Although many are not familiar with the term financial infidelity, it has increasingly become a problem in many households across America. So what exactly is financial infidelity? Financial Infidelity occurs when one person in a committed relationship spends or hides money without disclosing it to their partner.
Like sexual infidelity, financial infidelity can destroy one’s marriage. Money problems are known to be one of the leading contributors to divorce. Financial infidelity happens to be at the top of the list of money problems that lead to divorce. Shockingly, Jennifer Brand, a family law specialist in Philadelphia, stated -I see more cases of divorce caused by financial infidelity than I do from sexual infidelity.-
So how many people out there are actually lying to their spouses about money? The numbers are surprisingly high. In a recent survey conducted by Harris Interactive, the following results were revealed:
Approximately 1 out of 3 people admit to lying to their partners about finances
One in Four people state that their partners have withheld financial information
Three out of Four people surveyed stated that they fight at least occasionally about money
One in Four adults believe that financial infidelity is worse than sexual infidelity
96% of the group surveyed reported that it is both partners’ responsibility to be completely honest about financial issues.
The results indicate that financial infidelity is a serious problem. As one can imagine, any form of dishonesty in a relationship can lead to serious trust issues. Those trust issues can ultimately break down the emotional connection needed to make a relationship last. The reality is that the effects of financial infidelity on a relationship are no different and oftentimes worse than sexual infidelity. If you are having a problem with being completely honest around your finances with your partner or are having problems getting over financial infidelity in your relationship, you should consider working with a financial therapist.
Nikiya Spence is a licensed psychotherapist, certified money coach, and speaker. Nikiya specializes in helping individuals and couples transform their relationship with money. Visit her website at www.solutionsoflife.com or call 770-638-7145 for a free 30-minute no obligation consultation.
When we buy wow gold, how to choose a good online store to keep payment process safty? Wowgoldsbuy.com has concluded some methods to help you avoid unsafty issue.Let’s see how we can keep ourselve from cheating.We may consider three most important aspects.
This is the most important. Whatever is the price, you must affirm the sellers credit before your payment. Its surely more convenient if some sellers offer links to check their credit of paypal in their websites. If you use papal for your payment, you can see the credit level of the sellers account before you confirm your payment. Furthermore, you can click to check the detailed information of the seller. In addition, you can get help from various attestations. The point is that you must check carefully the authenticity of these attestation marks. Click these marks, and you can authenticate them easily.
Among thousands upon thousands wow gold buying online stores, you will discover two characteristics. 1. Prices vary to a large extent. Sometimes the prices for the same quantity in the same server can even double. 2. Prices change every now and then. The price difference is mainly due to the different types of sellers. At present the operating companies of online stores can be classified into the following types:
1). Operating companies in North America and Europe
These companies are comparatively regular. Their services are rather satisfactory. Their prices are comparatively higher and have no advantage because except the biggest one or two, most of the companies in this category are provided goods by several big wholesalers in China. In addition, it also makes sense that the prices cant be lowered due to the high operation cost and abundant ad-rate.
2). International operating companies in China
These companies can also be classified into the regular category. In many cases, their operating center is established in China while the registration place is in USA, Europe or Hongkong. We here recommend ourselves: Mmosale WoW Gold online store. These companies cant provide more localized services for clients in North America than those pure American companies, but they have unmatchable advantage of their prices that Amercian companies dont have. Their purchase center is established in China. They use a mode of online purchase to purchase game gold directly from Chinese game farmers without any intermediate sectors.
Statistics prove that the demand for unsecured small business loans have been rapidly increasing over the past few years. The idea of an unsecured loan creates new financial horizons for individuals that may not have collateral. This is also of special interest to new business owners that are interested in entering a new business venture. Potential business owners are always interested in a business loan to provide working capital for their new endeavor.
The paradox when applying for most unsecured small business loan programs is that a new business owner does not yet have any collateral. This can quickly shatter a business dream. The only other consideration such an individual can have is to use his or her personal assets to secure a loan. But new business ventures have a risk associated with them, once that many people are not willing to transfer to their hard earned assets.
Collateral is often the biggest obstacle to the prospective business owner. Not only does a new business not yet have any commercial collateral to provide; but it is asking a lot for an entrepreneur to put his hard earned personal assets at risk in order to start a new business venture. Yet, without collateral, getting a business financing can sometimes seem impossible.
