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Here are some financial mediation tips.

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Here are some financial mediation tips.

Many divorcing or separating couples struggle to negotiate financial agreements, especially if they have children. This is problematic for couples with joint custody. Many well-intentioned family members and friends can provide bad counsel, and Google “fair financial settlement” will certainly yield many different responses and further uncertainty. Well-meaning family and friends often provide contradictory counsel. Contradictory counsel abounds, and even relatives and friends can give harmful advice. This blog post explains how mediation can help you reach a fair financial settlement. This strategy works 95% of the time. We’re aware.

The amount of mediation meetings depends on your financial condition.

It will be to your advantage to offer as much information as possible about your mortgages, property assessments, insurance or endowment plans, and other investments.

The mediator will also question about overdue bills. They’ll ask about your financial condition, which may help you plan for the future. They’ll question your finances.

Start gathering financial information well before the first mediation session.

Family law ensures that your long-term requirements are satisfied and that any arrangement prioritises the children’s care.
We can help cohabiting couples who want to use mediation to discuss their money. Even though cohabiting couples don’t have the same legal protection as married couples, the mediation process might nonetheless evaluate the couple’s money. In today’s modern world, cohabitation is more popular than marriage. Unmarried couples who cohabit might share duties and finances like married couples for years. If you and your spouse have chosen to separate after living together, mediation may help you sort out how to handle your money in the future.

A chat about your money and solutions might be beneficial in mediation. During mediation, many people might reach an agreement regarding the distribution of funds after a divorce. When it comes to financial mediation, one of the most often concerns we hear is, “Which cash and assets are protected, and what should the client bring?”

You can compromise on anything you deem acceptable. For a financial consent order to be granted, the court must agree that you’ve reached a reasonable deal. If the court doesn’t think you’ve reached a reasonable agreement, it won’t issue the order.

If both of you have submitted a detailed financial disclosure and sought family mediation or a family law counsel, the court may grant your request. If you can show that both are done, the court may allow your application.

One option is Capitol family mediation. Family mediation is often required before requesting a financial order from the court, and for good cause. In the next section, we’ll explain financial mediation.

How does financial mediation work?


MIAM

First, we’ll each have a private discussion. MIAM stands for Mediation Information and Assessment Meeting. We must complete this procedure with each of you separately (though you may bring a support person), either online or at one of our family mediation offices. If you have questions, please contact us. Most individuals think holding this first MIAM online is more convenient and faster.

Our website’s “What is Family Mediation” page has a flowchart that details the procedure.

After you and your spouse complete MIAMs, you can finalise your financial disclosure, unless an issue needs emergency mediation. Until the situation is resolved, mediation will continue. Financial Emergency

Some married couples may have a mortgage payment they can’t afford, along with other critical expenditures. This must be done before they may disclose financial details or split assets. In certain situations, you and your family mediator may opt to participate in joint mediation to explore and negotiate a resolution to the pressing issue(s).

Disclosing

If there’s no emergency, you’ll have to file a joint financial declaration.

You may publish financial information in three ways.
Form E disclosures

This comprises bank statements spanning a year. Complete this form to obtain a financial order from the court. Each party must complete and sign their own Form E, certifying its accuracy. If you supply inaccurate information on your Form E, you may be committing fraud, and obtaining a financial order in court may be difficult. Do not give false information on your Form E to avoid difficulties. Here, you can view or download the form.


If you can’t agree on the method of disclosure, you must file Form E, option 1, as a court expects. If you can’t agree, complete Form E, choice 2.

Why must we provide you financial details?

If you want a legally binding agreement, consider a financial consent order. Only by writing a legally binding agreement can you guarantee a clean separation and protect both parties. You must both engage in this financial disclosure to get a court-approved consent decree that cannot be questioned or reversed. We’ll consider the order authentic after that.


Financial disclosure acknowledgment and consent

This is important to the procedure. You and your partner must make a financial disclosure and agree on it before seeking a financial settlement. The judge will order you to comply if you don’t. If you behave unfairly or irritate the process, they might consider this when allocating legal expenses and considering the case’s conclusion. This is true even if you’re operating illegally.

