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Wednesday 30 November 2022

22 Signs of True Love in a Relationship

 Do you want to know if there is true love that exists within your romantic relationship? The following signs will give you confidence that the love you and your partner have in your relationship is real.

1. There is a sense of sacrifice.

You are ready to give up your comfort zone, important possessions, self-centered ambitions, and even your own happiness to make your partner happy and your relationship healthy.

2. There is no selfishness.

There is only a partnership. You think, decide and act not only for yourself but for your relationship. You treat each other as two people united as one in heart, mind and soul.

3. You learn how to love yourself.

You don’t hurt yourself because you can recognize your importance to the one you love. You understand that if you hurt yourself, you are also hurting your partner and relationship.

4. There’s mutual respect.

You value each other despite your differences. The man is respected as a man and the woman is respected as a woman. You listen to each other’s opinions, and when there’s a difference, you both agree to work it out and remain happy in your relationship.

5. When love and hate collide, love survives.

In other words, even when you’re mad at your partner, your love for him/her doesn’t falter. You never stop caring and ensuring that your significant other is always well.

6. You enjoy love with the truth.

Lying is not an option. Honesty is always practiced and it has already become a habit in your relationship. You and your partner enjoy it, as it helps both of you get rid of jealousy and insecurities.

7. Hardships make you more patient.

Troubles and problems in a relationship usually destroy people’s patience. But in your case, those crises make you and your loved one even stronger and more patient.

8. You trust each other.

You don’t have any reason to doubt your partner (and vice versa) because you do not only trust each other but also strive to be trustworthy with each other.

9. Hope is never lost.

No matter how big your relationship problems are, no matter how dark your future seems to be, you always feel positive and see a light for tomorrow.

10. Faith is based on actions.

Your hope and trust are not just false beliefs. You trust each other and you hope for the future because you both act and work hard to gain confidence that your hope and faith will not be in vain.

11. There is consistency.

You do not only say I love you, you do not only practice what you say, but you also practice it constantly. It’s like both of you were born to love and take care each of other with a cheerful heart for the rest of your life.

12. There is growth.

Your childish acts are starting to go away. You are becoming more mature. You and your partner do not already argue over trivial things. Instead, you focus on each other’s personal development, as well as the growth of your relationship.

13. You can be happy with humility.

You can easily swallow your pride. You don’t need fame, attention, or recognition to satisfy yourself. You can be happy living a peaceful and modest life with your loved one.

14. You always want what’s good for your partner.

Kindness is overflowing from your heart. Hurting your partner never comes into your thoughts. You are kind, gentle, generous and compassionate enough to always make your significant other happy.

15. You always do the right thing.

You have no room for committing sins. You keep yourself away from vices and other wrongdoings that can possibly destroy yourself, your partner and your relationship. You love wisdom, while you hate foolishness.

16. You are not afraid to be hurt.

You are giving your pure love to your significant other without the fear of receiving nothing in return. You are not afraid of being left or hurt by your partner in the future. Your focus is on the present moment and how you can truly love your partner and make him/her happy while the two of you are in a relationship.

17. Your relationship makes you complete.

It feels like you don’t need to daydream anymore because your greatest dream, that is to be happy together with your special one, is now a reality. Envy is not in your vocabulary anymore. Your life feels fulfilled, especially when you see that your loved one is smiling and truly happy.

18. You forgive each other.

Mercy and grace are at your hands. You do not plant hatred or bitterness inside your heart. You listen to each other. You don’t dwell in the past. You know how to forgive each other’s sins and move forward to make your relationship stronger and healthier.

19. Time can’t defy your love.

You can easily cancel your business meetings, work schedule and other things to do in your timetable just to be with each other’s side. When you are with your significant other, it’s like time has stopped running.

20. Distance is not a barrier.

Long-distance doesn’t stop you from loving your partner. It doesn’t also stop the two of you from being sweet, loyal, trusting and faithful to each other. A little bit of opportunity would make you pack your bags and embark on a long journey just to see your beloved one.

21. You do not love money.

You do not argue over money. You use it and consider its value but it’s nothing compared to the importance of your relationship with him/her. You can let go of your hard-earned money just to give that gift that will make your partner truly happy. You can give up financial profit just to give your loved one the most important gifts he/she wants to receive – your precious time and moment.

22. The love seems to last forever.

The love you feel for each other still remains a mystery. It’s like it was formed even before you were born. It seems that it doesn’t have a beginning and also an ending.

Victorino Q. Abrugar

100 Questions That’ll Help You *Really* Get to Know Someone

 No more convos about the weather, plz.

There’s nothing quite as exciting as dating someone new. From the thrilling firsts—like romantic trips away and using cute nicknames—to the everyday moments like cuddling on the couch and good-night texts, the feel-good vibes are typically out in full force during the initial stages of any situationship. But if you ever plan to get past the honeymoon stage, you need to take some time to get to know each other on a deeper, more intimate level. While sure, exploring each other sexually is great, exploring each other emotionally is equally important. And asking questions to get to know someone is a great way to build that bond and create what could become a lasting connection.

The key here is to ask questions that reveal the tiny little things that make your partner them. You don’t need to have another convo about the forecast or whatever you watched on TV last night. Instead, hit on topics that dig a lil deeper, promote stimulating discussions, and help you understand each other a bit better.

Quick disclaimer: You do have to enter into serious, personal territory to really connect, but not all the questions have to unpack past trauma and lead to tears. They should, however, all be engaging and require more than a “yes” or “no” response. The goal is simple: Get them talking.

If you’re feeling stumped, we’ve consulted with dating and relationship experts on the best questions to ask when you really want to get to know someone. Not only do these work for romantic relationships, but they’re great to talk about with your friends, parents, strangers on a plane—you name it! Whatever the situation, here are the top 100 Qs to ask so you’ll never have to talk about the weather again!

1. What’s one question you wish more people asked you?

This simple Q tells you what they enjoy talking about, what may be their passion, and as a bonus, “this gives the individual a very open-ended approach to share things that may be hard to prompt,” says licensed psychologist Carly Claney, PhD.

2. What makes you feel accomplished?

We all measure accomplishments differently, and you typically value the things that make you feel accomplished. So whether it’s receiving praise at work, protesting for a good cause or reaching a fitness milestone, this is a good indication of what makes them feel fulfilled and successful.

3. Did you have a childhood best friend growing up?

Asking about someone’s early years can feel like a lot, so instead, ask about a (likely) positive source of comfort from their younger days. Childhood BFFs can majorly shape us as people, so this might cue you into why they went into their specific line of work or why they love watching movies on Saturday mornings. Besides, it’s always sweet to see someone get that far-off, nostalgic look in their eyes when talking about a friend.

4. What’s your strangest talent?

It’s usually easier (not to mention more fun) for people to talk about their talents when it’s a little less “I’m really good at public speaking” and a little more “I can balance stuff on my head.” Not only will you likely get a show (I mean come on—you’re a good balancer? Show me now!), but throwing this Q into the mix after a few heavier questions will also keep things balanced.

5. Do you have any spiritual beliefs?

Some people might connect over religion right off the bat, but others might have spiritual beliefs that aren’t as out in the open. Sure, this can give you insight into whether you’ll be expected at midnight mass should you end up together, but it can also shine some light on the guiding force behind many of their actions and morals.

6. Do you believe in life after death?

This might be an obvious answer based on the above question’s answer, but plenty of people have beliefs outside of religion. This can be extremely insightful and personal, so make sure to actively listen to their answer and don’t try to talk them out of their beliefs. If you want a fun follow-up, ask them what their version of heaven would look like. It’s puppies, loved ones, and lots of pizza rolls behind those pearly gates for me!

7. What’s your go-to karaoke song?

Some people love public singing and others would rather sit on the sidelines, so sure, you’ll get that answer v quickly. But either way, try to phrase this as a “you have to sing” kind of thing. Which song do they know every word to, and why is that song such a big deal to them? If things are going well, you can absolutely request a performance then and there for a playful vibe change. Just be ready to mic up as well for a spontaneous rendition of “Toxic.”

8. What’s the last dream you remember?

...or what’s the last dream they remember that they’re comfortable sharing? Dreams can get weird, y’all, but oftentimes, they cue you into what your subconscious is trying to work through. Make a non-judgment rule so you can discuss your dreams freely without fighting over the fact that one of you had a sex dream about Jim Carrey’s Ace Ventura.

9. What’s the *best* dream you remember?

The definition of a “good dream” really varies depending on the person, their mood, and their values, so while this question seems a little silly, it’s actually pretty deep. Whether their favorite dream was when they got to spend time with their grandmother who had passed away years before or got to live in a house made of cheese, you’ll get some good intel.

10. Do you have a life motto?

If someone has a mantra, that’s one of the greatest indicators of how they *want* to live their life, so pay attention to what they say and see how it aligns with your own goals. Are they a “live fast, die young” or a “slow and steady wins the race” type? There's a biiiiig difference in how those two people will likely want to spend their future.

