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.

Chartered Accountant Jobs – Improve Your Skills And Get Experience

In today’s economy, chartered accountant jobs are fast growing. Due to the fiscal crisis, many companies have initiated hiring freezes. Long time personnel are facing budget cuts, which force them to work for less money. With this entire happening, who is actually doing the work then? The answer rests in chartered jobs. From contractors and freelancers to temporary assistants, work is being outsourced like never before.

Several accounting firms now heavily rely on chartered accountants. Like regular accountants, chartered accounts have extensive industry experience. The only difference is that they work under a mentor for no less than three years. To become a charted accountant, you must have completed a two-year program. This is normally affiliated with postgraduate endeavors.

Chartered accountant jobs have several benefits. These benefits can open the door to a riches of new opportunities. From world travel to global appeal, this is more than just a regular job. The benefits include excellent pay, networking, and professional enhancement. You also learn as you go, which are great for tackling new developments and changes. Your mentor will also guide, advise, and make certain you are taking the right path to success. You could possibly implement your learned skills as well. This position offers job growth, which allows accountants to steadily climb the ladder of success. It’s also perfect for college students looking for an exciting and thriving career.

Chartered accountant jobs are widely available. Because of the their popularity, several people have considered career changes. With a solid foundation, they could possibly earn more revenue. The ability to work with a varied range of clients is also beneficial. This will lead to newer projects and higher visibility. As accountants, these are continuously in demand. From the public to government sectors, chartered accounts tackle several issues. These include tax endeavors, business initiatives and financial investments. With unsurpassed knowledge, accountants deliver viable options and suggestions. They also provide a valuable service to the public. Since accounting jobs are always available, those wishing to enter this field have a good market scope.

From bookkeeping to financial reviews, chartered accountant jobs continue to expand. The need for chartered accountants has risen in the last 5 years. This means more jobs and much more opportunities. In today’s economic climate, this is truly a breath of fresh air. Statistics also show that several college students are taking up accounting. Due to its productive nature, this exciting field can lead to other financial endeavors.

America While We Seek Mirth and Beauty – Judgment is at the Door

America’s premiere nineteenth century folk songster was, hands down, one Stephen Collins Foster. He died a pauper as have many folk songsters before him, but in 1854, Firth, Pond and Company published one of his songs entitled -Hard Times Come Again No More- and it became popular both in America and across the continent of Europe.

Nation founding and pioneering were at their height across the globe, but never so much as in America. Songs of struggles and scarcity were common and Europeans found them interesting in their fully developed nations where poverty was limited to certain cities or regions, but the general welfare of most European citizens was stable.

Foster’s songs invoked the sense of struggle and hard times, but were often misinterpreted as a sign that America was weak and could barely stand to her feet. In fact she was never stronger. Enduring hardships is a cleansing and purifying element that has long gone, and now it may be only the absence of the latest handheld gadget or the money to lavish on entertainment that is considered a hardship.

Difficulty has never made anyone weak if they refuse to move forward conjuring the best attitude and sense of resolve as they go. Was it a prayer or simply a mournful cry for hard times to come no more – in any sense, it was the call for better times that is generated from a belief that they can and will come.

Let us pause in life’s pleasures and count its many tears, While we all sup sorrow with the poor; There’s a song that will linger forever in our ears; Oh! Hard times come again no more

‘Tis the song, the sigh of the weary, Hard Times, hard times, come again no more Many days you have lingered around my cabin door; Oh! Hard times come again no more

While we seek mirth and beauty and music light and gay, There are frail forms fainting at the door; Though their voices are silent, their pleading looks will say Oh! Hard times come again no more

America sees her hard times as far behind with little chance of re-emergence in these times. This is the juncture where premiere old folk songs and premiere new false beliefs meet.

This writer is not guided by the latest trend in Christian journalism or the latest fad in doctrinal emphasis. Generational curses, prosperity gospel or any other fad of the church is taken for what it is worth, but will take no precedence over declaring the whole -counsel of God- as the Apostle Paul declared.

It is what I have -heard in the ear- (Mt 10: 27) that I must declare on the housetops, not what passes muster in today’s rapidly oncoming pop-culture gospel and trendy Biblical interpretation. So, exactly what have I heard?

America is heading toward hard times.

The short version is easy to declare, the causes require far more detail and that is what I write about endlessly.

America is prone to idol and hero worship and that is where the subtle error first makes its debut. Politicians, political pundits, news anchors and celebrities all have their place in the American scheme of things, but they rarely see the larger picture without some kind of compromising mistake that may look small, but in the light of biblical truth is major.

