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Can We All Afford to Ignore This?

Can We All Afford to Ignore This?

What the heck is an  “Unfunded Liability”?

In our efforts to build the American dream, encourage people to work hard and be good law abiding citizens our society invented the safety net of social services and financial back ended rewards such as pensions and social security.  Great motivators—and I am all about motivation—however when you put in the time and then the reward is not there when you need it, it creates the “great consternation.” This ,my friends is called “Unfunded Liabilities.”

If you borrow money from a bank, you are expected to pay it back. If you gamble at a casino on your credit card, you are expected to pay back your losses. If you promise a friend to help them in the future, your friend expects you to help.

If you don’t have the cash to pay back the loan, squander your credit on gambling or have no intention of helping your friend—those are “Unfunded Liabilities,” which will damage your relationship.

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So, what happens?

A bank can harm your credit rating and you might lose the friend; the gambler may bring some real hurt to collect the debt.

I listen to talk radio a lot.  Being a talk show host leads you into the talk show world and I always want to improve not only the vocabulary, but to find new issues to talk about, plus I just enjoy the learning process.

So I have been hearing this term “Unfunded Liabilities” quite a bit. This is something I want to talk about more in depth, as it really gets my motor firing.

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I am convinced that the best way to deal with our nation’s unfunded liabilities is for each and every one of us to deal with our own, personal, unfunded liabilities whether it be health, fitness, happiness, and/or finances.

Let’s improve our quality of life

I want us all to improve our quality of life.

Ignoring debt can only make matters worse; head in the sand will not protect you when the tsunami hits the shore.

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Unfunded liabilities, entitlements, pensions and the like started as great ideas.  However, moving forward into the future, they have become an incredible hindrance.

We don’t have to do it alone. We can help each other solve our own problems together. Friends help friends, neighbors help neighbors, and, ultimately, citizens reach out to each other to improve our collective health, fitness, and finances.

That will make a lot of us happy.

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It is time to step up and fix things.  Through adversity grows opportunity I like to say.

We need to become engaged in the process of improving our QOL (quality of life), because our road trip is just beginning and we need all of the tools and supplies that will make this a memorable road trip into the future; so what are these “tools and supplies”?

QOL List

Here is the start of our list, and I would like everyone to contribute their own thoughts. No idea is a bad idea!

  1. Live in the moment and look forward to the future—reminiscing is ok but we have way too many cool things coming to dwell.
  2. Small steps to improve your QOL—great road trips take planning; making changes in your life take time, imagination, and a positive mental attitude. Now we are talking.
  3. Accept the fact that to worry about unfunded liabilities and entitlements is a waste of time. Strategize. Find your passion and don’t sweat the small stuff.
  4. Build your foundation for the roadtrip by equipping the bus with all of the tools that will empower us to have a blast, be it education, training, or volunteering, nutrition, fitness and rest—all of these tools need to be in our toolbox.

With all your help, we can accomplish this!

Featured photo credit: US Federal Government via google.com

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tom matt

Talk show host, Author, Professional Inspirational Speaker, Higher Education-Telecommunications Professional

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Last Updated on October 17, 2019

How to Spend More Quality Time with Your Partner

How to Spend More Quality Time with Your Partner

You see your partner every single day. They are the first person you talk to in the morning and the last person you kiss goodnight.

But does seeing each other day in and day out equal a healthy relationship? Not necessarily.

Spending quality time with your partner is the best way to ensure your relationship stays healthy and strong. This means going above and beyond sitting together while you watch Netflix or going out for the occasional dinner. You deserve more from your relationship – and so does your spouse!

What does quality time mean? It means spending time with your spouse without interruption. It’s a chance for you to come together and talk. Communication will build emotional intimacy and trust.

Quality time is also about expressing love in a physical way. Not sex, necessarily (but that’s great, too!) but through hand-holding, cuddling, caressing, and tickling. Studies show that these displays of affection will boost partner satisfaction.[1]

So how do you spend quality time with your partner? Here are 13 relationship tips on making the most out of your time with your partner.

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1. Recognize the Signs

If you want a healthy relationship, you have to learn how to recognize the signs that you need to spend more quality time together.

