Should You Give Online Dating a Go? 6 Reasons Why You Should

Have you ever thought about online dating? Finding a companion online is kind of strange to the over 50 generations. But read on and see if it may just work for you.

If you've wondered if online dating is for you and also haven't had the nerve to try it out, possibly it's time to give it a go and see what it's about.

I'm Not Ready to Begin Dating

Starting your dating journey is the challenging part, and there is never ever likely to be a suitable time, so as opposed to waiting for the very best time, just jump in and do it.

If you do not think you can find a relationship, that's fine, just have a chat with some people online as well as strike up a friendship and also learn more about some people. You simply need to have confidence, and the rest will come.

First-date nerves are perfectly normal, but if you think you need that extra boost of confidence, perhaps try some products like those from True Pheromones. They could be just the thing to give you the helping hand you need, raising your confidence and helping you give off exactly the impression you are hoping for.

The internet dating world has different types of people, whether young, old, outgoing, shy, or anything in between. Online dating could be for you if you are searching for an exciting way to meet new people from all walks of life.

Online dating is a terrific way to get out without needing to trawl neighborhood bars or singles joints. Instead, you can be in the comfort of your very own home and have the ability to take a look at some fantastic dating choices all at the touch of a button. 

Seems a lot more civil than needing to get dolled up for the night and wandering packed bars searching for Mr or Miss Right!

I know you have asked yourself, 'Should I try online dating?' but you have always come up with reasons that prevented you from trying it out. Perhaps you need to invent some new reasons.

I Can't Be Safe

The reasonable solution to this problem is that it is, in fact, much safer than meeting a person in a bar. Let's be straight if you make an effort to get to know somebody online, you are going to get even more insight into their tastes, likes, dislikes, and likewise.

You will get a feel for their character without the disruption of songs, alcohol, and the cacophony of the bar scene. Additionally, the bonus of online dating is that you can just give away personal details when you feel comfortable with them.

I Already Know a Lot of People

While you might know many people, will it lead you into a relationship? Meeting the right individual for your love match at work, gym, or in your individual life can be a problem. Online dating considerably increases your possibility of finding "the one."

I Don't Have Time to Date Today

Don't give me that old excuse. You may be too uncomfortable to go to bars and restaurants to find love, yet you do have time to go online and have a look at some possible great dating choices. Whether you are on the train to work, reading your messages during your lunch break, or you are having a few glasses of wine while watching TV, there is always enough time for online dating.

I'm Not Ready to Begin Dating

Starting your date is the challenging part, and there is never ever likely to be a suitable time, so as opposed to waiting for the very best time, just jump in and do it.

If you do not think you find a relationship, that's fine, just have a chat with some people online, strike up a friendship, and learn more about some people. You simply need to have confidence, and the rest will come.

It's Too Costly

There are lots of online dating sites that supply complimentary online dating weekend promotions or trial offers so you can obtain a feel for the app or site, so get on while there is a deal, and also you can check out the website and see if it is a good fit for you.

You can spend only a few bucks a month and again meet the man or lady of your desires. So instead of getting a coffee each day, why not consider enrolling in something that might change the direction of your life.

It's Just For Nuts and Weirdos

There are a variety of people almost everywhere you look. If you try to use this excuse, you will undoubtedly need to find something else. Online dating permits you to learn more about somebody before you even meet face to face.

You have the choice of reporting the specific problem to the website or app should you really feel the individual is expressing inappropriate behavior. Preferably, with online dating, you must feel more secure than you would in a bar or conference with a person on the street.

Individuals all over the globe use online dating to try and discover their Mr or Miss Right as it is a safe way to find interested and single prospective partners that could be a great match. If you want to find the love of your life, why not experience online dating to get a feel for this fantastic dating alternative. Rather than find why you shouldn't try online dating, why not discover why you should never know? You could meet 'The One".

5 Problems With Mixing Business and Friendship

Image via WikipediaIn our lives we find so many ways to mess up with our money. With mistakes in judgment we are able to lose large amounts of money and with the money sometimes we can lose our friends. The way we lose both is when we go into financial relationships with friends or relatives. It may be a spur of the moment idea or a well thought out plan. Either way things can go wrong and they usually do. I have listed 5 ways they usually go very wrong.

Co-Signing for a loan.
The reasons for co-signing a loan for a friend or relative are many. It all starts when out of the blue you are asked to take part on a loan because the person can not be approved for the loan on their own. So you are asked to co-sign to help out the person. All kinds of promises are made about how it will be no problem for the friend to pay the loan back. They make plenty of money, but their credit is bad, so a little help is needed. You feel a little pressured because if you don't help your friend, they will not be able to get the loan.

