What you need to know about RE Exams

PASS YOUR RE EXAMS

RE1 as well as RE5 Exam Workshops

The RE exams can be a challenge to pass and lots of people take the exams more than once before passing. There is a large amount of course material and Lets Study Training Services offers you a workshop where we take you through the process, by doing mock exams can help you pass your exam.

What examination must I write?

Both the RE5 and RE1 are Level One examinations. RE5 is for Representatives and RE1 for Key Individuals. The RE3 examination is for licence category II candidates.

Exam Costs

The FSB determines the fee. Currently it costs R1226 per exam, also in the case of a re-write.

What preparation material is available?

Please make sure that you first read the FSB’s Preparation Guide to see to it you follow the ideal procedure in preparing.

RE Exams

RE Exams Johannesburg – Both the RE5 and RE1 are Level One exams. RE5 is for Reps and RE1 for Key Individuals. Fully updated resources are available for those requiring access to the legislation applicable to the regulatory examinations. Please make sure that you initially read the FSB’s Preparation Guide to make sure you follow the ideal procedure in preparing. Remember that this exam tests your understanding about the laws applicable to the provision of financial advice and intermediary services. The questions are based on extremely specific qualifying criteria set out in the FSB preparation guide.

RE5 Study Material

RE5 Study Material – The amended requirements contained in the 2017 Determination of Fit and Proper Requirements will impact on the content of the study material for the REs.

RE1 Study Material

RE1 Study Material – It appears that numerous candidates underestimate the significance of correct preparation for this professional examination.

There are two standard documents which candidates need to study in order to ensure success:

The FSB recently updated its Level 1 RE Preparation Guide for Key Individuals and also Reps. Without at least reading through this, candidates have no idea of what to anticipate.

RE1 Exam

RE1 Exam – These regulatory exams form part of the competence requirements, and consist of two levels:

Regulatory examinations Level 1: These regulatory examinations must be completed within 2 years of appointment or approval. People currently in the industry appointed or approved between 2004 and 2009 must complete these regulatory examinations successfully by 31 June 2012. People entering the industry from 2010 must complete these regulatory examinations successfully within two years of appointment / approval.

RE Exams Expense

RE Exams Expense – The RE exam expense is R 1226 per examination as well as for rewrites.

FAIS Examinations

FAIS Examinations – The students that are required to write FAIS examinations are reps that work in the insurance sector as well as provide guidance and/ or intermediary services to clients. The most common professions or work positions for the delegates who are attending the workshops are primarily, Sales Consultants, Client Services Consultants, Claims Advisors, Broker Consultants, Underwriting Managers, Retention Consultants, Branch Managers, Team Leaders, and Key Individuals and Sole Proprietors. The learners are required to rewrite FAIS Regulatory Exams (RE) Level 1 (RE 5 or/and RE 1), if they have not passed

Inseta RE5

Inseta RE5 – The content of these regulatory exams are based on the regulatory structure and the regulatory role of the individual, for instance the FAIS Act, Code of Conduct, FICA and so on. Please refer to BN 105 Annexure 1 for even more detailed information regarding the content. These regulatory exams are mandatory and all representatives and also key individuals are required to complete these regulatory examinations.

What Is RE5 Qualification

What is RE5 qualification – All Representatives, including those employed or mandated by an FSP, who provide a financial service to a client (excluding a person rendering clerical, technical, administrative, legal, accounting or other service in a subsidiary or subordinate capacity which does not require judgment or does not lead to a specific transaction in respect of a financial product in response to general enquiries) are required to write this exam.

Difference Between RE1 and RE5

Difference between RE1 and RE5 – RE1 is a basic exam that applies to all key individuals and sole proprietors in all the Categories. This exam contains 80 questions. All sole proprietors as well as key individuals that are responsible for managing and supervising a company relating to the rendering financial services for FSPs in Category I, II, IIA, III and IV are required to write this exam.

RE5 is all Representatives, consisting of those employed or mandated by an FSP, who render a financial service to a client (excluding a person rendering clerical, technical, administrative, legal, accounting or other service in a subsidiary or subordinate capacity which does not require judgment or does not lead to a specific transaction in respect of a financial product in response to general enquiries) are required to write this exam.

Regulatory Examination

Regulatory Examination – It is accepted worldwide practice and standard to establish professional examinations for professions. The FAIS regulatory examinations are, therefore, not one-of-a-kind.

RE5 Certificate

RE5 certificate – There are daily requests for duplicates of outcomes, or RE1 certificates and RE5 certificates from candidates who mislaid their own. You can download and install these from the website of the company where you wrote the exams.