11. What’s your favorite snack food?

This is one of the questions that separate the health nuts from the junk queens. Clashing over diet and food preferences can make picking a place to eat or stocking the fridge a major headache down the line (but don’t worry—it’s not a make-or-break. Relationships are all about compromise after all). On the flip side, however, you may learn about a yummy new treat or discover you both have a weakness for Cool Ranch Doritos.

12. Cats or dogs?

Cat and dog people can coexist, but for many of us, a future without a furry friend isn’t a future at all. That’s why learning where your S.O. stands on the matter is pretty major. P.S. This question can likely lead to stories of past pets, so get the tissues out and be prepared to feel your heart melt.

13. Did you have pets growing up?

If you didn’t get the details about their history with pets in the above question, ask away! Sure, you’ll get more insight about their stance on wet noses and litter boxes, but more importantly, asking someone about pets growing up is an easy way to segue into chatting about their childhood.

14. Are you an introvert or an extrovert?

Learning whether your partner feels energized around people or when solo chilling is major since neither of you wants to be depleted when making plans. Also! It’s important to remember being extroverted isn’t the same thing as being outgoing, so your partner might be chatty, but they might still think of themselves as introverted because they need plenty of alone time to recharge.

15. What’s the next big purchase you want to make?

Finances are one of the biggest things couples fight about, so having a similar viewpoint surrounding how to spend (and save) money is vital to most relationships. If your partner has been saving up for a new laptop to replace their seven-year-old model: Great! If they want to buy a new gadget because they’re already bored of the one they got a few weeks ago? Not necessarily as great.

16. What’s the best dish you can cook?

This is more telling than asking someone if they *can*, and it’ll give you insight as to how good of a chef they really are. Let’s face it: Mastering cereal is different from mastering Julia Child’s boeuf bourguignon. Regardless of their culinary prowess, cooking is an act of passion and a way to express love for many people, so if they ever offer to whip something up for you, there's likely more meaning to the meal than just sustenance.

17. What’s your dream car?

First, this will let you know whether or not you’re dealing with someone who loves the Fast and Furious franchise *shudders*. But even more importantly, it shows you how they place value on themselves and the world around them. Do they want a flashy sports car for confidence? Are they aching to go electric for the environment? Or do they just want something that’ll get them from point A to point B?

18. Do you want to stay in your current work role for a while?

Asking someone about their work is sticky because hi, it’s work. So instead of something abstract like if they like their job, asking if they plan to stay in their role for a while is easier to answer. Plus, if you’re looking for a partner who’s at a consistent place in their life, this will give you insight as to whether a major life change is on the horizon, career-wise.

19. What’s your favorite conspiracy theory?

From the happenings at Area 51 to the moon landing, everyone’s got a conspiracy they can’t wait to talk about. Sure, this might give you an idea about whether or not you’ll be watching unexplained mystery documentaries for the rest of your life, but more importantly, it’s a purely fun question that keeps things from feeling too interview-y.

20. Describe yourself in three words.

The ~tell me about yourself~ question is basically a conversation ender, but by limiting your personal descriptions to just three words, you don’t have to feel like you’re giving an elevator pitch. And if they’re really struggling to come up with something, ask them to describe their “today self” in three words instead.

21. What’s the best way to wake up in the morning?

Whether they’re a 5 a.m.-er who runs or a 9 a.m.-er who snoozes 10 times, morning routines are sacred for many. Now’s the time to figure out if your ideal mornings align or clash. And if they don’t have a special way to start the day, maybe you can help them come up with one? *wiggles eyebrows suggestively*

22. Oh, no! There’s a spider in the house. What’s the move?

There’s a lot to be said about how someone interacts with small challenges and fears. Does the hero cape come on or does the fear take over? Also, if you find yourself in the company of someone who saves the spider and releases it outside (aww!), hang onto them tight since they clearly aren’t afraid of doing the right thing, even if it’s a tad uncomfy.

23. How do you feel about reality TV?

Reality TV can be kinda polarizing, and while some people love it (hi, it’s me), others aren’t as about it, so find out if your viewing preferences align. Also: This question can result in either a lively discussion about the merits of the genre or hours spent comparing your favorite Bachelor contestants, either of which is bound to be a fascinating convo.

24. What was the best trip you’ve ever been on?

There are a whole lotta ways you can vacation, so see if their idea of a chill break is the same as yours. Ideally, you’ll both find similar types of trips alluring, but even if not, pay attention to what it is they really liked about their best vacay ever. Was it the destination? The company? The food? This will reveal what they value in their time off.

25. Do you play board games?

Nope, not a super-deep question, but definitely a favorite to ask. Board games are an epic—and screen-free!—way to connect, so finding someone who shares your affinity for ~Free Parking~ is pretty special. If they’re not a board gamer, maybe you can teach them a thing or two, and if they are into games, you can discuss the unlikely merits of having a sheep port in Settlers of Catan.

26. Where are you most likely to be at a party?

There’s nothing worst than going to a party and turning to find the person you arrived with is MIA. You don’t have to have the same social-setting mentality, but knowing how each other functions and flourishes at parties is supes helpful. You’ll learn how they feel about social situations, and for future reference, you’ll know that if you can’t find them, they’re likely playing flip cup or petting the host’s dog in the off-the-limits bedroom.

27. What’s your biggest pet peeve?

Pet peeves can honestly wear down even the most levelheaded person, so you might as well learn about each other’s simple frustrations as early as possible. From the toilet paper hanging wrong to hearing someone bite the fork when they chew, discovering those peeves—and then trying to avoid them for each other—is a simple way to show you care.

28. If you could have dinner with one person (living or dead), who would it be?

This is such a fun question because it almost always leads to insightful conversations. Some people choose to dine with a deceased relative or historical figure, while others pick inspirational creators or famous celebrities. Be sure to ask them *why* they selected their chosen dinner guest to better understand what they admire in others.

29. What was the worst phase in your life?

Maybe it was the time they got bangs, or perhaps it was the three years when they moved five different times. We all have ups and downs, but learning about your partner’s (or potential partner’s) “worst phase” can help you prepare for future obstacles and understand how different situations might trigger or affect them.

30. What would you do if you won the lottery?

From paying off student loans to setting their parents up with a house or simply blowing it all on trips and (v expensive) treats, there’s a whole lot you could do with a giant sum of money. While you shouldn’t take their answer *too* seriously (this is hypothetical, after all), this will likely shine a lil light on their values and nature of giving.

31. If you were an animal, what animal would you be?

This is a fun one because the person might base their animal on aesthetics, size, personality—anything here goes. Yes, it’s a silly Q, but it actually shows what the person sees as their defining features, whether inwardly or outwardly.

32. What animal would you *want* to be?

You know what animal they would be, but now find out what they’d like to be. Dreaming of being super strong or fast like a cheetah might indicate they want to propel themselves to greatness, while choosing an animal that’s more mild-mannered like a bird might indicate they just want to coast and enjoy the view.

33. Would you prefer to go camping or chill at a resort?

There are two types of people: those who love to camp and those who don’t. While everyone should probably sleep in a tent at least once for, like, life experience, beyond that, it’s a total preference thing. And being with someone who wants to sleep outside every weekend when you’d prefer to be posted up at a bougie hotel pool is good to know so you can plan your future vacation days accordingly.

34. Did you have a favorite toy growing up?

Even the toughest of folks likely had a cuddly lil bear growing up, and exchanging stories of your favorite toy is a sweet way to relax the vibe. If they’re struggling to pick a favorite stuffed animal or doll, ask instead about the best gift they ever received as a kid.

35. What do most people overestimate or underestimate about you?

You know what they say about assumptions, right? This question shows how your (potential) partner would like to be perceived and how they feel the world’s view of themselves aligns with their own.

36. Have you ever lost someone close to you?

It’s a hard conversation to have, but losing a friend or loved one can really shape someone as a person. Practice active listening and be mindful if they’re not ready to go into detail. When they do open up about their loss, make an effort to remember the details and be cognizant of dates/reminders that could spur on memories or feelings of loss.

37. What’s a moment you’d love to be a fly on the wall for?

Here’s how to figure out what types of moments totally wow your date. Some people might lean toward historically significant events, whereas others might like to see something from their family’s lineage or watch an especially important moment in their life back. Be sure to ask follow-up questions to really understand what draws them to that scene.

38. How did your family connect growing up?

Since childhood traditions can easily blend into adulthood, how their family bonded growing up could be a major way they like to form bonds now. For some people, that might mean playing Monopoly. For others, maybe it’s eating dinner together every night or watching TV together in the evenings. If that connection style still feels good, you now have a secret weapon for creating close feelings with ’em.

