By Susan Willis

When your marriage is facing a few problems, most people would tell you to ride things out. They would say that problems, especially in such a complex arrangement as marriage, are par for the course. And, that is good advice.

However, when your marriage begins to face so many problems for such as long time that no solution seems to be in sight, then you really need to get on the ball and start exploring your options. You are not doing yourself, your spouse, or your kids (if you have kids) any favors by just grinning and bearing it when the situation in your marriage becomes too impossible to live with day-to-day.

The good news is that, in todays self-help-oriented world, there is a huge range of options for people involved in marriages that are not working. The options range from self-help books & seminars, marriage counseling, and the support of family and friends .. . all the way to separation and divorce.

If you are wondering, Is separation good for my marriage?, check out these 3 pros and cons of separation:

3 Pros of Marriage Separation:

Here are 3 potential benefits to marital separation:

Pro #1: Get some breathing room:

Marital separation provides you with the chance to live apart for a while as you work out your problems, seek counseling, and take a break from the constant discomfort and fighting. Basically, you get a chance for some breathing room and to clear your head.

Pro #2: Keep legal and financial status of a married couple:

Separation allows you to remain married in the eyes of insurers, financial companies and others who consider you married. All benefits remain in effect with the two of you still being considered a married couple. This is a huge benefit to separating as opposed to divorce, in the eyes of many couples.

Pro #3: Experiment with being single:

Another advantage is the ability to try on for size what it would be like to be single again, without your spouse around.

3 Cons of Marriage Separation

Here are three potential drawbacks to separation:

Con #1: It is one step closer to divorce:

A large number of couples who go through separation end up getting a divorce. Without taking the time to educate yourselves about how to make the relationship work, the marriage could just fizzle out.

Con #2: Your spouse may date others:

If you are concerned about preserving your marital fidelity, separation may not be the best choice for you. In many such situations, one or both of the spouses end up dating other people. Of course, this depends in part upon the agreements you have made with each other, as well as how trustworthy each of you is.

Con #3: It can be very hard on other people who are involved in the situation:

We all recognize that we live within a web of relationships. Extended family, friends, and of course any children you have will be directly and potentially deeply affected by the act of separating.

Consider these 3 pros and 3 cons of marital separation as you decide the best course of action for moving forward.

About the Author: Get advice on saving your marriage from a relationship expert who has saved thousands of marriages at:

How to Save Your Marriage

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Source:

isnare.com

Permanent Link:

isnare.com/?aid=594505&ca=Marriage

July, 2014 byadmin

The purpose of homeowner’s insurance in Suffolk County NY is to protect you against financial losses. You pay a fee to your insurer, which is a small, measurable loss, to protect yourself from the potential of a large, unexpected loss later. If you own your home and continue to pay property taxes, you can do as you choose with your home -; but you’re also responsible for repairs. This responsibility is the primary reason why home insurance is such an important investment.

What’s not Covered

According to surveys, homeowners aren’t really sure of what’s covered by their policies. One-third of all homeowners believe that a standard policy covers flood damage, and almost half think that they’re covered if a water main breaks. 35% believe that home insurance covers earthquake damage, and slightly less than that number think that mold damage is covered. However, perils not covered typically include:

1. Floods2. Earthquakes3. Mold intrusion4. Damaged parts of the property such as plumbing, wiring, roofing and heating/AC units5. Wartime acts

What is Covered

Homeowner’s Insurance policies are written so that damage must be accidental and sudden in order to be covered -; meaning that a slow leak, causing damage over months or years, isn’t covered. If your roof collapses due to age, and not from wind damage, it’s likely not to be covered. Perils covered by a home insurance policy usually include:

1. Fire2. Tornadoes and hurricanes3. Theft4. Hail damage

Liability Insurance

Many insurance policies include liability coverage. Some people think that they’re careful enough to not need it, but this coverage is necessary. If a neighboring house burns down because of an unattended grill, you’re responsible for the damage. You pay a premium each month so that you’re covered in the event of a large claim, such as if someone’s hurt while in your house.

Home Based Businesses

In most cases, home businesses aren’t covered under standard homeowner’s insurance in Suffolk County NY area. For that, you’ll need a business or commercial policy to properly cover business areas and their accompanying liabilities.

Some insurers offer policies at what seems like an impossibly low rate. If the company is unfamiliar and its rates sound too good to be true, they probably are! Get the highest quality coverage you can afford, because in the end, cheap coverage can be more expensive than you think.For more information, visit