RE1 Examinations Study Material

RE1 examinations study material – The Inseta website has been redesigned, and students wishing to download and install the preparation material for the regulatory examinations may experience some trouble in finding it.

How To Pass RE5 Exam

How to pass RE5 exam- The first two will be easiest for those who understand their material well. Levels 3 as well as 4 are usually much longer type questions, requiring much more thinking to reach the right answer.

A simple bit of math will certainly reveal that 35 of the 50 questions in the Representative’s examination are taken from levels 1 and 2. This constitutes 70% of the questions.

When it comes to the Key Individual examination, it is 54 of 80 questions, or 67.5% of the questions.

A longer type of question will take more time to read and answer than a shorter one, yet a right answer for either type of question will only score one point. According to the exam tips from the regulator, the following is a guide to the time allocation per type of question:

– Knowledge: ½ – 1 minutes per question

– Comprehension: 1 – 1½ minutes per question

– Application and analysis: 1½ – 2 minutes per question

This is clearly just a basic guide, yet it helps to know where you can save time, and where you are most likely to spend more time.

RE5 Training course

RE5 training course – In truth there is no course for the RE5 qualification. There are however workshops that usually strech over 2 days where you will get the assistance you require to pass your RE5 exam.

RE1 Training course

RE1 training course – In truth there is no course for the RE5 qualification. There are however workshops that usually strech over 2 days where you will get the assistance you require to pass your RE5 exam.

RE Exams Registration

RE exams registration – There are several centers where you can register for the RE exams, the most popular being Moonstone. Some of the workshop providers will also assist you with your registration when attending the workshops.

RE5 Study Material pdf

RE5 study material pdf – The study material for both RE1 and RE5 is available in pdf format from the INSETA website. When attending a workshop to prepare you for the exams you will most likely receive the printed material.

The Financial Advisory and Intermediary Services Act, 37 of 2002, (“the FAIS Act”), came into effect on 30 September 2004. The objective of the FAIS Act is to:

Protect consumers, and Professionalise the financial services industry.

The Act requires all financial advisors and intermediaries (providers) to meet certain competence requirements. At the time, the competence requirements consisted of experience and qualifications. To aid industry participants, the initial qualification requirements needed to obtain a licence to act as a provider were “reduced” from full qualification requirements to skills programmes (or credit requirements) to help those in the industry that did not have any formal qualification as well as those who had to start with studies as a result of the promulgation of the FAIS Act. The intent was always to gradually increase the qualification requirements to the requirement that providers should have full qualifications.

Consequently thereof, the Decision for Fit and also the Appropriate Needs for Financial Services Providers, 2003, had to be assessed. The FSB started an extremely intensive consultation procedure with the industry regarding the competency requirements. A “blank slate” approach was followed. Simply put, the existing Fit and Proper requirements were set aside completely and industry stakeholders were welcomed to provide input as to what requirements would be suitable, reasonable and “workable for them”. Input was likewise acquired regarding what would be a useful and efficient method to implement the requirements, and what those requirements should be? The consultation procedure with stakeholders begun in October 2006 and continued up until September 2008. The consultation was open to any provider, individual, industry associations, professional body etc. Participants were mostly product experts, professional bodies, industry associations, providers, representatives from larger corporate companies, and even training providers that specialise within the financial services industry.

Regulatory examination — It is accepted worldwide practice and standard to establish professional examinations for professions. The FAIS regulatory examinations are, therefore, not one-of-a-kind. The purpose of the regulatory exam is to establish a minimum standard in regards to the following:

Knowledge and understanding regarding the role and responsibilities of a key individual or a representative under the FAIS Act. Although the FAIS Act has been in operation since 2004, it was generally accepted that the level of understanding, awareness and understanding of the responsibilities enforced by the FAIS Act on providers was lacking. This led to non-compliance with the provisions of the FAIS Act for instance; providers did not provide clients with the needed information as required by the FAIS Act.

Providers are further under the misconception that ensuring compliance with the legislation is the responsibility of the compliance officer. This is not the case– the key individual is accountable|liable to ensure compliance with the FAIS Act and also representatives also have specific responsibilities in respect thereof. The compliance officer is responsible for the monitoring of compliance only.

It was agreed that a once-off regulatory examination should|ought to address the problems referred to above, and would ensure that all providers have a proper understanding of their specific regulatory roles. The examinations would be compulsory for everyone rendering financial services to clients. This was also viewed as part of the objective to professionalise stakeholders in the industry and to have confidence that providers know as well as understand the legislation that governs their industry.

