maybe they feel lke they re not your real parent anymore because you don t lve wth them all the tme. They can feel lke you re slppng away from them and they don t know how to handle t. Vstatons can feel awkward for you, but they re also awkward for your parents and some people react to that by just avodng the stuaton. It s unfar and mmature, but parents aren t always as grown up as they should be. They don t mean to reject you, but t can stll feel lke rejecton. About ths book 13

14 Kayla s Story (14 Years Old) I ve been gong through my parents dvorce for three years. At frst I was gong to lve wth my mom, and then my dad started talkng about thngs that my mom dd that made hm unhappy and a bunch of other thngs that made me dslke my mom. So I told my mom I wanted to lve wth my dad and she went to her room and cred. Then she told me later she ddn t want me lvng wth my dad. My dad told me t would be OK f I wanted to lve wth my mom. But then he turned on me. When I told hm I ddn t care who I wanted to lve wth anymore, he told me that he had spent a bunch of money tryng to get me and that f I lved wth my mom agan, I could never lve wth hm f thngs got bad. Mom has had her share of crap too. She told me that f I lved wth dad then she would have to move out of the house and lve wth her parents because she wouldn t have enough money anymore. My Mom even told me once that she would have klled herself a long tme ago f t wasn t for me. I m not supposed to know what has gone on or has been gong on, 14 or not, I m the chld n the dvorce and I shouldn t even be n the mddle. The thng about lvng wth my dad s I d have to go to a large school. He s n a bg cty whle I m n a lttle town rght now wth my mom. Large Schools scare me now. I m comfortable here wth my Mom, most of the tme. I also have frends here, my counsellor s the best n the state, my school s dear to me, no matter how many posers, jerks, or sexseekng boys are there. I feel lke whatever person I choose, t ll make everyone thnk I m selfsh and I ll feel selfsh. It makes me feel stupd. About ths book 14

15 A teen gude to dvorce Kayla s Story Another thng s that I feel lke my Dad s fckle. He hated cats hs whole lfe. Then after the dvorce he got a cat. He had been out of love wth my mom for 10 years before he fled the dvorce and he already had someone n mnd whom he lked. She has a cat too. He acts very nce to hs grlfrend. I ve never seen hm snap at her. Of course he snaps at me for the lttlest of thngs sometmes. Sometmes I wonder f he does ths because I m actng lke my Mom or somethng. He sad he doesn t want me to become lke Mom. I m tred of tryng not to be one or the other. It stresses me out. I just get tred of tryng and f I notce that I m dong somethng lke my Mom (or my Dad) then I ll see about correctng t later f t becomes a habt. I worry myself sck wth t whenever I do thnk about t, thus I try to shove t to the back of my head and deal wth t another tme. I constantly thnk about graduatng and movng out. It may sound selfsh and I would never do t, but I ve thought about movng up north and not gvng them my phone number for a few months, just to get away. But I don t thnk I d have the heart to. About ths book 15

16 Ho w To Ta l k To Yo u r Pa r e n t s Part of beng a teenager s testng boundares and so your parents are constantly tryng to set rules to keep you from gong too far. But guess what? Parents need boundares too. Sometmes they don t know how to set ther own boundares wth ther teenagers - especally when they re gong through a dvorce. So t s up to you to tell your parents what you need from them and to be clear about what you re comfortable, and not comfortable, dong for them. Be Honest Tell your parents honestly how you re feelng about the dvorce, and how they re handlng t. Gve your parents a chance to be open and honest wth you. Your parents are hurtng too and so t s better not to start the conversaton by blamng or attackng them. Rather than sayng You dd ths... try startng a conversaton wth Ths stuaton makes me feel... You don t have to use those exact words, but talk about how you re feelng and what you re gong through, rather than tryng to put everythng back on them. As much as you re hurtng, your parents are hurtng too and t wll help them to know that you stll love and support them. It s bet ter n o t to k n o w Whle t s OK to ask questons about how the dvorce wll affect your famly, you mght be tempted to ask a bunch of questons to try to fgure out why your parents splt. You want to analyze the stuaton and go through all the reasons and make sense of them. But really, the dvorce s between your parents and t s not mportant for you to know all the detals of what went wrong. The same way that you mght want your parents to gve you a bt of space and prvacy, they need some prvacy too. Ultmately, the mportant thng sn t why they splt up, but how they re handlng the separaton and dvorce. About ths book 16

17 A teen gude to dvorce How To Talk To Your Parents Set your lmts Be clear wth your parents about what you wll and won t do for them. It s OK to set boundares and refuse to put yourself n the mddle. It can be hard to stand up to your parents. But t wll help you and them f you do. It wll also be more powerful comng drectly from you, rather than askng the other parent to speak up on your behalf. Ths means tellng them clearly that you won t relay any more messages for them, or gossp about one parent to another. If your mom has somethng to say to your dad, she should tell hm herself, she shouldn t do t through you. Explan to your parents how much t hurts you to be put n the mddle. How you love both of your parents and you don t want to choose between them, or hear negatve thngs about ether of them. It mght not stop your parents from puttng you n the mddle, but t s mportant to say how you feel and to let your parents be aware so they can realze that what they re dong s hurtng you. You mght have to repeat ths message a few tmes. Parents can be a bt lke pets sometmes: You have to tran them n how to behave. If one of your parents s constantly gong over ntmate detals of the dvorce wth you, they probably need someone to talk to. That person should be another adult - hopefully a neutral and objectve adult. If you thnk one of your parents s havng a really hard tme wth the break-up, suggest that they get help and talk to a counsellor, or an adult a famly member or frend. Tell them that you re here to love and support them, but they need more advce than you re able to gve. On t h e o t h e r h a n d Maybe your ssue s that you don t know what to talk about wth your parents at all. Ths s pretty common when you re spendng tme wth the parent you don t lve wth - for most teens that s ther dad. It can be really strange and awkward to have to vst one of your parents, especally f they lve n a new home, or wth a new partner. You mght not know what to talk about. About ths book 17

