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Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Tuesday, May 24, 2016

Communication and Money The Importance of Keeping Her Trust

When Connie got home from work, she was already exhausted from a long day of meetings. She’d left the high-pressure world of event planning sales behind to get into nonprofit work.
She loved the challenge of raising money for her charity, and her job as a development director allowed her to leverage some of her former business relationships into new donors.
On this particular day, though, her executive director was worried about finances and had really called her on the carpet, even though she was already 22% over budget for the current fiscal year.
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It didn’t help matters when she got home and opened a letter from the Internal Revenue Service, addressed to her and her husband Bob. When she opened it, she was shocked to see that they owed the IRS more than $7,000 in back taxes.
Bob did some freelance writing work in addition to his job as a teacher, and it looked like he hadn’t been making payments on his freelance income. And he certainly hadn’t told her about this.
She slammed the letter down on the kitchen island, punched his number into her cell phone, and tore into him when he answered the phone.
Why was Connie so mad? $7,000 is a lot of money, but it’s not the end of the world. Bob had also been taking out payday loans and other short-term credit lately, and instead of telling Connie that he was short with his side of their bills, he had just been making poor financial decisions that was costing them a lot in interest.
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The worst part for Connie, though, was that Bob hadn’t told her anything.
Bob’s excuse was that he didn’t want Connie to worry. She was a cancer survivor — had been cancer-free for almost seven years by that point — but her cancer had cost her her thyroid, and she had developed epilepsy as a side effect of the radiation treatment that her oncologist had used on a small tumor in her skull.
So Connie was often exhausted at the end of the work week, spending some of her Saturdays and Sundays in bed just to get ready for the next week. Bob felt guilty about this and wanted to let her think he could handle things on his own.
Of course, he couldn’t, and he was digging a bigger and bigger financial hole for himself — and for her, since their taxes were filed jointly. Now there was a huge hole in the middle of their relationship, created by the simple fact that he couldn’t be trusted about money.
What should Bob have done instead? The problem with their finances began about a year and a half ago, when his health insurance (which also covered her) went up by 22 percent.
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She also had dropped back from full time to part time work because of some fatigue and stress from her former job. He felt like he needed to do everything himself, but he simply couldn’t.
He should have told her about the problem and perhaps could have gone to family members for some short-term help. The bottom line: Connie was getting the message that he didn’t trust her as a partner, and she felt a complete lack of financial security as a result. She also felt like their relationship was worthless without that trust.
Now, Bob and Connie sit down weekly and talk about the upcoming week in finances as well as longer-term strategies. It’s not always comfortable for either one of them, but they no longer have trust issues with money.
Bob even decided to look for a corporate job at the end of the school year to boost his income, and he wouldn’t have had the confidence to do that without talking to Connie.
So the crisis turned into a win-win for them. If you and your loved one are in a similar mess, trusting each other with the truth is the best way to begin a new path for your relationship.

If you are in pain and confused?

Here’s some good news…
Did you know that most relationships CAN be salvaged? You may find it difficult to believe that almost every break up for whatever reason…infidelity, plain old lost passion, loss of interest, a stolen heart and worse…even the worst situations you can imagine…like men serving prison sentences have salvaged their relationships. Yes, even Ex-cons have got back together with girlfriends and wives after being away for years!

There is hope…

Now I can almost see you shaking your head in disbelief…
And it’s okay…let me ask?
Don’t you know couples that have gotten back together? A girl that has taken a guy back?…or vice versa?
I bet you do…and here’s the strange real clincher…
Do you remember why they broke up in the first place? I bet you know at least one guy or gal that took their lover back after an affair…or unfaithfulness…or worse even?
Think about it for a sec…
Sure! And I bet you know of…or have heard of at least one girl that has taken a guy back that REALLY should not have…you know the ones I am talking about…(and I know this is kind of dark)… the girls or guys that are in verbally or physically abusive relationships.
Now, that is some really dark stuff and I am not recommending to anyone to take someone back if the relationship was abusive…I am using it as a point that almost NO SITUATION is unsalvageable…

“Couples reunite every day REGARDLESS of the situation!”

