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Will You Add? - Rhode Island Divorce Mediation: What Is It, Really?
In the excitement that comes with leasing a vehicle, you may not be considering how your current auto insurance requirements may change. However, an auto lease will often carry some important insurance requirements that are part of the lease agreement. You can avoid unpleasant surprises if you plan for the change in your auto insurance situation before you finalize your lease.When you are driving a leased vehicle, it still belongs to the leasing company. They will want to make sure that their vehicle is covered for physical damage in case of an accident. In addition, they will also want to make sure they will be covered in case of any liability if you are found to be at fault in the accident. You will be required to carry comprehensive and collision coverage on the vehicle, which will cover it for physical damage, usually with no more than a $500 deductible. If you are carrying a higher deductible on your current policy, be prepared to possibly pay more on your auto insurance for the lower deductible.Your liability limits will usually need to be $100,000 per person and $300,000 per accident. This means your insurance company will pay up to the total amount per person injured if you are at fault, and a total amount for the whole accident, regardless of how many people are injured.Auto insurance liability is an area where you many need to make an adjustment to your current policy. Many people only carry what their state requires for liability auto insurance. However, you should probably always have this higher liability coverage in place, whether you are leasing or not, as you want to sufficiently protect yourself from accidents and lawsuits. If your insurance policy doesn't have enough to cover the damages, the money will, in many cases, come out of your pocket.Getting an auto lease is a good time to start shopping around and comparing auto insurance quotes. The financing company may offer insurance, but you can usually get
Your Spouse: But that's what this divorce is all about?
Counselor: I can completely understand that you feel that way, and if I didn't know better I'd probably agree with you, yet in the end this is all about a relationship that has broken down and can't be fixed. When that happens people go through a legal divorce proceeding. What we're here about today and what you both hired me to do is to try to see if we can reach some common ground to go your separate ways fairly.
Your Spouse: Well, I want it all.
You: All of it?
Your Spouse: I think it's only fair since you cheated on me.
You: Are you crazy?
Your Spouse: You should have thought of that before finding another bed to sleep in.
Counselor: [Interrupting the squabbling] Are we done?
You and Your Spouse: Done? What are you talking about?
Counselor: We're done, right? You two just want to hurt each other so we're done, right? I've earned my fee and you can go into court and just scream at each other.
You and Your Spouse: No... [you] . No. [your spouse].
Counselor: Then let's look at things here. Is this a fault divorce?
Your Spouse: No it's not. My attorney says I should file based on irreconcilable differences. But I deserve something.
Counselor [To Your Spouse]: Well perhap
We have a client that just terminated the sales person after 10 months for non performance. Why did it take so long, you ask, to terminate this person? Well, the client was very interested in making sure that it did everything possible to work with this sales rep in order to enhance their performance. But in retrospect, it should have been about 4 months ago or so that the client fired this person. The reason why it hung on was because the company was waiting and hoping that a different result was going to come by just providing some more time to the sales representative. What's the key lesson here?It is when you can see that a sales person's not performing and that you can see that they're not making steady progress in improving their sales activity and pipeline and actually closing business. The best rule of thumb is to act quickly, to let that kind of person go so that you can make room for replacing them with somebody who can be more productive. Many sales managers get attached to the individuals who are on their sales team. The process of building positive motivation and a “team spirit” can cloud the image of whether or not a sales person is actually performing. Sales management needs to make sure that it doesn't wait and hope too long for a sales person to get success before taking the necessary action to terminate and replace individuals who are non performers.But it's very easy for sales management to be clouded in their perspective on this subject, again, wishing, hoping and wanting the sales person to perform. Frequently, delay happens through the “non-performer” efforts to sell the sales manager on the fact that things are actually improving. On the case of our client, the sales representative actually spent a good portion of his time preparing and briefing management on trying to provide evidence that sales were actually picking up and that a full pipeline was right around the corner. So, this in one of the key things that
Divorce mediation typically involves you and your spouse agreeing that you will sit down with a third party as a mediator in an effort to reach an agreement that is acceptable to both spouses for the resolution of the divorce . . . or perhaps better referred to as the settlement of the marriage.