18 A teen gude to dvorce How To Talk To Your Parents You can start wth some small stuff. Just tell your dad what s been gong on n your lfe. What s been gong on at school? Are there any classes you enjoy? Or maybe you re strugglng wth one of them. Are you nvolved n any actvtes, lke sports or musc or art? Have you seen any good moves, or started playng any new vdeo games? Not every conversaton has to be deep and meanngful. Mostly your parents just want to stay connected to your lfe. But don t be afrad to talk about the deep stuff too. Even f you no longer lve wth your dad, he s stll your parent and should be there to help you answer the tough questons n your lfe. You can also ask hm the hard questons about how he s dealng wth hs new lfe, or hs new home. Remember that as werd as these conversatons can seem to you, your parents mght be more nervous than you are wonderng what you guys are gong to talk about. It s also mportant to keep some regular contact wth the parent you don t lve wth. Ths can be regular phone calls, even for just 15 mnutes, or by e-mal or webcam or text message. Thnk about t: You text or e-mal your frends dozens of tmes a day. You can probably fnd a few mnutes to text your dad, just to say h or tell hm what s new. Parents apprecate that more than you know and you ll probably feel good about t too. About ths book 18

19 Kat s Story (19 Years Old) I have a pretty unque stuaton. My parents decded to stay n the same house, so my mom was lvng n the basement and my dad kept the master bedroom upstars. I m pretty sure t was to do wth fnances. I don t remember them sttng us down and sayng: Ths s what s happenng. But t was pretty clear that they weren t together anymore because I would start meetng my mom s boyfrend. Then I met my dad s grlfrend. It was confusng. I ddn t really know what was gong on. I found t a lttle embarrassng too, because when my frends were over, I d just have to answer all these questons and t was a stuaton that I ddn t really understand. It was sad at the begnnng, but I saw the fghtng and how they weren t gettng along at all. It was really hard when they were together because they were really verbally abusve to each other. Ther communcaton totally broke down and they d just start yellng at each other and gong crazy and nothng was resolved. So I ddn t really lke them together. They re both happer apart and that s really what counts. My mom had a few dfferent boyfrends. They never measured up to my dad, obvously. My dad s grlfrend, at frst I ddn t lke her at all because she was ths new woman n my dad s lfe. But I warmed up to the dea and fgured t was better. Less fghtng. Less drama. My mom was jealous of my dad s grlfrend sometmes and then she d start gong on about how my dad ths, my dad that. She d go through hs stuff when he wasn t n the house, lke snoopng and paranod and jealous. I would get really angry and really upset and say: Please, stop t. Ths s hurtng me too. If you need to know somethng, just ask hm. I was old enough that I realzed to say that to her. About ths book 19

20 A teen gude to dvorce Kat s Story I ve always been knd of a daddy s grl and t s stll there for me now that they re not together. I ll get nto a fght wth my mom, she s drvng me nuts, she s on my ass all day. So I ll go to my dad for advce because he does know her and he tres to stay neutral. He ll talk to her about t and try to work somethng out wthout me, or tell me ths how we should do t. But my mom s a lttle bt fery about t to, so t s complcated. I wsh they would ve just been more straght-up wth us, lke clearer boundares for ther relatonshp. They probably ddn t have to lve under the same roof for so long. My dad fnally moved out last year. They ddn t have to pretend to be frendly. For someone who s 12, that s really confusng. Why put everyone through that? They hate each other, but now they re gettng along because there are clearer boundares now that my dad lves here and my mom lves there. It helped just knowng that dvorce s pretty common these days. It s not that bg of a deal, especally when they were both so mserable. It s not that bad of a thng for them to not be together. To know that they actually do love you and t s to do wth ther relatonshp and not all of your relatonshp. To know that they separately love you, whether they re together or apart. They both have ther place: you go to your dad for ths, you go to your mom for that. You re stll a famly. Wh e r e To Go Fo r Help If you re really not comfortable talkng to your parents, then you should fnd another adult to confde n. Even f you are able to talk to your parents, t can be good to talk to someone who sn t part of your famly to get a fresh perspectve. A good place to fnd someone s n your school. Most schools have gudance counsellors and they re traned on how to talk to teens about a whole bunch of ssues. They can also refer you to outsde counsellors. You can also ask your parents to help you fnd a therapst to talk to, especally f you re really strugglng wth your feelngs over the dvorce. About ths book 20

21 A teen gude to dvorce Kat s Story If you really don t thnk you need a professonal counsellor, try to fnd another adult n your lfe to talk to, lke a teacher, a grandparent, an aunt or uncle, or one of the parents of your frends. The key s for ths person to be a neutral thrd party and someone whose opnon you respect. You can also talk about your feelngs to your frends. Maybe one of your frends s also the chld of dvorce and knows what you re gong through. Your frends are there to support you and not to judge you. Ot h e r t h n g s y o u c a n d o: Keep a journal. You can wrte down all your feelngs, or just wrte about your day. It helps sometmes to get your feelngs out on paper and you can look back on t years from now and see how far you ve come. If you lke wrtng, you can also try wrtng short stores or plays. If wrtng sn t your thng, fnd an actvty you enjoy. Maybe you re really nterested n art and can express yourself better through drawng than by talkng. Or perhaps you re great a basketball and can work out all your frustratons wth a bt of exercse on the court. Even just gong for a walk can help to clear your head. The pont s to fnd a postve outlet to help you work out all your emotons. Talk to your pets. Sure, your dog doesn t understand what you re sayng and can t offer advce, but he s probably a good lstener and he won t judge you no matter what you say to hm. A lot of people fnd comfort n ther pets. If you don t have a pet, maybe you have a stuffed anmal, or a famlar object lke a book or vdeo game that brngs you some comfort. Go onlne. A lot of teens go on the Internet to fnd communtes of other teenagers where they can share ther stores anonymously and get some feedback. There are some good webstes lsted n the resources chapter at the end of ths gude. However, just be careful about how much personal, dentfyng nformaton you share onlne. It s great to fnd support on the Internet, but you also have to be safe and protect yourself. About ths book 21

22 Re s o u r c e s Bo o k s: No n-fcton The Dvorce Helpbook for Teens by Cyntha MacGregor Teens and Dvorce by Gal B. Stewart Books - Fcton My Not-So-Terrble Tme at the Hppe Hotel by Rosemary Graham. A novel about 14- year-old Tracy, who s dragged by her dad to a summer retreat for teens and ther dvorcng parents. It s based on the author s own experence when she was 12. Twlght by Stephene Meyer - Ths popular teen vampre seres follows Bella, a Junor who moves across the country to stay wth her dad after her mom remarres. It s mostly about Bella s relatonshp wth the mysterous Edward Cullen, but t s also about her relatonshp wth her mom and dad. Mo v e s The Squd and the Whale Based on the drector s personal experence, t follows two brothers through ther parents dvorce. The Ssterhood of the Travellng Pants Four best frends go away for the summer, but stay n touch through a par of jeans that magcally fts all of them. The characters nclude Carmen, who learns her dad s gettng remarred and feels lke an outcast n hs new famly. About ths book 22

