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Everything Newlyweds Should Know about Coupling Finances



Everything Newlyweds Should Know about Coupling Finances 1

Everything Newlyweds Should Know about Coupling Finances

Everything Newlyweds Should Know about Coupling Finances 2

Turns out that “coupling” doesn’t just mean “pairing” in the traditional sense, but is also a catchphrase when it comes to finances. As we head into wedding season, it’s especially relevant. Because as much as you may think no two people have ever been more in love than you are, the truth is that it could be less than smooth sailing ahead if you’re not on the same page when it comes to financial matters.

“Couples have a very hard time talking about money,” Joan Atwood, a Hofstra University professor of marriage and family therapy, bemoaned on an NPR “Money Coach” segment on the issue. “I would say it’s the last taboo.”

Ready to break the cycle? Read on.

• Set common goals. You have probably discussed this in a dreamy sort of way while dating, but turning those reveries into reality requires habitually saving to pay for them to finance your later retirement years. This is most likely one thing you may not have thought of at a time when the median ages, respectively, for brides and grooms are 29 and 31.

“While people may come into a marriage with their own assets, they need to take some time after the wedding to sit down and start getting organized as a couple,” advises Andrew Peterson, a vice president at Fidelity Investments.

• Be transparent. There’s nothing that says you have to put all your cash into a joint savings account – but at the very least you’d be “less than truthful” by not divulging any outstanding debts – and then figuring out, together, how to pay them down.

• Safely store your information. Quick: What’s your new spouse’s Social Security number? And what other vital information don’t you know if a sudden need arises?

To truly mark your financial coupling, you might consider using an online
service such as that lets you store, access and share all your new family’s important records and documents anywhere via a web browser or iOS app.

Not only is it free and simple to use with handy checklists, but even before it was officially introduced two years ago by Fidelity, Barron’s magazine gave the service five stars for being what it called “the first cloud-based safe deposit box we’ve seen that’s secure enough to organize everything from financial statements, insurance policies, and real estate records to a will, IRA benefits, and even passwords.”

“With all the other things on their to-do lists, newlyweds typically don’t focus on all the important financial and other documents they need to begin married life on a solid footing,” says Peterson. “This makes things easier for them from the start, as well as through the years as they have even more joint documents to retain – including those related to perhaps buying a house and having children.”

• Investigate this option. Do you both get health insurance through your employer? Congrats. You may have just saved yourselves some money because, if it works out it’s less expensive for one of you to be on the other’s plan rather than pay for both.

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1 Comment

1 Comment

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Successful Tips Business Owners Should Learn From Young Entreprenuer Johnmiracle Ejikeme




Successful Tips Business Owners Should Learn From Young Entreprenuer Johnmiracle Ejikeme

Johnmiracle Ejikeme

history goes back more than 5 months.

The founding father of Mitrobe and a Active promoter of Wadtech Enterprises, a fast growing business network in Nigeria which is base in Wilberforce Island of Niger Delta University.

Even though he is not so rich as people imagine him to be. it’s rumored that he still a University students of the above University mentioned.

Also that he still buys second-hand clothes which may be true as he grew up in impoverishment and loves to live a FRUGAL lifestyle

The young business owner have successfully created a way of making money from home and also as a student, by starting is own business ranging from blogging, e-commerce, rendering services, affiliate, and others too numerous to mention.

However, he’s developed a way to display and showcase products, render services that bring a better consumer experience.

Johnmiracle Ejikeme reportedly has a technique for selling their products, services, and goods in a way that offers the consumer a great experience,

and this is a method that other businesses should implement by incorporating this in their sales plans.

Business owners will increase their revenue and consumer Platform if they follow these tips.

The additional revenue generated is the result of a “side hustle with extra revenue generated” as it opens more opportunities for growth.

Wal-Mart and Target stores are examples of this strategy in the “side hustle” ROI for companies. In their grocery food markets they sell their own brand-named foods.

How Johnmiracle Ejikeme creates a unique consumer experience?

