Three Types of Men You Should Steer Clear From

Dating and becoming romantically involved can be quite an adventure. It is a journey that should be uplifting, spiritual, and wonderful. However, not all situations are fine and dandy. Some women and men end up in the same terrible situations over and over again. It is important to recognize the signs, so that you can steer clear away from men that do not enhance your life or provide a foundation for a future together.

The Workaholic

It is great to love your job and be able to make money, but it is a different story when you love your job too much that you would rather work than make time for anything else. There are some men in this world that do not care about creating a family or spending time with family. Chances are, if the guy you are interested in is working 80 hours a week and does not have time for his own friends or family, what makes you think he will make time for you? You have to look at the big picture for the long haul. Choosing a workaholic will leave you lonely many nights.

The Womanizer or Manizer

Men who are constantly checking out other women or men is not a good sign when it comes to a long-term or meaningful relationship. These types of men are not the commitment or faithful type. They may be handsome, charming, and very well mannered at first, but you must look past all that and notice the red flags. Otherwise, you will find yourself in a one way relationship, which will leave you brokenhearted in the end.

The Abuser

Whether it is emotional or physical abuse, it is wrong and no relationship or person should have to suffer through this kind of treatment. The sad thing is that many women and men feel like they can change the person they are with. You must understand that you can not change anyone but yourself. It just is not possible. You can not fix a person and think that everything is going to be peaches and cream. Someone who is abusive needs professional help because it goes beyond just what you see on the outside.

If you steer clear from these types of men, then you will never have to worry about being less than a priority in someone’s life. You will also be free from betrayal and abuse, which is so common in relationships nowadays because people settle for mediocrity and feel like they do not deserve better. It is a sad cycle that must be stopped.…

What Bond Or Cd Is Right For Your Portfolio?

By Larry Lane for www.Investorzoo.com

Need to know where to invest a portion of your investment portfolio in relative safety? The investment world has a plethora of investment choices. Bonds can be an ideal investment for those seeking safety. As with all investments, the security is only as good as the company or government backing the bond. Below are some fixed income financial instruments that may fit your investment criteria.

Cds                                                  

Are you looking for a safe guaranteed investment? Certificates of deposits from an FDIC bank will provide you with a guaranteed return in the form of an interest payment every three months for the term of the CD purchased. You then get your principal back at maturity. If you have a CD at a FDIC member bank, you are guaranteed the principal and interest by the federal government. These are considered the safest investment and thus usually pay the smallest yield. Cds can start in terms of 6 months and go out to several years. The longer you agree to tie up your money with your chosen bank, the higher the return.

US Government Treasuries   

Unless the US government goes bankrupt, US Treasury are a direct obligation of the United States government and are considered the gold standard as far as safety is concerned.

Treasury bills              

Treasury bills are issued in minimum denominations of $10,000 and are short term in nature; maturing in a year or less. They are sold at auction for less than their face value. The common term is “par”. When the bond becomes due, their full value is paid.

Treasury notes     

Notes are issued in minimum amounts of $1000 and mature in two to ten years. They carry a stated interest rate which is paid semiannually. Treasury notes are purchased through an auction and can be purchased at or below face value.

TIPS: Treasury Inflation Protected Securities      

Commonly known as “TIPS” are securities whose principal is adjusted by changes in the Consumer Price Index. With inflation rises, the principal increases. Conversly, when there is deflation, the principal payment decreases.

The relationship between TIPS and the Consumer Price Index (CPI) affects both the sum you are paid when your TIPS matures as well as the amount of interest that a TIPS pays you every six months. TIPS pay interest at a fixed rate. Because the rate is applied to the adjusted principal, however, interest payments can vary in amount from one period to the next. At the maturity of a TIPS, you receive the adjusted principal or the original principal, whichever is greater. This provision protects you against deflation.The US Treasury provides TIPS Inflation Index Ratios which will allow those interested to calculate the change to principal resulting from changes in the Consumer Price Index.

How to buy TIPS                                         

TIPS are sold directly through the Treasury, banks, brokers, and dealers. The price of a TIPS can be less than, equal to, or greater than the face value.

You can bid for TIPS in either of two