By Daniel Millions
 In a tough economy, family members and friends sometimes wind up lending money to those that find themselves in a bit of a pinch. Often this turns into a much sticker situation than the two parties had originally hoped it would be. Instead of just being there for someone in a crisis, this can often lead to arguments and sometimes can lead to the dissolution of the entire relationship.
It is critical when making a personal loan that you set ground rules beforehand. Decide exactly how much will be lent and when it will be paid back. Sometimes the lender is not in the easiest situation to pay back the entire amount right away due to unemployment or excess bills. A payment play with reasonable and practical payments is the best choice for both parties. Knowing that the lender is making regular payments every month often puts the lender in a calm state of mind. This also gives the lender confidence that they truly can pay back the full amount, even if they don't quite have it right on hand at this moment.
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By Rachel Yoshida
 If you ever find yourself saying that keeping up with all of your bills and finances is just killing you, then you could be closer to the truth than you think. People everywhere are suffering some terrible physical and emotional effects because of the stress related to their jobs and finances. In that ever consuming bid to keep up with the times or just to make ends meet, the workload we carry every week can become overwhelming.
It has been proven by medical research that stress can have a tremendous effect on our heart and minds as well. Heart attacks, nervous breakdowns, anxiety attacks, and depression can often be caused by the burden of our jobs and financial situations. We have to have the job to furnish the money and we have to manage the money to pay our bills and survive. When these things get out of balance some how or become too much for us, we can suffer terribly.
When you find that you are making trips to see your doctor to get medication for stress related issues, it could be |
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