Seriously, Doesn’t that make sense? That if most of us can think of couples that have gotten back together…under even some horrible circumstances…that there could be somehidden recipe, or secret even, to reigniting passion and recapturing lost love?
Now…I am not saying they were holding some “secret love spell” book and doing weird chants…not at all…at the same time somehow, by MOSTLY accident they said and did the RIGHT THINGS at the RIGHT TIME…and won back the heart of their lover…or at least created the circumstances where their ex gave them a second chance.
Allow me to repeat…they did this by mostly ACCIDENT!
Imagine…
What if? What they said…and what they did…could be “bottled” so to speak? And then you could “unbottle” it and put it to use? To erase old hurts…to reignite passion again…to turn back to a time when your relationship was fresh, new and exciting.

Yes…A Magic Love Recipe…in a sense…

You see there IS a “recipe for love” as well as a recipe for winning back and keeping some ones interest, desire, passion, heart and love…
What they did by “accident” can be repeated over and over on PURPOSE!
And you know what?
If I were you…I would be somewhat skeptical right now…that’s totally fine! I am going to show you some concrete proof. Just bear with me okay?

Do you have these symptoms?

-Leaving the radio off because every song makes you cry
-Loss of appetite
-Binge eating for comfort
-Calling your ex several times a day
-Text messaging and emailing constantly (Text Message Terrorism)
-Constantly checking your email and voice mail to see if he/she called
-Not going out because you are afraid to miss a call
-Thinking non-stop about why they REALLY left you
-Feeling massively depressed
-Feeling urges to spy on them
-Endlessly rehearsing what you should have said
-Endlessly rehearsing what you will say if you bump into them
…and when you do get a hold of them, it usually turns ugly because without a clear plan of what you are supposed to do…what happens? P-A-N-I-C…defensiveness…arguments…and then it gets really nasty.

Do you make these mistakes with your ex?

-We try to convince them we are the love of their life
-We will apologize profusely for everything
-Promise to change for good this time
-Try to get them to see that it wasn’t really our fault
-Even beg with them to take us back
…and of course with every word we utter, regardless of our intention, the more and more defensive, angry and distant they become.
Please know…this is not your fault! You weren’t taught this in school. You probably weren’t taught this by your parents…and there is no “get your ex back” night school…
Yeah?
And it is really a shame too because what could be more important than love?..Cars?…Money?…Clothes?…ALGEBRA?
So why? Are there all kinds of books, magazines and help on fixing a car,managing money and all the latest fashions, yet very little USEFUL information on how to fix a broken relationship…manage your emotions or getting the love of your life back?

Monday, April 25, 2016

Why You Must Have a Conversation About Money Before You Move in Together

For any couple, moving in together is a big but very natural step of the relationship. It means spending more time together, more privacy and a space of their own. The thought of living with the person one loves is exhilarating but is always tempered by challenges, that can be avoided or dealt with before they rock the relationship.

 Dating

Of all the issues that may arise in the course of a life together, none causes more strife than money. Despite finances being an integral part of living together, this topic is hardly ever discussed by couples when moving in together. Understandably, it is an awkward and uncomfortable conversation and there is nothing less romantic, but in order to ensure that life together runs smoothly, it is a necessary discomfort. The following are some of the things you must discuss before moving in together.

Debt
Once a couple moves in together, it rarely occurs to them that their previous lives and the decisions they made can have an impact on their new life together. Moving in together makes financial boundaries vague and debt suddenly effects both parties regardless of whose name is attached to  it. 

In an open discussion about money, debt on either or both sides should be discussed in detail so a to prevent it from becoming a burden and also to chart out a concise financial plan to pay it off so that it does not make future plans difficult or impossible which would only lead to resentment and infighting.

Why You Must Have a Conversation About Money Before You Move in Together


Living Expenses
Half a century ago, there would have been no need for this discussion as it was the mans obligation to provide for the home. This was well understood and the demographics at the time demanded, if not allowed it. Today things are radically different with both men and women carrying their own weight financially which means living expenses will likely be catered for by both parties. 

Every couple must, however, build their own financial plan depending on factors like how much each makes. Some may find that combining all expenses and splitting the cost down the middle works while some may decide to assign specific bills to one party such as rent and electricity while the rest are the responsibility of the other. Either way, a plan cannot be put in place without a thorough discussion on finances.

Individual Spending Habits
Consider a couple living together and sharing a joint account or a credit card. It would not be unusual for either of them to spend money in a manner that the other would not approve of. The woman might spend what the man considers too much money on accessories such as handbags and shoes while he on the other hand might spend what she considers an obscene amount of money on sports gear. When there isn’t enough money for all of this, each party will expect that the other will spend less while they likely continue to fund their hobbies and personal interests. This will inevitably cause a rift and even power struggles which can only be avoided if a couple living together discuss finances specifically shared resources. 

