The possibilities of making the kinds of connections you want are very realistic, and many long lasting relationships and marriages have begun via online dating services, not to mention casual relationships as well if that is what you prefer. The possibilities are all right there and waiting for you, but there are a few key rules you need to know and follow in order to find your perfect date online. Download to learn The Golden Rules of Online Dating – 6 essential rules to finding the perfect online date!
If you are a single mom suppressing your bream to be a business owner, here is some good news. You can fulfill your dream with the easy accessible finds that are available now in the market for small businesses. These loans are specially designed for those aspiring mothers who do not have the required fund to become a successful business owner. However, you will need to know a few things first regarding the small business loans for single mothers. Remember, being a single mother and looking for a business loan, both are difficult but there is nothing to be disheartened especially when you have survived worse situations.
The life of a single mother is full of challenges and unpredictability as it is. It becomes even more difficult if you want to start a small business and keep it running as well. The business risks and operation are even higher considering their responsibility as a single parent. The consequences are greater and more severe if you make the wrong choice. Therefore, you as a single mother must know the how to figure out the best option for funding for your business. It will pay off well if you are fully informed about your options before signing on the dotted lines for the loan.
Where to start
To start with your business funding endeavor you must first know where to start from. Irrespective of the type of funding you choose, there are three basic things that you should do:
Consider government business resources
It is recommended that all single mothers seeking financial assistance for starting a small business contact the SBA’s Women’s Business Center. You will get all necessary information from these centers that also offer:
Apart from that, you may also consider other different federal government programs such as the Community Development Financial Institution Program, CFDI. This is the initiative of the Treasury Department and works with SBA. It helps single mothers develop their small businesses in the under-served communities but lacks access to any traditional financing. It is a tailored resource that offers innovative programs investing federal dollars along with private sector capital.
Different finance options
There are different financing options for single mothers wanting to start a small business such as traditional banks and alternative lenders.
But before you sign on the dotted line you must read the terms and conditions of the business loan. There may be several clauses and terms that may put you and subsequently your family at a considerable risk if you are unable to repay it back on time. Avoid applying for too many loans because each application will directly impact your credit score.
As for the alternative lenders, you must be more careful as the rate of interest in their loan will be higher than the traditional big banks due to your higher risk. Check the BBB rating before you pick one and make sure the reputation of the lender is solid.
A final thought
Give a final thought so that you are very sure before you take on the loan. Plan way ahead of the approaches to overcome the challenges by avoiding toxic people, being proud of being a single mom business owner, working harder and looking for someone who will support your dreams
Halloween is a fun time of year when you and your partner can put your creative minds together and rock a couple’s costume. The trick is to think outside the box and create something memorable.
There are plenty of go-to Halloween costumes for you and your partner to invoke feelings of nostalgia, humor, and amazement. Here are some iconic couple’s Halloween costumes for you to wear (and scare) together.
There are so many iconic, classic creepy couples for you and your other half to be for Halloween. Take a page from Tim Burton’s creations and go as Jack and Sally from the Nightmare Before Christmas, Kim and Edward from Edward Scissorhands, Beetlejuice and Lydia from Beetlejuice or Victor and Emily from The Corpse Bride.
If Burton’s characters don’t have the emotional response you need, take another direction and channel your inner Gomez and Morticia Addams. Alternatively, take it even further back and create a new age spin on a classic movie monster couple, Frankenstein’s monster and his bride.
While one could argue that many of Tim Burton’s characters fall under the Disney umbrella, some look for a more lighthearted approach to their couple’s costume. Choose your favorite Disney couple to dress up as, either from the classic Disney Renaissance period or one of the more modern movies. Beauty and the Beast and Aladdin are Disney cartoon classics that are at the forefront of movie-goer’s minds right now due to the focus on their remakes.
It’s worth noting, that technically Princess Leia and Han Solo are now Disney characters, as are the Avengers. Now is a fun time to create cross-over costumes between new Disney and old or create a few scandals by mixing and matching your Disney couple.
