SOLVING MARITAL PROBLEMS

Problems in marriage are inevitable and they will continue to arise. As marital couples start out in life, they would begin to realize differences that may not be there during courtship. Differences in feelings and approaches to life would suddenly surface and create problems in the home. Many homes break or love waxes cold when couples are not able to deal with their marital issues.

There is no problem free marriage and old coupes who had remained married for decades would still say they disagree many times. Solving marital problems is a decision that couples should be ready to make and adhere to. Below are ways to solving marital problems.

1. Talk About It.

It is always tempting to ignore each other at the first sign of a problem but that is not the wise path to follow. Ignoring the realities of a problem does not make it go away but makes the root of that problem grow deeper into the soil of the home. It is best to face reality and talk about it, no matter how impossible it seems. When partners in marriage fail to talk about their problems, it may lead to lifelong bad feeling for each other.

Tell your partner how you feel about what had happened. The first time you discuss a problem may not lead to the solution but couples should not be discouraged. Only continuos dialogue will lead to a lasting solution to marital problems that arises in the home. Specific times must be set to discuss about the problem with the aim of finding a solution.

2. Be Ready To Listen.

No tangible solution will come when partners are not ready to listen to each other. This happens in heated arguments and these arguments are the hardest to mediate. If one is agitated, the other has to be calm. If one is shouting, the other has to be silent. If one is talking, the other has to be able to listen patiently and to really understand the message being passed across.

It can be tempting to want to interrupt when we feel that what is being said is not true or the other person is being unfair. Interrupting will only lead to more agitations and bad feelings. Even when a discussion breaks down, it should not be an opportunity to stop talking to each other. Still talk to and respect each other's feelings.

3. Stick To Your Decisions.

It is important to arrive at a decision or a solution to a particular problem but it is more important to stick to that decision. Making a decision is easy, but carrying it out steadily is the hard part of it. It is never easy when it comes to the issues of marital problems. It takes much hardwork and consistence to follow through on a solution and make sure that marital problem don't surface again.

Solving marital problems is teamwork. Always look forward to the future of a marriage than the present problems. Bringing up past problems will be a constant weakness to a marriage. Cooperating couples would always overcome any marital problem and have an overall happy marriage.

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WHY STUDENTS FAIL EXAMINATIONS

In the past, academic failures were thought mainly to be a function of unseriousness or lack of preparation of students, but today studies have shown that why students fail examinations goes beyond lack of preparation or unseriousness. In my own personal research and experience, I have found out that brilliant students could fail when supposed dull students are passing exams.

I discover that why students fail exams can be divided into two categories. The INTERNAL and EXTERNAL factors.

INTERNAL FACTORS

Internal factors are the one's that has to do with a particular individual. Exam failures in this category could be said to be caused by the self.

1. Lack Of Preparation.

This is the major internal cause of examination failure. This factor is relative, meaning that it could affect all categories of students, whether they are brilliant or not. A genius who fails to prepare for an exam would most likely fail and a slow learner who prepares would most likely pass.

Academic activities should not only begin by attending classes but should end by personal and intensive study. Examinations are only once in a term, semester and sometimes a session and no student would have a genuine excuse of not being able to prepare well. Students fail examinations when they don't prepare. No matter how small the preparation is, there is a higher likelihood of passing, even if it is just the threshold of the pass mark.

2. Unseriousness.

Some students simply don't care. They won't attend classes. They won't do assignments or group tasks. They would go late to class. They find it hard to read or study. Unseriousness is a bad thing in academics. Many students get so unserious to the extent of not even caring about the outcomes of their unseriousness.

Many unserious students tend to also have unserious friends who won't make them do the right things at the right times. Unserious students find it hard to be able to balance their social lives with their academic lives. Infact, they don't even care. Unseriousness is another reason why students fail examinations.

3. Fear Of Failure.

A lot of students suffer from this. They are always already scared of failing, even before they write the examination. Fear of failure is something that affects the emotion and psychology of students. Truth is, examination is inevitable in academics and if you are in school, you must be prepared to face exams with boldness.

Fear is a state of the mind and attitude towards something, in this case, examination. Fear of failure will affect a students study, assimilation and overall preparation.

4. Examination Phobia.

This phobia is the last minute tension that students experience before an examination. It could be likened to the surge of adrenaline that Usain Bolt would feel before a 100 metre race. Every student has examination phobia. The better and the poorly prepared students both have the same tension.

