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Keep your cool when your spouse asks for a divorce

Some people know that the end of their marriage is nearing, but when you hear your spouse ask for a divorce, you might become desperate to work things out. While this might be your focus, you should remember that you can't force it if the other person doesn't want to remain with you.

It is imperative that you keep your cool when you are told that you are facing a divorce. Becoming angry is understandable, but it might work against you. Instead, remember that there is time before the divorce will become finalized. You can address many of the issues you have during that time.

Understand how the automatic stay works in bankruptcy

When you are struggling to pay your bills, there is a good chance that some will fall by the wayside. This can initiate collection calls that become bothersome after a bit. Sometimes, creditors will outright harass people, but this isn't acceptable. You probably just want the constant contact to stop. One option that you have to take care of the past due bills and the creditor calls is to file for bankruptcy.

When you file, the court issues an automatic stay. This is an order that prohibits creditors who are included in the bankruptcy from contacting you. They can't call you, send you mail, email you or stop by your home.

4 effective ways to de-escalate road rage

Driving in the Baltimore area can be stressful. After all, you must contend with road construction, other motorists, heavy traffic and changing weather conditions. Unfortunately, though, you may also encounter an irate driver during your morning or evening commute. 

Alarmingly, more than 80% of drivers in a recent survey reported that they had experienced anger or frustration when driving. While gathering reliable statistics on road rage is challenging, many experts believe that aggressive driving is on the rise. If you come across an angry motorist, how you handle the situation matters. Here are four ways to de-escalate road rage effectively: 

Drowsy driving is deadly driving

As the seasons change, people sometimes suffer from sleepiness. This can be a huge problem for drivers because drowsy driving is often deadly. There are many things that can lead to fatigue, so drivers must ensure they don't let any of these impact them.

Around one out of every 25 drivers who are at least 18 years old admits that they have fallen asleep in the past 30 days while they were driving. These aren't all drivers who are in regular personal vehicles. Commercial drivers, including truckers, can also suffer from fatigue when they drive.

A combative ex can cause emotional stress during a divorce

You likely didn't make the decision to end your marriage because your spouse is such an amazing person. Instead, there are probably issues present that make it difficult for you to remain in a relationship with that person. Unfortunately, a difficult spouse is almost certain to make life difficult for you during the divorce.

Trying to protect your interests during this type of situation can be complicated. You might not know what to expect from them at any given point. This makes it hard to figure out what you need to do.

Using Chapter 7 bankruptcy for financial relief

Feeling like you are drowning in debt is one that you might not be able to overcome. For most consumers, there are two options for filing bankruptcy. These are Chapter 7 and Chapter 13, and each has its own guidelines.

The first question is whether or not your income is sufficiently low enough to qualify for Chapter 7. If your income is over the state median, you have to fill out a means test to determine if you qualify for this type of bankruptcy. The time since any previous bankruptcy case also matters.

Key mistakes to avoid making in child custody cases

Divorcing parents can become so focused on what they are going through that they forget about the kids who are watching their every move. When you are going through a divorce, you have to take steps that protect your children and set a good example as adults. There are several things that you should avoid as you are going through the divorce and child custody negotiation process.

First, you shouldn't adopt a "me versus you" mindset. Children want both parents to be at important events. They want both to be there for them when they are doing something they feel passionate about. When you decide that you are going to work with your ex, you can extend an olive branch that enables you to parent together with less conflict and stress.

Make a plan for your financial future even when you have debts

Being in debt can become a hopeless feeling when it gets to the point where the minimum payments are taking up most of your income. Just making ends meet can be a huge challenge. In some cases, it is impossible. If you are at the point where you think that all is lost, it is time to sit down and try to make a plan for your financial future.

One of the first things that you need to do is set a budget. You need to know your income and all the bills you have. After you do this, you can look into where you can save money. This might be canceling cable and other unnecessary expenses. You should then make a plan that accounts for every dollar you earn. Figure out how to put as much money toward your debts as you can. Start by paying off the lowest balance debt so that you can gain momentum to tackle the bigger ones.

Only children can thrive after their parents divorce

An only child has a special bond with their parents, especially since they are the only kid who gets attention at home. When you break the news that you are divorcing, they might immediately feel an anguish since they know it means that they won't see both parents daily. Not having siblings to help them through this time can be a challenge for them. Fortunately, kids are resilient, which can be beneficial for an only child.

If possible, both parents should try to keep a schedule that closely resembles the one the child is accustomed to. This can help younger children to see that there are changes but that most things they are familiar with will remain the same.

4 types of TBIs you may sustain during a fall

In the hot summer months, water seems to be everywhere. Whether walking beside a swimming pool, strolling in the park or shopping in a market, you have to worry about slips and falls. After all, if you sustain a traumatic brain injury, your fall is significantly worse than mere embarrassment. 

According to the Centers for Disease Control and Prevention, TBIs kill more than 150 individuals every single day in the United States. If you hit your head during a fall, your life may never return to normal. Here are four types of TBIs you may sustain during a slip and fall: 


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