For the humorous couple, aim to get some laughs from your friends with a funny Halloween costume. Stick with something classic and cute such as Pacman and a ghost or be the two sides of a peanut butter and jelly sandwich. Play up the opportunity for puns by having one person dressed as Belle from Beauty and the Beast, and the other dressed as a taco. Alternatively, play it a little edgier and dress up as a plug and socket.
When aiming for some laughs, think of commercials, pop culture references, puns, and jokes that get you chuckling every time. A fan-favorite this year is Jake from State Farm and the angry wife on the phone.
If you’re one of those couples who has big ideas, then leaves everything to the last minute, this one is for you. The trick to a successful last-minute Halloween costume is being able to repurpose things you have at home, with a few things you can pick up at the local dollar store for a minimal investment.
Some common ideas are a fisherman and mermaid or hunter and deer or rabbit. Alternatively, go as social media with a cardboard cut out of an Instagram post or as Facebook in the style of Jim Halpert and a “like.” Whether you go for something pre-planned and elaborate, purchased from an online store or thrown together last-minute, remember to stick together and have fun.
You may have heard or even experienced that the long-term relations eventually go flat and become boring. Even though you believe it as a myth during the early years of married life, anyone can expect this to happen to you too. The experience of feeling attraction, desire, and sexual excitement may not be powerfully stimulating for long, and the couple starts assuming that the flame has gone off and the future may be uninspiring. Possessed with this assumption, many couple’s life seemed to face a downward trajectory over time and often ends in despair or separation.
Even though it is impossible to prevent such stale moments from occurring in our married life, it is always possible to keep the fire alive in relationships. There are many possible activities to keep the bond rolling and minimize the impact of staleness. Many couples succeed in keeping their relationship fresh, exciting, and passionate through a wide range of activities done together. Whether you are in your 20s or 60s, it just requires supplementing it with some pleasure and fun to keep it fresh.
Most of the times, people tend to say, “I would love to be so, but there is little time.” But the fact is that there is always enough time if you wish to. Many among us tend to assign high priorities to our responsibilities and commitments than relationships; however, it is not necessarily due to the negligence of relationships, but as we take it for granted that the significant others can understand it.
Many among us take it for granted that as we are fully committed, our relationships will also stay solid, which doesn’t require further attention, time, and energy. However, it is proven that it is a huge mistake to take relationships for granted and assume that it will stay solid forever without care. If you neglect it for too long, then there is every chance to end up in a disaster.
If you are taking an initiative to reassure the intimacy component in the relationship, it can become habit forming and will pave basement for relational success. In this article, we will further discuss some activities which can be considered ideal to be tried by couples to keep the relationship intact.
#1 Keep dating
Don’t think that dates are only for young lovers; it can be magical for an even elderly couple who already lived together for long. Leaving home and getting out give a chance to explore the outside world by forgetting about the daily setting which may make thing livelier for the partners. In fact, if you find it too tight to schedule an outside dating, even staying home on a date may also be fun, for example, a candlelight dinner. Plan for dates as a regular weekend habit or so to strengthen the relationship.
#2 Plan a night out together
Everyone will be excited about a spontaneous date night. In the downtime between spontaneous breaks out of your routine, the couple can plan for a full date night too. It need not have to be so expensive or filled with fun. There are many options to explore in cheap date nights, which will primarily get you both out of the home without the need to analyze the family budget.
#3 Go for a wildlife safari
A wildlife safari is a family entertainment option, which can be effectively planned by the couple as a honeymoon activity or at any time you wish. At olden times, wildlife safari was meant for big game hunts. However, nowadays people don’t “hunt,” but it is mostly about observing animals at their natural habitat and also to enjoy the excitement of capturing them on camera. You can find various options for wildlife safari like guided safaris, jeep safaris, walking safaris, horse safaris, camel safaris, elephant safaris, river safaris, photographic safaris, balloon safaris to name a few. Horse racing is a very good option as well. You can watch it on TVG.com.
#4 Cook together
There is an old saying which goes like “the couple who cooks together also stays together.” You can also try to break out cookbooks and measuring cups at the kitchen. Once a week or at least once a year, you may plan and wait for the spouse to have dinner by cooking together. Wait till the kids get to sleep and then have a quality time cooking your meal together to enjoy a late-night candle dinner. Going a step ahead, it is also welcoming to take a cooking class together to learn some exciting new recipes and techniques.
