Mixed Ability Grouping

Blended ABILITY GROUPING Ana Redondo I/INTRODUCTION: The principle reason for this module is to present to you some broad confirmations of various explores about strategy for blended capacity gathering versus different types of sorting out students in MFL educating and learning point of view. II/CONTENT 1/Political setting (in England and Wales) * 1944 the instructive framework in Britain gushed into diferent kinds of optional schools, understudy with unique instructive needs being taught in extraordinary school. Since 1980s focal government separate the Local Education Authorities by presenting Local Management of School * 1991-1993, chidren with a specialized curriculum needs into standard school, tuition based school: 20-25%, conprehensive school being slant. * Throughout 1990, setting had end up being successful in numerous optional schools for arithmetic, science and language. Understudies gathering are cosidered under such weights: Student’s accomplishments (assessment r esults), strategy and society, nearby needs and parental decision. /Mixed capacity gathering * In the title clerly shows: ‘Mixed capacity grouping’ additionally allude to a gathering wherein offspring of shifted capacity are shown together instead of being separate. * - No gathering of students is ever homogeneous. Contrasts in regions: capacity, sexual orientation, self-idea, self-estem, ethnic foundation. a. Preferences of Mixed abilitiy gathering * Mixed capacity gathering gives all understudies fairness of chance and decreases the negative outcomes regularly partner with homogeneous gathering. It keeps away from the issues related with dispensing students to homogenous gatherings. * It advances a decent connection among students, among instructors and understudies. * Reduce rivalry and the naming of understudies. * Low capacity students are bolstered more advantage. b. Detriments of blended capacity gathering * It is difficult to guarantee that higher capacity Ss ar e extended adequately. * The gathering the necessities of high and low capacity students can bring about disappointment. Educators should be touchy to mindful the distinctions of so as to set fitting work, expand learning results and evade clashes among instructing and learning. * Mixed capacity gathering sets unreasonable expectations for educators' instructive aptitudes. * most of the class is frequently inadequately administered. Blended capacity gathering present specific troubles in MFL. 3/Other types of organisind pupilss †MFL instructing and learning point of view * Students have various insights, there for, some are greater at specific things than others. Homogeneous groupings are probably going to alow educators a more prominent chance to meet the individual’s needs of understudies. * Homogeneous gatherings of students can accomplish all the more productively in MFL. * Homogeneity of showing bunches when classes share a more prominent likeness of learning charac teristics and trademark, permits the techer to complete their showing all the more successfully. * It is hard to dispense understudies to the fitting gathering, no shame is joined. Both ‘mixed capacity grouping’ and ‘ability grouping’ have focal points and disavantages.III/CONCLUSIONS * I propose here to consider ‘homogeneous groups’ and ‘within - class groups’ as sober-mindedly achievable alternatives. Situated gathering work, collarborative venture work, co-coperative learning, adaptable learning, task-based learning or merry go round work would all be able to be applied in different various manners to guarantee scholastic and social learning. (Ana Redondo) * The gathering of student is just one of a few elements influencing the learning condition of the study hall. The nature of guidance and the educational program are focal. (Halam, 1996:2)

Mystic Monk Coffee Essay

1. Has Father Daniel Mary set up a future bearing for the Carmelite Monks of Wyoming? What is his vision for the cloister? What is his vision for Mystic Monk Coffee? What is the crucial the Carmelite Monks of Wyoming? Father Daniel Mary Has Established a future course for the Carmelite Monks of Wyoming. His vision for the religious community is to change their little fellowship of 13 living in a little home utilized as a temporary parsonage into a 500-section of land cloister. His vision to obtain the Irma Lake Ranch for them to give housing to 30 priests, have a retreat place for lay guests, manufacture a Gothic church, have a religious circle for Carmelite Nuns, and a seclusion. Father Daniel Mary’s vision for Mystic Monk Coffee is to limit the impact of sheltered ascetic requirements and for it to be a more grounded wellspring of pay for the priests to procure the Irma Lake Ranch. The Mission of the Carmelite priests of Wyoming is to have the option to build the quantity of priests to 30 who will experience their lives in the cloister who comprehends the truth of the pledges of dutifulness, modesty, and destitution and the penances related with carrying on with a secluded strict life. 2. Does it create the impression that Father Daniel Mary has set unequivocal destinations and execution focuses for accomplishing his vision? Father Daniel Mary has not set distinct goals and execution focuses to accomplish his vision. He and the priests have just made advances augmenting the scope of Mystic Monk Coffee yet it isn't sufficient to help the vision of securing Irma Lake Ranch. They need to set up explicit projects to truly extend the compass of Mystic Monk Coffee to have more customers, along these lines expanding benefit. Through this, they become all the more closer in accomplishing their vision of changing their current home to the â€Å"New Mount Carmel†. 