It remains controversial as to whether the mediator must be an attorney or whether another third-party good at negotiating solutions to family issues is sufficient. From the perspective of a Rhode Island lawyer who focuses his legal practice in the areas of Rhode Island divorce and family law I can see the pros and cons of using either. . . . and they are significant.
Consider this one example:
You and your spouse either know or agree that you will get divorced. Your spouse suggests that you can reach an amicable resolution by sitting down with a Rhode Island marriage and family counselor who has had success in helping couples find common ground deciding what to do to finalize their divorce.
You and your spouse go to this Rhode Island marriage and family counselor. A portion of the mediation session goes like this.
Counselor: [To Both of You] Now, I know this divorce isn't going to be easy for either of you but you both need to be able to survive and move forward with your lives after this is over, wouldn't you agree.
Parties: [Both nodding]
Counselor [to You] : Okay. Now I understand that you've been the main earner in the household, is that right?
You: Yes, that's correct.
Counselor [to Your Spouse]: And you work part-time to help out with the expenses when needed but you mainly use the money you make for your own personal spending money, is that right?
Your Spouse: Yes, that's about right.
Counselor [to You]: Now you have a college degree, is that right?
You: Yes
Your Spouse: And I have my high school diploma.
Counselor: And how long have you two been married?
Your Spouse: We've been together for 15 years and married for almost 12 years of that time.
Counselor: And during that time, who has been making what portion of the income for the most part?
You: I've made about 80 to 85% of our income.
Your Spouse: And I've made the remaining part. I think that is a pretty good estimate.
Counselor: Now in my experience only uncivilized and vindictive people go through a divorce and try to hurt their spouse. I don't think either of you fall into that group because you're here meeting with me today, is that fair to say.
Both You and Your Spouse: Yes.
Counselor [To You]: Okay . . . now you understand that your spouse is going to have a much harder time financially to make a go of it without your income, right?
You: Well, yes.
Counselor [To You]: And it's no secret that your spouse has been relying on you financially for the past 12 years to survive, right?
You: I guess so.
Counselor: Well, here you are getting ready to go through your divorce here in Rhode Island and it's important that we agree regarding the things we're discussing here today so it's important that we are sure about thing that we agree on so it's better if we don't guess. Has your spouse been providing mostly for her own support for the past 12 years?
You: No.
Counselor: Has your spouse been relying upon someone else other than herself for her financial needs?
You: Yes.
Counselor: Okay, can you give me that person's name and address.
You: Well, that person is me!
Counselor: Oh... there isn't anyone else?
You: Not that I know of.
Counselor [To Your Spouse]: Well, is there anyone else that you've been relying on for your financial needs?
Your Spouse: No.
Counselor [To You]: So is it fair to say that your spouse has been relying on you these past 12 years?
You: Yes.
Counselor [To Both of You]: Now you both realize that your divorce is going to change that, right?
You and Your Spouse: Yes we do.
Counselor [To Both of You]: And you both realize that your spouse is going to need to survive financially after this divorce, don't you.
You and Your Spouse: That makes sense.
Counselor [To Your Spouse]: Now you probably figured out already that you're probably going to have to work on a full-time basis and take care of yourself after this divorce is done. Have you considered that?
Your Spouse: Yes.
Counselor [To You]: And you've probably figured out that you're probably going to have to help your spouse financially for a time, right?
You: What?!?
Counselor [To You]: Well, your spouse has been relying on you for 12 years. We just talked about that a minute ago, correct?
You: Yeah. What's your point?
Counselor [To You]: And you agreed that you both need to be able to survive financially and be able to move on with your lives after this, right?
You: Yes I did, but. . . [trailing off]
Counselor [To You]: You didn't expect that you were going to support your spouse for 12 years and then just get a divorce and the family court would just let you walk away did you?
I mean . . . this is 12 years you've been doing this for your spouse. Doesn't it make sense that the Rhode Island family court is likely to tell you that you'll need to provide some financial support to your spouse for a bit longer so there is time to recover financially?
You: Well I didn't think I'd have to pay . . .
Counselor: But it makes sense, doesn't it? You supported your spouse for 12 years or more and you are the one that makes most of the money. Your spouse needs a little bit of time, probably a couple of years, to adjust to this huge change, get new job skills, work up to a full-time job and perhaps develop skills for another job.