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Living in Colorado Springs and Want to Save A Marriage?

Living in Colorado Springs and Want to Save A Marriage?

Today, most people agree an importance of marriage and intend to save their marital relationships. Many people are finding their marriage to be in trouble in the second most populous city of Colorado Springs in Colorado. The problems in married life may be due to absence of love, no sex, abusive partner, infertility, unfaithful partner, lack of communication and financial problems. Sometimes, these problems may be beyond the tolerance and the couples may wish to get a divorce.

It takes years to build a relationship but a simple mistake to break it at a fraction of a moment; you need not worry if you are looking to save a marriage, Colorado Springs has many counseling houses meant for resolving the problems in married life and maintaining the progressive interpersonal relationships

Whenever the conflicts in married life cross the tolerance limits, the couples try to resolve the problems before taking any harsh decision, as a separation is stressful for both the partners and their children. They first try to manage this problem by talking with each other or with their family or friends. If the problem still persists, the couples may go for the marriage counseling. If you are not from this city and wish to save a marriage, Colorado Springs city’s counseling houses offer even online facilities.

The couples and families in Colorado Springs often look for a licensed counselor to seek the counseling. The counseling bureaus in this city are well-known for their skilled and experienced staff. In order to save a marriage, Colorado Springs has numerous therapists, counselors and psychiatrists who offer confidential treatments, advice, support, stabilization services, case management, evaluation and responsive services.

They are with psychology background and are licensed by the state. While selecting the licensed counselor, you should keep in mind the background, psychology education, affiliations and experience of the counselor. The licensed counselors can be found in the community by searching in the local phone book or checking the online directory listings.

The counseling professionals can help the couples regarding the career, family services, marriage services, marriage help, health issues, mental health issues, related to divorce, depression, anger management and substance abuse.

Marriage counseling contributes a lot to prevent the divorce and maintain the healthy relationships by resolving the conflicts, improving the interpersonal relationships, overcoming the differences and reconstructing the marriage. Various counseling sessions are organized which may offer good opportunity to the couples to share their feelings and help to clear the misunderstanding.

The purpose of counseling involves resolving the problems in married life, sex therapy, couples therapy, relationship counseling and family therapy. It offers the opportunities for the personal growth, self-assessment as well as spiritual and emotional healing. Self-assessment helps to find out your own mistakes and solutions to correct them.

It also helps to find out the differences between the couples and ways to overcome them. Marriage counseling program offers professional help in areas such as assertiveness skills, controlling the anger, overcoming the differences and anxiety, improvement in the communication skills, conflict resolution skills and listening skills.

You would not have to go far if you want to take someone’s advice to save a marriage, Colorado Springs itself presents a variety of ways to get the proper guidance.

Seeking Marriage Help in New York

Seeking Marriage Help in New York

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Source: Flickr

There are many different options available to manage the problems in your married life and to save your marriage. The problems in the married life may be because of lack of communication, absence of love, no sex, abusive partner, infertility, unfaithful partner and financial problems.

When these problems go beyond the limits of tolerance, the couple may start thinking about getting separated. However, divorce can affect personal and family life of both the partners. Hence, the couple first should try to find the ways to resolve the problems in married life and save the marriage.

When you try some options like talking with each other, talking with your friends and family and if you come to known that it does not work, then you may go for the marriage counseling. Marriage counseling is a form of therapy applied for conflict resolution which is generally carried out by the trained psychotherapist.

It plays a significant role in preventing the divorce and maintaining the healthy relationships by resolving the conflicts, improving the relationships, overcoming the differences and reconstructing your marriage. You need not have to go far to seek the advice to save a marriage, New York itself offers a variety of ways to get the proper guidance.

In order to save marriage, New York has numerous marriage-counseling bureaus spread in the city. Marriage counseling in New York offers empowering, creative solutions to the family and couples based on Imago Therapy to overcome anxieties and inhibitions in their struggle for great emotional intimacy. It tries at its best to prevent divorces and save marriages.

For those who wish to save marriage, New York City’s counseling houses have the superbly trained staff. The psychiatrists in the bureaus are extremely skilled and highly experienced and with intense knowledge in marriage counseling. It is very important to choose the right marriage counselor and couple therapist to get the successful outcome. He should be highly qualified and should have master’s degree in counseling or social work. He should have enough experience of marriage counseling.

