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Searchlights on Health: Light on Dark Corners – A Complete Sexual Science and a Guide to Purity and Physical – Manhood, Advice To Maiden, Wife, And Mother, Love, – Courtship, And Marriage

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Searchlights on Health: Light on Dark Corners - A Complete Sexual Science and a Guide to Purity and Physical - Manhood, Advice To Maiden, Wife, And Mother, Love, - Courtship, And Marriage is presented here in a high quality paperback edition. This popular classic work by B. G. (Benjamin Grant) Jefferis is in the English language, and may not include graphics or images from the original edition. If you enjoy the works of B. G. (Benjamin Grant) Jefferis then we highly recommend this publication fo

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All I Ever Did Was Love a Man

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Love Online Success for Women

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The Family CFO: The Couple’s Business Plan For Love and Money

By Mary Claire Allvine, C.F.P., and Christine Larson
Published by Rodale
January 2004; $23.95US/$34.95CAN; 1-57954-791-5

Why Is Money The Number One Cause Of Tension Among Modern Couples?

Because most haven’t recognized that they’re in business together. The Family CFO: The Couple’s Business Plan for Love and Money is the first book that teaches partners to apply skills and talents they already use at work to their money lives so that they can stop worrying about finances and put their emotional energy where it belongs — into making their many dreams come true.

At Some Point In Every Relationship, Money Becomes An Issue.

It often happens when couples first consider moving in together or getting married, or when they’re facing a major life decision such as buying a home or having children. Whether it happens sooner or later, though, finally taking control of your financial future is a huge step toward solidifying your relationship and realizing your shared dreams.

The Family CFO introduces couples to a personal-finance plan that turns managing your money into a romantic experience. By applying the tools and rules of the business world to minimize conflict and anxiety, you and your partner can focus on setting priorities and reaching goals instead of arguing over budgets. Then, after learning how to run the Family CFO system, you can work out personalized solutions to some of the biggest challenges couples face, including:

Wrestling control of debt
Maintaining your lifestyle if one of you loses your job
Deciding whether to change careers
Arranging for one of you to stay at home with the kids.

In plain language illustrated with real couples’ stories and supplemented with helpful worksheets, The Family CFO offers best family practices worthy of even the most accomplished chief financial officer. And as the authors well know and show, approaching your joint finances like a business can lead to a lifetime of shared pleasure.

Authors

Mary Claire Allvine, C.F.P., is a principal in the Chicago office of the prestigious financial planning firm Brownson, Rehmus & Foxworth Inc., where she advises high-net-worth families and senior corporate executives on investments, cash management, estate planning, charitable decisions, and tax management. She received her MBA from the University of Chicago. Frequently asked to speak, she has shared Family CFO concepts with groups nationwide.

Christine Larson has been writing for national magazines since graduating from Princeton University in 1990. Her work has appeared in the Wall Street Journal, Forbes FYI, Details, Cosmopolitan, Glamour, Parents, and numerous other publications. She writes frequently on business, personal finance, and careers, and has spoken and moderated panels at numerous business conferences. She also teaches writing at California State University, Sacramento.

For more information, please visit www.writtenvoices.com

Reviews

“As a math-phobic writer whose idea of retirement planning involves buying a lottery ticket, I wasn’t sure anything could help me work up the courage to talk to my MBA-holding, derivative-trading boyfriend about our financial future. But The Family CFO is the real deal. Full of common sense and wit, it’s a godsend for all of us who graduated from the never-talk-about-money school of personal finance.”

–Debra Pickett, Chicago Sun-Times

“What a service the authors are providing for couples! The Family CFO is a fun and valuable tool for those who want to take charge of their finances and reach their life goals.”

–Daisy Chan, Smart Money

“Even the savviest of business men and women argue about money when they get home. This book — based on the simple but brilliant premise that your family finances are a business — offers a clear process for removing emotion from money decisions. It’s easy to read, sensible to implement — and may save your relationship.”

–Betty Spence, president, National Association of Female Executives

“The Family CFO is the ultimate marital aid for any couple whose domestic bliss was ever threatened by financial worries.”

