White Vevey Multistones Swiss Legend Watch On Sale 35% off

Swiss Watches is giving away a $100 Gift Certificate weekly that can be applied to a Switch Legend Purchase. Enter as many times as you like!

Current Promotions:

Free UPS 2-Day Shipping from Swiss Legend

Win A Watch from Swiss Legend

For over a quarter century the makers of Swiss Legend have brought your customers timeless, contemporary designs that provide enduring elegance and expression to your customer's unique lifestyle.

Our watches have been featured on Spike TV and in Star Magazine among others.

Keeping in line with the proud heritage of Swiss Legend, absolute satisfaction as a Swiss Legend customer is paramount. Every unused Swiss Legend Watch can be returned for a 100% refund or exchanged for any reason within 30 days from the shipment date. In addition, every Swiss Legend Watch features a 5-Year limited manufacturer's warranty.

PRODUCT FEATURE: Gorgeous 2ct Blue Topaz and Diamond Earrings! Over 40% off retail price!

Blue as the ocean and as gorgeous as her eyes, our Blue Topaz suite is perfect for this spring/summer. The suite features ring, earrings, and a pendant. Each can be purchased separately.2ct Blue Topaz Earrings. Gemstone weight is approximately 2ct. Diamond weight is approximately .06ct. All set in the ever popular past present future style!

Really Great Jewelry, Really Great Prices. Shop SuperJeweler.com today!!!


Free shippping in the US!
Free gift with every order!
Free gift wrapping! Appraisal with every item!

Earrings Diamond Solitaires Diamond Fashion Rings Diamond Engagement Diamond Fashion Anniversary Bands Pendants Diamond Solitaires Diamond Fashion Hearts & Crosses Diamond Circles Bracelets Diamond

RELATED ARTICLES:

How to pick the right Diamond

Never Pay Retail With Ultra Diamonds!

Celebrity Jewelry: Forget Bling, Bring Back Pearls!

CZJewelry.com

"Good fortune is what happens when opportunity meets with planning." Thomas Edison

So, you've found that special someone to share your life with. Congratulations! Your marriage is certain to succeed, despite the fact that over 50% of marriages fail, right? After all, you love each other and are committed to each other. But just how much do you know about your future spouse's financial situation? Since almost 90% of divorces have at their roots financial problems, quarrels, and accusations, it's pretty likely that most of these couples headed into marriage without a complete financial picture of their relationship. Here are 10 questions for you to talk over with your intended spouse so that you can both on the same financial page.

1. Who is going to manage the money?

This is probably the number one question you can ask yourselves. So many people enter marriage thinking that the other person is going to handle everything, only to find out later that neither person is keeping track of anything. Decide who is going to manage the checking/saving/investment accounts, keep track of expenditures, do the investment research, etc. Divide it up if necessary. However, both partners should always be aware of the total financial picture. Regular financial meetings are an essential part of marriage.

2. Are we both going to work?

One of you? Both of you? Full-time? Part-time? These are important questions for laying the bedrock of your budget. Generally, most couples choose for both of them to work, although some couples still choose to have the wife stay at home so they don't become accustomed to having her income, thus allowing her to remain home with their children. Assuming you will both be working, what will happen if you decide to have children? Who will stay home with them? Will you need to find someone to care for them on a part- or full-time basis? What if one or both of you has children? What arrangements do you need to make?

3. If we both work, how will we handle the household expenses?

Having two incomes can put surprising strain on a relationship. Suddenly you have to worry about who is contributing more to the household expenses and who is not doing his/her "share". Decide how to handle this situation before it becomes a "hot potato". Will you pool both of your incomes and pay household expenses out of that, or will you maintain separate accounts for your separate incomes and hold a joint one for household expenses that you both contribute a percentage of your income to? How much should each of you contribute? Should it be equal amounts, or a certain percentage? Weigh your options carefully and come to a consensus before the wedding!

4. How much personal spending money should each of us have that doesn't have to be accounted for?

Each spouse needs some personal spending money to spend as he/she wishes without having to worry about having to account for it, whether each of you works or not. This is money that could be spent on hobbies, gifts, small purchases, etc. Decide what is fair for each of you (the actual amounts per person may be different).

5. How much could I spend on a purchase without needing consent from you?

Set a limit on how much either of you can spend before consulting with each other. For some people this may be only $10 if money is really tight; for others it might be $1000. Decide on an amount that will help you to live within your means and not create resentment.

6. What is your attitude toward money?

Our attitudes toward money are often formed when we are just children. We may not even realize their full effect. Talk about how money (or the lack of it) makes you feel. Does it scare you? excite you? make you want to spend it? make you want to horde it? How do you feel about buying on credit? How much debt is essential? How much debt is too much? Consider whether you're a spendthrift marrying a miser.

