Financial Infidelity What Is It

Although many are not familiar with the term financial infidelity, it has increasingly become a problem in many households across America. So what exactly is financial infidelity? Financial Infidelity occurs when one person in a committed relationship spends or hides money without disclosing it to their partner.

Like sexual infidelity, financial infidelity can destroy one’s marriage. Money problems are known to be one of the leading contributors to divorce. Financial infidelity happens to be at the top of the list of money problems that lead to divorce. Shockingly, Jennifer Brand, a family law specialist in Philadelphia, stated -I see more cases of divorce caused by financial infidelity than I do from sexual infidelity.-

So how many people out there are actually lying to their spouses about money? The numbers are surprisingly high. In a recent survey conducted by Harris Interactive, the following results were revealed:

Approximately 1 out of 3 people admit to lying to their partners about finances
One in Four people state that their partners have withheld financial information
Three out of Four people surveyed stated that they fight at least occasionally about money
One in Four adults believe that financial infidelity is worse than sexual infidelity
96% of the group surveyed reported that it is both partners’ responsibility to be completely honest about financial issues.

The results indicate that financial infidelity is a serious problem. As one can imagine, any form of dishonesty in a relationship can lead to serious trust issues. Those trust issues can ultimately break down the emotional connection needed to make a relationship last. The reality is that the effects of financial infidelity on a relationship are no different and oftentimes worse than sexual infidelity. If you are having a problem with being completely honest around your finances with your partner or are having problems getting over financial infidelity in your relationship, you should consider working with a financial therapist.

Nikiya Spence is a licensed psychotherapist, certified money coach, and speaker. Nikiya specializes in helping individuals and couples transform their relationship with money. Visit her website at www.solutionsoflife.com or call 770-638-7145 for a free 30-minute no obligation consultation.

What is USDA Organic and Trade Certified Coffee New York

What is USDA Organic and Trade Certified Coffee

USDA Organic coffee does not include chemical materials that are artificial. This is because a few of those materials that reveal up in non-organic coffee include specific kinds of herbicides and chemicals.

USDA Organic Coffee

Approving coffee as natural needs the ranch the coffee was fed at is a completely natural ranch. Long before coffee can officially be identified natural, a USDA broker need to assess the site where the coffee was generated. There are nationwide specifications that the coffee has to satisfy prior to being taken into consideration natural. The nationwide specifications explain that the coffee ought to be expanded on a ranch that asks planters not to make use of chemicals on their plants within the last 3 years. Exemptions are frequently made to this criterion and there is no assurance that any type of coffee identified USDA Organic is entirely devoid of deposit from chemicals.

Kinds of natural fertilizer that are frequently used to increase coffee grains include general compost, chick manure, bocachi, and coffee pulps. If it is determined coffee grains were expanded utilizing phosphate or man-made nitrogen the USDA will rule out them to be natural.

After coffee grains have actually been selected, the Organic Meals Manufacturing Act oversees the production of the coffee and moderates the chemicals that can be used to create it. These policies are not always followed. The Organic Specification Board of the Usa has actually stated that identifying coffee as natural does not make it any type of healthier than coffee that is not taken into consideration natural. Trade Certified Coffee

Trade Certified Coffee is coffee that supports the suggestion of family members who run farms having much better lives. This is completed by charging customers fair prices for coffee. It likewise involves the advancement of farming communities and sustaining stewardships of an environmental nature. A balance of trade planter is one who functions directly with the companies that supply items to supermarket, restaurants and coffeehouse around the nation. These are frequently international customers that can aid planters obtain their coffee into shops all around the globe.

Because of the reality that planters increase grains to create trade certified coffee, they can better assist their family members and spend for the college education and learnings of their youngsters. They likewise aid to make international trades more popular and more successful for planters far and wide as well as protect the atmosphere by maintaining the globe’s resources and dramatically lowering ecological contamination.

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USDA Organic Coffee www.nevillescoffee.tumblr.com www.nevillescofee.com

Used Car Sales With Motor Finance Wizard – Car Sales

Used Car Sales With MFW

Motor Finance Wizard specializes in used car sales and is currently operating in Queensland, New South Wales and Victoria offering an extensive range of used cars to suit your needs. Not only does MFW focus on car sales, but they also specialise in providing motor vehicle finance solutions for people who may have found it difficult to obtain car financing. Motor Finance Wizard opened its first dealership in 2001 and has since sold and leased more than 19,000 vehicles to date, making us one of the nations largest used car dealerships in Australia. Motor Finance Wizard has used car dealerships and offer the best used car sales available in the Queensland, Victoria, and NSW area. MFW has thrived while other used car dealerships have struggled due in large part to their customer service and ability to get almost anyone in a used car of their choice. Their mission is to provide all Australians with the opportunity to own a motor vehicle, regardless of their financial situation.