For the friend, the deal is a no-brainer. It's all good because they will be able to get the loan and whatever they need to purchase. For the co-signer it may not be so good because they are on the hook for the full loan amount if the friend doesn't pay. If the friend doesn't pay, you can be sued for the loan balance and your credit will be effected greatly. Remember, the loan company did not give credit to the friend, because according to a credit report the friend does not have the ability to pay the loan back. Sure there are instances when all will go well and the loan will be paid back on time. But the loan may not be paid back sometimes, too.

What is your relationship to your friend worth? Will it end if the other party bails on the loan and you're stuck paying it back. No relationship can survive such a terrible blow. The best thing to do is say no to the loan. Your friend may be mad at you for a while, but the friendship will stay intact.

Renting to a Friend.
The scenario is you own a rental unit. The tenant is moving out. Your friend or relative needs a place to stay. Do you rent to them? Is it a good idea?

If you weren't renting to a friend and you just had a regular tenant you would make sure the potential tenant has a job, an ability to pay, you would have a proper lease and deposits. It would be all very business like. The tenant would know what's expected and the landlord would know what's expected. But what if you rent to a friend or relative? Would the same business like relationship occur. Renting is a business and has to be run like a business. The friend has to know they will be treated just like anyone else.

The problem with renting to friends is they sometimes think they can take a little advantage because of the friendship. They may be late on the rent or not pay a proper security deposit. They may not keep the place up as well as other tenants do. The possibility of misunderstanding is increased because of the blur of the friend/landlord line.

It is possible to have a good experience when you rent to a friend but the odds are, something will go wrong and you could suffer a falling out. Why take the risk?

Selling a used car to a friend.
This is an example of a disaster waiting to happen. You have a used car that you want to sell because you want to buy a new one. A friend or relative is need of a car. It's a perfect match. It's good for the seller because you are going to quickly sell the car. For the friend they have a car they know something about and may have already driven in the past. It's good for both parties, or is it?

Soon after the car is sold the transmission or brakes go out. What do you do now? If you sold it to a stranger you may get away with not paying for requested repairs. But with the friend, you are obligated out of friendship to make things right. If you don't the friendship could be destroyed.

What's the odds of a used car breaking down? I think the odds are pretty high something will break. Why take the chance of damaging a friendship. Sell the car to someone you don't know. If you do sell to a friend then be ready to make things right, just in case. The friendship is worth more than the cost of car repairs.

Going into business with a friend.
You and your best buddy have a incredible business idea. You decide to form a business. Good idea or bad? In a partnership, many expectations are formed by both parties. Also many questions need to be answered like who does what? Where does the money come from to operate? Who holds the check book?

This relationship is the hardest of all the examples listed. When things are going well in the business nobody complains. Difficulties arise when thing don't go so well. They may occur when one partner loses interest or thinks they are doing all the work. There are many ways for one or both partners to become disgruntled. This can ruin a business and destroy a friendship.

Sometimes partnerships work if all specifics are spelled out. But it can be almost impossible to keep each party happy. In this case everyone loses.

If you must be in business with a friend it's best to lay out all the details of the business and as much of the contingencies as possible. Having a 50/50 partnership doesn't have to be the way to proceed. It's better to make the stronger business person owner of the company and make the other person on a profit sharing plan or other agreed upon compensation plan. This way both parties are able to walk away from the company if they want. It's better this way because a friendship is worth more than any business.

Buying a vacation home together.
It usually starts with a couple of old friends going on vacation and discovering a great vacation home. Separately they can't afford the purchase but together they can. They purchase the home by either getting a mortgage together or using cash. Just like the business example, they are legally locked in together. It's like a marriage. And like a marriage it sometimes ends up in divorce. Suppose one of the friends doesn't use the home as much as the other or doesn't help in the maintenance or expense. These and many other reasons cause problems where one party wants out. It's difficult to divide the house in two and separate.

An alternative would be for one party to buy the house, if they can afford it. Then with the other party figure out some type of compensation for using the home. The stronger party with interest in the home should be the one to own the home. So when either party loses interest or the friendship breaks up no harm is done. The one that owns the house can sell and the other with no legal links to the home can just walk away.

With any joint venture all details must be worked out between the two parties. It's always better to make one partner the legal owner of the items in question and the other having a favorable compensation plan. Plan your business and plan to keep your relationships strong.

5 Rules When Loaning Money To A Friend

Image via WikipediaBorrowing money from a friend is the fastest way to ruin a relationship. The borrower usually has tried every other source for credit. Their credit cards are maxed out. The house is mortgaged fully and lines of credit are closed. The party may have lost their job or an emergency has happened. By the time they get to you the situation is desperate.

