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Monthly Archives: December 2016

Are You Saving Enough Using Units Trusts And Retirement Policies

From unit trusts to savings accounts and endowment policies, South Africans have a myriad of savings vehicles to choose from and yet the harsh reality is that we do not save enough. According to the South African Savings Institute (SASI) ‘when compared to its peers, South Africa’s national savings rate is still dismal.’ SASI goes on to say that ‘the World Economic Forums 2011/12 Global Competitiveness Report ranks South Africa 72nd in the world for its gross national savings rate equivalent to 20% of GDP. This is well behind BRICS country peers like China, ranked 2nd with savings equal to 54% of GDP, India at 15th with 34.7%, and Russia at 44th with 24.7%.’ How do you know if you are saving enough? Grab a piece of paper, a quiet moment away from the family and consider a few what-if scenarios.

What-if scenarios will help you work out if your finances will stand up to the worst case financial scenarios that life could throw your way. For example, consider the following:

How long would you and your family be able to survive if you or your partner/spouse were retrenched?
Would you be able to pay for major repairs to your car without reaching for your credit card?
If a family member fell ill, would your savings be able to pay any medical expenses not covered by your medical aid?
Can you afford to send your children to university or college?
Would you be able to afford the insurance excess if your car was damaged or stolen?
If one of the family pets fell ill, would you be able to pay the vet’s bills out of your savings?

Your answers to the above questions should give you some idea of whether you are saving enough money each month and if you have enough money put away for emergencies.

There is no golden rule for how much you should be saving every month. It depends on your age, your financial obligations and your income. Experts recommend that you save at least 10% of your monthly income but we recommend that you speak to a financial advisor to calculate your own personal savings requirements.

No matter what your age or income, you should be savings towards:

An emergency fund: 3 6 months worth of living expenses to cover unexpected costs like car and household repairs, medical bills and retrenchment. Remember to top up your fund as soon as possible if you are forced to take money out of it. Speak to your financial advisor about how best to invest your emergency fund. Unit trusts are a good option as you can withdraw money at any time without incurring any penalties.
Your retirement: Once you have accumulated an emergency fund you need to turn your attention to your retirement savings. Again we recommend that you speak to your financial advisor about how much you should be saving and what investment vehicles you should be using, for example a retirement annuity or provident fund.
Savings goals: set savings goals and save towards them every month, for example a new lounge suite, a holiday overseas or university tuition fees.

What were the results of your what-if scenario? Are you saving enough every month? If not, speak to your financial advisor today and start planning for your financial future.

Why Should You Have A Pay Slip

Reasons Why a Payslip Is Essential?

Pay slips are a statement given by the employer that keeps the steady record of an employee as well as of his present and past salaries. In different fields an individual might be asked to show his payslip. Specially for taking loan or for investing money pay slips are necessary.

This pay slip is necessary for an individual when he wants to change his present job . Generally in most of the cases the appointing authority wants to see the pay slip of the previous job as that allows them to verify whether the candidate has been giving them authentic information. Payslips are essential for any loan application.

One who is applying for a loan must show the pay slip of his job to satisfy the loan giving authority about the fact that he would be able to pay back the loan. All financial institutions want to give loan to a person who is in a steady financial position. Payslip is an important legal document that shows the financial credibility of a person. One should keep it with care. If one loses his payslip it will be not easy for him to get any loan or to make any switch over in jobs.

Payslips are also required for investment purpose. In some investments like the mutual fund the investment needs to be done in several installments. In this type of investment it is essential to show the payslips as the authority wants to be sure about the fact that the man will be able to give his installments regularly. In case of acquiring home loan this is also important. The bank wants to be aware of the present financial status of the individual before it disburses the loan.

Payslip not only has the salary details but also several essential information about the employee. The name of the employee, name of the employer, name and address of the company, date of the pay slip and some legal data like tax code, national insurance number should be there on the payslip. If any payslip does not contain any of the data it will not be accepted by any corporate or financial organization. Other important details in the payslips are net pay amount, gross pay amount and other deductions and expenses. The number of leaves granted to the employee should be mentioned in the pay slips. Pay slip has a particular format. The pay slip is available in various modes of printing like laser or dot matrix printing.

