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What do you do with it when you say goodbye? The equitable distribution of real estate assets in a divorce is frequently a hotly contested issue that needs to be addressed well in time. The present state of one’s marriage is not a factor. The impossibility of predicting the future is. More and more lawyers are making a fortune out of divorce-related property contention. In fact, divorce-related litigation has almost become a real estate market in its own right.

Most couples do not even dream of the possibility of going their separate ways when they buy a piece of property together. In fact, divorce is normally not something that comes with plenty of advance warning. The practical question of “who gets what?” is not the only one that will be asked. For example, things can get complicated if the property has been bought with a jointly taken home loan that has not been fully paid up.

Having to look at such aspects of one’s marriage when it is on the verge of termination is extremely unpleasant. In America, where divorce is a more evident and accepted fact of life, such matters are often dealt with in what is called a ‘pre-nuptial agreement’. Such an agreement makes provisions for all the above-mentioned possibilities even before the couple ties the knot. Still, many divorcing couples to agree quickly and unresistingly to any kind of arrangement made for the jointly owned real estate. The main criterion here is to get an unpleasant process done with as soon as possible – never mind the cost.

The simplest solution, of course, would be to sell the property on the real estate market and split the proceeds. But for various reasons, this does not always work. A more matter-of-fact approach to this tricky problem would be for the couple to agree to lease or rent out the property, split the regular proceeds and allow the property to appreciate in value.

Under certain circumstances, immediate sale and division of the proceeds may be the only solution. If this is the case, the haste factor should be eliminated. The wisest course of action would be to call on an experienced real estate surveyor to appraise the property. If the furnishings and other movable assets are also part of the debacle, an auction of these will yield fairer results than a mere rough estimate.

Happily, having to tackle the issue of property can sometimes reverse the decision to divorce in the first place. When a couple considers the emotional investment mutually made in such a property, plenty of second thoughts are likely to spring up. There are cases where couples then sit back, reconsider the whole thing and finally decide to give the marriage another go. There is no point in trying to anticipate such a positive development, this being a matter of human chemistry that defies prediction.

No credit no problem

As a parent, for me to give my teen a credit card, the following would have to occur. As a teen is still under my roof and should not have the type of expenses one might need a credit card for (which is non-perishable items) - so the credit card would be for emergencies only, unless the teen is very, very financially fit.

Step One: Teens need to have an income

A teen should have a job with income, outside of their allowance. This puts them on a path to responsibility and if they have the credit card, they can pay it off - which is as it should be. No job, no credit.

Step Two: Teens need to have a savings account

If your teen has not learned the importance of saving, and accruing funds - they don't know what spending really means. Some kids really think that you just go to the bank to get money with a plastic card (and forget that the money was earned as is not from an umlimited fountain of wealth)

Step Three: Teens need to have a checking account

This will teach your teen yet another way money is exchanged, and help them with record keeping which is needed for staying financially fit. By using a check register to keep track of expenses, your teen will see where and when they spend.

Step Four: Teens need to have a debit card

If your teen is successfully using a checking account, it's time to introduce a debit card. Many of these are visa or mastercards as well, but you can have that option turned off the card. This will teach teens how easy it is to get cash from a machine, and how easy swiping your card for inconsequential items like a pop and burger can turn into a zero account balance.

If the debit card is tied to their checking account, the money is immediately removed. If you allow them the visa or mastercard check cashing debit card then they may have a delay. If your teen can't handle this form of credit without overdraft fees they are not ready for a credit card.

In all cases, a debit card tied to a checking or savings account should be sufficient for a teen even in an emergency situation. If your teen is travelling or away at college, you may consider them using a parent credit card for approved expenses which you discuss ahead of time, or allowing them to apply for their own line of credit.

Step Five: Teens should apply for their own line of credit

Eventually your teen will be a grown up, and unless you've taught your teen to be a cash only person, it's likely that establishing credit is not a bad idea. If they have shown responsibility in the preceeding steps and are holding down a job, then allowing your teen to apply for their own line of credit can be a good thing.

Be sure to help your teen decide what sort of card they need, and an American Express may be the best bet for a starter card as it teaches you to pay off in full each month.

If you've adhered to the above plan and taught your child all you can about budgeting and having enough money to cover your purchases, you can do no more as parent's eventually have to let control of their teen go so they can grow into adulthood where they will make their own financial decisions.

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Planning and taking an RV vacation can be a lot of fun. When I was little I went RVing with my grandparents for a couple weeks every summer. They owned their RV, but these days a lot of people are opting to rent. Here's my short guide on the pros and cons of renting versus owning.

A lot of people, like my grandparents, want to own their RV, they are proud of the fact that they have been able to acquire something like this. The freedom associated with it is also very important. Allowing you to take off any time the mood strikes you.

If you rent your RV it's not quite so easy to get up and go whenever you please. So if you like to take unscheduled trips often you may just want to make the purchase of a new or used RV.

Something else to consider about owning your own RV is that much like owning your own home it gives you the ability to make any changes you want without having to check with someone first.

Do you smoke or own pets that you would like to bring along? These are some very important considerations when renting an RV. Will you be traveling with a large family or group who may do some damage or simply leave a few stains on the carpet? With most rental RVs you have to be very careful about leaving damage or odors of any kind.

Wanting to be able to completely relax and treat the RV as you would your own home is a very good reason for wanting to buy.

All things considered buying your RV is almost always the easiest way to go. The only thing that may stop a lot of people is the cost. An RV is a very large investment for most couples or families. Securing adequate financing can be as difficult as buying a new home for most.

Don't forget that along with the normal cost of purchase there are many other hidden costs along the way. Repairs and refurbishment of older RVs plus roadside assistance coverage can be expensive and are your responsibility.

Be sure you consider all the extras, you don't want to secure the right loan only to find out later that the regular upkeep is too expensive for you.

Many people find that renting an RV is a much more affordable option. If you only plan to use an RV for traveling a couple times a year renting is also the best deal for you.

Just like any other rental agreement you should always do some comparison shopping. Don't agree to rent the first unit you like and be ready to travel a little to find a better price.

While there may be restrictions most places will let you rent an RV for almost any length of time. Most rental agencies offer many different options to personalize your rental to your needs.

Be sure when renting an RV that you understand all of the rules and restrictions set forth by the rental agency. If you would like to smoke in the RV or bring along a pet or two you may have to look long and hard to find an RV rental that will allow you to.

Even if you find an RV to rent that will allow these extras activities there will almost always be an extra large security fee to ensure the property is returned undamaged. Make sure you understand these extra fees completely before signing an agreement.

I was introduced to RVing at a very early age and I love the freedom that comes with bringing your home along with you on vacation. But for me the cost, maintenance and added extras of owning an RV would not be affordable. This is why I choose to rent an RV whenever I want a leisurely vacation.

Sources:

http://www.newrver.com/publish/rvbuying.shtml

http://www.cruiseamerica.com/

Personal Experience

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I've found this site do you think I should base my site on it?

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I like the way of writing and think that the subjects are quite interesting.

The topics on the blog are my kind of thing and I have read them with great interest. I can't decide if i should try to write posts like them or blog in my own style. Hmmm much to think about!!