Diversifying is key for the future of any business.

Increasing a company’s profitability is part of any business’ future.

In other words, profitability is in diversifying the business

In the case of Johnmiracle Ejikeme , many people request for his services but online and offline.

At least 30% of consumers who go to Johnmiracle Ejikeme me are there to experience quality services as and we’ll integrity and that fits well with every successfull business.

When in need of services for Advertising, marketing, business coaching or basic eCommerce, taking idea from Johnmiracle Ejikeme is recommendable.

johnmiracle Ejikeme aims of giving customers best user experience has been the key to his secret success in business.

And it was confirmed by the positive reactions from 10,000 thousand people in countries worldwide, visiting his site Mitrobe for easy tips and guide.

In fact, this concept inspired the “pop up” bloggers in INDIA including USA, Pakistan, and Nigeria.

This trend in online and offline business strategy is unique and gives an ultra-consumer experience for anyone wanting to shop and seek quality articles all in the same place.

Initially, this type of business experience proved uneffective when it began, where the users of his website and online stores originally where not used to the system.

When you blend blogging, e-commerce and public services for your business, aiming at been more resourceful and productive to the public rather than income generation, you can achieve the johnmiracle Ejikeme experience.

Johnmiracle Ejikeme blogging business Mitrobe includes guides for it users to enjoy along with their shopping experience.

The menu includes quality articles on Business management, Finance, E-commerce, Leads and Sales generation, Innovation and creating a side hustle from home.

It also covers lifestyle, motivational tips, and as well as wealth creation for it users.

How Johnmiracle Ejikeme showcases his products?

Johnmiracle Ejikeme showcases his products in a strategic way.

The Johnmiracle Ejikeme firm pays close attention to controlling the prices and the details of his product and services.

This is how Johnmiracle Ejikeme showcases its products using their successfull business strategy outreach which is the key to the company’s success.

Johnmiracle Ejikeme store, has shopping carts for small items, and make it possessive for users to pay for good and services worldwide with ease.

That seems to be a great deal for customers satisfaction. In other words, customers have an easy “self-serve” place to shop.

The customers are directed to get the products on site and pay and also get additional free quality articles guide.

Johnmiracle Ejikeme Business success

Why Johnmiracle Ejikeme sometimes sells dreams and not products?

Selling a dream is basically selling the idea of how to market your products.

Once you do this, and follow through, everything else falls into place.

Therefore, it’s true to say that Johnmiracle Ejikeme does, sometimes, sell a dream.

Looking at it from another perspective, been able to teach people, guide newbies and giving them guarantees attention and reach, bonus and free offers, sometimes worth it.

Why Johnmiracle Ejikeme now expands and sales various items of different category.

It all goes down to business expansion, If you see a hot item, then the items around it are mainly for “looks.”

Therefore, the need to expand a business arises to try to meet the unlimited need of customers.

Just like the story of Amazon, which start in a garage before expanding as it grows.

The purpose is for you to be able to have products of various needs of your customers to be able to retain them.

Finally, when the founder began this company Mitrobe, he probably never thought it would grow and help so many businesses when they follow his lead.

We are dedicated to BIG TIPS to help you get things done more efficiently.

You will master how to do everything in a bigger way and live smarter.

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6 ways to develop the mind for success




6 ways to develop the mind for success

Many people dream of being successful, yet they never achieve it. At times we have all failed.

There are many reasons why you may feel like a failure or that you will never be a success.

These are some of the reasons you might recognize for your own failure.

1. Procrastination

It is normal to procrastinate a little, but often we put off doing difficult or unpleasant task that have to do and end up sabotaging ourselves.

Procrastination is the number one thing to fix. If you want to be successful your mindset will suffer,

when you procrastinate because you are not thinking about being productive or about moving towards your goals, in fact you are doing the opposite by avoiding that.

2. Be Willing to Change

There is nothing more threatening to a success mindset than not being able to change.

6 ways to develop the mind for success

If you cannot change you cannot be anything more than what you already are and therefore cannot be successful.

