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Feathered creatures OF TOKYO LYRICS "Weight Of The World" I began considering no way I was youthful to the world How was I to know not? I began considering no way Allowed to commit all errors Gotta seep to improve, and I won't endure this life I won't convey the heaviness of the world I won't hold up, this begins now I won't convey the heaviness of the world Convey the heaviness of the world I must convey your blazing heart Like a siren it shouts Instructing me to continue running I must convey your blazing heart It's so overwhelming to hold yet it's all that I've ever known I won't endure this life I wil not convey the heaviness of the world I won't hold up, this begins now I wil not convey the heaviness of the world I won't - I won't I won't - convey the heaviness of the world I won't - I won't I won't - convey the heaviness of the world This could be all that we required An opportunity to be a piece of the battle Better believe it this could be all that we required We stay to the end we recollect today evening time This could be all that we required An opportunity to be a piece of the battle No doubt this could be all that we required We stayed to the end we recollected today evening time I know you're pondering, I'm certain you should be terrified I won't quit turning, however the timekeepers don't appear to mind Try not to surrender, don't retreat from me Sufficiently enough, on the off chance that we stay, we'll never clear out You know I'd run with you anyplace Simply get me out of here You know I'd run with you anyplace You gotta get me out of here download lagu You realize that regardless of the fact that we lose it all We'll have something excellent You know I'd run with you anyplace So simply get me out of here, definitely We needn't bother with guarantees of incalculable miles of new To experience our lives a way, we generally thought we could We can hang tight, hang tight, hang tight, hang on We leave in a minute We can hang tight, hang tight, hang tight, hang on We leave in a minute, we leave in a minute You know I'd run with you anyplace Simply get me out of here You know I'd run with you anyplace You gotta get me out of here You realize that regardless of the fact that we lose it all We'll have something excellent You know I'd run with you anyplace So simply get me out of here, no doubt
Getting married is a serious affair; if you’ve already set a date, it’s time to sit down and discuss your finances. A marriage is similar to merging two companies. If you don’t assess your potential partner’s finances, there’s always a chance you’ll run into unexpected financial surprises.
Happiness and peace in your marriage depend largely upon how well you and your better half deal with issues like communication, parenting, in-laws, and most importantly, finance. Numerous studies show that ‘financial infidelities’ are becoming more common. Many people lie to their spouses about finances, whether it's an unpaid personal loan or a bad investment.
Let’s Talk about Debt
Talking about debt is the hardest but most important discussion that couples should have. Debts on either side of a relationship can affect your combined ability to buy a home or a car. Discussing your debts will give you and your spouse-to-be a clear picture of how to address your respective financial conditions.
Many young adults get hitched with an outstanding student loan or a bad credit score. You may have also taken a marriage loan for your dream wedding, so both of you will need to be well-informed about any existing debt. It’s always better going into a marriage knowing this information.
Discuss your Financial Goals
Each partner might have a different financial game plan. One of you might want to retire earlier or invest in a certain blue-chip stock, while the other might have a completely different perspective. It is imperative that your partner knows your opinions on such matters, so that you can together form an effective financial plan.
The best way to begin this discussion is to write down your financial goals and concerns, and show them to your partner. You discuss whether you want to buy or rent a home, what sorts of mutual fund portfolios to invest in, and the best way to start a retirement fund.
Create a Budget
When you’re newlyweds and at relatively early points in your respective careers, you can expect money to be a little tight. At this point, it is always good to make a budget and, more importantly, stick to it. This will help you avoid arguments about things like spending too much money and building up credit card debt.
It is a good idea to talk about monetary issues every so often. Whether one of you says ‘I need a loan,’ or needs to buy a household appliance, you should discuss it. To avoid conflict, you can give each other enough time to prepare for such meetings and work towards making these talks routine.
Joint or Separate Accounts
One of the biggest questions that come with marriage is whether couples should maintain separate finances, or pool money together. Many think that if the husband and wife both work, it makes sense to have separate budgets.
