Finance For Youth

Rants by Samantha Carter

Fitness Quote: Good is not enough

Fitness Quote

Financial Cheating: How to Know When your Partner is Cheating on you Financially

Whenever there is an agreement between two people to come together to live as husband and wife or as girlfriend and boyfriend, the next thing that is presumed is that they have pledged truthfulness in all things. This is regardless of whether the union has been legitimized and witnessed by any group. It is a sort of obligation binding on the fact that you people are now together. This is because of the fact that the true meaning of the marriage involves the consent of the man and woman, and not the aspect of the crowd that witnesses the act.

This is what gives infidelity the meaning that it carries, because there is presumed obligation of truthfulness and sincerity. Any act of untruthfulness and insincerity among the two becomes infidelity. This is the reason why the act of infidelity is divided into different forms. We have the physical, emotional, cyber and financial infidelity. In the recent past, the level of infidelity that is witnessed through dating websites for cheating might not have qualified to be called proper cheating. But the development that we have witnessed in the past both emotionally and technologically makes this one of it. Before we look at what financial infidelity is, we have to look at the forms of infidelity, so as to understand what we mean.

Different Types of Cheating

Physical infidelity involves the act of engaging in any form of sexual intercourse on the physical level with another person that is not your significant other. This will involve kissing, smooching, caressing, and eventually having any form of sexual intercourse. We also have the emotional cheating which is described as having any intimacy and emotional attachment with another person apart from you main partner. Here, we are made to understand that whenever you get into a relationship, all intimacy and emotions must be shared with your partner alone. There is a greater part of you that needs to be reserved for him or her. Whenever you get engaged in another person emotionally that you go ahead to spend more time with them more than you do with your partner or that you share information you are supposed to share with your partner alone with them, then you are engaging in emotional cheating. The problem with this type of cheating is that a greater part of you gets involved with the person because it is your mind that you give them. It might start as a non physical thing, but might latter develop into full time physical cheating that will be very difficult to break due to the intimacy and emotion involved. The next is the internet cheating that involves getting involved with a person that is not your partner in the internet, and exchanging some level of sexual fantasies online with him or her. This might even lead to masturbation and physical sexual intercourse etc.

What is Financial Cheating?

Financial infidelity involves telling lies about money. Many people start from hiding little sums of money from the budget that is made for the family. It might include the inflation of prices of things to be purchased. It involves telling lies about your income, expenditure, debts and others. Hidings of minor and major purchases or bills that the partner is supposed to know about, amounts to some form of financial cheating. This normally starts from these small things and letter it gets to the extent that one of the partners might even start operating a separate bank account and even own properties that the other partner is not aware of. Financial cheating is also involved in some way when you engage in other forms of cheating, including the use of dating websites for cheating. This is because of the fact that all forms of cheating are facilitated by the use of funds, and these funds obviously go against what your spouse approved. While many will make use of the money without the knowledge, consent and approval of their spouses, others will lie that the money is used for another thing, and all these amounts to some form of cheating.

financial infidelity

Financial infidelity can ruin your relationship

The Situation in Africa

As much as we see financial cheating as being a very bad thing in every union, it is also good for us to point out some exceptions. One of this is the case of what is found in Africa. In most of the countries in Africa, it became a norm at some point that men who are in very good jobs and those who do good business and therefore have money to dole out to their wives for the upkeep of the family received graces from these wives. Again in most of the cases, these graces come in families where the women in question have good jobs and their husbands do not have. What they do is that the ladies set up bank accounts and save a lot of money in it. Some of them do this for the purpose of buying a house or a landed property with the money. They normally present these properties to the husband at some point in their marriage. Others save this money only to give it to their husband whenever the husband is having a financial problem or when the family experiences bad times in their finances. At some time, it used to be a yardstick for measuring enterprising and virtuous wives, and their husbands accepted this in good faith and with a lot of joy. But one thing is very obvious here. This money is saved not for any other purpose other than for the good of the family. This is not financial cheating in any way.

