Love, Marriage and Money

The f-word. Finances. Combining love and money may be the biggest stumbling block on the path of true love, creating more rifts in relationships than in-laws, drug and alcohol addiction, or infidelity.

Financial power struggles challenge even the most solid partnership. Unfortunately, money too often equates to control in a relationship. The delicate balance of power between you is dependent on the successful combination of love and money.

In the majority of relationships today, both members contribute financial resources. Despite the strides women have made toward financial equality on the job, though, men still have greater earning power. In general, with more disposable income, men invest more money and take greater risks than women. Women as a whole are more conservative in their investments because it takes them longer to earn the money. Money attitudes are also influenced by age, family upbringing, religion, and each person’s own unique financial trials and errors.

Everyone has opened a bank account, paid the rent or mortgage, kept the telephone and electricity turned on. When you make the decision to share your life with someone, though, such mundane issues suddenly become complicated.

Do you keep separate bank accounts or do you put all the money in one account? How do you split monthly expenses? Do you each pay a portion or do you pay bills out of a joint account? Should you be able to sign on your partner’s bank account? Did one of you bring assets to the relationship that the other uses, such as a car or a home, for which expenses should be shared?

Financial advice for couples over fifty varies significantly depending on age, economic status and dependents. Every situation is different, but the following is general advice for everyone.

Many modern couples keep their finances separate, while others opt to pool all their funds. Making the decision on the day-to-day handling of what was formerly “his” and “her” money can be a tough one.

There are benefits to keeping separate property funds separate and maintaining certain assets in one name only, which we’ll explain in more detail in the next chapter. Keeping other monies separate may create logistical problems, though, along with a diminished sense of common goals for the future. Combining your funds also gives a couple greater borrowing and investment power.

Determining a financial plan that works might take months; many couples struggle for years before reaching a balance. Defining and discussing your money styles is the first step, setting goals is the second.

Review your financial picture. Are you both satisfied with your knowledge and control of “your” money and “our” money? Are you both knowledgeable about banking, insurance, investments, credit cards?

The routine business of a new life together should include the following:

Reevaluation of life, health, auto and other insurance coverage
A change of beneficiary on insurance policies and company pension plans
Notification to social security of your marriage to ensure eligibility for your spouse’s benefits and change of W-4 withholding
An assessment of the impact of remarriage on alimony or pension/retirement benefits from a prior marriage
A consultation with an accountant to learn the impact your marital status will have on your federal or state income tax obligations
In a remarriage, be aware that the income of a new spouse may impact eligibility for financial aid of college-age children from a prior marriage.

You may need to consult your banker, your employer, your insurance agent, your accountant, your attorney or other professionals to accomplish these tasks.

Your goal in tying the fiscal knot is to protect your spousal rights and save money. Begin your research before the wedding and make sure you follow through. [] should be your first stop – it’s an easy and inexpensive way to stay informed.

Johnette Duff is the author of The Spousal Equivalent Handbook: a legal and financial guide to living together, The Marriage Handbook: a legal and financial guide to your spousal rights, and Love After 50: the complete legal and financial guide. Nationally, she has appeared on Today, Good Morning America, CBS This Morning and in The Wall Street Journal, Self, Smart Money, New Woman and Modern Maturity promoting information on love and the law. Ms. Duff has recently opened a web site titled, love and the law.

Create Feature Rich eCommerce Sites With OpenCart Development

Today, every business is taking to the online world for growth as well as survival and eCommerce is gaining great popularity as people nowadays are more interested in shopping through the net. Creating an online shop is now very easy as there are numerous platforms that can be used to build the online store. Some shopping cart solutions may be costly to maintain while others are very low priced, but they need only additional enhancements to meet specific business needs.

OpenCart is an open source eCommerce platform that is perfect for large as well as small businesses. It is PHP based and is feature rich, secured and easy to use platform that suits every business requirement. The platform has been designed keeping in mind the needs of the internet users and merchants who are looking for a reliable and functional eCommerce solution.

