Health Care Coverage No Longer Bargaining Chip Pre-Existing Medical Conditions Are One-Reason Families Stay Together Through Bad Situations.

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Health care in the United States is a complicated issue in and of itself. Add Divorce to the equation and access to health care insurance becomes a bargaining chip in Divorce negotiations. With the Affordable Care Act, Divorce no longer requires one side to make financial concessions in order to keep health care insurance. The Affordable Care Act allows attorneys to better protect their client’s financial interests, as they no longer needto protect their client’s access to health care insurance.

When one party is the sole provider of the family’s income, that person is usually providing access to health care insurance through his or her employer as part of their employment benefit package. The breadwinner of the family now has an unfair advantage at the negotiating table. Individual Health Care policies purchased from the free market systems are exorbitantly expensive, have high deductibles and are frequently cancelled by the insurance provider without warning.

Since January 2014 the Affordable Care Act has made it possible for all Americans to have access to affordable health insurance. Pre-existing medical conditions are one reason some families stay together through bad situations. For those unhappy couples (particularly between 50 and 64 years of age with preexisting health conditions) you now have the option of dissolving the marital contract. Those pre-existing conditions are no longer a determining factor in keeping a bad marriage together.

When the employer’s insurance is adequate for all parties involved, COBRA might be the best option for the spouse that needs coverage. The cost of a COBRA policy varies depending on the employer. The COBRA party is responsible to pay the full cost of the premium plus a fee of no more than two percent. COBRA is limited to thirty-six months of coverage in the case of divorce or legal separation. When the thirty-six months of COBRA coverage runs out, a plan from the Affordable Care Act is available for purchase.

The employed spouse needs to provide COBRA information to the uninsured spouse he/she can compare their COBRA options with the Affordable Care Act coverdca. That will allow the uninsured party to compare plans and pick which plan will be best for their individual situations. The main variable when deciding on which health care insurance plan is best for you: Bronze, Silver, Gold or Platinum.

Divorces Rise as Economy Improves

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Recent Spike in Divorce Filings Tied to Economy

Like everything else, divorce statistics are cyclic. With the U.S. economy reportedly on an upswing after a six-year recession, couples continually unable to resolve financial problems are deciding to call it quits. The federal government’s National Center for Health Statistics reports a rise in divorce filings for the third year, reportedly signaling a recovery of the ‘great recession,’ which reportedly hit rock bottom in 2008. Finances are frequently one of the most common stressors in many relationships. Marriage further complicates many ‘financial issues’ faced daily if the couple is out of sync in their views and practices of  personal finance. While one partner in the marriage may be frugal with money, a partner who is reckless with finances could instigate financial woes that the couple must resolve together. If weathering the debt storm as a couple becomes impossible, the next step might be dissolution.

Many options are available for divorcing couples when both parties wish to remain amicable. Couples who are not able to end the marriage amicably will need a ‘traditional divorce,’ requiring an attorney who will fight their battle before a judge to protect their marital interests. Using a board-certified family law specialist to represent a party in the process allows for informed decisions about the dissolution process and settlement. Simple divorces can be complicated for litigants representing themselves. Because of this, many do-it-yourself cases languish in the court system for years.

Cooperative and Non-Traditional Divorce

Rent-A-Judge, Mediation, Collaborative are all non-traditional paths to divorce many couples take when they are agreeable to ending the marital contract. Divorce can affect the quality of a person’s  lifestyle for the rest of his/her life. So whatever method is chosen, it is necessary to be informed of the options and how they work.


Private judging, known as “Rent-a-Judge,” involves a private process in which divorcing parties give a private individual the power to hear and decide their case. Private judges are an ideal alternative for wealthy couples who want their dissolution settled privately, quickly and amicably.


Mediation is used to settle disputes as well as divorce while remaining flexible and confidential. With mediation, a neutral third party works with the couple to develop a settlement agreement. The neutral third party is known as the mediator. The mediator assists the couple in their decision making process. Mediators help keep the couple focused on the issues at hand while keeping them on track toward a settlement. Sometimes agreements come easy and sometimes they take time and a lot of work. When agreements are hard to reach, it’s the mediator’s job to intervene. Mediation has the ability to help the couple learn to communicate again and possibly make their post-divorce relationship better than their married one.