39. What scrambles your brain every time you think about it?

If it’s anything other than black holes, they’re probably lying (I mean—come on! What is happening there?!). No, tbh, chatting about those things that just turn your mind into scrambled eggs is actually a lot of fun. You get to learn a little more about what things they ponder over and how their brain works, and you get to take turns attempting to unravel each other’s greatest mysteries.

40. Are you a better talker or listener?

Sure, the question itself is interesting, but it’s how they answer it that really shows the answer. Do they launch into an eloquent and thought-provoking response or do they turn it back on you and listen closely? It’s like an inception question.

41. What’s your “and then it got worse” story?

Whether it was a travel trip from hell or a group project that cost them a passing grade, everyone’s got a story where things just keep going wrong. As they share, pay attention to their body language—are they tense? Laughing? This could indicate how they’d handle future situations where things go awry.

42. What are you most determined to accomplish?

This question is like a double question, because sure, you’ll learn about their largest and most current goal, but you’ll also get an idea of where their priorities lie. If they’re striving for that big promotion, work is major right now, but if they want to run a marathon or buy a house, health and stability might be what they’re working toward.

43. What’s your favorite season and why?

Are you going to be hosting BBQs in the summer or Halloween parties in the fall? No, it’s not super deep, but this is a date, not a therapy session. Throw some fun ones in the mix to keep things balanced.

44. What do you hoard?

Maybe it’s memories, maybe it’s cat mugs. Their answer to this Q can tell you what holds true value to them. Also! If they’re a legit hoarder, it’s probably a good idea to know that sooner rather than later so you can address it. Just saying.

45. What year was your favorite birthday?

Was it the year their friends threw them a huge surprise party, or the year they spent alone, drinking beer and reading a book? Sure, this can help you come up with ideas down the line, but more importantly, it gives you an idea of what makes them feel special.

46. What’s your favorite way to spend a day off?

If you’re the kind of person who wants to spend your weekends relaxing with some wine instead of waking up early to go hiking, it’s a good idea to see if your future partner’s on the same page.

47. What’s your favorite part of the workday?

Granted, plenty of people aren’t the biggest fans of clocking into their jobs, but are you with an optimist or a pessimist? Regardless of how much your job sucks, there’s probably something good about it—even if it’s just the iced coffee that makes you 15 minutes late every morning or the check that pays for your shoe obsession. This can clue you in to whether you not you’d be listening to work complaints every day for the rest of your life if you end up together.

48. Have you ever been to a family reunion?

Not only will this give you deets about their extended family (and if you’ll be expected to go to their grandma’s house every 4th of July), but it can also be how you learn if they have a secret castle in England or is the heir to the Toaster Strudel fortune.

49. Where would you be happiest to live?

First of all, it sucks to start getting serious about someone only for them to move across the country because they always wanted to live in Colorado. Potential LDRs aside, someone’s dream location will probably give you a good idea of what sort of environment makes them happiest.

50. Have you ever read a book that changed your life?

Especially if you’re a reader, this is a super powerful question. Books tend to be extremely personal, and knowing what genres they like and what stories moved them can give you a deep insight into who they are. Plus, you might just get some awesome book recs that you two can chat about on your next date.

51. What age do you feel like?

As someone who feels like a perpetual 12-year-old, this is always an interesting one to ask. Are they an old soul or young at heart? This can also give you an idea of where they are in their life because if they feel older or younger than their age, it might give you an idea of what they’re looking for in a relationship.

52. When was the last time you felt excited? And what was it for or because of?

Licensed marriage and family therapist Billie Tyler suggests following up with questions like “What do you think excites you about that?” and “How do you know you are truly enjoying something?” to dive even deeper.

53. What’s the funniest thing your inner child wants?

Maybe it’s to eat dessert before dinner or twirl around outside while singing at the top of their lungs. Whatever it is, it’s the perfect excuse to do something unique on your date and learn a little more about their playful side.

54. If you ended up in jail, what would your friends and family think you did?

This answer could go one of two ways: It could be funny—like, I’d personally be arrested for robbing a CVS of all of their Reese’s Peanut Butter Cups. But it could also be more serious and bring up events that may have happened in the past.

Just remember: “You want to get into the person’s values, personality, beliefs, and pivotal moments that made them who they are today,” says relationship expert Sophie Mona Pagès, founder of LVRSNFRNDS.

55. What’s your go-to French fry dip?

No, it’s not going to solely determine whether you have a future together, but a shared love of ranch could be the start of a beautiful relationship. Also, whether they are a health nut or feel impassioned about waffle fries over curly fries, this is your chance to learn more about their food habits and drunchie preferences.

56. Have you ever become intensely invested in the fate of a TV show character?

This is more fun to ask than “what’s your favorite show” because it’s a little more nuanced and gives insight into the types of characters that capture your date’s attention. Follow up with questions about why they were interested in the character and how they felt about where their story went (if you’re cool with spoilers, that is).

57. If your life were a movie, what scene would you watch over and over again?

One time a date hit me with this question, and I’ve loved it ever since. It may take the person some time to come up with an answer on the spot, but it’s worth the wait.

58. Thoughts on scary movies?

Apparently, if both of you are into scary movies, this is highly compatible, says marriage and family therapist Kati Marquez Meyers. Oh, and “people who enjoy scary movies tend to enjoy other adrenaline-inducing activities and also tend to identify themselves as risk-takers.”

59. What movie always makes you sad? What movie makes you happy?

Are they a Titanic type of person or a Lincoln type? Might as well know now if you’re going to be faced with a lifetime of falling asleep in theaters or arguing over who gets the remote.

60. What embarrassing moment has stuck with you over the years?

We all have moments that make us want to crawl in a hole and die, but being with someone who can laugh at past missteps is an extremely attractive quality and shows they might be good at letting things go. Just be prepared to dish your embarrassing moments if you bring this up in convo!

61. On a scale of 1 to 10, how well do you seize the day?

Adding a scale makes answering more abstract questions a little easier since chances are their response changes depending on the day, situation, and mood. Listen to their response and the “why” after it as well. Are they working hard to build a foundation for the future, or do they care more about experiencing the now and aren’t as focused on what’s down the line? This can cue you into their goals and how they might align with yours.

62. What would be your last meal?

This is more fun to ask than “what’s your favorite food” and you’ll probably get a better idea of the specific dishes they like. Plus, if this is a love connection, you now have the perfect menu for their birthday or special occasion.

63. What do you like about yourself today?

Some days we feel more confident than others, but it’s always important to take time to remember why you’re awesome. This will also give you some idea of what they value in others, whether it’s that their hair looks good or they spent all morning meal prepping for the week.

64. What is an area of your life where you feel like something is missing?

Meyers adds: “This question inspires self-reflection and invites discussion into your partner’s deeper innate wants, desires, and areas where they might be feeling inadequate.”

65. Does social media make you feel better or worse about yourself?

Are you looking for a partner who will share their life with your followers or someone who’s a little more private? How do you feel about being with someone who spends a lot of time scrolling? Chatting about your opinions and expectations surrounding social media can help determine whether you’ll be compatible down the line. If one of you is always taking selfies and the other doesn’t know how to hashtag, you might find yourselves butting heads.

66. What’s the best decision you’ve made in your life?

We all have a story to tell, and this question specifically gives a glimpse of a person’s past and how they tackle challenges in their life.

67. What’s the best decision you’ve made today?

Do they love that they took a walk? Wore the green shirt? Ordered the pasta instead of a salad? This will give you a glimpse at what they value in the every day. Pro tip: You might want to follow up that this isn’t a trick question so they don’t think they have to answer going on the date with you.

68. Would you consider yourself healed from the past?

This includes whether they’re healed from their past breakup, childhood trauma, a recent conflict at work, etc. “You don’t want to enter a relationship with someone who will project issues of the past onto you that are unrelated to you,” says counselor Sarah E. Williams. “Asking this question can help you determine if they are whole and fully ready to love.”

69. Which traits of your parents do you hope to never gain?

This will give you some insight into their relationship with their family, and it’s a more subtle way of asking about what they value as well. Do they hope to be more present? Better at providing? Do they think their parents are perfect (which could also cause problems down the line)? Pay close attention not only to what they say but how they say it.

70. Which traits of your parents do you hope to adopt?

On the flip side, you want to know whether or not they see the good in people, and what sort of traits they value in others. Do they idolize their parents’ cooking skills? Ability to fix anything? Work ethic? No matter what their relationship is like, there’s a good chance there’s something they admire about their folks.

71. What are your long-term goals?

This is the super-subtle (but actually genius!) way of asking someone what type of relationship they’re looking for. Like, hi, are they envisioning a life full of kids and family vacays, or do they talk of traveling solo with no mention of a long-term romantic partner? While they don’t need to be like, “I WANT TO GET MARRIED NOW,” at least a general future plan that could involve an SO is nice to know before you get in too deep.