Payslip is also necessary to mortgage a property. The financial authority wants to be sure about the fact that the person is in a steady financial position and he will be able to pay back the money. If one loses his payslip he needs to replace it immediately from any reliable authority. After getting the alternative payslip one must look at it to check all necessary data.

Blue Sapphire Intense and Immediate

Blue Sapphire or Neelam stone is primarily known in the world of astrology for its two characteristics. The first one is its ability to bring an immediate impact on its wearer. Second aspect is its intense nature of impact. If favorable, Blue Sapphire can take one to the land of heavens, but if unfavorable, then it can turn everything flow against the tide. Its nature of extremities has proved to be too good for many, and not too-good for some. However, with support from its trait of making a quick impact, one can adopt it initially for some time on trial basis, to evaluate its suitability and nature of impact.

The Very Particular Blue Sapphire During the trial period, one is recommended to keep the Blue Sapphire gemstone under their pillow at the time of the sleeping. Repeat it for three days. Usually, one will sense its impact from the first night itself, in the form of the nature of dreams which one have at night. In case of pleasant dreams, Blue Sapphire can be considered as suitable and favorable. However, evil or bad dreams during the period denote for unfavorable outcome from the gemstone. Bearing Blue Sapphire or Neelam in that case can lead to dreadful circumstances, such as accidents, health problems, quarrels, and financial loss. One might also lose all his luck and end up with nothing in life.

In case of a favorable Blue Sapphire, one can gain a lot. As already stated, one can sense favorable outcomes within 3 days, 3 hours, or sometimes even in 3 seconds of wearing the Blue Sapphire. More precisely, Blue Sapphire or Neelam is considered to confer its true and devoted wearer with plentiful of resources, prosperity, strength, fame, longevity, and pleasure of children. It also restores one’s lost wealth and material property. It also liberates one from all health problems, sorrows, guilty, and poverty.

Saturn and Blue Sapphire In Astrology, Blue Sapphire is associated with the planet Saturn. Saturn has been described as the strongest as well as the most malefic planets of all, which eventually ends up giving pleasant results. As a part of malefic effects of Saturn, a person suffers from lack of fortune and too many of disastrous situations. However, at the end, one comes out happily. With Blue Sapphire, one can overcome all such ill-effects. It is equally effective for those under the influence of Saade Saati effect.

Wear Blue Sapphire A blue sapphire of less than 3 Ratti (or 360 mg) should be worn according to a prescribed ritual, which has to be performed only on the day of Saturday during sunset. One should wear it after getting it embedded either in silver or iron ring, in the middle finger of the left hand. Before that, keep the ring with gemstone poured in water for the entire Saturday, and then offer the used water to the roots of the peepal tree in the evening. While wearing it, one should chant the Mantra of -Om Aim Hreem Shanecharaya Namah-. After that, offer prayers to Lord Shani, and donte black urad, salt, mustard oil, soap, tea leaves, and some money to the base of the trunk of peepal tree. Do it as per your own capacity.

Online Florida Divorce – Never Has To Appear In Court

A Florida divorce is generally little more than a simple ecclesiastical issue. By the time you have made the concluding to get a online Florida divorce, the marriage has ended, and all that retains is to take care of the legal ties. Terminating the legal ties often includes splitting up any property from the marriage or just identifying the separate property of both the parties. Evidently spelling out who is to do what, when, and under what terms and circumstances, eases the general stress of a divorce, leaving less to be ‘argued’ over.

Florida Divorce Guidelines

Mail In Filing

In Florida, many countries allow parties to mail forms into the courthouse for filing an online Florida divorce. This practice varies from country to country. Explicit, simple instructions regarding completing this process are provided by The Florida Online Divorce services by many good online divorce firms. Some Florida Courts will not accept mail in filing, and some cases may not be suitable for mail in filing in any country.