Collaborative Dissolution

Collaborative divorce was designed to resolve conflicts in a mutually agreed-upon process. Rather than turning the decision-making power over to a judge or other third party, control of the dissolution process is kept with the people directly involved in the marriage. Clients and their individual attorneys are at the heart of helping explore solutions for planning into the future. If children’s issues are part of the marital dispute, their needs are always placed first. Through the collaborative process documents are drawn up consensually and a settlement agreement is not signed until both parties are comfortable with the final agreement. The respective lawyers are disqualified from representing either party in any future family related litigation if the collaborative process fails.

When Divorce Requires Hiring An Attorney

If your situation requires the expertise of an attorney, remember that you must be prepared to share intimate details about your marriage, finances and personal life.  A big complaint about family court is that the process is too complicated and there are too many time consuming forms and procedures. Organizing your personal finances and important documents in chronological order will assist your legal team to help keep your finances intact and your legal fees down. Do not confuse your attorney with your therapist. When calling your attorney the time clock is ticking whether you have an actual legal question or if it’s just to complain about your spouse.

Your attorney should share your views and philosophy on divorce, especially if it is your intent to keep things cooperative and non-adversarial. If you make sure your lawyer understands you want an amicable divorce upfront, that’s what you will get from a board-certified family law specialist.


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Remember the good ole’ days when Uncle Sam was pounding the war drums threatening to blow Syria away and kill all the citizens as collateral damage, and all we were worried about was putting food on the table.  We read about it everywhere, all the talking news heads telling us how we should go in and bomb and kill, poison gas, Al Qaeda, Saudi Arabia, extremists, and all that stuff, and then…it all stopped.  Prez tucked his tail beneath his coattail, took an about face, and went about other presidential biz.

Of course, the mainstream media didn’t really cover the financial aspect of what was going on in Poland at the time, and how that might have a significant impact on the finances of Americans with families today.  Coincidence?  Probably not.  Most probably the central banksters who own all the mainstream media just didn’t want to bother us with the worry that Poland’s government was going to confiscate half of the country’s pension funds in a falsely futile attempt to delay an impending government debt crisis.  Hmmmm…where have we heard this one before?

Now, if in the Polish government’s lack of truth and wisdom they can further erode the foundation of family survival over there with such short-sighted policies, how long will it take for such short-sightedness to hit our shores?  The idea there was to transfer all bond investments in privately owned pension funds within the state-government system into the government pension system.  For now, the idea goes, private pensions in Poland will be allowed to keep equity investments, which in the Polish state-guaranteed pension system tend to be about half of all private pension investments.

The idea for show is to reduce the Polish national debt.  According to Polish government officials, with the slowing economic growth, grim job outlook, and declining tax revenues, Poland has been forced to borrow in an effort to maintain the country’s large social welfare system without imposing austerity measures.  Although they’re not calling it nationalization, for all intents and purposes, Poland is in the process of nationalizing all pensions.  Government officials have argued that the overhaul avoids the more radical options of taking both bond and equity assets away from the private retirement funds outright, which would be a more comprehensive government confiscation program. This move acts as a central bankster sponsored follow up financial indicator to what the Mediterranean island-nation of Cyprus did last year when, in an effort to raise 6 billion euros to meet a condition set by international banksters, they confiscated 10 percent of all bank accounts.

The nationalization of pensions is one more in a series of dominoes the central banksters will attempt to topple as they reach deeply into our pockets to take everything we’ve got.  If our families are going to survive this financial onslaught that is being levied upon us, we’re going to have to prepare for it.  We’re going to have to do the research, and make a plan.  And we’re going to have to eventually get rid of the parasitic central banksters once and for all.  After all, it’s either them or us.  And the central banksters have proven they don’t really care about our families.


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According to a man named The Gym, the fiat currency system, also known as debt-based banking, is the foundation of modern economies.  It is inherently unstable, and when it is subjected to too much stress, it collapses.  In other words, banking is what causes our family’s financial misfortunes; it is not a symptom thereof.

Although banks are initially funded through something called paid-in capital, that capital has nothing to do with the bank’s credit business of making loans.  In other words, the monies a bank uses to loan out has nothing to do with the paid-in capital that initially liquidates the bank.  The paid-in capital remains on the bank’s books as a separate deposit, but the money the banks use to make loans is literally created out of thin air.  It is no more (or no less) than an electronic entry on a computer screen.