If you do decide to share expenses though, it’s important that you and your would-be discuss matters and remain on the same financial page. You could have a joint account with your spouse for shared savings goals and household spendings, while still maintaining a personal savings pool—useful if you want to remain financially independent.
If you want to buy a home, it is advisable to buy a home together. Both your names should be on the title deed and mortgage contract for the house. You should also cite a clause called “the right of survivorship” which states that, if one of the spouses dies, the ownership of the land or house automatically goes to the surviving one.
Also, when you apply for a home loan as a couple, banks will more likely approve of your loan . This way the bank is protected and if one spouse passes away, they can continue to collect the EMIs on the loan.
You never know when you might need medical assistance, and it’s always better to be prepared for this situation. Rather than paying double for two separate medical insurance policies, you and your spouse could opt for a less expensive joint plan.
Since insurance packages differ from firm to firm, look around and find out which plan suits you best. Check which package will pay for the best treatment and benefits, at the lowest cost. This may require plenty of running around, but it’s worth it in the long run.
Retirement and Non-Retirement Investments
Although both of you may be responsible for your own individual retirements, it is always good to figure out what your retirement plan is, as a couple. Just as you would discuss any big spending, it is wise to sit and discuss your goals, whether they are to retire at 40, or to go on a global vacation at 60.
If you have any investments that aren’t related to your retirement fund, they should be reviewed jointly and even co-owned. It is best to discuss how you intend to pay back these loans, and what you plan on using the loan amount for.
This isn’t exactly necessary, but it helps to know how much tax you’re both liable for. Through some smart planning, you can actually make savings on taxes as a married couple.
You could even go to a professional to get some help and sound advice on the best tax shelters out there.
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The day of your wedding is much more than a celebration—it’s the day you’re joined to another soul. You want the world (your friends and relatives, at least) to know of your official happy union with your soul mate.
Why, then, would you want to compromise on what is the biggest and most important party of your entire life?
Your big day should be exactly as you want it, down to the tiniest detail, and your current financial situation shouldn’t rob you of that joy. A wedding loan can help you tie the knot in pomp and glory, and pay the bills in a convenient, instalment-based manner.
Let’s look at what you need to know about using a wedding loan to finance your (and your soon-to-be life partner’s) entry into the next big stage of life.
What is a Wedding Loan?
It’s a common misconception that a wedding loan is a special and complicated affair. In reality, this is simply a personal loan for wedding expenses.
Most banks give you instant approval, and you can usually get the funds allocated into your account in a matter of days. Also, these are available to salaried as well as self-employed individuals; the nature of your job doesn’t matter when you apply for a personal loan for weddings.
Why do I need one?
Weddings, because they are such a huge event in any young couple’s lives, especially in a country like India, command quite a high price. The standard expenses include jewellery, wedding attire, a place of worship (usually), a reception venue, catering, and accommodation for guests.
The above mentioned are only the common expenses. With the recent trends in weddings, however, you might opt for a grand theme. These cost money, as do pre/post wedding photo shoots, fancy venues like hill stations, and unexpected costs like a sudden change in venue.
In the rather unlikely case that your savings can cover all of the expenses involved in a wedding, you can do without the loan.
If you are like the majority of our population and live on an average salary, a personal loan might just be your ticket to the wedding of your childhood fantasies!
How do I apply for one?
Getting a personal loan approved is a simple matter; all you need are your financial statements from the last 3 months, proofs of identity and residence, and work experience documents. If you practice business and are thereby self-employed, you’ll need your ITR documents in place of the aforementioned work experience documents. Provided the necessary papers are ready, funding your wedding using a loan is quite a simple matter.
While a personal loan can be the right solution to your wedding fund requirements, take care to ensure that you only apply for an amount you can pay back realistically.
So long as you take care of this, you’re one step closer to your dream wedding, however grand you want to make it.