What makes the difference is how this tension can be overcome before writing an exam. Tension will lead to lack of coordination and also leads to forgetting easily what has been read.

5. Pressure To Pass.

Many students fail because of the pressure to pass. This pressure could come from themselves, from parents, from friends, lecturers or even the department. When there is no healthy competition between students in the same class, department or faculty, it then leads to pressure to pass.

Academics should be seen as a healthy competition and the excessive notion of wanting to pass mainly to please people should be discouraged totally.

EXTERNAL FACTORS

1. Inadequate Teaching.

The process of teacher-learner interaction is one of the pillars of academics. It is important, as most of the times, students won't understand what they read by themselves only. They need the teacher or instructor to make known or explain unto them the meanings of what they had read or are going to read.

When teaching is not adequate, students won't understand and when the exam question comes, you can only imagine what would happen. Questions become so strange like they were not part of the subject. They are, only inadequate teaching made it so.

2. Deliberate Failing.

In my part of the world, some lecturers could deliberately fail students and brag about it. Many students keep failing some courses, not because they were not brilliant or not, but because they had not given in to some demand by the instructor or teacher.

Many students fail yearly due to this and it seems no really strong advocacy is on ground to curb and eradicate this negative academic trend. Many students even fear to report because of the dire consequences of it.

8. Others.

A whole lot of other factors fall under this category. Serious sickness during exam time could make a student fail an exam, depending mostly on the policy of the school. Lateness to examinations could amount to not having enough time to answer questions. Exam malpractice is also a strong theme in failures in exams.

A whole centre could be failed if too many malpractices happened there and innocent students could also suffer from the consequences of this. If this post have be helpful, please share. Thanks.

THE FIVE CARDINAL POINTS OF INVESTMENT

When investment is being talked about, it isn't about having some cash somewhere and just rushing to put that cash into something and hoping it would profit. Many people have become bankrupt just doing that. Investment and investing has to be approached holistically and should be tailored around history and recent trends.

Even though there are several types of investment opportunities, in this post, I am going to talk about the five cardinal points of investment. When I say cardinal, I mean that historically and economically, these investments usually don't fail. These investment opportunities have proven to be lucrative again and again for any investor going into them.

1. Precious metals.

For over two thousand years, man has been investing in precious metals, especially gold and silver and today, wise investors are still diversifying their investments in gold and silver investment. Precious metals are used extensively in the manufacturing industry and I still don't envisage a time when it would loose it's value.

Gold and silver investments are lucrative because historically, they are not affected by inflations or economic meltdowns. They serve as an edge against physical money. This means that when money fails, which it always does, gold and silver are always used as bailouts till money picks up again.

They serve as store of value and wealth. This means that they are money in metal form and they are relevant in every geographical location of the world. Precious metals investments are arguably the wisest form of investment year-in-year-out.

2. Agriculture.

This is also an important investment sector. This covers cash crops and foods. According to Abraham Maslow's pyramid of needs, food is a standard necessity of life. Everybody eats food. People can overlook a lot of other things due to their socio-economic status, but nobody overlooks food, including the rich and the poor.

This is why investment targeted in agriculture is bound to be a good one, save for natural disasters or pestilences. Agriculture is the oldest form of investment and because it is still relevant today, it made the list of the five cardinal points of investment. So far people will continue to eat and drink, wear clothes and build things with materials gotten from agriculture, it will always continue to be a lucrative investment decision.

3. Real Estate.

Shelter is important and people have to live somewhere. Infact, real estate became a political and economic system in the middle ages when Lords who had lands controlled the destinies of serfs who get the land on lease for shelter, agriculture and military service.

To show the importance of real estate, the major wars of the world have been motivated by the urge of wanting to aqcuire more land and the resources they hold. A large percentage of the richest peoples have stakes in real estate investing as it has the spontaneous ability to always increase in value and earn investors stress free passive income for life.

4. Communication.

Even before Abraham Bell invented the telephone communication was a great economic and social interaction pillar. After he did, it has opened up the world of communication to the world, making the world shrink more and more with each passing day. Like food, communication has become integrated into the lives and cultures of people. People just have to get in touch with people by any means.

Investing in communications ranges from mails to satellite calls. Investment in this sector won't fail as people won't stop wanting to get in touch with each other, whether by manual or electronic mail, calls or texting or through social and instant messaging networks. This is why the inventors of Whatsapp and Facebook would be billionaires.