The mechanics of the banking system we are dependent upon are really quite simple.  Banks take in deposits, and then pay to those deposit holders as low an interest rate as possible.  The banks then use a leverage of 10 or 15 times on the deposit base then loan out the aggregate leveraged sum at much higher interest rates.

Again, the money the banks loan out is not the depositors’ money.  It is the total deposit base leveraged 10 to fifteen times the original amount.  That amount is issued as credit in the form of loans.  The bank is thus in the business of creating debt by offering credit.  Because of the leverage, at any given time a bank has 10 to 15 times as much money out in loans as it has deposits on hand.

If a bank is struggling to keep its books balanced while trying to meet its financial obligations – which it might otherwise be unable to do utilizing its own means – it can borrow money overnight in the repurchase (repo) market from other banks.  It can also loan its excesses out and get an interest payment in return.

The unfortunate fallout from this system for those of us trying to support families is that our country’s economic and monetary system is dependent solely on debt and the repayment of that debt.  And the problem with that, of course, is that any debt-based system, to survive, must expand.  When it stops expanding, it risks dying.

There are two huge risks riding with any debt-based monetary system.  The first was witnessed through the banking crisis of 1929-33.  The bank run happens when too many people rush at once to get their money out of the bank.  There’s nothing left for those who don’t get there in time.  There was no banking insurance during the Great Depression, so 80% of American banks collapsed.

The second risk is that banks, along with their clients, will lose their money on the bank’s bets.  This is what was recently witnessed in Cyprus.  Greek banks owned the banks in Cyprus which all had large investments in Greek debt.  When Greek banks got in financial trouble, Cyprus in turn started accumulating big losses, because their deposit base had a huge amount of money, most of which happened to be Russian.  So the 10 to 15 times leverage on that huge deposit base was too big to handle, and it blew up in the Cyprus banks’ own faces, and the banks became bankrupt.  Then the predator central banksters moved in to collect their debt from the nation.

This is what happens when any financial bubble bursts, because the cause of every financial bubble is bank leverage.  When the bubble collapses the leverage is gone, but it still exists in a negative sense because so much more is owed than ever existed in the first place.  And it’s important to understand that collapses like this don’t just happen out of a vacuum.  Collapse is always a potential with the debt-based system, but it doesn’t become reality until the banks cannot meet their financial obligations.

Money is constantly being fed into our financial system via debt.  This debt continuously compounds.  It creates a necessity for the economy to grow and pay back the constantly growing debt.  Our system of creating massive amounts of money through printing is nothing more than debt in motion.  Debt is constantly moving, growing, expanding, becoming riskier.  It doesn’t just sit in the bank and multiply with interest.

And the real problem with bail-ins is that they will solve nothing.  They will just take our money, break us, and forestall the inevitable.  It is merely a last ditch effort by the planners of the system to keep it alive a little longer, to steal a little more.  And they will, for a while until they’ve taken everything from everyone – the savings, the land, the natural resources.  It’s already happening here.  This is where America’s economic and monetary system presently finds itself.  And this is where our family’s future stands, on the brink of collapse.


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This is probably the part that’s most difficult to understand; how central banksters can resort to taking our families’ savings out of our bank accounts via bail-ins when the world is actually being flooded with more liquidity in the form of money printing (quantitative easing) than at any time in history.  Really, how can that happen?

Here’s how.  The banks keep reporting losses, that’s how.  And it never seems to end.  As an indicator of what’s going to happen here in America, all we have to do is look over to see what’s happening in Europe.  After all, they are the precurser, financially, to what we’re going to witness here, right?  That’s because back in 2008, when America’s banking system, for all intents and purposes, should have failed, the U.S. found a way to make the huge debt payments, which in turn shoved the onus of the central banking failure domino over to Europe, so the central banksters could then prey on the European Nation by bankrupting their banks and collecting their debt in the form of land grabbing and natural resources.

Now their banks are beginning to creep further over the edge of the abyss, and the central banksters are rubbing their sweaty little hands together.  It’s being reported all throughout the banking system in Europe – and even the biggest central bankster of them all, the Bank of International Settlements (BIS), says – that less than a third of the largest of the international banks is able to rightfully fulfill its financial obligations.  Think about that for a moment.  Only about a third of the banks overseas are too big to fail.  And the problem with those same failed overseas banks is that they pose a real indicator for what’s about to hit the financial system here at home.  And rest assured that the system that privatizes gains but socializes losses and is about to come to an end in Europe, is about to do the same to us harboring hopes of family and future here in America.


