This weeks content:

• Financial Woes
  Free Finance Software
• Smile awhile....  Political Systems
  

Financial Woes

Especially at this time of spending and buying gifts, many couples fall into the credit card debt
trap. This can esult in financial problems in the coming months, when these debts have to be paid.

One of the main reasons other than fidelity that marriages fall apart is due to finances.

When couples are struggling with money problems, tempers flare, frustration builds, drinking may
start, and it is an all-around unhealthy situation. The minute there are any signs of financial
difficulties, the two of you need to immediately sit down and figure out a plan on how to deal
with the problem. If needed, go to see a financial consultant or a credit counseling service to
help you get back on track. Do not allow your finances to get out of line or your relationship
will certainly suffer.

Sit down with each other and talk openly about your finances. This is not the time to try and impress
one another by being less than truthful.

If you are in a commited relationship, and truly care about each other, you will realise that long term
happiness is very difficult to achieve under financial duress.

Make a list of your needed expenses, luxury spending etc. Then work out a budget, prioritizing each others needs
in a way that both are comfortable. Believe me, if there is a huge feeling of unfairness at this stage, it
will be extremely difficult to maintain a loving relationship.

There is a huge amount of information out there, take the time to use it. Don't build your relationsship on a
shaky financial foundation. Do what it takes, to move these obstacles out of the way of your long-term
happiness.

Keep on loving, Udo

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Political Systems.

Socialism:

You have two cows. State takes one and gives it to
someone else.

Communism:

You have two cows. State takes both of them and
gives you milk.

Fascism:

You have two cows. State takes both of them and sells you
milk.

Bureaucracy:

You have two cows. State takes both of them, kill one
and spill the milk in system of sewage.

Capitalism:

You have two cows. You sell one and buy a bull.

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