One Man's Perspective of Love and Creating Work Balance

Written by Dennis Twitchell


Continued from page 1

If your wife or girlfriend has said that to you, it is time to definitely pay attention torepparttar warning signs of a relationship onrepparttar 110336 edge.

Think about it. When'srepparttar 110337 last time you showered your wife with attention and a special gift? When did you letrepparttar 110338 worries of your day slip away in order to let your wife or partner know how much you love her and how special she is to you? What may seem like a little while to you may be an eternity to her.

Well, I have a solution for you. With Valentine's Day right aroundrepparttar 110339 corner, you can do something really extraordinary for that special someone. Take time to make this yearrepparttar 110340 most memorable ever. I promise you it will be well worth it.

Think about what you can do to show your sweetheart how much you care for her. Think about what she would enjoy receiving from you. And no, in most cases, tickets to a sports event is notrepparttar 110341 answer here. Sure she may enjoy that on occasion, but truth be told, for this Valentine Day you probably want to make it really special.

Try this. Go shopping for romance cards. Start immediately to sendrepparttar 110342 first ofrepparttar 110343 cards. Repeat this each day until Valentine. Actually, to really spice things up you can send cards for a few days after. And yes, do send them. This will keep you focused on her every day.

In each card, write a message about a unique gift she will receive. Maybe it's a foot massage, or you will run her a bubble bath and give her a shoulder massage. What about a walk inrepparttar 110344 park or an afternoon matinee movie? The gifts don't have to be financially costly, but they should require some time on your part. For most women your time will mean much more than an expensive gift. And yet,repparttar 110345 expensive gift can work well too.

You know, and I know, women love to be pampered. Imagine your wife's surprise when you treat her to such a memorable valentine. Of course, you never know what might happen duringrepparttar 110346 course of you showing her with your love, affection and appreciation.

With our daily experiences life can change on a dime. Withrepparttar 110347 pressure of work and personal demands, a huge challenge we have is to make sure those people we love know it, day in and day out. Imagine what it would be like to not haverepparttar 110348 opportunity to let our loved ones know we care.

Doesn't your wife, partner, lover, friend and confidant deserve to know how much you care. I think so and you do too.

Dennis Twitchell, aka The Big Bear, is the husband of Patricia Twitchell, owner of Just Bears and Stuff, a unique gift shop located in the quaint town of Myrtle Creek, Oregon. For a special gift for your spouse, partner, customers, or friends, and to sign up for Beary Special Moments Newsletter visit www.justbearsandstuff.com P.S The Big Bear will gladly wrap your gift and ship anywhere in the world for that special someone.


The Money Jar Trap

Written by Jeffrey Strain


Continued from page 1

There are a few steps that you can take to make sure that you aren't actually losing money when you think you are saving it. First, you want to make sure never to have your coins changed at a grocery or similar store. By doing so, you will automatically have around 10% of your money subtracted for fees.

Before you take your coins to your bank, make sure they don't charge any fees for takingrepparttar money. The policy for banks varies widely. Some will charge for loose coins, but won't charge if you rollrepparttar 110335 coins yourself. Find out what charges exist and if any do, consider switching banks. Credit unions are usually better at not charging fees for taking coins than banks.

If you can't find a bank that will take coins without charging you, then userepparttar 110336 coins in your everyday use. You're much better off doing this that letting them sit in a jar where they will ultimately lose money for you. You can amendrepparttar 110337 money jar game to benefit your savings if this isrepparttar 110338 case.

Instead of saving coins, move up to $1 bills for your money jar. In this scenario, you'll be doing exactly what you have been doing, but you'll be saving $1 bills instead of change. You don't spend any $1 bills you receive, but any coins you receive are fine to use. That means all purchases have to be made with coins or large bills ($5, $10, or $20 dollar bills). Atrepparttar 110339 end ofrepparttar 110340 day, you place all your $1 bills into your savings jar. Since banks will not charge you anything to deposit $1 bills, you avoidrepparttar 110341 fees your would get forrepparttar 110342 change and save even more money than with coins.

If you think that changingrepparttar 110343 game will keep you from saving, another way to changerepparttar 110344 coins is to take them to your local post office and use them to buy stamps out ofrepparttar 110345 vending machines there. By switchingrepparttar 110346 coins for stamps, you get 100% value for your coins which is better than paying fees to haverepparttar 110347 coins switched to bills.

Inrepparttar 110348 end it's important to remember that coins are legal currency and you can get full face value for them by spending them a little at a time. While a large amount of coins can be troublesome, there is no reason to pay a fee to haverepparttar 110349 coins deposited.

Copyright (c) Jeffrey Strain. He is owner of Save Money Games - a website dedicated to decreasing debt through money saving games.


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