The mission of marriage counseling is to resolve the problems in married life, sex therapy, couples therapy, relationship counseling and family therapy. The different forms of marriage counseling are effective when accompanied by the methods of natural psychotherapy and holistic concepts.

Marriage counseling bureaus in New York specialize in the fundamental issues of modern relationships including building and ending relationships, relationship problems, couples counseling and also pre-marital counseling. If you are not from this city and want to save marriage, New York City’s counseling bureaus offer the online facilities for you.

The marriage counselors take the genuine efforts to prevent the divorce by resolving the problems in married life and by rebuilding your relationships. They provide the effective tools such as relationship skills and communication skills to save the marriage. Various counseling sessions are held for the couples which offer good opportunity to the couples to share their feelings and help to clear the misunderstanding.

The counselor may not solve the problems in your marriage, but will help you to solve them yourself by making your marriage bond strong and keeping your relationships alive.

The effects of marriage counseling in New York are found to be wonderful. After seeking this counseling, many couples have been successful in resolving the conflicts in their married life and have got back to a happy married life.

Unique Wedding Favors For Summer Theme Weddings

Unique Wedding Favors For Summer Theme Weddings

Small gifts offered to guests attending your marriage known as wedding favors not only share your thought and ideas among guests but also are innovated idea of giving thanks to your guests. Wedding favors give you and your spouse immense satisfaction to give something back to your guests as a token of appreciation.

The carefully innovated ideas can be reproduced at your wedding to avoid wasteful favors. Wedding favors should be decorated at each table. The idea of putting a printed guest name and table number on place cards and wrapping with your favor will really surprise the guests. Some of the following wedding favors are suitable for summer theme wedding.

• Fresh fruit or lemonade should be served to the guest especially during summer to keep them cool.

• During summer beach marriages are most popular. The decoration of table and providing a beautiful beach chair will impress the guests. If mini glass lantern are provided in the lawn, it will boost the look and will provide a romantic feeling during peak summer evening.

• You should select the seasonal colors such as purple, yellow, bright pink and blue. Pastel colors cal also add a flavor to the summer wedding.

• Leather Photo Frame: An excellent and unique favor to the guests should be provided at the guest table. A photo of your engagement, if provided will really impress the guests.

• Coffee cup mini candle: These are the small candles in designer cups, when lit give the aroma of coffee and these cups are available in the market with a thank you tag. You may also give special orders to design the label or tag as per your wish. These are unique and useful.

• Ice cream scoop wedding favors: These ice cream scoop-wedding favors are available in the markets. These are sometimes specially designed as per your need and are made available to you. Most common are silver-plated.

• Seashell candle wedding flavors: These are the most unique and most perfect for beach marriages. This will remind your guest the depth of sea and aroma of sea.

• Heart shaped cup wedding favors: These cups looks nice and are able to tempt your guest in romantic moods. These cups are provided in beautiful packing and printed tags can also be provided as per your choice.

• Heart shaped key ring: These are the beautiful key chains and reminds your guests your hearts all the time they use these key chains. These chains if personalized with engraved features supplied by you will really look unique.

• Long stem rose candle: These are the long stem roses candles packed in cylindrical boxes, if decorated at the table will enhance the look and beauty of the table and surrounding. These are available in the market and come in various colors.

• Sandalwood fan for wedding favors: These are suitable for summer wedding parties. These wedding favors are hand made and release the beautiful fragrance of sandalwood when waved. These are ideal for outdoor summer marriages and the ladies guests will like these wedding favors.

• Bottle Opener: Bottle openers are required as and when there is a need to drink. Bottle openers available in beautiful designs and sometimes silver plated are good wedding favors to offer to the guests.

• Porcelain Vase: These vases are available in elegant and beautiful styles. You can decorate these vases with the flowers of your choice. You can also personalize these vases with beautiful tags. These are still the best wedding favors.

Wedding Countdown

Wedding Countdown

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Source: Flickr

Planning a successful wedding requires careful planning. We have created timeline for some of the most important elements of your wedding planning process.

