What Is Clickbank? - More Than You Know

For the new Internet marketer, the term Clickbank may very well mean nothing more than a snap purse with a number of major credit cards tucked nicely away. Clickbank is actually the largest affiliate marketplace on the Internet. While there is no way that we can possibly give you all that you need to know about Clickbank in this article, hopefully, it will give you a decent idea of what to expect from this affiliate giant and your quest for Internet marketing greatness.

Clickbank is really the affiliate marketer's dream come true. Back in the early days, if you wanted to sell one of your products online, you have to get your own merchant account and credit card processing. For new businesses, this was very hard to do with no credit history. It was rare to get credit for doing more than ,000 in sales a month until you built up a reputation as a reputable business. The reason for this was because credit card companies were afraid of refunds for newer businesses, should their products or services not be up to par. Needless to say, this made it very hard for the new businessman on the Internet to get anywhere. Well, Clickbank came to the rescue.

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They first set up shop in 1998. Their purpose was simple. They established themselves in order to give new businesses a vehicle through which to sell their products and services. Today, the Clickbank Marketplace has over 10,000 products and services listed. They handle all the collecting of monies to be paid for these products and services and cut vendors checks twice a month, unlike the credit card companies that pay you every 30 days.

Having said all that, there is really more to Clickbank than just collecting payments for you product or service and paying you twice a month. Clickbank is also a home where those who want to promote other people's products can go. As was stated about, there are over 10,000 products listed in the Marketplace so each affiliate has plenty to choose from. Sign up with the company, in order to become an affiliate is easy, and Clickbank's tracking system is one of the best on the Internet.

The problem with Clickbank is that there are a number of regulations that both vendors and affiliates need to be aware of. Weeding your way through the Clickbank website to try to figure all this out can be a time consuming process. Fortunately, there is a resource in my signature box that will tell you all that you need to know about how Clickbank runs so that you'll be prepared for doing business with them. This way you won't make the same mistakes many people make that end up costing them hundreds, if not thousands of dollars.

Clickbank really is a gold mine. You just have to know where to find the gold and how to use it.

To YOUR Success,

What Is Clickbank? - More Than You Know

Free Online Dating Websites - No Credit Card Required

You want free online dating websites, no credit card required. This article will tell you what few people know. You will learn the type of dating site and service to avoid. You will find out the best type of service to get results.

Do not - I repeat, do not - waste a moment of your time with the personals section of online classified sites. Why, you ask? These sites are a hunting ground for clever and unscrupulous marketers, selling everything from adult webcams and dating membership sites, to pills and devices that enlarge your penis. You write a personals ad on one of these sites and dozens of people respond. All - almost all, sometimes all - of the responders are marketers trying to sell you something. They get you to join a website to see their dating profile or fill out a form to see them on webcam. Please, do not be fooled. Avoid this type of service like you would swine flu!

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Another type of site to avoid is the "supposedly" totally free dating site. These sites are usually replete with fake profiles of, yet again, clever marketers trying to sell you something.

Now, of course, not all classified and free dating sites are no good. I'm just generalizing. In my experience, though, almost all are full of marketers trying to get you to reach for your credit card.

What I suggest to my friends - and anyone who will listen - is to join a free community at a major dating service. Take your pick. Most people are put off by the big dating sites because they have a paid service. They think they have to use a credit card or Paypal or something to join and use the features. This is just untrue. The big dating sites have communities for free members and for paid members. You upgrade to a paying member to get the benefit of more features.

Now the benefit of using these dating sites is they do not - I repeat, do no - have marketers hounding you. These services have clever software and teams of people who prevent it from happening. This means if you receive 200 emails from different women, they are all "real women."

Free Online Dating Websites - No Credit Card Required

Can You Not Collect Or Can You Waive Patient's Copay? All About Copays and Copayments

There are so many reasons why you should not waive copays or copayments. If you are contracted with the insurance company, you are bound to follow what is in your contract with them. A patient's copay is due at the time of service! You must collect your patient's copay!

Let me tell you why you should not waive copays!

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Your contract says you collect copay at the time of service!; Your patient knows they have to pay their copay based on what their policy says (it's absolutely false that they do not know they have a copay!); Your are actually losing money in your practice if you do so!