How Long Will It Take?
The use of the Florida Online Divorce Assistance service usually takes between 30 minutes and two hours depending on the complications of your case. Divorce in Florida does not have a necessary time boundations after the filing of your case, but a judge may choose to continue (delay) your case for up to three months to allow the parties a chance to accommodate. Generally, such a hold up would not happen in an uncontested divorce case.

The only usability to seeking a divorce in Florida is either spouse has to have resided in the state of Florida for at least six months and the marriage must be either irreparably broken or one of the spouses is mentally incompatible. The Florida State will permit you a quick divorce with just a signature as long as there is no property division matter. In most situations if the online Florida divorce is uncontested and all issues involving children, assets and financial responsibility have been worked out between the parties and decided upon beforehand then only one party must show up at the hearing. Mostly uncontested Florida Divorce judge hearings take approximately ten minutes. If any matter arise that become contested then the judge will wish to hear both partners sides and have both present so that he or she may make a fair decree or send the couple to mediatio. If a judge finds it mandatory he may send both spouses to either a marriage counselor or a mediator to help them work out their differences of view on their own. When there are children involved this sometimes makes Florida divorce exacerbates and tempers rise so the necessity for a neutral party is mandatory. In order to teach parents to help their children through this traumatic period it is now a need in online Florida divorce, like most states, to be present at class to help them gain information on helping their child to cope with the loss.

Sure Signs of Being Cursed

If you’re reading this, it’s likely that you want to know more about curses. Perhaps you suspect that a curse or hex may have been placed upon you. If so, keep reading. Or perhaps you just want to stay protected from curses. This is the article for you then, too. Whatever your interest, these are the top ten signs that you are almost certainly cursed:

10. Nightmares, night terrors, sleep paralysis, or strange nighttime sensations. One of the most evident symptoms of being cursed or hexed is trouble sleeping. This can range from sleep paralysis and nightmares to simply having an unusually restless sleep. While everyone has the occasional nightmare, consistent experiences of nightmares is a strong indication a curse has been placed on an individual.

9. Loss of energy. Curses and hexes can turn individuals described as vibrant and positive to dull and boring. Fatigue and sudden loss of energy is a strong symptom of most curses. This is especially true for curses and hexes placed to drain individuals of their energy. Psychic vampires are notable for working in this fashion.

8. Misfortune of loved ones. If loved ones or people close to you suddenly start experiencing an unusual amount of misfortune, this is a clear symptom a curse has been placed. While we expect curses to affect the person they are placed upon, it doesn’t always work like that. This is because some curses are directed at damaging a person’s entire life, which includes harming those around the victim. These types of curses are becoming increasingly common, and unfortunately can be devastating.

7. Financial or property loss. Sudden and unexpected losses of property or financial loss are good indicators of a curse. Many curses are intended to affect a specific aspect of a person’s life, such as finances, health, or relationships. Anything from being laid off at work to becoming the victim of (supposedly) random vandalism can be the outcomes of a financial curse. If you’ve experienced sudden financial losses, it’s worth asking if you’ve been cursed.

6. Relationship trouble. Curses directed at harming relationships may be the most abundant curses in existence. Curses of this nature can turn happy and healthy marriages into trainwreck failure marriages, so beware. It’s very common for things to be going perfectly and then suddenly, without warning, to take a turn for the worst.

5. Deterioration of health. While sickness has many natural causes and should always be appraised by qualified medical professionals, it is important to note that magical curses and hexes do, in fact, cause sickness. Healthy individuals can be made sick instantly with some curses, while other curses manifest themselves as gradual declines in health.

4. Legal trouble. Lawsuits and criminal charges may often stem from curses. Curses can manifest themselves in such a fashion that innocent people are accused of crimes or torts, or may actually incline people to engage in criminal behavior that may result in their misfortunes. Whatever the case, if an individual suddenly experiences legal trouble it can be a symptom of being cursed.