3. What is Father Prior’s technique for accomplishing his vision? What upper hand may Mystic Monk Coffee’s technique produce? In accomplishing his vision, Father Prior look for the assistance of Carmelite Supporters in meaning to construct a network for God. In doing as such, his upper hand is having his Catholic supporters his objective market careful expression of the mouth and through their site. With its intrigue to its supporters in utilizing â€Å"use their Catholic espresso dollar for Christ and his catholic church†, it urges their supporter to help the reason as well as make them consider it to be a method of providing for Christ. 4. Is Mystic Monk Coffee’s procedure a cash producer? What is MMC’s plan of action? What is your evaluation of Mystic Monk Coffee’s client incentive? its benefit equation? its assets that empower it to make and convey an incentive to clients? Spiritualist Monk’s Coffee technique is a cash creator. With the given review of the espresso business in excess of 150 million individuals devour espresso in the United States alone. Since 89% like to mix their espressos than buy prepared to-drink espresso. With a 11% net benefit rate the espresso business will doubtlessly increment after some time. Spiritualist Monk Coffee plan of action is to build their creation by buying a bigger roaster for their developing interest and offering discount espresso to nearby houses of worship and coffeehouses. Spiritualist Monks Coffee has great items that empower them to have an effective client offer. Offering great reasonable exchange Arabica beans that delivers an assortment of flavors to their clients, they give their clients better alternatives and a chance to their common site administrators commissions on its deals through its Mystic Monk Coffee Affiliate Program that put web pennant advertisements and content promotions on taking an interest sites and give them 18% commission. Taking everything into account their assets and plans not just empower them to make and convey the worth that their clients merit yet it is additionally a methods for the Carmelites to help their locale and their causes from the outside world. 5. Does the methodology qualify as a triumphant procedure? Why or why not? The methodology can't be considered as a triumphant technique. The espresso business has been developing for as long as seven years, and with Mystic Monk’s comparableâ prices of espresso packs to the retail costs, Mystic Monk’s espresso can exploit this situation to procure more benefits to have the option to grow their market and at last their business and gain the land. Spiritualist Monk likewise utilized an ease publicizing procedure where their espressos advanced through informal exchange among their dependable clients and Catholic supporters and the utilization of their site, anyway they are just catching the Catholic populace. With their arranged procurement of a roaster with a bigger limit, Mystic Monk will have the option to create more espresso once request later on increments, henceforth the requirement for an increasingly proficient market infiltration. 6. What proposals would you make to Father Daniel Mary as far as making and executing methodology for the monastery’s espresso tasks? Are changed required its drawn out way? its goals? its technique? its way to deal with system execution? Clarify. We prescribe Father Daniel Mary to extend the range of their item. Aside from their forceful on the web, phone , church and neighborhood café deals, they should exploit providing the espresso to cafés, shopping centers, markets and bazaars. They could likewise set up a store in the cloister where individuals frequently proceed to can promptly buy the espresso. Taking into account that the Catholic populace is the biggest in the US, they can build up a gathering of individuals who are happy to chip in and sell the espresso over the US. Through this, their conviction is shared to the volunteers. In addition, since it was referenced that the greater part of their time is spent on petition or morning and Vesper administrations which restrains the creation time, they can employ help and furthermore veil for volunteers who can substitute them during these occasions for a progressively proficient creation of espresso.