Motor Vehicle Finance Through MFW

Motor Finance Wizard will assist those in need of used cars and have bad credit history in finding the vehicle they need. MFW operates used car dealerships that specialise in providing motor vehicle finance solutions on MFW used cars to customers who do not meet the strict lending criteria of mainstream lenders. This model allows customers to acquire car financing and a quality used cars from the same point of sale location.

Traditionally in Australia the sale of a motor vehicle has been a separate transaction to the car financing, involving two different parties; the car dealership and an independent finance company. MFW, through its in-house finance provider KWIK Finance, provides motor vehicle finance for customers exclusively to MFW used car dealerships for the full term of the Lease.

What is a High Yield Investment Program ( HYIP )

A high yield investment program (or HYIP) is one of the most interesting investments out there. However, like a number of investment opportunities, it has been the target of a number of scams.

The simple version is that it is an investment method that offers a high rate of returns with some risk. The investor can invest small amounts into a HYIP, which can, if it does well, yields a higher-than-normal rate of return, which you can then cash out or re-invest. While investing, you can discuss how the investments are doing and find out about scams on websites called monitors, which keep an eye on how HYIPs do.

The slightly more interesting version is that an investor sets up an account with an HYIP, and then invests a certain amount of money into the HYIP, which can be for either very small amounts or for large amounts, depending on how much you want to invest. You decide when to pull out, and then what to do with the funds.

However, be advised that it is an investment and carries with it all the risks of an investment. As such, there is the real possibility of losing the money that you invest, for all the usual reasons. Dont invest more than you can lose, and thoroughly check out the investment before giving the HYIP a single cent, just as you would any other potential investment. And be aware that, just like other investment, there are some HYIPs that are scams.

Using an HYIP as a scam is abetted by a number of factors. The first is the mystique of investing; too many people jump into investing without really bothering how it works, and hoping to get something big for something little. There is also that it relies on e-gold, which, although it has a number of advantages, but transfers cant be reversed; unlike a credit card, if a transaction goes wrong, you cant get the money back. The last is that it looks like just another HYIP, and can therefore fool most people into putting money into it, which then disappears.

Another part of the problem is that they can be easily be used for ponzi schemes, either fueling one or being the bottom layer of one. Just be watch out for very-well performing HYIP, including those with an outrageously high rate of returns, and trust the monitor sites.

Although it can be a great opportunity, you need to go into it with your eyes open. If you find a scam, then report it to the nearest Treasury office or monitor website. If you dont, then you may have just found the way to an early retirement.

Financial Advisors need to take their women client even more seriously

The society being a patriarchal or male dominating one, the women involvement in most of the matters especially finances is never considered to be significant enough. Instances are there when a couple approaches a financial advisor, the male partner seems to be enjoying all the attention and leading the discussion rather the female partner.

This precisely the reason a woman rarely is heard of trusting an advisor when it comes to planning the finances. The Attitude of an adviser

Most of the financial advisers do not even consider taking the opinion of a woman in the family even if he is approached by both the couples. According to him, she is still the same women who had little knowledge about the finance related issues.

The advisers still live in the old age era when women had no decision making power on financial issues.

They rarely encourage a woman client to express her opinion. They never seek for their availability to explain the financial planning of the entire family. When they present a plan to the client they don’t feel the necessity of including the woman of the family. Advisers find explaining two people about the same plan as wastage of time, giving preference to the male partner.

Even when they meet both the couples, the preference is always given to the opinion of the husband than the wife. As because she is silent on many occasions, it is taken for granted that she does not have much understanding of the issue.

The changing scenario

With more and more number of women obtaining higher degrees and getting involved with a professional life, they have an equal hold on the issues related to finances. She know well how much she earns, or the family earns, what are the expenditures and how much saving is needed for the future requirements. There are many who work in the Finance Departments and handle the affairs brilliantly. Today’s women whether she has a major in Mathematics or economics or not, has a fair knowledge of financial development happening in and around. She is completely aware of various Insurance Plans, the benefits, the premiums and the taxes which she or her family is supposed to pay.

Rosy Brown is Social Media Expert and a Technical Writer. She believes in sharing his experience and intellects through live discussion or/and write ups. In this article she has discussed about advisers, women, client, financial, planning.

