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3 Money Secrets That Could Actually Ruin Your Marriage

PHOTO: GETTY IMAGES FOR BET

Most people don't like to talk about money — even with their spouses. But, if you don't open up to your partner about money, you could be opening up your marriage to trouble. "Ask anyone and they'll tell you that honesty and trust are the foundations of a successful relationship," says Elle Kaplan, finance expert and founder of LexION Capital. "It might not sound romantic initially, but much of this mutual faith is connected to your finances. Everything from wanting a child to retiring together requires not only emotional but also financial transparency." Some money secrets are especially dangerous, too. Here are three that our experts say you should never keep from one another.

1. You've got debt.

ou may not want to deal with your credit card or student loan debts, but keeping those big bills from your partner could hurt your relationship in addition to your pocketbook. "Debt with high interest rates will quickly snowball, and it can turn into a financial disaster if it's brought up too late," warns Kaplan. If you can discuss debt with your partner, though, he or she can help you create a plan to beat debt down. Plus, your partner could also help you "discern any bad habits that may be adding to the debt load instead of decreasing it," says Mary Beth Storjohann, finance expert and founder ofWorkable Wealth. "If you don't share these numbers, it becomes even harder to put full force towards tackling the debt."

2. How you feel about money — and why.

"Especially when you start to combine your finances, it's not just what you have that matters," warns Kaplan. What you think about your moolah matters too. "When you're setting new goals as a couple, having your financial attitudes aligned is imperative," she explains, and they can't be if you never reveal them to one another.

Beyond what you believe, you may also want to share your history with money. says Storjohann. "Sharing experiences you had with money while you were growing up, howyour family handled money, and your most impactful money memories with each other will help you to understand where each of you is coming from when creating a joint plan for your money," she explains.

3. Your credit score.

A credit score may just be three little numbers, but it packs a big punch. "They can be a major roadblock for the most important purchases in your marriage," says Kaplan. Imagine how unhappy your spouse will be if they find out your score isn't high enough to qualify for a home mortgage only after you've found your dream home.

"While you may want to keep this number to yourself, the moment you try to apply for a joint auto loan or mortgage, the truth will come out and one of you could end up costing the two of you hundred if not thousands of dollars in additional interest," says Storjohann. The good news is that credit scores can improve with time and good financial habits. And your partner can help you figure out the habits that will boost yours even higher.

Source: Glamour

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HOLD SOME CARDS, DON'T LET THEM HOLD ALL THE CARDS.

HOLD SOME CARDS, DON'T LET 'THEM' HOLD ALL THE CARDS

Sometime in 2012,strange things were happening to me. I sit quietly and my heart starts racing and skipping beats. I knew the exact moment it started. It was so freaking scary. I was tired all the time, with bad acid reflux(heartburn) issues that affected my sleep at night, sometimes.

I was a medical student at the time, and you can imagine all the self diagnosis I did on myself. But all my inferences followed the book, standard cause and effect I was taught in school. But things still weren't adding up. It was frustrating I tell you.
A month or two after, I noticed this strange numbness on my right forearm. I wondered and analyzed and dug deep.

Nothing.

I went to see doctors, who told me nothing was wrong with me, and that I'm just worried too much.

You certainly will be worried when your heart is racing ahead of you!

I soon 'got used' to these symptoms, watching as more, seemingly unconnected symptoms, joined these to plague me.

I was already on the path to discovering wellness and the mindset that digs for root causes of illnesses not just symptom relief, so I couldn't just let go and take the superficial reasons I was given. I had to know!

I could now feel the pain and frustration of a patient who turns to the healthcare system for answers, and gets turned around in circles.

Being on the wellness path, that was the period I decided to get serious with my crafted fitness routine and slowly cut off sugar and artificial sweeteners from my diet. I was seeing a future career in this, and my life is one of the best proofs it's worthwhile.

So, I cleaned up my diet and watched. I took it step by step and observed. And then I saw it.

Most of my symptoms faded away after just a few weeks off aspartame!

Now let me break it down a bit. Aspartame is an artificial sweetener found in a lot of drinks, from Nutri C to diet soda to store-bought yoghurt. It's several times sweeter than sugar, so you can see why economically it's a better option for food production(cheaper than sugar). Sadly, artificial sweeteners have been linked, by several studies, to the ever rising rates of obesity and diabetes, and also neurological problems(PS, my forearm numbness).

I was able to make this link with surety because I was literally addicted to Nutri C. I drank it with almost every meal. It was an innocent pastime I didn't know was hurting me.

It seemed dramatic, but it showed me something: A lot of times its the little changes you stick to in your health that give you amazing results. I've never had those symptoms ever since.

Don't allow yourself get frustrated by the healthcare system. Especially if your symptoms are disturbing, but not life threatening. There's always something you can do. Educate yourself,and be empowered.
Don't give the healthcare system all the cards, hold some on your own side of the table.

To your wellness,
Sandie.

