Category: Finance

It is very common for money to become one of the reasons that more couple arguments cause. If this is your case, take note of these useful tips.

The economic factor becomes one of the elements that cause a greater number of discussions within the relationship. Money problems can shake up a relationship since they bring to light some insecurities in both partners, even though we believe that it is stable and that it is based on solid foundations. What should be done when the economic factor becomes an obstacle for a relationship to move forward?

The times of economic crises make money problems reach a great importance in life as a couple. The high number of unemployed people (mostly women), the drop in salaries and the increase in many taxes cause the family economy to falter and not enjoy the stability it enjoyed before.

All these factors cause the issue of money management to the surface and cause small daily frictions that, in the long run, wear down and undermine the relationship. And is that when money is scarce the pressure increases, many couples begin to hide their personal purchases and even feelings of anxiety, anguish and loneliness occur when the couple does not communicate properly and does not join to solve the situation.

Measures so that money does not destroy your relationship

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Nothing should interfere with your partner’s happiness, much less money, but what should be done to avoid it? Here you have a series of possible measures to avoid that the economic factor is the culprit that your relationship falls apart.

Sit down and talk about your money problems

Communication is one of the bases of the couple and money should be also. Although many times talking about money may seem a little frivolous or out of place, we have to be clear about this aspect. Money is part of our life and, therefore, of our relationship, so that it is useless to try to deny it. When a couple sits down to talk about their finances openly, the tension over the issue of money disappears automatically.

Search for an action plan

The idea is to comment on the important expenses that have or will be made and analyze their pros and cons. It is not advisable to say at the outset a resounding “no” to an expense proposal made by your partner, as it will create tension and distrust. Express your opinion, but always with arguments and reasoning.

To help you with your economy, we recommend you read how to make an annual savings plan step by step and these tips to get financial freedom and not drown in debt.

Create agreements on the contributions of the couple

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The fact that one of the partners contributes more money than the other does not have to be a problem. If the two of you are in love and love each other, the most natural thing is to share the money and have everything be the two, without anyone feeling less than the other.

In any case, there is no basic rule about the distribution of money in the couple. Actually, the important thing is that both of you agree with the way you contribute economically, an agreement that should make both parties happy. The most expected can be a generous attitude to the economic situation of the other, but if it is not so, it is best not to judge and reach economic agreements that satisfy you.

Share financial responsibility

It is not beneficial for the couple that only one is responsible for the administration and the family economy since it can make the other person feel inferior and dependent, two very negative feelings for any relationship. On other occasions, the member of the couple who deals exclusively with the family economic administration may be overwhelmed, especially in times of crisis.

The best thing is that you share tasks in terms of financial responsibility so that your opinions and needs are always taken into account, and so you can balance the work and responsibility of the family economy.

If you notice that the monetary aspect is raising a wall between you and your partner, try to carry out some of these tips and you will see how the problem is solved and you return to enjoy your coexistence. Of course, both you have to put on your part.

In addition, you may be interested in this information on how to avoid couple crises for overwork and help you with these phrases to avoid couple discussions that work.

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Finance Relationship

Escaping from debt does not mean that problems in Poland have disappeared. In turn, debt does not mean endless troubles – there are ways to get away from financial problems. How to do it and who to report …? We present the story, which encompasses the lives of thousands of Poles living in exile today.

Debt begins where life gets complicated

Robert is a young man who takes the first steps in an adult, independent life. In love with no memory in Monice, decides to declare. Buying a ring consumes all of his savings, but he does not care about it because he got a job in a new, promising company. His fiancé is ascetic, together they plan for a future together.They organize a modest wedding, take a mortgage and buy a small apartment in the center of Katowice.Then everything starts to get complicated. Monika is in an unplanned pregnancy. Robert is panicking, is not ready for fatherhood.

