Vivienne Diane Neal's Blog, page 14
April 16, 2023
The Person You Need To Marry - Don't Marry the Wrong Person
International Romance Author, StellaEromonsere-Ajanaku, is back giving advice on who you should marry.
Enjoyand do not forget to leave your comments on her YouTube Channel.
April 9, 2023
Why You Should Never Lend Money to Friends or Relatives by Miss Know It All
Miss Know It All
I am a big fanof TV court cases and see my share of civil suits regarding people coming upwith outlandish reasons for not paying back their loans.
Photo by RODNAEProductionsYou may thinkhelping your financially strapped friend or relative is the correct thing todo, but doing so could totally ruin your relationship. If you need someconvincing, here are some reasons lending money to friends, family or anyone isa bad idea.
You Are a LastResort. An individual comes to you because he or she cannot get a loan from abank. This means traditional lenders, who add on high interest rates, considerthe person to be a high risk to lending money. Most loans to friends and familyhave a very low or nonexistent interest rate. By loaning someone money, you aretaking on a ton of risk for a fraction of the payout a bank would normally get.You can usually add anywhere from five to fifteen percent interest annually.Any amount higher is usury or illegal.
Mostlikely, you will never see your money. Most times, people who borrow money fromfriends or family never pay the loan back in full. If you have the money, justgive them the funds, understanding that you will never see that money. You canalso give the money as a gift.
Most loansinvolve parents lending money to their adult children. Sometimes the reason forthe loan was a good one, like a one-time emergency that was completelyunexpected. Often the reason is not to sound and parents are simply rewarding badfinancial habits. If your adult children think you will bail them out of anybad financial situation they get themselves into, then there will never be reasonsfor them to develop good financial practices.
You mightactually need the money. Unexpected emergencies and job losses happen. Whenthey do, you will need extra money to pay your bills and stay afloat. If youhave an extremely well-stocked emergency fund, then maybe you will not miss themoney that you lent to someone. Only a quarter of Americans have more than$10,000 in their savings account. Therefore, if you are like most people, youwill want your money back as soon as possible. Draining your savings to help afriend could leave you in the same predicament as the borrower.
Having toask for overdue payments will eventually get uncomfortable. Since some do notrepay most loans, there is probably going to be a point where your friend or a family member falls behind on payments. When that happens, it is up to you tofollow up with them about their late payments. That conversation is going to beincredibly awkward. However, it gets worse. They are likely going to keepfalling behind on payments. You are going to have to keep following up withthem each time to let them know they are late.
It couldruin your relationship forever. After a few late payments, you have essentiallybecome a debt collector for your loved one, and this will affect yourrelationship. You will be upset that they did not pay you back, which showsthat keeping promises to you is not a priority for them. They will feeluncomfortable every time they see you because they know they owe you money. Holidaydinners and going out with your friends will now come with a ton of baggage.
If you aregoing to advance money to a friend or family member, draw up a promissory noteshowing when the loan is to be paid. You and the borrower sign the note. Keep acopy for yourself and give a copy to the borrower. If it is not in writing, youcan say “farewell” to your loan.
Better yet,adhered to this motto, “Neither a borrower nor a lender be.”
April 2, 2023
News for Travelers
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Photo by Element5Digital
Newsfrom Travel Noire
Discounts On Your Favorite BooksBy Black Authors? Say No More! - Learn More
Buy & Save: TravelToiletry Bags That Keep You Organized - Learn More
Top AdventureDestinations For Millennial Travelers In 2023 - Learn More
Going On A RoadTrip? Here Are The 5 Best Car Rental Companies In The U.S. - Learn More
Prioritize SelfCare In 2023 By Acquiring These 7 Products -
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News from Travel Awaits
10 Amazing Small Group Tours YouCan Experience In 2023 - Presentedby Collette20 CharmingSmall Towns To Visit In 2023 - ReadMoreThe BestCaribbean Island You’ve Never Heard Of - ReadMore5 Unique African Countries To Add To Your BucketList - ReadMore
March 26, 2023
Secrets To A Successful Marriage ❤ | Mistakes Single & Married People Make
International Romance Author, Stella Eromonsere-Ajanaku, provides advice on how to have a successful marriage, and the mistakes singles and married people make.
