Dating – Be Prepared For Getting Hurt

Many of us hate dating for all the trouble it involves. You never know what kind of person will your date be? You have some clues, but as you know more about him/her, your enthusiasm 강남오피 dips. You had never asked for such a dating partner. There is nothing ㅇㅍ후기 common between both of you and as you have more dates, you 오피후기 start thinking that you don’t like this person. He/she may not be well groomed, or may be always coming late, talking few things that you don’t understand and this all creates confusion in your mind.

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How do I say no now and begin with another date. The same process has to be repeated. It all is so tiring. In the beginning, we are full of enthusiasm, but after few experiences, the enthusiasm wanes. Tiredness takes over us. Let me forget dating for a while and focus on my career/studies. This dating frustrates me totally. I would rather live alone and do better. I am tired and confused. You may not alone thinking all this. This situation is not very uncommon.

Can one stop dating altogether? Very few can do that. We need a partner to fulfill us. We need somebody to share the life. The loneliness can be worse. What is to be done? If you are encountering repeated failures, please give yourself a break for few days. Think about what all went wrong. Whether your choices were wrong or your expectations were not clear to you? Find out more about what you want and how can you attract someone who has those qualities. Forget the past failures. Clean the slate and restart.

Dating – Are You Shy With Opposite Sex?

Many of us are shy talking to the opposite sex. That takes us no where. We are scared of talking to any person of opposite sex. Something happens that stops us. Why do we get scared? We are not scared of talking to persons of our own sex. We are confident about ourselves. We have enough self-esteem, and we value ourselves as desirable. Then why? It is as if there is a switch in the mind that is switched off and says no when it comes to talking with persons of opposite sex.

What can be done about this? This problem has to do with our mind. Our mind tells us that we are not worthy. We may be rejected. We may be laughed at. Our mind warns us to defend ourselves from this and says no – you are not to approach anyone from the opposite sex. This is the mechanism of mind. Fight or flight. In this case, we resort to flight. But with this running away, we will never get a desirable partner. We will always remain alone and only wistfully watch other couples going around. So what should we do?

The very first step in such cases is to evaluate our self and compare ourselves with our friends. Are we as smart as they are? Are we as intelligent as they are? Are we as confident as they are? Are we as presentable as they are? Is our personality equally good? On most of these issues you may find that you are scoring more points than your friends. So one thing is established. You are a desirable person. If your friends are not shy, why are you? Gather the strength and approach persons of opposite sex with confidence. Don’t worry about rejections. There can be many reasons for that. Approach smartly and you will surely get some one good to date. Good Luck.

Dating: Lessons In Love

Are you on the look out for a boyfriend/girlfriend? Have you been single for a while? Have you somebody in mind who you would like to go on a date with? A few years ago I thought that I knew what my ideal partner or girlfriend would look and be like. I was however about to learn a very valuable lesson of which I will write about in this article.

I am quite short for a male and always prefer to date women who are smaller than I am. This however counts quite a lot of them out. I also like women who are very down to earth and who are quite relaxed about life, not too into themselves for example. I also prefer them to be brunette with a nice smile and attractive eyes, a slim figure would also be a bonus.

What I have just described is what I believed to be my perfect girlfriend. This whole notion was blown out of the water around ten years when I had to work on a project at work with a woman called Sam. She was about ten years older than I was and I will never forget what my first impressions of her were. What a mess, I thought. She had made no effort with her appearance, had not even brushed her hair it seemed, she dressed as if she was twenty years older than she actually was and basically looked like she had not slept the night before.

This may seem quite cruel and harsh, this is what I used to be like back then, I am ashamed to think about how my mind used to work. I am happy however that I have now changed to be what I hope is a nicer person.

Despite these first impressions I have to say that Sam was so nice and helpful to me over the next three months. She is probably one of the kindest and purest people I have ever met.

After about ten weeks of first meeting Sam, I started to dream about her and I think I fell in love with her. She had not suddenly made an effort with her appearance, still looked a mess etc. The fact was it did not matter to me anymore, it was what was inside that counted.

I never ever admitted to Sam how I felt as she was married, I think her husband is one of the luckiest men alive.

Thanks Sam for teaching me a very important lesson in love.