72. What are some of your biggest fears?

This can be as simple as spiders and snakes or as deep as commitment, loneliness, and/or abandonment. “This question allows individuals to understand their partner’s vulnerabilities and sharing fears will strengthen the foundation of the relationship,” says psychiatrist Leela R. Magavi, MD. “It will also help gain insight into someone’s past and what helped to shape them.”

73. What are some of your biggest irrational fears?

Now that you got heavy, let’s get a little light. Irrational fears can actually be very telling about past experiences or you just might have a chuckle over the fact that you’re both deathly afraid of peeing with the shower curtain closed.

74. What music really affects your mood?

Maybe they get amped up with show tunes or can’t stand classical music. While a shared taste of music isn’t exactly a deal breaker or sealer, it will not only give an idea of their likes and dislikes, but it can shine a light on how different stimuli affect their moods.

75. Who do you look up to the most?

In whatever way you want to interpret it, there’s a big difference between looking up to your grandpa versus someone like LeBron James. Whoever they look up to, this question will help “conceptualize the partner’s core values and personality type,” says Dr. Magavi.

76. What’s your love language?

Truly, the MVP of all questions. “This helps individuals identify their partner’s mode of giving and receiving love, which may improve communication and strengthen the relationship,” says Dr. Magavi. So take the quiz yourself to find out which of the five love languages is your strongest: words of affirmation, physical touch, quality time, giving and receiving gifts, or acts of service.

77. Where do you see yourself in five years?

“This question is great because it gives you an idea of that person’s goals and life vision. You can determine if they’re compatible with yours,” says Jonathan Bennett, a relationship expert.

78. What do you love most in your life right now?

This question unpacks not only what the other person values but also lets you glance into your potential compatibility, says Veronica Grant, a love and life coach. There’s no right or wrong answer, but depending on your personality (like you’re a go-getter and they’re happy just coasting through life), this question will take you straight to any potential personality clashes. You can either weed them out or start a fun convo about what the two of your visions together would look like, says Grant.

79. Which TV or movie character do you identify with and why?

“I love this question because it breaks the ice and helps paint a picture without anyone getting caught up in their own ego. We are taught to identify ourselves by our jobs, hobbies, and our education (boring!), and this question totally lightens things up a lot,” explains Nancy Ruth Deen, a relationship coach.

80. What was your last wish, like on your birthday or the last time you threw a coin into a fountain?

Their answer will let you know what they think is unfulfilled in their life and what they hope for, says psychologist Diane Strachowski, PhD, an expert on attachment theory. Did they wish for love? Money? A promotion?

81. What happened in your last relationship that led you two to break up?

“If they blame the other person and don’t take responsibility for their own part of it, watch out,” warns Margaret Paul, a relationship expert. Nothing says red flag like someone with nothing but “crazy” exes. SMH.

82. What is your relationship like with your family?

Not everyone is super close with their family, but depending on how they view their relationship with them, this can tell you a lot. “Sometimes, what’s going on in the family can have a big effect on the relationship,” says Paul.

83. Who did you turn to as a child when you were scared, lonely, or hurt?

If they say “no one” and dealt with stressful situations alone, this is a good indicator that this is how they’ll handle current and future stressors now. On the other hand, if they went to their parents all the time for everything, they might need a lot of validation from a partner, explains Strachowski.

84. What are you most proud of and why?

This question lets you see what they value and how they spend their free time, explains Strachowski. Are they most proud of how their city soccer team went 10-0 last year, or do their eyes light up when they talk about the coffee table they built for their apartment?

85. How do you deal with finances? Do you spend too much or too little?

Sure, combining finances is a step for WAY down the line, but still, it’s worth asking as finances can be a huge issue in relationships, according to Paul. It can also be a good indicator of how they deal with life, in general. Are spontaneous weekend trips to Paris going to be a thing? Or are you guys gonna cook dinner at home more often than not?

86. What do you need during periods of stress? Do you call someone to vent? Do you spend time alone to think it through?

How they answer will let you know what they expect from close ones during rough times, whether it be closeness and a shoulder to cry on or space, explains Strachowski. If you wind up dating and you find that they withdraw from you when they’re lonely, remind yourself of this so you don’t take it personally.

87. Who is your biggest influence and why?

This question can give you insight into a person’s core values, according to Bennett. If they name their single mother for raising them, they value responsibility and family. If they rattle off someone like Woody Allen, you can run.

88. What are your favorite addictions?

By addictions, we mean anything from chocolate, to working out, to Netflix. “Everyone has some addictions,” says Paul. The question is, are they going to be honest?

89. Are you a neat person or a messy person? Are you an on-time person or a late person?

Someone’s baseline definition of “messy” can be super insightful. Are they gonna be pissed if you spread all your makeup out on the counter for a night out, or will you be annoyed if the laundry piles up on a chair for a week? “It’s much easier if you are both neat or both messy, or both on time or late,” Paul adds.

90. Use five words to describe your mother/father, giving examples to support each.

Depending on how they answer, you can gain a lot of info on what they did or didn’t get from their parents and what they admire or look for in a person of the opposite or same sex, says Strachowski.

91. Do you believe in karma?

“This is a good question to get to know someone because it shows whether they believe there are consequences to their actions,” says Laurie Berzack, MSW, a relationship expert and dating coach. If a coworker screws them over at work, are they going to stay up for days stewing about how to get revenge or are they more the type to forgive and forget?

92. What was the scariest moment of your life, and how did you handle it?

This one is interesting because it can open the door to either emotional history or just life stories in general. Was it when they got laid off from their dream job or was it when they got lost while hiking with friends? How they answer reveals their ability to overcome conflict and challenges, says Berzack.

93. Where is your happy place?

Another open-ended cutie that can segue into good follow-up questions, depending on how they answer. If it’s a physical place like the gym or that one great hiking spot on their favorite trail, you can talk about those interests. If it’s a more abstract answer like “any time I finish a book that’s so good, I immediately flip to the first page and start again,” that’s a good convo starter too. “This question allows you to learn what the other person truly enjoys in life,” says Bennett. You can also use it to plan for future dates, gift ideas, etc.

94. What makes you cry and why?

“Knowing someone’s soft side is important to know what triggers them. If they don’t cry, they may not be sensitive,” says Strachowski. Again, if you’re sobbing on a movie date in the future and look over to see nothing but stoicism on their face, they’re not a heartless robot—they just have a higher cry threshold than you do.

95. When was the last time you got really angry, and why?

This can be an unobtrusive way to find out the extent to which your date is trying to control the world around him or her, says Berzack. Plus, it opens the door for some lighthearted hate-bonding, whether it be over little or big things. Was the last time they got fired up because someone cut them off in traffic? Or when they saw a bunch of people during rush hour refuse to give up their seat to an elderly person?

96. What is your best quality?

“It’s always interesting to see what a person thinks is their best quality. By asking this question, you get insight into how the person views themselves and what they think is an important aspect of who they are,” explains sex therapist Christopher Ryan Jones.

97. Which song or artist are you too embarrassed to say you absolutely love right now?

Not only does this give you a chance to potentially geek out over which Taylor Swift album is best (the only correct answer is “Folklore,” obviously), but it also shows playfulness and vulnerability, especially if you’ve just met, says Deen.

98. Are you friends with any of your exes?

This question lets you know two important things in one, explains Jones. It gives you insight into their past relationships and how they ended (does everything seem to go up in a huge wreck or do things end amicably?), and if they are friends, you’ll know now and won’t be surprised if/when they get a text from an ex they’re still close with.

99. Ask them to complete this sentence: “I most enjoy having someone to do ______ with.”

Sometimes, a person’s intentions can be clearly discussed by simply asking them. Strachowski recommends listening closely to see if what they’re seeking aligns with what you can give someone right now. Are they looking for a romantic partner, a best friend, or just a casual movie buddy?

100. If money wasn’t a factor, what would you be doing with your life right now?

This is a fun one that can tell you a lot about a person and their passions without them feeling too self-conscious about it, explains Deen. Do they want to be directing movies? Working with animals? Traveling the world? Depending on their answer, you’ve also got great banter to go off of afterward.

Carina Hsieh, Taylor Andrews and Rachel Varina

Monday 28 November 2022

30 Conversation Starters for Texting That'll Make Your Flirty Banter Way More Productive

 No more of this "hey" nonsense, mmk?

When it comes to dating—whether you met on a dating app or had an epic meet cute—the work isn’t done once you find that initial spark. In order to move things along, you have to put in some real effort, which means finding ways to really get to know someone, like asking thought-provoking questions and having meaningful convos. And since a lot of your interactions will likely take place via text at first, having some conversation starters for texting ready at your fingertips is kind of essential.

