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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.
Do you like to talk on the phone? If you do here is a way that you can make money online by talking on the phone without actually selling anything to someone. How does that sound to you?
1. Use the internet to sort through tire kickers to come up with serious people looking for ways to make money online. Using a landing page that includes a sign-up form that asks for a person’s name, e-mail address, and phone number if they want to be contacted about making money online is an effective way to do this.
The vast majority of Internet marketers simply do not take the time to call people and answer their questions. You may be surprised as to how many people will take you up on this offer if you take the approach that you have an opportunity for them to make money online, and you just want to answer their questions,.
You will want to use a free Internet phone service such as Skype if you deal in products that allow you to recruit members worldwide. All you need is a microphone and speakers to talk to your prospects and It is free to join.
Anywhere in the world you can talk to people and you will hear them just as though you were sitting next to them in the room. If you were to promote this for just a few months, you would be surprised as to how busy your Internet business will become.
2. To conduct interviews with successful Internet marketers is another way to make money online by talking on the phone. Record these interviews give them away as free content on your blog. This will be unique content that no one else has because you are the only one doing the interview.
Recording several interviews, compiling them into a series and selling them online is a good strategy. By creating CDs and mailing them out in a package to people, you can charge even more.
3. Conducting online seminars is another way you can talk on the phone and make money. Invite only a certain number of people to be on the call with you and then bring in your featured guest. Give them a chance to sell their products, or if they have an affiliate program join under them and sell the products on your affiliate link.
This is three ideas on how you can make money online by talking on the phone. There are people who would not prefer to talk on the phone or use it to conduct business even though the Internet has become so popular.
Owning a coffee franchise can be a very rewarding experience, but before you sign on the dotted line and start serving hot cups of ‘joe’, there’s certain things you need to know so you can make the right decision. If you go into buying a coffee franchise blindly, you could end up making a very costly mistake.
First things first, get a reality check. You should know going in what kind of money you have to put towards a coffee franchise, you should understand your strengths and weaknesses in running a business and be very honest with yourself about how much time you’re willing to spend in your business. If you do this, you’ll be way ahead of the curve. Don’t jump into any decision. Take your time, consult with franchise experts and do your due diligence.
The attractive thing about owning a coffee franchise is the cash flow and profit margin. People are drinking coffee today like it’s going out of style and they are happily paying upwards of $3 per cup. The real cost of the coffee is under $.25. The profit margins with coffee are HUGE! On the contrary, only making a few bucks per cup isn’t going to get you a mansion in Beverly Hills. A Coffee franchise is 100% a volume business. You have to crank out thousands of cups per month to see any real income. Some of the most successful coffee franchises have drive-thrus which can make up to 70% of the revenues.
The real secret of a coffee franchise is NOT the coffee, but the atmosphere. People can get coffee anywhere, but they come to these shops because of the social element. They come to hang out, conduct business, surf the web, relax, read a book, whatever. That’s why so many coffee franchises have the relaxing and mellow look and feel to them.
However, there are things about a coffee franchise that aren’t so fun from the very start. First, the high start-up costs can be huge. Not only will you have to pay a hefty franchise fee, but then you have to get a location, you’ll have to get equipment, you’ll have inventory to get, fixed costs, variable costs, employee wages and on and on. The costs can be high. Don’t forget about the royalty fees that are based on gross revenues, not net profits.
Now even if you are financially capable of buying the coffee franchise, that won’t matter because there are more pre-qualifiers you must meet. You’re going to need a considerable net worth, a good credit history but the real challenge is that you have to get approval to buy the franchise. If they don’t like you, they won’t sell you a franchise.
The old saying Never leave home without it applied to a credit card but it may as well have been about promotional fish bowls. These containers have so many functions, they are a must for the seasoned exhibitor. Storage, advertising, giveaway holders, lead capturersthey do it all and much more. Whenever you are looking for an inexpensive way to get noticed, pack these little dynamos.
Chances are, several marketing freebies are being taken to the trade show. USB drives, keychain hand sanitizers, and mini flashlights are a few of the hot items this year. Rather than having them strewn all over the table in the booth, keep them in fish bowl containers silk screened with the company logo. Attendees can easily grab what they want without spilling the other items onto the floor.