It is important that limits are set, if the money is shared, while some may prefer to keep separate some of their money for individual spending. Regardless, for the relationship and the life together to survive any quarrels over money, a couple must be willing to have an open and exhaustive talk about money

NEW! Now You Can Stop Your Separation, Divorce or Lovers Rejection…Even If Your Relation Seems Hopeless!

If you Want Him Back, I’ll show you exactly what to do and what to say to get your lover back in your arms – Especially if you are the only one trying…

The Secret you need to know to reverse your separation! From the man that has helped over 50 000 people in 77 countries to get back together again!




Read More..

Friday, April 1, 2016

10 Ways to Embrace Square One

You’re moving along on the relationship game board, fairly well into the game, when all of a sudden you’re thrown back to square one: the relationship is over. Regardless of who is to blame, it’s done. 
The dust has settled, all of the “You left this at my house” items have been returned (or trashed depending on how the breakup went) and you are left sitting alone. 

Dating

Knowing how to move forward in your life and how to navigate the minefield of starting a new relationship isn’t always obvious, especially when you’re mid-breakup. 

If you’re in a wonderful relationship that is going to last forever, keep these tips for your poor friends who will most likely need it at some point. Plus, then you’ll have it in case you ever need it. Not that you will. But, in case.

1. Let it go. Not just the catchy tune from an animated movie, these three little words can save you a world of hurt. Let go of the relationship and free yourself from its clutches. 

If you were the “breakee”, don’t go and beg the “breaker” to take you back. Rarely does this work, and if it did, the resulting second breakup is just worse somehow. Accept the reality and start to heal. 

2. Make peace. It is ok to have a tidal wave of emotions, and you will have them for a while. That’s ok! Give yourself permission to use all of your feelings – just don’t give yourself permission to act on them. Getting angry at the “breaker”? No problem. Smashing all the windows in breaker’s car? Not a good idea. 

3. Do something. Now is a great time to try something new. Always wanted to learn how to line dance? Take a class. Go on a weekend cruise with a couple of friends. Hike through the mountains.

10 Ways to Embrace Square One


4. Career boost. Pour yourself into your work. Offer to take on an extra project, or take a class or certification course that will help you advance in your workplace. Success at work will make you feel better about yourself, and will help your career advance. 

5. Get chatty. It’s not a good idea to discuss every detail of your sordid breakup story with everyone. (Plus, the cashier at the grocery didn’t want that much information when she asked “How are you today?”). 

Call up a trusted friend or schedule a counselling session with a trained professional to talk about your feelings and pain. Airing your emotions will help you recover from the breakup faster. 

6. Stay single. Often, the idea of being alone makes the breakup feel even worse, so women will rush into a new relationship to help ease the pain. Take some time to do a little soul-searching, and to evaluate what you are looking for in a relationship before jumping back into the dating world. 

7. Say no. Drowning your sorrows can seem like a very good idea when the pain of a breakup is still raw. Using drugs or alcohol as a way to forget your breakup or to dull the pain of losing your relationship seems like a good idea at the time. 

The long term consequences aren’t worth the few hours of forgetting. Hangovers, addiction and embarrassing behavior can all be the results of binge drinking. (Bitter, drunken woman doing karaoke is never good. Remember this.)

Square one is never a fun place to be, but eventually you’ll be ready to start the game again – just make sure you’re ready first. 

NEW! Now You Can Stop Your Separation, Divorce or Lovers Rejection…Even If Your Relation Seems Hopeless!

If you Want Him Back, I’ll show you exactly what to do and what to say to get your lover back in your arms – Especially if you are the only one trying…

The Secret you need to know to reverse your separation! From the man that has helped over 50 000 people in 77 countries to get back together again!


Read More..

Tuesday, March 15, 2016

Dating Someone With An Addiction

Sadly, a significant portion of the world’s population has an addiction of sorts. This can be various drugs or alcohol. It can even be something that’s not a chemical, such as a sexual or gambling addiction. There are many of these addictions that can be hidden until you get to know the person much better.  In fact, this is the main problem when you get involved with someone that has an addiction. Many of them aren’t immediately evident so you think you’re getting a real catch until the symptoms start exhibiting themselves.