Enjoy.March 19, 2023
5 best international wedding destinations - Written by Sneha Das
These international destinations will offer you the perfect backdrop for a dreamy wedding.
Destination weddings are on a roll ever since power couple Anushka Sharma and Virat Kohli got married in Italy in 2017. Following the trend, Ranveer Singh and Deepika Padukone also tied the knot in Lake Como, Italy in 2018. If white sandy beaches, picturesque mountains, and dreamy vineyards also fascinate you, check out these five international for your big day.
Muscat in Oman
Photo by Emily Sherwood
Tuscany in Italy
Photo by Josh Hild
Vail in Colorado
Photo by Thomas Ward
Miami in Florida
Photo by Elvis Vasquez
Mackinac Island in Michigan
Photo by Mikhail Nilov
March 12, 2023
Great Mysteries, Thrillers and Suspense Written by Remarkable Storytellers By Vivienne Diane Neal
Following are stories that will leave you wanting more. To purchase, just click on the title. Enjoy!
Dr. Glass (A Psychological Thriller)by Louise Worthington - A psychologist receives an ominous letter base on an article she wrote regarding filicide.
The Wrong Kind (Hannibal Jones Mystery Series) by Austin S. Camacho - A mother, living in a shelter, hires a private investigator to find her missing daughter who may be in danger.
Looking for Henry Turner (A Mo Gold and Bernie Mysteries - Book 1) by W.L. Liberman - A mother hires two private investigators to find her son who has been missing for 8 years.
Liar, Liarby L.G. Davis - A promising writer, with a dark past, discovers her husband is having an affair and creates a diabolical plan that will have dire consequences.
Not Guilty by Linette King - A successful talk-show host believes her husband’s mother does not like her because of her race.
Blood Rites: Rise of the Best by C.Y. Marshall - An enslaved, husband transforms into an avenging entity when a brutal owner kills his wife.
Acts of Betrayal by Sekinah Jackson - After almost hitting a man with her car, a successful owner of a lip-gloss company becomes infatuated with him, believing she has met her soulmate.
Professor Law by Jonathan D. Rosen and Amin Nasser - A successful divorce attorney, found dead from an apparent suicide, may be just another victim of foul play.
March 5, 2023
How Indonesia's New Sex Laws will Affect Tourism
Photo by Lalu FatoniAs the COVID-19 pandemic subsides, international travelers have been going back to the popular resort island of Bali, hoping that Indonesia’s beaten tourism industry is on the road to recovery.
Recently, the parliament passed new laws banning cohabitation and sex outside of marriage. The laws apply to residents, foreign expats, and vacationers in the country.
Although the changes are not expected to kick in for at least another three years, the new criminal code could put foreigners off visiting that country and hurt its global reputation, starving it of vital tourism revenues.
A Turnaround for Travel Operators
“From our point of view as tourism industry players, this law will be very counterproductive for the tourism industry in Bali, particularly the chapters about sex and marriage,” said Putu Winastra, chairperson of the country’s largest tourism group, the Association of The Indonesian Tours and Travel Agencies (ASITA).
The new laws are a response to rising religious conservatism in Muslim-majority Indonesia in recent years, with parts of the country enforcing strict Islamic codes. In Bali, the population is predominantly Hindu and, as a result, has had a more liberal social environment that appeals to Western tourists.
Indonesian lawmakers have defended the new laws, saying they were an attempt to satisfy “public aspiration” in a diverse nation. Law and Human Rights Minister Yasonna Laoly said that it was not easy for a multicultural and multi-ethnic country to make a criminal code that “accommodates all interests.”
Winastra says that the new laws caught him and others off guard because they felt the government had been very enthusiastic about increasing foreign tourist arrivals. “Now there will now be rules and laws that will burden tourists and the industry,” he added. Like most major tourist hotspots around the world, Bali suffered significant economic turmoil during the COVID-19 pandemic. From over 500,000 foreign visitors each month, arrivals slumped to as low as 45 for the entire year of 2021.
However, with the pandemic in retreat, government and tourism industry officials had been forecasting a healthy revival, potentially bringing in billions of dollars of revenue for the Indonesian economy.