The benefits to early-stage texting are plenty. First off, it’s easy. You can do it from pretty much anywhere, and you don’t have to plan your whole day around meeting up to chat over coffee. It can also feel safer in the early stages since you’re not physically with the person you're trying to get to know. Plus, the delay between messages gives you both a little more time to respond thoughtfully, which can be beneficial if you’re nervous or still testing the waters, says Mia Lux, the co-founder and CEO of the dating app and virtual social club, La Vette Social Club.

Whether you’re talking about your favorite Netflix shows, the best places to travel, or why your love language is gifts, texting is a great conversation tool. Just remember: Even though it can be super fun for flirting, it's “hard to accurately assess what someone is like just from their messages,” explains Lux. “All the key non-verbal cues (how they sound, how they move, etc.) that give us an idea of if we feel safe with and are attracted to someone are missing.” So if your text convos are fantastic, let that be an incentive to actually get together IRL—not an excuse to keep your connection virtual full-time.

With that said, read on for advice on and examples of the best ways to avoid a bout of dry texting and really get to know the person on the other end of the iMessage.

First, a Few Text Conversation Tips to Keep in Mind

Before you grab your phone and type out a basic “how are you?”, think about the goal of your convo. Are you trying to get to know the person? Are you curious about something specific? Do you simply want to remind them you exist? Figure out the purpose before hitting send.

Once you know *why* you’re sending said text, Lux says to figure out how to accomplish your goal in a fun, casual, and lighthearted way. “Think about giving value and adding to their day instead of being just another notification on their phone.”

While you might have the urge to be overly flirty or sexual to get their attention, try to steer clear of obvious pickup lines or seductive language if the goal isn’t just to hook up. Also, FWIW, serious convos shouldn’t really happen over text since it’s way too easy for meanings to be misinterpreted and communication to get crossed. Keep things relaxed, and if it does start to feel like the conversation is taking a turn, speak up! Ask if it would be better to switch the talk over to a phone call or FaceTime.

Lastly, keep in mind that folks get busy and can’t always text, and some people simply don’t enjoy the texting communication style. If the person you’re hitting up responds with one-word answers or takes forever to get back to you, consider asking them about their preferred way to connect. Maybe they'd rather chat in person or via phone call instead.

Now, Here's What to Actually Text

No matter where you see the relationship going, any stimulating convo begins with a good question. If you’ve just started talking, keep the conversation light, but if you’ve been exchanging messages for a while and/or have been on a few dates, feel free to get a lil deeper to really learn more. Whether things are platonic, you’re on a first date, or you’re in a long-term relationship and just wanna mix things up, the questions below can amp up your banter and take it from basic to productive in 100 characters or less.

If You’re Texting a Dating App Match

  1.Describe yourself in three words.

  2.What was the best part of your day today?

  3.What’s your strangest talent?

  4.If you were an emoji, what emoji would you be?

  5.What was your first concert?

  6.Who’s your favorite character from a movie, TV show, or book?

  7.If you could have dinner with one person (living or dead) who would it be?

  8.What was the best vacation you ever went on?

  9.What’s your favorite holiday?

 10.If you were an animal, what animal would you be?

If You’re Texting Someone You’re Casually Dating

  1.Do you have a life motto? What is it?

  2.What’s your sign?

  3.Are you more introverted or extroverted?

  4.What’s your biggest pet peeve?

  5.What role do you play in your friend group?

  6.If your life was a movie, what scene would you want to watch on a loop?

  7.What would you do if you won the lottery?

  8.When was the last time you laughed so hard you couldn’t breathe?

  9.What does your perfect day look like?

 10.What’s the most interesting thing you read/saw/heard recently?

If You’re Texting Someone With Long-Term Potential

  1.Are you a better talker or listener?

  2.What’s the best thing about getting older? What’s the worst?

  3.Who is your role model and why?

  4.What do most people over or underestimate about you?

  5.How often do you visit home? How do you feel when you do?

  6.What’s something that makes you nervous?

  7.What’s your love language?

  8.Did you have pets growing up?

  9.What’s something that made you feel really proud recently?

 10.How do you define happiness for yourself?

Bookmark this page and remember: You no longer have to talk about the weather or complain about work. Use the above and watch your convos flow with ease!

Rachel Varina

Sunday 27 November 2022

How Do You Know It’s True Love? 15 Signs It’s the Real Thing

 Are you in love? How do you know it’s true love? What if it is only infatuation or obsession? Or maybe you are only overwhelmed by the thrill of getting attention from someone you are attracted to.

Everyone is looking for genuine love. Sad to say, some people who thought they already found it realized that it was not the moment they “fell out of love”.

Find out if what you have for someone is really true love by checking the following signs:

1. It does not go away.

If you fell out of love, then it was not loved at all. What wears off is the feeling of infatuation or attraction—because feelings are fleeting. However, real love is not based on any feeling so it stays even when there is no more attraction.

2. It goes beyond cloud nine.

That ecstatic feeling that we feel when we are in love is actually the thrill of attraction, which is also called infatuation. Whenever you are in this state, you cannot think clearly and everything seems to be surreal. On the other hand, true love can make you genuinely and rationally happy without that magical emotion.

3. It puts the other person first.

True love makes you prioritize the person you are fond of. Instead of demanding to be taken care of and treated special (because you want to feel valued), you willingly do these to him/her without expecting to be paid back. Also, it makes you put the needs of that person first before your own.

4. It is not blind.

The real thing does not make your special someone perfect before your eyes—which what infatuation does. Instead, love makes you accept the person despite his/her flaws. Although the qualities matter in deciding whether you should pursue the person or not, your affection for him/her is not based on them.

5. It is not based on qualifications.

Moreover, true love is not like a job hiring process that strictly adheres to a set of qualifications in choosing employees. You know it is really loved if you could choose the person even if s/he does not meet your standards. It defies social status, educational background, race, and other criteria.

6. It does not hide the person.

It does not matter if others would be impressed with your partner or not, but you love telling and showing the world that s/he is the person you love. It is not his/her looks, career, or achievements that you are proud of—it is the person him/herself. You want everyone to know that you are with him/her.

7. It does not expect anything in return.

True love is selfless. It makes you give or do anything for the other person without demanding that you receive the same. You are not after impressing him/her or doing him/her a favor so that s/he would stay—you simply care.

8. It motivates the person to change.

If you truly love a person, you would want to change for the better not because you want to impress him/her but because you want to be the best partner. You want to become stronger so that you can protect him/her, and you could be someone s/he could depend on. You would also want to get rid of the habits and traits that could hurt him/her.

9. It gives second chances.

There is grace in love. Even if you got hurt, you would be willing to forgive the person. You could give more than one-second chance, not only because you do not want to lose him/her, but because you believe s/he is worth it.

10. It respects.

One of the elements of true love is respect. Since you respect the one you love, you cannot bear to do anything that could hurt him/her, even if there is no way for him/her to find out. It is not fear that makes you firm against temptations, but it is the honor you have for this person.

11. It is a decision.

Like what it is always said—true love is a commitment, not emotion-based. Committing to love a person means choosing him/her even if there is no more attraction or when the situation gets tough. This decision to stay with the person is an agreement made between the heart and the mind.

12. It gives you security.

True love gives you peace of mind because your heart is at peace. This is because of the trust you completely give—no inhibition—not because you are sure that the person will never break that trust, but because you selflessly choose to give without expecting anything back. As the Bible says, perfect love casts out fear.

13. It grows through time.

Unlike infatuation that fades as time passes by, love grows over time. It is built through genuine friendship, especially if you get to spend more time and do things together. The attachment grows in a natural phase and way.

14. It does not give up easily.

No matter how much it hurts, and even if gets too hard, you do not give up on the person easily. You are willing to go through the pain to fight for the person you love. Sometimes, even if s/he is already pushing you away, you still choose to stay.

15. It is willing to give up—if that is what the person needs.

However, true love knows when to stop—when it is what would be better for the one you love. Since it is selfless, it can be sacrificial just to make sure that s/he will be happy. Love does not insist on what it needs, but it puts the needs of the other person first.

Remember, it is not an emotion

Now, have you ever loved truly? If you are still wondering whether what you have right now is true love or not, then you have to evaluate whether it is making you selfless or insecure. One thing is for sure though, it is not a mere feeling that makes you feel high since it will surely fade away.

Cyril Abello

Thursday 24 November 2022

4 Finance Podcasts From CFPs That Actually Offer Professional Advice

 Never before has so much information been so widely available, and free to access. The internet revolutionized financial advice, simply because blogs, podcasts, and social media made it possible for anyone to learn more about money via a few simple Google searches.

The downside to the democratization of money management strategies? The rise of Moneytok and the proliferation of fast content with no fact-checking. That anyone can say anything about personal finance and claim it’s not just true but “what you have to do to grow wealth!” also creates a lot of misinformation about money.

Yes, the info is out there… but it’s not always easy to know what to believe and what to ignore; what advice to follow and what to avoid.