7. How much debt are you bringing to the marriage?

If you can't be honest about this, there's not much hope for your marriage. Each partner needs to know the debt load the other one is carrying, because once you're married that debt load is now shared. Decide how you will manage it and work toward eliminating it.

8. How do you feel about budgeting?

It is really surprising how many married people get by without a budget. They're usually the ones in the deepest financial trouble. Budgeting is key to making success of your finances. A business would collapse very quickly without a budget to keep it in line. How else would it know how much is coming in, and how much can be spent? Don't just talk about a budget; plan it out and make it work!

9. How often should we review our finances (both short- and long-term)?

Periodic financial meetings are an absolute must. Some couples may need to check up on things every day or two, but most couples need to review their finances at least once a week. That way they know how much money is in the bank and they can discuss their expenditures for the upcoming week. You should probably have a budget meeting at least monthly to plan out bills, etc. Review your investments on an as-needed basis.

10. What are your long-term financial goals?

Where do you see yourselves in 20 years? 30 years? 40 years? What are you doing about retirement planning? Talk about short- and long-term goals and create a plan to achieve them.

Marriage is not only a union of your souls, but a union of your money as well. Take the time to discuss these questions with your loved one. Solve any differences or problems you might have before you get married, and hopefully save yourself an expensive trip to divorce court!

"Good fortune is what happens when opportunity meets with planning." Thomas Edison


About The Author
copyright Simple Joe, Inc. Chemain Evans is a quality control specialist for Simple Joe, Inc., makers of the popular Simple Joe's Expense Tracker PC software. Expense Tracker is a quick and simple way to keep track of your expenses and stay within your budget. Expense Tracker (http://www.simplejoe.com/expensetracker/index2.htm) is ideal for tracking personal, business, home and club expenses.

RELATED ARTICLES:

A Budget Doesn't Limit You, It Gives You Freedom

Fix Your Credit With These 7 Simple Tips

Dream Big Dreams and Take Charge Of Your Life

Romatic Travel, Honeymoons & Destination Travel

Learn the jealously guarded secrets behind actual dishes from The Cheesecake Factory, KFC, The Olive Garden, McDonald's, Red Lobster, Hard Rock Cafe... and learn how to easily cook them yourself!

Cook these killer dishes "on demand", from your very own kitchen whenever you felt like it.

Make ANYONE, your friends or family, go all wild and gaga over your food at the next bash, party or gathering.

Bonus Gifts: Lifetime Access to Our Secret Recipe Archive, The Complete Library of Cooking, Americas Most Wanted Low-Carb Recipes, America's Top 150 Drink Recipes

RELATED ARTICLES:

Too much stress? Get dressed before bed, make breakfast the night before, and work with the little voices ... say what?

Ever feel you have too much stress in your life? Most of know there is good stress and bad stress. Good stress challenges us, helps us be productive, creative and leaves us feeling better for having coped.

Some stress isn't good for us, especially if it lasts for longer periods of time. Most articles I've read suggest we have no control over 90 percent of stressors that could impact us. They are probably going to happen whether we like it or not.

Do we turn a blind eye? Are there little things we can do to mitigate the daily stressors we all face? I'm talking little things.

One of my neighbors, Dr. David Posen has written three books relating to stress and lifestyle management. He observes we all have a little voice in our heads that talks to us. These internal conversations can be positive or negative. The good news is we can control the type of dialogue we have. In my business I work with top sales professionals. One of my areas of focus is helping them understand the power of positive self talk. Managing these little voices can significantly impact their business goals and improve their personal life.

Dr. Posen in his latest book offers 52 "prescriptions" he believes can have a profound and positive effect on lifestyles. I'm not a doctor so I can't write a prescription. I can share some 'little things' I've done for the past 20 years that have worked for me.

In the morning, have you ever worried what you are going to wear for the day? Why not make that decision the night before. Before you go to bed, lay everything out. You may think it funny, but I lay out my clothes the night before, including my socks and underwear! I extended this to breakfast. Just before I go to bed, I program the coffee maker; lay out my cereal bowl, coffee cup, juice glass and multivitamin. Does it save a lot to time? Maybe not but if my most difficult thing to remember in the morning is the coffee goes in the cup and juice in the glass, them I'm off to a good start. Next thing I do is organize the little voices in my head. It's going to be a great day. I will be productive. I will not let others actions impact my behavior. That's it. I get on with my day and try not to let the little things become big things.

Take charge of the little things you can control - and if you don't already do so, start singing in the shower!

About the Author
Clayton's mission is to help sales people become more successful. He is a co-creator of Salesopedia.com "The World of Sales from A to Z". Learn more at http://www.salesopedia.com