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Manos Legal Services > Our Blog (Page 12)

Is $1,000 Emergency Fund Enough?

[ad_1] People tend to latch on to the wisdom of the most prominent experts in any field. In the case of personal finance, the most famous expert is probably Dave Ramsey. One of his key pieces of advice is to save $1,000 in an emergency fund before paying off any high-interest debt. That’s good advice, but some people end up taking it the wrong way. They assume that $1,000 is the most they need to save, rather than a baseline. For some people, that might be enough – for others, it’s not even close. The amount you need depends entirely on your...

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Free Chattanooga Men’s Divorce School Webinar Oct. 9

[ad_1] DadsDivorce sponsor Cordell & Cordell is offering a free Men’s Divorce School webinar from noon to 1 p.m. EDT on Tuesday, Oct. 9 for men in the Chattanooga, Tenn., area. The webinar will review the 10 stupidest mistakes men make during divorce and how to avoid them. It will give guys a convenient way to learn more about what to expect from divorce in a private setting. Cordell & Cordell divorce lawyers will provide an overview of how the divorce process works and go over the 10 most common missteps that end up hurting men, including moving out of the marital...

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Is Divorce Ever Really Over? · Divorced Moms

[ad_1]  It’s been 2.5 years since my marriage imploded. 1.5 since the divorce was final. During the first year, my email inbox was a ticking time bomb. I never knew when there would be a ranting, raging email from my ex about how everything was my fault, how I never loved him. In the last six months or so, things have calmed down. We have even approached amicability. But with some recent discussions about child support and finances, we’re back to Ugly Town. We’re bringing up past transgressions. Issues we had with one another during the marriage that were, apparently, never resolved....

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Insurance When You’re a Freelancer

[ad_1] When you’re a 9 to 5er, it’s easy to take your company’s benefits for granted. And now that you’re a freelancer, one of the things you need to tend to is creating your own benefits package. Plus, as an army of one, self-employed solopreneurs bear the risk of higher uncertainty—hello, feast or famine! It’s even more important that you insure yourself against any potential perils you may face. Here are key types of insurance sole proprietors should consider: Health insurance Medical bills can get very expensive, very quickly, points out Tyler Dolan, a CFP and financial planner at Society of Grownups. Take it...

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He Uses Divorce Mediation To Punish Me · Divorced Moms

[ad_1]  My husband wanted to divorce but he had no desire to do any of the legwork to get it done. I was the personal assistant, per se. So, I took it upon myself to find a lawyer, and we drew up paperwork after some major research and I took the paperwork to my husband who read the pages for 5 days. He went to a notary and signed the papers and gave them back. I gave the paperwork to m lawyer, he filed it and we were divorced after 90 days. In the paperwork with the divorce, it stated if anything...

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Assessing Your Post-Divorce Circumstances

[ad_1] After your divorce is finalized, you have the opportunity to look ahead, and while there is a great opportunity ahead to focus on the future, the nitty gritty of the present forces you to take a step back and assess the damage caused by the end of your marriage. This can be discouraging for many, who are interested in looking ahead to new opportunities in their life. Whether those are romantic or simply looking to be the father that you could not while in an unhappy and dysfunctional relationship, it is understandable to wish to look ahead. However, taking a step...

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Why I will be Rude to You After You File Chapter 13

[ad_1] I like my clients. I find bankruptcy work rewarding because I can offer positive change to the lives of honest, hardworking people who have an immediate financial problem. However, I can be an absolute pain in the rear end to my Chapter 13 clients after we file and during the two to four month period of time prior to the plan confirmation hearing. Why does this disconnect exist? Why would you want to hire a lawyer who will be demanding and abrupt? The answer is simple – if you want your Chapter 13 to work, you and I have a lot...

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How a Panic Attack Taught Me I Was Right Where I Needed to Be · Divorced Moms

[ad_1]  My rabbit heart pitter-pattered as the thunder complained above our heads, right on the tail of a lightning bolt that had lit up the weirdly gray sky. “We’d better cover our packs,” Debbie said. I nodded and scrambled to drape my backpack with its, up-until-now, unused rain cover. I fumbled with my rolled up raincoat, sliding my shaking arms in. I was frazzled from an already-arduous half-day hike and pissed off that we hadn’t made reservations at the popular Rifugio Lagazuoi. We’d been fortunate to find out that the next mountain hut, Nuvolau, had exactly two beds left for the...

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WTFinance: What is Compound Interest?

[ad_1] It’s claimed Albert Einstein once said “the power of compound interest is the most powerful force in the universe.” While it’s still unknown if he actually said this or not, the message remains powerful and widely adopted and here’s why: Compound interest is basically interest on the principal amount + interest that has already accrued. In other words, interest on interest. Here are the key factors to keep in mind:Principal = amount borrowed or invested Interest rates =Interest paid on principal Interest paid on accrued interestCompounding schedule = interest can accrue daily, monthly, yearly or any other schedule laid out in the...

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3 Ways To Connect With Your Kids After Your Divorce

[ad_1] The most heartbreaking aspect of divorce for many fathers is the way in which the process destabilizes the relationship they have with their kids. Far too often, gender stereotypes within the family court system result in fathers getting the short end of the stick in child custody decisions. Even if a dad manages to gain a 50-50 split, that still is much less parenting time than he enjoyed while married. With many fathers sidelined to a sort of secondary parent role, the relationship they have with their child starts to suffer. This is even worse if the mother attempts to turn...

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