To be successful, you need to Act as if it were impossible to fail.

you have to be able to embrace change but you also have to be able to accept things as they come on your journey there will be change and there will be surprise or things you didn’t plan for.

To have a success mindset you need to cultivate your ability to adapt to change and to be more accepting which will help stop you being afraid of success.

3. See Failure as Success

The great Chinese general Sun Tsu wrote a book on war tactics.

While you may not be waging a battle, much of his advice can be applied to life situations.

One of his most powerful pieces was to see failure as a form of success.

When it comes to mindset for success, you are on a journey.

You may never achieve it but you are moving ever forwards on that journey by trying, and who knows, maybe success is just around the corner.

But what happens then? If you succeed you will have to pick a new journey or you will be stagnating which means failure.

It is possible for success to actually be failure!.

If you are not seeing success as something fluid rather than a defined endpoint then you will always be a failure.

Each success is really just a goal or stepping stone on the way to the next one.

Success is a journey or a path. Each time you go along that path you may fail.

If failure on that path is the worst thing that happens then it is not so bad.

If you fail you have succeeded in finding the wrong path.

You now know not to try that again because you will fail.

Think of a pathway with three possible directions.

If you have choosen one and found it to be a failure that only leaves 2 more.

You now have 50-50 chances of being successful if you pick the right one. It not gonna be easy, but you just have to Do the Hustle

By failure you have become more educated on your journey and more likely to succeed.

4. Set Better Goals

Success is something you want why?
Why do you want to be successful?

Many times our reasons why, the things that drives us, can make all the difference between actually achieving success or simply struggling towards it.

Procrastination is a sign that you have forgotten “why” behind whatever you are trying to achieve.

Here is a good analogy: you want to have clean clothes but you hate doing laundry.

You can choose to have someone else do it, or simply wear the dirty clothes, however, you have to pay the other person.

If success is clean clothes that don’t cost your money you may put It off because you hate doing laundry but eventually,

a decision will have to be made, by which time you now have to do three times the amount of laundry making the task even more unpleasant.

You have a job interview tomorrow and must have a clean shirt.

By procrastinating about your hatred for laundry you have made the problem worse and you are no closer to success.

You didn’t want the clean clothes enough but now because of the interview, you have no choice.

Your drive to have clean clothes has become important because you really want that job.

Your reason for doing laundry has become something more important, so you do it.

Harnessing that “why” that drive to do things because you need to has a lot to do with the mindset of success.

If you see your goals and success as necessary, even ones you don’t really want to do then you wont have much drive to do them.

tackle each situation by reminding yourself why you are doing it.

5. Embrace Positivity

You may have heard the power of positivity before, when we hear good things it makes us smile and it is part of our evolution that we are programmed to repeat good things and keep doing them.

If you burn your hand on the stove because it is hot you learn that touching a hot stove hurts and so you don’t do it again.

When you speak to or about yourself in a negative manner you should feel the same way yet most of us are guilty of taking to ourselves in a way we should be ashamed of.

A positive self talk is powerful tool for having a successful mindset.

When you use positive reinforcement your brain helps to give you a “can do” attitude.

When you are negative you are actively reinforcing negative ideas and thoughts.

In a way being negative actually helps convince your brain you’re going to fail by giving it the “proof” if needs through self sabotage.

Optimism has been shown in research results studies to actually help you live longer.

If you are optimistic it is likely you are happy.

Happy people tend to be clearer about their goals and look for the good in every situation, even when things go wrong.

How to Make Your Mind Positive

Being positive is actually something you can fake.

The more you choose to be positive, even if it feels fake, the more often your mind will start to naturally choose positivity.

By resolving to be a happier and more positive person who looks for the good you will always be able to see a different side.

This can really help your journey to success when it comes to those obstacles.

The difficulty happens when you reach one of them.

if you are struggling to see a positive side try motivating yourself with some inspirational quote or take a break and come back to it later.

Sometimes when you have focused on a problem for too long it makes it more difficult to see anything.