How To Build A Career In Banking Through Sbi, Rbi And Bank Of India Recruitment 2013

For people who are willing to work hard and build a career based upon inter personal interests can feel elated with a better working environment that is being offered by the banking sector.

Through SBI Recruitment 2013, State Bank of India is searching for young and dynamic personalities for their clerical and officer as well as manager level operation. The bank today is more emphasizing on the individuals, who are willing to go that extra mile to achieve the desired goals of the bank. The bank is equally compensating and benefiting the professionals with incentives, rewards and remunerations. As per a recent study, there will be around two lakh job vacancies in banking sector, a major share of which may be attributed to SBI Recruitment options. There is a very high propensity of people opting for bank jobs and this trend has been positive owing to the sense of job security and benefits that a government job comes along.

A career with the RBI is more than just a job. RBI being the controller of financial and economic activities in India, a job with RBI comes with such responsibilities and repute, as well. RBI Recruitment 2013 clearly targeted towards selecting the best from the competent aspirants to work in a better profile of financial sector. It not only helps in fulfilling your satisfaction index for job, but also targets for a comprehensive development of social stature. It also helps in building your skill sets by dealing in departments of forex, government bonds, debt management, spearheading R&D for development within RBI, etc. Other rewards include establishing your self-esteem and enhancing the confidence level.

Careers in the banking sector have boomed, especially in the post liberalisation era. With the advent of commercial private sector banks, the banking system in India has witnessed a sea change in operation and market capitalization. Previously, bank recruitment saw people entering banks only at two levels, clerks or as the PO officers. However, in the new age of expanding economies revolving around the financial fulcrum of the banking sector, both public and private banking institutions offer versatile facilities for young professionals. Bank of India Recruitment 2013 have witnessed versatile change in its recruitment pattern. Now many positions for Agricultural officers, Rastrabhasa Adhikari, IT officers and Specialist Law officers are being notified by the bank for adequately qualified professionals. IBPS playing a major role in recruitment and selection of professionals in the respective disciplines of clerical jobs, officers positions as well as specialist officer posts at various levels of operation.

The opportunities of making a steady career out of bank jobs are numerous, provided you have the inclination and ability. All you need is a dedicated preparation and consistent endeavour to clarify the stringent selection measures and grab a prospective position for your own.

California Pair Allegedly Conned Elderly Woman in a Financial Elder Abuse Case

A California duo allegedly committed financial elder abuse by swindling an elderly mentally ill woman out of thousands of dollars. The defendants are a couple who reside in Riverside County. They allegedly befriended the elderly mentally ill woman and talked her into giving them money and goods. California elder abuse attorneys remind senior citizens that strangers who suddenly take an interest in your finances are not to be trusted.

The defendants in this case were arrested at their Lake Elsinore home. At the home, Ontario police found large quantities of furniture. The furniture was allegedly purchased with the senior citizens credit cards. Detectives claim that the couple convinced the senior citizen victim to open several credit card accounts, which were used to purchase the furniture. The furniture purchases added up to more than $36,000 dollars. California elder abuse attorneys say that families should keep an eye on senior family members to make sure they are not being conned.

In this case, the defendants allegedly also persuaded the senior citizen victim to withdraw $10,000 from her bank account. The elderly victim gave the money to the defendants and one of them allegedly spent the money at a Los Angeles area casino. The defendants were booked on suspicion of burglary, grand theft, financial elder abuse, and other felonies. Police are concerned that the defendants may have defrauded other elderly victims. California elder abuse attorneys say that financial elder abuse is on the rise nationwide.

Evans Law Firm, Inc. handles elder abuse, financial elder abuse, physical elder abuse, annuity fraud, consumer fraud class actions, insurance and banking fraud cases. If you think that you have witnessed or are the victim of elder abuse, or financial fraud then contact Evans Law Firm, Inc. at 415-441-8669 for a free and confidential consultation, or email us at

How To Gauge The Volatility Of A Stock Market Investment

Do Your Research
You can find a great deal of information in the stock tables of your local newspaper, or your favorite financial industry publication. Those stock tables contain a wealth of information you can use to gauge the volatility of a stock market investment. Turn to the stock table in your favorite financial publication. Locate the 52-week high and low for each stock you plan to invest in.

Compare the 52-week high for the stock to the 52-week low. The difference between the 52-week high and the low is a good indicator of how volatile the stock has been over the last year, and how volatile it is likely to be in the future.

Contact the Company
Contact the investor relations department at each company and request a copy of the annual report. Some companies publish these reports online, so you might be able to find past annual reports on the company’s website. If not, check the website and find the contact information for the investor relations department.