In this time of recession who doesn't know someone or a family who is having very hard times. They were unprepared and life hit them broadside. You want to help because your friend is in need. But should you? Will they be able to pay you back. 

They probably will, but be prepared to lose the money. Through their own fault or fate they are showing their lack of financial knowledge. The mistakes they made could possibly be made again with your money. If you must make a personal loan why not take a few precautions and do it right.

1. Consider alternatives

Borrowers who fail to repay bank loans may face legal problems, but those who can’t make good on loans to friends or family can be hit not only with legal trouble but also the loss of a personal relationship. That’s why it’s a good idea to think about all your options before approaching someone you’re close to for a loan. Consider trying more than one bank, for example, or exploring borrowing possibilities at credit unions or other sources. It may also be possible to cut back on your spending instead of taking a loan or to postpone your plans for a big purchase until you have saved the money you need.

2. Get it in writing

One of the potential pitfalls of a loan between friends or family is their informality. A handshake is a popular way to cement a deal, but a written document is a better idea for both sides. That’s because problems can arise when the friend lending the money expects it to be returned within a short time, while the borrower believes he or she can pay it back over an indefinite period. When lending money to a loved one, it’s often hard to insist on knowing when the loan will be paid or to ask for regular payments. 

To protect your relationship and your wallet, it’s best to put it in writing. Write down the amount of the loan, when and how it will be paid off and if the borrower will pay any interest. This kind of promissory note clarifies the borrower’s responsibilities and can help prevent misunderstandings later. The note should be signed by both borrower and lender, and each one should keep a copy.

3. Be realistic

While written documentation is a great idea, remember that it will not prevent potential payment problems. That’s why it’s important for both people to be realistic before they enter into the deal. If you know that a loved one likely won’t be able to repay you, for example, offer instead to help him or her solve problems by developing a monthly budget or working out a payment plan with creditors. 

If you are uncertain you will be able to repay a loan, consider asking loved ones to brainstorm other borrowing options. Doing so may preserve your relationship so that it is still in force long after any money problems are over.

4. Give honest updates

If you borrow money from a friend or family member and find that you are unable to repay it as expected, let them know about the problem right away. Explain what went wrong and when you do think you’ll be able to make good. It may be a difficult conversation, but your candor and consideration for the other person will go a long way in helping to preserve the relationship.

5. Give the money as a gift.

Personal loan are notorious for not being repaided. If you have the means, offer them the money as a gift. If not the full amount, a percentage of the amount needed. Doing this heads off a possible confrontation or uncomfortable situation that could come down the line. It's better to keep the friend and lose the money instead of the reverse.

Financial Infidelity | 3 Steps to Help You Come Clean

Image via Wikipedia

When one spouse keeps secrets from the other the stress and tension can eat a marriage up. You know something is wrong, but can't put your finger on it. Communication is down and a marriage could hang in the balance.

The secrets don't have to be earth shattering like drug or drinking problems. But according to statistics almost one-third of Americans lie to their spouses about money. Whether it's secret bank accounts, mounting debt, or falling earnings, there’s something shameful that’s being hidden.

It's not uncommon that there's secret stashes, there’s debt, there are even addictions or mistresses. And we’re afraid and don’t want conflict, and so we rationalize that for the peace of the relationship, we should say nothing.

It may be easier to not come clean with your spouse in the short term because you may feel you can work it out on your own. In some instances, it will work out and you will have avoided a close shave. But usually it doesn't work out that way, the problem becomes overwhelming and blows up in your face. You will have destroyed mutual trust and surely destroyed the relationship forever.

Why not come clean now before the lies go critical and wipe out your family. Here are a few ways to start the conversation going.

Find the right time.

You should find the right time when things are quiet and you have time to discuss it. In a humble way you have to state the problem completely and ask for forgiveness. Then be ready for feelings of betrayal and hurt to show. Getting through those feelings will be hard, but you must be patient and let them work their way out. Showing regret and a repentant attitude will help.

Show your credit record.

Showing black and white evidence of the extent of your misbehavior will only help the healing process. Seeing your credit report shows your need to be honest. Doing this now will only head off future problems. Imagine if you were able to keep things a secret and you spouse found out later when you were applying for a loan and a stranger revealed this to them.

Focus on the positives.

Exposing a lie that's yours is an embarrassing gut wrenching experience. Sure it's hard for a while but think of the future benefits of being honest. Even the deceiver will feel a ton of pressure relieved when the lie comes out. When both of you are involved and on the same page with money your relationship will flourish.

Reader: Have you ever kept a financial secret from your spouse?

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