Negative Effects of Financial Cheating

financial cheating

Financial cheating in a relationship

Financial cheating or infidelity has a lot of negative consequences on any relationship. The number one thing is that it places a very big cloud against the trust you have enjoyed. You will never trust your partner on or with any other thing including his or her sex life, because you will unconsciously start having the notion that since he or she is not to be trusted with money, then other things will be the same.The next thing is that when you catch your partner in other forms of infidelity, you are very free to call it quits. But the financial aspect will not give you the courage to go, and what this will do is to keep you in a relationship you are not comfortable with, which is even more punishment than quitting.

Causes of Financial Cheating

A look at what causes this is the fact that there is always a natural tendency for man to crave for financial independence. this is one thing that makes a lot of people especially the youths break out from their family and get involved in jobs and other things so as to make money that they will spend the way they want it. So when they get into relationships and you tell them to give this up again, it becomes very difficult. So, whenever you get into a relationship, the first thing you need to look out for is whether your partner is always telling other people lies about his or her financial dealings. If yes, then he or she has a tendency to cheat you financially. It will also be good for you to discuss with your partner about the level of control the relationship will have on your finances. This should be done on time so that the case of financial infidelity is avoided.

money and relationship

Money and relationship

The Financial Quote Of The Month – Donald Trump

Donald Trump Quote

Donald Trump

Few Tips To Finding True Love Online

Are you the type of girl who cries at chick flicks? Then you are like me. You still believe that love really does exist, and that it is destined in fate. The internet has made many believe that there is no such thing as the one person for you. Seemingly less up to fate, and more about exposure, many have given up the notion that there is only one true person in the world for everyone. I am on the opposite of that opinion. I think that the internet only further proves the point that fate is what brings two people together. With so many people in the world to choose, how can it not be fate that two people hop on the same website to find one another.

happy young couple

There are some do and don’t to finding someone to love

If you want to find your true love there are a few tips that you can learn here and you have to bear in mind. When you are using the internet to find love, there are things that you can do to increase the likelihood that if there is one soul mate out there looking for you, they can find you. It isn’t about luck, it is about searching and not settling. What it is also about is using these few tips.

Be true to yourself and to others

When you are on a dating site they are going to ask you to make a profile about yourself. What most of us do is to create a profile that paints us as the biggest dream possible. The problem with that is you aren’t being honest to the other person, or to yourself. How can you possibly find the person who is going to love you not in spite of your bad habits, but because of them. If you don’t ever tell people what you are really like then you aren’t going to find the person who is supposed to be at your side. When you are making your profile you don’t have to tell them all your faults, just don’t make yourself sound any better than you are. Being honest means that you tell things about yourself that you may, or may not like. The profile is the place that you put it all out there. It isn’t designed to find a million people to love, just one. The one you are destined for.

love and dieices

Dating sites can be tricky

Find the right site

If you are a senior you are probably not going to find much success on a hookup site, or if you are looking for a sexual fling, you aren’t going to want to try a site that caters to Christian people. The type of site that you choose is going to make all the difference in the world to the amount of success you have finding the person you are looking for. It isn’t that you can’t try other sites, in fact there are times when doing things that aren’t characteristic of you can be helpful, but clearly going on a site that has no one that you would be interested in, or vice versa, is not going to be anything but a waste of time.

Find a site with video conferencing

One of the few tips that I can lend to you is to fuse a site that has video conferencing. That may not seem like a big deal until you meet up with someone and realize that the picture they had as their profile picture was taken 10 years ago. When you are able to talk to someone face to face before investing the time and money on going out on a date, you will be much happier. There is a saying that goes “you have to kiss a lot of frogs before you find your prince” and although it is probably true, the less frogs you can kiss the better.

love on electricity

The internet has much to offer

Stay off of free sites

The best of the few tips that I can give to you is to steer clear of free sites. When you are on free sites you have to ask yourself how they support running the site. The answer is that they can’t without either selling your email address, or doing something that is probably not going to be good for you in the end. You get what you pay for is true, and if you pay nothing then you are probably going to get kind. A free site may seem like a no-brainer, but in my experience they are filled with fake profiles, scams and other unwanted things like an inbox full of solicitations or other money make tactics.

