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Financial Services Category

Monday, January 23rd, 2017

Is Separation Good For My Marriage? 3 Pros And 3 Cons

By Susan Willis

When your marriage is facing a few problems, most people would tell you to ride things out. They would say that problems, especially in such a complex arrangement as marriage, are par for the course. And, that is good advice.

However, when your marriage begins to face so many problems for such as long time that no solution seems to be in sight, then you really need to get on the ball and start exploring your options. You are not doing yourself, your spouse, or your kids (if you have kids) any favors by just grinning and bearing it when the situation in your marriage becomes too impossible to live with day-to-day.

The good news is that, in todays self-help-oriented world, there is a huge range of options for people involved in marriages that are not working. The options range from self-help books & seminars, marriage counseling, and the support of family and friends .. . all the way to separation and divorce.

If you are wondering, Is separation good for my marriage?, check out these 3 pros and cons of separation:

3 Pros of Marriage Separation:

Here are 3 potential benefits to marital separation:

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Pro #1: Get some breathing room:

Marital separation provides you with the chance to live apart for a while as you work out your problems, seek counseling, and take a break from the constant discomfort and fighting. Basically, you get a chance for some breathing room and to clear your head.

Pro #2: Keep legal and financial status of a married couple:

Separation allows you to remain married in the eyes of insurers, financial companies and others who consider you married. All benefits remain in effect with the two of you still being considered a married couple. This is a huge benefit to separating as opposed to divorce, in the eyes of many couples.

Pro #3: Experiment with being single:

Another advantage is the ability to try on for size what it would be like to be single again, without your spouse around.

3 Cons of Marriage Separation

Here are three potential drawbacks to separation:

Con #1: It is one step closer to divorce:

A large number of couples who go through separation end up getting a divorce. Without taking the time to educate yourselves about how to make the relationship work, the marriage could just fizzle out.

Con #2: Your spouse may date others:

If you are concerned about preserving your marital fidelity, separation may not be the best choice for you. In many such situations, one or both of the spouses end up dating other people. Of course, this depends in part upon the agreements you have made with each other, as well as how trustworthy each of you is.

Con #3: It can be very hard on other people who are involved in the situation:

We all recognize that we live within a web of relationships. Extended family, friends, and of course any children you have will be directly and potentially deeply affected by the act of separating.

Consider these 3 pros and 3 cons of marital separation as you decide the best course of action for moving forward.

About the Author: Get advice on saving your marriage from a relationship expert who has saved thousands of marriages at:

How to Save Your Marriage

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=594505&ca=Marriage

Wednesday, November 30th, 2016

Use A Mortgage Calculator To Give Accurate Home Loan Estimates

Click Here To Find Out More About:

By John Hoots

Those aspiring to own a new home may not be able to pay outright for the property. Getting a home loan is what most people do to finance a new home. Knowing the monthly payments that will have to be made, duration of the loan and rate of interest is a must. Otherwise, you may over commit yourself and buy a large property for which you may be unable to pay the monthly home loan installments. This will mean foreclosure of your precious home.

To avoid this eventuality, it is important to purchase a home that fits into your salary and expenses comfortably. A mortgage calculator is a good way to find out what your monthly commitments will be. By entering figures like cost of the new house, salary, rate of interest and duration, the calculator will give you a fairly accurate estimate as to how much your monthly payments could be. Have a list of your current and future household expenses and see if you can comfortably afford your home loan.

If you cannot, then lower your expectations and look at cheaper properties and try the calculations all over again. The mortgage calculator can be used like this multiple times to arrive at a favorable figure. There are different calculators available that will provide different data like:

— Regular Mortgage Calculators that can calculate

o Best loan program

o Monthly payment

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o Target payment

o Affordability

— Mortgage Interest Calculators that can calculate

o Fixed Rate

o Adjustable Rate

–Mortgage Insurance Calculators

In the first category, the best loan program mortgage calculator will offer different financial options like interest only or down payment amount loan programs and help you select that which will suit your budget the best. The monthly payment calculator will estimate loan amount, taxes and interest and arrive at your monthly mortgage expenses. The target payment calculator lets the user input the monthly payment amount they are comfortable with and then shows different loan programs that will be commensurate with that amount.

