Debt Consolidation USA Discuss Working Around Money Concerns In Marriage

by Shelton on May 8th, 2014

filed under Debt Consolidation

Phoenix, AZ (PRWEB) April 26, 2014

Debt Consolidation USA shares money concerns married couples encounter in an article posted last April 23, 2014. The material titled On Having Money Problems In Marriage And Still Make It Work discusses how marriage has an impact on the finances of the new couple. And that this concern is best addressed and talked about rather than letting it pass.

Some people might come to a conclusion that getting married is a plus point in personal finance because the income automatically doubles-up.It brings in the income from two people on the table. But some fail to realize that marriage also increases the expenses and sometimes might even be bigger than their individual expenses combined. This is because of mortgage, kids, retirement, bigger emergency fund and a lot of other items most single people do not deal with.

The article shares how marriage is exciting and that the union of two people will bring in different perspectives and approaches in a lot of things – most especially personal finance. One person might have a set rule on dealing with savings and could be different from the other.These are friction points that could lead to big arguments and problems if left on their own.

Here are some points the article shared on dealing with money concerns for married people:

Arguments are to be expected – There will be disagreements on quite a few items at the beginning because of the different backgrounds the married couple are coming from. One might have a strict rule on savings and retirement while the other prefers aggressive investment tools that is quite risky. These points are to be discussed and talked over because the more people keep issues bottled up, the more it might blow up into a big argument and blaming starts.

Keep the communication lines open – One critical point the article shares is keeping the communication lines open between couple. This is important to understand where each financial issue is coming from. This is critical in resolving and moving forward stronger in marriage.

Discern the objective – Arguments come from having different points of view and trying to merge them together. In these cases, the article shares how important it is to know the common ground. This is the common objective that the couple wants to achieve. The argument could be one wants to go on a cruise and the other wants to save up the money for retirement. The common ground could be wanting to reward the marriage. It is best to keep that objective in mind and meet halfway.

The article points out that there are a lot if financial issues that married couples have to work on. There are even financial infidelity that can slowly creep up and eventually destroy the marriage. It is important to keep communicating and ensure that trust is never broken.

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Cheat Sheet to 2014 GOP Senate Races: Georgia

by Shelton on May 8th, 2014

filed under Personal Funding

These include Reps. Jack Kingston (R-Ga.), Phil Gingrey, Paul Broun, and David Perdue, and former Secretary of State Karen Handel. But when it comes to fundraising success, theres a clear winner and its not Broun or Kingston, or even a Republican for that matter. Its Michelle Nunn (D-Ga.) at $2.4 million, compared to Jack Kingstons $1.1 million, David Perdues store of personal funding he can draw from, and the under $350,000 that both Broun, Gingrey, and Handel earned, as reported by The Washington Post. 

Republicans in the state could be facing a greater battle in Nunn than in each other ultimately. What a lot of people dont understand about the Republicans in Georgia is that up to 2002 a lot of them had a D next to their name. Theyre very comfortable with names like Carter and Nunn, said Erick Erickson, the founder of Red State who considered running at one time, to MSNBC. Part of the concern lies in the rather conservative views of some of the Republican candidates, more to the right perhaps than many in the more purple hued state may be comfortable with.

Phil Gingrey, for example, is highly anti-abortion except in the case of saving a mothers life, anti-stem cell research, anti-same-sex marriage, pro-gun, and pro-Ryans budget. Predictably he is anti-Obamacare and takes a hard line on immigration. He is strongly in favor or keeping god in the public sphere, according to On the Issues, and defended Todd Akins comments last year, later apologizing for doing so. [Akin] went on and said that in a situation of rape, of a legitimate rape, a womans body has a way of shutting down so the pregnancy would not occur. Hes partly right on that, said Gingrey at the time, later saying that after a review of recent research, he sees that this is not the case. I felt so badly about it, because my profession is treating women, Gingrey said, a doctor as well as a politician, according to The Hill.