The seemingly invincible Fox News now hires homosexuals, has its top voices (Bret Baier) dismissed from speaking engagements because they have gone soft on key issues or succumbed to PC pressure of the day. The daily and morning shows host celebrities that have introduced sleaze into America through media which is generally looked at with snickers, laughter and curiosity.

Heroes like Bill O’Reilly are seen as the last and best voices even while their views of the nation may be generally correct, their solutions are almost non-existent or ignored. Hard work, lower taxes, economic responsibility all have their place in the old America but do little to help a nation that is plunging into moral reprobation.

We see in the last chapters of O’Reilly’s first best seller -Culture Warrior- a cavalier approach to the onset of the militant gay agenda. He concludes that it is a passing culturally faddish and unimportant part of the changes in the nation. What some are now calling the -Gaystapo- is today making our foibled impresario of the fallacious – look a bit foolish.

As if the hero was not sufficiently exposed, we all rush, not to read the bible, but O’Reillys book about the bible’s key figure -Jesus of Nazareth. O’ Reilly insists that only his trusted researcher Martin Dugard and a library of history books along with Bill’s high level of commonsense can discern the veracity and the importance of the man Jesus. Leaving the authority and God given fullness of the bible behind; our hero runs ahead at gallop speed with America’s conservative hoards running fast behind trying to keep up.

It should be embarrassing to see the nation falling even as the trumpeter calls the troops to the charge. As for Fox and O’Reilly the word for the day is -braggadocio.’ When writing to us, don’t use this word as a substitute for the truth and for mis-leading a nation about what is causing it to fall. A tilt has been discovered in the no spin zone.

It was never just about the killing of Jesus – it has always been about the life of the resurrected Christ carried on in the Holy Spirit empowered daily lives of the believers. It was never about how, where or when Christ died – it was always about for who he died.

-For when we were yet without strength, in due time Christ died for the ungodly.- (Ro 5: 6)

But as soon as possible research this, forget its historicity, it emerges from the Divine who resides in the eternal. To wit:

-In the multitude of words there wanteth not sin: but he that refraineth his lips is wise.- (Pr 10: 19)

We use SNL for parody, spoof, sarcasm and satire about daily events in America much like the French use Charlie Hebdo. We get a laugh out of it, but little more. There is no relief, change or meaningful reparation to our ills following our laughter.

Here is where it behooves us to realize that hard times come at the -backend’ of a nations run for a reason. The reason is blaringly simple – it is so, that nation, will not fall as all the other nations throughout history have fallen like so many dominoes in a row.

God is not a whip toting angry taskmaster, but a loving Father who cares about our future as individuals and for our nation as well. Consider this:

-For if we would judge ourselves, we should not be judged. But when we are judged, we are chastened of the Lord, that we should not be condemned with the world.- (1Co 11: 31-32)

Politicians, news anchors, celebrities and the best of the best all have their significance, but if we are ignoring the admonishments of the Lord we will still have to pass through chastisement. Those are the days when laughter ceases.

Almost in a prophetic sense Stephen Foster’s sad song ends with a picture of an old woman who, after all, could find no relief and, in fact, the dirge is carried right to the edge of the grave – is that woman America?

There’s a pale drooping maiden who toils her life away, With a worn heart whose better days are o’er: Though her voice would be merry, ’tis sighing all the day, Oh! Hard times come again no more

‘Tis a sigh that is wafted across the troubled wave, ‘Tis a wail that is heard upon the shore ‘Tis a dirge that is murmured around the lowly grave Oh! Hard times come again no more

Michael Bresciani is the publisher of American Prophet.org since 2005. The website features the articles and reports of Rev Bresciani along with some of America’s best writers and journalists, news and reviews that have earned the site the title of – The Website for Insight. Millions have read his timely reports and articles in online journals and print publications across the nation and the globe. Follow us on Twitter and Facebook

Finance Courses; why Is It Important To Study Finance

Financial risks and rewards are what actually matter most in a business and finance is the essence of business. Hence a good finance course does benefit working executives as well as fresher who have an aptitude to grow in the financial world. Managing and controlling finance in a business is the most complex jobs in a business environment since its the responsibility of the finance professional to reap best value for investment.

Finance Courses: Of late there is a steep rise in the demand for financial courses and a deep hunger for financial literacy. The famous author Robert Kiyosaki in his best seller Rich Dad Poor Dad that sold millions of copies and is the most successful writing in financial literacy had stressed the need to understand finance. He rightly quoted that the average adult lack basic financial literacy and cant differentiate between assets and liabilities.

