Can I Date Once I am Separated from My Spouse?

You have been separated from your spouse for a while now.  You both want to move on with your lives.  You wonder....can you date?

In the state of South Carolina, there is no such thing as a "legal separation" as in other states, or like you hear on television.  South Carolina divorces are all based on "fault."  As a result, once you live separate and apart from your spouse, you may still be sued for a divorce on the basis of adultery.  The only way to not have to defend yourself from this fault based divorce reason is not give your spouse any reason to think or believe that you are seeing someone else.

As a family law attorney, it is my recommendation to those who are separated to take this time to get your affairs in your life in order.  This is a time to focus on you and your children if you have any and how you plan to move forward with your life.

Although there are certain circumstances where adultery allegations may be avoided, I advise seeking the advice of a family law attorney before you decide "to date" while separated, but not divorced from your legal spouse.

Control Abortion by Redefining Rape?

     Have you heard of the House Law, also known as H.R. 3?  In short, this bill is trying to limit the ways in which federal programs, like Medicaid, would be used to pay for abortions.  The issue in this write-up is not about the abortion issue.  The issue here is the way in which the government is trying to redefine the meaning of what is a rape as its means to an end. 

     H.R. 3 says that federally funded programs would kick in only in cases of forcible rape, a distinction from other forms of rape that is largely undefined but seems to suggest that a rape that doesn't include violence wouldn't count. The bill would also limit the incest exemption to women under the age of 18 -- meaning a victim of incest who was legally allowed to vote wouldn't have her abortion covered by Medicaid and would likely have more limited access to private insurance than she does today. 

    So if a man, woman or child is given a roofie and raped, is it forcible rape? What about the 13 year old minor and his or her adult teacher.....is that forcible?  What about those that are mentally incompetent?

   Would redefining rape in this instance give cause for rapists to state that if the federal government doesn't call it rape that the State Laws can't call it rape?  Is the government putting women and children particularly at risk?  I was always under the impression that No Means No!  However the sponsor of this bill and those who agree with him are saying No Only Means No if it's a forcible rape;  remembering that "forcible rape" is not a term that is defined by federal law. It would be very unfortunate to put into place a law with such vague and unclear language, not to mention dangerous. 

    The bill's sponsor is Rep. Chris Smith (R-NJ). Smith is a chair of the House Pro-Life Caucus, a bipartisan group of anti-abortion legislators  You can read the entire bill here. 

    I have enjoyed the rather zealousness at which our country has claimed its independence via the power of the vote. Sadly, I have also seen people vote out of fear and emotion, rather than by knowing exactly where our politicians stand on the issues.  I implore the women of the nation to be on notice.  If you are not, we may find ourselves repeating the same fight and battles as those who came before us!   Lines must be carefully drawn when trying to make limitations on one thing (abortion) will affect another (what is a rape?).  February is not only Black History Month, but it is the second year for the annual recognition of Teen Dating Violence Awareness Month!   As we ponder the words in this article, think of the children it will affect.  Teens face abuse at alarming rates as they are learning about relationships and growing into young men and women. 

     If you are in the State of South Carolina, and need more information about Sexual Assault/Rape and Teen Dating Violence please contact the South Carolina Coalition Against Domestic Violence and Sexual Assault or call the National Rape & Abuse Hotline 1-800-656-HOPE (4673) .

What is a Health Savings Account Anyway?

From HSACenter.com

A health savings account (HSA) combines high deductible health insurance with a tax-favored savings account. Money in the savings account can help pay the deductible. Once the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep.

Health Savings Account Advantages:

• Tax-deductible
  Contributions to the HSA are 100% deductible (up to the legal limit) — just like an IRA.
• Tax-free
  Withdrawals to pay qualified medical expenses, including dental and vision, are never taxed.
• Tax-deferred
  Interest earnings accumulate tax-deferred, and if used to pay qualified medical expenses, are tax-free.
• HSA money is yours to keep
  Unlike a flexible spending account (FSA), unused money in your HSA isn’t forfeited at the end of the year; it continues to grow tax-deferred.

Why High Deductible Health Insurance? To get the benefits of an HSA, the law requires that the savings account be combined with high deductible health insurance. High deductible health insurance costs less than traditional $250 or $500 deductible coverage because the insurance company doesn’t have to process and pay claims for routine, low-dollar medical care.

An HSA works in conjunction with high deductible health insurance.

Your HSA dollars can be used to help pay the health insurance deductible and qualified medical expenses, including those not covered by the health insurance, like dental and vision care.

Any funds you withdraw for non-qualified medical expenses will be taxed at your income-tax rate, plus 10% tax penalty in 2010 and 20% in 2011 if you're under 65.

Once you meet the calendar-year deductible, health insurance pays the remaining covered expenses in accordance with the terms and conditions of your particular plan. Some plans pay 100% of covered expenses after the calendar-year deductible is met.




For a quote click on the UnitedHealthOne Banner on this Blog!

Memoirs....By Katrina Fox

Congratulations to my colleague and friend on the recent publishing of her first book, Memoirs from the Potter's Wheel.  Go to her website to read her bio and purchase her book.  Good Luck and may you have many more publishing successes!

Don't Think You Need Life Insurance?

Scared to buy life insurance?  Listening to all of the cliches?  Life insurance is more necessary than many know.

 Read below, then Call Wendy M. Bowen, Attorney and Life Insurance Sales for more information.

 

Spare Some Change?

January 14th, 2011

by Beth Budreck, CLU

When I mention the words “life insurance,” people tend to scatter quicker than if I were a sketchy character asking for spare change. And while the holidays are over and the bell-ringers have all gone home, it’s never too late to spare a little change, particularly for your loved ones. As an insurance professional, I can spout statistics and evidence on the importance of life insurance, but I won’t. Instead I’ll let the stories speak for themselves. I have worked with these three women and want to share their stories of “spared change.” (I have changed their names to maintain their privacy.)
 Read More......