23 A teen gude to dvorce Resources TV The Secret Lfe of an Amercan Teenager Centres on Amy Juergens, a pregnant 15-yearold whose parents, Anne and George, are estranged, although her dad stll lves at home n the garage. Once and Agan Ths seres has been off the ar for a few years, but you can stll fnd t on DVD. It was about a mother n the mddle of a dvorce and her romance wth a dvorced dad. It also focused a lot on the par s teenage chldren and how they deal wth ther parents dvorce. On l n e The Secret Lfe of an Amercan Teenager Teenlneonlne.org Teens helpng teens. Not specfcally for dvorce, ths s a great onlne communty, wth dscussons on everythng from relatonshps to famly. There s also a phone lne and lve chat, where you can get advce from other teens. Bllsarena.com - Teen Bll Sears started the webste to deal wth hs parents dvorce. It s been a bt quet lately, but t stll has an actve message board and blog. Kdshealth.org - Ths ste has a separate ste for teens, ncludng a gude to on how to deal wth dvorce. About ths book 23

24 A teen gude to dvorce about ths book about ths book Rosen Law Frm helps dvorcng famles successfully navgate one of lfe s most dffcult chapters. All too often, the dvorce process becomes confrontatonal, chaotc, and vndctve. Rosen Law Frm offers a structured approach that leads to certanty and fnalty. Wth our gudance, clents fnd the dvorce process to be a tme of reflecton and goalsettng whch allows them to learn and grow. Clents emerge from ther nevtable sense of loss feelng confdent they wll fnd a fresh start whle transtonng nto a new phase of ther lves. Rosen Law Frm focuses on servng our clents needs n a number of ways. Our multdscplnary team combnes ts unque sklls to provde a level of servce that s almost mpossble for any sngle professonal to acheve. Our team s traned n and uses a varety of approaches for endng a marrage, ncludng collaboratve dvorce, medaton, lawyerled negotaton, and ltgaton n court when approprate. Ths range of optons allows our clents to choose the path to resoluton that works best for ther famly s specfc stuaton. The experence of dvorce s frequently panful, dscouragng, and flled wth hostlty. These feelngs can be destructve to ongong relatonshps between parents and ther chldren. Recognzng ths, we nspre our clents through our belef that dvorce doesn t need to be a terrble experence. We provde hope as we work toward resolutons that mantan tes and dgnty. For ts success n satsfyng clents, even n the mdst of dvorce, Rosen Law Frm was awarded Metro Magazne s BEST DIVORCE LAW FIRM. Our focus on clent servce has also helped our frm grow nto the largest of ts knd n the state. Rosen Law Frm clents are regularly surveyed to ensure that our hgh standards of servce are mantaned and to determne what else we mght do to mprove. We are extremely proud of the trust placed n us by our clents, who regularly say they would refer us to a frend or famly member. Contents of ths ebook are Copyrght 2009 Rosen Law Frm 4101 Lake Boone Tral, Sute 500 Ralegh, North Carolna Phone: (919) McCullough Drve, Sute 510 Charlotte, North Carolna (704) Fayettevlle Road, Sute 205 Durham, North Carolna Phone: (919) About ths book 24

Financial Mathemetics

Financial Mathemetics Fnancal Mathemetcs 15 Mathematcs Grade 12 Teacher Gude Fnancal Maths Seres Overvew In ths seres we am to show how Mathematcs can be used to support personal fnancal decsons. In ths seres we jon Tebogo,

More information

We assume your students are learning about self-regulation (how to change how alert they feel) through the Alert Program with its three stages:

We assume your students are learning about self-regulation (how to change how alert they feel) through the Alert Program with its three stages: Welcome to ALERT BINGO, a fun-flled and educatonal way to learn the fve ways to change engnes levels (Put somethng n your Mouth, Move, Touch, Look, and Lsten) as descrbed n the How Does Your Engne Run?

More information

Certificate No. 68613082 ONTARIO COURT (PROVINCIAL DIVISION) - versus - PAULO RAPOSO TRANSCRIPT OF PROCEEDINGS

Certificate No. 68613082 ONTARIO COURT (PROVINCIAL DIVISION) - versus - PAULO RAPOSO TRANSCRIPT OF PROCEEDINGS Certfcate No. 686182 ONTARIO COURT (PROVINCIAL DIVISION) HER MAJESTY THE QUEEN - versus - PAULO RAPOSO TRANSCRIPT OF PROCEEDINGS Heard before The Honourable Mr. Justce D. Cooper at Hamlton, Ontaro on Aprl

More information

Marketing Society Awards for Excellence 2013. Employee Engagement Summary. Objective

Marketing Society Awards for Excellence 2013. Employee Engagement Summary. Objective Marketng Socety Awards for Excellence 2013 Employee Engagement Summary Objectve Our objectve was to transform employee engagement and along wth t, the success and proftablty of the frm. We wanted to move

More information

A powerful tool designed to enhance innovation and business performance

A powerful tool designed to enhance innovation and business performance A powerful tool desgned to enhance nnovaton and busness performance The LEGO Foundaton has taken over the responsblty for the LEGO SERIOUS PLAY method. Ths change wll help create the platform for the contnued

More information

1. Math 210 Finite Mathematics

1. Math 210 Finite Mathematics 1. ath 210 Fnte athematcs Chapter 5.2 and 5.3 Annutes ortgages Amortzaton Professor Rchard Blecksmth Dept. of athematcal Scences Northern Illnos Unversty ath 210 Webste: http://math.nu.edu/courses/math210

More information

Types of Injuries. (20 minutes) LEARNING OBJECTIVES MATERIALS NEEDED

Types of Injuries. (20 minutes) LEARNING OBJECTIVES MATERIALS NEEDED U N I T 3 Types of Injures (20 mnutes) PURPOSE: To help coaches learn how to recognze the man types of acute and chronc njures. LEARNING OBJECTIVES In ths unt, coaches wll learn how most njures occur,

More information

Chapter 11 Practice Problems Answers

Chapter 11 Practice Problems Answers Chapter 11 Practce Problems Answers 1. Would you be more wllng to lend to a frend f she put all of her lfe savngs nto her busness than you would f she had not done so? Why? Ths problem s ntended to make

More information

7.5. Present Value of an Annuity. Investigate

7.5. Present Value of an Annuity. Investigate 7.5 Present Value of an Annuty Owen and Anna are approachng retrement and are puttng ther fnances n order. They have worked hard and nvested ther earnngs so that they now have a large amount of money on

