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Protect your credit score if you are going through a divorce

You worked hard to ensure that your credit score was where you wanted it. Now, you are facing the possibility of divorce. This means that you need to be extra careful about how you handle the divorce, property division and financial obligations now because there is a chance that the divorce and your ex will ruin your credit score.

One thing that you must remember when you are going through a divorce is that your creditors aren't bound by the terms of your divorce settlement. If your name is on an account, you can still be held responsible for the money owed even if your ex was told to pay the account during the divorce.

Being a single parent is a lot of work but it is manageable

Making the transition from a two-parent household to a one-parent household is a huge one for the children and the parents. It might seem like you don't have time to do anything and that you can't really focus on your children.

While it is true that being a single parent is more work, there are some ways that you can condense the schedule to help make things a little easier. Here are some tips to help you get started.

American holiday debt will hang around for a while

The holiday season is one that is associated with debt for many people. One of the issues with this is that many people have to think about is that they will have to repay that money at some point. The amount of debt that people went into for the holidays varied from as little as $1,000 while some charged more than $5,000 over the holiday.

When it comes to repayment, around half of people surveyed noted that they expect to have the debts paid off within three months. Around 29 percent said that they would need at least five months to pay the balance off.

Medical debt mistakes could lead to bankruptcy

Medical debt is one of the top reasons that people file for bankruptcy. It's hard to plan for an illness or an accident, medical care is incredibly expensive and many people find themselves facing insurmountable debt.

Part of the reason for that, though, could be medical debt mistakes that they make along the way. Three mistakes to avoid include:

Make plans now for your end-of-life medical care

Part of your estate plan is having a plan for your medical care in your final days. The way that you do this is by setting up an advanced medical directive and a power of attorney for health care. Together, these provide you with a plan for what is going to happen if you need medical decisions made when you are unable to make them on your own.

One thing that you need to do is to decide who is going to make decisions regarding your medical care if you can't speak up for yourself. This person should be given the power of attorney over your health care. Make sure that this person knows your wishes and can speak up about them when the time comes. They can't let their own feelings come into the picture when it is time to make decisions, so you might consider appointing someone who isn't related to you.

Pets are more like furry children under new law

Pet lovers in Illinois have a reason to rejoice. As of the first of 2018, pets will be viewed more like children instead of like property when a couple who has a furbaby goes through a divorce. Up until then, the family dog, cat or other pet was treated in the same manner as the painting above the sofa.

SB1261 goes into effect on the first of the year. This bill means that judges who are hearing divorce cases need to think about what is in the best interests of the pets when they make rulings about where pets will live. This puts pets on a similar plane as children in these cases.

Divorce rates skyrocket after the holidays

It appears that even couples who want to split up are willing to gut it out through the holidays. No one wants to spend Christmas in a courtroom, negotiating about who gets to spend time with the kids.

Divorce increases dramatically after the holiday season ends, with one study finding that filings go up by roughly 33 percent.

A spinal cord injury isn't a single event

Most people who think about a spinal cord injury believe that the injury is caused by one single incident. While it is true that the initial trauma is likely caused by that one event, damage to the spinal cord is caused by a series of events.

In order to understand how the spinal cord is impacted by an injury, you need to know some basics about the central nervous system.

Make a plan if you can't make your credit card payments

There are many different things to think about when you have credit card bills coming in. One of the priorities that you have likely set for each month is making at least the minimum monthly payment. Failing to make the payments is something that can have dire consequences.

You might be wondering what you need to do if you know that you absolutely won't be able to make the minimum payments on your credit cards. Even though it might be uncomfortable, there are some very specific things that you should do.

3 killed, 12 injured in tragic 8-car accident

A horrific accident involving eight vehicles led to 12 people with injuries and three deaths south of Hamel, Illinois. The crash occurred on I-55, at about 6:15 p.m. on a recent Tuesday.

A tractor-trailer crashed into the other vehicles while traveling 60 mph. Some of the vehicles were run over by the semi. Many of the injured had to be rescued out of their vehicles. None of the vehicles, according to an Illinois state trooper, were slowed or stopped in traffic before the semi-trailer struck them.

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