–Andrew Essex, executive editor, Details

“This book will bring the riches of clarity and organization to your family finances.”

–Carol Evans, president and CEO of Working Mother Media

Excerpt

The following is an excerpt from the book The Family CFO: The Couple’s Business Plan For Love and Money

by Mary Claire Allvine, C.F.P., and Christine Larson

Published by Rodale; January 2004; $23.95US/$34.95CAN; 1-57954-791-5

Copyright © 2004 Mary Claire Allvine and Christine Larson

12

Your R&D Efforts

“How Should We Plan For Retirement?”

When it comes to imagining our retirement, most of us are in uncharted territory. People in their twenties and thirties today will live longer than any generation in history. If they retire around age sixty-five they’ll need to keep supporting themselves for two or three more decades — longer than any other generation has ever gone without working.

Who decided we should retire at sixty-five anyway? The lawmakers who passed the Social Security Act, which allows people to collect Social Security benefits at that supposedly “golden” age, expected most people to die before age sixty. (The average life expectancy of someone born in 1935, the year the Social Security Act passed, was fifty-nine.) But by 2000 the average life expectancy was nearly seventy-seven — some twenty years longer.

The upshot is, retirement in twenty or thirty years will probably look very different than our traditional ideas of retirement. We may work longer, launch second (or third) careers later in life, reduce our expected standard of living, or make other changes in order to support ourselves after sixty-five. Along the way we should place ever more emphasis on saving and investing for retirement.

“OK,” you say. “We’re convinced. How much should we save for retirement?” We can’t tell you. Nobody can. The truth is, there’s no way to know for sure how much you’ll need or how much you should save each year. The future is simply too uncertain. It’s like the question of how much to save for college: you need to make so many assumptions about the future that all estimates are suspect. If you ask financial planners for a monthly or yearly savings target that will guarantee you a comfortable retirement, they will typically come up with a number so high you’ll never be able to save it.

But that doesn’t mean you can’t plan.

One way that companies prepare for an uncertain future is by investing in research and development (R&D). Pharmaceutical companies, for instance, are always searching for the next miracle drug. It’s a matter of survival: if they have a current blockbuster drug bringing in big profits, the patent on that drug will eventually expire. They’ll need to find and develop another product to keep their revenues up. R&D is a risky endeavor that might not produce the desired rewards — but it’s riskier to not invest at all. By the time drug companies reach the date when their patent expires, their R&D efforts have typically yielded one of four results: success, partial success, a delay of the goal, or missing the goal.

Families approaching retirement find themselves in the same four situations. Some have saved enough to remain financially stable for the rest of their lives, but many fall into the “partial success” category and are forced to dramatically lower their spending once they retire. Meanwhile, many families end up postponing retirement for a few years, or even indefinitely. You can boost your chances of retiring successfully by making savings a priority. You might not save up as much as you’d like, but you’ll be a lot better off than if you didn’t save at all.

Get Real: The Family CFO Retirement Plan

The real question when it comes to retirement savings isn’t “How much should we save?” it’s “How much can we save?” It’s impossible to estimate accurately what you’ll need in retirement and how much to save monthly in order to have that cash. But you can try to align your savings with your priorities (saving more if retirement is a higher priority, less if it’s a lower one). And you can make smart decisions about how to make the most of that savings.

When companies decide how much to put into R&D, they figure out what they can spend without compromising more immediate goals. But they don’t just throw money into research. They try to hire the smartest scientists and fund several different directions of research, knowing they won’t all pay off.

Similarly, the couples we spoke with who saved most successfully for retirement tried to invest as much as they could as strategically as they could using tax-advantaged savings plans. They also spread their investments around, putting their money into different types of investments — some conservative, some risky. We looked at what successful couples did and boiled their experiences into four simple steps.