The affordability mortgage calculator calculates how much home loan a homeowner can afford to take. This will use the homeowner’s salary structure and current debt amount to arrive at an amount that will suit these figures. There are different interest deals that are offered by financial institutions that will suit different clients. Using mortgage interest calculators, homeowners can check out both the fixed rate [which will remain the same for the duration of the loan] and adjustable rate [which will change depending on prevailing economic circumstances]. This will give them a good idea of their liabilities and they can choose a home loan accordingly.

Using a mortgage insurance calculator will help individuals estimate their mortgage insurance cost over a long period. The calculator determines if the loan will be more or less expensive that a loan that does not include insurance but has a higher rate of interest. All these mortgage calculators are available at different websites and a Google search will give you various options that you can try out for free. Using them can be confusing for the first time homeowner in which case they can seek the help of a home loan expert to help them arrive at the best figure.

Home loans can be obtained through government agencies or private lenders. It is easy to get home loans these days with even real estate investors offering cash to borrowers who may not otherwise qualify for a regular home loan. Borrowers be wary and do not let your desire to own a new home, cloud your judgment. A lot of these hard cash lenders can be very unscrupulous and charge very high rates of interest along with a large initial down payment that could be up to 50% of the value of the property.

Most of these loans will be short term loans and if the borrower is unable to payback, then the property will be seized. There are some government agencies also who offer home loans to those who may not meet the conventional home loan criteria. This could be a safer option and the borrower must offer proof of income, value of the property and source of their down payment as details to avail the loan. Doing proper research is essential so that you do not land up with too high a mortgage amount that you will be unable to pay or worse still, get caught with unreliable and unscrupulous lenders out to fleece you.

About the Author: Article by John Hoots of ChicagoMortgageSpecialist.com, a website with the best

Chicago mortgages

and

Chicago mortgage brokers

information on the web.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=804600&ca=Finances

Tuesday, April 14th, 2015

A Review Of 50 Blues Blues Backing Tracks By Planet Of Rock

By Eugene Walker

For most guitarists, the dream of perfecting their Blues style is one that most achieve for. But the problem is in achieving blues guitar greatness is finding the ideal atmosphere that will allow you to expand and grow your style and technique. But what is the best way to do it?

The secret that all blues guitarists know is that the key of the perfect riff is improvisation. There is always that one moment when you are jamming with the band, when the music just overcomes you, and the perfect blues riff just flow seamlessly from your fingers. But other than getting the band together and every possible moment, there are not many opportunities for you to perfect your style to achieve such greatness. This is especially so if you do not have a band or if you band members are constantly turning up late or drunk! Believe me, it happens regularly for me.

That is where 50Blues comes in, providing professional blues backing tracks and jam tracks to develop and expand your technique. With over 50 blues backing tracks available to use, the possibilities are endless in what you can achieve.

50Blues is the perfect way to expand your style and technique because of the sheer simplicity behind it. After purchasing online, it only takes about five minutes to get the downloads you need, and it won’t be long before you have the perfect blues backing track to practice with.

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The blues backing tracks are also available for purchase via CD for all those people who are more comfortable around hi-fi systems than computers.

While there is a sheer number of options available when it comes to blues backing tracks, but what makes 50Blues rise head and shoulders above the competition is the absolute quality that comes flowing out of the speakers when you load up the tracks.

All tracks are performed by a full blues backing band, so it gives the serious blues player the chance to truly feel the mood and tempo of the music rather than try to focus on other tracks that do not provide the same quality.

The choice of blues backing tracks with 50Blues is endless, so regardless of the style and tempo you want to perfect, the choice will be at your fingertips with relative ease. And 50Blues is not just for blues guitarists, as the blues backing tracks are perfectly formed that it is regardless you play the guitar, harmonica, harp of just about any instrument that can achieve inspirational blues riffing.

Finding opportunities to perfect your style are hard to come by, so the choice of 50Blues means that you can practice your style and technique how you want, when you want.

For all serious blues musicians, there is no doubt that the secret in becoming the master is the need to take every chance to practice.

With 50Blues providing quality sounds of a true blue backing band at a simple click, it won’t be long before you discover the blues music just jumping out from within!

About the Author: Reviewed By Eugene Walker of Planet of Rock – Guitar

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. Visit 50 Blues now for the best

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Source:

isnare.com

Permanent Link:

isnare.com/?aid=288935&ca=Opinions