3. Direct perceptions of being cursed. Some curses are more obvious, causing individuals to be directly tormented by hallucinations or delusions. Additionally, as some employ spiritual beings the victim may find themselves directly harassed by such entities. As the saying goes, if it looks like a duck and quacks like a duck, it’s probably a duck. If a person has strong experiences of being cursed, there is a good chance they are.

2. Sudden and serious illness. As opposed to a gradual reduction in health, sudden and serious illnesses are strong symptoms of harmful magics at work. These usually manifest themselves as specific, serious illnesses that afflict the victim acutely. As the nature of these curses are especially dangerous, they should be dealt with as soon as possible.

1. Death. Yes, people can actually die from curses. Death by harmful magic can manifest itself in a myriad of ways, from suicide to sickness to car accident. Unfortunately, after this symptom is present it is already too late to help the victim. The key is to block and remove curses before this occurs, not wait until after. Additionally, powerful curses may even harm those around the intended victim, so it is important to deal with them in any situation.

All of the symptoms listed above are indications a curse has been placed on someone. Individually they are not proof per se, but collectively they should be taken as strong evidence. What this means is that if someone experiences one or more of the symptoms above, they should seriously consider that a curse may be the cause of it. The more symptoms there are, the stronger the likelihood a curse has been placed.

However, a curse is no reason to lose hope. At the fist sign of evidence a curse has been placed immediate action should be taken to remove the curse. Additionally, there are ways to prevent a curse. Caution should be taken, however, when attempting to fight a curse, as inexperienced casters may actually compound it and make it worse. You should seek out a professional witch to remove or protect you from curses.

Michael Bloomberg Investment Strategies

Michael Bloomberg is the world’s eighth richest man according to Forbes 400 released in September 2008. He is one of the most successful businessman/politician in the world. Do you know where his success came from. Was it because of business strategic planning or just a plain luck?

Up to do this time, Bloomberg holds 88% of the ownership of Bloomberg L.P., a financial software company. He is also the mayor of New York and spent two terms for the city. In 1981, Michael was fired out of the Salomon Brother where he served as the general partner. He headed the equity trading and the systems development. Before he stepped out of the company, he was given $10 million dollar severance package. With that money on that same year, he started his own company. It was called the Innovative Market Systems. He had his first customer in the name of Merrill Lynch. The company installed 20 Market Master Terminals and invested $30 million to the IMS. The company was then changed to Bloomberg L.P. Few years after 5000 terminals have been installed. The company also expanded their business by launching Bloomberg Tradebook, the Bloomberg Messaging Service and the Bloomberg newswire. The company continued to prosper and the rest is history.?

With recognitions at hand, Michael Bloomberg became one of the business tycoons in the world. He is one of the highly admired business people. Even though he already resigned as the president of the company to serve the people in New York city, his legacy still prevails among business enthusiasts. His investment strategies are inspiration for businessman and business service providers. For those who are eying global business development, they want to know Bloomberg’s business approaches. But does anybody here knows his secret? None.?

His investment strategies is distinct and defined. The success of Bloomberg LP is directly attributed to Michael’s innovative strategies. Although they were not yet revealed to people, some sort of methods that he used were named as his secret to progress. He once worked as the head of equity trading in Salomon Brothers. And he used it on his new business. Equity trading is the buying and selling of stock shares Shares in large publicly-traded companies are bought and sold through one of the major stock exchanges, such as the New York Stock Exchange, London Stock Exchange or Tokyo Stock Exchange, which serve as managed auctions for stock trades. Stock shares in smaller public companies are bought and sold in over-the-counter (OTC) markets. A simple yet effective type of investment that Bloomberg used for his little capital.?

From a capital of $10 million, he’s now making almost double of it because of his effective investment strategies. He invested much of his money on sectors he thinks beneficial to people. Bloomberg LP, which is a financial data and communications company, branched out and started a news service provider. It is now known for radio, television, internet and publishing operations. Bloomberg companies are global, multi-media based. Distributor of information services. They combine news, data and analysis for global financial markets and businesses.