Your financial mediator will walk you through your financial disclosures and ensure you both understand them. Because it’s impossible to continue financial mediation without a comprehensive financial picture, we ask that you have all of your financial information, including pension values, on hand. It’s hard to continue mediation without a complete financial picture. If the topic is parenting, don’t mention this.


If they had all the material from the outset of mediation, they may have developed opinions after being fully informed. Both might have saved money and time by doing this.

Back-and-forth disclosures

The final stage is to exchange financial information. This step can occur before or after the financial disclosure session indicated previously in this paragraph. This step is optional. Your financial declarations won’t be analysed, and the mediator won’t store bank statements or other paperwork. This covers all mediation proofs. They’ll keep track of everything you’ve sent and keep a copy of each transaction.

If you and the other side communicate financial information before mediation, you can have legal assistance. Your scenario may benefit from this. If not, you can consult this information between sessions if you need a legal compass. You can’t disagree if this is true.

How should we split assets and obligations?

Now, answer the following question:

“How can we share our assets and obligations fairly so we can both go forward and satisfy our needs?”

If you and your mediator can work together to find a solution, you’ll have a higher chance of achieving a just, decent, and manageable agreement than if you ask, “How can I get the most out of this situation?” If you and your mediator can work together to find a solution, you will have a far higher chance of establishing a just, good, and To be honest, family law does not support the second question.

Your mediator will identify your needs and how to meet them using available resources. After that, they’ll assist you to reach a deal. The chart below shows the criteria a court considers when reaching a settlement and those that are rarely considered. This might help you prioritize.

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Facts You Didn’t Know About Pilonidal Cysts

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Facts You Didn't Know About Pilonidal Cysts

Anyone can develop pilonidal cysts, but they often affect young men. These cysts may limit your ability to sit, move around or stand without pain and discomfort. Fortunately, Wound Evolution- Wound Care and Hyperbaric Medicine offer Pilonidal Cysts Overland Park medications to give relief from painful symptoms.

What should you know about pilonidal cysts?

A pilonidal cyst refers to an abscess that develops in the crease of your buttocks. These fluid-filled sacs are often due to a skin infection, and they frequently contain ingrown hairs. These boils are more prevalent among young men and tend to be recurring.

 A pilonidal cyst can cause debilitating pain, particularly when sitting. In the past, people referred to pilonidal cysts as “Jeep driver’s disease, ” which often occurred in individuals who often sit. These abscesses may not cause any symptoms, but infection is imminent, making it crucial to seek medical care to prevent complications.

Who is at risk of getting pilonidal cysts?

Anyone can develop a pilonidal cyst regardless of sex, gender, or race, but some individuals have higher chances of getting them. The following factors may elevate your risk of getting these painful boils:

  • Living a sedentary or inactive lifestyle
  • Being obese
  • Rough or thick body hair that can puncture your skin
  • Wearing tight clothing

If you also have an occupation that involves prolonged sitting, you may be at risk. It is advisable to take short walks or stand for a while after sitting for several hours.

How can your doctor diagnose pilonidal cysts?

During your visit to Wound Evolution- Wound Care and Hyperbaric Medicine, the specialists may conduct a comprehensive physical exam to understand your health condition better. They may also discuss your symptoms and review your health history. You may need to pull down your pants and lie on your stomach on the exam table in preparation for your exam. The team is professional and only focuses on the abscess causing your discomfort. Pilonidal cysts are usually visible, and they often look like oozing cysts or pimples near the crease of your buttocks. Your physician may order MRI or CT scan to detect any sinus cavities in rare cases.

What are the complications associated with pilonidal cysts?

Some people may not experience the symptoms of pilonidal cysts until they are filled with fluid and make it difficult to sit without wincing. If these cysts are left untreated, they may develop infections that affect your overall health. Pilonidal cysts may develop into abscesses resulting in excruciating pain that may affect your concentration in school or work. These cysts may contribute to rare skin cancer known as squamous cell carcinoma in rare cases.