Dates Need Adequate Product Safety Labeling

Such consumer oriented labeling as “Warning: this date may be hazardous to your emotional health” or “Lifetime unconditional love guarantee” should be easily visible on all new dates. Unfortunately the only labeling you may find on your next date may be a patch of material that says “Polo” or “Dockers.” This, however, is insufficient data and fails to give even the slightest clue regarding:

* what they are made of, 강남오피
* if exposed to hot water whether they will shrink or need one, or 오피후기
* if they will wrinkle, fade or run from commitment. ㅇㅍ후기 

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So how do you know what you are getting into or if your potential partner will even fit your needs? How do you know if your relationship is destined for the recycle shop or if it is durable enough to weather many seasons of the heart? Although you can never take all the risk out of relationships, what you can do is attempt to put the odds of success more in your favor. Potential mates don’t come with adequate product safety labeling but there are recognizable signs, “stop signs” and “warning signs”, that can let you know if the “Joe Camel” you are going out with is potentially dangerous to your emotional health. These signs and signals can alert you to potential problems that can lead the unaware down the road to relationship ruin. Some of the possible “stop signs” and the potential relationship problems that they may be warning you of include:

STOP SIGN or WARNING SIGN and POTENTIAL PROBLEM

– Your date becomes very angry over little things. His anger seems disproportionate to the event. He may be a rageaholic. He may have stored lots of past anger that he will eventually aim at you.

– He is extremely critical toward himself, puts himself down. He seems to be an extreme perfectionist. In time that criticism will be directed toward you too. He may expect the unreasonable.

– He bounces checks, has credit problems, unpaid parking tickets, is always late, and makes commitments then breaks them. You’re not dealing with a grown-up. You may be signing up to be his Mommy. You can’t fix him!

– Your date can’t have fun without drinking. He structures his social activities and free time around bars. He’s a potential alcoholic and he may also be addicted to other substances.

– Your date frequently flirts with other women. He makes suggestive comments to your friends and likes “men’s clubs”. He may be a sex addict. You’ll never feel secure. He could be unfaithful and unavailable emotionally.

– He has no long-term friends, few acquaintances and no long-term relationships. Forget the excuses, this is someone who is unable to bond with others. You won’t last long either.

– He is an emotional wreck. He seems to desperately need someone to heal his broken heart and help him get his life back on track. When you’ve exhausted yourself nursing him back to health, he won’t be there for you. That’s not his role. He’s the victim.

– Your date avoids talking about his past, especially his childhood. He says “what’s over is over” and “I just don’t think about it.” He could be hiding major unresolved emotional problems from childhood. Those problems will surface with anyone with whom he gets close.

– He has just ended a several year relationship. He says he is over her and ready to start dating again. Rebound alert! He may want to be ready to date but probably isn’t. He may yet go back to his ex- partner.

– Your date is uncomfortable with the idea of marriage counseling. He insists that the two of you can handle any problem that might come up. If a major problem does emerge, he won’t be open to help. He may be unable to face problems or even talk about serious issues. Look out!

Ignoring these “stop signs” and the warnings that they signal can create huge relationship problems. Denying, minimizing, rationalizing, or in some other way making excuses for the other person is usually a form of self-deception. This is a way that people often set themselves up for some very painful consequence.

It is not always easy shopping for the love of your life. The product safety labeling isn’t prominently displayed. But there are warning signs, stop signs and behavioral tags that tell the truth about what they are made of.

Date Ideas – Top Romantic Ideas for Couples

Don’t waste another second stressing over what you need to do and where you need to go on a date. We’ve compiled a list of sure fire winners.

1) Prior to a date…stake out a nice secluded location near a park, beach, lake, rose garden, or “special place“…and leave a single stem rose along with a letter telling your sweetie how much they mean to you. After you’re done with dinner, take your date to the special place where the rose and letter are. Let them stumble upon it.

2) Take your sweetie back to where the two of you first met or had your first kiss. Take along a video camera and interview them about that first day.

3) Take a trip to the beach or lake and have a picnic by the water. Afterwards, take a long walk along the shore. When the sun starts to set…throw down a blanket and watch it as you’re sitting side by side.

4) Tell your sweetie that you’ve planned a surprise date. Instruct them to show up at your house dressed to impress at a certain time.

Greet them at the door in your classiest outfit. Have food from their favorite restaurant (order takeout) on the dining room table. Have your living room set up as a dance floor with candles all around. Have your favorite love songs playing in the background.

5) Pretend you’re an old married couple. Go to the grocery store together and buy ingredients for the full course meal the two of you are going to make. After dinner, you guys can snuggle up on the couch and watch rented movies.

6) A treasure hunt with you as the treasure. Tell your sweetie to meet you at a pre-arranged location (but don’t tell them what they’re about to do). When they get there…have a letter or note waiting for them that explains the treasure hunt. Give them directions that lead to the next clue. Do this about 4-5 times. Leave lollipops and chocolate kisses and gifts at each location. When they finally get to you, be waiting with a rose. After this…take them out to dinner or lunch at their favorite restaurant.

7) Make a photo album of yourselves. Get all decked out in your best clothes and go to your town’s landmarks and have passersby take your picture. Get the film developed in double exposures at a one hour photolab. Take the pictures and make his and hers photo albums.