Certificate course in Finance: Premier finance institutions offer certificate courses in finance that has become quite popular as its a quick ladder to the top management in an organization. They put in a lot of practice and on the job training into it so as to ensure that the day he/she passes out of the institute, he is job ready. The courses take students through comprehensive knowledge in all spheres of financial management and allocation of financial resources, asset management etc.

A course in financial management is the most desired among all management courses as it is the most sought after skill in the corporate world as mentioned earlier, finance is everything in the business world. A course in finance from a premier institution opens-up great opportunities in all sectors irrespective of their line of business such as banking, insurance, securities trading etc. Finance professionals look after the overall finances of a business establishment in areas of Credit, Cash handling and company treasury management, investment advisor, risk management, finance consultant etc.

Finance has the highest prospect as far as the corporate world is concerned though its a bit of creepy subject for students which involves a lot of concentration on numbers. Management students prefer finance as their major subject of study owing to its worth in business though is a very complicated subject. A companys financial strategies are driven by the financial professionals who decide the fortune of a company. A finance professional basically draws financial statements and financial analysis based on which business strategies are formed and the future operations are decided.

The finance professional prepares the financial analysis that determines the profitability of the company which is crucial for sustaining growth of the organization. Companies even sponsor their junior finance professionals to finance courses to improve her productivity and acquire new skills. Many financial institutes offer certificate courses in finance that covers all aspects of financial management such as financial analysis, economics, business trends, financial strategies, banking strategies etc.

If you have a passion for controlling and managing finance then theres nothing like a finance career and a course from WLCI for you as it is highly rewarding and growth is enormous in the finance field. Finance professionals need to be alert and possess analytical skills to predict financial implication of business operations of a company, some finance course will definitely be helpful to these professionals.

Build Your Own Cedar Closet Without Breaking The Bank

If you’re thinking about updating your closet space, you have plenty of company. Closet organization is a booming $3 billion industry. Homeowners can spend as much as $30,000 on organized closet systems that can turn those ho-hum, stuffed-to-the-gills wasted spaces into stress-free, spalike quiet rooms.

“Closet renovations are hot right now,” says Pat Simpson, home improvement expert and host of HGTV’s “Before & After,” “Fix It Up!” and “Room To Improve.” “But many closet systems you see in magazines and on TV are out of the financial reach of most Americans.”

The trade magazine Closets notes that the average price of a master bedroom closet installation is more than $3,500-mostly from creating a custom closet with lots of shelves and drawers.

Cedar closets are starting to capture the attention of many consumers across the country. What’s the attraction? A cedar closet offers benefits you can’t find with other products, such as repelling and resisting moths, roaches, silverfish and mildew; providing a wonderful cedar scent; and being safer than mothballs and smelling better.

A Lower-Cost DIY Alternative

Professionally installed cedar closets can be expensive, but they don’t have to be a luxury. One way to update your closet without breaking the bank is by installing cedar closet liners on your own.

“You can create a beautiful cedar closet using do-it-yourself, easy-to-install cedar panels or planks for $150 to $360 for a standard-size closet,” says Simpson.

CedarSafe Natural Closet Liner planks and panels are made of 100 percent Aromatic Eastern Redcedar and line the walls of the closet. Both liners work well with standard or custom racking, shelving, storage drawers and cabinetry.

Any closet in the house is perfect for cedar closet liners. You choose the look you want, measure your space and install it in a matter of hours.

CedarSafe Natural Closet Liner planks and panels are available in the paneling or closet departments of Ace Hardware, Do It Best, The Home Depot, Lowe’s, Menards, True Value, as well as in lumberyards throughout the United States and Canada.

Develop Hotel Management Strategy Map To Visualize Goals

What is a strategy map? Is it just a nice presentation demonstrating company goals? Well, some top managers and business owners think so. In fact, this is not true as an effective strategy map shows both goals and ways to achieve these goals. Besides, some strategy maps are very difficult to understand since they contain complex terms and formulas from strategic management theory. An effective strategy map must be easy to understand even for a person without even elementary knowledge of strategic planning. Such a person should see goals and how these goals will be reached. All the rest is unnecessary. An effective strategy map and shows cause and effect ties between goals and measures. For example, if a strategy map contains just one goal of making much money and no ways to implement it this will be a useless document. At the same time, if such a strategy map demonstrates how this goal will be implemented and what needs to be done in several stages, this strategy map can be considered effective. In
this article well talk about hotel management strategy maps.