Should You and Your Spouse Keep Your Finances Separate

Should You and Your Spouse Keep Your Finances Separate Should You and Your Spouse Keep Your Finances Separate? Should You and Your Spouse Keep Your Finances Separate?Theres no one-size-fits-all approach to managing money in a marriage, but there are some best practices you can follow no matter what.Even the best marriages are going to have disagreements. Unless you’re planning to marry yourselfâ€"and we don’t yet have the technology capable of doing thatâ€"there are going to be some conflicts that will have to be navigated.And any conflict becomes more difficult to manage when there’s money on the line. And there’s almost always money on the line in some way.“First and foremost, note that opposites attract, and this also applies to money,” financial coach and author  Karen Ford told us. “If you’re a saver, then most likely your mate is a spender. If you’re a spender, then they are more than likely a saver. Being opposites in this is ok, as long as you recognize the difference and the challenges.”But recognizing the differences is the easy part. The challenge is overcoming them. And one of the most fundamental finance questions you’ll have to decide with your spouse is whether you’re going to keep those aforementioned finances separate.Unfortunately, theres no right Different experts have different opinions for different couples about whether and how you should keep your finances separate. Let’s see what they have to say! Consider imposing dollar limits.You probably spend a large portion of your time, if not most of it, with your spouse. That means you’re going to be making a lot of purchases together. Even when you aren’t together, your spouse probably has a pretty good sense of what you’re spending money onâ€"minus the surprise party you’re planning. Don’t worry, we won’t tell!So it certainly makes sense on some level, at least, to merge your finances.“For some couples, combining everything into one account will work well,” advised Derek Hagen, founder of  Hagen Financial. “Its easier to have just one account and they are abl e to jointly manage their finances.To help manage their joint finances, they may implement a dollar limit on purchases. For example, if its $100, then they can spend whatever they want, with no explanation necessary, if the transaction is less than $100. The flip side is that all transactions over $100 require a conversation.”Symbolism matters.Beyond the convenience, other contributors highlighted how joining your finances can be seen as a symbolic move echoing how your lives are being joined together.“The best case with married couples is to put your money together,” Ford suggested. “You entered into marriage knowing you want to go through life together and this applies to finances. Discuss your spending and savings goals. Prepare for vacations, big purchases, investments etc.”Raffi Bilek, a  couples counselor and the director of the  Baltimore Therapy Center (@ThingsCanBeDiff), offered his own take on the value of merging finances:“Joining finances with your spouse is an important part of building a life together. A marriage is not a business arrangement in which both parties are trying to maximize their own benefit. It is a relationship built on trust and mutuality.Coming together as a team is what its all about, whether in finances, parenting, or any other aspect of life. Sharing expenses, instead of counting whos paying for what, is a meaningful part of that. Its hard to feel like youre on the same team when you feel like there is ‘my money’ and ‘your money.’”In order to coordinate, you must communicate.Of course, there are financial decisions to make beyond spending. It’s a good idea to be on the same page about your long-term, overall finance goals.“It’s perfectly OK for couples to have different risk tolerances and investment portfolios, such as one spouse being an aggressive investor while the other is moderate,” assured Larry Solomon, client advisor at Mercer Advisors (@MercerAdvisors).“However, for planning purposes f or big picture goals, like retirement, college planning for kids, buying a house,  insurance decisions, etc. it’s important that both spouses embrace a coordinated and holistic approach and evaluate their combined finances in establishing and prioritizing major goals.“In retirement, for example, we can assume they will also be living together and sharing common lifestyle expenses even if one of them is still working and this would be impossible if they have completely separate plans and pools of resources to draw on. Having totally separate plans and retirement assets would be a recipe for discord, disaster, and probably divorce.Furthermore, when it comes to retirement planning for couples, one spouses decisions often have a dramatic impact on the other spouse’s financial choices.For example, to maximize cumulative Social Security benefits over both spouses’ lifetimes, the best approaches might involve one spouse starting Social Security at normal retirement age while the o ther one delays it to allow their benefits to grow.These Social Security claiming strategies, which can achieve thousands of additional benefit dollars for married couples, cannot be implemented without cooperation and joint planning.