You: Yeah but. . . [thinking]
Counselor: So you need to be prepared to help out for some period of time, it's only fair isn't it?
You: I suppose so.
Counselor: Now you've built up a pretty sizeable retirement account, do I have that down right?
You: Yes . . . I think it was about $175,000.00 as of the last statement.
Your Spouse: Let's keep in mind that there's some infidelity here.
You: Well you drove me to it. If you weren't so cold and distant I wouldn't have had to find someone who cared and could give me what I needed.
Counselor: Okay . . . let's remember that this isn't to try to resolve all of your personal issues, this divorces mediation session is for us to see what affect all of these things have had on you and how we can work out an agreement for your divorce. The idea is, what can we mutually agree upon so that we can help you move forward with each of your own separate lives after this is all over.
Your Spouse: But that's what this divorce is all about?
Counselor: I can completely understand that you feel that way, and if I didn't know better I'd probably agree with you, yet in the end this is all about a relationship that has broken down and can't be fixed. When that happens people go through a legal divorce proceeding. What we're here about today and what you both hired me to do is to try to see if we can reach some common ground to go your separate ways fairly.
Your Spouse: Well, I want it all.
You: All of it?
Your Spouse: I think it's only fair since you cheated on me.
You: Are you crazy?
Your Spouse: You should have thought of that before finding another bed to sleep in.
Counselor: [Interrupting the squabbling] Are we done?
You and Your Spouse: Done? What are you talking about?
Counselor: We're done, right? You two just want to hurt each other so we're done, right? I've earned my fee and you can go into court and just scream at each other.
You and Your Spouse: No... [you] . No. [your spouse].
Counselor: Then let's look at things here. Is this a fault divorce?
Your Spouse: No it's not. My attorney says I should file based on irreconcilable differences. But I deserve something.
Counselor [To Your Spouse]: Well perhaps
What does a Real Estate Agent Do? One of the most complex and significant financial events in peoples’ lives is the purchase or sale of a home or investment property. Because of this complexity and significance, people typically seek the help of real estate brokers and sales agents when buying or selling real estate. Real estate brokers and sales agents have a thorough knowledge of the real estate market in their communities. They know which neighborhoods will best fit clients’ needs and budgets. They are familiar with local zoning and tax laws and know where to obtain financing. Agents and brokers also act as intermediaries in price negotiations between buyers and sellers.Real estate agents usually are independent sales workers who provide their services to a licensed real estate broker on a contract basis. In return, the broker pays the agent a portion of the commission earned from the agent’s sale of the property. Brokers are independent businesspeople who sell real estate owned by others; they also may rent or manage properties for a fee. When selling real estate, brokers arrange for title searches and for meetings between buyers and sellers during which the details of the transactions are agreed upon and the new owners take possession of the property. A broker may help to arrange favorable financing from a lender for the prospective buyer; often, this makes the difference between success and failure in closing a sale. In some cases, brokers and agents assume primary responsibility for closing sales; in others, lawyers or lenders do. Brokers supervise agents who may have many of the same job duties. Brokers also supervise their own offices, advertise properties, and handle other business matters. Some combine other types of work, such as selling insurance or practicing law, with their real estate business.Besides making sales, agents and brokers must have properties to sell. Consequently, they spend a significant amoun
Your Spouse: Yes, that's about right.
Counselor [to You]: Now you have a college degree, is that right?
You: Yes
Your Spouse: And I have my high school diploma.
Counselor: And how long have you two been married?
Your Spouse: We've been together for 15 years and married for almost 12 years of that time.
Counselor: And during that time, who has been making what portion of the income for the most part?
You: I've made about 80 to 85% of our income.
Your Spouse: And I've made the remaining part. I think that is a pretty good estimate.
Counselor: Now in my experience only uncivilized and vindictive people go through a divorce and try to hurt their spouse. I don't think either of you fall into that group because you're here meeting with me today, is that fair to say.
Both You and Your Spouse: Yes.
Counselor [To You]: Okay . . . now you understand that your spouse is going to have a much harder time financially to make a go of it without your income, right?
You: Well, yes.
