Come here to learn…

January 29th, 2013

You have probably heard that money woes are one of the leading causes of divorce. Keeping financial secrets like a gambling addiction, outstanding payday loans or massive credit card debt can come back to haunt you later in major ways, and these events are almost always a huge source of stress – for you and your spouse both. Some people believe that money fights are predictive of divorce, so it’s important to rein them in while you can. Read on for some ways to smooth over, patch up, and recover from money arguments.

Transparency is Key


We’ve all heard the horror stories. In almost every case, terrible financial secrets will not stay secret forever. The debt will find you. When it does, will you be in the midst of a life-shattering argument, or working through your saving plan? It is important to be honest about finances with your spouse from day one. Share your credit score and reveal any bumps in the road, even if they’re taken care of. If you are not good with money, tell the truth, and work to find a solution: take financial classes at your local career skills center or get some guidance from someone whose money skills you admire.

Project Acceptance


If you suspect that your spouse is hiding something from you, it is important to appear open and agreeable, not angry or explosive. Do not gather evidence in order to confront them with a flourish; instead, if you notice something amiss, bring it to their attention immediately, making it clear that the discussion is open. In the short term this will probably avoid an argument; in the long term, this will create more positive feelings between the two of you, even when it comes to money disagreements.

Agree on a Budget


Work together to create a budget that you are both happy with. Try to align your points of view – if you are extremely concerned about saving for retirement but your spouse is hoping desperately to live in the present and enjoy a vacation, try to find some happy middle ground. Be sure that you both understand the areas where you must make sacrifices, and how to use your accounting software or whatever other system you devise. If your spouse slips up, it is important that you treat them with respect and work through the issue without anger. Revisit your budget regularly. If something is consistently not working, try to understand why and come to agreement on a way to solve the problem.

Pay Bills Together


Even if you maintain separate accounts, make paying bills a shared activity. Paying off debts makes money seem more tangible, and not just like magic contained in a plastic card – and working together puts you on a united front. This is also a good time to discuss your budget and whether or not it is working.
Paying bills together also assures that you both understand the process. Letting one person stay in the dark while the other takes care of the family finances is asking for a bad situation. If one or both of you is clueless, there are a number of resources online, personal finance blogs, and at the career skills center in your town.
Have you avoided money arguments with your spouse (or significant other)? What tactics have you used?

Aaron Walker is a tech enthusiast and amateur PF enthusiast who loves trying new gadgets, reading true crime novels, and hiking. He hopes to someday end up in a writing career combining all of his interests.

July 28th, 2012

As people get older they often consider moving to a continuing care retirement community to live out the rest of their days. However there are so many different options out there, all of which offer varying levels of services, that it’s very difficult to know which one is right for you. The first thing that needs to be done is to be honest about how much help you or your relative needs to live a comfortable life. Is it that just a little bit of help is needed with the daily chores or is there more serious health concerns that may need medical help. If the former is more like it then an assisted living facility might be the best bet. Continuing care retirement communities will offer a variety of care options from just doing the laundry and providing meals down to helping residents bathe and dress. They also offer limited medical help such as basic nursing and help with medication.

Depending on ability levels certain assisted living facilities might be more suitable than others. Some cater more to independent people who can live their own lives but require some support. Whereas others are more focused on people that have more difficulty with day to day life but still do not have severe medical conditions. Make sure you know exactly what services are offered and try to meet some existing residents before making a decision.

If there is a more serious health issue that needs to be considered a nursing home or a memory care community might be a more viable option. Nursing homes have a full medical team that is able to deal with most severe health conditions. They are also prepared for emergency care if anything goes wrong and assistance is needed immediately. When considering a nursing home a good indicator is how many social events are put on. Many people in nursing homes are mostly immobile so a wide range of community events is an important factor.