The History Of Hyosung Motorcycles

Hyosung Motorcycles were originally established in nineteen seventy eight as a division created by the The Hyosung company Group of companies. This company operates as a major South Korean group of companies with divisions which range from engineering to financial services. The Hyosung company initiated making Suzuki motor bike models under permission from the Suzuki company for the local market the region of Changwon, Korea in the late 1970s. Around 1986, Hyosung founded their own R&D center in Hamamatsu, Japan, and the next year, hyosung started major manufacturing of their designs. Hyosung were selected as the exclusive motorbike provider for the 1988 Summer Olympics in Seoul, The company motorcycles and scooters enjoyed a summit in popularity at that time. During 2003, Hyosung Motors & Machinery Inc. was separated from the Hyosung Group and became a separate entity. In Summer 2007, The Hyosung company Motors Division was acquired by another Korean conglomerate, S&T Group (Science and Technology), and the name changed to S&T Motors, though most models are still sold under the The company name. S&T Group is the third owner of the Hyosung brand in the last few years.

Today, Hyosung motorcycles can be bought or have been bought in virtually all areas throughout United States and Canada, Central and south america, The european union, along with Australia. The latter is among the top selling nations for The company motorcycles and scooters, where the sportbike 250cc displacement models rank amongst the most popular models. Though that is not typical, the majority of The company motorcycles experience los sale volumes in most countries where these models are sold under many names, including S&T Motors in South Korea, Naza Blade in Malaysia, United Motors and ATK in the North America., and Kazinski in Brazil. The organization has often been criticized for improper or absence of “brand loyalty” for their high-quality motorcycles, which in turn prompted loads of confusion with riders all over the world and has deter the company or brand to fully take off. Nonetheless, economic problems and several ownership changes throughout the years have forced the business to take these different branding relationships in order to survive and continue manufacturing models..

Hyosung’s top selling and succesfulll designs are the Aquila GV250 cruiser motorbike, GV650 cruiser, GT250R sportbike, and GT650R sportbike, and most recently the ST7 cruiser. However the company does make various other products, such as 50 through 250cc scooters, and 50, 90, and 450cc ATVs. The TE450S Atv has a potent engine and compares confidently to other models in its class. In 2010 S&T Motors updated virtually all models to electronic fuel injection as well making some cosmetic touches on the sport bike models. Most The company models enjoy a very good level of quality though technology is often a few years back and design changes are few and far in between compared to the top Asian brands such as Suzuki, Kawasaki, Honda, and Yamaha. All models are well priced (below Asian counterparts) in most markets and make excellent and affordable beginner bikes for many The company riders worldwide. Depending on the country where you purchase your Hyosung motorcycle, getting parts and quality service may or not be difficult, but in most cases access to parts and accessories makes for a more enjoyable experience with your The Hyosung company.

The company motorcycles have been ridden around the world for well over thirty years, despite the speculations and the turmoil the company has faced throughout the years, there are not signs that The Hyosung company motorcycles will ever cease production.

Why Scholarships Are Important

Scholarships are the amount of money that is given or cut in fees of students on some spatial basis. Various institutes all over the world provide scholarships for students, based on performances in exams or in some other cases as arias, finance or family backgrounds.

Scholarships are the financial help to the students for their studies. Most of the time scholarships are given based on performances. It is a kind of reward for brilliant students as the reductions of fees or direct financial help. Institute provides scholarships to uplift the level of education and to make it easy for brilliant students to get higher education at low cost.

Higher education is getting more and more costly now a days. Sometimes it gets even out of reach for a certain class of people. Scholarships provide the opportunity to the students of those classes to reach up to that higher education, without caring about big amounts of fees. Sometimes students have to earn money for their own expenses besides the fees of the institutes, in such cases scholarships helps a lot.

In countries, where higher studies are not world class, students tends to go abroad for studies, sometimes because of differences of currencies it becomes a big problem for them, most of the world class institutes provides scholarships for outsider students on the basis of certain exams which help students study abroad. Most of the excellent engineering, medical, business, arts and other institutes provide scholarships. As in U.S.A., all big educational institutes have scholarships for outsider students as well as excellent home country students.