Counselor [To You]: And it's no secret that your spouse has been relying on you financially for the past 12 years to survive, right?
You: I guess so.
Counselor: Well, here you are getting ready to go through your divorce here in Rhode Island and it's important that we agree regarding the things we're discussing here today so it's important that we are sure about thing that we agree on so it's better if we don't guess. Has your spouse been providing mostly for her own support for the past 12 years?
You: No.
Counselor: Has your spouse been relying upon someone else other than herself for her financial needs?
You: Yes.
Counselor: Okay, can you give me that person's name and address.
You: Well, that person is me!
Counselor: Oh... there isn't anyone else?
You: Not that I know of.
Counselor [To Your Spouse]: Well, is there anyone else that you've been relying on for your financial needs?
Your Spouse: No.
Counselor [To You]: So is it fair to say that your spouse has been relying on you these past 12 years?
You: Yes.
Counselor [To Both of You]: Now you both realize that your divorce is going to change that, right?
You and Your Spouse: Yes we do.
Counselor [To Both of You]: And you both realize that your spouse is going to need to survive financially after this divorce, don't you.
You and Your Spouse: That makes sense.
Counselor [To Your Spouse]: Now you probably figured out already that you're probably going to have to work on a full-time basis and take care of yourself after this divorce is done. Have you considered that?
Your Spouse: Yes.
Counselor [To You]: And you've probably figured out that you're probably going to have to help your spouse financially for a time, right?
You: What?!?
Counselor [To You]: Well, your spouse has been relying on you for 12 years. We just talked about that a minute ago, correct?
You: Yeah. What's your point?
Counselor [To You]: And you agreed that you both need to be able to survive financially and be able to move on with your lives after this, right?
You: Yes I did, but. . . [trailing off]
Counselor [To You]: You didn't expect that you were going to support your spouse for 12 years and then just get a divorce and the family court would just let you walk away did you?
I mean . . . this is 12 years you've been doing this for your spouse. Doesn't it make sense that the Rhode Island family court is likely to tell you that you'll need to provide some financial support to your spouse for a bit longer so there is time to recover financially?
You: Well I didn't think I'd have to pay . . .
Counselor: But it makes sense, doesn't it? You supported your spouse for 12 years or more and you are the one that makes most of the money. Your spouse needs a little bit of time, probably a couple of years, to adjust to this huge change, get new job skills, work up to a full-time job and perhaps develop skills for another job.
You: Yeah but. . . [thinking]
Counselor: So you need to be prepared to help out for some period of time, it's only fair isn't it?
You: I suppose so.
Counselor: Now you've built up a pretty sizeable retirement account, do I have that down right?
You: Yes . . . I think it was about $175,000.00 as of the last statement.
Your Spouse: Let's keep in mind that there's some infidelity here.
You: Well you drove me to it. If you weren't so cold and distant I wouldn't have had to find someone who cared and could give me what I needed.
Counselor: Okay . . . let's remember that this isn't to try to resolve all of your personal issues, this divorces mediation session is for us to see what affect all of these things have had on you and how we can work out an agreement for your divorce. The idea is, what can we mutually agree upon so that we can help you move forward with each of your own separate lives after this is all over.
Your Spouse: But that's what this divorce is all about?
Counselor: I can completely understand that you feel that way, and if I didn't know better I'd probably agree with you, yet in the end this is all about a relationship that has broken down and can't be fixed. When that happens people go through a legal divorce proceeding. What we're here about today and what you both hired me to do is to try to see if we can reach some common ground to go your separate ways fairly.
Your Spouse: Well, I want it all.
You: All of it?
Your Spouse: I think it's only fair since you cheated on me.
You: Are you crazy?
Your Spouse: You should have thought of that before finding another bed to sleep in.
Counselor: [Interrupting the squabbling] Are we done?
You and Your Spouse: Done? What are you talking about?
Counselor: We're done, right? You two just want to hurt each other so we're done, right? I've earned my fee and you can go into court and just scream at each other.
You and Your Spouse: No... [you] . No. [your spouse].
Counselor: Then let's look at things here. Is this a fault divorce?
Your Spouse: No it's not. My attorney says I should file based on irreconcilable differences. But I deserve something.