Is Your Favorite Content Creator Qualified? Look For Certified Financial Planners

One way to quickly vet content creators is to check their credentials. There’s no higher standard when it comes to financial advice than the CFP® designation.

CFP® stands for Certified Financial Planner, and the marks are governed by a formal board. Earning a CFP® requires a college degree, sitting for a board exam, and practicing the profession of financial planning for 2 to 3 years.

A CFP® must also engage in continuing education to maintain their marks, and is held accountable for advice and actions through legal and ethical standards enforced by the CFP® Board.

4 Podcasts To Check Out If You Want Professional Financial Advice

If you’re ready to elevate your standards for the financial advice you receive and act on, a great starting point is to look for the CFP® marks behind someone’s name. To help you get started, here’s a roundup of 4 podcasts that offer real expertise to add to your regular rotation:

1. The Money Guy Show By Brian Preston & Bo Hanson

There may be no financial professionals more relatable and enjoyable to listen to than Brian Preston, CPA, CFP®, PFS and his co-host, Bo Hanson CFA, CFP®. Brian and Bo are real, honest, funny, and down-to-earth, providing a huge range of financial advice and money know-how.

There’s truly something for everyone with the Money Guy Show. If you’re into coupon-clipping and travel-hacking, you’ll love their tips to get more from your efforts to save every last penny possible. If you want to optimize your investments or fine-tune your retirement strategy, their ideas and insights will help you avoid mistakes that could dampen returns or maybe even retire early.

And if you just want a really good laugh as these financial pros break down the best of the worst in terrible TikTok money advice, Bo and Brian have you covered there, too.

2. The Long Term Investor By Peter Lazaroff

The Long Term Investor gives you the unique opportunity to get financial advice and perspective on better investing directly from a top RIA’s Chief Investment Officer.

As the CIO of Plancorp, Peter Lazaroff CFA CFA +0.5%, CFP® oversees the management of $6 billion in assets — and his podcast delivers his expertise and investment know-how in relatable, understandable language that anyone can use to improve their investing experience.

Whether it’s a walkthrough on what you need to understand about ESG and sustainable investing or breaking down recommendations on how much money you need to retire, The Long Term Investor is a must-listen for anyone who wants to better understand the financial markets... and perhaps more importantly, wants to know how to better navigate those markets for the sake of their own long-term success.

3. Demystifying Money With Misty Lynch

Misty Lynch is a CFP® and certified money coach, and her podcast, Demystifying Money, focuses on giving listeners bite-sized, actionable steps they can take right now to improve their financial situations.

Whether it’s discussing what it takes to succeed in business with fellow female entrepreneurs or digging deeper into the topics you keep seeing in the headlines (like what in the world is happening with the housing market right now), Misty and her guests seek to shine a light on areas of money management that are often confusing and riddled with misinformation.

Demystifying Money provides a way to get reliable, trustworthy breakdowns of critical money topics that you need to understand to get your money working for you. You’ll also be better equipped with the knowledge you need to avoid costly mistakes and maybe even start making more money, too.

4. Worth Listening Hosted By Lauryn Williams

As a 4-time Olympian and 3-time medalist — as well as the first American woman to medal in both the Summer and Winter Games — Lauryn Williams, CFP®, CFSLA, knows the kind of committment and work it takes to achieve a massive goal over long periods of time.

Lauryn brings her experience as a professional athlete and professional financial planner to the conversations she has with a variety of other experts on her podcast, Worth Listening. Together with her guests, Lauryn showcases how there isn’t just a single path to the ultimate goal of financial success: there are a variety of strategies you can deploy.

By sharing the stories and approaches of how others have made money work for them, Woth Listening provides inspiration, ideas, and insights on the various ways you can work toward what you want and achieve your most audiacious financial goals.

And finally, if you’re looking for one more option to round out this list, you can also try Beyond Finances. In the interest of full disclosure, it’s hosted by me: Eric Roberge, CFP® and founder of Beyond Your Hammock. My co-host is also my wife and financial writer Kali Roberge. On the show, we seek to tackle the “mushy” side of personal finance; our conversations dig into the topics that are hard to define and we wrestle with questions that don’t have straightforward or black-and-white answers.

When it comes to picking up financial tips and tricks, there is no shortage of content creators online who have something to say. To help you sort through what’s verified and true and what’s up for debate, a good place to start is by checking credentials — and there is no higher standard in the financial advice industry than the CFP® marks.

Eric Roberge

Never Received Financial Advice On Retirement Planning And Worried You Don’t Have Enough? Read On

 While older workers are finding some organizations open to hiring all-aged workers, many employee cultures remain focused on young talent to the exclusion of more experienced workers. One of the consequences of systemic ageism is that older workers may not have what they need to retire. Moreover, many people nearing retirement age (or newly retired) have not received financial advise on how to manage what they do have.

What should one do? This question is best answered by a qualified financial advisor.

But wait... aren’t financial advisors only for the wealthy? Not at all. Qualified financial advisors can be found for people with smaller retirement portfolios–even those just starting out.

How does one find the right financial advisor?

Experts recommend middle-class investors search carefully for a financial advisor. Ask family or friends for referrals. Even online searches can be worthwhile, so long as you ensure ethical practice by checking that no regulatory or disciplinary actions have been recorded at sites like investor.com.

One company that is focused on making financial management more accessible for pre-retirees and retirees is Retirable. Unlike other retirement management companies, Retirable does not have a required minimum investment so clients can come with what they have and know they will get the financial support they need.

Co-founded by CEO Tyler End, the concept for Retirable came after End saw his mother struggle with managing her investments.

“I started my career working in decumulation, a unique problem where hands-on advice can go a long way towards improving outcomes and giving people peace of mind. I mostly worked with high-net-worth individuals, but when I saw my mom looking for someone to trust when she retired, I realized this best-practice advice wasn’t available to everyone.”

The Retirable platform offers digital tools and one-on-one consultation at a competitive price. Retirable portfolios are created using proprietary technology and, along with planning and spending platforms, clients receive the kind of retirement support typically reserved for the wealthy.

“We try to meet our clients where they are,” said End. “Everyone has pressing questions on Social Security, Medicare, tax efficiency and how much can they can spend. We look to be everywhere people need us to be when searching for answers.”

Retirable is built for the 50 million Americans approaching retirement in the next decade who lack a formal retirement plan. Traditional retirement advisors overlook millions of people that don’t meet asset minimums but still need clear and confident retirement solutions. Retirable supports middle-class Americans who haven’t had the opportunity to receive personalized, professional advice for their retirement planning journey.

The biggest challenge End sees his clients struggling with is accumulating enough to retire.

“As a society, we generally associate retirement with travels abroad or purchasing a vacation home. We found that Retirable clients are simply looking to maintain their current lifestyle for as long as possible without financial worry,” said End.

Q & A With Retirable CEO, Tyler End

In a recent email exchange, End provided the following suggestions for accumulating and managing retirement funds.

What’s the one piece of advice you give to anyone, regardless of age, when it comes to financial management?

I firmly believe is that it is never too late to start making the right financial decisions! Many people procrastinate or have shame and don’t take proactive steps, but there are always adjustments you can make to improve your long term outlook. It’s not always the most fun, but there’s no better time to start than now. For everyone still working, this may seem obvious, but my advice is to live below your means—spend less than you make, and things will fall into place.

What's Retirable's investment philosophy for clients with cash?

There is no right answer for everyone—it all starts with building a plan to understand individual goals and the best use of funds. Our advisors are fiduciaries, so they build a plan before making a recommendation. Having said that, holding cash is great for creating a safety net in retirement, but with inflation, you are losing purchasing power. Make sure you are at least getting into a high-interest savings account if you want to hold the cash. For people jumping into the market, our advisors often rely on dollar cost averaging, given the volatility in the market.

What's the most crucial advice you give clients when the market is down?

Don't panic! Market corrections are normal. Although it's tough to put blinders on to the headlines, if you have correctly built your portfolio with the correct amount of risk, you can wait for the market to bounce back.

What asset allocation do you recommend for those about to retire versus those already retired?

Asset allocation needs to be reviewed consistently while working and throughout retirement. It is essential to include your capacity for risk (how much you can take to meet your goals) and your preferences. As people get closer to retirement, we build buckets to insulate some of their savings that will be liquidated in retirement from market risk. But again, there is no one answer for everyone.

What investment benchmarks do you use?

We tend to focus more on retirement income outcomes. Investment performance is just one piece of the puzzle, but we track our portfolios to the underlying benchmarks for each client’s asset allocation.

Every Age, Every Stage

While Retirable's mission is to create financial stability for every retiree, the right financial guidance early in life can significantly impact future financial stability. Good money management is foundational for anyone of any age or career stage. For financial peace of mind–now and in the future–consider working with a qualified, ethical financial advisor.

