Monthly Archives: January 2018

Is Marriage Or Love Forever?


It is often said that courtship period is “falling in love” stage as marriage is “falling out of love” stage. There may be truth to that. Perhaps, love maybe forever, but life comes in the way.

That is just it. The days of courtship the emphasis is on each other. You long for each other. You want each other. But once you get married, often, it becomes a life. That is where love takes backseat as you focus on “life” together. Yes indeed, you may repeat “I love you” but over the time that is just routine or necessary ritual that you have got accustomed to.

How To Keep Love Alive?

Prior to marriage there is an anticipation that marriage ensures blissful butterflies and rainbows. Surely, that is an exaggeration, but you are likely to embark the brutal reality that life after marriage to be as hard as it really is. There may be many reasons why that might happen. But major contributing factor is that marriage is being part of a team and you must learn to work together. In nutshell, love is being together whereas marriage is working together. Who really likes work?

The current contract – ‘until death’ – might have worked when people didn’t live all that long; or when many women died in childbirth, freeing men to marry multiple times (which they did); and when men of means needed women to cook, clean and take care, and women needed men for financial security. Many long-term marriages are loveless and sexless, and sometimes full of anger and resentments. But if they make it until a spouse dies – success!

How To Keep Love Alive?

So, what will work, you ask.

Perhaps the concept of temporary marriage may be the way to go. American paleontologist E D Cope wrote in his book, The Marriage Problem (1888), that marriages should start with a five-year contract that either spouse could end or renew with a further 10- or 15-year contract and, if all still went well after that, a permanent contract.

In recent time the concept of “beta marriage” is floating around. In such a type of marriage, couples would commit to each other for a certain number of years after which they could renew or just walk out. Reportedly, 10 per cent of first marriages don’t even make it past five years, marriage contract with renewable clause maybe the way to go. Some say, it may be better than current divorce system.

How To Keep Love Alive?

The essence of being together is love and that is what gets lost in the marriage system as the “being together” is guaranteed. That is when the “falling” out of love stage sets in. It happens over the course of painful trials and tribulations. It happens as lies, disappointments, failures emerge in “marriage” life. In time, couples lose communication and intimacy only to discover that they are strangers leaving together.

Ironic as it may be, in marriage you may have signed up for working through anything. However, what you didn’t sign up for was working through anything without love.
Love needs to be powerful element in a relationship. You choose to love your partner. Since you chose to love, you chose to stay. True indeed that marriage is not easy. Giving yourself to someone is not easy. But when there is love for one another, life (marriage) is series of happenings.

How To Keep Love Alive?

Do You Want Credit Card Not Based On Credit Score?

Credit Card industry is going through changes. Those who have good credit have no problem getting cards. But what about those who have a poor credit history or just getting started?

Credit Card Pays You To Refer

There is help for them as there is credit card services are emerging. These services will identify candidates that would-be credit card holders even if they do not have good credit history. The acceptance is determined by the applicant’s actions rather than just their credit score.

Credit Card Pays You To Refer

The innovative but realistic approach of qualifying applicant based on the digital record it builds for its users. Rather than just looking at borrowing history, it looks at how much that user makes, spends or saves each month, and looks to offer them more differentiated products like lower interest rates on introductory products. The main goal here is to get people who should be able to responsibly manage a credit card based on their spending history.

Credit Card Pays You To Refer

It is heartening to note that finally credit card industry is taking steps in identifying potential customers without a credit history. It reflects that the credit score might not be the best indicator. The new approach is designed to identify potential applicants with their technology and thus eventually build up their big user base.

Credit Card Pays You To Refer

How To Spend Smarter?

Would you like to have money?

The obvious answer is YES. The real solution is to make more money than you spend. Interestingly, no matter how much you make, you will find ways to spend. That is where the problem is- you need to spend smarter.

It is best to address money issues quicker. Money is the number one cause of stress in the United States. Not surprisingly, money is the top reason for divorce. But money issues can be resolved, because most people make dumb money mistakes.

Dan Ariely, a professor of behavioral economics at Duke University, has a new book out that explains some of the problems we’re prone to when it comes to moolah and what we can do about them. The book is Dollars and Sense: How We Misthink Money and How to Spend Smarter. Few highlights are listed here.

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On Sale Signs Are The Devil

Simply do not pay attentions to “On Sale” signs. Most stores (online stores included) have high-markup price for each merchandise to begin with; so, when the merchandise is marked down, you are not necessarily getting a bargain. The marketing strategy of “on sale” is designed to simply dumb down your decision-making process. When an item is “on sale,” you are likely to act more quickly. Beware of comparisons with bonuses and specials.
So, focus ought to be on what the thing costs not how big a discount you are getting.

Extra Money Is Not Bonus

It is very common for you to get extra money by doing overtime at your work, getting bonus at work, or from winnings from casino, etc. You are likely to spend that money on unwanted stuff because that money is different. NO WAY, money is money.

People are likely to spend something like their salary on “responsible” things like paying bills, because it feels like “serious money.” On the other hand, money that feels fun—like $300 million in casino winnings—is likely to be spent on fun things, like more gambling.
Surprisingly, many people treat a tax refund as a “bonus” that they can have fun with. In reality, tax is not a “bonus” money, but it was your money to begin with. The government had taken an interest-free loan from you when you got your paycheck.

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This attitude is termed as “emotional accounting.” Rationally, a dollar is a dollar. But as rationality-challenged humans, we feel the source of the money affects how we should use it. Really?

Paying Cash Curtails Spending

Paying cash really hurts because it creates true awareness of spending within your thinking process. Believe it or not, marketing folks have figured out to reduce your pain, by letting you use credit cards. Through studies, marketing folks know that people are not only more willing to pay when they use credit cards, but they make larger purchases, leave larger tips, are more likely to underestimate or forget how much they spent, and make spending decisions more quickly.

All in all, your purchasing is made painless process. The credit cards, gift cards, casino chips and nearly all online shopping is a financial opiate and dramatically reduces the pain that keeps your bank account flush.

Become WiFi Millionaire

So whenever possible, use cash. You may feel the pain, but you will not be stressed later.

Here’s the easy way to save money as stated in the book:

  • “On Sale” signs are the devil: “Relative comparisons” mess with your head. Focus on the end price, not how good a “deal” it is.
  • It’s not a “bonus.” Money is money: How you got the cash should not affect how you spend it. Saying that “bonus” money doesn’t count feels good but being broke feels very bad.
  • Use cash more often: Make spending painful and you’ll spend less. (Using cash is simpler than having a friend punch you in the face whenever you whip out your credit card.)
  • “Fair” is a four-letter word: Focus on value. The plight of moral justice in the economic universe can wait until after the electrician gets your lights back on.
  • Try a “Ulysses Contract”: Send me the deed to your house. If you don’t have more money in your savings account two months from now, I keep the deed. See? Saving is easy.
  • Drop Anchor: The only way to not be influenced by prices is to influence yourself ahead of time with other prices.

Become WiFi Millionaire

You are limited when it comes to earning more money, but surely you are bombarded with many ways to not only spend what you earn now, but against your future earnings by means of debt to the credit card companies. Learn to monitor your money today, so you will not be ruined by the credit card companies.


It Is Clock- Not Calories -When It Comes To Diet



Talk about confusion when it comes to diet plan. The diet plans are all over when it comes to managing your weight. Is it dependent on how much calories you intake? Is dependent on shape of you body? Is it dependent on your ethnicity? Are you confused?

Now you need one more factor- calories do not matter but it is timing cycle that counts.
That’s the concept behind time-restricted feeding diet, or TRF diet, a strategy increasingly being studied by researchers as a tool for weight-loss, diabetes prevention and even longevity.

Get Healthy With The 2-Week Diet

Satchidananda Panda, a professor at Salk Institute for Biological Studies in San Diego, first tracked the effects of time-restricted feeding in mice. In 2015, he expanded his studies to include humans.

The findings, published in the journal Cell Metabolism, showed that when eight overweight people who naturally ate for 15-plus hours a day restricted their eating to a 10-hour window for 16 weeks, they lost 4% of their weight. A year later, they reported sticking to the plan, even though they didn’t have to, and had kept the weight off.

Get Healthy With The 2-Week Diet

In TRF diet, you can eat whatever you want and as much as you want—just not whenever you want. Daily food intake should be limited to a 12-hour window, and ideally cut down to eight to 10 hours. But you can pick the hours you want to eat.

Despite a lack of dietary restrictions, people following TRF diet end up consuming fewer calories and lose weight, according to studies and experts. Preliminary evidence also shows other health benefits of fasting for 12 hours or more, including lower blood pressure and improved glucose levels, and physiological changes linked to slowing the aging process.

Get Healthy With The 2-Week Diet

Dr. Panda is working on a new, larger clinical TRF trial of 150 firefighters. Funded by the U.S. Department of Homeland Security, the study is a collaboration with Pam Taub, a cardiologist and associate professor of medicine at the University of California San Diego Health System. Dr. Taub is also conducting a separate study in which UCSD patients with metabolic syndrome restrict eating to 10 hours a day. Preliminary data show weight loss and improved fasting glucose levels.

TRF diet is basically form of intermittent fasting. TRF diet focuses on when to eat rather than what to eat. Limiting the hours, you eat each day may help you consume fewer calories. It may also provide health benefits, including weight loss and improved heart health and blood sugar levels.

Get Healthy With The 2-Week Diet

An example of time-restricted eating is if you choose to eat all your food for the day in an 8-hour period, such as from 10 a.m. to 6 p.m. The remaining 16 hours each day are the fasting period, during which no calories are consumed. This same schedule would be repeated every day.

Most people eat from the time they wake up until the time they go to bed. Switching to TRF diet may cause you to eat less. However, it is possible some people may eat more in short duration of TRF diet. However, one study found that when healthy adult men limited their eating to about a 10-hour window, it reduced the number of calories they ate each day by about 20%.

Get Healthy With The 2-Week Diet