Counselor [To Your Spouse]: Well perhap
Many credit card companies use the term low APR to promote their credit card offers. But how do you know if the card you are applying for is really a low APR credit card? To determine whether this is accurate or not, you're going to have to look at the fine print of these claims.Here is some basic interest rate information to help you determine if a "low APR credit card" is really "high interest rate credit rip-off".Keep in mind that interest rates are variable. Credit card rates are set by adding a spread, or margin, to a base rate. Your base rate is often a widely used index rate, which is almost always a rate that changes periodically, without warning and for no reason.The spread that is added to calculate your rate depends on your credit history. If you pay your bills consistently and on time, the spread may be as few as 2 or 3 percentage points. If your credit history reveals that you make late payments, or have too much debt, the spread may be 5 or 6 percentage points or more.The advertised rate on a credit card is often the card's simple interest rate. The effective interest rate, however, is your true cost of borrowing and includes annual fees you pay to use the card. The compounded interest rate is a better barometer of your effective interest rate. For example, if your card has a rate of 12%, your monthly rate would be 1%. Because credit card interest is compounded monthly, the effective annual interest rate on a 12% simple-rate card is 12.68%. By doing a little research, you could save yourself a lot of money in interest in the long run.Note: This article may be freely reproduced as long as the authors bio paragraph at the bottom of this article is included, the article is published “as is” (unedited) and all URL’s are made active hyperlinks with no syntax changes.
You: No.
Counselor: Has your spouse been relying upon someone else other than herself for her financial needs?
You: Yes.
Counselor: Okay, can you give me that person's name and address.
You: Well, that person is me!
Counselor: Oh... there isn't anyone else?
You: Not that I know of.
Counselor [To Your Spouse]: Well, is there anyone else that you've been relying on for your financial needs?
Your Spouse: No.
Counselor [To You]: So is it fair to say that your spouse has been relying on you these past 12 years?
You: Yes.
Counselor [To Both of You]: Now you both realize that your divorce is going to change that, right?
You and Your Spouse: Yes we do.
Counselor [To Both of You]: And you both realize that your spouse is going to need to survive financially after this divorce, don't you.
You and Your Spouse: That makes sense.
Counselor [To Your Spouse]: Now you probably figured out already that you're probably going to have to work on a full-time basis and take care of yourself after this divorce is done. Have you considered that?
Your Spouse: Yes.
Counselor [To You]: And you've probably figured out that you're probably going to have to help your spouse financially for a time, right?
You: What?!?
Counselor [To You]: Well, your spouse has been relying on you for 12 years. We just talked about that a minute ago, correct?
You: Yeah. What's your point?
Counselor [To You]: And you agreed that you both need to be able to survive financially and be able to move on with your lives after this, right?
You: Yes I did, but. . . [trailing off]
Counselor [To You]: You didn't expect that you were going to support your spouse for 12 years and then just get a divorce and the family court would just let you walk away did you?
I mean . . . this is 12 years you've been doing this for your spouse. Doesn't it make sense that the Rhode Island family court is likely to tell you that you'll need to provide some financial support to your spouse for a bit longer so there is time to recover financially?
You: Well I didn't think I'd have to pay . . .
Counselor: But it makes sense, doesn't it? You supported your spouse for 12 years or more and you are the one that makes most of the money. Your spouse needs a little bit of time, probably a couple of years, to adjust to this huge change, get new job skills, work up to a full-time job and perhaps develop skills for another job.
You: Yeah but. . . [thinking]
Counselor: So you need to be prepared to help out for some period of time, it's only fair isn't it?
You: I suppose so.
Counselor: Now you've built up a pretty sizeable retirement account, do I have that down right?
You: Yes . . . I think it was about $175,000.00 as of the last statement.
Your Spouse: Let's keep in mind that there's some infidelity here.
You: Well you drove me to it. If you weren't so cold and distant I wouldn't have had to find someone who cared and could give me what I needed.
Counselor: Okay . . . let's remember that this isn't to try to resolve all of your personal issues, this divorces mediation session is for us to see what affect all of these things have had on you and how we can work out an agreement for your divorce. The idea is, what can we mutually agree upon so that we can help you move forward with each of your own separate lives after this is all over.