At work everything is ruined, soon after Robert gets a termination. Monica’s parents are trying to help, but young people do not want to live on their own so they take a quick loan for a large amount. Later one more and one more … Money is given away, they do not even have to prove their solvency. A big cash injection is for them as a salvation – they can buy a trolley, crib, repaint the room, pay off another loan installment.

Soon the cash is over, the next few months, and the brides are trying to fix another “hole” in the payments.But this is not enough. They are therefore obliged to repay the former. They do not know yet that the loop is tight. Now it will only be worse … Finally, the creditors will demand repayment obligations. Robert receives the first payment order and learns that the bailiff is in danger. He knows he has to do something – and it’s fast.

– Debt is often the result of ill-considered and hasty decisions. The story of Mr. Robert is fictitious, but it was based on thousands of real, familiar situations. During the day-to-day work, we meet people who have fallen for various reasons on the bend and do not know how to get back straight. They usually do not realize that further debt is not a solution – says Łukasz Białkowski, co-owner of the Debtors’ Office, which runs the Debtor Portal.

Fleeing abroad like a lifebuoy

Robert’s situation is getting worse. Debt grows, no one wants another loan. The debtors urge you to pay – there is no problem when someone calls or writes emails, but the situation gets boring when at 6 am the debt collector pounded on the door while waking up the whole block. Everything is out of control, Robert does not understand why the amount to repay so significantly increased, begins to lose in the legal-financial jargon of documents and does not know what to do. Feeling soggy and tired. The only hope he sees in moving abroad. He wants to leave behind all the problems and completely change his life and his family. It would seem to be the best solution …

“Every one of us wants to escape sometimes, to go somewhere far, to disappear from the field of vision, and thus to forget about the problems. Debtors emigrate in fear of the bailiff, but should be aware that such a move is only a dodge, not a solution. It is worthwhile to calmly rethink our situation and prepare a strategy of action – adds Łukasz Białkowski.

Going abroad does not make the long run disappear

Escaping the bailiff can delay some problems for a while, but they will not go away. Debt continues to grow and systematically grows with further costs and interest. You should think about debt. In such activities, experienced lawyers can assist you effectively in the negotiation with your creditors and / or court hearings.

– The first step in our work is always to thoroughly analyze the documents that give us a full picture of the situation, and we can propose a strategy to rid the client of debt. We are not able to win all the negotiated or process cases, but our efficiency is 70 – 80% – says Łukasz Białkowski.

Imagine that our hero is reporting to our law firm. The attorneys are given a power of attorney and, after consultation with the customer, initiate a debt recovery process. Mr. Robert finally understands his position and sees the possibility of leaving the debt loop. The law firm negotiates with creditors in order to restructure loan agreements, while the others represent the pending processes for payment. Mr. Robert would probably be amazed at how many cases fall into the courts and that there is such a significant reduction in debt …

“For years we have been combining negotiations with procedural defense and knowledge with experience.Only this combination of two seemingly contradictory actions brings the best results. If the above story was not invented for the article, we would probably celebrate another big success – ends Łukasz Białkowski .

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Please assist me in increasing money for surgical treatment that will enable me to have good neck feature as well as decrease discomfort considerably.

On 8-24-16 Dr. Richard J. Mutty carried out an IME on Peter Wrobleski related to a NY employee’s payment insurance claim. These independent medical examinations are a need for damaged workers, and also this IME video has actually been shared in hopes that the information within serves to others in comparable conditions.

A lot more regarding IME listed below:

Unjustified Therapy: ‘Independent’ Medical Examinations & Employees Settlement in New York State

A Special Record prepared in 1998 by the New York City State AFL-CIO and also the New York City Committee for Occupational Security and Health and wellness. To learn more on the origin of this record:

Yearly around 500,000 job-related illnesses and also injuries are reported to the New York City State Employees’ Payment Board. Of these, a number of thousand claims for a job-related condition are tested by employees’ settlement insurance coverage providers for reasons that often oppose close medical analysis as well as frequently resist common sense.