1 year before your wedding day (or anytime after your engagement)

· Announce your engagement
· Determine the wedding date
· The bride and groom should introduce the parents, if they haven’t already met
· Set your budget
· Hire the wedding planner
· Research possible reception sites
· Make a rough draft of the guest list
· Join a fitness club if you aren’t already a member at one. Planning and going through your wedding is going to be a lot of fun, but you will need to be in good shape to handle the demands of the wedding planning process.
· Research your bridal shower favors and wedding favors

6-9 months before

· Decide on your caterer
· Hunt for your wedding gown
· Select your wedding party
· Book a DJ or a band
· Sign up with a bridal gift registry
· Shop for the bridal attendants’ dresses
· Choose a florist
· Hire a photographer and a videographer

4-6 months before

· Finalize your wedding guest list
· Search for a hotel for your out of town guests
· Order your wedding invitations
· Purchase your wedding gown
· Call the bakeries or cake decorators in your area to check for date availability.
· Make travel arrangements for your honeymoon

2-4 months before

· Order your wedding favors
· Shop for your wedding bands
· Find out about your state’s marriage license procedures
· Reserve or purchase the tuxedos for the groom and groomsmen
· If required by your state, get a blood test
· Finalize your wedding reception menu with your caterer
· Order you wedding cake
· Contact your ceremony site about your ceremony music
· Make arrangements about your reception music (DJ or band)
· Organize the rehearsal dinner
· Reserve tables and other necessary items with a party rental company

1-2 months before

· Run a complete test of your wedding makeup and hairdo. Invite some friends with you.
· Mail or deliver the wedding invitations

1-3 weeks before

· Complete the final seating chart for the wedding reception
· Contact photographer with the details of the ceremony and reception sites
· Provide your reception venue with a final head count based on the RSVPs received
· If necessary, make final adjustments to your wedding gown
· Facials should be booked for the bride, groom and bridesmaids
· Get your luggage ready for the honeymoon
· Your bridesmaid or a reliable friend should make sure the following items are promptly delivered: Toasting glasses, Band-Aids, Nail clippers, Cake knife, Emergency sewing kit

Last minute

· Most importantly, relax. This is supposed to be a fun experience.
· You are about to experience one of the best days of your life.
· Welcome your out-of-town guests
· To help you relax, do some light physical exercise
· Have your hairstylist and makeup artist do their magic on you
· Keep smiling, it’s your special day!

It amazes me what marriage has become in the last 30 or 40 years

It amazes me what marriage has become in the last 30 or 40 years

Grinnell's own (very early) spring fashion
Source: Flickr

Where would you go for help with divorce? Well, in my opinion, I honestly see only two routes concerning this issue. The first one that most couple instantly dismiss is counceling. Why doesn’t anyone think this will prove beneficial? It very well could save your relationship. This could not only benefit you, but the children, if any, also. It basically comes down to whether or not you wish to work on things or start over with someone else. Obviously if you decide to start over with someone else, you are going to need help with divorce. Yes indeed, this is the second, and more popular option when it comes to a damaged relationship. Suddenly you’re splitting everything down the middle, including the children. This can get hairy to say the least. I should know, I was the child at age 5. The back and forth drama between my parents went on until I was 16 years old.

Before you acquire help with divorce regarding your marriage, I want you to consider something a very wise 19 year old said to me once. Now, I’m not going to lie, I was blown off my feet that something useful actually came out of the mouth of a 19 year old male. No offense, but I was one once, and there’s not a great deal useful going on upstairs yet. He was considering cheating on his girlfriend with a fellow college student. After he thought it out, he decided that it made no sense to toss his three year relationship in the garbage just to start a new one with another girl, who will be in the same spot a few years down the road. It’s wise to think ahead before attaining help with divorce and ending the marriage altogether.

Broken Homes, Broken Children

Broken Homes, Broken Children


According to the Center for Disease Control’s National Vital Statistics Report of 2002, 50% of first marriages ended in divorce and 60% of remarriages end in divorce.
With these kinds of statistics, and with all the problems and pain a couple goes through, why do people still want to get married?

Even though marriage receives so much bad press these days, walking the aisle is still a very popular exercise. After all, it is human nature to want to feel nurtured and secure. Getting married is still very much desired for all its promise of unconditional love and companionship.

Get financing for your business in Germiston

But marriage is so much more than just the wedding ceremony or the honeymoon. It is more than just the intimacy and fun that every couple deserves. Marriage is also about building a family. Traditionally, raising children is part and parcel of a marriage partnership — a task that entails the provision of shelter, clothing, education, and love without which no child can live without. Just as couples want to feel they belong to a loving relationship, so do their children. It also goes without saying that if a marriage is broken, the children would be emotionally affected by it together with their parents. The effects of divorce on children are important to any good parent. But it’s not always easy, when a marriage is struggling and someone is hurting, parents should also consider what the specific effects of divorce will be on their children.