Your Spouse: But that's what this divorce is all about?
Counselor: I can completely understand that you feel that way, and if I didn't know better I'd probably agree with you, yet in the end this is all about a relationship that has broken down and can't be fixed. When that happens people go through a legal divorce proceeding. What we're here about today and what you both hired me to do is to try to see if we can reach some common ground to go your separate ways fairly.
Your Spouse: Well, I want it all.
You: All of it?
Your Spouse: I think it's only fair since you cheated on me.
You: Are you crazy?
Your Spouse: You should have thought of that before finding another bed to sleep in.
Counselor: [Interrupting the squabbling] Are we done?
You and Your Spouse: Done? What are you talking about?
Counselor: We're done, right? You two just want to hurt each other so we're done, right? I've earned my fee and you can go into court and just scream at each other.
You and Your Spouse: No... [you] . No. [your spouse].
Counselor: Then let's look at things here. Is this a fault divorce?
Your Spouse: No it's not. My attorney says I should file based on irreconcilable differences. But I deserve something.
Counselor [To Your Spouse]: Well perhap
Rates cannot determine allThe bottom line when it comes to insurance is not the rate. Most rates are incredibly competitive when all of the factors are included. Anyway, what good is a low rate if the company that you are paying a low rate to does not pay when you file a claim? This would make those lower rates look really expensive. To make sure that you get paid when a claim is filed here are some quick tips that will help you select the best company along with the best rate.Check the company history of complaintsOnce a quote is received you may have more than one company to choose from. With the database access capabilities of the internet we can now search complaint records for just about any company in the world. This is especially true with insurance companies since there is a scare of fraud on the part of the insured and the insurer. Search for complaints on a national claims database to see if any of your potential companies has an excessive amount.Keep in mind that all companies have had complaints at one time or another. Make sure that when you are doing these background checks that you take into account the number of policies that the companies have issued. For example if a company has 100 complaints but has issued over a million policies then it will be quite a bit more reputable than a company that has 25 complaints but that has only issued 13,000 policies. A great reference for checking these complaint ratios is your state insurance department.If the company has a low amount of complaints it is because it is very likely to pay on any filed claims.We hope these resources can help you get started and feel much more comfortable in analyzing your quote.
You: Yes I did, but. . . [trailing off]
Counselor [To You]: You didn't expect that you were going to support your spouse for 12 years and then just get a divorce and the family court would just let you walk away did you?
I mean . . . this is 12 years you've been doing this for your spouse. Doesn't it make sense that the Rhode Island family court is likely to tell you that you'll need to provide some financial support to your spouse for a bit longer so there is time to recover financially?
You: Well I didn't think I'd have to pay . . .
Counselor: But it makes sense, doesn't it? You supported your spouse for 12 years or more and you are the one that makes most of the money. Your spouse needs a little bit of time, probably a couple of years, to adjust to this huge change, get new job skills, work up to a full-time job and perhaps develop skills for another job.
You: Yeah but. . . [thinking]
Counselor: So you need to be prepared to help out for some period of time, it's only fair isn't it?
You: I suppose so.
Counselor: Now you've built up a pretty sizeable retirement account, do I have that down right?
You: Yes . . . I think it was about $175,000.00 as of the last statement.
Your Spouse: Let's keep in mind that there's some infidelity here.
You: Well you drove me to it. If you weren't so cold and distant I wouldn't have had to find someone who cared and could give me what I needed.
Counselor: Okay . . . let's remember that this isn't to try to resolve all of your personal issues, this divorces mediation session is for us to see what affect all of these things have had on you and how we can work out an agreement for your divorce. The idea is, what can we mutually agree upon so that we can help you move forward with each of your own separate lives after this is all over.
Your Spouse: But that's what this divorce is all about?
Counselor: I can completely understand that you feel that way, and if I didn't know better I'd probably agree with you, yet in the end this is all about a relationship that has broken down and can't be fixed. When that happens people go through a legal divorce proceeding. What we're here about today and what you both hired me to do is to try to see if we can reach some common ground to go your separate ways fairly.
Your Spouse: Well, I want it all.
You: All of it?
Your Spouse: I think it's only fair since you cheated on me.
You: Are you crazy?