July 28th, 2012

Hospice’s are different from a life care community. Because of this, the first question that should be covered is: what is a hospice? The answer to this is quite simple, a hospice is a care environment for those who are suffering with a terminal illness. A hospice will have a team of doctors, nurses, counsellors, social workers, and even spiritual leaders. A hospice is there to provide the best care in every area to patients with a terminal illness. This might be in their own home or in a home like environment to make the patient feel as comfortable as possible.

Having such a wide range of disciplines working with the patient ensures that they get the best care in every area. The team of doctors and nurses will ensure that the best medical care is provided so that patients are as comfortable as possible. The social workers and counsellors are there to help the patient through this difficult time emotionally. They will also support the friends and family of the patient who often have difficult dealing with such a severe illness. Finally a spiritual leader is on hand to provide spiritual support for those that desire it.

Some people may not realise that they are eligible for hospice care. All patients who have been diagnosed with a terminal illness qualify for hospice care. This is an option that should certainly be considered as there is nowhere else that such a high level of care in so many different areas can be found; other than ccrc communities. A hospice is for those that no longer have a curative option open to them and are just looking to improve their quality of life and deal with the emotional stress.

Another common question asks whether all hospices have the dame facilities available. The answer is no, some hospices will have a speciality in one field or another such as a continuing care community, and will tailor their services accordingly. It is up to the patient to decide which of the local hospices is right for them.

July 28th, 2012

There are many different options for an elderly person who makes the decision to move to a senior living community, aka ccrc community. There are all sorts of care available and being properly informed can really help to work out which type of care is right for each individual. One of the least intrusive options is to have homecare so that the senior can remain at home but still get help with whatever they need. These services tend to include help with the day to day chores such as washing up and doing the laundry as well as meal preparation and basic healthcare. Most home care will not include skilled medical care so check what services are offered in advance to ensure that everything you need is covered.

Continuing care retirement communities are an option for those who are still entirely able to live on their own. This may be a good idea for someone who is perfectly capable but wants some company from people of the same age. These communities tend to encourage independence but Continuing care community do also provide some services to make life easier.

Unfortunately people sometimes reach a point in life where they do have difficulty caring for themselves. If this is the case assisted living is a relatively low cost environment that provides the support that a person needs. These assisted living facilities tend to offer basic medical support and help with washing and dressing in much the same way that home care works. Assisted living has the extra benefit of a constant support network if anything goes wrong.

A nursing home or a skilled nursing environment is for those that have severe medical conditions that require almost constant supervision. A nursing home will provide meals and activities as well as any healthcare that’s needed. Generally these facilities have nursing staff working 24 hours a day with a doctor on call at all times. Physical therapies such as osteopathy or physiotherapy may also be offered in a nursing home.

June 27th, 2012

Choosing a great topic to write about is almost as important as being able to write well. A according to a great freelance editor, topics should be relevant to your niche as well as engaging for the reader. One of the best sources for this kind of topic is up to date news about anything that’s relevant to you. Writing about current news stories is a brilliant way to engage your readers. By providing them new and interesting information you’re encouraging them to come back for more. Any free lance editor catchy headline will draw someone’s eye and get them reading, it’s up to you to keep them reading. Google alerts can really help you to find good topics. Set up an account and google will let you know whenever a news story is published pertaining to your chosen keywords.

Another good way to scout out topics is to engage with others working in the same niche. Read other peoples blogs and keep an eye on the best websites for your area. This will give you a whole wealth of topics to examine, whether it’s disagreeing with a point of view or finding a new angle on a topic. Also, read the comments sections of blog posts both your own and others. This can give you great insight into what the readers want to read about. People will comment with questions or start discussions which can easily become entirely new topics for you to write about.

Finally, according to a freelance editor one of the best ways to ensure you have topics is to collect information. Any information you can find that’s related to your niche may prove to be useful later on. One way to use this information is to create a series of posts providing how to guides. For instance having information on products can lead to a post on choosing the best the product or a set of product reviews. Use the information available to you in an interesting and engaging way and you’ll have readers for years.