What is a copayment? It's a part responsibility of the patient's based on their policy and coverage. Mostly, their copays are applied towards their annual out of pocket amount for family, single or individual.  And it is always due at the time of service (the time they came in to your office). Copay for Primary Care Physician and for Specialist Office may differ too!

So why do you think you should not waive a copay? -- let's take a look at this way:

Assuming the insurance payor allows .00 for an Evaluation and Management - E/M Code and you waive a copay of .00, you only get reimbursed at .00 because the .00 was applied towards the patient's copay.

So why waive the copay when it is an actual additional revenue to your daily cash flow, is it not?

Here are some scenarios of problem collecting copays and what you should do to deal with these:

The Patient has a Secondary Insurance and would like you to submit his/her claim to the secondary insurance after the primary insurance pays for the claim -- what you should do; explain to the patient that their copay is due at the time of service regardless if they have a secondary insurance! Most of my patients would even send claims to their secondary to pick up for their copays. The key here, educate them! The Patient always "forgets his/her checkbook" --- give the patient one chance! Again, explain to them their copay is always due at the time of service. Hand them a self-addressed envelope and let them mail a check as soon as they get home. Or know your area, I'm sure there is a bank or an ATM Machine nearby, you can let the patient go the nearest  ATM and withdraw money. Or for their convenience too, if they have credit cards --- your practice should be able to accept major credit cards.

 Helpful ideas too, post in your waiting room and at the window that says "Your Copay is Due at the Time of Service",  "You Must Pay Your Copay Before You Can Be Seen".

And here is your last course, it is alright too to refuse to see the patient if they do not pay their copay. Maybe on the 3rd visit, if obviously the patient have been deliberately "forgetting" his/her check - inform them when you make the confirmation before their appointment that they can not be seen if they do not pay their copay balance.

I don't think you can purchase any material thing that you use them first before you pay for it. Realistically,  why render the service before the patient pays their copay? A private physician practice is not running a charity program or else you will go out of business. Just my one cent  idea.

Can You Not Collect Or Can You Waive Patient's Copay? All About Copays and Copayments

Politely Does It - How to Make Effective Requests in Business Situations

When dealing with people in business situations it is, of course, essential to be as polite as necessary. English has a rather unique, diplomatic style when spoken - it is important to not sound too direct when you are making requests as this can sound impolite and more like a demand. Modifying your language is a very effective tactic in business dealings when you are trying to establish a friendly and cooperative atmosphere, especially when negotiating in meetings or asking for assistance from colleagues. Polite use of language will take you far. However, there are different levels of politeness and how you use them depends on three things:

1) Your relationship with your listener. Is he or she your boss or a counterpart or a colleague you consider a good friend?

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2) How important you consider your request to be. If something is very important and/or urgent you may need to be more polite than usual.

3) How much inconvenience your request could cause the listener. For example, if you are asking a colleague to work your shift, you are more likely to get a positive response from them if you are more polite than usual and appreciate the hassle it may cause them.

So, what are these different levels of politeness? Well, you can scale them from 1 to 5 in terms of directness, ranging from very direct (not so polite) to very indirect (very polite):

1) "Help me file these papers (please)."

This is very direct and sounds more like a demand.

2) "(Please) will you help me file these papers?"

This is less direct and perhaps more suitable if you are asking a friend for help.

3) "Could you help me file these papers (please)?"

This is neutral and therefore the most suitable for the majority of business situations.

4) "Do you think you could possibly help me file these papers?"

This is indirect and therefore much more polite. This phrase is suitable for people you don't know very well.

5) "I was wondering if you could possibly help me file these papers."

This is very indirect and the most polite request of the bunch. This phrase is best kept for situations where the task is urgent and/or inconvenient to the listener.

Generally, the more indirect the phrase, the more polite you will appear and the more words you will use! It might seem that the indirect phrases are overly polite and in many cases that is true, but bear in mind that they are still effective tactics in gaining help from colleagues or business associates. Everyone likes to be spoken to with respect and courtesy and what are a few extra words if it means you get the assistance you want and need?

Politely Does It - How to Make Effective Requests in Business Situations

Google Redirect Virus - Stop the Google Search Redirects!