Some telltale signs include:

  • You’re always on your phones.
  • You value friendships or hobbies over quality time with your spouse.
  • You aren’t together during important events.
  • You are arguing more often or lack connection.
  • You don’t make plans or date nights.
  • You’re not happy.

If you are experiencing any of these relationship symptoms, know that quality time together can reverse the negative effects of the signs above.

2. Try New Things Together

Have you ever wanted to learn how to play an instrument or speak another language? How about skydive or ballroom dance?

Instead of viewing these as solo hobbies and interests, why not involve your partner?

Trying new activities together builds healthy relationships because it encourages spouses to rely on one another for emotional and physical support.

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Shared hobbies also promote marital friendship, and the Journal of Happiness Studies found that marital satisfaction was twice as high for couples who viewed each other as best friends.[2]

3. Schedule in Tech-Free Time

Your phone is a great way to listen to music, watch videos, and keep up-to-date with friends and family. But is your phone good for your relationship?

Many couples phone snub, or ‘phub’, one another. Studies show that phubbing can lower relationship satisfaction and increase one’s chances of depression.[3]

Reduce those chances by removing distractions when spending quality time together and showing your partner they have your full attention.

4. Hit the Gym as a Couple

One way you can spend more time together as a couple is by becoming workout partners. Studies show that couples are more likely to stay with their exercise routine if they work out together.[4] Couples also work out harder than they would solo. One study found that 95 percent of couples who work out together maintained weight loss compares to the 66 percent of singles who did.[5]

Join a gym, do at-home couples’ workouts, try couples yoga, hit the hiking trails, or get your bikes out. No matter which way you choose to exercise, these healthy activities can promote a healthy relationship.

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5. Cook Meals Together

Pop open a bottle of wine or put some romantic music on while you get busy – in the kitchen, of course!

One of the best relationship tips for spending quality time together when you both have busy schedules is to cook meals together.[6]

Spice things up and try and prepare a four-course meal or a fancy French dish together. Not only is this a fun way to spend your time together, but it also promotes teamwork.

If all goes well, you’ll have a romantic date night meal at home that you prepared with your four hands. And if the food didn’t turn out the way you’d hoped, you are guaranteed to have a laugh and create new memories together.

6. Have a Regular Date Night

Couples experience a greater sense of happiness and less stress when they are spending quality time together.[7] One of the biggest relationship tips for a healthy partnership is to include a date night in your weekly routine.

The National Marriage Project found that having a weekly date night can make your relationship seem more exciting and helps prevent relationship boredom.[8] It also lowers the probability of divorce, improves your sex life, and increases healthy communication.

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Some great ideas for what to do on your date night include:

  • Have a movie marathon – Gather up your favorite flicks and cuddle up on the couch.
  • Play games together – Cards, board games, video games, and other creative outlets are a fun way to spend quality time together.
  • Recreate your first date – Go back to that restaurant and order the same meal you did when you first got together. You can spice up your evening by pretending you’re strangers meeting for the first time and see how sexy the night gets.
  • Plan a weekend getaway – There’s nothing better than traveling with the one you love.
  • Dinner and a movie – A classic!
  • Try a new restaurant – Make it your mission to rate and try all of the Mexican restaurants/Irish pubs/Italian trattorias in your area.
  • Have a long sex session – Intimacy promotes the release of the oxytocin hormone which is responsible for a myriad of great feelings.[9]

Here’re even more date night ideas for your reference: 50 Unique and Really Fun Date Ideas for Couples

Final Thoughts

The benefits of spending quality time together are endless. Here are just some of the ways it can contribute to a healthy relationship:

  • Improves emotional and physical intimacy
  • Lowers divorce rates
  • Improves communication
  • Reduces marital boredom
  • Bonds couples closer
  • Improves friendship
  • Boosts health
  • Reduces stress

These are all excellent reasons to start making date night a regular part of your week.

It’s easy to have a healthy relationship when you set aside dedicated time to share with your spouse. Try new things together, make your spouse your workout buddy, and look for innovative ways to be close and connected.

These relationship tips will bring great benefits to your marriage.

Featured photo credit: Allen Taylor via unsplash.com

Reference

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