#5 Do social networking together
One of the major reasons heard nowadays in case of separations is that the spouse is busy in the virtual world of the internet than spending time together with the other. So, it is a good idea to plan a great time together to do social networking or blogging together. This also will bring in more transparency in relations and makes it stronger. If both are interested in blogging, then brainstorm for topics which both would enjoy and do some co-blogging.
#6 Take up new hobbies to be together
As we discussed in case of co-blogging, find other common grounds also that both the couple enjoy together. There can be many simple connections between the hobbies if you haven’t explored it every. Say, for example, nature walk, cycling, or bird watching may be liked by both and can be done together. For some others, it may be kind of adventures like snorkeling or surfing to spend quality time together.
#7 Relax together
Many among us won’t jump a cozy chance to be at the spa during free time. Sometimes, you can convince them to visit for an at-home spa service with which you both can enjoy a relaxing together experience. Try to make some setting also by working together at home for the spam day as by playing some relaxing music, setting dim lights, and arranging a cozy couch for each other to relax and unwind.
With all these being practiced, try to make every day a celebration of your togetherness. Mark all possible days to celebrate including that when you first met, got engaged, wedding, birthdays and whatever possible. Live with flying colors, and you will never find it boring.
The financial status of single mothers is often related to poverty but it is not as simple as it seems. There is no reason to believe that single mothers will always have debt and have to suffer in silence having no one to support or ask for help. The rising trend and number of single mothers have raised concerns of government of different countries to announce debt relief programs and different others that will provide financial assistance to them in running their household and raise their children.
However, in almost all countries all over the world, family structure and poverty are often intertwined and is believed that nearly a third of all households headed by a single mom live in or below the poverty line. On the other hand, study reveals that it is only about six percent of families headed by married couples are officially ranked as poor. Most amazingly it is found that an about 45 percent of children are leading life in poverty who are without a father.
According to recent research, it is also found that intergenerational income mobility in the metropolitan areas is very low where there are a large number of single mothers. This finding has resulted in a fierce public debate over the meaning of the relationship of single mothers with poverty and debt.
The survey reports also say that cities that have a large number of single mother households tend to have a very slow and low upward mobility. In some areas it even has a clear declining trend as the number of single mothers rises. The statistical power and link of this variable between family structure and income inequality or mobility is stunning and even alarming at times.
The controversy in the issue
However, researchers have proceeded with extreme caution to establish this link and has emphasized on all possible factors to arrive at such a bold-faced finding. Still this happens to be the most controversial issues across the globe. The reasons are:
These issues are substantiated by several theoretical as well as practical examples by the critics. They argue that cities that usually have a large number of mothers who are alone and single have a less upward mobility. It is even seen for those families where both the parents are in the home. That means the channel is unlikely to have a direct effect or link due to the single mothers on inequality. It also nullifies the common misconception that single mothers always incur multiple debts and need to go through different debt settlement reviews and consult credit counselors to come out of debt but all in vain.
Difficult to make conclusion
No matter how tempting it may look to deduce from the tidy pattern of inequality so depicted by the researchers, it does not scientifically explain the relation. It does not even explain the fact that breakdown of marriages will always cause poverty eventually. Therefore, it is very difficult to perpetuate inequality with single mothers.
Therefore, the belief that frayed social values results in poverty suggests just the opposite. It typically argues against all of the wrong policy prescriptions. According to this argument, more emphasis is given on incentivizing marriage, teaching family values and convincing the poor people to get married to come out of poverty.
Argument for more economic analysis
Conservatives say that there is an immediate requirement of more economic analysis of the ‘causal chain’ regarding inequality in income and status of single mothers. In the meantime, they look for better explanation considering the explanations that are already available. At the very least, such efforts results in further scrutiny of the underlying conditions that may create a low social mobility for the single mothers.
They also argue that such findings when taken at face value will make people believe easily that the culture of a specific community is the primary issue and causation of such inequality. This inevitably results in blaming the single mothers due to their prevalence in that community. People will even cite that the absence of fathers is the primary cause for children being poor and are deprived of the opportunities to move up in their career in future within the specific community.