More information

Tuition Fee Loan application notes

Tuition Fee Loan application notes Tuton Fee Loan applcaton notes for new part-tme EU students 2012/13 About these notes These notes should be read along wth your Tuton Fee Loan applcaton form. The notes are splt nto three parts: Part 1

More information

Using Series to Analyze Financial Situations: Present Value

Using Series to Analyze Financial Situations: Present Value 2.8 Usng Seres to Analyze Fnancal Stuatons: Present Value In the prevous secton, you learned how to calculate the amount, or future value, of an ordnary smple annuty. The amount s the sum of the accumulated

More information

Thursday, December 10, 2009 Noon - 1:50 pm Faraday 143

Thursday, December 10, 2009 Noon - 1:50 pm Faraday 143 1. ath 210 Fnte athematcs Chapter 5.2 and 4.3 Annutes ortgages Amortzaton Professor Rchard Blecksmth Dept. of athematcal Scences Northern Illnos Unversty ath 210 Webste: http://math.nu.edu/courses/math210

More information

Connectedness and the Emotional Bank Account

Connectedness and the Emotional Bank Account 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.

More information

Working with Youth to Develop Critical Thinking Skills On Sexual Violence and Dating Violence: Three Suggested Classroom Activities

Working with Youth to Develop Critical Thinking Skills On Sexual Violence and Dating Violence: Three Suggested Classroom Activities Working with Youth to Develop Critical Thinking Skills On Sexual Violence and Dating Violence: Three Suggested Classroom Activities The Southern Arizona Center Against Sexual Assault s Rape Prevention

More information

Accommodating each other

Accommodating each other Accommodatng each other Lvng wth other people at unversty s an mportant part of student lfe. UWE Brstol s known for the dversty of our students and for recognzng ther dfferng needs. Sharng wth those who

More information

Texas Instruments 30X IIS Calculator

Texas Instruments 30X IIS Calculator Texas Instruments 30X IIS Calculator Keystrokes for the TI-30X IIS are shown for a few topcs n whch keystrokes are unque. Start by readng the Quk Start secton. Then, before begnnng a specfc unt of the

More information

Answer: A). There is a flatter IS curve in the high MPC economy. Original LM LM after increase in M. IS curve for low MPC economy

Answer: A). There is a flatter IS curve in the high MPC economy. Original LM LM after increase in M. IS curve for low MPC economy 4.02 Quz Solutons Fall 2004 Multple-Choce Questons (30/00 ponts) Please, crcle the correct answer for each of the followng 0 multple-choce questons. For each queston, only one of the answers s correct.

More information

An Alternative Way to Measure Private Equity Performance

An Alternative Way to Measure Private Equity Performance An Alternatve Way to Measure Prvate Equty Performance Peter Todd Parlux Investment Technology LLC Summary Internal Rate of Return (IRR) s probably the most common way to measure the performance of prvate

More information

Parenting. Coping with A Parent s Problem Drug or Alcohol Use. For children. aged 6 to 12

Parenting. Coping with A Parent s Problem Drug or Alcohol Use. For children. aged 6 to 12 Parenting Positively Coping with A Parent s Problem Drug or Alcohol Use For children aged 6 to 12 The information in this booklet is meant to help children who are living with harmful parental drug or

More information

YEAR 7-8 STUDENTS TIS

YEAR 7-8 STUDENTS TIS Cybersafety at Taradale Intermedate School SECTION A CYBERSAFETY AT Taradale Intermedate School CYBERSAFETY USE AGREEMENT YEAR 7-8 STUDENTS TIS The document s comprsed of ths cover page and two sectons:

More information

Simple Interest Loans (Section 5.1) :

Simple Interest Loans (Section 5.1) : Chapter 5 Fnance The frst part of ths revew wll explan the dfferent nterest and nvestment equatons you learned n secton 5.1 through 5.4 of your textbook and go through several examples. The second part

More information

An Overview of Financial Mathematics

An Overview of Financial Mathematics An Overvew of Fnancal Mathematcs Wllam Benedct McCartney July 2012 Abstract Ths document s meant to be a quck ntroducton to nterest theory. It s wrtten specfcally for actuaral students preparng to take

More information

1. Measuring association using correlation and regression

1. Measuring association using correlation and regression How to measure assocaton I: Correlaton. 1. Measurng assocaton usng correlaton and regresson We often would lke to know how one varable, such as a mother's weght, s related to another varable, such as a

More information

Trivial lump sum R5.0

Trivial lump sum R5.0 Optons form Once you have flled n ths form, please return t wth your orgnal brth certfcate to: Premer PO Box 2067 Croydon CR90 9ND. Fll n ths form usng BLOCK CAPITALS and black nk. Mark all answers wth

More information

Lecture 2: Single Layer Perceptrons Kevin Swingler

Lecture 2: Single Layer Perceptrons Kevin Swingler Lecture 2: Sngle Layer Perceptrons Kevn Sngler kms@cs.str.ac.uk Recap: McCulloch-Ptts Neuron Ths vastly smplfed model of real neurons s also knon as a Threshold Logc Unt: W 2 A Y 3 n W n. A set of synapses

More information

Recurrence. 1 Definitions and main statements

Recurrence. 1 Definitions and main statements Recurrence 1 Defntons and man statements Let X n, n = 0, 1, 2,... be a MC wth the state space S = (1, 2,...), transton probabltes p j = P {X n+1 = j X n = }, and the transton matrx P = (p j ),j S def.

More information

Small pots lump sum payment instruction

Small pots lump sum payment instruction For customers Small pots lump sum payment nstructon Please read these notes before completng ths nstructon About ths nstructon Use ths nstructon f you re an ndvdual wth Aegon Retrement Choces Self Invested

More information

FINANCIAL MATHEMATICS

FINANCIAL MATHEMATICS 3 LESSON FINANCIAL MATHEMATICS Annutes What s an annuty? The term annuty s used n fnancal mathematcs to refer to any termnatng sequence of regular fxed payments over a specfed perod of tme. Loans are usually

More information

What is Candidate Sampling

What is Candidate Sampling What s Canddate Samplng Say we have a multclass or mult label problem where each tranng example ( x, T ) conssts of a context x a small (mult)set of target classes T out of a large unverse L of possble

More information

Hollinger Canadian Publishing Holdings Co. ( HCPH ) proceeding under the Companies Creditors Arrangement Act ( CCAA )

Hollinger Canadian Publishing Holdings Co. ( HCPH ) proceeding under the Companies Creditors Arrangement Act ( CCAA ) February 17, 2011 Andrew J. Hatnay ahatnay@kmlaw.ca Dear Sr/Madam: Re: Re: Hollnger Canadan Publshng Holdngs Co. ( HCPH ) proceedng under the Companes Credtors Arrangement Act ( CCAA ) Update on CCAA Proceedngs

