Day: May 3, 2020

Money is the leading cause of stress in relationships

Fighting over money with your better half? Join the club.

Finances are the leading cause of stress in a relationship, according to a survey of people in a relationship or partnership released Wednesday by SunTrust Bank. Some 35 percent of all respondents experiencing relationship stress said money was the primary cause of friction. (Annoying habits came in second, at 25 percent.) Among respondents with relationship stress aged 44 to 54, 44 percent said money was the primary cause.

“Money really touches everything. It impacts people’s lives,” said Emmet Burns, brand marketing director for SunTrust.

Money and stress do seem to go hand in hand for many Americans, whether they’re in relationships or not. A study released earlier this week by the American Psychological Association found almost three-quarters of Americans are experiencing financial stress at least some of the time, and nearly a quarter of us are feeling extreme financial stress.

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Small Diverse Business Contracting | Department of General Services

The Commonwealth maintains a strong commitment to providing opportunities for small businesses to compete for prime contracting opportunities with the goal of promoting the economic growth and success of small businesses.

ELIGIBILITY REQUIREMENTS

Businesses interested in participating as a small business in the Small Business Contracting Program must first register to do business with the Commonwealth and self-certify as a “small business.” To self-certify and participate as a Small Business, a business must meet each of the following requirements:

  • The business must be a for-profit, United States business.
  • The business must be independently owned.
  • The business may not be dominant in its field of operation.
  • The business may not employ more than 100 full-time equivalent employees.
  • The business may not exceed three-year average gross revenues of $38.5 Million, regardless of business type (effective 11/1/2018).

Businesses will be required to upload the first page of the company’s three most recent federal

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Degree of Future COVID-19 Revenue Impact Is ‘Simply Unknowable’

Chubb Chairman and CEO Evan Greenberg insists the global P/C insurer has strong fundamentals, but warned at the same time that the ongoing pandemic crisis will spur unpredictable revenue challenges affecting many lines of coverage.

Broadly speaking, the insurer will likely take hits on the liability side and earnings via at least a temporary reduction in premium revenues, Greenberg explained during an April 22 investor call held to discuss Chubb’s Q1 2020 earnings.

“Our growth momentum, particularly in our commercial [property/casualty] business globally, continued into April, and we continue to experience improved rate to exposure,” Greenberg said. “As we go forward, offsetting that, will be a meaningful impact to growth from the health and economic crisis as exposures in important areas shrink for a time, with the impact varying by country,” Greenberg said.

Consumer-related lines including travel insurance, A&H “discretionary purchases” and automobile insurance will all take hits, as customers

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Quiet Light Brokerage

Quiet Light BrokerageHome – Quiet Light Brokerage


Meet the Team
that Will Help You Sell
Your Online Business

The advisors at Quiet Light Brokerage have each bought, sold, and started their own online businesses. In fact, when you look at the collective resume of the team that will help you plan your exit, it’s almost unbelievable.

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Mark scaled an online magazine from 0 to 220,000 subscribers – in 18 months

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Bryan founded the world’s first Internet due diligence company

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Jason raised over $10 million in venture capital investment

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Amanda built a company at age 24 which was featured in the TIME magazine

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Amanda launched an affiliate business as a hobby – became top affiliate in 4 months

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Walker authored “Buy Then Build” – a #1 Bestseller in Entrepreneurship on Amazon

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Walker

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To Buy Or Not To Buy: ‘How To Money’ Looks At The Housing Market & More

Spring is usually the busiest time for the housing market, but the coronavirus has changed that, too, and one listener asks Joel and Matt if they should buy now or wait until later. They’re already under contract, but have been advised that the market could be on a downturn, and if they wait, they could get a better price on the house. Not so fast, Joel says; while it’s true that banks have seen the lowest level of housing loan applications since 2015, that’s no indication that the market will change significantly, since housing inventory is still low. And right now, mortgage rates are incredibly low, so buying now with those rates could actually mean more savings in the long run than waiting for a cheaper price in the future. For that reason, refinancing an existing mortgage could be a good move, too. 

Another listener asks about the stimulus checks;

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Home – BT Business Community Forum

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Get help with Business phone lines, Featureline, ISDN 30/30e/2e, handsets, headsets, call plans and calling features like call divert, call barring, 1571 and Call Minder

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Troubleshooting help, tips and advice on mobile products and flexible working technology including Mobile phones, Tablets, BT One Phone and Mobile Broadband

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Can’t find your product or service in the other boards? Then post and see if you can get help here.
You can also give us feedback on the forum and discuss anything you like with

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Creating a Budget with a Personal Budget Spreadsheet

Whether you’re looking to create a personal budget spreadsheet or just get a better grasp on money management, start with these six steps.

Even if you don’t use a budget spreadsheet, you probably need some way of determining where your money is going each month. Creating a budget with a template can help you feel more in control of your finances and let you save money for your goals. The trick is to figure out a way to track your finances that works for you. The following steps can help you create a budget.

Step 1: Note your net income

The first step in creating a budget is to identify the amount of money you have coming in. Keep in mind, however, that it’s easy to overestimate what you can afford if you think of your total salary as what you have to spend. Remember to subtract your deductions, such

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How To Get A Personal Loan

A personal loan can be a great way to get the cash you need to consolidate debt, finance a home improvement project or make a large purchase. The average interest rate on a two-year personal loan is around 10.6 percent, according to the Federal Reserve, compared to the average credit card interest rate of about 17.7 percent.

Whether you’re interested in borrowing from a bank, credit union or an online lender, the process is mostly the same. But getting a loan the smart way requires a little extra research and care to make sure you get the best offer available.

How to get a personal loan in 8 steps

  1. Run the numbers
  2. Check your credit score
  3. Consider your options
  4. Choose your loan type
  5. Shop around for the best personal loan rates
  6. Pick a lender and apply
  7. Provide necessary documentation
  8. Accept the loan and start making payments

1. Run the numbers

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