Fortunately, you can protect yourself from these frustrating cysts by practicing good hygiene to prevent the development or recurrence of pilonidal cysts. Avoid sitting for prolonged periods or exerting excessive pressure on your tail bone. Achieving and maintaining a healthy weight may also prevent the occurrence of pilonidal cysts.

Call the Wound Evolution-Wound Care and Hyperbaric Medicine office or schedule an appointment online to learn more about pilonidal cysts.

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Muhammad Tahir Lakhani Demands UAE Sharjah Emirate Replaced

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Muhammad Tahir Lakhani Demands UAE Sharjah Emirate Replaced

Muhammad Tahir Lakhani

In an interview last week, Mr. Muhammad Tahir Lakhani, the highly respected chairman and founder of Dubai Trading Agency LLC (‘DTA’), lamented the “urgent requirements” of the United Arab Emirates to enhance transparent business practices.  The Dubai based naval recycling tycoon, who carries various including officially representing the UAE as Vice Chairman of the UAE Shipping Association until 2019, stated that the “UAE needs to further reform its local laws and institute robust legislation that will crack down on money laundering and criminal activities”.

Mr. Lakhani, who’s companies buy and sell over 100 ships per year, had an interesting perspective of the Emirati kingdom’s political leadership.  “The recent passing of UAE President Sheikh Khalifa bin Zayed al-Nahyan, while tragic, should also be viewed as a very positive development” he said.  “This opens many opportunities for his successor, Sheikh Mohammed bin Zayed Al Nahyan, to aggressively tackle financial criminality by imposing tough sentencing on so-called real estate investors and banking executives involved in money laundering.  This can only be achieved through strict leadership and adherence to global standard banking regulations”.

While espousing the family and business ethics of the Lakhani business empire MTL (as he is known to close associates), the businessman lambasted one of the seven Emirates that make up the UAE.  “Sharjah, the third-most populous city in the United Arab Emirates with over 1.3 million residents, has become an embarrassment to the UAE”, Lakhani stated while explaining, “Sharjah’s ruler, Sultan bin Muhammad Al-Qasimi, leads a district with an unusually high crime rate of 40%. In contrast, the crime rate of Dubai is 12% while Abu Dhabi’s is 6.59%.

According to Lakhani, the 40% high crime rate of Sharjah is due to corruption within the Emirate leadership’s family along with the failure of the head of the areas police chief, Major-General Saif Al Ziri Al Shamsi, to proactively combat crime. 

“To emphasize the perverse mindset of the head of Sharjah’s law enforcement, Al Shamsi recently handed out awards to police officers for reducing the crime rate from 43.25% to 39.95%.  In simpler words, the police department literally celebrated offering citizens a 60% chance of falling victim to crime.  As a result, the area is known throughout the entire Emirates as the breeding ground for criminal gangs and to western intelligence agencies as the prime recruitment center for terrorist groups”. 

Lakhani complains the police department under Maj. General Al Shamsi’s orders purposely ignore cracking down on the illegal Halwas (money dealers) located within the city which allow for money laundering and criminal activity to flourish.

MTL further claims the leadership refuses to address the social disaster pertaining to hundreds of thousands of immigrant workers living in poor conditions. “While cities like Dubai and Abu Dhabi boast skyscrapers and beautiful contemporary architecture, Sharjah’s crime rate is synonymous with that of the ‘Wild West’, and the city’s dilapidated housing infrastructure is reminiscent to those of eroding sandcastles in the desert.

Lakhani uses the criminal activity of the Sharjah leader Sultan Bin Muhammad Al-Qasimi sons to describe the family rule over the district.  “The Emir’s eldest son and first crown prince Sheikh Mohammed bin Sultan al Qasimi was a known drug dealer and died of a heroin overdose in 1999.  His untimely death to drugs was not an isolated incident, rather if anything, a family practice” says Lakhani while explaining  “Last year, the Sun Newspaper reported the Sharjah leader’s second son and replacement crown prince Sheikh Khalid bin Sultan al Qasimi also died after consuming a large quantity of drugs and participating in sexual orgies”.