Review the price history of the stock as shown in the annual report. A wide spread between the annual highs and lows for the stock is an indication of a highly volatile stock. A company whose share price has been more consistent has shown far less volatility.

Practice on Paper
Create a paper portfolio and track your stocks over a period of several months. List each stock on a separate line and list the daily or weekly price in each column. Tracking the stock price over time will give you a good indication of how volatile the stock is.

While nothing can totally eliminate the inherent volatility of investing in the stock market, there are a number of strategies you can use to reduce the risks of the stock market and increase your odds of finding a winning investment.

Fair Trade T Shirts – A Great Option For Ethical Products

Most of the time, we live our lives and never even think twice about what items we are using every day and who makes them. Big companies commonly employ workers in other countries where labor is cheaper and workers have fewer rights in the workplace. As market demands increase so does the profit to the company. The Fair Trade campaign is designed to help people who care about where their products come from become more aware.

Even though a variety of laws exist that relate to Fair Trade issues, it is essentially a social campaign that fights for improved trading conditions in 3rd world nations. The fair trade movement creates policies against prison labor, child labor and the use of workers who are being forced to work against their will. At the same time the fair trade movement seeks to encourage environmentally responsible and sustainable production as well as fair pay to workers. Thanks to this movement, workers in 3rd world nations are getting more money for the jobs they do, which means they can better support their loved ones and contribute to an improving economic situation in their immediate areas.

More and more items are becoming available under the Fair Trade movement thanks to better awareness and increased desire for products that have been ethically manufactured. The major products that are currently manufactured include alcoholic beverages, tea, coffee, grocery products, and cotton-based products such as shirts and sheets. Even though the world economy took a hit, the sales of certified Fair Trade products went up about twenty percent last year despite being only a fraction of the consumer goods created around the globe.

Purchasing a fair trade t shirt, for example, is going to be a bit more expensive, but they are of superior quality, which makes them extremely durable. They are completely opposite of the cheap, mass-produced shirts that must be replaced on a regular basis. The positives of Fair Trade clothes are extremely numerous, while the negatives are few.

When buyers buy fair trade goods, the goal is to protect the producers in developing countries against the instability of market prices. A portion of profits generated from manufacturing is used to construct services for local communities like medical, educational, and environmental projects with the hope of breaking the cycle of poverty in these areas.

In addition, the movement is committed to promoting environmentally friendly merchandise, making use of organic materials and sustainable textiles. Conventional cotton production wastes huge amounts of natural resources, relies on the heavy use of harmful chemicals, and has a negative impact on the health of the workers and also the local environment. Fair Trade production is working towards much more sustainable practices that enhance the atmosphere.

As customers, we can make far better socially conscious choices by buying goods manufactured with fair trade principles. As this motion in the direction of ethical commerce grows, everybody comes out as a winner.

How Much Money Can A Stripper Make

If becoming an exotic dancer has ever crossed your mind, youve probably asked yourself how much money can I make? Because this and a lot of other questions are running through your mind, I wrote “How To Be A Stripper: Everything You Ever Wanted To Know But Were Too Afraid To Ask” to help answer this and many other questions.

My first night dancing, I brought home a whopping $60. It was definitely discouraging because I thought Id be bringing home at least $300 if not more. The thing I failed to understand about stripping is that making the big bucks doesnt happen over night. There is a learning curve to understanding how to make money you can make off dancing on stage and learning how to get customers to buy lap dances from you.

Because most dance sets are made up of two 3.5 minute long songs, the club will have approximately eight girls dancing per hour. Keep in mind that there is at least a 30 second interval between dancers, so there is a chance that only seven girls will go up on stage per hour/per stage.

What does this mean for you? Depending on how many stages there are in your club, how many girls are on the rotation schedule, and how many customers there are, youll most likely make between $10 and $50 per stage show.

Once you learn the art of getting a customer to buy a lap dance from you, youll easily increase your earnings per night. Since you are only on stage for approximately 7 minutes per hour, youll want to make the most of the other 53 minutes.

Most lap dances are between $10 and $20 per dance, so the key to making a lot of money is to keep your customer buying dances from you once youve already got him in your chair. The best thing to do is make your lap dance the most seductive during the last 30 seconds. When you can hear the song starting to end, ask your customer if he wants you to continue. If youve done it right, hell want more!

Taking the money you make off stage dances and adding it to the money you can make by getting customers to buy lap dances from you, you can make between $80 and $100 an HOUR. Of course, this amount may vary some nights youll make more and some nights youll make less, but this is the average you should expect.