What is a No-Fault Divorce?

The most common line attached to the end of a famous marriage is “irreconcilable differences.” We’ve all heard it, but what does it mean?

It’s important to find that out because, for so many people considering a first divorce, the exact process can be mystifying. Most people who have been divorced don’t talk much about it, so when someone finds themselves in the midst of a situation that may call for a divorce, they often don’t know how to proceed other than that they will need a lawyer.

So, to help clarify things a little, I’d like to explain what “irreconcilable differences” actually means. That term really refers to what is called a no-fault divorce. To understand what that means, it’s worth going through what a fault divorce is.

Before no-fault divorces became legal across the country, to get divorced someone in the marriage had to have a fault. That could be adultery, abuse, or neglect. That need for a fault led parties to lie or exaggerate to get out of marriages, and since courts often favored the aggrieved person with property and other assets, that meant someone who simply had “irreconcilable differences” with the other person could find themselves punished for not cooking up the best story to sell to the courts.

Now that no-fault divorces are available everywhere, they are the preferred form of divorce in cases where no abuse or serious infringements took place. That usually leads to a “fair and equitable” division of assets, which means trying to keep things equal and reasonable for both people.

The fact there is no fault doesn’t mean a divorce won’t still be acrimonious. We’ve all seen scenes in movies where both parties are trying to decide how to divide up assets. Such scenes can get pretty nasty in the movies and in real life. But the point is, an effort is made to keep things fair for everyone no matter how much the two people don’t like each other.

Divorces are complicated. Just look at the list of potential issues on this family law page. If there has been no abuse, why add another level of complexity to the whole proceedings?

That’s why no-fault divorces have become the standard across the country. In fact, some states don’t even recognize fault divorces anymore.

If you are a person preparing for a divorce, remember that “irreconcilable differences” doesn’t have to be a joke term that means you are flighty and just don’t like how someone brushes their teeth. This term is really used to cover all manner of issues, including some of those that used to be labeled in fault divorces. “Irreconcilable differences” doesn’t mean you have to share everything or share custody of your kids. Those issues can still be worked out in the divorce itself. It simply means one person (and it only has to be one) wants out of the marriage.

Essentially, it’s the easiest path forward to end a marriage, which is why it is so popular.


The benefits of planting trees and proper tree care

Fall is a little different in Texas than in most other states, and it often gets a late start. Even though the temperature is still high and people are still headed to the beaches, fall is the perfect time to begin planting trees around your home. Planting saplings in your yard can be a fun way to teach children about how useful they are to the ecosystem, but you should also consider planting some new, full grown trees as well. Although planting adult trees in your yard is fairly costly and can take a little bit more work, there are enormous benefits to doing so.

Why should you bother planting trees? According to this blog on the Huffington Post, there are economic as well as psychological benefits to planting trees on your property. Roger Ulrich, the director of the Center for Health Systems and Design at Texas’ very own A&M University, found that patients who stayed in hospital rooms with windows overlooking trees had faster recovery times than those who had windows that didn’t overlook trees or those who didn’t have a window at all. In addition, in a study by W.C. Sullivan, Ph.D., it was found that there was a correlation between the number of trees planted around urban housing developments and the level of violence the residents reported occurred in their homes. In housing developments with a lot of trees, the residents reported that they used more thoughtful reasoning when addressing their conflicts. Besides the benefits to mental health, planting trees can also help save on energy costs. The Huffington Post article cites U.S. forest service data that claims shade trees can reduce your air conditioning bill by up to 56% and that wind blocking trees can save you up to 3% on heating costs. In addition, planting nice looking trees in your yard can raise your property value. More trees can also attract local wildlife to your yard, like songbirds, rabbits, and deer.

Of course, all of the evidence for the psychological benefits of planting trees is only based on correlations, so it could easily be the case that these results are actually caused by other factors. However, it is difficult to argue with the hard economic data. Even if you live in a very temperate portion of the United States, planting more trees can combat climate change and reduce your carbon footprint. And you don’t have to figure out how to do it alone; tree specialists like the ones here can even help you determine where to place your trees for maximum value.

The world population is still rising, and deforestation and climate change are challenges our generation will have to address. If the health and economic benefits listed above do not convince you to plant some more trees on your property, maybe the prospect of ensuring many future generations of humans to come will be able to enjoy this beautiful creation of nature will.


Types of Personal Bankruptcy

Reduction in income, loss of job, divorce, medical expenses due to injury or illness which can cause you days of absence from work, aside from the possibility of you not having insurance coverage, can all result to failure (on your part) to settle your monthly financial obligations like payment of utility bills, mortgage, car loan, personal loans to friends and family, credit card bills, and so forth. Problems, however, do not end here for, before you realize it, your debts would have increased to an amount that would be impossible to settle, considering your financial situation. This will soon be followed by phone calls, emails, text messages and even notices of lawsuits – tactics used by creditors and collecting firms to force you to pay your debts.

