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How To Rebuilt Trust In A Marriage

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Apr 092023
 

If a marriage has problems, the chances are good that trust has been broken. And yet, trust is a central component for a successful marriage. So how do you restore broken trust? And how do you do it without spending months in marriage counseling?

Trust can be broken in so many ways. The most common culprits are an affair, hidden addictions, lying, and financial secrecy.

But if you look deep into the heart of a distrusting spouse, it goes beyond the usual trust busters. Trust is weakened in a relationship when a spouse is frequently late, unreliable, or insensitive. Hiding a few empty beer cans can damage trust between you. It doesn’t take much to shake trust.

But it sure takes a lot to rebuild it!

We live in a microwave world of fast food, express delivery, and speedy-print. And so we figure, if we lost trust in an instant, there must be a way to rebuild it in an instant too. NOT!

Trust is built one small step at a time. There’s no other way. There’s no Herculean event that can deliver instant-trust. In fact, by definition, trust is about CONSISTENCY. That’s what it means to trust someone…to be able to PREDICT their behavior. Predictability is a function of repetition. Repetition comes with TIME.

Think about it. When you trust someone, it means you can RELY on them. But before you can rely on someone, you must depend on them time and again and NOT be disappointed. If you’re disappointed, even once, the trust is broken.

I often compare the building of a relationship to the building of a house…both happen one brick at a time. And every brick is significant because it strengthens the foundation. The stronger the foundation, the more room you have for error. For example, how damaging is it to ruin one brick when you’re working on the 3rd floor of a house? It’s no big deal, right? You have a strong foundation, the house is in tact, you clean up the mess, and you build on.

It’s like that in a relationship. If you have a strong foundation, you can make a mistake without ruining everything. It’s no big deal. You can move on.

But trust is DIFFERENT. One mistake kills you. Because trust is about CONSISTENCY.

Building trust is NOT analogous to building a house; it’s more like climbing a ladder. You don’t have a foundation to support you. If you slip, you fall all the way to the bottom.

That’s how trust works. It’s unforgiving.

So if you’re trying to restore trust in your marriage, and you’re expected to meet your spouse for dinner before your marriage counseling appointment at 6:15PM, don’t arrive at 6:19PM. For you, 6:19PM might be a matter of 4 minutes and no big deal. But to your spouse it might be about reliability, and you may have just slipped all the way to the bottom. You just broke whatever pattern of consistency you built prior to arriving late. And now you have to start all over again.

How do you rebuild trust? You make and keep promises. Make and keep. Make and keep. Make and keep. Over and over again. AND DON’T MISS! Nothing destroys trust faster than making and BREAKING a promise.

To be consistent (to build trust), you need lots of opportunities to come-through. So create them for yourself.

“Honey, I’ll pick up some milk before I come home.” And then do it!

“I’ll meet you at our marriage counseling appointment at 9AM.” And then do it!

“I’ll read it by tomorrow.” And then do it!

“I’ll say it differently next time.” And then do it!

Look for opportunities to make and keep promises. That’s your opportunity to build trust. Like a ladder…climb one rung at a time. It takes time. There’s no short-cut. And you can’t slip. You have to stay focused.

And just to be clear, the little things count big. If trust is about consistency, then it doesn’t matter what you promise. Just promise and come through.

Don’t think that just because trust came crashing down in one dramatic event (an affair or whatever) that you have to reestablish it with one dramatic event too. You can rebuild trust by making and keeping SMALL promises over an extended period of time.
Would you like more counsel? Subscribe to my FREE marriage help email service. Over 75,000 each year subscribe to receive the free report “7 Secrets for Fixing Your Marriage.” This advice alone will begin to change your marriage. And you’ll also get 5 free marriage assessments and more information about Marriage Fitness with Mort Fertel. There are no strings attached. You can sign up for free by visiting www.MarriageMax.com.

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Disability Insurance

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Apr 082023
 

What is Disability Insurance?
“The Social Security and Supplemental Security Income disability programs are the largest of several Federal programs that provide assistance to people with disabilities. While these two programs are different in many ways, both are administered by the Social Security Administration and only individuals who have a disability and meet medical criteria may qualify for benefits under either program.”
– Social Security web site, June 2006

The Social Security office will want to check your medical history to be sure you qualify for disability benefits. The Social Security office is one way to get disability benefits, but in most cases these benefits will not be substantial enough for families.