Not only for higher level, but for now almost every educational institute has scholarship programs in different forms. Those programs help in raising education level and provide opportunity for performers. Almost all governmental institutes have scholarship programs to help performers in which government provides money to feed excellence in the country. World over big educational institutes have various scholarship programs and now it is a regular phenomena for all kinds of institutes.

Besides performance in examinations there are some more criteria in which scholarships are provided as there are scholarships for handicaps, scholarships for poor students, scholarships for military background students, scholarships for outsider students and scholarships on the basis of personal earnings (students without financial support of any kind).

Scholarships are always given to certain students on some spatial basis; there are three basic reasons for it:

Giving reward to performers so performance is appreciated and others are given motivation to perform.

Helping students, which are financially incapable, but academically excellent.

Honoring some families from spatial backgrounds (as in military)

Scholarship is a very good system for studies as now importance of studies, spatially higher studies, is regularly increasing. In such case, if there are students, which have excellent qualities but are unable to pay heavy fees, will not be able to study than it will be a big loss of human resource. On the other hand scholarships provides motivation to all kinds of students and establish the importance of studies.

a Tranquil Path To Seychelles Offshore Company

Whether it happensit is very to save income taxes, achieve elevated business versatility, shield property and assets, minimize reporting, or maybe manage privacy, having an overseas organization (a firm your image performs business outdoors the country related with incorporation) could be a particular finest business tool. Offshore business development is relevant amidst uk entrepreneurs, independent contractors, specialists plus traders. The hired contacting firm collects the required due diligence from the customer. The consulting company offers the client using a full show program, that includes procedures to include the prospective offshore business. The consulting firm proceeds to register the offshore business when using the suitable company construction.

Find out which of the Singapore Incorporation or investment options available, or Dubai Offshore Company will be appropriate for you.

A Tranquil Path To Seychelles Offshore Company

This certificate is the piece of content which we hold since confirmation which the business exists. A certificate of incumbency indicates that the business was in advantageous waiting. The business is need to keep statutory contracts of the Offshore Company formation. The papers are to be saved within the jurisdiction related with the destination the firm was subscribed. In this case, the papers needs to be prevented inside the offshore organization ‘s registered business office. The manager or company directors of the Offshore Business are to continue all important offshore firm data files also as the audited accounts. Most of the offshore companies do not function a considerable company inside the nation of registry.

This keeps the prospect related with brand new company, surprisingly attractive. Overseas Company is a non-resident firm that is integrated in foreign nations inside purchase to avail its flexible income tax structures and additionally fruitful company possibilities. The fundamental reason at the rear of establishing a company inside a foreign locale is the chance of income tax reduction which enables you to get into the popular taxation construction of the nation. The benefits provided to offshore organization inspire a lot of people to launch a firm inside foreign lands. Overseas company formation not just spares revenue about income tax unfortunately, the task related with environment and building a business is truly simple plus simple.

Less formalities and additionally records is mandated when environment a company and additionally one could smoothly function that company with a lot Comfort. Various other major positive aspect of the overseas business formation is simplified reporting strategy. Reporting system related with overseas organization is simpler than the reporting program of a local native company It moreover helps the businessman to continue that essential information confidential as your man refuses to have to present this strategies to virtually any influence. Furthermore indeed there is a greater range for asset cover and personal security is additionally treated inside an impressive manner. The offshore organization formation is useful for each the firm also as the publish nation.

Head over to my web site on investment options available for other tools and additional info on Offshore Company In Dubai.

The History Of Divorce In The Us

The history of divorce is a long one. It has, as French philosopher Voltaire put it, likely been around since the advent of formalized marriage. While Voltaire may have referred to the susceptibility of marriage to collapse even in a loving union, divorce also applies to the legal dissolution that has resulted from disagreements amongst couples over the years in the Western world.