“Other decisions, like whether a couple will hold assets in a trust or how to save for each child’s college, also requires planning and consent from both partners.I can go on with many more examples and insights, but the bottom line is that like most other things for couples, successful financial planning involves collaboration, cooperation, and compromise from both partners. Couples can have different portfolios and investment profiles, but need to share common goals and have a coordinated plan to achieve them.”So are joint finances definitely the way to go? As the opening paragraphs of this very article made clear, that is not necessarily the case!Spare yourself from money fights.Some of the experts we talked to were much less enthusiastic about the idea of merging finances completely.“When a couple admits to keeping their finances separate, even if its partially, theyre usually met with quizzical or worried looks,” explained Marie Oates, a partner at The Hive Law, Atlanta Divorce Attorneys. “Some people immediately assume that theres something wrong with the marriage; however, this can be one of the best ways to save your marriage.“Money-related fights are one of the biggest reasons we have divorce clients. Since people are uncomfortable talking about money and they already know that money can cause disputes, they think that not talking about it will fix their issues.“Instead, keep your money separate. Its not some sign that you two dont trust one another; instead, its more of a show of respect. My husband and I keep our money mostly separated so that neither of us feels ashamed or guilty for spending money on something we want.When he wants new woodworking equipment, it comes from his account. That is money I d o not see, so I do not miss it. Its also money that he worked for. And when I wanted a new Garmin watch, it was taken from my own, separate account.“As for a shared account, most people make that the default ‘bills’ account. The things that keep the household running: mortgage, electricity, car payments. The fun stuff. Each of us fund this account, but in proportion to what we make. Since I make more money than my husband, I put more money into the joint account than he does.”Open a joint account for joint expenses.Money Elevation Coach Roslyn Lash (@RosLash) felt similarly: “Each spouse should have their personal accounts. This money is theirs to save or spend however they choose. There should also be a ‘household’ account. This account will be used solely for household expenses.“The decision then becomes ‘how much should each person contribute?.’ This becomes especially difficult if one partner makes significantly more than the other. Splitting the bills 50/50 would be disproportionate and unfair.The only fair way to divide the bills is based on each partners percentage of income. The total household income and the amount of the total household bills would be used to determine each persons contribution.For example, lets say that one person (A) earns $4,500 monthly, and their partner (B) earns $3,500, for a total household income of $8,000. Their total household bills are $5,000 monthly.Therefore, you would calculate Person As percentage by dividing the individuals income by the total income ($4,500/$8,000) which will result in 56 percent.  Person B would be responsible for the difference of 44 percent (100 percent 56 percent). Person A would pay $2,800 ($5,000 x .5), and Person B would pay $2,200 ($5,000 x .44).”Different strokes.Most of the experts who offered reasons and methods to merge your finances in the previous section also acknowledged that separate finances might be a better arrangement for some couples.“For others, keepin g two sets of accounts works,” Hagen told us, expanding on his earlier suggestions. “Each persons paycheck goes into his or her account and all personal expenses come out of the respective account. They may even have a joint account set up for joint expenses, like bills, and each transfers half of each bill into the joint account.”But there’s no reason to assume there’s going to be a one-size-fits-all (or even a two-size-fits-all) approach to managing married finances.The one thing all of our experts agreed on is that no two married couples are the same, and therefore there isn’t any single method guaranteed to lead to a marriage as perfect as [INSERT CELEBRITY COUPLE WHO WILL PROBABLY BE BROKEN UP BY THE TIME THIS ARTICLE IS PUBLISHED].Why not try both?As you probably noticed, even the experts who lean more towards one side or the other still tend to recommend some sort of mix. Those who suggest blending finances often advise still having some money each spouse controls at their discretion. Those who suggest keeping finances separate still recommend having a joint account to use for shared bills and similar expenses.“In the middle of those two, is a third method,” offered Hagen. “With this, most everything is handled in joint accounts, but there are two individual spending accounts. Similar to having a transaction limit, the couple decides how much will get transferred from the joint account into the individual accounts. For example, if its $100 per month into each account, then each partner gets to use that account however he or she wants.”Making a marriage work isn’t always easy. But if you’re open and willing to talk about issues like finances, your relationship will be stronger for it.  