Your Spouse: You should have thought of that before finding another bed to sleep in.
Counselor: [Interrupting the squabbling] Are we done?
You and Your Spouse: Done? What are you talking about?
Counselor: We're done, right? You two just want to hurt each other so we're done, right? I've earned my fee and you can go into court and just scream at each other.
You and Your Spouse: No... [you] . No. [your spouse].
Counselor: Then let's look at things here. Is this a fault divorce?
Your Spouse: No it's not. My attorney says I should file based on irreconcilable differences. But I deserve something.
Counselor [To Your Spouse]: Well perhap
You’ve done your planning and decided that you’ll need additional help. So how do you ensure that you get the best candidate through your door?All business owners need to understand the importance of human resource (HR) planning. HR planning is not a fancy term for large organizations to execute. Even small businesses need to ensure that their HR is in order to function properly. Failing to manage your HR properly could result in a shortage of manpower when you need it or too many manpower when you don’t need them and therefore incurring unnecessary cost.So, what is HR planning? Marketing has its 4Ps whilst HR has 6Rs. It is ensuring that you have the Right staff in the Right numbers, doing the Right job, at the Right time and at the Right place and most importantly, do the job right.Finding the right staff in the right numbers There are a number of options to manage temporary shortages in manpower. Firstly, you can hire part-time workers. They are a good option especially when you have a lot of children under half-day care. You can also think about engaging temporary employment agencies. This option is more suitable for less critical positions such as teacher assistants rather than the caregiver. The next option is to have your staff work longer hours and pay them overtime for it.For permanent manpower shortages, you’ll need to a recruitment campaign to hire. You can do this either via advertisement, referral or hire an employment agency to help you with it.Doing the right job at the right time and right place There are a number of factors to take into consideration to ensure that you hire the right person. You need to look indepth into a number of factors:• What will be the candidate’s duties and tasks. Try to be as specific as possible on the job duties that is required of the candidate. This information will come in useful when drawing up the advertisemen
Your Spouse: But that's what this divorce is all about?
Counselor: I can completely understand that you feel that way, and if I didn't know better I'd probably agree with you, yet in the end this is all about a relationship that has broken down and can't be fixed. When that happens people go through a legal divorce proceeding. What we're here about today and what you both hired me to do is to try to see if we can reach some common ground to go your separate ways fairly.
Your Spouse: Well, I want it all.
You: All of it?
Your Spouse: I think it's only fair since you cheated on me.
You: Are you crazy?
Your Spouse: You should have thought of that before finding another bed to sleep in.
Counselor: [Interrupting the squabbling] Are we done?
You and Your Spouse: Done? What are you talking about?
Counselor: We're done, right? You two just want to hurt each other so we're done, right? I've earned my fee and you can go into court and just scream at each other.
You and Your Spouse: No... [you] . No. [your spouse].
Counselor: Then let's look at things here. Is this a fault divorce?
Your Spouse: No it's not. My attorney says I should file based on irreconcilable differences. But I deserve something.
Counselor [To Your Spouse]: Well perhaps that's true yet isn't ALL of it a bit much?
Your Spouse: Not to me.
Counselor [To Your Spouse]: Okay... you say that you were cheated on, right?
Your Spouse: Yes I do.
You: It's not true though!! [very defensively].
Counselor: Okay, I'm not going to agree if it's true or not, but assuming it is true just for the sake of argument, how much did this affair... affect the value of the $175,000 retirement plan?
Your Spouse: How much did it affect the retirement plan?
Counselor: Yes.
Your Spouse: It didn't.
Counselor[To Your Spouse]: It didn't affect the retirement account at all?
Your Spouse: No.
Counselor [To Your Spouse]: Then why are you asking for all of it?
Your Spouse: Because I deserve it!!
Counselor [To Your Spouse]: Why?
Your Spouse: Because of the affair?
Counselor: So what you are saying is that if you were originally entitled to 1/2 of the retirement account that you are entitled to the other $87,500 because you were cheated on.
Your Spouse: [Hesitating] Well. . . . yes that's what I'm saying.
You: I did not cheat on you or have any affair!
