While medical expenses and job loss are the top two reasons for filing for bankruptcy, excess credit card use is easily the top third reason people file for bankruptcy. It can be very easy to buy something you want when you know all you have to do is swipe a card. Unfortunately, the items you are buying on credit have to be paid off at some point. If the items are not paid off within the month, then you accrue interest charges on top of the payments you already owe.
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You work hard your entire life. You pay your taxes and do what you are supposed to so that you can retire and enjoy the world around you. While you might not realize it, there are certain things that you might be doing now that could end up costing you big time when it comes to receiving your Social-Security-benefit payments down the road. To help ensure you get the maximum amount of benefits for your Social Security payment, avoid making one of these mistakes.
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Divorcing from a spouse with whom you have children is one of the most difficult types of divorce. But that doesn't mean it should necessarily be avoided; according to the American Psychological Association, high-conflict marriages are more damaging to children than divorce. And the way that a couple divorces can have a huge impact on how any children are affected.
Try An Amicable Divorce
If possible, it's a good idea to get an amicable divorce.
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If you have had your workers' compensation claim denied, you may be subject to arbitration. Arbitration can be a requirement of pursuing your claim and involves an attempt to resolve your claim outside of court. If you have been turned down for workers' compensation and have been notified that you should (or must) go through the arbitration process before filing suit, read on for more information about this process.
What is arbitration?
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Tradition dictates that the proposing partner in a relationship buy a big, sparkly engagement ring, and so far, the tradition has stuck. Couples paid an average of $4,000 for their engagement rings in 2012 when proposing. Even though your significant other may have initially said yes, it's not uncommon for an engagement to go sour. At that point, one of the main elephants in the room is who gets to keep the ring.
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