Small entrepreneurs, who do not have collateral to offer, find unsecured small business loans as an alternative, which help them expand their business to new horizons. They are only required to make regular repayments to the creditor without any apprehension of their business assets being repossessed by the lender in case of defaults. At the same time, small businessmen who opt for unsecured small business loans should be prepared to pay a little higher interest as compared to other credit options. However, interest rates may vary depending upon the credit history of the businessmen.
No collateral unsecured small business loan products are now available through select lenders, although they can still be relatively difficult to find among traditional banks and lenders. The revolutionizing force is coming from a plethora of web based lenders that are offering innovative new financial solutions, including no collateral loans. A variety of unsecured loan products for business and personal needs can be found via web based financial companies.
Applying for unsecured small business loans is easy, all the business owner need to do is just go on line and submit their loan details. Then the lenders will refer back to you with the loan decision in a few days.
Do you think you have the capability to become an entrepreneur? There are lots of successful entrepreneurs present in this world today. It is very important to find the right kind of qualities that are required to become successful in this field.
Some people try to begin from the scratch but it is quite difficult to reach the top fast in this way. This is the reason why the young generations of entrepreneurs try to model their behavior on people who have already achieved success in this field.
There are various role models for entrepreneurs. It is very important to choose the right kind of model. When you hear of a role model the first thought that comes to your mind is of people who have reached heights are very popular all over the world.
These people too surely had their own role model who they used to follow. A role model is actually meant for following. Your model can also be a person who belongs to your family or even or your friend circle.
The person might not be well known and popular all over the world but he has made something for himself. You can look for such people in your family. If you have someone very close to you who has already made it to the top then you can even get good suggestion as well as tips from the person.
You must understand the importance of the role models. They will help you learn how to become a successful entrepreneur. The most important thing that entrepreneurs must have is the will to win.
The entrepreneur role models usually help the budding entrepreneur to learn about the various qualities that are necessary to become successful and reach the top. One of the things that you need to find out is the common trait between all the successful owners.
You must always remember that owning and managing a company is not too easy. You need to have enough guts to take proper decisions and also be ready to tae risks. Role models for entrepreneurs might differ from one person to the other but the characteristic traits of these successful people usually remain the same.
You need to follow these traits. People who are successful as entrepreneur are always good leaders. So you must also make sure that you become a good leader and mange your team in the best possible way.
Team work is very important because you alone cannot take your company to the top, you will need help from the employees. This is the reason why you also need to learn how successful entrepreneurs deal with their employees. This is why role models are so much essential.
They keep you from wasting time
The employee leasing company gets rid of things that take the employer away from focusing on growing their company. Business owners do not go into business to worry about government regulations, payroll taxes, or administrative duties. The Professional Employer Organization allow you to get back your time, and get back to revenue increasing tasks.
Help You Improve Your Cash Flow
The employee leasing company takes all your employment fees (FUTA, FICA, etc) and combines them into one known monthly fee. After all, what better way to understand your expenses than to work with an employee leasing organization that provides predictable payments each payroll period. Also, rather than increasing internal investments in new employees, PEO’s help you keep your HR/employee related costs to a minimum.
Provide Predictable Medical Benefits
A PEO uses an umbrella method and takes on many small business companies and consolidates them to offer each lower premium medical benefits. This essentially takes your 15 person company and incorporates it into a medical benefits pool of 1000 employees or more. Using this method, levels out the playing field and allows you to offer comparable benefits to much larger companies.
Government – Understanding Rules and Regulations.
An employee leasing company will help the business owner understand the various rules affecting them and provide guidance as to what they should do in various situations that may arise. They help in compliance of federal, state, and local laws. In addition, the Professional Employer Organization will provide and store legally required employee forms and paperwork.
Maintain and Reduce Risk
Additional benefits are acquired in companies with workers comp modifiers that are relatively high (greater than 1). The employee leasing company that you work with may have a modifier that is less than that, therefore offering your small business a better rate. Also, employee leasing company employees provide great advice for improving workplace safety and how to reduce claims. An employee leasing company will proactively manage their clients’ workers comp claims and help to reduce claim costs, including identifying fraudulent claims.