Archives for posts with tag: money

That’s all Women want…… Really?

Do You ‘Steal’ Money From Your Spouse?
by DR

in Money Management

0 EmailShare 0EmailShareManaging money between a husband and wife can present some real challenges. Have you ever found yourself at the store or gas station ready to pay, only to realize that the last $20 in your purse or wallet is gone? It’s a sickening feel in the pit of your stomach when you realize you can’t pay for something. This happened to my mom all the time when I was a kid.

My parents went from one financial crisis to another and were always short on cash. I recall vividly my mom yelling at my step-dad because he had taken money out of her purse and left her with nothing. She usually figured out that she had no cash just after putting $5 worth of gas in the car (gas was a lot cheaper back then). A resolution to this problem always seemed simple to me, even if it eluded my parents. So here are some tips if you or your spouse are regularly raiding the other’s money supply:

1. Communicate: If you need cash, don’t just take it from your spouse without talking to them first. We all find ourselves without cash from time to time, but taking your spouse’s money without asking (or at least telling) them, is just plain rude. In a pinch, at least leave a note if for some reason you can’t speak to them right away.

2. Plan: Often times, a spouse is out of cash for lack of planning. Occasionally this happens to us all. But if it’s a regular occurrence, then you need to rethink how you’re managing your money. My wife always keeps a $20 reserve for emergencies. If she needs to use it, she makes sure to replenish it as soon as possible.

3. Use a Debit Card: We use a MasterCard debit card that is tied to our checking account. We also have overdraft protection just in case we run a negative balance just before payday. With the debit card, we are never out of money as long as we can get to an ATM or don’t have to pay cash for what we’re purchasing.

4. Carry a Credit Card: We also carry a credit card just in case. I know there are some who view credit cards as evil. I don’t, although we do pay off our credit card balance each month. But carrying a credit card can come in handy during an emergency, particularly when we are traveling.

5. Respect Each Other: Money is one of the biggest causes of strife in a marriage. Taking money from a spouse without communicating with them can understandably be a serious source of conflict. It may be a quick an easy solution to a money shortfall, but the harm it can do to your relationship in the long run is not worth it. In the end it comes down to mutual respect.

6. Keep a Change Jar: We have a change jar where we dump our change at the end of the day. Over time, the amount of money in the change jar can grow and come in handy when you’re in a bind. I sometimes need to pay $5 in cash to park my car at the subway, and I’ve tapped the change jar more than once when my wallet was empty.

Do you or your spouse take money from the other without asking? Cast your vote, and then leave a comment if you’ve had to confront this issue in your marriage.

The Benefits of Selling Sterling Silverware
Posted: Aug 20, 2011

Silver is used for a lot of things, such as to make currencies. That being said, a lot of people actually have silver in the form of silverware that they use for dining purposes. Well, it just so happens that the sterling silverware that people have can be used in order to make a good amount of money. Want to know more? This article will discuss why you should Sell your sterling silver today and rake in the cash like never before!

So, why should you Sell your sterling silver? Well, when one looks at the way the world is today it’s obvious that silver is very valuable. Because of the state of the economy precious metals, such as silver, have become a hot commodity. People are looking to invest in materials instead of companies and since so many people are trying to do that the value or precious metals has skyrocketed. That being said, people can make a lot of money right now by selling their sterling silverware since the price is definitely right!

Why should you Sell your sterling silver right now and not later? Timing is everything when it comes to selling something and getting the most for it. As already stated, the global economy is suffering right now and so a lot of people are investing in precious metals like silver. However, once the economy starts to rebound the price of silver is going to drastically go down. That means that people have to take advantage of this once in a lifetime opportunity to make a lot of money on sterling silverware that is just sitting around the house and taking up space!

Where can you go to Sell your sterling silver? Going to a pawn shop is just not the way to go because a person will only get a fraction of what it’s worth. Instead, you should sell them on the online market where a person can get what they’re worth as investors look to invest in the precious metal. There are plenty of websites that can help out with the process and so there is no excuse to not take advantage of this amazing opportunity right now!

What NOT to do when you realize you have a cheating spouse
By S. Jordan

Lately you’ve been suspicious of your significant other. They appear to be taking better care of themselves, spending more time showering, getting dressed and more concerned with their appearance. He or she even went ahead and got that gym membership that you talked about at the beginning of the year. Initially, you were glad to know that all of the so called nagging you’ve been doing has finally paid off. Then it hits you. Not only are they more concerned with their physical appearance, but their new found confidence has actually changed their attitude, for the worse!