Be safe

Sure, we all want to find love, but you just never know who is on the other end of a key board. Another reason for video conferencing is to always be safe. Always keep that in mind when meeting a stranger.

How To Choose The Best Small Tablet For Your Personal Use

Tablets now are a thing of today’s decade. For whatever reason you want to have it, owning one is now becoming a necessity for most people. We’ve seen the market grow from the birth of the very popular iPad and iPad 2, to the creation of the Android platform. Now, almost both the mobile and the computer industry are racing for the sales of tablets. With over literally dozens to choose from, which tablet should you use? Here are ways on how to choose the best small tablet for your personal use:

Consider Your Budget and Price Range

The first and most obvious thing to consider when choosing the best tablet for you is the price range. Can you shell out cash for high-end tablet computers or is your budget just enough for low to mid-range tablets? It is very important to determine your budget because it readily dictates everything you’re looking for in a tablet. Higher budgets obviously lead to higher specs and qualities of tablets. But it doesn’t readily translate to higher quality of tablets. Nevertheless, tablets can be variable depending on the price range, and you should consider the budget first.



Choosing the Right Platform and Operating System

The tablet experience all boils down to three Operating Systems that powers most of today’s most popular tablets, namely: iOS, Android and the Windows Mobile. Coming from different company giants, these OS’s have different advantages and disadvantages for the consumer. If you want a very easy-to-use tablet then you’re better off with the iOS. If you want the ability to tweak your tablet to your liking, then Android-powered tablets are for you. Android enables you to utilize the full power of a gadget without compromising the hardware itself. If you are a Windows aficionado and want a full-integration from you tablet to your computer, then you should use Windows Mobile. This is basically personal preference, but it pays to consider which best suits your lifestyle.

iPad Mini with Retina Display review:

iPad Mini with Retina Display review:

Considering the Hardware Features of the Tablet

Once you have a clear view of your budget and desired OS, the last thing to look at are the hardware specs of the tablet itself. With the budget you have and the right OS, choose the best hardware specifications possible. Is it the fastest RAM available? Does the quality of the screen fit your preference? Does it have expandable memory? Tablets differ from one another due to their hardware features. Apple’s iPads have faster hardware specs, but they are exclusively for iOS users only.

One must have a clear understanding of these factors before embarking on a search of the best small tablet for your personal use. Since these gadgets cost a lot, it’ll pay to be mindful of how you’ll go about choosing the right tablet for you.

Few Things To Remember While Playing Wingman For Your Friends

They say marriages are made in heaven. Then relationships might also be the fruit of destiny, isn’t it? As a wingman a person does the warm job of helping in getting two people into a relationship or dating. But being a wingman can be very tricky because you could be the cause of making or breaking the connection between the girl and boy. In case anything goes wrong then you would be caught up in the mess and you might be blamed for introducing your undeserving friend to the other person of opposite sex. Here are a few essential tips to play a great wingman.

Advise your friend against an incompatible match

Being a wingman is a responsible task and it’s your duty to make best possible efforts to bring the two people close while helping in breaking the ice. But sometimes in a bar it may happen that your friend chooses a target match who might be way better than your friend. The target person might be more attractive, sophisticated and haughty. So try to make your friend understand in a polite manner that your success as wingman would be doubtful. You should make sure not to hurt the self esteem of anyone.

Six Golden Rules to be the Perfect Wingman

Six Golden Rules to be the Perfect Wingman

Don’t charm your friend’s target unknowingly

When you approach the target for your friend then your decorum is very important. The target will form an image of your friend by the company he keeps i.e. you. You should be prepared for scrutiny. Be warm in your approach but you must make sure that you don’t wink, smile naughtily or drop a hint unknowingly. Being faithful to your friend is the essential trait of a good wingman. Even if your friend’s proposal gets rejected and the target shows interest in you, then better avoid it. That’s the moral duty of a true wingman to be trustworthy.