First and foremost a hotel should develop comprehensive and realistic strategy. It means that strategic goals have to be ambitious and achievable at the same time. On top of that, making a lot of money can be hardly called a strategic goal. A strategy is about future vision, and hotel industry is not an exception here. Thus, a good example of strategic goal would be gaining particular percentage of market share, improve and loyalty of existing customers and attraction of new ones, improving hotel business image and recognition throughout the world and of course increasing profits. Of an effective hotel management strategy map will show what needs to be done to achieve these goals. Balanced Scorecard is perhaps the best tool to design strategy maps that demonstrate cause and effect ties.

All financial goals can be implemented if some improvements are performed in other spheres. As known, Balanced Scorecard consists of four categories which are interrelated: financial, customer, internal business processes, learning and growth. A hotel strategy map will show cause and effect ties between all categories and key performance indicators that each category contains. For instance, in order to increase revenue (financial), it is necessary to attract new customers (customer) which is possible on lee through introduction of new services and improvement of internal procedures (internal business processes) while this is only achievable through improvement of personnel professional level (learning and growth). This simple example demonstrates cause and effect ties between Balanced Scorecard categories and key performance indicators. For example such key performance indicator as customer loyalty directly affects revenue growth since loyal and satisfied customers are more likely to stay and the same ho
tel again. Thus, the hotel strategy works in the long term which contributes to competitive advantage in the market. It needs saying that Balanced Scorecard will perfectly work and the hotel will improve its performance only if improvements in the four categories are achieved. This means that the hotel should be ready for changes.

Can Singapore Private Banking Replace Swiss Private Banks

Singapore private banking has grown massively over the past decade. Assets under management at Singapore private banks have grown to around 300Bn, 6 times what they were 10 years ago. It is estimated that Singapore manages around 5% of the world’s private wealth, while Swiss private banking manages around a quarter.

Singapore has benefited from tight bank secrecy regulation, in addition to a rise in the number of Asian millionaires, especially the type that want to invest with private banks and financial instruments rather than in property.

Yet in response to demand from the G20 group of developed countries, Singapore has promised to rethink its ultra private secrecy laws. Like Switzerland, Singapore has to walk the tightrope between keeping its sovereignty and international acceptance of its laws and banks.

One of the reasons why Singapore has grown is because it already was a large financial center in its own right. Unlike smaller tax havens and dependencies of other countries which have been accused of ”inventing” laws to benefit from capital flight, Singapore is a long-standing trading hub and center of international financial settlements.

There are several arguments in favour of Singapore keeping its privacy laws. Many private banking clients in Singapore are very powerful people among neighbours like China, Indonesia and Thailand. It’s in their interest to ensure that Singapore bank secrecy is not relaxed. Furthermore, Singapore is an international financial center – it cannot be blackmailed in the same way as other jurisdictions.

However Singapore has made concessions, and may not necessarily see its future in harbouring Western tax evaders. Singapore has signed TIEAS with a number of countries and promised to adopt article 26 of the OECD model tax convention on information exchange over tax matters.

After Swiss banking secrecy was put under the spotlight, it was widely reported that bankers were urging a massive flight of capital to Singapore, where bank secrecy rules still held strong. But in reality, basing any structure on bank secrecy is like building a house on a fault line, it’s bound to change. The smartest investors instead used techniques which do not depend on bank secrecy in any single country.

Savvy private banking clients are now using distinct structures which operate independent of bank secrecy such as investing through trusts or trust companies.

Further, the reasons for banking in an offshore centre like Switerland do not depend entirely on tax. In fact the biggest reason is security. Hundreds of banks have been going under in the US, not Switzerland. Investors are also escaping from currency devaluations, civil forfeiture and frivolous lawsuits.

Singapore wealth management is certainly growing in sophistication, but it is still in a learning phase. During the mid 2000’s when Singapore’s private banking industry was growing rapidly, it was alleged that ther were not enough bankers to meet demand. Singapore private banks were instead employing local hairdressers and carsalesmen with good people skills and turning them into private bankers.

Singapore private banking is modelled closely on Swiss private banking, even down to its family trust law. In terms of weathering geo-political events like the war on bank secrecy, Singapore may have to follow the Swiss lead also.

Free Online Financial Advisor – is it real

Selecting a financial advisor can be a very important decision for your business. If you choose incorrectly, the consequences can be very unpleasant for you and your finance. Financial planning can help you to reduce your financial worries. It is not easy to choose a financial advisor, because there is a risk to choose wrong one. It comes to your finance and you can not trust it to uncertain person. There are a lot of agency that suggest a number of financial advisors, but if you still feel uncertain and trustless, then why don’t you try with online financial advisor?