Having a few contests almost guarantees that your booth will be a trade show hit. Keep contest entries organized by having attendees place them in the fish bowl at the booth. As soon as they see the attractive container, they will associate your company with quality. These bowls come in many shapes and sizes and taking the time to personalize them with the company logo shows the business pays attention to every detail.
The whole point of exhibiting at a trade show is to increase sales. Keeping all those business cards organized is no easy task. As soon as you receive one, make some brief notes on the back regarding the conversation with the prospect. Store the cards in a lidded fish bowl behind the booth table. If booth contents are moved during the night or when packing up, others can identify the owner simply by looking at the logo imprinted on the side of the bowl.
Fish bowls are also excellent containers for advertising materials. Postcards and coupons are small and lightweight so the slightest gust of wind can make them fall off the booth table. Rather than picking these up every time someone walks by, store them in fish bowls and encourage people to grab a few when they visit the booth.
With promotional fish bowls packed in the exhibit booth shipment, exhibitors will never be searching for a container. These hold free promotional items, advertising, contest entries, and prospect business cards and the imprinted logo makes them look professional. Their durable plastic construction ensures they will be around as a trusty exhibit booth assistant for many years.
What is Click bank-merchant?
Click bank merchants are vendors who are inter-faced by Click bank with their customers.
Click bank process the sales order, gets the payment approved, and handles billing, enquiries.
Click bank merchants act as an interface between the vendor, bank and the customer.
How does the process of making money work for Click bank-merchants?
The working of a click bank is very simple.
The vendor places the click blank link on the website where he sells his products.
When a customer clicks on the order link click blank allows the customer to view the price against the name or picture of the product.
On acceptance of the credit card number, transaction is completed
Click bank then sends the payment to the vendor
Click bank works on the basis of commission on each sale processed.
What resources or skills will you need?
It is very easy to access Click bank services. All you need to do is to sign up with Click bank and create a link to your web site.
How do you get them?
Click bank can be accessed with ease through major search engines.
What is the investment?
Firstly, you must sign up for a click bank account. This is mandatory to ensure that Click bank processes your bills and payments in a smooth manner. The account opening is free but when you start your sales an activation fee of $49.95 and a deduction of $1 + 7.5% from every sale processed are charged.
Who is the competition?
Clicktosell and Paydotcom are competitors to Click bank. They have taken over merchants from Click bank and created a better version of the product to bypass the issues faced by clients of Click bank.
Click bank holds the market monopoly but Clicktosell and Paydotcom are also popular service providers to e-traders.
Clicktosell offer many added features including the ability to sell downloadable materials and subscription products using pay to sites like Paypal, Authorize, World pay and Gcheckout
Alteration to the accounts are done free of cost
Save almost 90% on commission
Supports all currency
Merchants are rated according to how they pay their commission
Level of difficulty, Easy, Medium, Difficult – Why?
Making money through Click bank is relatively easy. Click bank holds the market monopoly and is easy to access and create a link on your site.
How much money can you expect to make and how fast?
With practically no initial investment, Click bank offers a cost effective way of making money quickly.
This option reduces the stress of maintaining billing, payment and refunds on returns.
Merchants can cut down on human resources otherwise required to monitor payments and bills.
The time saved is effectively used in creating new products to earn more profits
The money saved cannot be seen physically but employing Click bank cuts down on a number of over head costs.
The PNC Bank Online Banking service is offered by PNC Bank to its customers and account holders. This service enables the banks clients:
To access their accounts from any where in the world.
Perform various functions over the net itself, saving on time.
Features of PNC Bank Online Banking
PNC Bank Online Banking service is available for the banks customers free of cost. Following are the distinctive features of this service:
Account Summary: You can remain in touch with your finances by obtaining a summary of your PNC personal, business and investment accounts through this service.
Account Activity: You can access your accounts round the clock. You can check balances, review recent transactions and view images of the checks you have submitted.
Online Bill Pay: You can save time and money by paying your bills through this service. Online bill payment requires just a few minutes of your time, with you using just one simple screen to place your instructions. This service gives you the flexibility to decide how much you want to pay for each bill.