5. Transportation.

Whether it is by animals or by supersonic jet, transportation is also a cardinal investment because people have always been moving, are moving, and will always continue to move from one place to another. For people to move, they have to move by some means of transportation. In any economy, the transportation industry is one of the most important sector, that is why investment in transportation is cardinal, insofar that people have to move.

These five investment opportunities have been proven historically and economically usually not to fail. So, be wise and invest in any of them. If you have enjoyed this post, please share. Thanks.

REAL ESTATE INVESTMENT: the benefits of investing in real estate

Real estate investment is one of many investments that everybody want to go into. If many investment schemes are compared with one another, it would be found out that investing in real estate definitely ranks very high. Real estate investment is able to produce a lot of stress free income for the investor.

Below, I am going to discuss the benefits of investing in real estate.

1. Long term appreciation.

Technically, real estate is one of few investments that does not depreciate. This means that the value of a property or land does not decrease in value. What it does is that it increases in value year in, year out. Only an easily avoidable mistake would make an investor loose in real estate investment.

2. Passive cash flow.

Investing in real estate leads to passive and residual income. This income comes in the form of rents and leases, or even outright sales. You don't have to work yourself up over your investments, and you could engage a team to manage your estates for you. You just invest and see the money coming in stress free.

3. Tax advantages.

The tax advantages you get when you invest in real estate are just too numerous. Your property usually would increase in value, but it doesn't mean you pay tax on this increase in value. Infact, you don't pay tax on profits until you sell your property. You could even roll over your profits into another property and avoid paying tax altogether

4. Ability to increase rents and leases over time.

In the long term, real estate investment gives you the ability to increase your rents and leases, even faster than the rate of your expenses on the property. Even though your profits are subject to income tax, it would still rise comfortably.

5. Fulfilling professional career.

Investing in real estate is a career that is almost unequalled, in terms of the massive gains that could come from it. Real estate investors are usually among the highest paid across every industry and profession anywhere in the world.

Real estate investment is the rave of the moment, and next time you think about how to invest your money, investing in real estate is a decision you are highly unlikely to regret. If you have enjoyed this post, please share. Thanks.

CUSTOMER SATISFACTION TIPS

Whether you are in business selling a product or offering any form of service to people, then customer satisfaction should be one of your top priorities. If you can master the skill of satisfying your customers, then you would be able to retain old ones and always have new ones. Customers are the best advertisers of a product or service, mainly through word of mouth. That is why you must do your best to satsify them. Below are ways to maximize customer satisfaction.

1. Let the customer know what you can offer.

In simple ways and language, let your customer know what you offer and what you don't. For example, customers may not know that a dry cleaner also offer ironing services because the dry cleaner didn't tell them. For customers who want to dry clean and iron, they may not come to you because they won't feel satisfied.

Again, if customers discover later that you offer a service that they were not aware of, and which they needed, they would feel disappointed. A simple flyer, brochure or sign board may be all that is needed for you to let your customers know what you offer to increase customer satisfaction.

2. Genuine attitude.

Whether you are communicating physically with a customer or corresponding through mail, fax or phone; you should be able to impress on your customer a genuine attitude. For customers to be satisfied, they must have the impression that you want the best for them, and not just to collect their money. When customers know this, they will keep coming back to you.

3. Give your customer top priority.

Without your customers, you won't be in business or service, so you must give them top priority. For customers to be satisfied with your services, you must attend to them first before doing any other thing. Customers hate to queue, but believe me, they will remain on that queue if they know they are being given top priority instead of being abandoned.

But if customers feel they are not being taken serious, they may leave and may never come back. Worst of all, they spread the word around if not treated well. Customer satisfaction means that customers should be put before any other thing.

4. Equal treatment.

Customer satisfaction is that feeling you put in customers that will make them continue to come back. Customers hate partiality and being biased. Whether in prices of products or in rendering services, customers value being treated in the same way. Customers hate it when a fellow buyer or client is treated far better than them. If customers know your integrity of equal and fair treatment, you may retain them for life.

Customer satisfaction goes a long way in determining the success or the failure of your business. So whenever you see a customer again, do whatever it takes in satisfying that customer. That is always what makes them come again and again. If you enjoyed this article, please share it. Thanks.