If you can no longer meet your obligations to your creditors and lenders, know that you have the ability to free yourself from all or a part of your debts – this is stipulated under the U.S. Constitution. This ability is made possible by filing for bankruptcy, one of the legal means introduced by the government through which individuals and business firms can free themselves from overwhelming debts for a chance at regaining control over their finance. The Bankruptcy Law or Bankruptcy Code was made into law by the U.S. Congress in 1978; it contains various chapters, each designed to address individuals’ and businesses’ specific financial situations.

By the end of 2015, the U.S. Bankruptcy Courts said that 844,495 cases of bankruptcy were filed in the U.S. Under Chapter 7 bankruptcy, the chapter most commonly filed, there were 535,047 cases; Chapter 13 had 301,705 case; and, Chapter 11 had 7,241 cases filed under it.

Chapter 7 or Chapter 13 of the Bankruptcy Code are the specific chapters that you may choose if you need to file for personal bankruptcy. Chapter 7, specifically, allows you to have all or part of your debts discharged, after you repay some of the debts using your liquid assets.

Liquid assets, which are considered as non-exempt assets, are assets that can quickly be converted into cash, such as savings and checking accounts. Besides these, there may also be a need for you to surrender some of your non-exempt properties, like a second house or a vacation house, some jewelry, another car, etc., to a court-appointed trustee who will take charge in the selling of your surrendered properties and in paying your non-dischargeable debts to your creditors.

To be able to file Chapter 7 bankruptcy, however, you will first have to pass a means test. This test is designed to make sure that your income does not exceed the limit set under this chapter. Failing the means test may disqualify you from filing for bankruptcy under Chapter 7, but not for bankruptcy under Chapter 13.

Chapter 13 allows you to design a three-year, or five-year (if allowed by the courts) payment proposal during which time you can settle you debts. This is to make debt payments more affordable for you. Many individuals decide to file under Chapter 13 instead of under chapter 7 because under the latter, they will not be required to surrender any of their assets or properties. If they are operating a business, they will also be allowed to continue operations, a benefit not included under Chapter 7. Chapter 13, however, requires that the amount of your secured debt does not exceed $922,975 and your unsecured debt, not more than $307,675.

Personal bankruptcy protection can be a powerful tool in preventing creditor harassment, repossession and foreclosure, and other challenges that serious debt problems can cause.


Stress and Depression

Stress is a regular part of life that every individual has experienced at one point or another, whether it is a negative or positive experience causing it. Regardless of whether you are starting a new job or dealing with a break up, stress is a normal reaction to certain situations. However, many people can find themselves unable to deal with stress in a healthy and positive way, leading to more serious problems such as depression. Despite the public stigma surrounding depression, approximately 7% of all adults suffer from depression, according to The Solace Center, which many times can be brought on by chronic stress.

Stress can be triggered by all things from getting a promotion to the death of a loved one. However, it becomes chronic stress when after the situation has passed or become more bearable, high levels of stress remains. Stress can lead to a more negative mood overall and seclusion from loved ones and friends, all of which can trigger depression. Stress can also disrupt an individual’s normal day-to-day routine or make activities less enjoyable. When an individual deals with high levels of stress, not only can they be affected, but their relationships can begin to suffer as well. All of these situations can make an individual more susceptible to depression as a result of stress.

Treatment for stress-related depression can be hard for individuals to seek, as many believe that frequent stress is just a part of life. However, when these feelings of stress last and begin to affect you everyday life and mood, you may be experiencing depression. Seeking treatment for depression, which may include therapy and medication, can help individuals take control of not only their stress, but their lives as well.


Why is it Always a Miss?

So, that was your last round of ammunition, and you didn’t even manage to hit the paper! Not hitting your target even after many attempts can be so discouraging. To help you regain your confidence, here are the possible reasons why you are constantly missing your target, and the things you can do about it.

Improper handling

Before you consider bringing your rifle back to its manufacturer, check first if you are firing the gun the way it should be fired. Improper handling is one of the most common causes of a target miss. However, if you believe you’re a pro and are confident enough with your marksmanship skills, try using different ammo. If you get better results, chances are the problem is not you.

Inaccurate scopes and sights

Some gun stores conduct and local gun clubs conduct sight testing to check if your sight is aligned properly. If not, have it realigned or replaced.

Dirty barrel

As you use your ammo more often, copper fouling may start to accumulate in the inside lining of your barrel, which may affect the accuracy of your rifle and may result in a miss. This is because the inside lining of your barrel has helical grooves that keeps the bullet stable as it moves into a projectile. If these groves are marred with copper, then accuracy might be compromised. You can prevent this by simply cleaning your barrel on a regular basis.

Too much recoil

Too much felt recoil can affect how you handle your ammo and may result in a miss. Recoil is the gun’s automatic backward reaction as the bullet fires forward. According to the website of Suppressed Weapon Systems, certain types of barrels are designed to reduce recoil, which helps a lot in improving precision.

Incompatible bullets

Not all bullets are the same. Certain ammunition work efficiently with certain guns, while some others don’t. You can prevent missing your targets by knowing which ammunition works best for your gun.