Disability insurance can be obtained through any number of insurance companies. In the event that you are disabled, this insurance will serve as financial protection. You will receive a percentage of your gross income from your disability insurance policy, income that will ensure your own financial safety.

You do not have to go through the Social Security Office to take out a disability insurance policy, nor to receive the benefits from that policy. The Social Security disability program is not related to any disability insurance policy that you take out.

“Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.”
– About Disability Insurance web site, June 2006

Types of Disability Insurance
Most people are familiar with two types of disability insurance: short-term disability, and long-term disability. Short-term disability insurance is included as part of a benefits package with many different employers, and usually provides an income in the early part of disability. Short-term disability insurance generally provides coverage for a period of several weeks, and does not exceed a two-year term.

Long-term disability, however, can last for a period of several years. These types of policies may be included as a part of employment, in a benefits package, but many purchase these disability insurance policies individually.

As far as disability insurance goes, however, there are still more policies to learn about. One type of disability insurance is the Own-Occupation Disability Insurance. The definition of this policy reads:

“The inability to perform the material and substantial duties of your regular occupation, the insurance company will consider your occupation to be the occupation you are engaged in at the time you become disabled, they will pay the claim even if you are working in some other capacity.”

Another kind of disability insurance is the Income Replacement Insurance. This is a very popular type of disability insurance, and most insurance agents are familiar with this policy. The language of this type of disability insurance reads:

“Because of sickness or injury you are unable to perform the material and substantial duties of your occupation, and are not engaged in any other occupation.”

Common in employee benefits packages, Gainful Occupation Coverage is another popular form of disability insurance. The language here is worded very carefully:

“Because of sickness or injury you are unable to perform the material and substantial duties or your occupation, or any occupation for which you are deemed reasonably qualified by education, training, or experience.”

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Health Insurance Quotes

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Apr 072023
 

Getting Health Insurance Quotes By Phone
Though calling around for insurance quotes can be a very time-consuming task, it is a good way to get your questions answered about the policy by a professional. In many cases, calling an insurance company for a quote will lead to an automated session and then being placed on hold. This is the kind of frustration that you will face, over and over, when trying to receive any kind of insurance quote by phone.

It does take up a lot of time and you do have to keep notes about each quote you receive, but there are some good reasons for obtaining health insurance quotes by phone:

• You can talk to a professional in real time
Eventually, you will get through to an actual human being on the other end of the phone. This person can explain the policy to you in detail, answering any questions you may have as they come up.

• You can learn about different premiums and options on the same policy
When a certain health insurance policy interests you, you may be able to talk to someone about adjusting the premium and/or deductible on the policy, tailoring it to better suit your needs.

• You can purchase a policy right away
By using a check by phone or your credit card, you can purchase a policy based on the health insurance quotes you receive over the phone. This process is generally quick, including a brief question-and-answer session.

Getting Health Insurance Quotes Online
For those who prefer a quick and easy method of insurance shopping, the Internet is definitely your best option. Using the Internet, you can go to a specific company’s site and learn more about their policies by receiving free online health insurance quotes, or compare and contrast the policies offered by several companies at once.

The Internet allows you to receive many more health insurance quotes, in a much shorter period of time than you would be receiving quotes over the phone. There are many benefits to shopping for health insurance quotes online:

• You can get many health insurance quotes, quick
When time is a factor, the Internet is your best friend. You can look at several different health insurance quotes at the same time online, much more quickly than it takes to get through most phone automated systems.

• You can compare lots of health insurance quotes at once
Side-by-side or page-by-page, with the Internet you can compare health insurance quotes from several different health insurance companies at once. This makes comparison shopping a breeze.

• Ease of purchase
You can often purchase a health insurance policy online, using a secured method and your credit card. This allows you to get your health insurance policy quickly, so that coverage can start right away.

An Independent Agent
When doing your own research, finding different quotes, calling around or even using the Internet to shop just isn’t your thing, you’ll want to use an independent insurance agent. These agents do not work for any specific company but for you. They use their time to shop around for you, finding you the best possible policy based upon the health insurance quotes they receive.

Often, independent agents can get much better rates than the average customer. This is because insurance company offer agents deals and discounts simply for brining in new business. An independent agent will work for you to find the best health insurance quotes, so that you pay less while still receiving the best coverage possible for you and your family.

