**''see last modified date at base of all pages''** {{:opencart_-_logo-268x50.png?nolink&400|}} ===== Key to a great relationship and a happy marriage... ===== ---- I BELIEVE THAT WE MUST GIVE 100% (our all) REGARDLESS OF WHAT WE GET BACK.\\ WE MUST TALK ABOUT EVERYTHING AND HAVE **NO** SECRETS.\\ SECRETS BREED INSECURITIES AND INSECURITIES KILL RELATIONSHIPS.\\ \\ //if one gets nothing back...//\\ //any relationship or marriage is like an investor,//\\ //at some point they would like a return on their investment//\\ //is it worth it to continue investing or is the investment dead?//\\ \\ == by David Maree == * **Communication:** Open, honest, and respectful communication helps resolve conflicts and build trust. * **Let go:** Don't hold on to the past. Let it go. Don't hold grudges and resentment. * **Trust:** Trusting each other 100% is fundamental to a strong, long-lasting relationship. Distrust breeds insecurities, and insecurities and distrust KILLS RELATIONSHIPS. * **Respect:** Treat each other with kindness and respect, even during disagreements. * **Honesty:** Be open and honest. * **Honour:** Honour each other. * **Compromise:** Finding a middle ground and being flexible is crucial in maintaining balance in the relationship. * **Support:** Be each other’s biggest supporter, offering encouragement and help in all aspects of life. * **Quality Time:** Spending meaningful time together strengthens the bond and connection. * **1on1 Time:** Spend alone time together time. * **Shared Goals and Values:** Align on important life goals and values, such as family, finances, and lifestyle. * **Patients and Understanding:** Accept each other’s imperfections and be patient through challenges. * **Appreciation:** Show gratitude for each other’s contributions and express love regularly. * **Intimacy:** Maintain physical and emotional intimacy to nurture the relationship. * **Finance:** Financial openness and common goals. Financial stress is often the end of a relationship, so working together is key. * **Tone:** Talk to your partner like you want them to be around for another 100yrs ---- ==== Remember to always... ==== * Hold hands more... * Cuddle more... * Hug more... * Hold each other more... * Say hello more... * Goodbye more... * I love you more... * Miss you more... * You're hot more... * Good morning more... * Good night more... * How was your day more... * How's work more... **...there's NEVER too much of these**. ===== DOES THE OTHER PERSON MATTER TO YOU? ===== ==== Show them !!!!==== ---- ===== FINANCE ===== ==== Relationship KILLER ==== ==== Financial Teamwork is a Relationship SAVER ==== A quick look at two popular budgeting frameworks for managing personal finances: ^ Category ^ 50/30/20 Rule ^ 75/15/10 Rule ^ | **Essentials** | 50% – Needs | 75% – Core Expenses (Living Costs) | | | Housing, utilities, food, transport | Rent, bills, food, essentials | | | Minimum debt payments | | | | | | | **Wants** | 30% – Lifestyle | 15% – Discretionary Spending | | | Dining out, hobbies, entertainment | Non-essential shopping, entertainment | | | Vacations, subscriptions | etc. | | | | | | **Savings & Debt** | 20% – Savings & Extra Debt Repay | 10% – Savings | | | Emergency fund, investments | Emergency fund, retirement, etc. | | | Extra loan payments | | ---- === Key Differences === * **75/15/10** is more conservative, prioritizing living expenses heavily – good for high-cost areas or tighter budgets. * **50/30/20** gives more flexibility and balance between needs, wants, and savings – great for general financial discipline. ---- **Tip:** Choose a model that fits your lifestyle, income level, and financial goals. You can also tweak either rule to build your own custom ratio. **It's all about creating a balanced and practical plan for your money.** ---- ====== Fun Fact 2025: The Power of Wealth (And What *You* Can Do) ====== **There are approximately 3,028 Billionaires in the world**, controlling **US$16.1 Trillion** in total net worth. \\ Not impressed? Let's go bigger: \\ **There are over 58 million Millionaires** globally (yes, each billionaire is technically one of them too), together accounting for a colossal **US$213.8 Trillion**.\\ \\ ---- === Imagine This === What if just **10%** of that total wealth went toward global betterment annually? * Solar infrastructure. * Environmental restoration. * Public health and education upliftment. The world would be transformed, year after year. But... that's not how it's going (yet). ---- === Here’s the Real Takeaway === We can't all be billionaires. We can’t all be millionaires. But each of us can **do something**. Take this example: \\ In **2019**, **my family and I donated trees** to a nature reserve. \\ In **2029**, those trees will be converting **980 tons of fresh oxygen per year**. \\ That’s real. That’s making a difference for the benifit of....\\ ---- **→ Everyone can do something. Start where you are, with what you have.** The world needs *you*, not your millions. A broad‑leaf Yellowwood that escapes logging, lightning and wind‑throw can easily reach\\ 600–800 years, quite possibly over a millennium;\\ the best growth‑rate data suggest an absolute biological ceiling somewhere around //1 200–1 500 years//\\ Anything beyond that has not yet been scientifically confirmed. ^ Seed condition ^ Clean seed mass per tree (kg) ^ Approx. viable seeds / tree / year* ^ | Normal year | 2 – 4 kg | 3 400 – 11 000 | | Good “mast” year| up to 10 kg | 17 000 – 28 000 | *//Rounded from://* * Seeds / kg = (1 000 g ÷ 0.36 – 0.60 g) ≈ 1 700 – 2 800 raw seeds * × 80 % average viability → ≈ 1 400 – 2 200 viable seeds / kg * Multiplied by the kilogram range shown above.