The Role Children Can Play in Divorce

broken marriage

After becoming a parent, you will realize that children are the most important assets one can ever have. Children are seen to represent the future, love and many people look at them as the most significant achievements. Parents will tell you that they will do anything to protect their children. But what happens when parents cannot stay together anymore, and they want to divorce? This article will discuss the role played by children in divorce. Read on

Listen to Them

family, happy childEven in normal circumstances, it is best if you listen to your children. A grown-up kid can express themselves and tell you what they need and want. To understand your children ask for their opinions and listen open-mindedly.  Do not ignore the young children because they can as well express their feelings. Many courts accept children as young as 14 years to appear in court? They are given a chance to express their preferences regarding visitation and custody.

Come up with a Parenting Plan

As parents, you should come up with a favorable parenting plan. If the children are big enough, you can include them in decision making. Parenting plan consists of the custody, physical custody and parenting time. The best plan is that which give both parents a chance to be with their children.  We call it joint custody. Parents are advised to come up with the arrangement on their own, but if they can’t, a lawyer or mediator can be involved.

Child Support

marriage,divorceChild support is very clear in law and tax regulations. First of all, child support is free of taxes. This is to mean that the child or parent receiving child support does not owe the government payments or taxes on the same. To make sure that the law works for them, the parents giving child support should ensure that the monthly payments are indicated as child support. Child support payments should be separated from spousal payments. It should not be included in family support.

This is major because, while child support is tax-free, spousal payment is termed as income hence taxable. Parents should make a final agreement which differentiates, child support from spousal support. This lessens the burden of taxes on custodial parents.

Another important point is that parents should make sure that they make the payments on time. Do not wait until the court comes after you to play your duty.…

Top Warning Signs of Identity Theft

phishing, cyber crime

I find it very annoying when someone calls out my name wrongly or refers to me using someone else name. Imagine how it would fill like if someone takes a loan from your bank using your details. Other times, the thieves use your credit card and exhaust everything without your idea. This is part of identity theft.

online fraudIdentity theft is the most common form of cybercrime, and it is growing day after day. Identity theft occurs when someone obtains other persons personal information like credit card number, address, date of birth, bank details, etc. depending on the motive of the thief, the information obtained can be manipulated and misused for their benefit.

It is unfortunate that many people realize that their information has been tampered with after damage has occurred. In case you sense that something unusual is happening to your credit card, for example, do not sit there surprised. Call your bank immediately, and they will take the necessary measures to protect you. Below are some warning signs that show that your identity has been stolen. Read on

Error in Credit Card Statements

Never assume any unauthorized transaction no matter how small it is. Many times, it acts as a hint before the real theft happens. The criminals, use this trick to see if the account is active and the transaction will go through. Currently, almost all banks operate online banking; this gives you an opportunity to track your transactions daily. Report any suspicious transactions to the bank. Many people make the mistake of waiting for monthly statements from the bank. Keep track from your mobile phone on a daily basis.

If You No Longer Receive Emails or Bills

passwords, fingerprintsContact your creditor if you do not receive bills on time. Many times, identity thieves steal their victim’s mail address and change them. Do not ignore the fact that your bills are late or you did not get them the whole of that month. It might be because someone else took over your mailing address.

Receiving Bills of Purchases You Did Not Make

Cybercriminals might purchase items using your credit card until it is dry. If you receive bills or payment notifications you did not make, someone is using your credit card. Keep an eye of all your incoming and outgoing bill statements. If anything unusual is happening, inform your creditor that it was not you and cybercriminals might have attacked you.…