Are your Google searches redirected? It is aggravating to Google something and get jumped to a completely different page. Even worse when the page is loaded with pornography, pop-ups, and threatening messages. What you're dealing with is a trojan virus that is spreading at a menacing pace. If you don't get rid of the Google search redirect issue, then you're at risk of receiving terrible spyware and virus infections which can corrupt your personal files and at worst, steal your credit card number!

The Google redirect is programmed by sneaky coders that could be hiding anywhere in the world who throw you around to the pages that they want, which are usually loaded with phony software or links to adult websites, all hoping to extract your credit card information or infect your computer further. Certain situations can seem unbeatable, such as a website that blasts thousands of pop-ups until you are forced to shut down any way you can. The more you have to shut down your computer in frantic situations, the worse it is for your hardware, which can eventually lead to fan problems, motherboard problems, and hard drive failure.

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The good news straight off the bat is that if you've got the Google redirect virus, it can be removed. Either manually or automatically. Before we begin, is your computer showing any other signs of infection? For example, is your system running slower than usual? Are there strange new backgrounds or icons on your desktop? Are you getting bombarded with strange popups? If your computer seems to be running strange, there's a high probability that you're infected with something nasty. What we are most fearful of right now is that you may be infected with a keylogger virus, which will record everything you type and can transmit secure information to thieves anywhere in the world.

So How Do We Remove It?

Manual Removal: The first way we can remove the Google redirect virus is by doing so manually. This is no easy task, unfortunately. You will have to hack into your Windows/System32 folder and adjust your regedit.exe file. You will have to look into your registry folder under the HKEY_LOCAL_MACHINE drivers folder and adjust your entries with 'aux' in the filename. You will have to scan through your program files with hidden files displayed and inspect any possible strange looking exe files.

Due to the complexity of manual removal, I only recommend that absolute experts (think IT technicians) attempt to remove these kinds of viruses manually. It is just too easy to adjust the wrong file and end up with a system in worse shape than before.

Thank goodness for Automatic Removal.

Automatic Removal: This is why I tell everyone, even the experts, to use an automatic removal tool. Not only will it find the Google redirect virus but it will also find whatever other spyware or viruses are hiding in your system. On top of that it will protect you against all future viruses and provide you with customer support whenever you have an issue again. (Depending on which product you use.) Automatic removal is the way to go if you value your time, money, safety, and peace of mind.

Google Redirect Virus - Stop the Google Search Redirects!

Best Places to Live in Singapore

If you're looking for a place to stay in Singapore with an expat community, these are the areas that will interest you if you're working in the main Central company District. All the locations are within 17 min (or less!) drive to the Central company District of Singapore.

East Coast - Live At Katong
Expats are fond of the east because of its close proximity to the beach, and the entire feel of the place. It has a palm tree, sand and sea locality and its main highway is the Ecp. This allows a quick drive to work in the Central company District along a scenic expressway that gives you a view of the ocean and Singapore's city skyline.

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You'll be curious in condos at Katong where the rental is in any place from 00 up.
There're international schools placed within 20 min of this condos in this area as well.

West- Live At West Coast
The foresight is one of the newer condos to be completed est 2014. This area is 15min drive to the main Cbd and 10min to Harbor front. You'll pass Harbor front before reaching the Cbd.

When you live at The Vision, you can have an ocean view and the amenities of a city lifestyle. This area is served by 3 large parks. If you enjoy sports, exercise, convenient grocery amenities, West Coast is worth a look at.

North - Live At Bukit Timah
This is a very rich district and many expats love living here. Examples of new condos here are Cyan placed at Keng Chin Road. Although it isn't close to the sea, many good schools both local and international schools placed within 15 minutes of properties found here.

Central - Live At Orchard or Newton Circus
Living in the heart of the city means being close to shopping, Louis Vutton, Chanel, Dior. There're service apartments at Orchard, and older condos available for rent. Older units will tend to be more spacious, yet we can't expect the price to be low because you're in the heart of the city.

South - Live At Sentosa Cove or Marina
This place is going to be a great place to live in when all amenities are fully execution by 2013. This area is just 15 min drive to the Central company District. Just like the east, you can enjoy ocean side living and the best nightlife, dining, shopping, games, wakeboarding fun Singapore has to offer. Around is Sentosa where the casino and universal studios are located.

