College Expenses: The Impact Of Student Loan Debt On Your Child

The ABC’s of College Loans – Plan How To Pay For College!

collegeCollege tuition has risen drastically in the past 15 years.  In 1980, a public university cost around $2,000 a year for just tuition.  The average in 2010 is at $8,085 and continuing to rise at a rate of almost 4-5% a year.  With these rising costs, one would be surprised to notice the drastic increase in college applicants.  Today, nearly 1 in 3 young adults have a bachelor’s degree, and nearly 70% of young adults have some sort of college experience.  This increase in college tuition and applicants has led to a large accumulation of student loans.   Below, we’re going to take a look at some hypothetical scenarios, and some recent developments in legislation that can affect the future of new students and can have significant impacts on the choices they make.

First, we will take a look at what FAFSA is, and what it can tell you.

  • FAFSA is the Free Application for Federal Student Aid.
  • FAFSA, like the acronym states, is FREE.  Never pay someone to complete your FAFSA for you.
  • One of the most important things you learn from your FAFSA is your EFC, which
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Divorce: How Employment Affects Men’s and Women’s Decisions to Divorce

Divorce, Employment And Marriage – An Analysis

divorceStudies have often attempted to examine the intricate details of divorce by indicating what causes it, which party causes it and how can it be prevented.  Below is an analysis of the National Institution of Health’s study by Liana C.  Sayer of The Ohio State University about how the changing spectrum of society can affect marriages.  First, we’ll review two theories, then compare these and evaluate an opinion based off of these theories.

Institutional Perspective

The study on divorce and employment is broken into two theories, the first of which is considered the “Gendered Institutional” theory.  This theory seeks to classify marriage as it has been traditionally, where the male is often the breadwinner and the female is often the caretaker of the home and children. This view is often referred to as the codified version of marriage (as most states don’t allow same-sex marriage).  This is a very traditional view on marriage as it looks to shifting of these roles since the 1980’s.

Prior to the 1990’s, female employment in the market was still considerably low.  Men dominated the market and females often stayed home and took care of the house and … Read More... “Divorce: How Employment Affects Men’s and Women’s Decisions to Divorce”

Computer Cybercrime Legislation: Spillover Tendencies

How Computer Cyber Security Laws Can Impact Family Disputes Differently From State To State

computerWith the recent buzz surrounding computer cyber communications and email hacking, one should be informed on the general principles and laws of their state.   These laws have come about due to the recent explosion in email hacking, bank hacking, and corporate espionage that have plagued the telecommunication industry in recent years.  An attempt to curb these crimes has led to adoption and passing of harsh penalties that accompany the acts.

The harsh penalties that accompany these laws have the capability to cause “collateral damage.”  That is, damage to individuals whom the laws are not meant to injure.  These cases, such as the ongoing case in Michigan, often involve family disputes.  Let’s take a look…

Walker v. Walker

Facts to understand:  Leon Walker began to suspect his wife of cheating on him.  Acting on this suspicion, he accessed his wife’s email without first obtaining her consent to see if his suspicions were warranted.  He states that he accessed these emails because he was worried that his wife’s ex-husband (whom he believed was the man having the affair with her) was abusive towards her in front of … Read More... “Computer Cybercrime Legislation: Spillover Tendencies”

Gay Marriage: The U.S. Supreme Court Tackles Same-Sex Marriage Issues

What Is The Difference Between Prop 8 And DOMA? – Will Gay Marriage Issues Change Family Law?

Questions And Answers To The Issue Of Gay Marriage And The Supreme Court’s Likely Decision

gay marriageThe United States Supreme Court recently granted certiorari to two very controversial gay marriage issues, Prop 8, and DOMA.  Below I will discuss the two different issues, how they came to be here, and what the likely outcome may be.

Proposition 8

What is Prop 8?

Proposition 8 was a 2008 ballot provision in California.  This ballot provision provided that section 7.5 of the California constitution be amended to validate only a “marriage between a man and a woman.”  This ballot provision passed and overruled a California Supreme Court decision just months earlier granting equal marriage rights. Since then, gay marriage has been a hot button issue and has been challenged numerous times.

