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How do you know when it's time for marriage counseling? Easy. Are you in a relationship Cheap Todd Gurley II Jersey , even a good one? Then it is time.

Years ago my wife and I participated in an organization called "Marriage Encounter," which emphasized communication techniques. I've always liked its motto: "Making Good Marriages Even Better!"

That's what I hope to emphasize for you today. It's time to make your good relationship even better!

And how do I suggest you do that? If you have a relationship that is doing pretty good and doesn't really need any help, then I want you to go to Marriage Counseling!

You may think that counseling is only for problems, but that's not so. People without all those nasty problems can use the process to create far better lives than they ever imagined.

I so love it when a couple comes to me just to grow. I'll admit that this is usually not the case. It usually takes pain to get people through my office door. But Cheap Jared Goff Jersey , occasionally, couples come to me just to make their good relationship even better. What fun that is!

So, what does a couple do in therapy if they have no problems to work on? There are SO many things we can do:

-Develop even more sophisticated communication abilities
-Use psychological instruments (tests) to determin differences, simularities Cheap Aaron Donald Jersey , and how to complement each other's personality gifts
-Seek spiritual growth together
-Take time out from the busy-ness of life and become clear on what your common goals are and how you want to get there
-Strategize how you will handle holiday get-togethers with in-laws and other relatives that are not that pleasant to be with

And this is just the beginning. There is so much we can do to improve these marvelous relationships we've been given.

Is it worth the cost? I think of it in terms of the old question at the end of life: Will you wish you had spent more time at work, or more time on your family and marriage?

For most of us, the answer is clear. There is nothing in the end more important than our relationships to the people we treasure.

The cost of taking yourselves to a counselor and working on life together is really nothing compared to the lifetime of joy and wonder that is possible with your partner.

The grocery bill, the car payments Cheap Eric Dickerson Jersey , the mortgage, the clothes for the kids and the thousands of other things we feel we must spend our money on will all argue against this couple counseling opportunity.

However, I suggest that it is not an issue of whether you can afford it, but whether you can afford to not do it. Is your relationship really good enough for you Wholesale Los Angeles Rams Jerseys , or do you wonder if there is more?

Go for it! Grab all the love and togetherness you can get! And use a counselor to help you see what you may be missing.
Author's Resource Box

Steve Roberts, The Couples Guy, is an experienced Marriage and Family Therapist
who shares tips and
real life relationship secrets from over
20 years of practice.
Get Insight and Wisdom at:
http:

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Financing College Studies with a Home Equity Loan! July 21, 2013 | Author: Arun Ranganathan | Posted in Education

Given that the costs of college are Wholesale Rams Jerseys , regardless of your best efforts, you may come up short when it's time for your children to start their pursuit of further education. If you have satisfactory equity on your home you can resort to it to get the necessary funds.


Home Equity Loans and Lines of Credit


A mortgage is secured by the equity you have built up in your home and can be structured as either a rotating credit line or a second mortgage. When you opt to get a rotating line of credit, the lender establishes a credit limit that depends on the quantity of equity you have in your house and your capability to remit payments.


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If you should decide to take out a second home loan, you’ll borrow a given amount Cheap Rams Jerseys , not more than 80 percent of the equity in your house. That amount is moved to you in full when you close. You’ll repay that amount over a fixed term, just like on your original mortgage.


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Mortgage loans include tax-efficient interest and, in most situations, a more expedient rate than normal loans. Nonetheless it also puts your home in peril as it serves as collateral for the loan. You will also need to pay closing costs Cheap Rodger Saffold Jersey , points, and other costs to obtain the loan.


The IR charged for mortgage loans is significantly lower than other sources of finance. It can be even lower than certain personal study loans. And since it is a secured loan, it provides lots of pliability in terms of repayment schedules and monthly payments. As regards to affordability these loans get the highest grades because of the combination of low rates and long repayment schedules.


Scanning The Net for The Right Lender


Before you take out a home equity loan, search around. Compare interest rates on home loans with the cost of alternatives like financial-aid loan programs Cheap Johnny Hekker Jersey , to work out if a home equity loan is correct for your family. But if you decide to go for a mortgage loan, don’t run in either. Search the net for different home equity loan lenders and request loan quotes.


With all this info you'll be able to compare the offers and find the bank that mo.




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