The Marina variety condos is a yacht, waterfront lifestyle living that you'll not find in any place expect in the south. If you work during the weekdays and want to unwind on your yacht, then this is the place to be.

Best Places to Live in Singapore

100 Percent Totally Free Online Dating Sites

The dating sites that mention that they are 100 percent free, are making sure that users understand they do not have any hidden costs. This is because there are many sites that say they are free, and they end up charging the users. Thus users will have to be careful when they use the 100% totally free online dating sites. They must ensure that the charges are completely removed before they sign up to use the sites.

Though they are free online dating sites, they will still offer all the services that any user will need on paid dating site. The use of the profiles will be the same as other paid sites, and each member will get equal priority. Since most users are looking for free sites and services, there will be the chance for all the users to meet as many people as they want.

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These free online dating sites will also allow people from all over the world to take part in the activities. So, there will be exciting opportunities for singles who are looking for partners. Online dating sites will mostly be very safe, as they will secure all the information. However, it should be noted that not too much personal information should be given.

These sites can be as much fun as paid dating sites, and there will be thousands of profiles to choose from. It provides a platform for all kinds of people to come together. These sites will allow people who do not interact much, to express themselves through their profiles. By doing this, they will invite people who are interested in them to speak with them.

Users can make as much use of these 100% totally free online dating sites as they want, and meet as many people for a lifetime. The concept of online dating sites has taken the world by storm and is here to stay.

100 Percent Totally Free Online Dating Sites

Being Materialistic

Why are some people more materialistic than others? What is it about owning certain things that causes some of us to act the way we do? Take the modern-day wedding for example. Lately, I've found myself watching this show called Bridezillas. It is a show in which a camera follows around these brides-to-be as they make all of the necessary preparations for their big wedding day. However, most of these women seem to have lost focus of what weddings are all about. It is easy, in this day and age to get caught up in all of the glitz and glamour that often accompanies big events such as weddings. What is the first thing that usually happens when you become engaged? Your friends will often ask you about the engagement ring? Watch out if you don't follow the traditions of having an engagement ring!

The next question will usually be something along the lines of how he proposed to you as well as perhaps where the ring was purchased, how much it costs and then of course when you're planning on getting married. Weddings are supposed to celebrate the public union of two people who swear to support each other for the rest of their lives. But nowadays it seems that all it's about is how expensive the engagement ring is as well as how fancy the venue will be. What about the love? Love, as it turns out, is so passe! Wedding are only one example of where people go a little crazy with the materialism. There are plenty of other areas in people's lives where they can go crazy. For instance, take the recent economic crisis. All of these people wanted to buy homes. There's nothing wrong with purchasing a home for the first time. The problem arises when people try to purchase beyond their means. Everyone has to have the biggest and the best looking house in the nicest neighborhood. However, the reality of the situation is that many first-time-home buyers cannot afford their dream house just yet. In the meantime, however, they can still find a nice home for their money and make it their own. Materialism seems to beget greed and vice versa.

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When we are greedy, we don't make wise decisions. We need to reign back a little and re-think certain situations before whipping out our credit cards. I am all too sure that the credit card agencies love it whenever they sign someone else up for a credit card because they know (or at least they think they do) that sooner or later that person will have to use their credit card. It all seems to be a matter of self control. Instead of being materialistic in thinking that you absolutely need to have something, why not ask yourself, "Do I really need this? Can I really afford it?" It might just save you a lot of trouble in the long run. Trust me, it's better to be realistic versus materialistic!

Being Materialistic

Love Language Part 1 - Words of Affirmation

Verbal compliments, or words of affirmation, are powerful communicators of love. They are best expressed in simple, straightforward statements of affirmation, such as:

"You look sharp in that suit."

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"Do you ever look nice in that dress! Wow!"

"You must be the best potato cook in the world. I love these potatoes."

"I really appreciate you washing the dishes tonight."

"Thanks for getting the baby-sitter lined up for tonight. I want you to know that I don't take that for granted."

"I really appreciate your taking the garbage out."

What would happen to the emotional climate of a marriage if the husband or the wife heard such words of affirmation regularly?

Within every language, there are many dialects. Here below you will find just a few but in the end you need to understand your spouse's dialect.

Verbal compliments: read above

Encouraging words:

The word encourage means 'to inspire courage'. Infuse your spouse with encouraging words in areas of insecurity.