To learn more about managing your finances, check out these related posts and articles from OppLoans:The (Comprehensive) Couple’s Guide To Budgeting8 Good Habits to Get Your Financesâ€"and Your Lifeâ€"on TrackFrom Budget to Baller: 6 Tips to Grow Your Money8 Ways To Save Money Today, Tomorrow and Every Day AfterDo you have a personal finance question youd like us to answer?  Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsRaffi Bilek is a couple’s counselor and director of the  Baltimore Therapy Center (@ThingsCanBeDiff).Karen Ford is a Master Financial Coach, Public Speaker, Entrepreneur, and Best- Selling Author. Her #1 Amazon Best Selling Book “Money Matters” is a discovery for many.  In “Money Matters” she provides keys to demolishing debt, shares how to budget correctly, and gives principles in wealth building.Derek Hagen  is the founder of  Hagen Financial, LLC, a financial coaching and counseling firm that helps clients develop a healthy relationship with money and find the motivation to change their behavior. He is the founder of the Money Health blog which  helps readers increase their financial health. Derek holds the Certified Financial Planner and Chartered Financial Analyst designations. In his free time, he enjoys all things outdoors, especially camping, hiking, and running.Roslyn Lash  (@RosLash), the  Money Elevation Coach, is an Accredited Financial Counselor?, Real Estate Investor, and the Author of The 7 Fruits of Budgeting. She works virtually with single women helping them to gain clarity around their finances, reduce debt, and increase their net worth so that they can live a more abundant life. Her advice has been featured in national publications such as USA Today, Forbes, TIME, Huffington Post, Los Angeles Times, and a host of other media outlets.Marie Oates is a partner at  The Hive Law where she focuses on Atlanta divorce cases and estate planning. She prides herself on making legal assistance affordable, accessible, and all around less scary. And in her free time, shes chasing her toddlers and cuddling with her cats.Larry Solomon is a Client Advisor for  Mercer Advisors (@MercerAdvisors) in Washington DC. He passionate about inves ting, financial planning, and delivering integrated financial, tax, legal, and risk management advice to make client’s lives better.  Prior to Mercer, he worked as the Director of Financial Planning and Investments at OptiFour Integrated Wealth Management, where he led the firm’s financial planning and investment analysis efforts. Larry is a published author and frequently contributes to articles on financial planning and investing topics in publications such as The Wall Street Journal, Financial Times, US News, The Street.com, Bankrate.com, and others. For more information, contact him at  lawrence.solomon@merceradvisors.com.

Should You and Your Spouse Keep Your Finances Separate

Should You and Your Spouse Keep Your Finances Separate Should You and Your Spouse Keep Your Finances Separate? Should You and Your Spouse Keep Your Finances Separate?Theres no one-size-fits-all approach to managing money in a marriage, but there are some best practices you can follow no matter what.Even the best marriages are going to have disagreements. Unless you’re planning to marry yourselfâ€"and we don’t yet have the technology capable of doing thatâ€"there are going to be some conflicts that will have to be navigated.And any conflict becomes more difficult to manage when there’s money on the line. And there’s almost always money on the line in some way.“First and foremost, note that opposites attract, and this also applies to money,” financial coach and author  Karen Ford told us. “If you’re a saver, then most likely your mate is a spender. If you’re a spender, then they are more than likely a saver. Being opposites in this is ok, as long as you recognize the difference and the challenges.”But recognizing the differences is the easy part. The challenge is overcoming them. And one of the most fundamental finance questions you’ll have to decide with your spouse is whether you’re going to keep those aforementioned finances separate.Unfortunately, theres no right Different experts have different opinions for different couples about whether and how you should keep your finances separate. Let’s see what they have to say! Consider imposing dollar limits.You probably spend a large portion of your time, if not most of it, with your spouse. That means you’re going to be making a lot of purchases together. Even when you aren’t together, your spouse probably has a pretty good sense of what you’re spending money onâ€"minus the surprise party you’re planning. Don’t worry, we won’t tell!So it certainly makes sense on some level, at least, to merge your finances.“For some couples, combining everything into one account will work well,” advised Derek Hagen, founder of  Hagen Financial. “Its easier to have just one account and they are abl e to jointly manage their finances.To help manage their joint finances, they may implement a dollar limit on purchases. For example, if its $100, then they can spend whatever they want, with no explanation necessary, if the transaction is less than $100. The flip side is that all transactions over $100 require a conversation.”Symbolism matters.Beyond the convenience, other contributors highlighted how joining your finances can be seen as a symbolic move echoing how your lives are being joined together.