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When you’re already in love with someone by the time you realize that he has an issue, it’s more difficult to withdraw from the relationship. Unless the person becomes hurtful and abusive, it may be almost impossible to find the strength to leave a situation that’s not the best for you. Of course, everything is different if your partner is willing and determined to seek the help he needs in order to kick his addiction. In that case, it makes all kinds of sense to stick it out with your partner to provide the much needed support that can, sometimes, help facilitate the treatment.




On the other hand, if your partner doesn’t acknowledge that he has a problem, let alone agree to seek treatment for it, you may need to make a difficult decision. It’s harmful to you if you stay in a situation of this type with no hope for it to improve. No matter how much you may love someone, if he has an addiction and refuses to admit it and seek help for it, you’ll only drag yourself down, too, if you decide to remain. Should you decide to leave, there’s no need to feel guilty because you’ll leave knowing that you did all you could do.

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Now, in the event that the signs of an addiction were evident from the first meeting you had with this person, and you still allowed yourself to become involved with him, then shame on you! Why would you do something like that to yourself? This is definitely a “What were you thinking?” moment. It’s one thing to have the situation sneak up on you. It’s an entirely different one to go into it with your eyes wide open.
Now, if you’re in a relationship with someone that’s showing some definite signs of a serious addiction, all you can really do is try to convince him to get the help that he probably so desperately needs. In the meantime, you can also do something for yourself. There are some support groups formed specifically for the loved ones of people with addictions. Examples of these are Al-Anon and Nar-Anon. If you’ve made the decision to stay in this relationship, it’s vital that you contact a support group that can help you deal with the situation.

If you decide that you need to leave the relationship, do so when you’ll feel less threatened or less prone to being manipulated. You can help someone you love only so much. Then you must take care of yourself.

If you are in pain and confused?
Here’s some good news… 
Did you know that most relationships CAN be salvaged? You may find it difficult to believe that almost every break up for whatever reason…infidelity, plain old lost passion, loss of interest, a stolen heart and worse…even the worst situations you can imagine…like men serving prison sentences have salvaged their relationships. Yes, even Ex-cons have got back together with girlfriends and wives after being away for years!

There is hope…

Now I can almost see you shaking your head in disbelief…
And it’s okay…let me ask?
Don’t you know couples that have gotten back together? A girl that has taken a guy back?…or vice versa?
I bet you do…and here’s the strange real clincher…
Do you remember why they broke up in the first place? I bet you know at least one guy or gal that took their lover back after an affair…or unfaithfulness…or worse even?
Think about it for a sec…
Sure! And I bet you know of…or have heard of at least one girl that has taken a guy back that REALLY should not have…you know the ones I am talking about…(and I know this is kind of dark)… the girls or guys that are in verbally or physically abusive relationships.
Now, that is some really dark stuff and I am not recommending to anyone to take someone back if the relationship was abusive…I am using it as a point that almost NO SITUATION is unsalvageable…

“Couples reunite every day REGARDLESS of the situation!”

Seriously, Doesn’t that make sense? That if most of us can think of couples that have gotten back together…under even some horrible circumstances…that there could be somehidden recipe, or secret even, to reigniting passion and recapturing lost love?
Now…I am not saying they were holding some “secret love spell” book and doing weird chants…not at all…at the same time somehow, by MOSTLY accident they said and did the RIGHT THINGS at the RIGHT TIME…and won back the heart of their lover…or at least created the circumstances where their ex gave them a second chance.
Allow me to repeat…they did this by mostly ACCIDENT!
Imagine…
What if? What they said…and what they did…could be “bottled” so to speak? And then you could “unbottle” it and put it to use? To erase old hurts…to reignite passion again…to turn back to a time when your relationship was fresh, new and exciting.

Yes…A Magic Love Recipe…in a sense…

You see there IS a “recipe for love” as well as a recipe for winning back and keeping some ones interest, desire, passion, heart and love…
What they did by “accident” can be repeated over and over on PURPOSE!
And you know what?
If I were you…I would be somewhat skeptical right now…that’s totally fine! I am going to show you some concrete proof. Just bear with me okay?

Do you have these symptoms?

-Leaving the radio off because every song makes you cry
-Loss of appetite
-Binge eating for comfort
-Calling your ex several times a day
-Text messaging and emailing constantly (Text Message Terrorism)
-Constantly checking your email and voice mail to see if he/she called
-Not going out because you are afraid to miss a call
-Thinking non-stop about why they REALLY left you
-Feeling massively depressed
-Feeling urges to spy on them
-Endlessly rehearsing what you should have said
-Endlessly rehearsing what you will say if you bump into them
…and when you do get a hold of them, it usually turns ugly because without a clear plan of what you are supposed to do…what happens? P-A-N-I-C…defensiveness…arguments…and then it gets really nasty.