OpenCart developers can create solutions that are packed with rich functionalities that can help them to showcase their products and sell them and serve the customers efficiently without any hassles. Besides having a great user interface, it allows the user to have perfect control over the site. The strong architecture and the variety of themes available as well as several shipping method integrators and payment gateways make it a great platform for online shopping sites. It has multi currency, a discount coupon system, product ratings, unlimited categories, guest checkout and many more that helps to add rich functionalities to your site.

To stand apart from your competitors, you need to create an online store that offers professional services to the customers and OpenCart eCommerce website development companies can help you to maximize the benefits of an eCommerce store with this platform. With a 100% responsive framework available with this platform, you can now easily access your site from any device like Android phone, iPad, iPhone or tablets. This powerful feature will help you to target more customers using varied devices that otherwise you could be missing. Filled with great features and no limitations on site size, OpenCart eCommerce development helps to unlock online potential for your site.

If you are willing to satisfy all your business needs, then you can easily outsource OpenCart development to the experts. They offer high quality services at reasonable prices according to your business specifications and budget.

Key advantages of outsourcing your OpenCart solutions

• Easy access to experienced and highly professional developers who can work on your project that is supervised by expert project managers
• Customized OpenCart eCommerce solutions offered by outsourcing companies to suit your exact requirements
• Round the clock support and maintenance services
• Fast development process and delivery of project within the specified time period
• Complete data security and confidentiality of the codes and company information
• Cost effective solutions to suit every pocket

Thus, in a nutshell we can say that OpenCart development is one of the best platforms for eCommerce that performs with speed and accuracy. So whether you are planning to migrate your eCommerce site to a new platform or want to create a fresh site for your business, OpenCart is the best to opt for.

Moving Forward Business Wise With The Help Of Ecommerce Development

Electronic commerce is without a doubt the way to create new opportunities for an enterprise that needs to sell services and products. Based on the marketing value of the internet we can clearly see there are virtually no downsides to promoting items on the World Wide Web. Using the online environment and making the best of technologies like electronic funds transfer, online transaction processing, electronic data interchange and others is an excellent way to make a profit. If electronic commerce development is not implemented, businesses are surely going to miss out on a big chunk of potential sales.

As always, the way we make use of an excellent idea is as important as the notion itself. A proper delivery of an electronic commerce platform is crucial as the results depend on it. Companies that deliver design and development services in the online environment have a long background when it comes to offering the best ecommerce solution for enterprise use.

An experienced team of technicians will evaluate the marketing value of an idea; the design is equally important so creativity and talent must be used to integrate all the functions that are required. This is crucial as development defines the way a platform is used and the income it eventually brings.

Every project will receive a customized solution based on the requirements; the need to achieve the goal must be met by cost-effective solutions. Solutions are generated after the preliminary outcome of the development plan. The plan delivers insight regarding the client’s needs and the way design and creation technologies for platforms can be used.

Building from the ground up websites and mobile applications are a great way for the developers to create an online shopping platform that offers lots of features. When there is no template creativity can be used to generate spectacular results.

Moving on to the systems integration part of the development, companies must make sure that all the systems are in sync, offline and online alike. Inventory and accounting represent two of the biggest parts that will provide constant updates regarding the flow of money and products/services.

Awareness is the name of the game, failing to achieve it could mean disaster for a business. The goods and services offered may be great but if they are not known you might as well close the shop.

In order to generate a robust online presence, social and mobile applications can enhance a platform’s range; this means that you can align these tools to make sure your enterprise’s needs are met. Today’s online environment is all about social interaction so it is only natural that businesses must tend to this aspect.

This is also an excellent marketing tool for no matter where your clients go they can also keep in touch with the store. Online stores can send messages regarding offers and promotions; this is what a great ecommerce development service can do.

Ecommerce development is one of our company’s strong points. Others include creativity, experience and the desire to achieve perfection. Here at SpiralClick, we design and develop the best platforms so that businesses can benefit from an original concept and a vast array of tools that complements this design.