For younger investors, search for a fee-only advisor so you don't lose money paying people who rely on commissions to sell you assets that might not serve you best. In 2015, the White House Council of Economic Advisers calculated the annual cost of conflicted investment advice was about $17 billion yearly. That means clients pay $17B in commissions to advisors pushing funds that rewarded them–not necessarily the client.

Sound financial advice is always beneficial. When given early, it can result in having what you need when you need it–whether buying your first house or taking a sabbatical to volunteer or travel the world.

Sheila Callaham

Wednesday 23 November 2022

A New Study Says Beer May Protect You From Alzheimer's, but There's a Catch

 Read this before buying your next batch of brews.

Right now, more than six million Americans are living with Alzheimer's disease (AD), and many more are silently undergoing the neurological changes that will someday lead to the condition's onset. According to a new study released last month by the journal ACS Chemical Neuroscience, this time lag between the start of neurological damage and its eventual diagnosis renders many interventions for AD less effective. Meanwhile, preventative measures—which may help protect the brain long before signs of the disease emerge—may be your best bet in warding off cognitive decline, they say.

Specifically, the study found that one particular type of beer may have brain-boosting benefits which could help ward off Alzheimer's disease. However, the research comes with one major catch, which may make you think twice. Read on to learn what the findings mean for your own drinking habits, and whether the occasional brew could actually be good for you.

When it comes to Alzheimer's, prevention is key.

While there's no one way to definitively prevent Alzheimer's, experts say there may be several ways to lower your risk. Getting regular physical exercise, quitting smoking, maintaining strong social connections with others, managing underlying conditions such as high blood pressure and blood sugar, and getting adequate sleep are just a few of the strategies medical experts recommend.

Additionally, following a healthy eating plan such as the Mediterranean-DASH Intervention for Neurodegenerative Delay—also known as the MIND diet—can lessen your Alzheimer's risk. This particular diet emphasizes minimally processed, plant-based foods while limiting saturated fats, sugars, and animal products.

Drinking beer may also help protect against Alzheimer's, the study says.

Since a healthy diet is believed to greatly lower one's chances of developing Alzheimer's, experts are now exploring various "nutraceuticals"—foods that improve health or prevent disease—in relation to cognitive decline. In fact, the ACS study says that hop flowers, commonly used to brew bitter beers, may be one such food. That's because certain chemical compounds found within hops appear to prevent the buildup of amyloid beta proteins in the brain—a hallmark feature and possible cause of AD onset.

Having tested four popular types of hops—Cascade, Saaz, Tettnang, and Summit—they found that Tettnang hops were most closely linked with neurological benefits. This particular variety is commonly found in German lagers, ales, and wheat beers.

There's one major catch, the study says.

Before you make beer a regular part of your Alzheimer's prevention strategy, it's important to note that the study looked specifically at the effects of four types of hop extracts, rather than the effects of beer containing those ingredients. Though the researchers extrapolated from their findings that hoppy beers may come with cognitive benefits, the study included no human subjects. The researchers instead tested the chemical compounds on amyloid beta proteins from human nerve cells in lab dishes, and later in C. elegans, a type of roundworm with certain genomic similarities to humans.

This is the bottom line on alcohol, experts say.

More research is needed to determine whether consuming the occasional hoppy beverage may in fact help prevent Alzheimer's, but one thing's for certain: excessive drinking of alcohol is a well-documented risk factor in cognitive decline. Experts agree that if you do choose to drink alcohol, it's best to limit yourself to the recommended guidelines: no more than two drinks per day for men or one drink per day for women, according to the Centers for Disease Control and Prevention (CDC).

What's more, experts urge caution when it comes to changing your drinking habits based on the currently available research. "People who do not currently drink alcohol should not be encouraged to start as a way to reduce dementia risk," writes the Alzheimer's Society, a U.K.-based health charity. "Conversely, those who drink alcohol within the recommended guidelines are not advised to stop on the grounds of reducing the risk of dementia, although cutting back on alcohol consumption may bring other health benefits," their experts say.

"Based on one's unique personal and family history, alcohol offers each person a different spectrum of benefits and risks," Harvard Health Publishing further notes. Speak with your doctor to learn more about how your own drinking habits may affect your personal risk, their experts advise.

Lauren Gray

Tuesday 22 November 2022

The Best Quad Stretches You Need In Your Life Right Now

 Unless you don't like being bendy?

If you're out here looking to do some sort of physical activity, but you're not ready to commit to anything more than 10 minutes or any sort of movement that results in I-need-a-shower level sweatiness, let me introduce you to stretching.

The easy sort of movement we're probably doing the least but need the most is here to satisfy your "workout" quota of the day without the annoying side effects of exercises like cardio and strength training.

Sold? Amazing. Stick with me.

Another very fun fact for you: Your quads (aka those gorgeous muscles that make up the front of your thighs), are one of the largest muscle groups in your body. They're used to stand up, sit down, go up and down the stairs, stand in place, and walk around, says Kelsey Wells, the kick-ass trainer and creator of the PWR strength-training program on the SWEAT app. So, yeah, they're important.

Because you're basically always using your quads, it's important to keep 'em loose-y goose-y. If they're too tight, it can cause mobility issues and pain. No bueno. So, to remedy those issues or just feel those juicy, stretchy vibes, I (and team SWEAT) bring you these yummy stretches.

The workout

After warming up with 3 to 5 minutes of cardio, like jumping jacks or running in place. Then, perform the stretches below in order, holding each movement for the time noted.

Hinge

Step 1: Begin in a kneeling position on a yoga mat with your knees hip-width apart and arms extended in front of your chest at shoulder-height, palms facing inwards. Draw your shoulder blades down and back. This is your starting position.

Step 2: Inhale. Slowly lower your torso back towards your heels, ensuring that you hinge from the knees only and your spine remains in a neutral position. Hold this position for 30 seconds before elevating your torso back into the starting position.

Upward dog

Step 1: Start by lying flat on your stomach on a yoga mat, resting your forearms on the mat on either side of your chest.

Step 2: Press your hands into the mat and slowly elevate your chest. Draw your shoulder blades down and back while ensuring that your head is an extension of your spine. Hold this position for 30 seconds.

Standing stretch

Step 1: Plant both feet on the floor slightly further shoulder-width apart. Bend your right knee and bring your foot back directly behind you so that you can hold it with both hands. You should feel a stretch in the front of your right leg. If you’re struggling to balance, focus on a spot directly ahead of you, or extend your left arm. Hold this position for 30 seconds before repeating the movement on the opposite side.

Flexor

Step 1: Begin in a kneeling position on a yoga mat. Release your left leg and take one large step forwards so that you are in a low-lunge position, ensuring that your left knee is not further forward than your toes. If it is, then you will need to take a bigger step forward.

Step 2: Keeping your torso upright, push your hips forwards so that you feel a stretch along the front of your right leg.

Step 3: Hold this position for the specified amount of time, breathing deeply throughout. Each time that you exhale, use your abdominals to tuck your pubic bone toward your belly button to increase the stretch. Hold this position for 30 seconds before repeating the movement on the opposite side.

World's greatest stretch

Step 1: With your hands on your hips, plant both feet on a yoga mat hip-width apart. This is your starting position.

Step 2: Inhale. Transfer your weight onto your right leg and lift your left leg up, bend your knee and draw it in towards your chest.

Step 3: Exhale. Take a big step forward with your left foot to move into a long lunge with your right leg extended and heel elevated, ensuring that your left knee remains stacked over your ankle.

Step 4: Inhale. Place both hands on the floor on the inside of your left foot and hold the stretch for three to five seconds, breathing deeply throughout.

Step 5: Exhale. Keeping your right leg extended and right heel elevated, release your left hand and extend your arm upwards. Lengthen your spine and rotate your torso towards your left knee, turning your eyes towards your left hand. Hold this position for 30 seconds before repeating the movement on the opposite side.

Lying stretch

Step 1: Start by lying on your left side on a yoga mat, ensuring that your body is in a straight line from head to toe. Bend your right knee and bring your foot back directly behind you so that you can hold it with your right hand. You should feel a stretch on the front of your right thigh. Hold this position for the specified amount of time, breathing deeply throughout. Hold this position for 30 seconds before repeating the movement on the opposite side.

Ashley Oerman

Monday 21 November 2022

What is the Difference Between Dating and Being in a Relationship?

 How do you know that you’re focusing your efforts and emotions on the right person? Some people who tried to answer this question have accidentally discovered the sometimes subtle but most of the time obvious differences between just “dating” someone and being “in a relationship” with another person.

While these labels don’t really matter for a few, who want to express love and be loved, knowing how to distinguish the two can make a huge difference, especially when setting expectations and recognizing limitations.

Here are the differences between dating and being in a relationship that you should know about.

1. Dating means no serious attachment; a relationship is a true commitment.

The level of the relationship you have with another person defines the difference between casual dating and being in an actual, committed relationship. Dating someone allows you to spend time with a person freely but with no promise of a long-lasting and long-term partnership.