1. Maximize your tax-advantaged retirement accounts.

Put as much as you’re legally allowed into all the tax-smart savings plans you qualify for. Historically those plans have included 401Ks, IRAs, and Roth IRAs, plus plans for self-employed people, government workers, nonprofit employees, etc. But tax laws change every year and so do the tax-advantaged alternatives that might be available to you. Check with your employer and your tax planner (or visit the IRS Web site at www.irs.gov) to learn which retirement plans you qualify for. Find out:

Which accounts are available to you through your work and as an individual.
What tax advantages they offer (see chapter 5 for a refresher).
How much you can contribute.
Whether your employer matches part of your contribution.

If you’re not maxing out now, make it your goal to increase your savings gradually until you’re putting as much money as you’re allowed into all the tax-advantaged plans you qualify for; see Strategies for Maxing Out on pages 202 and 203. Contribute as much as you’re allowed to before investing in other retirement vehicles, particularly if your employer matches a percentage of the money you put into retirement. If you forgo a match, you’re walking away from free money!

Note: If you think you’re already contributing the maximum amount allowed by law to your retirement plan, think again — there’s a good chance you’re wrong. In 2003, 47 percent of workers thought they were contributing the legally allowable maximum to their accounts, but only 11 percent actually were, according to a study by Cigna Retirement and Investment Services. So check with your employer as soon as possible to make sure you’re right.

2. After you’ve maxed out tax-smart plans, make additional investments.

If and only if you’ve fully funded your tax-advantaged retirement accounts then consider other retirement investments. If you are ready for more investments, go to chapter 5 and review the questions to ask for long-term investments. Remember to match risk with your time frame.

3. Spread your investment into different “risk buckets.”

Companies need to pursue a variety of R&D projects because some will pay off and others won’t. Similarly, your retirement funds should be diversified — that is, invested in a variety of different “buckets” with different degrees of risk. Set goals for how much of your savings you want to go into low-risk, medium-risk, and high-risk buckets. Typical buckets include cash/money market funds for low risk, bonds/bond funds for medium risk, and stocks/stock funds for high risk. To determine how to distribute your investments between conservative and risky buckets, refer back to chapter 5 and read up on risk and investment vehicles. Your retirement plan advisor or broker might offer recommendations about the right mix of investments for you — but be sure your personal priorities and goals drive the recommendation.

Don’t fall into the “I have lots of accounts so I must be diversified” trap. Diversification doesn’t mean “buy more.” It means “hold more than one type of asset, with different types of risks.” If you own mutual funds with two different companies but they both invest primarily in large-company stocks, that second fund doesn’t add much diversity to your portfolio — those two funds will probably perform similarly. Make sure you understand what you own and how its risks and potential returns differ from your other assets.

Diversification is a two-tier process: first, you want different kinds of assets (cash, bonds, stocks, real estate); then, within the riskier assets like stocks, you want multiple assets. In real estate you’d be better off investing in multiple properties than owning just one beach home. Equity mutual funds, or stock funds, which own many stocks, are more diverse than individual stocks. If you have more than one equity mutual fund, you want funds that invest in different kinds of stock (large company stock, small company stock, foreign stock, etc.). Some mutual funds own diverse assets: balanced mutual funds, for example, own both stocks and bonds, providing you a more diverse portfolio, although one that may not appreciate as aggressively as a stock-only fund.

4. Monitor your progress.

At least once a quarter the Investment Manager should assess all retirement investments to make sure they’re performing as they should. Also, make sure your savings are divided into the risk buckets you’ve targeted in Step Three: If you want 50 percent of your retirement investment in a large-company index fund, 25 percent in small-company funds, and 25 percent in bonds, for example, make sure your investments are still in the right proportions. If your investments are off target, move them back toward those targets or “rebalance” your portfolio.

Reprinted from: The Family CFO: The Couple’s Business Plan for Love and Money by Mary Claire Allvine, C.F.P., and Christine Larson © 2004 by Mary Claire Allvine and Christine Larson. Permission granted by Rodale, Inc., Emmaus, PA 18098. Available wherever books are sold or directly from the publisher by calling (800) 848-4735 or visit their website at www.rodalestore.com.