More information

Section 2.2 Future Value of an Annuity

Section 2.2 Future Value of an Annuity Secton 2.2 Future Value of an Annuty Annuty s any sequence of equal perodc payments. Depost s equal payment each nterval There are two basc types of annutes. An annuty due requres that the frst payment

More information

Before&After. BAmagazine.com. How to find the. per color. Getting that just-right color is part art, part science. Continued. Perfect color 0453

Before&After. BAmagazine.com. How to find the. per color. Getting that just-right color is part art, part science. Continued. Perfect color 0453 Before&After How to fnd the fec t per color Gettng that just-rght color s part art, part scence. We ll show you. Contnued Contnued Perfect color 0453 Before&After How to fnd the perfect color Hdden n your

More information

DEFINING %COMPLETE IN MICROSOFT PROJECT

DEFINING %COMPLETE IN MICROSOFT PROJECT CelersSystems DEFINING %COMPLETE IN MICROSOFT PROJECT PREPARED BY James E Aksel, PMP, PMI-SP, MVP For Addtonal Informaton about Earned Value Management Systems and reportng, please contact: CelersSystems,

More information

To manage leave, meeting institutional requirements and treating individual staff members fairly and consistently.

To manage leave, meeting institutional requirements and treating individual staff members fairly and consistently. Corporate Polces & Procedures Human Resources - Document CPP216 Leave Management Frst Produced: Current Verson: Past Revsons: Revew Cycle: Apples From: 09/09/09 26/10/12 09/09/09 3 years Immedately Authorsaton:

More information

Related KidsHealth Links

Related KidsHealth Links Grades 9 to 12 Personal Health Series KidsHealth.org/classroom Teacher s Guide This guide includes: Standards Related Links Discussion Questions Activities for Students Reproducible Materials Standards

More information

Big Changes For Your Group s Healthcare

Big Changes For Your Group s Healthcare Bg Changes For Your Group s Healthcare You understand how mportant t s to offer your employees qualty healthcare wthout breakng the budget. Now you have a unque choce for your workforce. Lke you, we re

More information

Help is a tou ch of a button away. Telecare - keeping you safe and independent in your own home. i Personal emergency equipment

Help is a tou ch of a button away. Telecare - keeping you safe and independent in your own home. i Personal emergency equipment Help s a tou ch of a button away Telecare - keepng you safe and ndependent n your own home Personal emergency equpment 24/7 moble response - ncludng a dgnty savng lftng servce Professonal support Welcome

More information

Forecasting the Direction and Strength of Stock Market Movement

Forecasting the Direction and Strength of Stock Market Movement Forecastng the Drecton and Strength of Stock Market Movement Jngwe Chen Mng Chen Nan Ye cjngwe@stanford.edu mchen5@stanford.edu nanye@stanford.edu Abstract - Stock market s one of the most complcated systems

More information

GMA/FPA SmartBrief. ASTA SmartBrief. The premier source of daily news delivered to the desktops of travel agents and executives.

GMA/FPA SmartBrief. ASTA SmartBrief. The premier source of daily news delivered to the desktops of travel agents and executives. GMA/FPA SmartBref ASTA SmartBref The premer source of daly news delvered to the desktops of travel agents and executves. GMA/FPA SmartBref 2011 Meda Kt Subscrber Profle Reach Travel Agency Professonals

More information

Open Adoption: It s Your Choice

Open Adoption: It s Your Choice Open Adoption: It s Your Choice If you re pregnant and thinking about placing your child for adoption (making an adoption plan for your child), you may want to consider open adoption. Ask yourself Read

More information

Time Value of Money. Types of Interest. Compounding and Discounting Single Sums. Page 1. Ch. 6 - The Time Value of Money. The Time Value of Money

Time Value of Money. Types of Interest. Compounding and Discounting Single Sums. Page 1. Ch. 6 - The Time Value of Money. The Time Value of Money Ch. 6 - The Tme Value of Money Tme Value of Money The Interest Rate Smple Interest Compound Interest Amortzng a Loan FIN21- Ahmed Y, Dasht TIME VALUE OF MONEY OR DISCOUNTED CASH FLOW ANALYSIS Very Important

More information

The Greedy Method. Introduction. 0/1 Knapsack Problem

The Greedy Method. Introduction. 0/1 Knapsack Problem The Greedy Method Introducton We have completed data structures. We now are gong to look at algorthm desgn methods. Often we are lookng at optmzaton problems whose performance s exponental. For an optmzaton

More information

She Wants Out Part II. Female gang members are second-class citizens. The guys sometimes throw

She Wants Out Part II. Female gang members are second-class citizens. The guys sometimes throw Carol Adams Huntington Junior College Literary Dictation Material Marked in 20 Word Groups She Wants Out Part II Female gang members are second-class citizens. The guys sometimes throw parties and don

More information

The OC Curve of Attribute Acceptance Plans

The OC Curve of Attribute Acceptance Plans The OC Curve of Attrbute Acceptance Plans The Operatng Characterstc (OC) curve descrbes the probablty of acceptng a lot as a functon of the lot s qualty. Fgure 1 shows a typcal OC Curve. 10 8 6 4 1 3 4

More information

Section 2.3 Present Value of an Annuity; Amortization

Section 2.3 Present Value of an Annuity; Amortization Secton 2.3 Present Value of an Annuty; Amortzaton Prncpal Intal Value PV s the present value or present sum of the payments. PMT s the perodc payments. Gven r = 6% semannually, n order to wthdraw $1,000.00

More information

SCRIPT FOR OUTREACH. Disconnected and Cyber Predators. Introduction. How many of you have your own cell phones or smart phone?