8) Drive-in movie. Though they’re hard to find…track one down.

9) Pretend you’re a savvy swinging couple. Get dressed up: her in a dress….him in a coat and tie. Have dinner at a posh or fancy restaurant. Afterwards, go for a romantic walk in a local rose garden.

Consolidating Student Loans Made Easy!

Student consolidation loans can be considered as a very viable way of easing the burden of accumulating debt especially among students who are more or less dependent on the money sent by their parents. For most students, taking out just one loan to fund their 강남오피 higher education expenses is not really feasible. With the rising cost of college education coupled with the accompanying rise in supplemental 오피후기 expenses (school supplies, assorted fees, cost of living and dormitory fees) a single loan will not be able to provide the kind of financial assistance ㅇㅍ후기 that is needed by students.

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These reasons compel most students to draw out more than one student loan in the course of their higher studies. It would not be surprising to see students having more than two student loans under their name. The problems arise when it comes time to pay off the loan. After a student graduates, he will not only contend with paying off his student loans but also with bills and other debts that he may incur over the course of his career. Juggling so many bills and loan payments could be too much to handle and it would not be far fetched to actually forget payment dates or worse, not have enough cash to service the student loans.

This is where a student consolidation loan can be of much help. By consolidating all of the student loans into one loan, a number of benefits can be enjoyed. First off, a consolidated loan means that instead of paying off many loans, you only have to deal with one monthly payment. Second, interest rates can be significantly reduced saving you more money to service other bills and debts. A student consolidation loan is an instrument that should be taken into consideration especially if you want to simplify how you handle your debts.

Please note: all above information is not an advice. Before you make ANY financial decisions please contact with your financial adviser. Your financial adviser can keep up with changing federal regulations regarding to student loans.

Consolidating Multiple Loans

If over time you have accumulated multiple loans it may be wise to consider consolidating those loans into one single loan. There are a variety of ways in which this may be accomplished.

Student Loans
Multiple student loans must be handled in different ways depending upon whether they were funded originally as private loans based on personal credit or as federally insured loans. Private student loans may be consolidated in the same way that any private loans are consolidated. Federally insured student loans were placed with a private institution but they were guaranteed against default by the federal government. This type of loan has strict guidelines about how and when it can be consolidated.

A federally insured student loan cannot be consolidated with credit card debt or any other kind of consumer debt. Private student loans may in some cases be consolidated with federally insured student loans but doing so is highly inadvisable. Once a private student loan has been consolidated with a federally insured student loan it then falls under the same strict guidelines as the federal loan.

Further, federally funded student loans will only be consolidated at an interest rate equal to the weighted average of the rates on all the loans being consolidated. At present that rate is capped at 8.25% but with all interest rates on the rise, this cap may soon be increased. In addition, loans must be consolidated within a certain time period after the student either graduates or leaves school without graduating. Also, federally insured student loans cannot be consolidated a second time unless a newly funded student loan is rolled in with the loans that were previously consolidated.

Multiple Home Mortgage Loans
If your home currently carries both a first and a second mortgage you may want to think about consolidating the two. This is especially true if your credit is good and the interest rates on the current mortgages are more than two percent higher than current mortgage rates. However, there are other factors to be pondered when considering this type of loan consolidation.

Refinancing your home carries certain closing costs. In order to avoid having to pay any out of pocket costs, these closing costs will be financed as part of your new consolidated mortgage loan. You should examine the affect that the refinancing will have on the cost you pay over the lifer of the loan. Consolidating your home mortgage or refinancing that mortgage multiple times can actually be more costly than just sitting with the current loans. This is especially true if you will not be staying in your home more than three to five years.

Multiple Personal Loans
You would choose to consolidate multiple personal loans for the same reason you would consolidate multiple home mortgage loans; that is, if the interest rates you are currently paying are significantly above the currently available interest rates. Again, in order for a loan consolidation of this sort to be viable, you must have good credit and the cost of the multiple loan consolidation must not outweigh the savings you would accrue.

Consolidating Debts The Secured Way

There is nothing out of the way about securing loans anymore. When it comes to financing a rather large investment, more and more people decide to take on a loan rather than postpone the investment till they have saved up enough. When people decide to buy a car these days, they immediately see to it that they learn all about the kinds of car finance that are available. Where a house purchase is concerned, people instantly think of going in for a mortgage to help them fund their expenses. It helps that the various loan providers of our world have become increasingly customer friendly. We no longer have to worry about whether or not we will be able to secure a loan. The rates of interest that are offered are not disproportionately high. We can a number of loans simultaneously. And loan providers come up with all kinds of offers that are bound to be appealing to the borrower in the twenty-first century.