For more information, please visit www.writtenvoices.com

Tags: Business, Couples, Family, Love, Money, Plan

How To Find Love In Your Life

Everyone wants to love and be loved. Love is not always easy, but the opposite is loneliness, which is downright miserable at times. Anyone can increase the amount of love in their lives, even if they don’t find a special person to marry. Love comes in other forms that can be almost as satisfying as a good marriage. And keep in mind that even loneliness beats being locked into a miserable marriage situation! So, how can you find love in your life?

Love is not primarily something you will get, but something you must give. If you are looking to get love first without giving it, you are likely to be disappointed. It is by giving first that you will increase the love in your heart. If you make a practice of loving others, you will probably wake one day and find that you are greatly loved in return.

If you started reading this article because you’re looking for that special love of your life, don’t stop reading. It’s the same in romance, too. It all starts with a giving heart. The man or woman who will be treasured by their spouse some day is the one who has that other person’s comfort, happiness, and well-being first and foremost in their mind at all times. Selfishness is the direct opposite of love, and being selfish cannot help but render a person virtually unlovable.

So the first step in finding love is to be selfless. This does not come naturally to any of us. Especially in matters of romantic love, we want our desires to be fulfilled. But think about the golden rule for a moment. What do we want? Do we want our loved one to simply use us to meet their needs without considering ours? Of course not. It is dehumanizing to be used for someone else’s purposes with no thought to our own needs.

You can start now to become a selfless person who will be loved by many. Find an outlet for your compassionate side. Do you love animals? Take in a pet from the animal shelter. Do you like children? Teach a Sunday school class or help coach a little league team. During these activities you will have to give of yourself, and you might just run across that special new person in your life, too. One thing’s for sure, and that is if you stay cooped up at home feeling sorry for yourself, you won’t meet anyone!

Branch out and give of yourself. When you do find that special person you’d like to get to know better, don’t rush them when dating. Treat them like royalty. But be honest. Don’t try so hard to win their affections that you become a phony. If you do, you will never be able to keep up the act after you win them. The result will be disappointment for both you and your friend. Honesty, giving, and being part of life are all ways that you can find love in your life.

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Love and Dating Tips for Single Moms – Can You Really Do It?

As a single mom, you may be looking for dating tips because you’d like to enter the dating scene and find love, but you might not be sure about it.

You might ask yourself if it’s right as a mother to date, or even if you think it is fine, can you have any good success with it and find a great man?

OK, let’s discuss these questions one by one…

Question #1: Is this really right for a single mom to date?

The short answer is: Yes, absolutely!

It’s true that you are a mother and have responsibilities for your kids. But you are still a woman with a heart that wants to “love” and “feel loved”.

So why not go for what your heart desires and deserves?

Yes, there are some people who still seem to have problem accepting and respecting single mothers who date. They might tell you it’s selfish or ask “what about your children?”

But being a mother doesn’t have any conflicts with going out there, having fun, and meeting new men. Single moms CAN date, kiss, and even have sex.

So don’t pay attention to what other people might think. You know how much you love your kids and what a great mother you are.

Question #2: Is it really possible for you to have success with dating?

Can single mothers have any good success with dating, finding a great man and building a great relationship?

Again, the answer is, absolutely yes!

There are just some things that you need to learn first…

First of all, it’s necessary that you find out who you are and what you want out of your life. Find your inner goals and dreams and make a plan to go for them.

Then, not only you will become more happy and fulfilled in your life, but you will also attract much better men who have a great personality and know what they want in their life too.

Another important tip to increase your success in the dating scene, is to educate yourself about dating tips. For example, here you can learn learn 5 important dating tips for single moms.

You can also search for general “dating tips” in Google because when it comes to love and dating, it’s a universal art and the rules are almost the same for all ages and people.

For example, it’s important that you learn how to have a successful first date by asking the right first date questions.

Because your first date can really make or break your relationship, so it’s important that you have a good conversation by asking the right and smart questions.

Also questions will help you learn that person better and decide if he is the kind of person you want.

Wish you much success with your dates!

About the Author:

Ladan Lashkari is giving away a FREE collection of powerful dating tips and articles that will help you win more dates and become highly successful in your relationships. To grab your copy of these tips, drop by http://www.LovePoemsWorld.com while they are still available.

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