Therefore, it is high time to come out of the common misbeliefs and blaming single mothers in the neighborhood for high rates of unemployment, poverty, and incarceration having a huge impact in the economy and debt accumulation. It is unwise and even derogatory to think that a woman will get married only for economic security and have any values for the institution.
Dealing with financial issues in any relationship is not that simple. Right from deciding who pays for what to the point of whether opening a joint account or not, there might be so many different financial issues for you to negotiate. But one major financial hurdle has to be debt, which people generally don’t talk about much. Debt has become quite a big of a problem in the USA and even if you divorce your partner, you might have to bear the burden of debt on your shoulder.
A recent survey from finder.com of over 2000 adults have found out that a startling number of USA natives accrue debt through romantic relationships. Most of them have even retained debt after relationship has ended. Around 30% of the people surveyed had absorbed debt through relationship, which might translate into 74 million Americans. The total financial amount or debt accrued through relationship is a whopping of $250 billion, which can be averaged out to around $12,000 per person.
Reasons people acquire debt:
Even before you end up solving the relationship based debt issues, you need to be aware of the ways in which people actually acquire Debt on the first place. There are top 5 reasons for that.
Marriage was always at the top number that people used for absorbing partners’ or their ex’s debt, with around 28% of people surveyed taking debt that way. Remember that pre-nups may not be the most romantic thing you have come across. However, these numbers will just show how important things might turn out to be. Most of the time marriages do not last that long. However, once you are tied with someone legally, the debt can outlast marriage too.
Around 25% of respondents had partners making purchases in their names. Lending partner a credit or debit card once in while might not seem to be that big of a deal, but the consequences can prove to be huge. Remember to trust them and know what they are actually up to before giving access to any of your money.
Creating a joint account with your partner is a big decision as you are held responsible for whatever is going to happen there. Around 20% of those surveyed has ended up with debt mainly because of the partner, misusing their accounts.
Well, you might not know this but financial infidelity is a huge thing. Sometimes, people might keep huge amounts of spending and even reckless financial behavior out from their partner’s knowledge even when it is affecting their credits and even financial security.
Most of the time, you think that people fight over money in divorce, but sometimes it can be over debt too. While everything gets split up after divorce, you might end up with debt, which was not even yours on the first place.
Best ways to prevent money from ruining your marriage:
There is no secret that fighting over money puts a hefty strain on relationship. Money issues are also quite troublesome that people who say they are experiences stress in relationship ends up blaming finance as number one reason. But, there are some proven ways in which you can keep money or dent out of your married relationship or even when you are just getting started in any romantic relationships now.
The number one mistake made by couples is spending way too much on wedding. The average wedding cost is not more than $26,000, and if you reside in any metropolitan area, then that will be 3 times more. most of the couples don[‘t have enough cash in hand to spend on wedding, so they end up taking loan for celebrating single occasion. This can result in debt, which often lead to strain in married relationships. So, focusing on the celebration which you can afford is a clever start to a lovely future together.
It is always advisable to fully disclose the financial condition with your partner even before tying the knot. No matter how uncomfortable it might be, spilling the truth before any commitment can help. Even if you are in any outstanding debt, don’t forget to mention that. It will prevent any future argue from taking place as you have cleared things out already.
Most of the fights between spouses are not because of money but because of clash of temperaments.it is a huge potential conflict source. One spouse might be too upset on the other for spending too much but this issue might not be just that they cannot afford it, but might be something way deeper than that. So, understanding the partner’s money mindset beforehand is always mandatory.
Things might change in your life. So, it is not that unusual for the people’s financial expectations to shift with passing time. The issue takes place when couples forget to check in with one another for ensuring that they are still in sync. It is often a good reality check for the couples to just sit down once every year, and discuss the financial spectrum, no matter wherever the current standing is. Whether it is associated with the money saved or paying off debt, talking about it with your spouse can help you get a perfect solution in no time.