Christmas Season

Hi! Thanks for Stopping by my blog today. I am sure you must have been wondering about the long silence on the blog. I have actually been working on some new stuffs, which will be unveiling itself from next year January by God's grace.
Christmas is here again and it's a Season whereby we show love to our loved once , by gifts for friends and families. It's the celebration of the birth of our Lord Jesus Christ. I understand some of us might have challenges in our different spheres of Lives, but despite the challenges we should try to overcome and believe that God is always there for us.
Enjoy the Christmas and have a Merry Christmas with Love

Dear Parents/Guardians

Dear Parents/Guardians,

The exams are over and school is almost out for the 2016 academic year. 

Your children will bring reports home this week. I know you are all really anxious for your child to do well. 

What's the meaning of "doing well?"

Please do remember, amongst the children who sat for the exams, is an Artist, who doesn't need to understand Maths. 

There's an Entrepreneur, who doesn't care about History or English literature. 

There's a Musician, whose Chemistry marks won't matter.

There's a Sportsperson, whose physical fitness is more important than Physics. 

If your child does get top marks then great. But, if he or she doesn't, please don't take away their self- confidence and dignity from them. 

Tell them it's ok, it was just an exam. They are cut out for much bigger things in life.

Tell them, no matter what they score, you love them and will not judge them.

Please do this and if you do, watch your children conquer the world. One exam or a 90% marks won't take away their dreams and talent.

And please do not think that doctors and engineers are the only happy people in the world.

Be happy for them when they come home with those reports this week. Encourage them to do better. Motivate those who were not successful. There's beauty in going back and giving it another shot. Don't judge them. They expect of you, their mother, their father, most of all to understand and to still believe in them. 

Failing a grade can never make your children failures. Their destinies lie locked up in far greater things. 

Have a nice day!

The Timelessness of Cashmere

The Timelessness of Cashmere

I’m pretty sure all of us have a classic cashmere piece in our wardrobes. Whether a simple patterned scarf, that go-to sweater, a classic coat, or a luxurious pair of socks, we’ve all been grateful at one point or another for the warmth and comfort that cashmere provides.

Before we complain about the price of cashmere, let’s learn a bit more about it first. What is cashmere? I hear you all ask. Well, cashmere is in fact rare fibers found in the undercoat of wool from a cashmere goat. This wool keeps the animal warm during extremely low temperatures and, according to this site all about cashmere, it can take up to four years for one goat to grow enough wool for a sweater. This may put the price of cashmere goods in perspective.

The History of Cashmere

Another factor adding to the value of cashmere is the long and rich history behind it. Don’t worry, I’ll keep it brief! Cashmere has been produced for thousands of years in places like Mongolia, Afghanistan and Kashmir. The 18th century marked the beginning of the exportation of cashmere to the West, where it was used as lavish scarves for the upper class. It wasn’t until the 20th century that cashmere was used for the sweaters and cardigans that we’re familiar with today.

Shopping for Cashmere

Like everything, there is of course good quality and bad quality cashmere products. The first thing to look out for is 100% cashmere but unfortunately this can oftentimes be slightly misleading, as there are different quality cashmeres. Generally speaking, you get what you pay for. Good quality fibers should be long and thick, two-ply where possible, and should ideally come from Mongolian goats.

Luckily, with every winter season there are lots of in-store and online promotions. Many stores do a special edition cashmere section such as this “I Love Cashmere” series. With such selections it’s easier to find out more about the quality of the cashmere used.

The Benefits of Cashmere

There are many benefits to the luxurious material that you should bear in mind before purchasing your next polo neck.

• It doesn’t ball up in parts where there is more friction.
• It’s extremely warm.
• It is quite lightweight and less clumpy than wool.
• Good quality cashmere can last for a lifetime.
• It doesn’t itch like wool does, it’s smooth and soft to the touch.

So let’s face it, one of the most exciting things about the wintery months is getting to show off our favourite knitwear and our best wool pieces! For those who were on the fence about the wool that never goes out of fashion, hesitate no more and stock your wardrobe with a few quality staple items. You won’t regret it!

Source:FastionTag

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Prove that you are not a robot by answering the question that will be given below inside the boxes.Login by clicking sign in

Inside the new Customer account you create By your left side when you are using laptop you will see my money click UPGRADE-click ADD PAYMENT ACCOUNT-click ADD NEW ACCOUNT after you click add new account inside it you will see

Donation Method put Bank Transfer the second box you will see Account put All your bank details.

You will see Note you can write a short note like Notify me when you pay to my account by calling or sending me an SMS

You will see Your Security Question put your Security Answer there and Submit the details of the new Customer.

If the new Customer has paid you the 8000, now go back to my Money click Upgrade again you will see all detail of the sponsor.

In that page scroll down to step 2 you will see
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Your account that you sent from put Cash
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Now as the sponsor login to your crowdrising account to confirm the new Customer donation that was given to you.
Immediately you confirm the donation the new Customer you register is free no time limit for him again

Thanks for your understanding