With numerous bucks in revenue at stake, insurance policy carriers:

– difficulty legitimate work illness claims, which results in workers commonly failing to seek their situations or at some point opting for less than they are entitled to;
– the case that several workers are much less impaired compared to they are or that they are not handicapped in any way; and also
– increase problems contradicting employees’ insurance claims that their illnesses and also injuries are a result of the job.

As an effect, injured as well as sick workers are frequently forced into prolonged wrangling with insurance coverage companies in an attempt to obtain their claims established. Rather compared to the effort to utilize the workers’ settlement system, several workers utilize their very own wellness insurance coverage– if they have any kind of– to get required clinical treatment.

Just what is particularly unjust is the routine difficulty by insurance coverage providers of employees’ insurance claims for job-related condition and also frequent disputes over the level of employees’ impairments if have actually already been established. The challenges over work illness could often indicate, de facto, the cutting off or reducing of wage-replacement advantages and also clinical therapy prior to any type of hearing takes place.

In New York State, a pivotal factor for injured employees submitting workers’ settlement cases is the medical examination. When a worker is originally harmed or made sick at work, the employee informs the employer, sees a physician for diagnosis as well as treatment, as well as files a claim. Based upon the dealing with medical professional’s record, workers will certainly be entitled to get wage-replacement advantages as well as reimbursement for medical therapy for ailments as well as injuries associated with work.

When the insurance claim is submitted, the insurance coverage provider has the right to demand that the hurt worker sees a doctor selected by the insurance company. They are paid for by– and carried out on part of– insurance coverage firms, self-insured companies and also the State Insurance Fund, a quasi-state agency that gives workers’ payment insurance policy for roughly 40 percent of the state’s employers.

Rather than attempt to utilize the employees’ compensation system, many workers use their very own wellness insurance coverage– if they have any– to get required clinical therapy. In New York State, a critical factor for hurt workers submitting employees’ payment cases is the clinical analysis. When a worker is originally hurt or made sick at work, the employee informs the company, sees a medical professional for diagnosis and treatment, and also submits a case. When the claim is submitted, the insurance service provider has the right to require that the damaged employee see a medical professional chosen by the insurance coverage business. They are paid for by– as well as carried out on part of– insurance coverage firms, self-insured companies and also the State Insurance Policy Fund, a quasi-state agency that supplies workers’ settlement insurance for about 40 percent of the state’s companies.

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It’s no good if you deprive yourself of some other fancy if the money is gone in other minutiae …


As far as money is concerned, most people educate it by putting a special emphasis on saving. Being cautious and cautious will help the young adult to get a little earlier economic independence, or that small capital that allows you to access a credit to buy the desired first car or start a business venture as a freelancer; Hence the importance of teaching it from a young age. The culture of the’low-cost’, which in this neo-capitalist world is so in vogue, directly affects the positive idea with regard to saving: it is no longer the one that spends the most, but the one who gets access to the service that he was looking for At the most competitive price possible.

 And yet, despite saving the dominant culture, we must base having a relatively comfortable income serious difficulties to save part of the salary of the maelstrom consumption. Undoubtedly, the human creates his own needs and sometimes it is difficult to discern what is the fundamental of what is accessory and expendable. Small expenditures, or ‘ant spend’ as they have come to be labeled, that keep people from an economic tranquility that could be greater and that are easily avoidable.

The next three are the most common ant expenditures, which should be avoided in order to save more money:

1. Eating out


Eating out, yes. But by the system? No. Nobody wants to miss family or friendly meetings, and you do not have to do without them if you do not want to. But the days of work, or excursion to the beach, for example, preparing food at home before leaving is a huge saving, greater than you might think.

