Healthy Marriage

As everyone says, marriage isn’t easy. It takes a lot of time, patience and compromise. The times you are tested the most are during hard times like an illness, death, money issues, family problems, etc. Below are some key tips for those rough times that will get you through it. They are some helpful hints to a healthy marriage.

Date Nights

Most people will tell you it is important to keep things fun and fresh in your marriage. Planning regular date nights is great for your marriage. This is particularly true if you have kids. It is important to set aside time with just the two of you without any distractions (aka kids!). It is a simple reminder of your relationship and what the two of you have together. A date night can be a nice dinner or something as simple as going to the park for a picnic. Nothing fancy is required, the only requirements is the two of you and time.

Come up with a financial plan

One of the most common reasons of marriage distress is finances. Money problems can definitely cause marriage problems and they should be addressed from the beginning. Even prior to marriage they should be discussed. Things such as saving money, what you spend your money on, what you want for your children financially, etc. are all important things to agree upon as a couple. Come up with a financial plan between the two of you that you can compromise on so that there aren’t any disagreements about it in the future.

Figure out family rules

Another common issue amongst marriages are family rules. Family rules or family norms, just like finances, should be discussed and agreed upon early in a marriage. What you may think is normal or what you think is going to happen with your family is kids may differ from your spouse. It is important that the two of you are on the same level with all of this. You also need to be on the same level with your spouse about your children and how you will raise them, discipline them, and what you expect of them.

Be Flexible

Compromise, Compromise, Compromise. That is what marriage is all about. A healthy marriage can’t be one sided, both have to give and take equally to make it work. Communication is one of the most important factors in a marriage so it is important to express yourself to your spouse and let them know what you are thinking. Pick your battles, some things may be worth it while others are not. If gambling bothers the heck out of you but your husband wants to play Golden Mane Slot Review, let him do it. There is no harm in a hobby! There may be a hobby (like shopping) that he doesn’t enjoy so it is all about compromise. However, on the other hand, you may want to pick a fight if their hobby affects the well being and safety of your family.

These key items can help you lead a healthy marriage and happy family life. Make sure to take a look into your relationship today to make sure you are doing your best.

Different Loan Options and Their Requirements

There are many reasons that people apply for a loan. You may need a loan to buy a home or car, to cover tuition or medical expenses, or simply to pay off an outstanding debt. Whatever your reason, there are a wide range of loans available and understanding the differences and requirements for approval will save you time and energy.

Mortgage

A mortgage falls into a closed loan. This type comes generally from a bank, a sub lender, or through the government in the form of an FHA or VA loan. Mortgages offered through a traditional bank have higher standards and requirements that you must meet in order to get an approval. They require a credit score on the high end of the 600s but mostly prefer people with a credit score that exceeds 700.  If you go through a sub lender or the government, you can qualify for a home loan with a score of 580 or more.

Home equity loan

A home equity loan is a loan available to homeowners who have equity in their home. There are two types, a straight home equity loan and a home equity line of credit. A bank issues the money from a home equity loan in a lump sum with a repayment of monthly fixed rate payments. A home equity line of credit is a revolving line of credit with a variable interest rate that you can use and then borrow again once you pay some of the balance off. If you should decide to sell your home while you have the loan, you will need to pay it off prior to your closing.

Personal loans

A personal loan issued through a traditional bank requires a source of collateral, generally a home and an excellent credit score. If you don’t own a home or have a fair or poor credit score, there are various types of other personal loans offered through online lenders where the line of credit loan requirements that are less stringent. They generally require only that you have a steady paycheck, a checking account in your name, and a social security card.

Car loans

It used to be that you could only get a car loan if you had a good credit score. Today, that’s changed. More banks realize that many people have a mark or two against them for reasons that were out of their control. You will pay a higher interest rate than if you had good credit, but if you pay the loan on time for a year or so, you can refinance it through another bank at a much lower interest rate.

