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Tuesday, February 15, 2011

personal finance money management

Marriage can be hard enough some days. Throw money into the mix, and things can get downright ugly. However, just as disagreements in other aspects of your married life don’t have to result in permanent rifts, disagreements over money don’t have to ruin your relationship. As with all things in marriage, money issues need to be worked through. Here are some ideas for overcoming disagreements about money in marriage:

Know Thyself

One of the best things you can do is understand your relationship with money. In order to articulate your position on money to your partner, you need to be able understand. Think about why you spend (or save) money the way you do. You should also come to grips with why you don’t like the way your spouse handles money, and determine whether or not your own preferences and money prejudices are coloring the situations.

Avoid Money Discussions When Angry

Before discussing money, make sure that you are both calm. One way you can do this is to make an “appointment” to discuss money. That way, you know to calm yourself beforehand. Money discussions should take place when you are both as rested as possible (not after a long day of work) and when you are not hungry. Try to find a comfortable location when discussing money, so that both of you are in a more forgiving frame of mind.

Listen to Your Partner

You and your spouse should take turns listening to each other’s ideas. Listen without interrupting, except to ask clarifying questions. Then, expect the same respect from your partner. You should be able to explain your position as well. If you both agree to listen respectfully, you will get a better idea of each other’s positions, and you will have something to work with when deciding what to do next.

Remember Your Big Picture Goals

Hopefully, you have some big picture goals as a couple. When disagreeing about money, it is a good idea to pull out your shared goals for retirement, a vacation, kids’ college or your emergency fund. Together, you can determine what actions will best help you reach your bigger shared financial goals. Taking the time to re-connect to the commonalities you share will be a big help.

Let Each Person Control Some Money

You should each have control over some of the money. This should be available for you to use how you want. With separate spending abilities, it makes it possible for you buy what you want — even if your partner doesn’t agree. Make it a rule that each spouse will respect what is done with the discretionary spending each has.

In some cases, the best idea is to have separate accounts if you have a hard time agreeing on what to do with money. Make sure that each of you contributes to a central pot for household expenses, and then you can each have separate checking accounts. However, even in such a setup, it is important to touch base and make sure you are still working toward shared money goals.

Be Willing to Compromise

Finally, you have to be willing to compromise. Any relationship has some give and take, and you and your partner need to be ready to give up a little something. With some thought and planning, it is possible to disagree about money without causing serious problems.

What do you expect of the morale in the workplace under this environment?

The morale in the workplace definitely sinks. The employees are unhappy and they do their best to sabotage the company.

The management has to cope with high turnover. The recruitment cost increases, and the profitability decreases.

The best company does not need so many policies to police the employees. The best company provide a trusting environment for the employees to work, and the management supports and grooms the employees instead of finding reasons to fire them.

The morale in the workplace is at all time high.

That is why high morale is a reflection of good management. The employees will reward company by going the extra mile.

Low morale is the concrete proof of bad management style. The management sees employees as problems instead of resources.

About me:

Scheng1 is a passionate blogger from Singapore.

Rich in every sense reveals my deep desire in enjoying life, and be rich in every possible ways. Personal Finance

is about money, from making money to investing money

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Friday, February 11, 2011

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It seems that Charlie Sheen's wild lifestyle has finally caught up with.

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The future, even the present, of small business is wired and mobile. Online digital technology has transformed not just marketing but networking and just about.

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While we all gather around the breakroom tables at work (if you still have your job) and eat our lunch there seems to be one topic that comes up more often than not, the economy. The main subjects seem to be high gas prices, ever increasing grocery prices and the rate of home foreclosures. What we are not talking about is the impact this is having on our most innocent victims of this crisis- the children.

The economy and in particular the home mortgage meltdown resulting in record numbers of home foreclosures will not just have an impact on the stock market and the economy, it will also have an impact on the lives of nearly 2million children across the country in 2008-2009. This number includes families being evicted from rental units that are going into default and those children whose parents default on conventional loans.

Many of these children will experience feelings of fear, anxiety and stress. Schools are likely to see an increase in behavior problems as well as decreased academic performance due to many of these children being unable to articulate the stress they are under or the unwillingness to express these feelings openly because of a feeling of shame or embarrassment. The National Association for the Education of Homeless Children and Youth has estimated that in Tennessee alone 46,218 homes will go into foreclosure in 2008-2009, of that it is projected 42.9% will be households with children. So as we talk about the stress of the current economy, let us not forget about the most vulnerable victims-the children!!