These are few of the many ways in which you can handle finances and avoid money coming between relationships. If you don’t have debt thoughts in your mind or any kind of financial issue, then you are up for a happy future life with your spouse no doubt. It just takes a bit of commitment from your side to talk about the issues and get those solved together.
In case, you have irreconcilable differences with your spouse and heading for a divorce, you and your spouse need to settle all the debts and liabilities in a legal settlement in court. These debts cover car loans, credit card loans, mortgages, home equity and other types of consumer loans you incur. In case, both of you are owners of a small business; you should clear all personal guarantees that both of you have taken during the tenure of the business. This should be done to secure any account that is payable to the small business.
Heading for a divorce – what should you do?
If you are heading for a divorce, you should consider all the debts that you have in your name, the name of your spouse and the loans that have been taken by you and your spouse jointly. The loans you take affect your marital estate in two ways- the debt will reduce the gross value of those assets in your name and increases the costs of the individual who is responsible for the payment of the loan. All of the loans or the debts incurred at the time of the marriage that has not been paid or assigned to the individual responsible for its payment will create complications later. Both spouses or one of the spouses will be affected post-divorce.
Understand the laws of the State
The laws of the State differ when it comes to marriage and divorce. They will determine which of the marriage partners is liable for the repayment of debts and loans incurred. The laws of the state will also determine which of the two marriage partners are responsible for the payment of debts. The court needs to decide on the purpose of the debt, who is liable for repayment etc. Again, the repayment of debts should be made by both the spouses if you live in a state that is a community property state. You should also check and be aware of the laws of the state when it comes to the elimination of debts. Remember, repayment of the debt is not enough. You need to know that debts will influence every aspect of your divorce and this covers child support, a division of property, spousal support and more.
What about debts are taken jointly?
A joint debt is generally the responsibility of both the spouses to the marriage. The same applies post-divorce as well. The creditor is not concerned about how the judgment of the divorce is made, he or she wants the repayment of the outstanding debt by both the parties to the divorce. A common example of the above situation is when both the spouses have a credit card, and one of them is using it after the separation. It is understood that the spouse who did not use the credit card to make purchases should not be held liable to make the payment. However, credit card companies will seek repayment from both spouses if the repayment is not made.
What about debt consolidation?
Parties to the divorce should consider debt consolidation of all their debts and liabilities before the divorce. There are instances where the parties to the divorce have many loans to pay off. Debt consolidation is the process via which all the debts are clubbed under a single loan for repayment. There are debt consolidation companies that help parties to a divorce to repay their debts gradually over a period of time. If you and your spouse are looking for debt consolidation, you should carefully read the debt consolidation reviews of the different companies before you make your choice. Experts of these companies say there are two ways via which you can clear joint debts. The payment of the debt should be assigned to the spouse who is more financially responsible, or both of you should take steps to pay off the financial debts before the divorce is settled. Again, there are times when the creditor can release the spouse who is not accountable for the credit card bills incurred.
Debt assignments for spouses
Parties to the divorce need to be aware of the assignment of the debts for payments. They need to consider the security or the obligation for the debt. For instance, if the security is a car, the spouse who has the car is accountable for repayment of the debt. In case, the debt is a charge for a credit card or a signature loan that is not secured by a property; it is generally assigned to the person who is more financially capable of paying the debt. In case, you do not wish to take complete responsibility for the debt and think that your ex-spouse will not pay for the debt, ensure you pay off the debt prior to the settlement of the divorce. In case, you or your spouse do not have enough money to pay off the debt; you have the option of selling off the asset to repay the debts in full. You can always use the proceeds that you have got from the sale to pay the debts completely. Once the debts have been paid, remember to take the receipts and keep them safe. This is proof that you have paid off the debt and needs to be produced in court.
What happens in the case of bankruptcy?
In the case of bankruptcy, divorce courts are empowered to assign the responsibility of payment of the debts to one of the spouses. The courts generally release the ex-spouse from paying the debt. In case one of the spouses has taken debt from another spouse and not in a position to repay the debt, a petition for bankruptcy has to be filed. The courts of law will then decide the case.