Consolidated loans

A consolidated loan is for the purpose of paying off your outstanding debt and then consolidating it into one affordable payment. For many people who own a home, this provides an easy way to free up hundreds of dollars from their budget each month. There are several different types of consolidation loans available, including secured, unsecured, and a student debt consolidation loan. The secured requires the use of collateral, generally a home. Whereas, the unsecured loan bases it on several other factors including your credit score and income and, because there’s no collateral, has a higher interest rate.

Short-term loans

Most times, a short term loan is very easy to acquire. The requirements are much more lenient than that of a traditional bank. A short term loan can range from several months to several years. The downside to acquiring one of these versus a personal loan from a bank is that the interest rates are generally much higher. These type loans offer someone with mediocre to poor credit the chances to pay off debt, cover repairs and other expenses.

Before borrowing any money from a bank or another lender, make sure that you carefully calculate your budget to make sure that you have the money coming in each month to accommodate another bill. If you don’t, then taking on more debt is only going to make your situation worse.

Can Medical Cannabis Users Become Dependent?

More states are legalizing recreational and medical marijuana, which is making the topic of dependency come up in more conversations about pot. Critics want to know if we’re heading in the wrong direction, making it easier for people to get a substance they will get hooked on. Some even hold a hard stance that marijuana is addictive and that we’re bound for more troubles when it comes to drug addiction.

If recent elections offer any indication of where the country is going, it’s safe to say that it’ll get easier to obtain marijuana in coming years. Will drug addiction skyrocket because of it, or even drug usage? Probably not in both cases, say the experts.

Is Marijuana Addictive?

Before we talk about dependent medical cannabis users or even dependent recreational cannabis users, we need to discuss whether or not marijuana is even addictive. Since cannabis’ withdrawal symptoms are slight compared to other drugs, some people have the false notion that it’s not addictive at all. Individuals who quit other drugs typically have strong cravings, irritability signs and even negative physiological symptoms. While this isn’t usually a factor when someone quits marijuana, it can still be addictive for some people.

What is Addiction?

Addiction is typically referred to as a behavior that’s compulsive and without control, either partially or completely. When one is addicted to something, there can be a physical dependency or a psychological one. Generally, addictions come with an experience of physiological or mental withdrawal symptoms if the action is stopped. A person can be addicted to marijuana, a harsh drug or even something like gambling, which in and of itself isn’t dangerous.

There are many people who take prescription pain medications regularly but aren’t addicted, as there are individuals who smoke marijuana regularly who aren’t addicted. Someone who has a recommendation for medical cannabis should use the medicine responsibly and under the care of a doctor. If you have been recommended to have medical cannabis, Green Door West can provide you with marijuana delivery in West Los Angeles and throughout the LA area. Our cannabis delivery business serves many people who find the relief they need from medical marijuana.

Making Money to Change Lives

Improving the lives of the less fortunate should be a goal that everyone aspires to. But when time is short and funds are low, what can you do to lift others up without overwhelming yourself? Believe it or not, there’s a long list of easy-to-do ideas that can help you rack up much-needed organizational and supply funds for your favorite charities without making big financial mistakes. When the call for aid sounds, try answering with one of these simple solutions.

Raid Your Own Closet

From direct donations to a community clothes closet to local consignment stores to online clothes-selling sites, the pants, tops, and dresses you no longer wear could be a potential goldmine for a needy charity. To ensure the smoothest experience and the most money, make sure any clothes due to be donated or sold are washed well, don’t have any strong or unpleasant odors, and aren’t broken (articles with missing buttons, zippers and so on aren’t likely to be accepted).

For services like mail-in envelopes for online clothes sites, make sure you’re sending in a decent amount of clothing to get the best return on your work. Some people designate one or two days every year to gather up and send in their unwanted duds.

Not sure how to separate must-haves from the must-go pieces? On January 1st or any other day of the year, turn all of your closet’s hanger hooks the “wrong” way, with the hooked end facing you. As you wear and wash each item, hang it back up the “right” way. That way, you can look in your closet the following year and know that all the “wrong” hangers hold clothes that just don’t spark interest anymore.