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Clean your piano keys

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Apr 062023
 

I am sure that many of you would be passionate about music and might be having some of the music instrument to enjoy this pleasant joy given to us. There are different sort of music instruments that people usually owe such as guitar, trumpet, drum, woodwinds, strings or piano. Out of these pianos is the one that is not easy to play and also to maintain in comparison to the other ones mentioned.


So if you have a badly stained piano and you want to care for it then it doesn’t require any professional cleaner or polisher but all you need is a regular soft buff with a lint free cloth. Any sprays or harsh chemicals will damage the surface of the delicate keys and shall also make the instrument look older and worn than what actually it is.


For cleaning the ivory keys you should not:


1. Immerse in water


2. Scrub with a brush or even a scouring pad


3. Use any type of chemicals or even washing up liquid can damage the previous surface


4. Spray with furniture polish


5. Use air-freshener anywhere near the keys or piano


Ivory should be gently wiped with a soft clean cloth and for stubborn marks or fingerprints you should first wash your hands and thereafter you can use a mild non-colored toothpaste on a damp cloth but ensure that you gently rub and never scrub. Rinse with fresh milk with another lint free cloth and buff well.


You should leave the piano open on sunny days so that the keys stay bleached and don’t turn yellow. Keys that are badly discolored or stained should be scraped and recovered by any professional piano cleaner.


For cleaning plastic keys you should not:


1. Use chemicals


2. Leave the piano open for long period of time as this shall cause discoloration of the keys


3. Use furniture polish as this could be very harsh


Dust regularly and wipe occasionally with a soft solution of warm water and vinegar on clean chamois leather. Then buff well for added shine. If you want to clean the casework that usually gets very dusty you can use a vacuum cleaner attachment to get rid of any cobwebs or dust. It can take some time but it will surely be worth and remember not to use any water or liquid to clean the casework. For stains and marks you can consult a professional piano cleaner or tuner.


For more information, log on to music-future.com

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Mobile phone screensavers

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Apr 052023
 

There is a hike in the number of mobile phone users over the years and million of people are already using a technology that could be considered for getting out of infancy. However because of the insane level of acceptance of cell phone it is quite natural that other markets that could be considered as mobile phone accessories have grown up to get the advantage of the people’s craze for mobile phones.


Therefore, market is flooded with phone related accessories, products and utilities and this could be linked with the fact that people along with using the cell phones love to watch it too. This attraction for looking cell phones has given birth to the increased popularity of mobile phone screensavers.


Mobile phone screensavers are same as any other desktop picture or screensaver that gets activated when the phone is left inactive for a preset period of time. This time is usually set by the user. New cell phones are coming up in the market with built-in screensavers and they are increasingly popular at the same time. These cell phone manufacturers either put one screensaver in the phone model or more so that the user can get a choice.


This popularity of mobile phone screensavers has also been pushed up by the internet where people can get a lot more choice from the different available screensavers. Internet also offers mobile phone users various options in terms of the kind of screensavers that they want to have. These screensavers can be downloaded from the internet for free and some requires a minimum charge to be paid.


Before downloading any screensaver from any of the websites that provide mobile phone accessories the first thing one should consider is to identify the size of his cell phone screen and the phone compatibility so as to avoid any phone crashes or problems.


For more information, visit t-mobile-ringtone.info

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Get Rich Quick Scams Revealed

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Apr 042023
 

Get Rich Quick Scams Revealed


Read this article before you consider paying for a “get rich quick” program.





From: www.jobinfosys.com


Date: July 17th, 2006





Everybody would love to make lots of money quickly, working from home, and only doing a few hours of work per week. I’ve spent the past two years trying to find a great way of doing this. Only over the course of the past few months have I found any “get rich quick” programs worth buying. I’ve been trying to make money online for a long time. I had a few small websites, but they never made much more than a few hundred per month. It was easy money and didn’t require much work on my part, but I knew there were people out there doing better than I was and I knew I could do as well as them.





Now, I’ve seen a lot of “get rich quick” programs. Most of these people make claims about earning $2000/day with Google or something similarly insane. Almost all of these people are complete liars. Even if they were making $2000/day with Google AdSense, it’d be because they had high- traffic websites with a lot of quality content. I’d know, because in one whole month, I never even made half of what they promised I’d make daily with their programs. Maybe you’ve already been scammed by one of these fraudsters. Anyway, I finally got sick of what was being offered.