Rep. Paul Broun, on the other hand, is anti-Obamacare, in favor of small government, and desirous of cuts in federal spending. He, like Gingrey, has had cause for public apologies. Broun was the one to call President Barack Obama a Marxist and to compare him to Adolf Hitler. Later, he apologized, saying, I regret putting it that way It may sound a bit crazy and off base, but the thing is, hes the one who proposed this national security force. Im just trying to bring attention tot he fact that we may have a problem with that type of philosophy of radical socialism and Marxism, according to CNN.

The two most recent polls both rather dated unfortunately from Public Policy Polling, and from Survey USA, had all candidates below 30 percent, with the leads switching between Broun and Gingrey at the top for Republicans at 27 percent and 14 percent respectively, and then more recently Perdue and Kingston at 29 percent and 19 percent respectively.

Unfortunately for all of the above, Nunn is just conservative enough that she may be able to pull some of the more moderate Republican votes her way, leaning Republican on issues such as Obamacare and the budget. She also is taking a tone thats been popular lately, reminding Americans of frustrations with the current Congressional climate. Whats going on in Washington has to stop. Politicians fighting and bickering and too often forgetting about the people theyre supposed to represent, she said in her latest ad.

More From Wall St. Cheat Sheet:

  • Cheat Sheet to 2014 GOP Senate Races: Kentucky
  • Accusations of Racism Aren’t Helping GOP Expand Voter Base
  • Young Conservatives Emphasize Same-Sex Marriage Acceptance in the GOP

Follow Anthea Mitchell on Twitter @AntheaWSCS

Financial Responsibility for Teens Discussed by Debt Consolidation USA

by Shelton on May 8th, 2014

filed under Debt Consolidation

New York, NY (PRWEB) April 23, 2014

Debt Consolidation USA recently shared in an article last April 21, 2014 how important it is for teenagers to start learning about financial responsibility. In an article titled 6 Lessons Teens Need For Grown Up Financial Responsibility, the site shares some key points on how to get teens started early on the correct path to handling their own finances.

Some of the areas discussed where teenagers would benefit most are the following:

Learning how to do things – Debt Consolidation USA pointed out that personal finance can start in the simplest of things. Being able to accomplish things without relying too much from other people can prove to be beneficial in the long run. One example would be learning how to cook. Training teens to cook would allow them the freedom to opt out of ordering take out every night and just cook their meals. This would save up a few dollars which could be a significant amount down the line.

Being responsible for your actions – Taking personal responsibility in every decision made can be practiced early as well. This can be instilled early on to point out the fact that in life, especially in financial management, every decision is made by each individual. It follows that every outcome of those decisions are not anyone elses but the one who made it. In handling finances, it is their income and ultimately their decision on how to allocate those funds accordingly.

Knowing the alternatives – Life should be lived to the fullest. But it does not mean fancy dinner every weekend or a trip every month. The article points out that teenagers can learn at a young age that there are alternatives in life. They want to get that latest gadget? Start with an old one and save up for a new one. Want to go out on a fancy date, put together a garden dinner with the help of friends and home-cooked meals. Knowing there are options can help teens realize that they are not bound by the societys norm.

Reading the fine prints – In personal finance, it is essential to read the fine print. Nobody said it was fun and easy but life is not always a bed of roses. The earlier they start paying attention to what may seem to small details, the better they will be when they become grown ups.

Understanding good from bad debts – Teenagers must know that not all debts are bad and must be avoided. In fact, there are good debts that benefit the consumer in the long run. One perfect example of this are student loans and mortgage loans. These types of debt allows them to get a college degree which in turn opens up their job prospects after graduation. Mortgage loan can give them the house that they need to start a family and paid off monthly.

Stepping back to look at the big picture – The last point in the article would be encouraging teens to look at the big picture and not just focus on what is in front of them. This habit can teach them to plan ahead and prioritize financial decisions according to importance.

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Debt Consolidation USA helps consumers deal with their debt problems and offers programs that will can enable a debt-free life.

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