The World Travel & Tourism Council, a global industry body, forecast annual growth of 10% for Indonesia’s travel industry over the next 10 years, predicting the sector would contribute nearly $118 billion dollars to the country’s GDP while creating over 500,000 jobs each year for the next decade.
Local guide Ken Katut told CNN Travel he believed things were “progressing in the right direction” in the tourism industry after G20 leaders held a summit in Bali last November. Hotels were bustling with delegates, Ken said, and he was “thrilled” to be busy ferrying tourists around the island. “The G20 was great for us who had been out of work during the pandemic,” he said. “It really brought Bali back to life.” Now, some worry the momentum will lessen just as it was picking up again.
What Now?
Under the new criminal code, anyone – Indonesians or foreigners – found guilty of adultery or premarital relations could face 12 months in jail. It is not yet clear how these laws will be enforced.
“Do tourist couples (visiting Bali) have to prove that they are married? Should we be asking them if they are married or not?” wonders Putu.
“Now foreign tourists will think twice about traveling to Bali because someone might jail them for violating the laws.”
Rights groups have noted how the laws will disproportionately affect women and members of the LGBTQ+ community, and added that they could “provide an avenue for selective enforcement.”
Hotel operators have also objected to the laws, saying it would be difficult for them to enforce.
“Asking couples if they are married or not is a very private area and it will be an impossible task to do,” said Ida Bagus Purwa Sidemen, Executive Director of the Indonesian Hotel & Restaurant Association (PHRI).
Sidemen feels that the Indonesian government will review the laws following a public backlash. “We just can’t be asking every couple about their legal marital statuses. It will create huge problems for us,” he said.
“But what is going to happen to us now if the new laws scare tourists off? Will we go back to how we were during the pandemic?”
February 26, 2023
Breakup Lines That Will Leave You Spinning By Miss Know It All
Miss Know It AllBreaking up with someone means the relationship is over. It is the end of a precious bond that you have put your heart and soul into maintaining. The ending can be a blessing in disguise or an upsetting occurrence. Either way, most of us have gone through a breakup and have heard some of the most baffling lines that people have used. With the onset of social media and various apps, the breakup has become even more outlandish. Maybe it is my age. There was a time when a telephone call, a face-to-face conversation, a Dear John Letter, or a note by snail mail would have sufficed.
What can be annoying are the reasons folks give for breaking up. Some are hilarious while others are downright confusing. Therefore, without further ado, the following are some breakup lines that will leave you wondering, “What the devil was he or she really saying?”
Photo by cottonbroIt is not you; it is I - This is one of the most commonly used and very corny ways of saying. “I really did not want to tell you how exhausted I am with our relationship, yet, I did not want you to feel terrible about it. Really?
I need to focus on my profession right now - We all have thoughts about our careers, but that is something you should have made clear before wasting each other’s time.
We are better off as friends - I am a firm believer that you should become friends first before getting into a serious relationship, but what this really means is that the person is not really into you. This is one way of saying, “I am a friend zoning you and do not wish to date you. I really see you as one of my associates.”
Photo by Vlada KarpovichI am not ready for commitment - These words are just bad. If being in a committed relationship is not your aspiration, do not make it a reason for not wanting to put the effort into maintaining that relationship.
I do not want to hurt you - Unless you are a sadist or masochist, I cannot see anyone wanting to be in a tactless relationship. After all, love is not supposed to hurt.
Photo by Jack Sparrow I think we are moving too quickly - The message means the person is not planning to be with you for long and is likely seeing someone else.
You deserve better - The individual should have realized that before forming a relationship.
These are just some of the breakup lines tossed on social media. If you know of any breakup lines that left you reeling, send them to info@oneworldsinglesblog.netand we will post them soon.
February 19, 2023
News for Travelers
Photo by RODNAE Productions News from Travel Noire
You Can Now Buy Your Own Private Jet Membership at Costco - Learn More
Dinner Reservations Just Got Easier, Thanks to Uber and Open Table - Learn More
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Lost Your ID Right Before Your Flight? Here's What To Do - Learn More
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February 12, 2023
Why African Marriages Break Up in the Diaspora
Stella Eromonsere-Ajanaku, an international romance author, shares her reasons why African marriages break up in the Diaspora.