Sell Other Items for Charity

With the rise of easy apps like the Facebook Marketplace Community, it only takes a few minutes and a cellphone with a camera to sell just about anything for cash. From leftover bags of mulch to an unused bicycle, with a little effort, anything can become a new source of income for your favorite cause.

Gather up several items at once and list them at the same time to increase your chances of one buyer snapping up multiple items, allowing you to make money with ease. Use clear photo shots (exhale just before hitting the shutter button to reduce blurriness) against a white background whenever possible.

If you prefer to use a more well-known platform for a large charity, the eBay Giving Works platform allows you to designate a percentage or whole of your item’s sale price to a registered charity of your choice. If you don’t have anything to sell personally, consider patronizing the charity directly by buying tickets to their events, bidding on silent auction items they may be selling, or purchasing necessary household items through a percentage-donation platform like Amazon Smiles.

Do a Shopping Assessment

Many companies have started noticing that people vote more with their dollars than ever before. Large chains like Target have started partnering with local charities and schools to donate a portion of sales proceeds in a given period of time. Even warehouse stores like Sam’s Club have followed suit, allowing customers to buy the items they need while supporting the charities they believe in.

If you’d like to put your money where your heart is, ask your cause if they’re partnered with any local businesses or store chains. If the answer is no, suggest a few popular businesses that offer this service and cater to fellow charity-lovers; not only will you be supporting them with your own purchases, you might just be helping them add up a windfall!

Use Apps to Search

Certain apps also allow you to connect your shopping loyalty cards to charitable causes, monetize your internet searches for spare donations, and so much more. If you’re going to spend money anyway, why not make sure that every dollar does some much-needed good?

If you’ve done volunteering and still wish you could do more, these ideas are a great way to make a huge difference. The financial needs of a charity are significant and varied, and chipping in with efforts like these can help take the pressure off of their bills.

 

 

Exploring the Various Ways To Pay For Higher Education

There are millions and millions of students in the United States. These young individuals strive for betterment, while attempting to learn a trade that will give them the ability to earn an honest living. Others would love to be able to return to school, but they unfortunately do not have the capital needed. What people fail to realize is that there is an abundance of ways to pay for higher education. The student loan is a hotly contested subject, but it will still provide students with the funds needed to complete their schooling. Below, you’ll discover a few other options.

The Student Loan

Over the years, millions of Americans have enrolled in colleges and universities with the backing of a student loan. www.financialhotseat.com reports that the number has decreased slightly over the past few years, but it is still astronomical. Nonetheless, millions still depend on lending institutes to provide them with the money needed to succeed. As long as you have a good credit score and choose the right educational course, it will be possible to use the loan to your advantage and pay it back within a reasonable amount of time. Nonetheless, for many the student loan will feel like a hopeless endeavor.

Federal Aid

Alternatively, many American citizens have turned to the federal government for assistance. Young Americans far and wide have submitted the Free Application for Federal Student Aid, or FAFSA, with the hopes of getting the money needed to complete school. Although this is a suitable option for many Americans, it should be noted that there are some restrictions. Only those under a certain income threshold will qualify for federal assistance. And, the program only allots a certainly quantity to each student. Nonetheless, federal aid is an excellent option for those interested in attending a vocational school or community college.

Scholarships

In the past, college students depended heavily on scholarships to advance through an institute of higher education. This still remains true today as well. High school students may very well be able to acquire scholarships through various means. They can do so through local charities, nonprofit organization and even through sporting programs. The possibilities are enormous and every little bit helps. Most might not be able to obtain everything they need through scholarships, but it will give them a little lead way and help to pay for many expenses.

Do Not Ignore Tax Breaks

It should also be known that the United States government encourages all American citizens to get an education. In order to better accommodate these individuals, the government has made some college related expenses tax free. This will make it possible for taxpayers to alleviate their tax bills by keeping track of and submitting their education expenses to the IRS. Every little bit helps and the money saved can easily be put to good use.

Overall

At the end of the day, it is no secret that getting a higher education in the United States can be enormous expensive. However, this should not feel like a hopeless endeavor. There is assistance available and you should never feel obligated to take out a student loan. Be sure to explore your other options, before contacting a lending agency!