July 2019


Polyamory is a complex and controversial topic, even in 2017, and there is a lot of misunderstanding surrounding the subject. Frankly, although it’s supposedly in “fashion” in some circles these days, many people use the term inappropriately, and confusion is king. Let’s start this article off right by defining what Polyamorous Relationships and Polyamorous Dating really are, as compared to other types of relationships:


Monogamy: When you choose to be with one other person, and only one other person for life. True monogamy is actually extremely rare.

Polygamy: When one person has multiple spouses. This is almost always a man with multiple wives. Outside of a few outlying areas on the globe, also very rare.

Serial Polygamy: Also known vulgarly as serial monogamy, but serial polygamy is actually the correct term. . This is when a person goes from one relationship to another in series. Technically it’s not monogamy as you are switching partners, you are just doing it in SERIES. This is by far the most common method of dealing with romantic relationships. Sometimes there is a romantic or sexual “overlap” as people go from one situation to another.

Swinger: A swinger relationship is one where a couple are together, often cohabitating, and emotionally involved, but choose to invite others for sexual play. Swinger relationships are varied, but they are defined by the fact that no sexual activity is supposed to take place unless both of the parties in the relationship are at least in the room.

Open Relationships: When one or both parties date and have sex outside of the relationship, with the consent of the other party.

Polyamorous Relationships: When more than two people decide to get together and form a committed relationship with each other.

It should be noted that polyamorous relationships are by far the most complex relationships out of the whole bunch noted here. It should also be noted that people in polyamorous relationships generally don’t seek sex from people not included in the relationship. This is one of the main differences between the swinger lifestyle and the polyamorous one, and it’s important not to confuse the two.

How to Make It Work:

If you are poly-curious and want to try your first poly relationship, that’s commendable, they are very rewarding in many ways, but keep in mind that they are tricky and have to be managed properly by all concerned. Here are some pointers we have drummed up that can help you navigate a poly relationship successfully:

-First and foremost, keep in mind that everybody in the relationship has their own will, and will act on it accordingly. If it’s tough for a couple to communicate successfully, you can imagine as you start to up the numbers how it gets exponentially more difficult! But if everybody is committed, it is possible.

-Another fundamental is that people have to agree at the very start of the relationship to make a rock-solid commitment to not play favorites in any way, shape, or form.

-Everybody should get thoroughly tested with a complete STI panel before sexual activity commences, because, as you can imagine, if one person brings a bug into the relationship, chances are everybody is going to get it sooner or later!

-People often enter into these types of relationships to do away with routine, but routine can still set in if you’re not careful! Everybody in the relationship needs to be committed to fulfilling each others’ fantasies at least once in a blue moon to keep things fresh and keep everybody interested.

With these tips, you may just be able to construct a little community that stands the test of time and serves as an example for others to follow.

Katrina McGhee is an author, speaker, entrepreneur and a strategic advisor for cause related organizations across America. For over 20 years, she served as a senior executive for two of the world’s most recognizable non-profits, revolutionizing the way women were ignited to take charge of their health. Realigning her knowledge and experience of inspiring wellness on a global scale, Katrina now serves as a women’s empowerment advocate, an inspirational leader and a pioneer of social responsibility. Whether she’s transforming a corporate culture or inspiring individuals to achieve unimaginable success, McGhee is a powerful agent of change.

Formerly the Executive Vice President and Chief Marketing Officer of Susan G. Komen for the Cure and the National Director of Marketing for the American Heart Association, McGhee’s work in the non-profit world gained her national recognition as a leader in the world of wellness. As a high level executive, she was on a strong path to a, “perfect life,” until she underwent a radical life revolution. After so many years of what she calls, “running the universe,” the women’s wellness champion crashed and burned. McGhee realized that, in trying to manage everything, she lost control of the most important thing – her own life.

Armed with a steely determination to love herself while still serving others, McGhee transitioned her life away from her high level status in corporate America and, in 2012, she created Loving on Me.  Loving on Me is THE online “inspiration destination” encouraging women to defy their status quo and embrace purposeful, empowered living. For the past six years, through Katrina’s example, and via blog posts, videos and a thriving social community, over fifty thousand women have joined her tribe, getting equipped with the tools they need to lead in every aspect of their lives. Affectionately known as LoveLights, the tribe also supports organizations committed to the education, empowerment and well-being of women around the world.

Katrina’s first book, “Loving on Me! Lessons Learned on the Journey from MESS to MESSAGE,” defines her quest to inspire women to aim higher. This tale of transformation chronicles McGhee’s own journey toward self-worth while providing readers with the tools they need to ignite their own personal revolution. Readers are inspired to “go get their more,” by examining a world of endless possibilities and releasing the limiting barriers imposed by themselves and others.

McGhee is passionate about helping people reach their highest heights in all aspects of their lives. With years of business experience, she is uniquely poised and skilled at igniting change at individual and corporate levels in areas including leadership, personal branding and business development. Through her Loving on Me Academy, she provides online courses that empower audacious women to lead, inspire and succeed. She also offers customized corporate training programs to foster excellence among the next generation of nonprofit leaders, and shares her transformative messages of self-love and empowerment as a featured speaker at conferences and educational events.

September 13, Katrina McGhee joined the Women’s Foodservice Forum (WFF) as they launch their new Leadership Development Workshops (LDWs). Women’s empowerment, gender equality and career advancement have been some of the most discussed news topics of the past year. These one day WFF LDW workshops, coming to 12 cities this fall, will enable women to accelerate career growth through with nationally-recognized speakers, supported by 365-day content and ongoing learning touch points with workshop leaders and fellow participants.