Tuesday, February 8, 2011

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Tuesday, January 25, 2011

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Monday, January 24, 2011

Making Money Ideas

So Christmas has been and gone. Are you now facing the New Year and wondering how you can keep up the Christmas spirit and goodwill for the coming year? Well, it certainly helps when you know how to do so for free from your own home.

There are so many simple ways to volunteer or donate to charity by giving up a small amount of your time or re-purposing some money you would normally have spent. So here’s a list of five of the best quick and easy ways to volunteer or donate to charity. Bookmark the list of charities and use it to do the rounds weekly!

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Skip1.org

This is a great concept — it’s a site which makes you think about how much money you waste on frivolous things. You nominate something which you will give up, say a lunch or newspapers for a month. Then you donate that same amount of money to feeding a hungry child.

Yes, you’re handing over money to charity, but it’s money you would have spent anyway. It’s also easy to share news of your donation with your friends via social networks, and hopefully convince a few of them to skip something for charity too.

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Free Rice

Free Rice has been around a while, but it’s so good it’s worth making sure it’s on this list. Play a simple, addictive trivia quiz and Free Rice will donate rice for each of your correct answers. This is a free and simple way to give whenever you have a free moment. Read more on FreeRice here.

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Causes

There are a number of things you can do using Causes, including raising awareness for your chosen charity and helping to raise funds for them. By far the easiest way to donate money with Causes is to set up a birthday or holiday fund. This way, instead of receiving presents from friends and family, you simply ask them to donate the money on your behalf. It takes about two minutes to set up, since you can log in with Facebook Connect – just choose the charity and you’re set!

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Charity Gifts

Here’s another easy way to spend your money on charity instead of something you were already going to pay for. Instead of giving gifts to your friends, give them the knowledge that you have donated to charity on their behalf. The Donation4Charity website searches all the big charity gifting sites (such as UNICEF, WWF and Oxfam) and lets you search the gifts according to how much money you have available to spend. Buy a goat for charity for about the same price as a modest gift!

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Sparked

Spend 5-10 minutes donating your expertise to charity: Give website feedback, brainstorm fundraising ideas or help design an awareness campaign. This is what they need help with – if you can spend a few minutes working on it then you’ve made a difference to a real charity with just a moment of your time. Read more on Sparked here & get going!

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And many, many more!

There are so many great ways to donate your time to charity — the sites listed above are just a few. Here’s some more great articles which introduce many more you might like to try.

Introducing Jumo – The Social Network for Social Good
How To Easily Coordinate Volunteers Using Volunteer Spot
5 Crowd Funding Websites To Support Your Favourite Charities, Bands & Projects
Find Volunteering Opportunities Near You with VolunteerMatch
10 Search Engines To Help The Environment
5 Cool Edutainment Games You Can Play and Also Donate To Charitable Causes
5 Websites To Lend A Hand & Make A Difference To The World

What are your favourite sites for donating your time to charity? Do you appreciate charity gifts given on your behalf? Let us know in the comments!

First of all, you can always go out to dinner, send flowers and the like, but I am talking about some different ideas that maybe you haven’t thought of to create a spark of romance between you and that special person in your life.

If you have some cash, you can plan a romantic getaway for the weekend, maybe to a resort or even somewhere warm. Or if that is too pricey, you could take your significant other out for a romantic dinner (McDonalds doesn’t count!). Try to do something that you do not normally do. If you live in a warmer climate you can rent a boat and plan a romantic dinner on the boat or take a dinner cruse or even picnic on the beach. But if you live in a colder climate, why not plan a picnic in your car (with lots of warm blankets) down at the beach. How about going as a couple to a book store and purchasing a book on romance or you might want to go and rent some movies and make a big bowl of popcorn (feeding each other of course) and stay in for the evening. If you are lucky enough to live in a wine region like I do, you can plan a romantic getaway and visit wineries and do some wine tasting of your own (and get a tour of the winery while you are at it.) Perhaps you can go for a balloon ride or enquire about a half an hour airplane ride for two. How about signing up for a class together in something that you are both interested in? If you haven’t had time to purchase something special for each other, you can do that on Valentine’s Day. What about giving back to the community together. Spend some time at a soup kitchen or do something else worthwhile and do it together. Or you could go to a specialty coffee hangout, get something tasty that you can share, sit, hold hands and talk. Even if you have little or no money, all it takes is a little creativity. You could go to the library on a date or go for a walk and split a sundae. There are plenty of ideas!

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