Create natural looking situations for interaction

If the things will be too much made up then they will look crafty. To avoid that, a creative and sensible wingman should create comfortable and easy situations for his friend and the potential partner to meet. It could be done by carefully approaching the target and checking if she isn’t surrounded by her parents or boyfriend. Then you could introduce yourself and invite her to chat up in your lounge area in the bar while introducing your friend to her.

Top 10: Wingman Approach Techniques

Top 10: Wingman Approach Techniques

If she is in a circle in which a few girls are giving attention to you, then you can use that to your friend’s advantage. You can bring along your friend and start conversation with other girls while casually introducing your friend to the target. This may lighten up the situation. Tactics and presence of mind are the qualities that as a wingman you should use.


As a wingman your responsibility is both for your friend as well the potential partner for your friend whom you approach. Your skills, nature, behavior, kindness etc are very essential to break the ice between two people who are strangers to one another. Therefore saying the right thing in the correct situation to the correct person is extremely essential.

Healthy Eating Habits You Should Teach Your Kids

Healthy eating habits are about everybody’s priority today. It is even most important if it involves your kids whose health is your primary responsibility. One of the easiest ways to achieve this is by ensuring that your kids know what they can eat and what they cannot at least for health reasons.

So what is a habit?

A habit is simply an established custom. It is a behavior that is ingrained in your life and may be out of experience or influence or from systematic learning. Note that a habit can either be desirable in this case be a positive habit or it may be undesirable in which case it is a negative habit. Practically most of what you do has come about as a habit. Generally everybody wants to hold on to positive habits and kick out negative ones in areas of life. One of the ways to accomplish this is by establishing the positive habit in your kids.

How can you help encourage healthy eating habits for your kids?

How can you help encourage healthy eating habits for your kids?

Why teach them these habits?

Children are the very good learners. You would be surprised what a kid can do after a very short demonstration. In much the same manner you can also teach then what is good habit especially when it comes to things like dieting, hygiene and communication. The benefit is once they pick the habit while young they will never let go of it. What counts is if you teach them a good habit.

Teaching kids healthy eating habits

Now that you know that kids are the best learners perhaps you should consider teaching them the following healthy dieting habits:

  • Make a routine for eating snacks so that the kids do not over eat and encounter weight problems later. Once you have a defined procedure on what snacks to eat and when and you demonstrate by following the same routine you are likely to produce a healthy eating habit in your kids as far as snacks are concerned.

How to Teach Children to Eat Healthy

How to Teach Children to Eat Healthy

  • You may also need to slow down your kids when they are eating. With such a practice the kid is able to determine if they are full and if there is a need for a second serving. Eating at a slow pace helps the brain to adjust and register to the child whether they are full or still hungry after the first serving.

  • What is good and how much it costs is a good way to let your children know what they like and how much it costs. You can involve your kids in cooking and shopping for the food so that they also learn what is healthy and how it can be cooked.

  • You can also strictly define and guard the meal times and discourage other habits like eating while watching television which can subconsciously lead to over indulgence.

However, you must note that most of the habits that your kids pick up and especially what relates to their eating is directly picked from how they see you do it. Hence it is wise that you also practice these healthy eating habits

Fixed Vs Adjustable Mortgage – How To Choose Which Is Right For You

Emergencies are inevitable, and there will be times when you need to mortgage your house. For whatever reason, it is almost always important to know what kind of mortgage you are going to have. Doing mortgage without prior knowledge can cost you a lot of money, and it is essential to have thorough understanding on what kind of mortgage is suited for you and your situation. Not one mortgage type is applicable to everybody, so it’s best to consider your options first to save more time and money. Let us define fixed and adjustable mortgage, and see how to choose which is right for you.

What Fixed-Rate Mortgage Is?

Basically, fixed mortgages or fixed-rate mortgages is a kind of a fully amortizing mortgage loan where rate of the interest is fixed throughout the duration of the mortgage loan. What happens then is that the amount of payment and the duration of the loan is the same, regardless of whatever the trend of the interest rates. It is the one of the first types of loan created in the United States. Most of the time, banks offer around 16-year and 30-year mortgages, depending upon application. Recently however, there are now 40-year and 50-year mortgages.

