New Book Polls 50,000 American Couples for Keys to Happy Marriage
The trio analyzed data and feedback from 50,000 American couples. Based on their marital satisfaction, the team separated happy couples from unhappy couples and determined what makes each so different. The trio discovered that conflicts over money and finances have never been more heated and threatening - with many couples reporting it is their sole source of marital stress.
Even in good times, money is a major source of conflict and a multilayered problem for couples. When times are tough, when jobs are difficult to find and food and gas prices continue to shock, a couple's happiness is at risk.
The groundbreaking study of American relationships - what makes them healthy and what makes them break - is published in the team's just released book ''
The project was headed by renowned Minneapolis psychologist and Professor Emeritus at the University of Minnesota, Dr. David Olson. Founder of
The media has sought the advice of financial experts on how to cope with the economy - but few have sought the advice of marriage counselors to gauge the marital impact. The Minneapolis team can offer solid, real life solutions to keeping a marriage healthy amid economic turmoil.
News that nearly 700,000 people are on waiting lists for affordable housing in rural England underlines the importance of not only building and making available more homes for an increasing number unable to get on the property ladder, but serves as a reminder to insurers that they must offer products to help those in shared ownership schemes keep their long-awaited homes, says PPI lobbyist Sara-Ann Burgess from Burgesses.
Braintree, Essex (
She comments: "We've heard this week that over the last five years, the number of people waiting for an affordable home in country areas has risen by 37% - up from 507,757 in 2003 to 695,735 last year. In certain areas, around 11% of the local population are on a waiting list for affordable homes and it's reported that some people would have to borrow up to 24 times their annual income to get a mortgage.
"It's no surprise to find demand for part-buy and part-rent schemes spiralling out of control and the Government must move quickly to address this. However, what worries me is that when more properties are available and people move into their homes, they have very little in the way of Payment Protection Insurance to protect their financial commitments and payout should accident, sickness or unemployment occur."
Only one independent provider, British Insurance, offers
Sara-Ann continues: "We know more people are opting for and waiting for the opportunity to take part in shared ownership schemes, so insurers must recognise this and introduce products that meet their needs. Those with fewer savings, who are often more financially vulnerable, should have access to products that will help them keep their homes should they lose their jobs."
According to the National Housing Federation, 70,000 new affordable homes are needed in England each year to meet existing and future requirements. The NHF, in conjunction with the Campaign to Protect Rural England, recently launched a Charter - Save Rural England, Build Affordable Houses - to kick-start the Government into more proactively addressing the needs of those on lower incomes in rural areas who will never be able to meet the lending criteria for mortgages.
Sara-Ann concludes: "As well as a Charter to ensure all areas of the UK have access to more affordable housing, I'd like to see a Charter that ensures all householders across the UK have access to a wider range of Payment Protection Insurance products. In the same way, those in rural areas are being denied access to affordable homes; those in shared ownership schemes are being denied access to a financial safety net."
In a sampling of self-directed IRA holders, Guidant Financial Group discovered that 86% had not made any major changes to their investment portfolios due to the current mortgage crisis.
Bellevue, WA (
"On the surface, this percentage seems unusually high, especially in light of the floundering housing market," says Guidant's CEO David Nilssen, who points out that many of Guidant's clients are still investing their IRA funds in real estate. "However, we've seen that those who roll funds into a self-directed IRA are particularly cautious investors seeking ways to lessen risk."
According to Nilssen, Guidant's clients can use the company's self-directed IRA vehicle to invest their retirement funds into both traditional and non-traditional assets, and this ability to diversify their portfolio has helped them avoid the downside of volatile securities and housing markets.
"Many of these account holders had already diversified their investments in order to avoid the dangers of betting all their money on one 'horse,' says Nilssen. "So when the housing bust hit, they were already in pretty secure positions, especially since their real estate assets were primarily long-term investments."
About Guidant Financial Group
Guidant Financial Group is the premier provider of self-directed IRAs and business-funding solutions through IRAs and 401(k)s. Guidant's services allow investors the freedom to make investments in real estate, franchises, businesses, tax liens and more by accessing their retirement accounts without penalty before retirement age. For more information on
Contact: Katie Lawrence
Phone: 888.472.4455 ext. 3212