Legal divorce began as early as the sixteenth century in Europe as a firm rejection by Protestant leaders against Catholic institutions, such as marriage. And while the Protestants supported the legal proceedings of divorce and claimed that Catholic divorce-equivalents, such as annulments that were primarily used to break off bigamous relationships, were easy to obtain, very few married couple ever filed for divorce or annulments. Soon after, however, the granting of divorce began emerging from secular sources of power in Switzerland and later the U.K. The cases for divorce during this time were based on some fault of the defendant, though the guidelines were described in religious terms, such as from the Bible.

In America, the fault-based process of divorce remained mostly intact when the colonists arrived. A complete divorce-while necessary to prevent the moral complications of separated-but-married status-was possible, but very hard to get. As the 13 colonies became the 50 United States, the grounds for divorce had to be concrete, which enabled the ostensibly innocent or injured party to get relief in the form of the actual divorce. The reasons included desertion, adultery, regular inebriation and impotence, as well as the classic cruel and abusive treatment. While it was in the interest of the state to sustain marriages, the plaintiff had to come up with solid reasoning even when both parties wanted the divorce. It essentially had to be presented as a fight or fault-based case.

Around the mid-1950s in the U.S. several court rulings and state laws clearly recognized the many instances of no-fault reasons to end marriages. These included long-term separation, instances of incompatibility and loss of sanity. In practical terms, though, no-fault legislation was hard to use to actually provide a divorce for couples. It seemed that attorneys and judges were still driven by social mores that established the finality of marriage. Couples seeking divorce and their lawyers still had to fabricate their cases in a way that applied to established grounds most of the time. Ironically, as more people became married more than once in their lifetime and divorce was seen as less morally compromised, judges and attorneys had to sustain the fault-based divorce system to expedite the divorces easily.

Many states had many different reasons for divorce, from clear-cut adultery to major physical abuse. Some, however, were limited to just a few finite grounds, as in such East Coast states as Massachusetts, New York, Pennsylvania, Maryland and others. For this reason, many couples seeking divorces would travel to other states, typically out West to a divorce refuge like Nevada or California, to gain their divorce. Many of these places, it must be added, made for easy and virtually instant marriages, too, like Las Vegas. When the divorce became legal, the couple would return to their original state to proceed with their now separate lives as usual. The trends were recognized by legislators, however, in states like New York, whereby a couple could travel to Mexico, live there just 24 hours and legally file for a divorce that would be recognized back in New York. They also recognized that those who had no means to leave the country for their divorces needed their rights protected, as well.

Yet it wasn’t until the 1970s that the U.S. instituted no-fault divorces that were easily obtainable. The U.S. took the cue from the U.K., which spearheaded divorce reform legislature. Judges in the U.K. could simply issue a divorce decree when a couple’s marriage was clearly irreparably damaged. California soon recognized the success of this approach and enacted its own law soon after. Laws like the Uniform Marriage and Divorce Act soon spread across the country.

This method of divorce has been criticized by those who see that attorneys and judges may drag their feet because the grounds are so simple and open-ended, thus causing major family, employment and financial disruption amongst all of the parties involved. It has also been said that this kind of simple divorce has broken important bonds, and will continue to compromise the institution of the family.

In the contemporary U.S., the rate of divorce peaked in the 1980s almost one half of all marriages ending in dissolution. Many now say that it is not so much the laws granting easy divorce that have enabled so many to break apart their formal relationships, but several other reasons, such as increased women’s earning power, greater acceptance of divorce and-most prominently-the desire for “the pursuit of happiness,” in this case the ability to find a better spouse.

Typically, in the course of a divorce, an ex-husband will pay his ex-wife alimony for a discrete length of time. There are some states, however, that permit the reversal of that arrangement if the woman is the major breadwinner. If the couple has any children, custody can go to either or both parents, with visitation and custody settled between the parties as part of the divorce agreement.

Ultimately, divorce may be a necessary event for some to make the remainder of their lives reasonable and happy for all involved. When divorce becomes a possibility in your life, it is always best to enlist the aid of an attorney versed in comprehensive family and divorce law.