Therefore, when spouses have irreconcilable differences, and they are unable to continue with the marriage, it is prudent for both of them to settle all pending debts they have between them before the divorce. Debt consolidation is an effective way to consolidate all debts and repay them gradually with the passage of time!
A wedding is generally a grand occasion, and people enjoy themselves a lot during the festivities of a wedding. The marriage is obviously the celebration of the bond that is made between two people but the relatives and friends who gather on that auspicious day for bestowing their blessings on the newlywed couple make the whole event more beautiful and happy.
There are different things involved in the wedding shopping list, and many items need to be procured for the wedding. The planning process is vital for any wedding which involves the date, venue, guest list, dress and suit for the bride and groom, etc. But the most important piece is obviously the wedding or engagement ring. The ring which is used for engagement has to be bought by the bridegroom and is probably the costliest item in the whole shopping list.
Factors to be scrutinized before choosing to opt for a pricey ring
Due to various expenses made during a wedding, credit card swipes also increase in frequency and it has observed in many instances that the cost of having a dream wedding has exceeded the budget by a huge margin. The people who are sensible will obviously try to use cash and debit cards instead of using credits or other forms of loans. However, in many cases, it has been observed that the wedding ring is bought by using balance in the credit card. In such situations a person who is making the purchase should examine the following things:
If it is necessary to choose the credit option for purchasing the wedding ring, then it is very important to know the amount which has been taken as credit. If might sound easy that the amount is known when the price of the ring is shown. But it should be remembered when that amount is paid through credit then the price might be higher than what is shown in the price tag. This happens because the credit card has certain terms given by the crediting agency and there is the rate of interest which is applied to the credited amount. In some cards, there is a period when no most inert is charged but usually that duration is not very long and the interest is very high after the grace period. In other cards, there will be a rate of interest which will be levied on the loaned sum. Hence, it is important to assess the total cost that one will incur if the payment is made through credit card and the suitable amount should be ready soon so that less interest or penalties are charged.
As already mentioned a wedding ring is nothing less than a costly affair, so it is extremely important to ensure it against damage from accidents or theft. There are different types of insurance service providers who have different conditions for ensuring valuable items. The policy agreements requiring lower payments for coverage usually do not have a comprehensive approach when it comes to ensuring a highly prized artifact. However, it is always dependent upon the financial situation of the person and also his choice when it comes to selecting insurance coverage for the wedding ring.
It is necessary to understand the fact that the wedding is the initiation of a journey in which two persons mutually coexist harmoniously. In order to achieve peace and prosperity in a marriage, it is vital to plan the finances accordingly. Usually, a huge amount of money is spent on weddings, and less thought is given about the financial needs in a marriage. Hence in order to avoid debt situations, it is mandatory to plan the funds’ necessary fora marriage and not just for fulfilling a wedding ceremony.
The pomp of a wedding is not to be measured against the money spent on having that wedding instead it should be considered by observing the overall happiness of the entire family and the couple. Sometimes for the sake of saving one’s face in the society individuals make the mistake of acquiring things that are beyond the financial capacity. This expenditure might make that single day overtly beautiful but will affect the couple later in marriage. Hence instead of worrying about what others will think if there is a lack of expensive glitter in the wedding one should come forward and calmly state his financial status and budget for the wedding. The wedding ring might be important for a single ritual but won’t make or break the wedding.
In the jewelry market, there are enough shops that provide quality pieces of jewelry at an affordable range, but there are some stores that charge an excessive amount of money. A person should be wary about such jewelry stores, and it is better to scan through multiple jewelry shops before making the actual purchase of the wedding ring. Prices should be compared both offline and online, and the quality of products are to be examined very carefully.
There are indeed a plethora of options when it comes to wedding rings. However, choosing the least priced wedding ring might not be a prudent choice because this ring will not only be worn on the wedding day but will remain on the finger of the spouse throughout her married life. Therefore choosing rings that are reasonable according to one’s budget is to be purchased.
Debt is not something that one wishes to gather that too right after a wedding but in the unfortunate event when a person finds himself in debt due to the expensive engagement ring, then it is important to work continuously for resolving the debt as quickly as possible. You can get in touch with the experts of nationaldebtrelief.com/ know more.
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