Online Statements: You can contribute on saving paper. You can use the PNC Bank Online Banking service to receive and view your statements online. You can also print or download statements for up to last 36 months.
Transfer Funds: Through this service, you can move your money to where you need it. You can either transfer funds between your PNC Bank accounts or between your PNC account and your accounts at other financial institutions.
AutoAlerts: You can use this facility to remain informed about every critical event related to your accounts and bills. This service can send you e-mail notifications to alert you about key account activity such as low balances, the arrival of direct deposits or overdrafts on your account.
Data Export: This facility in the PNC Bank Online Banking service enables you to download account activity in Excel, Microsoft Money or Quicken file formats in just a few clicks.
Almost everyone is looking for ways that they can earn extra money. Who couldn’t use some additional cash? Many individuals are turning to the internet as a way to make that money and, unfortunately, many end up losing money instead.
The internet can and is a great way to make money, but you have to be careful. People are quickly discovering that while you can make money on the internet, there are thousands and thousands of online scams. Therefore, if you plan to look at any opportunity, you should keep a number of things in mind.
If a company is asking you to give them money, but are unwilling to explain in detail exactly what they are selling, and how it works, beware. Many companies online are not even based in the US or in North America, for that matter. They may take your money and send you nothing. Sadly, because these firms are not even on the same continent, you will have no recourses to get your money back.
Check into any company carefully. There are many new companies online that are legitimate, but many are “fly by night” operations. Once they have reached a certain number of people they simply close down, and you will never be able to locate them again.
Moreover, chances are they will re-open their swindle using a different company name and a different site.
When looking into a company check to find out how you can contact them. Do they have a phone number? Call the number and see if it works. Find out if they have a mailing address as most legit companies will have an actual address.
Another safeguard that you might want to do is to go to different online forums and see if you can discover any complaints against the organization. You should even contact the Better Business Bureau and see if the company you want to learn about has any feedback of a positive or negative nature.
Additionally, you should also try to use a PayPal type service or similar mediator. That way if there is any kind of problem you will have some kind of recourse to getting your money back. However, never give out your credit card information to an online company that you have not thoroughly investigated. There is a chance that if you do, you might get burned.
Finally, beware of the pyramid scam. Although this kind of business is illegal, they are cropping up all over the internet. You can usually detect a pyramid scheme by the fact that the company never really explains what it is that they actually do. They talk about sales, but they do not tell you what it is that they are selling.
With any kind of online business or offer, you have to be cautious. If it sounds too good, or if you are harboring any doubts, do more investigating. Foremost, be safe and beware.
Some people think becoming an entrepreneur is so difficult. They often think that to be an entrepreneur, money is the main factor. Actually, there is something else such as mental preparation that plays an important role.
Some people choose to be entrepreneurs because they do not want to suffer tight competition in the workforce, to have the desire for unlimited earnings, to have the freedom to determine their own destiny, and to be more independent or to have extra satisfaction on their personal achievement.
In the early stages of becoming entrepreneurs, however, people should realize that their income can be less than before, no more company allowances. Not mentioning that they have to work harder and longer hours, with the responsibility of employing their workers.
Moreover, they should cope with critics from their environment about how stupid they are for letting go such a good job with good payments and benefits.
People should have more than one income source, but by being entrepreneurs, they are working for themselves, and they alone will determine how much they want to earn and how.
Tips for new entrepreneurs:
Start with a low working capital, so people can minimize their potential loss that may occur.
The other advantage is to train to survive in the new business with minimum facilities.
Be flexible; entrepreneurs should revise their business concept with current trends and economical conditions.
It is recommended to have a mentor who can share knowledge and give advises on critical points.
Start with your hobbies.
By doing so, hopefully they can cope with the frustration and do not give up when they have to deal with difficulties.
Sometimes it is a good idea to do a completely new business idea that might bring less competitors.
Starting a new business needs capital. It is a safe way to use their own savings, because they do not have to pay interests or risk their assets when taking business loans from a local bank.
Avoiding interests should be considered since it is hard for a new business to gain profits during its first months of operation. It can take their breath away to pay high interests.
For people with a strong network, they can look for partners to cooperate with, so they also can share the capital.