Lakhani questions “If the 82-year-old leader of Sharjah can’t control the drug use and sexual misconduct of his own family, how can he be expected to educate the youth, reduce the crime rate of his own district, or promote economic and social growth?”

The DTA chairman, who was born in Pakistan and holds British citizenship continually bemoaned the slow progress of reform in the UAE and pointed out that “In March of this year the global Financial Action Task Force put the UAE on a grey list which is a major embarrassment to the UAE and a slap in the face to Dubai”.  Lakhani further noted that “although the UAE Minister of Justice, Abdullah bin Sultan bin Awad Al Nuaimi, has celebrated the recent arrest of the Gupta brothers for financial crimes, so much more has to be done”. 

The UAE is behind other developing countries in combatting money laundering, and Muhammad Tahir Lakhani claims that even his native Pakistan is showing more initiative than the Emirates in fighting the scourge of corruption.

“The corrupt government of Imran Khan was brought down by a vote of confidence in parliament.  This is the first time to happen in Pakistan’s history. The courage of Prime Minister Shahbaz Sharif has been an inspiration for all Pakistan’s young people.  The UAE needs to follow suit before it’s too late”. 

MTL concluded his point by stating “to build confidence amongst the youth and eradicate the unusual high crime rate in Sharjah, leaders like Sheikh Mohammed bin Rashid Al Maktoum of Dubai and the newly crowned emir of Abu Dhabi, Sheikh Mohammed bin Zayed Al Nahyan, must consider taking concrete steps to remove the Al-Qasimi family from their leadership role in the Sharjah district while also replacing the city police chief Major-General Saif Al Ziri Al Shamsi in effort to restore law and order.”

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Common CPAP Machine Problems

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Common CPAP Machine Problems

Continuous positive airways pressure (CPAP) is a common device that specialists prescribe to patients with sleep apnea. It works by sending a steady flow of pressurized air into the nose and mouth to keep your airways open and help you breathe as you sleep. However, patients may experience using the device; common problems associated with a CPAP machine include a stuffy nose, dry mouth, leaky mask, and trouble falling asleep. Usually, CPAP clinic Bridgewater can be adjusted to make it more comfortable, but you have other options if it does not work for you. Below are common CPAP problems and what to do about them.

Difficulty tolerating pressurized air

If you have problems tolerating forced air, try using a machine with the ramp feature, a setting that allows you to start with low air pressure. As you fall asleep, the device gradually increases the air pressure depending on your prescribed settings. If this does not help, discuss using a machine that automatically adjusts pressure with your doctor. For example, a bi-level positive airway pressure machine delivers more pressure when you inhale and less when you exhale.

Wrong size and style CPAP mask

It is common for people to have masks that don’t fit properly; you can avoid this by working with your healthcare provider to ensure that the CPAP mask fits properly. People have different face shapes, so what is the right size and style for someone else may not be ideal for you. If you prefer to breathe through your mouth as you sleep, your doctor may recommend a full face mask covering your mouth and nose, with straps stretching across the cheeks and forehead.

Although they make some people feel claustrophobic, they are effective and provide a stable fit if you constantly move in your sleep. Patients who feel claustrophobic with full face masks can use those that cover less of their faces. However, nasal pillow masks do not offer much support, especially if you move around in your sleep.

Dry, stuffy nose

A dry or stuffy nose is primarily due to a leaky mask; therefore, ensure that your CPAP mask fits properly. If you have to tighten your straps, consider getting another size of the mask. Some CPAP machines have a heated humidifier that you can adjust. Your healthcare provider may also recommend using a nasal saline spray at bedtime to ease a dry, stuffy nose.

Difficulty falling asleep

CPAP masks can be uncomfortable, making it difficult to fall asleep. You can get used to how the mask feels by wearing it for some time during the day. If you can’t sleep with a mask, try using a machine with a ramp feature that allows you to adjust air pressure. Adjust it to the level you are comfortable with; that may help you fall asleep. You also want to follow healthy sleep habits, such as avoiding caffeine before bedtime. Exercising regularly and taking a warm bath before bed can also help you fall asleep.

If you have questions about continuous positive airway pressure (CPAP), consult your healthcare provider at Respacare.

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