They start staying out late, going to parties and events that you aren’t invited to and paying you less attention. This person all of a sudden has friends you’ve never met (and you’ve met all of them, or so you thought)! Not to mention the private phone conversations and the sudden need to have the phone glued to their side. Heaven forbid if you innocently asked, “Who was that on the phone sweetie?” Instead of the usual Chris, Bob, Cindy or Jill it becomes an argument. MAJOR RED FLAG!

You don’t have proof but something just doesn’t seem right. It’s like a dreary thought that won’t go away. You decide to confide in your friends and family but they all say the same thing. “Do you really think he/she is cheating”? Do you have any substantial evidence? Maybe you’re just overreacting!

Deep down you know something is wrong so you confront your spouse. And not surprisingly your spouse denied it. As a matter of fact they acted as if the mere thought of cheating on you was impossible because of the love and respect they have for you. So, like the forgiving person you are, you take their word. You have no reason not to, but for some reason those negative feeling just won’t go away.

You’ve been so paranoid lately. Then all of a sudden it’s staring you right in the face. Maybe you saw the two of them together… You found a phone number and decided to call… You hired a private investigator… A trustworthy friend called to deliver the bad news! However it happened, you finally discovered that the person you love is a coldblooded cheater. You have proof, but now what? The last thing you want to do is overreact, but how could you not?! My advice is simple, so please take a deep breath and think. And try not to do this!

Do not become a stalker! If you decide to stay with your partner, do not take up a hobby as a psycho detective in your spare time. You are going to have to get over what he or she did in order to move on. Checking up on you spouse is not going to change what they did or prevent them for doing it again. You have to trust that you made the right decision to work it out, and in time you partner should prove to you (by their actions) that it was a one time slip up and it won’t happen again. If it does, maybe it’s time to move on.

Do Not Sleep around! Sometimes we have it in our head to seek revenge. And revenge to most of us is to do the exact same thing that caused the lack of trust in the relationship in the first place. “She cheated on me so I’ll do the same to her”. Not only is it childish, but it only creates more problems. This may be an old saying but, “Two wrongs don’t make a right”!

Do Not Attack the person they cheated with! This is a common mistake with many. To go after the other man or woman will not help the situation because this person did not make a commitment to you. There are some instances where the other person may be a friend or someone who is aware that you’re in a relationship, but regardless of that fact, your main concern should be with your spouse.

Do not compare yourself! I highly doubt that when your boyfriend, fiance, or husband started cheating he thought to himself, “She’s taller, cuter, slimmer, etc”. Same for you men out there! Women are not comparing looks, and if so I’m almost certain this is not the reason behind their infidelity.. That being said, the act of cheating itself is usually deeper than the physical appearance of the other person. Your partner may just have some issues within themselves that they need to work out.

Do Not Blame yourself for their infidelity! You are not responsible for anyone’s actions but your own, Period! Did YOU cheat? Were YOU unfaithful? Did YOU lie to the person you love? You see where I’m going with this. Unless you gave your spouse permission to see other people, better yet you pointed a gun to his head and said go cheat, IT IS NOT YOUR FAULT!

Do Not Resort to violence of any kind! (tire slashing, window breaking or domestic violence) especially if children are involved. You don’t want to set a bad example for your children. Legal action can also be taken against you. Depending on how far you take it, word can get out about you behavior and you can lose your job (hurt the reputation of your company), friends and disapproving family members. Plus in the end you look like the real idiot.

Letting GO
I understand that you may be going through a lot, especially if you’ve invested lots of time in the relationship. Cheating devastates any relationship, so correct me if I’m wrong to say that when a married man or woman finds out that their husband or wife cheated, it’s a little more heart breaking than a boyfriend or girlfriend who cheats, because of the level of commitment expected. Better yet, a person who has spent years with another, and those that have children together suffer more. But the first thing you should do is stop and think about whether or not this is something you are willing to try and work out. For some it’s possible to get pass the devastation and heartbreak, for other’s it’s not that simple. Whatever your course of action is, you will eventually have to learn to let it go. If you decide to work it out with your spouse, you have to get pass it and let it go. If you break up, but have children, you have to let it go for the sake of the kids. Even if you don’t have children, and decide not to stay together, you still need to let it go. The last thing you want to do is bring old baggage into a new relationship. LET IT GO!