Counselor: [Interrupting again] . . . You're hurt. I understand that. And maybe that is worth something financially . . . yet it just doesn't seem quite reasonable to ask for the whole retirement account when you even say yourself that the affair didn't hurt the retirement account or your part of it. A judge might give you half or a little more but I don't think a judge would give you all of it.
[Silence as Counselor thinks...]
Counselor [To Your Spouse]: Assuming just for the sake of argument that there was an affair and no damage was done to the retirement account as you've already said, what do you think is reasonable to ask a judge for.
Your Spouse: I don't know. I'm not a judge.
Counselor: Well what does any affair have to do with all the hard work and deposits that are made into a retirement account if you were to get 1/2 of it right off the bat?
Your Spouse: Well it doesn't have anything to do with it when you put it that way.
Counselor [To Your Spouse]: Okay, well we've agreed that you will need some financial help for a bit of time to get on your feet. Keeping that in mind, how much of the retirement plan would you agree to take in order to resolve this issue and get on with your life?
Your Spouse: 75 percent.
You: You are kidding me. For an affair I didn't even have?!?
Counselor [To You]: So that isn't acceptable to you, right?
You: No! That's robbing me.
Counselor [To Your Spouse]: Okay, is there a lesser amount that you might consider.
Your Spouse: Sure. Give me the whole thing and I won't take anything from you to get by until I get on my feet.
Counselor [To You]: What do you think of that?
You: [Thinking]
Your Spouse: Otherwise I'm going to go to court and ask for financial help for the next five (5) years plus 75% of your retirement.
You: [Frustrated] ..... Fine.
Counselor [To You]: Fine to what?
You: [Still Frustrated]: If I don't have to give her any extra financial help then she can have the entire retirement account.
Counselor [To You]: Are you sure? We're going to set this down in stone so this needs to be firm that you absolutely agree to this.
You: Yes... yes... yes... I agree. Let's move on.
In this Rhode Island Divorce mediation setting you can see the interpersonal skills of the Marriage and Family Counselor at work. The mediator tries to work with each party, keeps him or her focused on the issues at hand using excellent personal relationship skills and discusses the various positions without taking the side of either party. Logic and common sense are a part of the dialogue yet he or she does not use legal arguments. The parties are drawn together toward a resolution that each agrees upon that the parties agree will be committed to paper and signed as a resolution of their divorce issues.
The pros of a third-party divorce mediator with counseling and/or psychological skills but who is not law trained are seen mostly in the method used by the mediator/counselor to bring the parties together by agreeing in part with each of their positions, providing understanding and also redirecting the party to another way of thinking about a situation without taking on the role of being an advocate for the other party.
The con of using a third-party divorce mediator who is not law trained is the lack of practical family court experience and knowledge of the process. In this particular case, an attorney acting as a mediator for a divorcing couple would be inclined to call to Your attention that alimony in Rhode Island is rehabilitative in nature, may be very limited in time or scope and is also dependent upon Your income and other assets that may be available from the marital estate. This is something a third-party divorce mediator will not usually undertake since the objective of a mediator in this instance is simply to reach an agreeable result and not necessarily achieve a fair result based upon how a Rhode Island family court judge is likely to rule.
The pros of using a law trained mediator are obviously the cons of the third-party counseling divorce mediator. Law trained mediators (such as lawyers focusing their practice in divorce and family law) bring with them the realistic and practical real world results that come from seeing actual cases before the court. This would seemingly lead to a more equitable result or perhaps a result that is more in accord with a result that you might receive from a Rhode Island Family Court Judge presiding over your divorce. Agreements by law trained mediators are more likely to encompass a whole agreement which is dependent upon each of it's components (i.e. it is a package deal) in order to work as opposed to a bunch of individual elements that are segregated and agreed to one at a time.
The con of using a Rhode Island law trained mediator (i.e. Rhode Island Family Law Mediator) is the lack of any formalized counseling and/or psychological training which helps to facilitate the atmosphere where the parties are drawn together to reach agreement.
If at all possible a Rhode Island law trained mediator who is regularly practices before the Rhode Island Divorce and family court system and also has background in counseling and/or psychology is perhaps the best bet both for reaching an agreement generally and in particular for reaching an agreement that is an accordance what a Rhode Island Family Court judge is likely to order.
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