I decided I’d look through the all of the “get rich quick” programs I could find and see if there were any that were actually legitimate. I found that there were owners selling their programs for well over $100, but the information in them could be found almost anywhere online for free. Additionally, they all contained out-of-date information, had no e-mail support, no money back guarantees, and broken links in the downloads section.





In conclusion, almost all of the programs I found were completely useless. The owners knew it, but they couldn’t care less about their customers since they didn’t offer refund policies! Amazingly, while looking through all of the programs, I actually did find a few legitimate programs. They were run by ordinary people like you and me, and they had found some great methods of making money from their home by doing very little work.





I spent some time working with those programs, and my income is now ten times what it used to be. These programs provided a large amount of great information on how to make extra money on your computer doing very little work. Numerous customers had provided great feedback and reviews for their products. Many of them have started to make money just days after buying!





Their programs have excellent prices, and the authors have a group of paid staff who are dedicating to helping you or providing assistance if you need any. I must say I was amazed! If you do decide to purchase any of the programs listed below, I recommend you join quickly. Most of the owners tell me they are getting an overwhelming number of sales and plan on raising prices in the near future, so order while prices are still low!





To Your Online Success,


www.jobinfosys.com

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Building The Dream Home (Living Southern Style Magazine Winter 2006)

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Apr 032023
 

Building your Dream Home?

Maybe it’s a Low-country beauty overlooking a sun-kissed green or a contemporary A-frame along the fairway. Whatever and wherever your imagination goes, the dream homes provided by Golf Magazine, The Progressive Farmer and HGTV demonstrate the latest trends in laying a solid foundation for your dream home.

When plans go from daydream to drafting board to job site, it’s important to involve skilled professionals who share your vision and enthusiasm. Choosing a qualified architect to map out your dream home is a necessity. In the case of Golf Magazine’s Dream Home at Reynolds Plantation on Georgia’s Lake Oconee. Cincinnati architect Don Beck created plans for a lavish 4,500-square foot home with four master bedrooms and a locker room. Getting a feeling for how willing the architect is to work within your design requests is also essential. Emphasizing country living at its best, The Progressive Farmer dream house is designed for people with a penchant for rural life.

Building your dream home might mean incorporating your plans into a themed community – design restrictions and architectural standards. Builders of The Progressive Farmer dream house at McLendon Hills, a lake and equestrian community near Pinehurst, N.C., incorporate cottage influences into the design. HGTV’s dream home at Cumberland Harbour in St. Mary’s, Georgia has both coastal and Victorian elements.

Many of the nation’s top builders and suppliers contributed to the materials and amenities of each dream home – products you’ll want to consider using once two-by-fours start going up. Golf Magazine’s dream home features paint provided by Ace Hardware, broadband phone service by AT&T, and state-of-the-art appliances and consumer electronics by Best Buy. Your builder should be able to recommend materials that are both energy-efficient and consistent with your home’s design theme. Altogether – from breaking ground to laying a welcome mat – you can expect the construction of your dream home to take a year to a year and a half.

Sometimes you need to see it to believe it. To stir would-be dream homebuilder’s imaginations, each of the 2004 dream homes spent several months open to the public.

In addition to being featured in its November 2004 issue, Golf Magazine’s dream house at Reynolds Plantation was open to the public. According to Bill Houghton, Vice President of Marketing for Reynold’s Plantation, approximately 17,000 people toured the home in six months. The Progressive Farmer Idea House and Farmstead was open for tours this summer and was featured in the August 2005 issue. HGTV’s dream home tours at Cumberland Harbour debuted in May 2007 with a Winner’s Weekend that awarded one of approximately 35 million contestants the dream house itself, worth $1.2 million. Also a giveaway event, the HGTV 2006 dream house is under construction at Grey Rock at Lake Lure, NC.

At 4,500 square feet, Golf Magazine’s dream house features a spacious, “‘Hunt Club’ interior with leather as a fabric of choice, lending a ‘sense of sophistication'”, according to interior designer Jan Vorderburg. Four master bedrooms with accompanying bathrooms guarantee a luxurious stay even guests will enjoy. Golf Magazine publisher Chris Whitman said, “The Golf Magazine dream house has exceeded expectations on every level…truly a dream come true for golfers.”

Recalling America’s rural past, The Progressive Farmer 3,500 square-foot dream home at McLendon Hills is “designed for people who choose the country as their place to live…with stalls and a tack room, the tiered garden, the pond and pastures. It literally sets the standard for country living,” says Jack Odle, Editor in Chief of The Progressive Farmer.