2. Dating can be intimately physical; a relationship has deeper emotional intimacy.

The focus on the type and level of intimacy you have with another person also distinguishes dating from being in a relationship. While the former is more physical and less emotional, the latter involves higher intensity and expression of both.

3. Dating can be playful and experimental; a relationship is a serious and sincere decision.

Dating can really be enlightening, especially for young people, because they discover parts of themselves that they never knew existed. On the other hand, being in a relationship requires an initial knowledge of the self to make the right decisions and express more sincere and genuine love for another person.

4. Dating can be fleeting and short-term; a relationship can last a lifetime.

The longevity of both of these partnerships is also totally different. Casual dating can be fleeting and doesn’t have the power to last longer compared to a real relationship. Relationships, unlike dating, can even last a lifetime.

5. Dating poses unpredictability; a relationship offers certainty and stability.

Because of dating’s short-term nature, it can be unpredictable. On the other hand, a relationship offers certainty and stability, making it a good stepping stone to lasting commitments that can be sealed with marriage.

6. Dating is ideal for younger lovers; a relationship is meant for fated soulmates.

Young lovers enjoy dating because of the potential and excitements that it offers. However, once these people find their true soulmates, they’ll realize that dating will not be enough to celebrate their destined love – and this is where being in a relationship can give them a better promise of a future together.

7. Dating can be “open” and random; a relationship values loyalty and exclusivity.

There are different types of dating statuses, and one of these is an “open” or even random type of set up. Here, two people can freely see other dates without being tagged as unfaithful. However, in a relationship, it is more exclusive, highlighting the importance of loyalty and fidelity.

8. Dating gives you a range of choices; a relationship leads you in the best direction.

You’ll be presented with many choices and opportunities to suit your preferences when you’re just on a casual dating scenario.  In a relationship, it’s totally different. Once you are committed to one person and have an exclusive relationship with them, you already know that you’ve made your choice, and you’re already following the direction that you think is best for you.

9. Dating teaches you lessons; a relationship nurtures you and lets you grow.

Dating can be life-changing, especially because of how people can learn their lessons the hard way. Here, they’ll realize the differences between “love” and “infatuation” or between “love” and “like”.

In a relationship, you’re set to grow because the love that you share with another person is designed to nurture both of you, as a couple, as lovers, and as partners in life.

10. Dating makes you love independence; a relationship makes you value partnerships.

When you’re casually dating someone, you’re free to live your love life according to what you want to do. You have this free choice and independence to easily end your bond with another person, especially if it’s not fun anymore.

However, in a relationship, you begin to understand the value of partnerships – and how holding on regardless of the challenges and obstacles you face as a couple is important – because you know that they are worth it.

11. Dating introduces you to people; a relationship allows you to know someone deeper.

Dating allows you to meet many people who can potentially change how you see the world. However, these people might not stay in your life for good, so you only get to know them for who they are on the outside.

In a relationship, you get this rare chance of knowing someone deeper. You get to know their pains, their joys, and what defines them as a person.

12. Dating can promise you many things; a relationship is fulfilling all of these promises.

As mentioned before, dating presents a wide range of potential because it’s a place for self-discovery and even an avenue where you meet the people who may or may not play a big part in your future. Dating someone promises many things: fun, excitement, self-discovery, and sometimes, a life of love and laughter.

A relationship, on the other hand, is actually the fulfillment of all these promises. You know that you are in a good and healthy relationship if you still get to experience the things mentioned earlier – without the worries of goodbyes and sudden endings.

Should you date, or should you be in a relationship?

Remember that while dating and being in a relationship are two totally different things, they are necessary to help you discover yourself as a person, as a partner, and as a lover. Neither of them is essentially bad because the quality of bond and partnership you create with another person will always depend on your attitude and perspective.

The lesson here is to have fun while you’re young and make sure that you’re saving all the special parts of yourself for that someone willing to spend the rest of their life with you.

Charm Villalon

Sunday 20 November 2022

How To Get Ahead Of Crypto Scammers - Five Tips To Avoid Common Pitfalls

 Crypto scams keep reinventing by the year, duping millions of investors. It takes a combination of witty words and convincing ploys, but they are often effective. Some are as brazen as repeating the same scam under different names. How can people get ahead of them?

Get the Basics Right First

The basic principle of investment is committing funds to an asset in an expectation of future return. This future return can be defined or guided in a contract at the point of purchasing the asset. For most regulated assets, the expectation can fall within a range of 5% to 20% subject to the economic environment.

Considering that some assets break the norm and increase significantly over time, it’s normal to expect returns from any asset. The contrary is also true - that the asset can lose value in a given period. It can later on recover its lost value and return a modest profit.

Crypto scams thrive on defying the basics. They offer “guaranteed” returns within a week or month. These guarantees are unfounded. They hook people by “repaying” the first investment or two but end up rug-pulling the third one. Avoid the trap of “guaranteed returns” at the first sight, because the basics of investment leave room for gain or loss.

Manage Your Expectations

In addition to the basics, investor psychology is the next critical aspect of avoiding scams. Investment, in principle, takes time to yield a profit. While some investments can return a profit in less than a year, others take between five and ten years to show meaningful returns. Consistent analysis and study of an asset will show its performance or value over time.

Taking BitcoinBTC as a digital commodity, its value rose from cents in 2009 to a high of $69,000 in 2021. Many people sold off large holdings of Bitcoin in its early years when its price would dip below that year’s high. Its future was uncertain, with no guarantees of a set price that could spell a profit.

Considering EthereumETH as a crypto asset, its peak in the bull market of 2021 was over $4,500. It was founded in 2015. Many other cryptocurrencies or tokens are built within its diverse ecosystem.

Crypto scams often copy or wrongly cite Bitcoin and Ethereum as their premise of high returns. They call their “offer” the next thing you must buy into after those two cryptocurrencies. By imposing a misplaced expectation, they mislead unsuspecting investors to hope they will cash in on the next enticing profit.

Commit Your Funds to Different Investments

Funds with a purpose are more useful than those without. Financial literacy and accountability often guide the responsible use of financial resources. A personal budget, for example, can cover recurrent expenses, investments, insurance, and miscellaneous responsibilities. Aside from financial instruments, it’s healthy to invest in a holistic lifestyle. This includes meaningful courses, training, mentorship, experiences, relationships, health, and hobbies.

Such a holistic commitment of financial resources to holistic growth brings the balance to have restraint or boundaries where they’re needful. It’d be difficult, for instance, to gamble, or blow through money fast, when there’s a steady discipline in more than one area.

The irony of a crypto scam is that they target “idle” or uncommitted funds. Scammers insist on a person substituting something “unimportant” for the “deal of a lifetime”. By establishing personal financial boundaries with a firm commitment to meaningful personal goals, you can get ahead of the likelihood of being scammed.

The said, “deal of a lifetime” will pale in comparison to a holistic lifestyle.

Carry out Due Diligence

Being able to verify a project or asset’s existence or authenticity is easy in a simple search. In a sea of information, and amid false impressions, it’s needful to cross-check the people involved in a specific project. Financial records, notary, or smart contract data can be accessed through various channels and platforms.

Due diligence is a simple way of ensuring that a project, asset, or company is an actual reflection of what’s presented about it. In last week’s emerging crisis of FTX’s downfall, an inquiry of due diligence into its financial state exposed gaps in its balance sheet. It failed to meet vital criteria for liquidity, and the rumors of its insolvency worsened the situation. After about $6 billion in withdrawals, the exchange could not keep up with its cash flow. It filed for Chapter 11 bankruptcy.

Its situation was concealed until the key staff began to resign, and questions about its financial standing gained ground. When things didn’t add up, an unfortunate series of events led to its collapse. It’s unfortunately not the first crypto project to do so. Others had clear warning signs from over-hyped token sales and opaque dealings.

Crypto scams often lack coherent and consistent facts about their operations. Due diligence will point them out early enough.

Practice Contentment

As an investor, it’s vital to take gains when they come. Greed is often the best way to keep anticipating a profit past its viable window. Moreover, it brings misjudgment to analysis, misinterpretation of seemingly obvious facts, and a success bias.

Investing is a lifetime journey. Few people are fortunate to make significant gains in a short time. What is wise is learning from those who have, rather than trying to copy their moves. Contentment is the key to taking a profit at 15% or 75% before that asset drops by another 30%. Rarely is it possible to time that point at which the asset price will drop.

In a bear market, as this year’s with various stocks and asset categories down, the best thing to do is find undervalued assets, and begin to invest in them for the long haul. For others, the best thing to do in a bear market is to upskill or increase the value of their time so they can earn more income.

Instead of relying on that inflated promise of a crypto scam, invest in your personal growth.

Roselyne Wanjiru