Having a business does not mean that people will earn profits right away. Entrepreneurs should think about getting loyal customers and give them competitive services.
After a business has been developed, entrepreneurs might need employees. it is important to put honesty as the first criteria. It is a fact that honest people become rare nowadays, and you do not want to be cheated by your employees.
Last but not least, entrepreneurs should understand that running a business is a process. There will be some critical moments before they can earn a stable profit.
Studying how to trade currency can be your chance to attain financial freedom. Personally, i have quit my day job a few years ago because i am going into full time trading. Nonetheless, not everyone that is participating in forex trading are able to become a full time trader. You had to be able to trade the currency properly in order to accomplish that. Here are some tips that I want to share with you if you plan to become a full time trader one day.
Professional forex traders never stay to trading just one currency pair. Everyday there are a lot of chance on all currency pairs, hence you must be able to analysed and trade all currency pairs so that you can easily profit from any currency pairs that is trending. The key here is trend; there are times when a currency pair is moving sideway while others are trending. So you got to watch for a trending pair and then ride the trend to profit.
There is times where the price will bring about great spike which will sometime stop out your position. This is normally due to forex traders trading the news. If you are interested in learning how to trade currency using the fundamental, you should be conscious of the release dates of some critical economics data. Not all economic data will impact the forex market, hence you need to do some research or read up on what reports are more considerable and which is not. Even So if you find it hard to understand or interpret those data, you can just trade using forex technical analysis and then try to leave all your position before any economic data published. This can definitely spare you from becoming the victims of fundamental news.
Select wisely. Stay close to the best Forex currency trading software to maintain you on the go. It genuinely counts to read and study the credibility and truthfulness of the Forex software reviews available online so that you do not overlook the right thing. Also, it will help you discover ways on how to trade forex currency without the need to fail the first time. Do not trust your future on any software who says otherwise.
Kelvin is a Forex enthusiast and a full time Forex trader. His blog at offers simple yet powerful Forex tips and strategies to help other traders to make their 20 pips a day. Kelvin’s Forex newsletter is jammed packed with Forex tips and techniques for other Forex enthusiast. Subscribe for Free Forex Strategies newsletter now.
There are three business arrangements in Singapore that have been specifically created for foreign entrepreneurs and business entities planning to have a presence in the country: a subsidiary company, branch office, and representative office.
These are the basic differences between these business entities for foreign entrepreneurs and investors:
1. Subsidiary company
This is probably the most ideal business entity for foreign companies planning to form a Singapore company or expand their presence in the country. This is because this formation provides countless of benefits especially when it comes to tax incentives and limited liability.
As a separate legal entity from its parent company, a subsidiary company may have a different name and is allowed to conduct any business activities in the country as long as these are legal.
A foreign company with a subsidiary company enjoys a limited liability, an arrangement in which it is not liable for any losses, liabilities, and debts of its Singapore auxiliary business.
And because a subsidiary company is incorporated in Singapore, it also enjoys local tax benefits even if it is 100 percent owned by foreign businessmen and entities.
However, this business setup is required to appoint at least one resident director who may be a Singaporean citizen or holder of EntrePass, Employment Pass, or Permanent Residence Status.
Meawhile, a subsidiary company may have one to 50 shareholders who may be a foreign or local individual or another business entity. To know more abour subsiday company follow this link:
2. Branch office
A branch office, being an extension of its business headquarter, is only allowed to conduct activities performed by its parent company.
Unlike a subsidiary company, a branch office is not provided with local tax benefits since it is treated as a legal extension of its parent company. And with this arrangement, the headquarter is directly liable for all the losses, debts, and liabilities of its Singapore branch office.
Meanwhile, it is a legal requirement for a branch office to hire two Singaporean resident agents who will oversee its business operation.
When it comes to government-imposed disclosure requirements, this business entity may not be appealing for some shareholders since they are also required to submit the audited accounts of their parent company. To know more about branch office, follow this link:
3. Representative office
Legally speaking, a representative office is not really a business entity as it is not allowed to engage in any revenue-generating activities.
A representative office is generally ideal for foreign companies who are not yet sure of the business viability of their services or goods in Singapore and want to conduct an extensive market research before engaging in a full-blown operation. To know more about representative office, follow this link: