Category Archives: SEX & LIFE

Relationships 101: Couples That Invest Together Last

Relationships 101: Couples That Invest Together Last

The money talk between couples is sensitive and should be approached carefully; it can make or break a relationship. Dealing with finances before marriage can be easy, but when a partner comes into the picture, some changes will need to take place for you to manage certain investments. After being married for some years, both of you will probably have figured out which credit accounts and expenses to share and those that should remain separate.

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When it comes to long-term, bigger-picture finance plans for the future, making decisions can be challenging. Some strategies can work well for each individual but become a whole different approach when you are together. Below are a few investment tips that you and your spouse can utilize.

Keep aside savings for retirement

As you start saving for your retirement, talk, and decide on issues concerning retirement with your spouse. They include when you would like to retire, where to travel, where to live, and if you will need to start a business so that you can be on the same page. The recommended amount of investment is 15% of your total income once you clear your debt and have a fully backed emergency fund.

Weigh different investment options

Make use of accounts like a Roth IRA and your work 401(k) that offer various tax advantages. While you can combine finances and open joint bank accounts once you’re married, you can’t open a joint IRA or 401(k); they are only for individuals. Currently, taxable joined investment accounts are available. However, only invest in them once you max out tax-advantaged accounts.

If you have a spouse that stays at home while you work, you can still save with a spousal IRA. They have the same income and contribution limits as other IRAs, but to save with it, you must file a joint tax return.

Choose an ideal healthcare plan

Health insurance is one of the most expensive household expenses. If you both have access to health insurance provided at your workplace, you can decide whether to double up under one spouse or have individual plans. You can move the entire household into a family plan or cover your children under one parent. Where one partner has strong coverage in areas like vision, and dental plans, consider the size of out-of-pocket and deductible maximums.

Consider how often you and your household seek treatment, and look for benefits in healthcare niches such as mental health care, special needs therapies, and fertility treatments. Also, include your preferred doctors in your plan.

Get life insurance to protect your loved ones

If you have a family that depends on you, life insurance will protect them in case anything happens to you. As much as you are saving for retirement, life insurance will give you and your family some peace of mind. You can both get a policy of about 15 to 20 years, worth ten to twelve times your yearly income. Once your life insurance term is over, you will be self-insured with your retirement savings.

Plan before Investing in a family home

Purchasing a home is one of the crucial steps you and your spouse will take. Before you start going over real-estate websites and organizing a list of things you’d like for your house, ask yourself the following questions.

  • Why purchase a house now? Consider if you need to buy one because you need a bigger home for your family if you want to stop renting, move to a better neighborhood, or if new constructions are coming up that you would like to invest in.
  • How much can you afford? Agree on a budget that is affordable to avoid future disagreements over excess budget costs. Visit MortgageCalculator.Org to estimate your monthly payments and figure out the amount you can qualify for.
  • How is your credit score? Request for both of your credit reports and go over them carefully. If there are any errors, you can have them fixed on time to avoid delay in mortgage approval for your dream home.

Hire an investment professional

To achieve your investment goals, hire a professional who will guide you. Poor investment decisions can cause major setbacks, financial mistakes, frustration, and tension between couples. Professionals will analyze your investment options and see you through all the processes making your work easy and more successful.

Bottom Line

To create lasting fulfillment in life and love, you need to discuss as a couple your investment options to secure your future. Save for retirement, understand the available investment options, and choose those that are favorable. Also, get life insurance, choose an ideal healthcare plan for you and your family, plan for your dream home, and hire a professional to guide you.

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Can A Marriage Ever Be The Same After It Gets Personal?

Can A Marriage Ever Be The Same After It Gets Personal?

Marriages are supposed to be rock solid, at least in principle. The two people involved have to be able to throw verbal shots at each other and in the end, it’s all just in fun or positive critique. This is for things like, when your spouse is getting a little overweight and you have to say something otherwise you won’t be attractive to them anymore. It’s the same for when you are acting like a jerk at a party, and your spouse needs to remind you to behave. Things like this should always fall into the realm of ‘safe’ critique. But when things get personal, this can lead to the end of the road. 

When your work is mocked

Perhaps more so for women in the modern age than men, when your job or profession is mocked by your spouse, it can tear a rift between you. Women and men are very sensitive about their work, and the only kind of words they want from their wife or husband are supportive. When your spouse starts to mock your working hours, how dedicated you are, how much time you spend doing work at home, this can lead to big differences.

Imagine being so passionate about something that you dedicate your life to it, and then, your wife starts to make it seem like what you do is unimportant. Or how about when you have gotten a big promotion that you have dreamed of, and your husband says ‘you love your job more than the marriage’? This is something that cannot be taken any other way, other than personal. Don’t do this if you want to have a nice marriage!

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When violence is involved

This next one is pretty easy to understand, yet difficult to pick up when it’s you in the middle. It’s normal to sort of hit each other, but in a playful or nonchalant want. When your husband just won’t pick his feet up so you can vacuum under the table, then you can give him a little pinch on his feet or leg. That’s normal. But, when you are pinched really hard for not doing something they wanted, such as at parties or while out in public. This is abuse.

When it gets worse and you are being punched, kicked, scratched or otherwise, then you should consider calling Divorce Lawyers. They will build up a case of the pressure you have been under and make any family court judge consider you when it comes to child custody. If you want to consider child support, then call up the lawyers and ask them what they could do for you. 

Constant nitpicking

When your partner is constantly dragging you down on your appearance, this is either something you should take for a complaint, or something personal. It depends on how many times they do this. If you know you’re overweight, then consider losing weight. But when you are doing great, keeping fit and taking care of yourself but they are still nitpicking, this is something that is personal and beyond what a lover should do.

Marriage is never something to be taken for granted and when things get personal, it can often spell the end. So avoid doing these things, or spot them when they are happening to you.

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Can Your Marriage Recover From An Affair?

Can Your Marriage Recover From An Affair?

Marriage is hard, plain and simple. Even couples who are very much in love struggle to grapple with the longevity of their relationship, even when on the outside they appear incandescently happy all the time. Unhappiness comes and goes in marriages, even happy ones – the key is how we deal with these waves of discontent. In some marriage or long term partnerships, people deal with their unhappiness by having affairs. No matter what the issue, we can all agree that cheating is a big mistake. Yet according to the American Association for Marriage and Family Therapy, 15% of women and 25% of men in marriages have had affairs. So what’s the solution? Can a marriage recover from an affair, or is it game over?

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Taking On The Problems

The answer to this lies purely in the couple’s ability to tackle their issues head-on. When infidelity occurs, on either side or even sometimes on both sides, the heartbreak can feel too raw and too much of a betrayal to continue with the relationship. Hence, couples split up over affairs. However, there is a chance that as a couple, you can emerge from this painful point in your marriage as stronger and more unified than ever. The way you must do this is by tackling your problems head-on. If you decide to stay in the marriage and work on things, there is a danger of letting yourselves slip back into old patterns – the patterns which created the environment in which the affair happened. Changing the fabric of your relationship is the only solution. 

Laying It All Out On The Table

When a major breach of trust has occurred, nothing is off the table. It’s time to get all your feelings out in the open. Only after the truth is out can you begin to heal as a couple. This can be a very vulnerable process which hurts a lot. Here are a few ways to deal with this healthily. 

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  1. Couple therapy. It is highly advisable that you see a couples therapist when trying to heal from an affair. This is because therapists are skilled mediators; they can help you to communicate with each other in a structured space. This means that all the emotions that will pour out can be taken in properly, and used to fortify your relationship, rather than further break it down. Affair recovery for couples is a long, hard road, but with a mediator, things are easier. 
  2. Spending time alone. Even if you decide to stay together, it is helpful for your personal recuperation to spend more time apart than usual. This helps you clear your head and understand what it is you truly feel, and what you want. 
  3. Writing things down. If you are struggling to articulate what you feel, write a letter to your spouse. Let all your feelings pour onto the page; this is very cathartic and can help you express your true feelings. 

In conclusion: marriages can recover from affairs with careful guidance and commitment to changing how your relationship operates. There is still hope!

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

The Luxurious Lifestyle Can Be More Affordable Than You Think

The Luxurious Lifestyle Can Be More Affordable Than You Think

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We all dream about living the good life. For most of us, though, the financial elements make it seem out of reach. The good news, however, is that you can enjoy life’s luxuries without being a millionaire.

As long as the right plans are in place, living the champagne lifestyle on a prosecco budget will no longer be a bad thing. Here are the key focal points for guaranteed success.

Buying The Luxury Home

A super stylish and modern home is the ultimate luxury. Building your dream property from scratch is an idea that takes those vibes to whole new levels. It can be a lot cheaper than you think too. Look for a fixed price home building contract to ensure that you understand the full financial picture. If you need to keep costs down, it’s always possible to use a blueprint that incorporates room for future extensions. Perhaps to satisfy your long-term goal of starting a family. Another option is to buy a fixer-upper on the cheap before renovating in style.

Make Vacations Cheaper

An Instagram feed packed with snaps from vacations instantly evokes feelings of envy. Trips don’t have to be expensive. Visiting exotic locations out of season can make a huge impact on the costs. Moreover, holiday rental properties can save you a lot of money on accommodation. Adventure holidays facilitated by driving a motorhome or RV can work wonders too. The vehicle will require an initial outlay but can become a fantastic investment over the years. Besides, you can’t put a price on the magical memories.

Take Care Of Your Health & Beauty

Attractive people lead better lifestyles whether we like it or not. Taking control of your fitness and beauty rituals will provide a foundation for success. Similarly, understanding your fashion choices and hairstyles can unlock a far better appearance. In turn, people will think you have your life under control and may assume that you are financially well off. It’s a weird sensation, but the human mind works in mysterious ways. Better still, looking and feeling better will unlock a far happier future.

Create Luxury With Side Hustles

A side hustle can improve your financial situation, which can aid your financial health. Meanwhile, you can use this as a way to do something luxurious. Manufacturing or sourcing exclusive goods may be your ticket to meeting famous people. Likewise, becoming an events manager or media person can achieve similar goals. Leading a luxurious lifestyle can mean experiencing things that other people do not get to do. This is the perfect example and could potentially open the door to quitting your main job too.

Stop The Need To Own

Society leads us to think that ownership is everything. However, there are many situations in which rentals and hire agreements are better. They allow your money to work harder in the short-term and save the financial issues linked to depreciation. Car leasing is probably the best example. Not least because you’ll want to change vehicles every few years to maintain the sense of luxury. However, there are many other situations that deserve this approach too.

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feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

Who Is Impacted By Your Divorce?

Who Is Impacted By Your Divorce?

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Divorce is becoming increasingly common in modern society. No matter how you feel about this sort of process, it’s likely that this trend will continue into the future. Going through a divorce is often looked at an experience shared by two people, though it will usually impact far more people than just you and your ex-partner. It’s always worth thinking about the way this decision could affect those you care about, ensuring that you have the opportunity to minimize the problems this could cause.

Your Kids

Parents with children always have to think about how a divorce could impact their little ones. Kids won’t want you to go through this, and it will be very difficult to explain why it’s happening. It’s worth being honest with them as much as you can, without saying anything negative about their other parent. The effects of divorce on children can be quite severe, lasting long into their future. Working hard to have a civil and argument-free divorce is the best approach to take when you have children in the middle of this.

Your Family

Parents, siblings, and other close family members will also be impacted by the divorce you go through. It’s common for people to build good relationships with their in-laws, despite the impressive that television gives. This can make it a little awkward for people to talk about the divorce, while also creating potential tension in the future if family members want to maintain their friendship with your ex. This doesn’t have to be horrible if you are open to being friends with your old partner.

Your Friends

Couples always end up sharing friends, and this is a nice process that builds lasting circles. When you decide to go through a divorce, though, it can make it difficult for those who see themselves as good friends to both you and your partner. You should avoid saying negative things about your partner around people like this as much as you can, while also working to avoid awkwardness if you ever find yourself invited to the same events.

You

While it may seem obvious, many people fail to think about themselves properly when they decide to go through a divorce. You have to make sure that you’re ready to go out into the world on your own again, planning for the new life you will be leading. There will be challenges to face, but you can usually make the process much easier for yourself and your ex-partner by working to have a smooth divorce. 

With all of this in mind, you should be feeling ready to take on the challenge of minimize the impact your divorce has on the people around you. A lot of people struggle with this sort of process, finding it hard to know what action to take at each stage. Of course, though, you know the people you care about, and this should be a great tool when you’re trying to avoid hurting them.

Tia, and TipsfromTia.com  is trying to keep you looking good and
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What To Do With The Car When Making Your Move

What To Do With The Car When Making Your Move

Effective planning is essential for any move but a lot of people tend to forget that it’s not just the possessions in the home that you have to deal with, it’s also your car. For long-distance moves, the question of what to do with your vehicle can be a tough one, indeed. However, here we’re going to look at your options, the pros and cons of each, and how to find which one is right for you in the end.

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Driving it yourself

You can always decide to drive your car yourself and, indeed, it might be the option that most people think they would prefer, at first. However, if you have two or more cars, you might have trouble finding someone willing to make that drive for you. You also need to consider the costs of making the trip. Not only do you have fuel to pay for, but such long journeys are going to take a lot out of the car, meaning you might have to pay for things like oil changes and brake pads much sooner than you would otherwise. The amount of time spent driving is important, too, you have to ensure you drive safely and if you haven’t done long-distance driving before, it can be hard to guarantee that to yourself.

Have someone take it for you

Perhaps one of the most reliable options of all, if you’re not planning on traveling in the car yourself, it’s usually more cost-effective and a lot safer for the vehicle itself if you simply have someone transport it for you. When you work with businesses like carsrelo.com, you’re usually splitting the overall costs of the transport with the other cars that are being relocated at the same time. What’s more, the trip isn’t going to cause any more wear and tear to the car itself, since it’s secured in place, not actually running on the road. If you can keep on top of the organization alongside the other aspects of planning your move, relocation might be a good idea.

Sell it and buy a new one

This option is the one that’s likely to get chosen least of all because it’s only really a good idea for those who fit a specific set of circumstances. If your move is especially long-distance, taking you from one side of the country to the other or even to another country, then it might be a good idea to sell it, since transporting it can be much more of a hassle than simply buying a new one. With websites like agnewcars.com, it’s easier than ever to get a quick sale of your car, even if you aren’t always going to get the best possible deal for it. Then you can buy a new car when you land on the other side.

For such an expensive and important asset as your car, you want to ensure that you get your plans together as soon as possible. Hopefully, outlining the options above does help you get a better idea of what to do, but the final decision is yours.

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Transforming Your Financial Health In Just 5 Easy Steps

Transforming Your Financial Health In Just 5 Easy Steps

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Want to improve your financial health? Of course you do, and it can be a lot easier than you probably imagine. As long as you know how…

Here are five easy steps that can generate significant upgrades to your immediate and long-term financial health. Here’s everything you need to know.

#1. Stop Hoarding

First and foremost, you should learn to appreciate the fact that you’ve probably got money sitting around the home. Check out the going rate junk cars fetch, and you’ll think twice about the vehicle sat in your front yard. Likewise, old electronics, clothes, and furniture are all worth money. It’s not uncommon for households to be sitting on a four-figure sum in unused goods. So, if you’re looking for a quick and easy way to generate extra funds, this is the perfect solution. 

#2. Focus On Home Savings

As far as ongoing savings are concerned, your home holds the key to success. Whether it’s saving money on appliances or learning to repair furniture rather than replace it is up to you. Either way, the savings that can be made around property are very significant. Even monthly savings made from changing subscription services can soon add up over the course of a year. While this has always been the best place for implementing change, we now spent more time at home than ever before. Embrace it.

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#3. Invest In Your Credit Score

Financial health isn’t solely about the money sitting in your account. Long-term stability is an equally essential feature, which is why your credit history is so vital. A healthier credit score will unlock new borrowing opportunities and better interest rates. You can check your free annual credit report to gain valuable insight. Use the insight to build a better credit score over the months to come. When you do, the benefits will be clear, even when you do not need to borrow. If nothing else, it brings peace of mind.

#4. Grow Your Retirement Savings

Sticking money in a 401(K) is great. When retirement arrives, though, you’ll probably require a much bigger pot of money. Therefore, investing some money in a diverse portfolio of stocks, crypto, and commodities will serve you well. You only need some of the investments to pay off for a long-term reward. For some investors, the best option is to build a property portfolio. Not least because you can leverage success from borrow money. Either way, though, securing your future is vital.

#5. Learn To Say No

Bad habits are costing you dearly. While there’s nothing wrong with enjoying life, a little responsibility goes a long way. Learning to say no to lending friends money could make a huge difference. Likewise, quitting bad habits that do not actually enhance your life will improve your health and wealth. Sometimes in life, avoiding negatives is as important as investing in positives. Financial habits are among the clearest examples. Now is the time to make it happen.

Give it a few months, and you’ll see big changes.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

What To Do If You Suspect You’re Being Cheated On

What To Do If You Suspect You’re Being Cheated On

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Nobody wants to be in a position where you think you’re being cheated on. It’s horrible because you feel like you’re paranoid, but all of the signs are there. Your partner spends hours away from you with no contact whatsoever – not even a message. They seem very panicked and twitchy when you walk by them, and they’re on their phone. No doubt you’ve seen many quick closes of WhatsApp or Snapchat when you’re around them!

None of the signs are good, so what do you do when you suspect you’re being cheated on? Realistically, there are only a handful of things you can do:

Ask your friends for advice

Speak to your friends and ask them if they think you’re being crazy or not. They may see all of your evidence and suggest that you have a genuine thing to worry about. As a result, they might help you uncover the truth behind all of the lies. Perhaps they will try to follow your partner when they go out, seeing where they go. Or, they could talk directly to your partner to see how they feel about your relationship. This works best when you have mutual friends that both of you talk to a lot. At the very least, your friends can provide support if you need it. 

Consider taking more drastic measures

The problem with this situation is that you may have to take some slightly unethical measures. Well, they’re only unethical if your suspicions are incorrect. You could hire a private investigator or a Snapchat hacker to get to the bottom of things and look in on what your partner is doing. This will help you see things that you’d otherwise be unable to see. If anything, ideas like this will guarantee that you find the truth. It’s a terrible situation because if everything checks out and they weren’t cheating, you feel awful. Do you have to tell your partner what you’ve done? You could argue that their dodgy behaviour warranted this, but it’s a tough debate to have with yourself. Regardless, you should only jump to this step if you are very confident that something is going on, and you need proof before making a confrontation. 

Speak to your partner

Ultimately, this is the best thing you can do. Okay, it’s not the best, but it’s a step you can’t avoid. You must confront your partner with your suspicions and lay all of the evidence before them. This way, you can show them why you’ve been suspicious. Even if you’re wrong, the evidence you present should be enough to make them understand why you thought this way. As such, they can’t be annoyed at you if they haven’t done anything wrong. Sadly, in situations like this, your intuition is normally correct, and they have been unfaithful. 
Like I said, this is a part of a relationship nobody wants to go through. Cheating is wrong on so many levels, and there are various reasons people do it. Don’t jump to conclusions; spend time monitoring your partner’s behaviour and collecting evidence before you confront them. Then, it’s up to you to decide what happens next.

Tia, and TipsfromTia.com  is trying to keep you looking good and
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Shape Up

Shape Up

It’s about time body-shamers have been knocked off their soapboxes. We are all beautiful, no matter our shape or size. As long as we are getting a clean bill of health from the doctor and feeling our best, no one has the right to tell us how we should look. It’s all about embracing ourselves: Mind, Spirit and Body.

The Mind

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Keeping a clear, level head is important. Stress levels are at an all-time high, wreaking havoc on our health. When the mind gets stressed through work, what is happening in the world or even as simple as driving during rush hour, it can cause serious, major damage to the heart and the brain. So, try reducing the stress in positive ways. Take a long bath, take a calm drive to see the ocean, throw on a Shapellx waist trainer and do some exercises… But remember, it all starts with telling the mind, ‘We’re not going to stress over this, right now’. Stop seeking out a problem or a battle and try to start looking for the silver lining in every situation.

The Spirit

Most people go straight to religion. But spirit is so much more than that. Your spirit is what other people see when you have drive, passion, love… Some folks call it your aura, others may say it’s your overall presence. The fact is, you will believe what you believe. But remember to nourish your spirit with happy stories, donating your time to others in need and simply being the miracle that this world needs. And don’t forget to take some quality time for yourself. Slip on a thong shapewear bodysuit under your favorite, fitted dress and treat yourself to a fancy dinner or take a spa day to rejuvenate your soul. All of these things have been known to help relieve stress and cause remission for certain aliments.

The Body

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You were given a certain body type. Embrace what your momma gave you! When it comes to curves, sure, we all want the right ones in the right places. Shapers can help achieve the results we want when workouts aren’t giving us the results as fast as we would like them to. A waist shaper for women has been known to help make those sexy curves more permanent when working out with a shaper on. Just remember to be good to your body. Believe it or not, it’s important what you put in it as well as put on your body to achieve overall incredible health.

Overloading yourself with good vibes and positive actions can save your life. It might sound exaggerated or impossible, but the proof is out there. There have been studies proving that a majority of people who live less stressed and more generous with their time, understanding and compassion tend to live longer healthier lives. Why not give it a try?

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

3 Simple Ways To Boost Your Sex Life

3 Simple Ways To Boost Your Sex Life

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Do you feel like your sex life is a bit meh? You could be in a long-term relationship, and things aren’t what they used to be in the bedroom. The spark hasn’t just gone out; it’s completely non-existent. It’s not that you aren’t sexually attracted to one another, it’s just that something feels like it’s missing. You need to spice up your sex life and rejuvenate your relationship. By the time you’ve finished reading this article, you’ll be all over each other once more!

Get confident being naked

It’s true for many people that your confidence evaporates as you get a bit older. You used to feel great naked, but now everything has dropped an inch or two, and you’ve put on a bit of weight. So, it’s time to get back your mojo and feel good naked. 

The easy way to do this is to identify your main issues. Do you feel self-conscious because your boobs are sagging? If so, you could always consider plastic surgery to make them perkier. There are many plastic surgery pros and cons, but the main advantage is that it massively boosts your confidence and mental wellbeing. If some added weight is your problem, think about following an exercise plan and getting fit. Deal with your issues, and you will feel way more confident with nothing on. This translates to a much more lively sex life!

Introduce some new ideas

If things feel stale, then mix them up a bit. Try new things and implement new ideas in the bedroom. You can get as crazy as you like, just be sure that both of you are comfortable. It adds some spice to proceedings as you’re not used to these new things. It brings back some of the excitement you used to feel!

You don’t have to go too crazy with your ideas; even some relatively mild introductions will do the trick. For example, maybe move things out of the bedroom and into the living room or kitchen. A change of scenery can really get the fires burning!

Try some role-play

You could include this in the previous point, but I think it deserves some solo attention. Role-playing is an excellent way of spicing up your sex life. Part of the reason that things have become so dull is that you’re too used to one another. There are no surprises anymore – things are always the same. 

With role-playing, you can pretend to be different people. Make up your own stories and turn it into a proper game. It can be really funny and help you feel detached from your own personas. This makes things a bit more thrilling and adds a touch of spice to the bedroom. 

To be honest, all of these ideas can apply to anybody in any stage of their relationships. Even if you’re single, and your sex life is a bit dull, try implementing these ideas. Relationships don’t depend on sex, but it is a big part of what makes your relationship unique. Otherwise, you’re just two close friends that spend a lot of time together.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.