SCRIPT FOR OUTREACH. Disconnected and Cyber Predators. Introduction. How many of you have your own cell phones or smart phone? SCRIPT FOR OUTREACH Disconnected and Cyber Predators Introduction Hello! How is everyone doing today? My name is and I am here with some friends of mine from the American Bar Association Young Lawyers

More information

RESOLUTION IN MEMORY OF THE LATE E.E. BO\ EDWARDS, III. Born in Little Rock, Arkansas September 28, 1943. Admitted to Practice

RESOLUTION IN MEMORY OF THE LATE E.E. BO\ EDWARDS, III. Born in Little Rock, Arkansas September 28, 1943. Admitted to Practice 0001.59 RESOLUTION IN MEMORY OF THE LATE E.E. BO\ EDWARDS III Born n Lttle Rock Arkansas September 28 1943 Admtted to Practce Before the Supreme Court of Tennessee 1971 Ded at Nashvle Tennessee December

More information

Multitone Electronics Plc. delivering certainty

Multitone Electronics Plc. delivering certainty Multtone Electroncs Plc Multtone Electroncs Plc, Multtone House, Shortwood Copse Lane, Basngstoke, Hampshre, RG23 7NL Tel: +44 (0)1256 320292 Fax: +44 (0)1256 462 643 Emal: nfo@multtone.com Web: www.multtone.com

More information

Understanding Mental Illness in Your Family

Understanding Mental Illness in Your Family Understanding Mental Illness in Your Family When Moods Go Up and Down For more information on supporting families with mental illness, please contact: British Columbia Schizophrenia Society 201-6011 Westminster

More information

[live] As young members, most of us didn t come to. World Service Office PO Box 9999 Van Nuys, CA 91409 USA

[live] As young members, most of us didn t come to. World Service Office PO Box 9999 Van Nuys, CA 91409 USA [ ] [live] Copyright 1983, 2008 by Narcotics Anonymous World Services, Inc. All rights reserved. World Service Office PO Box 9999 Van Nuys, CA 91409 USA TEL (818) 773-9999 FAX (818) 700-0700 WEB www.na.org

More information

Section 5.4 Annuities, Present Value, and Amortization

Section 5.4 Annuities, Present Value, and Amortization Secton 5.4 Annutes, Present Value, and Amortzaton Present Value In Secton 5.2, we saw that the present value of A dollars at nterest rate per perod for n perods s the amount that must be deposted today

More information

www.olr.ccli.com Introducing Online Reporting Your step-by-step guide to the new online copy report Online Reporting

www.olr.ccli.com Introducing Online Reporting Your step-by-step guide to the new online copy report Online Reporting Onlne Reportng Introducng Onlne Reportng www.olr.ccl.com Your step-by-step gude to the new onlne copy report Important nformaton for all lcence holders No more software to download Reportng as you go...

More information

WHERE DO I STAND? A child s legal guide to separation and divorce.

WHERE DO I STAND? A child s legal guide to separation and divorce. WHERE DO I STAND? A child s legal guide to separation and divorce. INTRODUCTION This is a pamphlet for children whose parents separate or divorce. Separation or divorce is the result of problems between

More information

Using a divorce lawyer: Ten helpful tips

Using a divorce lawyer: Ten helpful tips Using a divorce lawyer: Ten helpful tips www.legalombudsman.org.uk There are many things to think about when going through a divorce. It s likely to mean changes to who you live with, maybe where you live,

More information

The program for the Bachelor degrees shall extend over three years of full-time study or the parttime equivalent.

The program for the Bachelor degrees shall extend over three years of full-time study or the parttime equivalent. Bachel of Commerce Bachel of Commerce (Accountng) Bachel of Commerce (Cpate Fnance) Bachel of Commerce (Internatonal Busness) Bachel of Commerce (Management) Bachel of Commerce (Marketng) These Program

More information

Finite Math Chapter 10: Study Guide and Solution to Problems

Finite Math Chapter 10: Study Guide and Solution to Problems Fnte Math Chapter 10: Study Gude and Soluton to Problems Basc Formulas and Concepts 10.1 Interest Basc Concepts Interest A fee a bank pays you for money you depost nto a savngs account. Prncpal P The amount

More information

WHY DO WE GET ANGRY? EVERYONE FEELS ANGRY SOMETIMES

WHY DO WE GET ANGRY? EVERYONE FEELS ANGRY SOMETIMES FEELING ANGRY? WHY DO WE GET ANGRY? There are lots of things that can make us angry. Here are a few examples... EVERYONE FEELS ANGRY SOMETIMES It s normal and healthy to get angry when there is a good

More information

Vembu StoreGrid Windows Client Installation Guide

Vembu StoreGrid Windows Client Installation Guide Ser v cepr ov dered t on Cl enti nst al l at ongu de W ndows Vembu StoreGrd Wndows Clent Installaton Gude Download the Wndows nstaller, VembuStoreGrd_4_2_0_SP_Clent_Only.exe To nstall StoreGrd clent on

More information

Everything You Need To Know About Middle School. This planning guide belongs to:

Everything You Need To Know About Middle School. This planning guide belongs to: Everything You Need To Know About Middle School This planning guide belongs to: 1 Table of Contents What Happens in Middle School? Page 3 What to Expect Page 4 How to be a Self-Directed Student Page 5

More information

MIDDLE SCHOOL TRANSITION PORTFOLIO GUIDE

MIDDLE SCHOOL TRANSITION PORTFOLIO GUIDE MIDDLE SCHOOL RANSIION ORFOLIO GUIDE q 6th Grade q 7th Grade q 8th Grade Dagnostc Center Northern Calforna Acknowledgments he mportance of preparng students for adulthood and as productve ctzens can never

More information

Support Vector Machines

Support Vector Machines Support Vector Machnes Max Wellng Department of Computer Scence Unversty of Toronto 10 Kng s College Road Toronto, M5S 3G5 Canada wellng@cs.toronto.edu Abstract Ths s a note to explan support vector machnes.

More information

EXTENDED FUNERAL COVER USER GUIDE AND CONTRACT

EXTENDED FUNERAL COVER USER GUIDE AND CONTRACT EXTENDED FUNERAL COVER USER GUIDE AND CONTRACT CONTENTS FAMILY FUNERAL COVER Provdng a dgnfed funeral 1 Structure 2 How does t work? 3 1 STEP 1: WHO CAN YOU INSURE? Who can you nsure? 5 Watng perods 9

More information

www.gov.uk/studentfinance 2016/17

www.gov.uk/studentfinance 2016/17 www.gov.uk/studentfnance SECTION 1 WHAT SUPPORT CAN YOU GET? FEES, LOANS, GRANTS & MORE *Fgures shown n ths secton are based on the 2015/16 student fnance polcy and may change SECTION 1 TUITION FEES AND

More information

14.74 Lecture 5: Health (2)

14.74 Lecture 5: Health (2) 14.74 Lecture 5: Health (2) Esther Duflo February 17, 2004 1 Possble Interventons Last tme we dscussed possble nterventons. Let s take one: provdng ron supplements to people, for example. From the data,

More information

Uncrystallised funds pension lump sum payment instruction

Uncrystallised funds pension lump sum payment instruction For customers Uncrystallsed funds penson lump sum payment nstructon Don t complete ths form f your wrapper s derved from a penson credt receved followng a dvorce where your ex spouse or cvl partner had

More information

ROLES TO ASSIGN. 1. Judge. 2. Courtroom Deputy. 3. Prosecutor 1 opening statement. 4. Prosecutor 2 direct of Dana Capro

ROLES TO ASSIGN. 1. Judge. 2. Courtroom Deputy. 3. Prosecutor 1 opening statement. 4. Prosecutor 2 direct of Dana Capro ROLES TO ASSIGN 1. Judge 2. Courtroom Deputy 3. Prosecutor 1 opening statement 4. Prosecutor 2 direct of Dana Capro 5. Prosecutor 3 direct of Jamie Medina 6. Prosecutor 4 cross of Pat Morton 7. Prosecutor

More information

How you and. Driver Zone. your car react in a crash We all try to avoid accidents, be that whilst driving, at home or in the workplace.