Workshop co-leader, McGhee says of her role with the LDWs, “participants will not only be equipped and ready to take the next step in their leadership journey, they will also have built a strong network of other women leaders with whom they can learn, network and grow throughout the year.” In addition to the full-day workshop, registration includes membership, monthly webinars, quarterly networking & Book of the Month Online Meet Ups.

The workshops launch September 13, in Dallas, TX at the Westin Galleria, 13340 Dallas Parkway. Sessions follow in 11 cities throughout the fall: Minneapolis, Chicago, Houston, Atlanta, New York, Toronto, Orange County, Denver, Washington, D.C. and Orlando. Visit to learn more and for registration details.

Katrina’s empowering new book, “Be Bold, Be Brilliant, Be YOU, Lessons from the C-Suite to Catapult Your Career,” will be available November 23, 2018, which falls on Black Friday this year.

McGhee believes in, and is an example of, BOLD action. Her goal is to inspire big thinking, while delivering the tools that ignite life-affirming transformation to everyone she meets. Through it all, she works passionately to inspire women around the world to love and embrace themselves and each other, and to be empowered to be in the driver’s seat in every aspect of their lives.

Most homeowners understand the risk that comes with buying a house. Something that could work fine one day could break the next. A fully-functioning roof could crumble under the weight of a tree branch, or your washer and dryer could break as soon as you start a load of laundry. However, many breaks are preventable with the right maintenance. Check out the infographic below to learn about the three costliest home repairs and how you can avoid needing them.

The worst thing that can happen to your home is water damage. Flooding can ruin your hardwood floors and carpets and even force you to replace your furniture. Even small drops of water can build up, causing black mold that’s hard to get rid of and rotting wood to the point of replacement. In fact, mold elimination can cost almost $3,500, but it costs only $1,200 for preventative maintenance. Oftentimes, homeowners face a saga against water and constantly battle to keep it out of their homes. This graphic breaks down common causes of water damage and the costs required to fix it.

Along with water damage, most homeowners work to keep their HVAC systems running. They call specialist for repairs the minute something is wrong with the air conditioning in the summer or heat in the winter. Not only are these emergency calls expensive, but the cost of replacing your unit can cost more than $7,000. When you consider that expense, setting up regular maintenance checks doesn’t seem so bad. Homeownership doesn’t have to be expensive as long as you invest in preventative measures. Use this guide to learn how you can keep your home functioning well for years to come.

Not all loans need a credit check. In fact, many lenders provide no credit check loans in Canada.

Payday lenders provide loans without the need to assess your creditworthiness. This means that you can apply for the loan even you have a bad credit history, has an existing loan, or don’t even have a credit score yet.

What is a credit check?

Before a lender approves a loan, they usually do a credit check. Your credit history is recorded by major credit-reporting agencies, Equifax Canada and TransUnion Canada. Lenders can get your credit history from them.

These agencies compute your credit score. To calculate your score, they need the amount of your debt, payment history, and the duration of using credit.

Although credit check is very important to establish your credit profile, payday loans don’t need it. You can get approved in the short-term loan without worrying about your credit score.

How to qualify for loans without a credit check?

Lenders in Canada can provide loans of up to $1, 500. It is called payday loans or unsecured loans because you don’t need collateral like a car, house, or pricey possession to get approved.

It is easy and fast to get this type of loan because it only takes some minutes to finish the application online. You only need a few requirements like your bank information, employment, and personal details.

Most lenders only ask for these proofs:

  • You must be a Canadian resident.
  • You are above 18 years of age.
  • Proof of employment.
  • Bank account information.

How long should you wait to get approved?

As mentioned, lenders provide quick cash. You can receive it within 24 to 48 hours.

They deposit the money into your bank account. In some cases, they can hand you the money or deposit in your prepaid card.

When you take the loan, you sign an agreement that summarizes the total of your loan that includes fees and charges and the date that you should pay. It’s important that you fully understand the agreement to avoid misunderstanding that can mess up your finances.

The cost of loans with no credit check

You may have heard that payday loans are an expensive type of loan. That is certainly true. It’s because the loan comes up with huge interest and fees that are higher than credit cards and other personal loans.

The annual percentage rate is 400 percent. For every $100, you pay between $15 and $30 for the charges and interest.

Paying your loan is not the only issue here. For every credit, you need to pay a $5 administration fee.

The high interest and fees make it more difficult for borrowers to return the total cost of the loan at the right time. Usually, they default or go on a rollover. In some cases, the loans can trap them into a debt cycle.

Consequences of not paying your loan on time:

When you don’t pay your loan at the right time, you’ll likely incur big interest and fees.

  • The lender can connect with your family, friends, and employer in an attempt to collect the money you owe them.
  • They will charge you big time for the money you owe.
  • Your bank may charge you an overdraft fee if your account reaches zero.
  • Your loan will earn interest and charges continuously.
  • The lender may sell the loan to a collection agency. When this happens, it can reflect in your credit report and affect your credit history.
  • The lender can file a legal case against you for not paying your financial obligations.
  • The lender can seize your properties.

Although no credit check lenders provide you quick cash to solve your financial woes, you should think twice before getting one. It is easy to acquire money but the hard part comes when you need to pay it.

You may consider other options before applying. There are other alternatives that don’t cost that much.

You can ask family and friends to lend you without interest.  Keep in mind that you must be careful when borrowing because it often ruins relationships when you are unable to pay on time.

You may also opt to ask your employer for a cash advance. It is safer than other options because you can even request them to deduct it to your paycheck on an installment basis.