“The best case with married couples is to put your money together,” Ford suggested. “You entered into marriage knowing you want to go through life together and this applies to finances. Discuss your spending and savings goals. Prepare for vacations, big purchases, investments etc.”Raffi Bilek, a  couples counselor and the director of the  Baltimore Therapy Center (@ThingsCanBeDiff), offered his own take on the value of merging finances:“Joining finances with your spouse is an important part of building a life together. A marriage is not a business arrangement in which both parties are trying to maximize their own benefit. It is a relationship built on trust and mutuality.Coming together as a team is what its all about, whether in finances, parenting, or any other aspect of life. Sharing expenses, instead of counting whos paying for what, is a meaningful part of that. Its hard to feel like youre on the same team when you feel like there is ‘my money’ and ‘your money.’”In order to coordinate, you must communicate.Of course, there are financial decisions to make beyond spending. It’s a good idea to be on the same page about your long-term, overall finance goals.“It’s perfectly OK for couples to have different risk tolerances and investment portfolios, such as one spouse being an aggressive investor while the other is moderate,” assured Larry Solomon, client advisor at Mercer Advisors (@MercerAdvisors).“However, for planning purposes f or big picture goals, like retirement, college planning for kids, buying a house,  insurance decisions, etc. it’s important that both spouses embrace a coordinated and holistic approach and evaluate their combined finances in establishing and prioritizing major goals.“In retirement, for example, we can assume they will also be living together and sharing common lifestyle expenses even if one of them is still working and this would be impossible if they have completely separate plans and pools of resources to draw on. Having totally separate plans and retirement assets would be a recipe for discord, disaster, and probably divorce.Furthermore, when it comes to retirement planning for couples, one spouses decisions often have a dramatic impact on the other spouse’s financial choices.For example, to maximize cumulative Social Security benefits over both spouses’ lifetimes, the best approaches might involve one spouse starting Social Security at normal retirement age while the o ther one delays it to allow their benefits to grow.These Social Security claiming strategies, which can achieve thousands of additional benefit dollars for married couples, cannot be implemented without cooperation and joint planning.“Other decisions, like whether a couple will hold assets in a trust or how to save for each child’s college, also requires planning and consent from both partners.I can go on with many more examples and insights, but the bottom line is that like most other things for couples, successful financial planning involves collaboration, cooperation, and compromise from both partners. Couples can have different portfolios and investment profiles, but need to share common goals and have a coordinated plan to achieve them.”So are joint finances definitely the way to go? As the opening paragraphs of this very article made clear, that is not necessarily the case!Spare yourself from money fights.Some of the experts we talked to were much less enthusiastic about the idea of merging finances completely.“When a couple admits to keeping their finances separate, even if its partially, theyre usually met with quizzical or worried looks,” explained Marie Oates, a partner at The Hive Law, Atlanta Divorce Attorneys. “Some people immediately assume that theres something wrong with the marriage; however, this can be one of the best ways to save your marriage.“Money-related fights are one of the biggest reasons we have divorce clients. Since people are uncomfortable talking about money and they already know that money can cause disputes, they think that not talking about it will fix their issues.“Instead, keep your money separate. Its not some sign that you two dont trust one another; instead, its more of a show of respect. My husband and I keep our money mostly separated so that neither of us feels ashamed or guilty for spending money on something we want.When he wants new woodworking equipment, it comes from his account. That is money I d o not see, so I do not miss it. Its also money that he worked for. And when I wanted a new Garmin watch, it was taken from my own, separate account.“As for a shared account, most people make that the default ‘bills’ account. The things that keep the household running: mortgage, electricity, car payments. The fun stuff. Each of us fund this account, but in proportion to what we make. Since I make more money than my husband, I put more money into the joint account than he does.”Open a joint account for joint expenses.Money Elevation Coach Roslyn Lash (@RosLash) felt similarly: “Each spouse should have their personal accounts. This money is theirs to save or spend however they choose. There should also be a ‘household’ account. This account will be used solely for household expenses.“The decision then becomes ‘how much should each person contribute?.’ This becomes especially difficult if one partner makes significantly more than the other. Splitting the bills 50/50 would be disproportionate and unfair.The only fair way to divide the bills is based on each partners percentage of income. The total household income and the amount of the total household bills would be used to determine each persons contribution.For example, lets say that one person (A) earns $4,500 monthly, and their partner (B) earns $3,500, for a total household income of $8,000. Their total household bills are $5,000 monthly.Therefore, you would calculate Person As percentage by dividing the individuals income by the total income ($4,500/$8,000) which will result in 56 percent.  Person B would be responsible for the difference of 44 percent (100 percent 56 percent). Person A would pay $2,800 ($5,000 x .5), and Person B would pay $2,200 ($5,000 x .44).”Different strokes.Most of the experts who offered reasons and methods to merge your finances in the previous section also acknowledged that separate finances might be a better arrangement for some couples.“For others, keepin g two sets of accounts works,” Hagen told us, expanding on his earlier suggestions. “Each persons paycheck goes into his or her account and all personal expenses come out of the respective account. They may even have a joint account set up for joint expenses, like bills, and each transfers half of each bill into the joint account.”But there’s no reason to assume there’s going to be a one-size-fits-all (or even a two-size-fits-all) approach to managing married finances.The one thing all of our experts agreed on is that no two married couples are the same, and therefore there isn’t any single method guaranteed to lead to a marriage as perfect as [INSERT CELEBRITY COUPLE WHO WILL PROBABLY BE BROKEN UP BY THE TIME THIS ARTICLE IS PUBLISHED].Why not try both?As you probably noticed, even the experts who lean more towards one side or the other still tend to recommend some sort of mix. Those who suggest blending finances often advise still having some money each spouse controls at their discretion. Those who suggest keeping finances separate still recommend having a joint account to use for shared bills and similar expenses.“In the middle of those two, is a third method,” offered Hagen. “With this, most everything is handled in joint accounts, but there are two individual spending accounts. Similar to having a transaction limit, the couple decides how much will get transferred from the joint account into the individual accounts. For example, if its $100 per month into each account, then each partner gets to use that account however he or she wants.”Making a marriage work isn’t always easy. But if you’re open and willing to talk about issues like finances, your relationship will be stronger for it.  To learn more about managing your finances, check out these related posts and articles from OppLoans:The (Comprehensive) Couple’s Guide To Budgeting8 Good Habits to Get Your Financesâ€"and Your Lifeâ€"on TrackFrom Budget to Baller: 6 Tips to Grow Your Money8 Ways To Save Money Today, Tomorrow and Every Day AfterDo you have a personal finance question youd like us to answer?  Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsRaffi Bilek is a couple’s counselor and director of the  Baltimore Therapy Center (@ThingsCanBeDiff).Karen Ford is a Master Financial Coach, Public Speaker, Entrepreneur, and Best- Selling Author. Her #1 Amazon Best Selling Book “Money Matters” is a discovery for many.  In “Money Matters” she provides keys to demolishing debt, shares how to budget correctly, and gives principles in wealth building.Derek Hagen  is the founder of  Hagen Financial, LLC, a financial coaching and counseling firm that helps clients develop a healthy relationship with money and find the motivation to change their behavior. He is the founder of the Money Health blog which  helps readers increase their financial health. Derek holds the Certified Financial Planner and Chartered Financial Analyst designations. In his free time, he enjoys all things outdoors, especially camping, hiking, and running.Roslyn Lash  (@RosLash), the  Money Elevation Coach, is an Accredited Financial Counselor?, Real Estate Investor, and the Author of The 7 Fruits of Budgeting. She works virtually with single women helping them to gain clarity around their finances, reduce debt, and increase their net worth so that they can live a more abundant life. Her advice has been featured in national publications such as USA Today, Forbes, TIME, Huffington Post, Los Angeles Times, and a host of other media outlets.Marie Oates is a partner at  The Hive Law where she focuses on Atlanta divorce cases and estate planning. She prides herself on making legal assistance affordable, accessible, and all around less scary. And in her free time, shes chasing her toddlers and cuddling with her cats.Larry Solomon is a Client Advisor for  Mercer Advisors (@MercerAdvisors) in Washington DC. He passionate about inves ting, financial planning, and delivering integrated financial, tax, legal, and risk management advice to make client’s lives better.  Prior to Mercer, he worked as the Director of Financial Planning and Investments at OptiFour Integrated Wealth Management, where he led the firm’s financial planning and investment analysis efforts. Larry is a published author and frequently contributes to articles on financial planning and investing topics in publications such as The Wall Street Journal, Financial Times, US News, The Street.com, Bankrate.com, and others. For more information, contact him at  lawrence.solomon@merceradvisors.com.