2. Transportation


The bad weather sometimes, the right time to go in others, or the comfort of traveling on your own in the thick of the occasions, make you resort to the car more than you should. Apart from the environmental impact, which is also important, the abusive use of private transport generates a large expense in household accounts. The high price of fuel, coupled with the maintenance costs, traffic taxes, insurance rate and parking meters, make the car into a sink by which the money goes continuously. If in addition, the use that is given to the car is mostly urban, with stops, traffic lights and pedestrian crossings that interrupt the march constantly, consumption increases. The solution:

It is also a good idea, if the opportunity is provided, to make a carpooling group with co-workers who live in the same area of the city. One week the car does not, another week the other. All will save money and make the morning trip more enjoyable to work.

3. Small expenses and impulsive purchases


A coffee in the bar in the morning to wake up; A magazine before getting on the bus to entertain in the trip; That shirt so cool that you did not need, but you did not resist buying it when you saw it in the shop window because it was very well priced; A refreshment later because it was very hot – although a few meters away was the fountain with fresh and healthier water; The cup- shaped movie character that is so fashionable and you’ve found it on the internet, even though they do not fit into the kitchen shelf anymore.

These are silly examples to illustrate a number of expenses in minutiae that day after day accumulate in the book of avoidable expenses. Individually, they suppose one, two, three euros, a few cents at times; But adding them all, the account grows.

A practical exercise that may come in handy to become aware of how bulky the bill for ‘bullshit’ can become is to begin to take note of all the expenses of this type that are made throughout the day in a notebook. You are likely to realize that, by trimming these purchases, you will save money that will suit you well for other purposes.

The ease of buying on the internet has only increased the difficulties of those of ‘quick flush’ when it comes to taking the hand to the wallet. Willpower, cold mind, controlling the momentum and considering if you really can not deprive yourself of the expense you are about to commit, are keys to spending so much.

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I couldn’t have written this unless I had walked down the path. You can’t give away something you don’t have. This blog is for all the people like me. The person who knows deep down inside that they are destined to do something great. The person who works in healthcare or already operates an assisted living facility. That person who wants to retire soon. This one is for you.

So what does that mean for you, the prospective facility operator? It means fortunes are being made right now! On any given block in any given community in any city in America, there are small 4-bed, 8-bed houses and, even apartment buildings that have been converted into residential facilities, and are bringing in its operators hundreds of thousands of dollars per year.
Average rates in states for residents differ but are commonly in between $1,700 and $6,000 and up PER MONTH depending on the level of care required. You need to get in now and capitalize on this need for residential placement for the disabled population in America. If you research as thoroughly as I have, you will see that nursing homes are going out of business left and right. At one point in time private corporations, which own most nursing homes, quietly raked in millions for shareholders all across the country. Now, nursing homes are closing down rapidly as local, state, and the federal government seek to cut costs by placing more people into residential facilities.
It just makes more sense. Whereas, in a nursing home a person may be billed $8,000 per month and might have one caregiver to take care of them and nine other residents, in a smaller, community-based facility that same level of care might cost just $6,500 per month and it may be one caregiver to only FOUR residents. Nursing homes are usually always running low on staff to keep costs down, which leads to poor service. You have a great opportunity to outmaneuver the larger corporations by providing what they can’t: A higher level of care.
I just witnessed the largest nursing home in Wisconsin close down last year! They were licensed for 473 beds. That meant several HUNDRED long-term care residents had to find adequate placement in a hurry. Do you think the providers in the area capitalized on this? You can bet they did and many are prospering today because of it.

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The trend has started and the foreseeable future is that more nursing homes will continue to close and when the smoke clears only the best will be standing, but from the ashes will rise a wave of community-based facilities to bridge the gap. It’s simple economics: Supply and demand. The demand for bed space will continue to rise due to a number of factors including the sad fact that in America we don’t take care of our bodies. So, statistically, most of us will end up needing help in our latter years. I wish you good health and I hope that you are practicing good eating habits and exercising regularly. As much as it depends on us as individuals, let’s commit to being in a position to serve others our entire lives, because, after all, that’s what we were made to do and that is what will bring us maximum satisfaction.

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