Why did the U.S. Supreme Court agree to hear this?

In the Supreme Court, it takes 4 votes to hear a case, and 5 votes to decide a case.  There is speculation behind the lines on why and how the Supreme Court accepted this case.  The questioning of the High Court only yields greater controversy.  … Read More... “Gay Marriage: The U.S. Supreme Court Tackles Same-Sex Marriage Issues”

Health Insurance: Divorce Often Ends Coverage for Women

How Effective Will The Affordable Care Act Be For Women Suffering Health Insurance Loss After Divorce?

health insuranceApproximately 115,000 women lose their private health insurance every year as a result of divorce, according to a recent University of Michigan study. “Given that approximately one million divorces occur each year in the U.S., and that many women get health insurance coverage through their husbands, the impact is quite substantial,” said Bridget Lavelle, a U-M doctoral candidate in public policy and sociology, and lead author of the study which appears in the December issue of the Journal of Health and Social Behavior.

Many women who lost their health insurance coverage remained uninsured for more than two years following their splits, according to the researchers who analyzed data from women between the ages of 26 and 64 from 1996 through 2007.

Lavelle conducted the study, which analyzes nationally representative longitudinal data from 1996 through 2007 on women ages 26-64, with U-M sociologist Pamela Smock. Their research was supported by the U-M National Poverty Canter.

Among the other key findings of the study according to a University of Michigan press release:

  • Each year, roughly 65,000 divorced women lose all health insurance coverage in the months
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Military: What Does “Residency” Really Mean for Those Who Serve?

Military Members Must Meet The Residency Requirement To File For Divorce In Ohio

militaryThe Ohio Revised Code §3105.03 states that “[t]he plaintiff in actions for divorce and annulment shall have been a resident of the state at least six months immediately before filing the complaint.” That being said, many people are often confused as to what is meant by the term “resident.” When it comes to divorce, Ohio defines being a “resident” as being domiciled in Ohio. For one to be domiciled in a state, the person must have a home in the state, and he must have the intent on making Ohio his permanent home. He must have the intention of living and staying in the state of Ohio. When a person enters the military and is enlisted to service, his domicile remains where it was before his Military service unless he chooses to move to a new domicile where he intends to remain. Therefore, the real focus is a person’s intent to remain in a state.

The court has stated that “Every person must have a domicile somewhere, and that domicile is not lost until a new one is acquired. A person abandons his old domicile and acquires … Read More... “Military: What Does “Residency” Really Mean for Those Who Serve?”

Post-Traumatic Stress Disorder Treatments Effective?

A New Study Suggests that Psychological Therapies Improve Life for Children with Post-Traumatic Stress Disorder

post-traumatic stress disorderPost-traumatic stress disorder (PTSD) is highly prevalent in children and adolescents who have experienced traumatic events such as child abuse, violence, road accidents or natural disasters. In children, post-traumatic stress disorder can lead to delayed development and behavioral problems. More generally, it is associated with anxiety, depression and suicidal tendencies. The aim of this review was to examine the effectiveness of all psychological therapies for the treatment of post-traumatic stress disorder in children and adolescents.

In this first systematic review of post-traumatic stress disorder (PTSD) in young people age three to eighteen, researchers found that children diagnosed with post-traumatic stress disorder showed signs of improvement up to three months following treatment.  The psychological therapies used in the review were cognitive behavioral therapy (CBT), exposure-based, psychodynamic, narrative, supportive counseling, and eye movement desensitization and reprocessing (EMDR).

However, no systematic review analyzing the potential benefits of these therapies has been undertaken until now. This review published in The Cochrane Library focused on 14 studies that together involved 758 children aged 3-18 suffering from post-traumatic stress disorder due to sexual abuse, violence, road accidents or natural disasters.

Most … Read More... “Post-Traumatic Stress Disorder Treatments Effective?”

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