How you and. Driver Zone. your car react in a crash We all try to avoid accidents, be that whilst driving, at home or in the workplace. Drver Zone How you and your car react n a crash We all try to avod accdents, be that whlst drvng, at home or n the workplace. But accdents happen, they re unplanned, and an accdent n a car can often be

More information

benefit is 2, paid if the policyholder dies within the year, and probability of death within the year is ).

benefit is 2, paid if the policyholder dies within the year, and probability of death within the year is ). REVIEW OF RISK MANAGEMENT CONCEPTS LOSS DISTRIBUTIONS AND INSURANCE Loss and nsurance: When someone s subject to the rsk of ncurrng a fnancal loss, the loss s generally modeled usng a random varable or

More information

For parents and carers of children with autism

For parents and carers of children with autism For parents and carers of children with autism The NSPCC helps parents and carers talk to their children about staying safe. It s part of our work to prevent abuse from happening to any child. And it

More information

21 Vectors: The Cross Product & Torque

21 Vectors: The Cross Product & Torque 21 Vectors: The Cross Product & Torque Do not use our left hand when applng ether the rght-hand rule for the cross product of two vectors dscussed n ths chapter or the rght-hand rule for somethng curl

More information

Sample Process Recording - First Year MSW Student

Sample Process Recording - First Year MSW Student Sample Process Recording - First Year MSW Student Agency: Surgical Floor, City Hospital Client System: Harold Harper, age 68, retired widower Date: November 18, 20xx Presenting Issues: Cardiologist observed

More information

A PARENT S GUIDE TO CPS and the COURTS. How it works and how you can put things back on track

A PARENT S GUIDE TO CPS and the COURTS. How it works and how you can put things back on track A PARENT S GUIDE TO CPS and the COURTS How it works and how you can put things back on track HOW YOU CAN USE THIS HANDBOOK We hope that this handbook will be easy for you to use. You can either read through

More information

Mental Health Role Plays

Mental Health Role Plays Mental Health Role Plays Goals: To discuss various mental health issues and mental illnesses. To discuss stigma, support and treatment options surrounding mental health issues and mental illnesses. Requirements:

More information

1. How many children in America have an alcoholic parent? One in four people under 18 lives in a family hurt by alcoholism.

1. How many children in America have an alcoholic parent? One in four people under 18 lives in a family hurt by alcoholism. Life with an Alcoholic Mom or Dad Grades 5-8 Objectives Students will learn about the common problems and feelings of youth living in families hurt by alcoholism. Students will learn important messages

More information

IMPACT ANALYSIS OF A CELLULAR PHONE

IMPACT ANALYSIS OF A CELLULAR PHONE 4 th ASA & μeta Internatonal Conference IMPACT AALYSIS OF A CELLULAR PHOE We Lu, 2 Hongy L Bejng FEAonlne Engneerng Co.,Ltd. Bejng, Chna ABSTRACT Drop test smulaton plays an mportant role n nvestgatng

More information

Skills for Adolescence unit 6, Lesson 10

Skills for Adolescence unit 6, Lesson 10 Skills for Adolescence unit 6, Lesson 10 Unit 6, Lesson 10 STANDING UP TO PRESSURE TO USE DRUGS IN THIS LESSON Studies show that drug use jumps significantly between grades six and seven, making it likely

More information

A Master Time Value of Money Formula. Floyd Vest

A Master Time Value of Money Formula. Floyd Vest A Master Tme Value of Money Formula Floyd Vest For Fnancal Functons on a calculator or computer, Master Tme Value of Money (TVM) Formulas are usually used for the Compound Interest Formula and for Annutes.

More information

An Interest-Oriented Network Evolution Mechanism for Online Communities

An Interest-Oriented Network Evolution Mechanism for Online Communities An Interest-Orented Network Evoluton Mechansm for Onlne Communtes Cahong Sun and Xaopng Yang School of Informaton, Renmn Unversty of Chna, Bejng 100872, P.R. Chna {chsun,yang}@ruc.edu.cn Abstract. Onlne

More information

express why choose Interlink Express? invest in your future

express why choose Interlink Express? invest in your future I nt er l nke x pr es spa r c el sl m t ed sas ubs da r yofdpdgr oupukl m t ed express nvest n your future why choose Interlnk Express? If you re consderng becomng a franchse holder wth one of the UK s

More information

Life After Bankruptcy. By Jason Amerine

Life After Bankruptcy. By Jason Amerine Life After Bankruptcy By Jason Amerine Bankruptcy: A Fresh Start for You Every day I have clients ask me about what life might be like after bankruptcy, and perhaps you re feeling that way, too. Sure,

More information

8.4. Annuities: Future Value. INVESTIGATE the Math. 504 8.4 Annuities: Future Value

8.4. Annuities: Future Value. INVESTIGATE the Math. 504 8.4 Annuities: Future Value 8. Annutes: Future Value YOU WILL NEED graphng calculator spreadsheet software GOAL Determne the future value of an annuty earnng compound nterest. INVESTIGATE the Math Chrstne decdes to nvest $000 at

More information

Health & Wellbeing Courses

Health & Wellbeing Courses Health & Wellbeng Courses For ndvduals workng n statutory and voluntary organsatons promotng health and wellbeng November 2014 to June 2015 Publc Health Tranng Programme Contents The Health and Wellbeng

More information

A Time to Tell Troop Meeting Guide

A Time to Tell Troop Meeting Guide A Time to Tell Troop Meeting Guide Using This Guide The video A Time to Tell shows several strategies child molesters use to attempt sexual molestation. In addition, one scenario introduces bullying as