Comparing Fixed Rate and Adjustable Rate Reverse Mortgages

Comparing Fixed Rate and Adjustable Rate Reverse Mortgages

Defining What Adjustable-Rate Mortgage Is?

Often called variable-rate mortgage; adjustable mortgage differs from fixed mortgage in a sense that the interest rate of the mortgage is adjusted periodically. The adjustment is based on the lenders cost from an index calculated by the lender, plus margins and interest rate caps. Adjustable mortgages have initial interest rates, which remain unchanged usually spanning the first two or three years of the loan. In the UK and Canada, this kind of mortgage is very popular. If interest rates increase, the cost will be higher, and borrowers usually agree upon taking the interest rate risk.

ARM vs. fixed-rate mortgages: What’s right for you?

ARM vs. fixed-rate mortgages: What’s right for you?

Which One is the Right for You?

Choosing between fixed and adjustable-rate mortgage depends on the capacity of the person to pay. One of the benefits of fixed-rate mortgages is that borrowers are protected from sudden and unexpected increases in monthly mortgage payments once interest rates are unstably high. Adjustable-rate mortgage however, lies on the fact that once lower interest rates happen, borrowers can enjoy lower payments of loans. If low payments in the near term are what you are eyeing at, then adjustable-rate mortgages would be beneficial for you. If you find out that the interest rates are always steadily climbing, and you are on a tight budget every month, then fixed-mortgages.

Whatever your case is, be sure to research further on the trends of rising or falling interest rates. It would also be wise to consider the rate of how you can pay for your mortgages. Can you pay for a mortgage that can span 30 years? Or can you pay your mortgage loan within a year or so? Nevertheless, always be ready first before and chose wisely.

3 Tips To Perfecting Your Elevator Pitch

Elevator pitch is a 30-second to 2-minute speech that summarizes a propositional value: be it a person, product, organization, service or event. The primary purpose of an elevator pitch is to make your most relevant point across as fast as you can and make a lasting impression. Just like hitting on that pretty girl while amidst an elevator ride.

There is so much pressure in crafting the perfect elevator speech. After all, you only have two minutes max to make a statement. So how do you condense your entire professional and personal qualification in so little time? Before starting on an elevator pitch script writing rampage, read these 3 tips first– then decide:

7 Tips for Creating a Knockout Elevator Pitch

7 Tips for Creating a Knockout Elevator Pitch

The Meat of the Content

There are three important items that you should include in your introduction: your name, what you do and how you do it. Giving your first and last name signals a better impact to the listener. There are so many Janes and Joes out there, how do you expect your target audience to remember you if they do not have access to your full name? Next is disclosing the field of industry you are currently in, and how you are helping the said industry with your skills and expertise.

To keep the flow of the conversation in the same thread, end your introductory speech with an open-ended question. When your listener responds, you listen carefully. The background of your listener is your cue on the benefits you can get if ever you will include this person in your circle of professional contacts.

Have you had success with a unique elevator pitch?

Have you had success with a unique elevator pitch?

Stand Out For Real

Every second counts, so you really have to make a memorable impression. Be creative and unique in introducing what you are selling. You can make mention someone famous and make a comparison with yourself, or introduce your most favorite hobby and related it to your branding. Choose your words carefully. In return, ask your listener something personal so you can get a glimpse of what he/she does after work hours.

Conversation Must Be Light and Friendly

While it is handy to have a ready-made elevator speech in formal gathering, a carefully rehearsed elevator pitch is recipe for a disaster in spontaneous meetings. Adjust your speech to the circumstances presented and give out only information that seems relevant at the moment. Keep the tone of the conversation real, casual and fluid.

If your elevator pitch is successful, then the result will probably end in an exchange of business cards. Remember, you only have little time to be unforgettable, so you better make the most out of your chance. Also, make sure your business card represents you well. It must look slick, professional and attractive. When you have mastered all of these, think that no place is strange enough to close business at.