Do you make these mistakes with your ex?

-We try to convince them we are the love of their life
-We will apologize profusely for everything
-Promise to change for good this time
-Try to get them to see that it wasn’t really our fault
-Even beg with them to take us back
…and of course with every word we utter, regardless of our intention, the more and more defensive, angry and distant they become.
Please know…this is not your fault! You weren’t taught this in school. You probably weren’t taught this by your parents…and there is no “get your ex back” night school…
Yeah?
And it is really a shame too because what could be more important than love?..Cars?…Money?…Clothes?…ALGEBRA?
So why? Are there all kinds of books, magazines and help on fixing a car,managing money and all the latest fashions, yet very little USEFUL information on how to fix a broken relationship…manage your emotions or getting the love of your life back?
Crazy huh?
And now as you will soon see…all that has changed.

“T Dub” Discovers His “Love Recipe”

Please allow me to introduce myself…My name is T.W. Jackson, I know kinda weird…it’s a long story…you can just call me “T Dub”…I want to say right off the bat, that I am not a psychologist, Doctor or some relationship guru…In fact I royally piss off the academic types and I’ll tell you why in a second…
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I have been a military brat…or in the military for a majority of my life. In fact I joined the US Navy when I was a ripe old 17 years of age. Because of my life long military experience I’ve had dozens of homes…in 11countries… and lived long term in 5 states in the U.S.
And because I have lived in so many places and changed schools so often as a kid…I had to learn…and learn REALLY FAST…how to get along with people. And people from ALL WALKS OF LIFE. I can sit down and have some sake with my friend in Tokyo…or pop open a can of suds and fish Lake Dardanelle with an Arkansas “redneck” buddy of mine…makes no difference…
More importantly…I became really good at reading people, understanding what makes them “tick” and even got to a point where I could influence their behavior and actions.
In fact, I got quite good at doing this, so good in fact that I was the “go to” guy whenever my friends had just about any kind of “people problem”…I kind of felt like the male version of “Dear Abby”…
Maybe you even know someone a little like me?…someone that you go to when you have “people problems”…
Anyway…I got a ton of practice keeping relationships together…and putting them back together after they had come apart…because the divorce rate for military couples is MUCH HIGHER than average.

WARNING: Unconventional Methods!

At this point, I must WARN YOU…STRONGLY WARN YOU…my advice and methods are VERY unconventional. I get relationship counselors and the like REALLY ANGRY because they are charging $50 to $100 an hour (sometimes for months and even years) and I can whisper just one of my methods in my friends ear…he DOES IT… And next thing you know… he’s back home, laying back on the couch and watching HOUSE with his fiance on Monday nights.
Now you are free to make up your own mind about me. I just don’t believe that any amount of sitting in a classroom can make up for the REAL WORLD experience that I have under my belt…
I mean, what’s a more valuable experience?…Listening to a lecture on libido? Or BEING THERE when my buddy’s girlfriend is chucking his clothes and skivvies out the bedroom window because she thinks he was with some tart the night before?
I don’t know about you, my money is on the guy with the real world experience any day.
Now, if you are hanging out with me here today, I am guessing you have “relationship troubles” too? If you do…I think I can help…

Here’s how I can help you…

If you have broken up and want to get your guy or gal back, obviously I can’t talk too or be with everyone, I just don’t have enough time…but I have done what I believe to be the next best thing…
I have put my years of experience…into a really easy to follow… love recipe for”getting back together”…and again I forewarn you right now…these are techniques and strategies that are NOT conventional wisdom…and I doubt you have ever read or heard these techniques before.
…and I’ll tell you…

this stuff works!…maybe too well?

Frankly, I get a little freaked out about just how well it works…and worry that it may be used for less than honorable intentions. I mean I want to help GOOD people…I don’t want to help JERKS get girls back that would be better off without them. I do NOT want to help “psycho chick” steal away a married man.
Like a knife, these techniques and principles can be used for great good or grave harm.
This is NOT FOR
-Stalkers
-Ex Convicts
-People with severe mental problems
-Other Crazies, Cuckoos or Whack Jobs
Okay?