Kind words: Love is kind. If then we are to communicate love verbally, we must use kind words. That has to do with the way we speak. The same sentence can have two different meanings, depending on how you say it.

Humble words: Love makes requests, not demands. The way we express those desires is all-important. If we make known our needs as requests, we are giving guidance, not ultimatums.

If your spouse's love language is WORDS OF AFFIRMATION:

To remind yourself that 'Words of Affirmation' is your spouse's primary love language, print the following on a 3x5 card and put it on a mirror or other place where you will see it daily: Words are important! Words are important! Words are important! For one week keep a written record of all the words of affirmation you give your spouse each day. At the end of the week, sit down wit your spouse and review your record. On Monday I said: "You did a great job on this meal." "You really look nice in that outfit." "I really appreciate your picking up the laundry." On Tuesday I said: ... Set a goal to give your spouse a different compliment each day for one month. If "an apple a day keeps the doctor away," maybe a compliment a day will keep the counsellor away. You may want to record these compliments also, so you will not duplicate the statements. As you read the newspaper, magazines, and books, or watch TV or listen to radio, look for words of affirmation which people use. Observe people in conversation. Write those affirming statements in a notebook. (If they are cartoons, clip and paste them in your notebook.) Read through these periodically and select those you could us with your spouse. When you use one, note the date on which you used it. Your notebook may become your love book. Remember, words are important! Write a love letter, a love paragraph, or a love sentence to your spouse, and give it quietly or with fanfare! (Chances are, when he dies, you will find your love letter tucked away in some special place.) Words are important! Compliment your spouse in the presence of his parents or friends. You will get double credit: Your spouse will feel loved and the parents will feel lucky to have such a great son-in-law or daughter-in-law. Look for your spouse's strengths and tell her how much you appreciate those strengths. Chances are she will work hard to live up to the reputation. Tell your children how great their mother of father is. Do this behind your spouse's back and in her presence. Write a poem describing how you feel about your spouse. If you are not a poet, choose a card that expresses how you feel. Underline special words and add a few of your own at the end. If you find speaking "Words of Affirmation" is difficult for you, practice in front of a mirror. Use a cue card if you must, and remember, words are important.

(Please also refer to the book 'The five Love Languages' by Gary Chapman)

Love Language Part 1 - Words of Affirmation

Jobs Hiring Teens - Overnight Cash For the Average Teen

All the well paying jobs seem to require years and years of education and schooling, jobs hiring teens are almost nonexistent, but when it comes right down to it, the people who make the most money aren't hired by someone, they hire them selves. Most entrepreneurs start in there youth, normally in there teens and sometimes earlier. These types of people are fed up with jobs that aren't hiring teens, and so was I. Until I found a nice job that anyone can do, any teen, any kid of any age.

Filling out surveys is what I'm talking about, and although it doesn't sound too exciting, it can make a lot of money if you give it your time. This isn't just some lame internet scam, survey services never ask you to pay a dime or provide a credit card or any of that non sense. This is a legit job hiring teens that anyone at least 13 can benefit from. Just 13 is the minimum age to start earning on any survey service.

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You're probably asking your self "How does this work? It sounds a little sketchy..." or "This doesn't sound like a real job, is this legal?" These are the most common concerns, and yes, that's what I said as well. This is a "real job" as I have been paid multiple times. Although there are some paid survey services that are scams, that won't pay on time, or don't pay at all, there are a bunch that are legit. Never use a survey service that has been on the internet for less than 6 months, as it has no reputation, and most likely will shut down. There are a few survey services that don't hire teens also, but they are rare, just make sure you check the minimum age before you sign up. This is the #1 job hiring teens as rated by Wired Magazine in 2007.

Jobs Hiring Teens - Overnight Cash For the Average Teen

The Psychological Reasons Women Cheat More than Men

All research studies that I have ever read state that men cheat more than women in committed relationships. The major flaw with these studies is the assumption that men and women both define cheating in the same manner. Most of the studies are conducted by males or females educated and socialized to recognize male infidelity patterns. Every woman I know including myself have been sexually unfaithful while being in a committed long-term relationship, however none us defined our behavior as "cheating". Until recently, I too believed that men are more likely to cheat and be sexually unfaithful in a monogamous relationship, until I had an epiphany that men and women define cheating differently.