Of course, the ease with which people have begun to secure loans has ensured that a number of debt-related problems have also begun to make their presence felt. People are now being over-burdened by the number of loans being advanced to them. Multiple loans taken on at a time lead to difficulties in repaying the various debts. Keeping track of various different loans tends to be rather problematic. It can also be a costly proposition to pay off various amounts as interest and installment on a number of miscellaneous loans. Keeping tabs on one’s income and one’s debt expenditure can easily be a big problem. This is where debt consolidation comes in.

Debt consolidation is a great way to get rid of one’s old debts. There are several other methods of repaying one’s debt. One can take on an unsecured loan or try to get a cash advance on one’s credit card, but a debt consolidation loan tends to be considerably cheaper. The rates of interest charged by debt consolidation loans are significantly lower than those charged by other kinds of loans or credit card dues. A debt consolidation loan is certainly terrific for clubbing all of one’s debts under a single umbrella and paying a single consolidated installment and a single rate of interest.

Even among debt consolidation loans, there are options. A secured debt consolidation loan is usually a better deal than unsecured ones. This is because a secured loan is usually less risky for the lender and the interest rates they charge are significantly lower. Thus, it is advisable to apply for a homeowner’s loan.

Consolidating Debt Using Debt Management

Is consolidating debt through debt management and credit counseling good? Most people in our society live from payday to payday. Most people never see where their money goes the day after being paid for a month worth of work. Most of them have serious financial problems and are very close to declaring bankruptcy. Is this something you need to do or would you prefer to recover your good standing? What you might need is debt consolidation.

Understanding debt consolidation is important. The first thing it does is to stop creditors from calling you and demanding money. It can possibly reduce your payments and bundle them into one repayment per month. It may also help you avoid bankruptcy. Then you can rebuild your credit and get on with life.

If your monthly outgoings are becoming overpowering, debt consolidation may be what you need. It can help stop those large late repayment charges and any added interest. Also, you may need to use this service if your monthly repayments do not reduce the amount of your balance. Most importantly, though, debt consolidation improves your credit and helps you to avoid filing for bankruptcy.

Another helpful way to secure a debt consolidation loan is to use the equity within your home. This will allow payment of one creditor each month. It can also get you extra cash and relieve the stress by consolidating all your debts into one repayment. Ultimately this type of loan will make you more assertive about making your repayments, as you will be aware that defaulting may lose you your home.

Lastly, if a debt consolidation loan is what you require then you should search for a respectable and trusted debt consolidation firm. You should avoid the firms, loan sharks, which offer such loans with huge interest rates, because you will be charged double the service fees and the monthly repayment terms will be harsh. These are not the types of companies you should consider. Preferably you should opt for a non-profit company or lender that will give you much better options in regards to debt consolidation loans. You should only trust the security of your home and an equity-style debt consolidation loan to reputable companies because the loss of your home will make your situation worse and further damage your credit.

When choosing a 오피후기 non-profit lender for your loan you should still make sure you understand the terms and conditions, the interest rates they suggest, any fees they will charge, and the time period ㅇㅍ후기 for repayment. You should feel at ease before signing any documentation before securing such a loan.

Finally, if you do have a full-time job, you may not need to use your house as collateral. Debt consolidation firms can 강남오피 give some relief and create a more comfortable deal for you.

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Consider Using A Dating Service

There are many people in the world that are looking for that special someone to share their life with. In fact, as a counselor, I meet with countless people everyday who are looking for love and are just not sure where to find it. I have learned that people are somewhat desperate to find true love and that they will often go to extreme measures to find someone special. One method that I often suggest to my clients is using a dating service.

If you asked me ten years ago if I would ever suggest that people use a dating service, I would have definitely said no. I would have said that people need to find their special someone on their own and that a dating service is just a phony way that people are using to try to make money. But I have seen multiple clients try a dating service and find great success. They met amazing people and are all settled and married with children.

If you are thinking about using a dating service, then do so with caution. While there are many great dating services out there, there are also a lot of poor services that only seek to get your money and keep you hooked on the hope of finding true love with people that don’t really exist in their dating service. So be careful that you take time and do research to find a great dating service.

Ask your friends or people you know that have used a dating service with success for their suggestions. Proceed with caution in this process and realize that no dating relationship will ever fulfill you until you are fulfilled within yourself. That is one of the biggest misunderstandings people have of relationships is that they will find satisfaction and completeness in a relationship. I always work to teach my clients about taking the time to learn themselves and to learn the things that they are passionate about.

A dating service can be a great way for solid people to meet one another and to begin exploring romantic relationships. Call and research dating services in your area and also do online searches to learn more. Proceed with caution and be sure of your expectations before you begin any experiences with a dating services.

If you are unfulfilled with your current life, than try out a dating service or two and see what can become of your life and your relationships. You have nothing to lose and a whole lot to gain, so check out a dating service today.