The warm breezes of coastal Georgia influenced the building of HGTV’s Cumberland Harbour dream home. The 3,000 square-foot, fully furnished home includes Victorian influences that harkens to a by gone era. A 230-foot, screened-in boat dock allows bug-free access to local waterways. “We want every Dream Home to have its own identity,” said Atlanta consultant Jack Thomasson, who contributed to the 2004 HGTV home.

Capitalizing on its 2004 dream home success at Cumberland Harbour, Land Resource Companies (LRC) was again honored to play host to HGTV’s dream house giveaway. Currently under construction at Grey Rock resort in western, North Carolina – a mountain living community also forged by LRC – the 2006 HGTV dream home promises the same high quality and attention to detail as its coastal counterpart. “I am very pleased that we had the opportunity to offer another community that is on the level of Cumberland Harbour”, said Bob Ward, President and CEO of Land Resource Companies, with respect to the 2006 dream home site.

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What are the main types of mortgages that are available?

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Apr 022023
 


These days there are hundreds of different types of mortgages: fixed, variable, capped, discount, base rate tracker, offset, repayment only, interest only, and these can also include a variety of options such as the ability to take payment holidays, or avoiding redemption penalties, the list goes on. Choosing the best mortgage for a person’s particular circumstances can be difficult, and it is essential to know what the various terms mean prior to making any final decisions on which mortgage provider to go with.


A fixed rate mortgage has a rate of interest which is charged at a set pre-determined rate for a specified period of time. This means that while the fixed rate period remains in effect, even if the banks general base rate were to significantly change, the interest rate charged on the mortgage will remain unaffected.


Variable rate mortgages have an interest rate which can be altered by the lender at any time, usually in line with the banks general rate. This means monthly payments can fluctuate, making repayments drop during periods of reducing rates, but payments may increase if rates start to rise.


Capped rate is a type of variable mortgage with an introductory period where the upper level to which the interest rate can increase is restricted. This means that the rate can decrease below this level, but not exceed it.


Discount rate mortgages are a type of variable rate mortgage where there is an introductory period during which an agreed reduction in the usual variable rate is provided.


Base rate trackers are a type of mortgage which have a variable rate, but follows the Bank of England’s Base Rate plus an additional percentage agreed with the lender at the start of the mortgage period.


Offset, also called Flexible or Lifestyle Mortgages, mean that the amount borrowed is linked to a borrowers savings. This is useful because interest rates on borrowings are usually higher than those on savings. By combining both the mortgage and savings into one account through an offset mortgage, the lender will reduce the balance of the mortgage on which interest is charged, by the equivalent of the savings being held. The total amount on which high interest charges are payable is thereby reduced although you do not receive any interest on the balance of savings.


The most common form of mortgage for potential house buyers looking to purchase their home is a conventional capital repayment mortgage. With this type of mortgage the monthly repayment amount includes interest charged on the amount borrowed, along with a portion of the capital sum borrowed. Providing the correct monthly repayments are made on their due dates, then at the end the life of the mortgage agreement, this mortgage will guarantee to repay the total mortgage debt, and the borrower will fully own the property.


Often used for property speculation, interest only mortgages have become increasingly popular in recent years. These require the borrower to repay the interest due on the loan amount, without adding on the repayments to cover the additional capital sum. The borrower may then be required to makes their own arrangements for the repayment of the capital lent through the realization of separate assets or possibly the sale of the mortgaged property, prior to the final completion of the mortgage term.


Payment holidays allow the usually strict mortgage repayment schedules to be more flexible, enabling payments to be occasionally missed without penalty when budgets become tight.


Redemption penalties are an important consideration if there is a chance of the mortgage being paid off prior to the end of the term. Many mortgages will have early repayment penalties levied if the full term is not reached, especially with fixed, capped or discounted products.


To find out more information, most of the major online mortgage providers such as Barclays provide useful sources of information to help buyers make their choice over what is best for their circumstances. Mortgage comparison websites like Moneynet can often also provide impartial free information as well as essential price comparisons. It must be noted that before making any financial decisions you are strongly advised to seek out professional qualified advice from an independent financial adviser to ensure you are legally protected.


Disclaimer:
All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986. Your home may be at risk if you do not keep up with the repayments. You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.

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