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This coming year promises to be very interesting, to say the least.  There’s probably going to be about one thing that can be called a sure bet, and that’s that the central banksters are gonna try to take all our money.  It’s like the center spot of a bingo board, a gimme.  It’s our money in their banks (their system) and they feel they’re entitled to it.  Heck, they hijacked our banking system a hundred years ago, and they’ve been robbing us blind ever since, which most of us are clueless about it, so what’s the difference if they steal the rest of what we got?

Our families won’t survive it, that’s what.

This new year, out of their magical bag of money tricks, the banksters are going to introduce us to something called bail-ins, which is kinda opposite of the old bailout scheme, but the same.  With the old bail-out scam the feds used to just kinda use our tax dollars (the ones originally ear marked for the elderly, the needy, social programs etc…) to pay the banks so their executives could get their bonuses after they’d run the banks into financial ruin, where now with the bail-ins, they’ve come up with the creative way of avoiding our taxes altogether, since we don’t have jobs to make any money to pay taxes anyway, and then they just take it directly from our retirement, savings, and checking accounts that are occupying space on their greedy little computer screens.  Remember, it’s been done before, and quite recently.  Money just disappearing out of depositors’ accounts.  Just look at what they’ve been doing in Europe.

Cyprus did it.  Poland has done it.  And recently the Slovenian parliament approved bank bail-in rules, the eurozone is looking to introduce bail-in rules, and the UK based Co-operative Bank announced a bondholder bail-in rescue plan.  These events all come on the heels of the IMF (International Monetary Fund) proposing a super tax of 10% on savings accounts of households with a positive net worth in Europe.

This all adds up to bad news for Americans still trapped in the American banking system.  If we’ve got anything left in the new year, we really do need to figure out a way to keep it for ourselves, to, say, feed our families with, and keep it out of the central banksters hands, who are trying to use our money to feed their gardners’ mothers’ housekeepers’ Chihuahuas.  It’s either us or them folks.  We need to wake up this new year, and save our family, or we won’t have any family left to save.

From all of us at the Law Offices of Donna Santo, we wish you a safe and peace-filled New Year!!!


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T’is the season to be jolly.  And why not, it’s Christmas time, right?  We can afford to do what we want, take our families where they want to go, and be safe in all that we do.  Right?  For some, maybe.  For those that can afford it.  But the reality this Holiday Season is that most of us can’t.  Most of us are lucky if we can afford to put food on the table to feed our families.  There’s really no celebration for most of us.  It’s egoic.  It’s delusional optimism.

This Holiday Season moods are generally a little bit darker for very good reason.  Families are battling to survive.  Unemployment is at an all time high.  There is very little money trickling down into most folks’ pockets.  People are battling to get their bills paid.  Many of us are failing in health.  Our skin itches, our hearts ache, and our cells are being genetically modified by the chemtrails they spray on us, the GMOs they feed us, and the killer cells they vaccinate us with.

Just the other day I heard one poor, limping, old man, walking on a cane with discolored and swollen ankles, tell the nurse at the doctor’s office, “I think I’m slowly dying.”  And he was right.  We’re all dying slowly.  It’s part of the plan.  It’s called slow kill.  And while they’re doing their dirty deeds on us the central banksters are stealing everything we have, right from under our runny noses.  And it’s not because we’re asleep at the wheel, it’s because we’re being overwhelmed by the system.  And we have to fight back.  It’s literally a matter of life and death.  As Moe of the Three Stooges used to wax poetically, “We got to edumacate ourselves.”  We got to understand who’s fixing the screw to whom, and how.  And why.  And then we got to do something about it.  And the sooner the better, or we’re all going to become genetically modified zombies.  And that means our kids too.

We must understand that it’s all about them having everything, and us having nothing, if that.  We’re easier to control that way, we’re easier to eliminate when we’re sick.  It’s that master-servant thang for the survivors.  They, the central banksters, have all the money and corporations, the banks and the pharmaceutical and chemical companies.  We have sickness.  They also have all the banks, which are our lifeblood, and through which they control us.  Their central banks print up fiat dollars in the billions, ship them off to the other central banks at low interest rates, who in turn mismanage it well enough to divide amongst themselves.  And we foot the bill in the form of debt.  And the battle rages.  And the family suffers.