More information

Seven Things You Must Know Before Hiring a Real Estate Agent

Seven Things You Must Know Before Hiring a Real Estate Agent Seven Things You Must Know Before Hiring a Real Estate Agent Seven Things To Know Before Hiring a Real Estate Agent Copyright All Rights Reserved 1 Introduction Selling a home can be one of the most stressful

More information

CERTIFICATION PROGRAMS YOU ARE INVITED TO JOIN THE INDUSTRY ELITE

CERTIFICATION PROGRAMS YOU ARE INVITED TO JOIN THE INDUSTRY ELITE CERTIFICATION PROGRAMS YOU ARE INVITED TO JOIN THE INDUSTRY ELITE ASA delvers four prestgous certfcaton programs Certfed Staffng Professonal The CSP program features rgorous content focused on employment

More information

Do you plan to attend college, vocational, or trade school when you graduate? (Circle one): (A) yes (B)no

Do you plan to attend college, vocational, or trade school when you graduate? (Circle one): (A) yes (B)no (PLEASE PRINT) Name (first & last): Connections: Relationships and Marriage Posttest Address (street) (city) (zip) Telephone: - - Date: / / Do you plan to attend college, vocational, or trade school when

More information

1.1 The University may award Higher Doctorate degrees as specified from time-to-time in UPR AS11 1.

1.1 The University may award Higher Doctorate degrees as specified from time-to-time in UPR AS11 1. HIGHER DOCTORATE DEGREES SUMMARY OF PRINCIPAL CHANGES General changes None Secton 3.2 Refer to text (Amendments to verson 03.0, UPR AS02 are shown n talcs.) 1 INTRODUCTION 1.1 The Unversty may award Hgher

More information

Part 3 focuses on ways families can help keep teens from using or abusing alcohol and tobacco.

Part 3 focuses on ways families can help keep teens from using or abusing alcohol and tobacco. W Part 3: Alcohol and Tobacco Rules Are Family Matters elcome to Part 3 of FAMILY MATTERS Alcohol and Tobacco Rules Are Family Matters. FAMILY MATTERS is a program to help families prevent young teens

More information

Vision Mouse. Saurabh Sarkar a* University of Cincinnati, Cincinnati, USA ABSTRACT 1. INTRODUCTION

Vision Mouse. Saurabh Sarkar a* University of Cincinnati, Cincinnati, USA ABSTRACT 1. INTRODUCTION Vson Mouse Saurabh Sarkar a* a Unversty of Cncnnat, Cncnnat, USA ABSTRACT The report dscusses a vson based approach towards trackng of eyes and fngers. The report descrbes the process of locatng the possble

More information

Club Accounts. 2011 Question 6.

Club Accounts. 2011 Question 6. Club Accounts. 2011 Question 6. Anyone familiar with Farm Accounts or Service Firms (notes for both topics are back on the webpage you found this on), will have no trouble with Club Accounts. Essentially

More information

Pre-entry Review. Industry Applications. NESUG '96 Proceedings 330

Pre-entry Review. Industry Applications. NESUG '96 Proceedings 330 ndustry Applcatons THE ROLE OF SAS PROGRAMMERS N CLNCAL TRAL DATA ANALYSS Mng Wang ndependent SAS Consultant Abstract Ths artcle shows n-depth the role of SAS programmers n clncal tral data analyss. t

More information

Heroin Epidemic: A Mother's Plea To Parents

Heroin Epidemic: A Mother's Plea To Parents Dear Friends, In the first 3 months of 2014, 13 heroin deaths occurred in Bergen County, New Jersey. Bergen County is one of 21 counties in New Jersey. It didn't begin with heroin. The following is a gut

More information

MITI Coding: Transcript 5

MITI Coding: Transcript 5 1 MITI Coding: Transcript 5 T: Randy, thanks for coming in today. I wonder if it would be ok if I shared just a few facts with you that I ve gotten from the intake worker. And then we can go on to talk

More information

-167- Captain Enright is DSC Program Project Manager, Defense Communications Agency, Washington, D.C.

-167- Captain Enright is DSC Program Project Manager, Defense Communications Agency, Washington, D.C. C:.. DSCS PTT TRANSFER by Capt R.E. Enrght Captan Enrght s DSC Program Project Manager, Defense Communcatons Agency, Washngton, D.C. Ths wll be a dscusson on the background and the future of the Defense

More information

Seven Things You Must Know Before Hiring a Divorce Lawyer

Seven Things You Must Know Before Hiring a Divorce Lawyer Seven Things You Must Know Before Hiring a Divorce Lawyer Introduction Divorce is a stressful time for everyone. Whether you ve been together for 3 months or 30 years, it s important that you follow through

More information

VRT012 User s guide V0.1. Address: Žirmūnų g. 27, Vilnius LT-09105, Phone: (370-5) 2127472, Fax: (370-5) 276 1380, Email: info@teltonika.

VRT012 User s guide V0.1. Address: Žirmūnų g. 27, Vilnius LT-09105, Phone: (370-5) 2127472, Fax: (370-5) 276 1380, Email: info@teltonika. VRT012 User s gude V0.1 Thank you for purchasng our product. We hope ths user-frendly devce wll be helpful n realsng your deas and brngng comfort to your lfe. Please take few mnutes to read ths manual

More information

Lecture 3: Annuity. Study annuities whose payments form a geometric progression or a arithmetic progression.

Lecture 3: Annuity. Study annuities whose payments form a geometric progression or a arithmetic progression. Lecture 3: Annuty Goals: Learn contnuous annuty and perpetuty. Study annutes whose payments form a geometrc progresson or a arthmetc progresson. Dscuss yeld rates. Introduce Amortzaton Suggested Textbook

More information

SPECIALIZED DAY TRADING - A NEW VIEW ON AN OLD GAME

SPECIALIZED DAY TRADING - A NEW VIEW ON AN OLD GAME August 7 - August 12, 2006 n Baden-Baden, Germany SPECIALIZED DAY TRADING - A NEW VIEW ON AN OLD GAME Vladmr Šmovć 1, and Vladmr Šmovć 2, PhD 1 Faculty of Electrcal Engneerng and Computng, Unska 3, 10000

More information

Young people and drugs

Young people and drugs Young people and drugs Many parents worry about whether their son or daughter is taking illegal drugs, how they can tell, and what to do about it. While there s a lot of concern about illegal drugs in

More information

Updating the E5810B firmware

Updating the E5810B firmware Updatng the E5810B frmware NOTE Do not update your E5810B frmware unless you have a specfc need to do so, such as defect repar or nstrument enhancements. If the frmware update fals, the E5810B wll revert

More information