There have been many specific studies focusing on the effects of divorce on children. Studies show that children from a broken family are emotionally affected by the marriage breakup and they know that nothing will ever be the same again. They fear change. Not just that the mother or their father will not be around, but they may also lost contact with their extended family, or school routines may change.

Children have a fear of being abandoned. When parents are at odds and are either separated or considering separation, children have a realistic fear that if they lose one parent, they may lose the other. The concept of being alone in the world is a very frightening thing for a child.

Children who have a natural attachment to their parents also fear losing other secure relationships such as those they have with their friends, pets, siblings, neighbors, and so on. Sometimes children are simply attached to their surroundings, and moving into new surroundings can cause an understandable negative reaction. Divorce has also been found to be associated with a higher incidence of depression; withdrawal from friends and family; aggressive, impulsive, or hyperactive behavior; and either withdrawing from participation in the classroom or becoming disruptive.

Academically, children are greatly affected because of their parents divorce or separation. Children from divorced families drop out of school at twice the rate compared with children from “intact” families. They also have lower rates of graduation from high school and college. Children from divorced homes performed more poorly in reading, spelling and math.

Moreover, children of divorced parents are more likely to become delinquent by age 15, regardless of when the divorce took place. Anecdotal evidence points out that parental divorce and living in a single-parent household can influence a person to have thoughts of committing suicide. Drug use in children is lowest among those children who have been spared from the effects of parental divorce.

Even if there are have been tension and problems at home, some children will be shocked to learn that their parents are getting a divorce. It may take some time for them to acknowledge and accept that their lives will be different. To help a child cope with shock and stress, parents should be patient with them, ease into the new routines and living situations if possible and constantly express and reassure their love to them. Based on research, these are the top five reasons why people get married:

1. To signify a life-long commitment
2. To make a public commitment
3. To legalize their partnership or for financial security
4. To formalize their partnership as part of religious belief
5. To provide security for children.

But long after the celebration of the wedding and years after the honeymoon, when reality sets in, many marriages fail to survive. Despite all the happiness and joy that was shared between the man and the woman during the early years of marriage, they end up separated or divorced — placing their children’s security, health, and well-being at serious risk.

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Save Your Marriage And Avoid Divorce

Save Your Marriage And Avoid Divorce

Today, many marriages are found to be ending in divorce. Marriage is a start of relation, while divorce is an end. After passing of few days or months of married, life, some conflicts and bitterness may get started. Sometimes, the couple began to think about the divorce.

However, divorce changes social trends and causes adverse effects for the both the partners. Hence, it is always recommended to save marriage stop divorce.

Marriage has a great importance in the life of every human being as it gives personal and social stability and it is also necessary to satisfy your emotional and physical needs. It may be essential to get the prestigious social status as living a single or getting separated is not accepted by the society in some countries.

It is not easy for a man or a woman to live alone whole life. After divorce, the individual may have to face physical, psychological and economical problems. The family life of the person is totally collapsed. Divorce also can cause sexual deprivation.

Separation or divorce of the parents affects a lot to the children. It may give rise to psychological problems which can affect the tender minds of children as they need both the parents equally. The children may get mentally and physically disturbed and feel insecure due to which their future may get spoiled. Looking towards these effects, you should strive to save marriage stop divorce.

It is not easy to keep the relationships alive, for that, you have to take some efforts. If you strongly wish to save marriage stop divorce, you should try to improve yourself. Some possible factors that can affect your relationships are the broken trust, boredom, infidelity, poor communication, addictive behavior, emotional abuse, absence of sex and affection and lack of appreciation.

Once you know about the reasons, you should try to find out the options to solve them. The main reason for the divorce is a lack of understanding and compromises. Hence, you should give away your ego to maintain the healthy relationships and should take an initiative to resolve the problems in your married life.

Self-assessment is a very important step to save marriage stop divorce which includes thinking about your mistakes. If you want to be a good partner, you should have a capacity to listen to your partner and understand him/her for which you need a good communication skill. You should be able to keep calm and talk through the problem. When your partner is talking with you, you should ask the related questions and clarify the queries.

If you both are not able to solve problems in your married life, you can consult your family or friends and seek an advice from them. You may realize your mistakes after talking with them and can try to correct them. If you don’t feel it satisfactory, you can try for marriage counseling. You may go to counselor’s office and find the solutions to save marriage, stop divorce.

Counseling can help the couples to improve their communication skills, to uncover some other problems or issues, find out the differences and understand the troubles. You can also go for a trial separation which gives the couple enough time for to think about their differences, their mistakes, problems in their married life and ways to resolve them.

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