Insistent lady cashier
An old man walked into a shop and got some dog food and went to pay for it at the cashier counter. The lady at the cashier told him that he couldn’t buy the dog food because she needed evidence that he had a dog. The old man protested and told the cashier that her request was ridiculously absurd, but the cashier insisted that he showed her his dog. So the old man brought in his dog and showed it to the cashier and he got to buy the dog food. The next day the same old man went to get some cat food and the cashier told him that he couldn’t buy the cat food until she got evidence that he had a cat. The old man again protested and told the cashier that her request was absurd, but the cashier insisted that he first prove to her that he has a cat. So the old man went home and brought along his cat and he got to buy the cat food. Next day the same old man went in again and he brought along a box. He told the cashier to put her hand into the box and feel its contents and so she did. She said it felt moist, warm, sticky and soft. The old man then said to the cashier, “ Now that you’re satisfied with the evidence, can I have some toilet paper please ? ”

Life Is Short

Don’t sell your soul, life, and time for money for too long of a period. Don’t let little things get in your way of what you really want to do with your life. Stop making excuses about why you can’t do something. If you really want something, you got to go and get it. Let go of your “should’s” and make your dreams a “must”. Until you do that, your dreams will stay just that, a dream and won’t become reality.

Life is to be experience and enjoyed. Life is not meant to be spent doing something you don’t want to do your whole life. Plan out your life so that you can soon do what you want, and work because you want to not because you have to, that is, if you even decide to work.

Everyone is looking for one thing in life: Happiness. So why is it that most people want to cling to things that make them unhappy? The answer is FEAR. Fear of losing that sense of security, which for most of us, is a false sense of security.

Because life is short, you need to quit doing what the average person does or you will end up living a life that average people live. Be a kid again and dream big. Don’t let the limitations of your income bring your dreams down. Plan your life in a way that will let you experience those dreams. By doing so you will inspire those around you.

Don’t get caught up in making a living instead of designing your life. Don’t be one of those people who wake up one day when they’re old and say to themselves “what happened to my life?” Letting the little things in life get in the way of big things in life is foolish.

You’re probably thinking one of three things at this point (that is if you’ve read this far). One is “life is short, blah blah blah, easy for this guy to say, he doesn’t know me, he doesn’t know how complicated and hard my life is”. Two: “Eh, I’m cool where I am right now, I might not being living my dreams, but I’m comfortable”. Three: “I understand where he’s getting at, but even if I wanted to live out my dreams, I wouldn’t know where to start”.

1. Whatever you’re facing or going through, there are millions of people who have it worse than you. Stop complaining about circumstances. Circumstances happen to everyone, it’s what you do about it that matters. If you keep complaining, you will only end up living a life worth complaining about.

2. Being in the middle is probably the worse place to be. You’re not living the life you want to live but your life is not bad enough for you to do anything about it. This is where most dreams are destroyed and lives are ruined. We get comfortable. We start rationalizing “it’s not that bad, I have it better than a lot of the people I know”.

If you want to be average, keep rationalizing. If you want to live your dreams, be honest with yourself. Don’t be like the dog that whines because he’s lying on a nail but doesn’t do anything about it because it doesn’t hurt enough. Jump on that damn nail as hard as you can so that it will wake you up and get you moving towards the life you really want to live.

3. Everything starts with you. For things to change, you must change. As long as you have strong enough reasons why you MUST live the life you dream of, the “how-to” will eventually come to you. That determination and undeniable belief that you WILL live your dreams will soon attract people into your life who can help you get to where you want to be. Start surrounding yourself with people who will encourage you and who can see you for who you can become instead of just who you are today.

Negative people are energy drainers, dream stealers, life destroyers and you should get as far away from them as possible. Your life will never far exceed the expectations from your peer group. Want to know how your life will turn out, look at your friends. If you don’t like what you see, get new friends.

In closing, never forget that life is short. Tomorrow was never promised. No one ever said you will still be alive 5 years from now, or even 3 months from now. The more time you spend on doing things you don’t like, the less time you will have doing the things you enjoy. What ever it is you want to do in life, start today, don’t delay, make a plan and start right now!