By reducing the amount of negativity you are likely to see a lot of personal growth and many positive changes in your life.

You may find you are meeting new people and making friends, or that new opportunities come around more often because people are more inclined towards you.

No ones likes a negative person so when given the choice of who they want to work with your positivity will give you an edge.

6. Be Grateful

A surprising trait of successful people is that they don’t tend to look back.

They rarely hold regrets over things that have not worked out in the past and are thankful for their present situation.

Gratitude is something many of us forget to practice without realizing just how much we have.

Part of being grateful is that it motivates you for the future, and motivation is definitely a trait we can recognize in successful people.

Start Valuing

Value or worth is something many of us are guilty of defining by money. But, a lot of money does not mean something has value.

Many new cars today cost a fortune but within a year that price has dropped significantly even if the car hasn’t gone anywhere.

On the other, hand, an old or vintage car that may be decades older in the same condition may cost more.

Both are cars and both have the same monetary value.

However, to the person whose father has recently died and who spent hours

restoring the vintage car that one has much greater value because of the memories associated with it.

When we value experience and learning higher than money we are more likely to be happy and successful.

The reason for this is that the drive for money can be lonely and shallow, meaning that it is much harder to stay on that path.

By valuing the human elements whenever we are working on a task we are much more likely to feel satisfied and complete when it is finished, even if the outcome isn’t what we planned.

In conclusion if you dream of being successful then you need the right mindset.

Success is not just straight pathway, there may be obstacles, failures and more along the path.

The key to a success mindset, however, is to see these as opportunities and to keep going.

You are only a failure if you don’t which means you have to continue somewhere even if it is not path you planned on.

A mindset of failure is often the thing that stops you from being successful which is why positivity is so important.

Only by being optimistic and stay true to your purpose can help you achieve the mindset that will bring you infinite success in life.

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Business ideas

How to write a resume in 2019 that will get you an instant job




How to write a resume in 2019 that will get you instant job

A resume provides a summary of your education, work history, credentials, and other accomplishments and skills.

There are also optional sections, including a resume objective and career summary statement.

Resumes are the most common document requested of applicants in job applications.

A resume should be as concise as possible. Typically, a resume is one page long, although sometimes it can be as long as two pages.

Here is how to write a resume that will land you a job instantly.

1. First, take notes on your work experience – both paid and unpaid, full time and part-time. Write down your responsibilities, job title and company information, including everything.

2. Take notes on your education. Includes degree or Certificates, major or course emphasis, school names, and courses relevant to career objectives.

3. Take notes on other accomplishments, includes membership in organizations, military services, and any other special accomplishments.

4. From the notes, choose which skills are transferable (similar skills) to the job you are applying for – these are the most important points for your resume.

5. Begin resume by writing your full name, address, telephone number, fax and email at hope to obtain.

6. Write an objective. The objective is a short sentence describing what type of work you hope to obtain.

7. Begin work experience with your most recent jobs include the company specifics and your responsibilities – focus on the skills you have identified as transferable.

8. Continue to list all of your work experience jobs by job progressing backward in time. Remember to focus on a transferable skill.

9. Summarize your education, including important facts (degree type, specific courses studied) that apply to the job you are applying for.

10. Include other relevant information such as languages spoken, computer programming knowledge, etc. under the heading Additional Skills.

11. Finish with the phrase: REFERENCES available upon request.

12. Your entire resume should ideally not be any longer than one page. If you have had several years of experiences specific to the job you are applying for, two pages are also acceptable.

13. Spacing: ADDRESS (center of the page in bold) OBJECTIVE double space EXPERIENCE double space EDUCATION double space ADDITIONAL SKILLS double space REFERENCE left-align everything except name/address.

Resume Tips

  • Use dynamic action verbs such as accomplished: collaborated, encouraged, established, facilitated, founded, managed, etc.
  • Do not use the subject T, use tenses in the past. Except for your present job. Example: Conducted routine inspections of on-site equipment.
  • How to write a resume in 2019 that will get you instant job


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