Men are viewed as "cheaters" whenever they engage in romantic or sexual conduct outside of their committed relationship. However, women do not see themselves as cheaters unless the male is doing everything perfectly right to please her. When discussing this revelation with several women they agreed that if a male is slacking in any area of the relationship, it is the man's fault that she is required or being forced to seek emotional, financial and/or sexual satisfaction outside of the committed relationship. Many women do not view their sexual encounters with other men outside of their committed relationship as cheating because her behavior is a direct result or outcome of not being happy in the relationship. One woman stated, "If he is doing everything that he is supposed to be doing in the relationship, I wouldn't have a reason to want to be with other men, whereas no matter how much a woman loves a man... wash his clothes and cook his dinner he will still cheat on her with other women."

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Another reason that women do not view their sexual behavior with other men while in a committed relationship as cheating is because of the negative stigma and social views that society have about women who are sexually promiscuous. Women who engage in sexual relations who are not in a committed relationship are referred to as sluts, whores, tramps, and scanks. The only negative stereotype for men who engage in sex outside of their committed relationship is when people refer them as "dogs." Most women grow up with clichés such as, "all men are dogs or boys will be boys." People in general proudly refer to men who cheat as Casanovas, pimps, players, and studs as it is celebrated in the mainstream media and culture." Society's double standard for appropriate and inappropriate sexual behavior for men and women actually promote male infidelity and denigrate women who are not sexually loyal in a monogamous relationship.

A third reason that women do not define their own infidelity as cheating is because typically when women engage in a sexual relationship with a man outside of her committed relationship she view this as psychologically and emotionally ending the relationship with her committed partner. Women typically view cheating as leading a double life, for example, a man who keeps a mistress or sleeps with various women but has no intentions on leaving his relationship with his wife or girlfriend. Many women feel that literally saying or physically ending the relationship is a minor technicality because she no longer feels emotionally connected to the committed relationship, thus she is not cheating.

From a psychological standpoint, women must rationalize and justify their sexual encounters outside of their committed relationship as a means to maintain their ego, self-esteem and status as a "good girl." This is a psychological game that women play with each other as well as men. Women refer to attractive or scantily clad women as fluzzies or sluts. They use these derogatory terms as weapons to control other women's level sexual fidelity. Men also buy into the belief that women are less likely to cheat in a relationship because from an evolutionary standpoint, it is psychologically difficult for men to contemplate that their children may not genetically be their own. Additionally, it is psychologically and economically beneficial for men to buy into the belief that women are more sexually faithful than men because women are conditioned to perceive themselves as victims and martyrs who must work to stabilize and maintain the relationship to prevent men from cheating.

If men and women were perceived as equally as likely to be sexually unfaithful in a committed relationship, this would mean that men would have to work as hard as women to maintain a healthy loving relationship. Men would begin to feel insecure about their physical appearance and the behavior of other men who constantly cheat on women. Men would chastise other men for cheating in fear that the woman that he could be cheating with could just as easily be his own wife. Men feel that women are the gatekeepers of fidelity, thus psychologically freeing themselves to pursue sexual affairs outside of the committed relationship.

Herewith listed are the top justifications women give for seeking sex outside of their committed relationship.

1. He fails to provide adequate financial resources for the home.
2. He is emotionally unavailable. Doesn't talk much or fail to communicate.
3. He is unaffectionate.
4. Sex with him is robotic or not satisfying.
5. He is rarely home.
6. He doesn't compliment her, yet other men are always telling her how beautiful she is.
7. He has an alcohol or substance abuse problem.
8. She believes that he is cheating.
9. He doesn't support her dreams or goals.
10. He doesn't like to socialize.
11. He is addicted to gambling.
12. He is physically abusive.

In summary women do not view themselves as cheaters in a monogamous relationship for three primary reasons: First, if she is not happy in the relationship for any reason it is the male's fault, therefore she is justified in seeking intimacy from another man; secondly, society look down upon women who are sexually promiscuous therefore she must project her behavior on to other women to save her psychological image as a 'good girl' and thirdly; women view sexual relations outside of the committed relationship as psychologically ending the relationship before the actual physical separation happens.

The Psychological Reasons Women Cheat More than Men