Are you amazed of this offer? Probably, you have never heard about that option. Here are a few tips on how this online financial advisor works.

Actually, it is not a person who is available 24 hours online. It is a kind of financial planning tool. And probably it will easier win your trust. Also, it is free and available for everyone. Therefore, you can save a lot of money. You know how huge the fees for financial advisors or financial advisors company are.

The free financial advice works very easy. First of all, it needs to know some information about your business or yourself. You will be asked from the program to fill the needed information. Therefore you should know well your investments and financial status. The personal information that you are required is your name and your e-mail. So, do not worry. You will not be asked for more private details like ID number, address and so on. After you have entered your name, e-mail address and financial situation, you will be asked about your investment objectives. Then the profile of your online financial advisor will be created.

According to the information that you have entered, the program will make a good, straightforward financial plan for you. By using free financial advice, you can be your own financial advisor. You shouldn’t rely on anybody to calculate you investments, incomes and your taxes, and so on.

With the free financial advisor you can do the following things: wealth management, debt management, budgeting and saving. It also is able to give you investment ideas and to calculate the investment risk. Online financial advisor provides you information about the last changes and news on the market and stock exchanges.

It is absolutely sure that you will have a lot of benefits joining the free online financial advisor. The registration is easy and will cost you only few minutes. But you can save a lot of money if you trust this tool. You will be able very easy to control you financial status, even if you are not financial expert.

In conclusion, if you want to calculate easily your finance, to determine your investments and to calculate correctly your taxes, you can do it for free and very easy by using only one program. This is free online financial advisor, which aim is to facilitates you and save you a lot of money.

Simply Advised provides Free Financial Advice and Investment Advice to anyone and everyone. We aim to replace an expensive financial advisor by providing better analytical tools in an easier to understand format.

Bankruptcy Lawyer – An Asset You Need for Your Financial Freedom

Handling your finances can be a tough ordeal, especially if you lose a job. Before you know it, you could be in over your head. If this is so, then a bankruptcy lawyer can help. Find out how one can benefit you.

Helps stop harassment Getting harassing phone calls is one of the worst things about being in debt. Your phone may ring early in the morning to late in the evening. This is because many creditors do everything they can to collect a debt. However, some practices can be illegal. If you’re being threatened in any manner or simply experience a call that you feel isn’t right, then you need to get a bankruptcy lawyer as soon as you can.

Knows the law You may think all you have to do is get the proper paper work, file with the courts and leave. Yet, if you don’t know the law, you may be doing more harm than good. That’s because there are different types of financial ruin and your bankruptcy lawyer knows the difference. He or she knows all the aspects of this type of law and can help be your guide so that you experience the best possible outcome.

Offer peace of mind One of the best reasons to contact a bankruptcy lawyer is simply peace of mind. Trying to wade through all that goes into filing for financial ruin can really be a tough situation. You’re already stressed out and can only take so much. If you’re constantly hounded by persistent creditors or are afraid to check your mail because of the letters that discuss legal matters such as suing you or garnishing wages, you need an attorney fast. In the end, you can leave the details to him or her so you can rest easy again.

Save you money The whole point of filing for financial ruin is to get out of all the monetary problems you’re having. However, there are some people that get caught up in a ton of other details that simply waste their money. You may get letters in the mail from companies that claim that they can help you get out of debt. The catch is that you need to pay them obscene amounts of money. Sadly, this can be scammers looking to take the little money you have left. A bankruptcy lawyer is a legal expert that knows just what to do to help you get through the process without causing you an extreme amount of money. Best of all, you’ll know you’re working with a pro that can assist you in all your monetary and legal troubles regarding debt collectors.

Save you time If you try to handle your financial difficulties on your own, you could simply waste a lot of time unnecessarily. That’s because you don’t understand all the details and red tape that can be involved in filing for financial ruin. There are multiple legal issues that only an experienced bankruptcy lawyer understands. The best thing to do is to make sure you have one of these legal professionals on your side if you want to speed up the process and be done with worrying about your debt and annoying calls from creditors.

eINDIA 2013 – ICTs in Financial Inclusion

eINDIA 2013 – ICTs in Financial Inclusion

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Our upcoming event::

FIPS(Financial Inclusion and Payment System)on 24-25 October Please visit :: fips.eletsonline.com

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