We battle amongst ourselves for scraps.  We battle for religion.  We battle for race.  We battle for police not to shoot us in the backs.  And where’s all the battling getting us?  It’s getting us shot in the back.  And that’s not really helping our families survive.  We’ve got to be much smarter than that, because if we’re not, our families will not survive into the next holiday season.  The truth is we must wake up, and we must do it fast.

We must understand that the real trench warfare of this battle for life and death is being fought right now in the financial arena.  That’s where the winners and losers in life are decided.  That’s where it’s decided whether our children will live or die, be sick or healthy, have futures in prison or not.  It’s the playground of our handlers.  And it’s critical for all of us to understand how America’s reserve currency system stands up against the realities of our family’s existence.

It’s reasonable to assume, first of all, that the central banksters, along with our government, do not want gold to go into backwardation.  That’s because if people understood what it meant, they’d want to own gold, and not the worthless paper the Fed prints up and calls the dollar.  Remember from our last time that according to James Turk, there are two types of backwardation, money backwardation and commodity backwardation, and they both apply to gold.  Backwardation is a mathematical result that reflects the cost of money as measured by the interest rates of one national currency relative to another.

The U.S. government does whatever it needs to assure that the U.S. dollar remains the world’s reserve currency.  However, presently, market forces appear to be prevailing over the United State’s central bank’s attempts at controlling interest rates.

All national currencies have an interest rate, and so does gold.  It’s called GOFO.  And this is the interest rate at which gold is borrowed or loaned.  The reason gold has an interest rate is because it is money.  The problem was that in 1971, the governments of the world, led by U.S. President Nixon and the Federal Reserve, tried to convince the world otherwise.  They went off the gold standard, confused a lot of people, but never really changed the fact that gold was money.

When one begins to realize that gold is presently in backwardation, and its interest rates are higher than the dollar, he or she will begin to understand why our buying power is going down the tubes along with the dollar.  The interest rates we are dealing with are a direct reflection of the risk of debasement of our national currency.  Since you can’t print too much gold, it cannot be debased like other national currencies.

So how could gold’s interest rate be higher than that of the U.S. dollar?

The answer is it can’t.  Not in a market that goes without government intervention.

“Gold backwardation is an abnormal condition,” Turk says, “but theory and practice are different things. It is extremely rare for gold to be in backwardation, but it does happen when governments intervene in the market process.”  This is where gold is different from other commodities such as oil, soybeans, and pork bellies, all of which are frequently in backwardation.  Gold has an interest rate, where all other commodities like sugar, corn, and lumber do not.  Their “cost of carry”, according to Turk, “to determine their future price is based mainly on warehousing fees that need to be paid for their storage.”

Another reason gold is money is because it is accumulated, where commodities are consumed and disappear.  Gold backwardation is a unique event.  It can’t happen in theory, but it does take place when governmental central bankster intervention loses its desired effect, and market forces overpower the government’s attempt to manipulate them.

Previously, gold backwardation has taken place twice, and both times market forces overpowered government interventions that were bent on manipulating interest rates.  Turk says that gold backwardation does occasionally occur in spite of government intervention “because central banks cannot print physical gold to alleviate demand pressures.”

A shortage in supply indicates that unless demand for gold slackens or the supply increases, the price will go up.  And right now, according to Turk, there is a “strong demand for physical gold” and “a decline in demand at current price levels seems unlikely.”  To contrast this, national currencies, the supply of which can be increased to any quantity by a flip of the printing press switch, physical gold only comes from two sources:

  • New mine production, and
  • Existing aboveground stock

Mine production yields are relatively insignificant.  And above ground stock of gold “grows consistently year after year by 1.8% per annum,” Turk says, which doesn’t come close to satisfying the current global demand.  Thus, the present shortage of gold can only be “relieved from its existing aboveground stock.”  The only way for that to happen is for the gold price to rise high enough “to entice people to exchange their physical metal for dollars.”  Which is what has happened every time gold has gone into backwardation in the past.

It seems safe to say, buy gold, now.  Physical, in pocket, in hand.  It’s stronger than currency.  It’s stronger than dirt.  And it can save your family.


From the Law Offices of Donna Santo, we wish a Merry Christmas to all, and to all a gold night.

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