Abuse can be physical, emotional or both and it affects your health just the same because both can leave lifetime scars that will and can hurt you in both your personal and professional life. Words hurt too.

There is no real difference in how emotional and physical abuse affects the mind, body and spirit, the only difference is how it affects your body physically. Verbal abuse does not leave visible scars or bruises.

Verbal abuse is terribly degrading. It is the kind of abuse that can leave a person feeling un-whole for a long, long time. Often times verbal abuse is worse then physical abuse. Verbal abuse makes people feel worthless and over time they start to feel like they deserve being abused.

The old adage, "sticks and stones might break my bones, but words will never hurt me," is totally untrue. Ask someone who is verbally abused, they will attest to the fact that each hateful comment, each snide remark hits them like a ton of bricks to the stomach or to the side of the head.

In a relationship being verbally abusive or abused is unhealthy. If you degrade your partner, or tell them they are fat, ugly, stupid, even in joke, you are walking the line of verbal abuse. When they start to believe you, and when they start to feel bad about themselves because of what you say, then you have crossed the line. Unkind words should never be used, even as a joke, no matter who you are.

What are the benefits of installment debt? Well, for one installment debt allows you to purchase items at a competitive interest rate. In most cases you can buy a home for 5% to 7% for a 30-year mortgage. You can usually buy a car for 8% or 9% interest on the loan amount.

How does installment debt payback occur?
In most cases, the loan is paid back on an amortization schedule. This means that monthly payments of a fixed amount are made for the life of the loan. The fixed amount is determined by looking at the life of the loan, and the interest rate, and how much you would have to pay to make equal payments the whole time taking into account the amount paid down, and the interest needing payment. This is done so that the amount will remain constant over the life of the loan.

What else do you need to know about installment debt?
One important thing to realize when you are paying for a big ticket item with installments is that at first, most of the monthly payment you make only pays for interest, very little goes to the principle of the loan. As your principle gets eaten away at, and is smaller, you owe less interest, so a bigger portion of your payment goes to principle, but it usually take a number of years before the principal begins to be paid down. So, it is wise to make lump sum principle payments as quickly as possible in the loan to cut off years of future payments, and a lot of interest.

For example: If you have a $200,000 home loan, and you pay in it for 30 years. If you were to pay $5,000 down in the first month, you would cut off about 8 years and $22,000 of payments that you would have made. So, with installment debt, paying quickly, is paying smarter.

Another thing to know about installment debt is that it is easily budgeted for because it is consistent, and because the debt is eliminated on a predetermined date (if you make your payments) you can plan for it well.

Installment debt is a good way to improve your credit, as if you make your payments on time your score improves, so for those trying to establish or improve credit, even if you actually have the cash to purchase the desired item, installment debt can make financial sense. It can also help you earn a higher return (after taxes).

Verbal abuse is as serious in relationships as physical abuse. If you are in a relationship where you are being verbally abused and made to feel bad about who you are, it is time to get out. No one deserves abuse, verbal, physical, or emotional. Most people who suffer physical abuse would tell you that it affects them emotionally as well. Each punch might as well be the person screaming hate at them, and vice versa. Each hurtful word might as well be a punch or a kick.

Do not let yourself or someone you know be verbally abused, or verbally abuse someone they claim to care about. Words hurt as much as anything else, and it is critical that you do not allow yourself to become an abuser because the pain is not as obvious, or the results as clear as if you were hit, or did the hitting.