Financial solvency of married households x single

This weekend has been full of surprises and great stuff to write about.  One request was that I write a post about how finances of married people are different than those of single people. This came about because Lynne wanted to buy a house in a great neighborhood but she couldn’t afford to buy one by herself. Since she can’t find love, she wishes she could find a guy who would be willing to marry her just so they could combine incomes and wealth. Very romantic. Not.

We all know that married people, overall, have longer lives, better mental health, greater safety and better sex. I took on the challenge and this is what I’ve found.

Reading about marriages, in this economic mess that the country has been in for some years now, a lot of people are struggling with unemployment, the mortgage woes, etc. When bad stuff goes down, people get insecure and get desperate. It impacts their sparkling personalities and cuts into everyday happiness.

While researching about marriages and finances, I came upon the National Marriage Project of the University of Virginia. They have been doing all kinds of research on marriages: seeing if people are happy, less happy, divorcing or not divorcing. These are some of the statistics they came up with:

- Overall, 82 % of respondents in their poll reported being very happy in their marriage; however, financial stress was a      strong predictor of lower marital happiness. Among men and women with no financial stress, 87% reported being happy and very happy in their marriages. The numbers dropped to 84% among those who reported one financial worry. Among those who had two or three financial worries, only 67% reported that they were happy in their marriage. While these troubled relationship may end in divorce, the study found that 3 in 10 said the stress of the economic downturn had actually deepened their commitment to marriage.

Even though it was a minority whose commitment to their marriage was stronger, I found it interesting. So, I kept on searching for more statistics about marriage and found these facts put out by the US Census Bureau:

- Married households have more assets; the median asset value held by married coupled households is 4 times greater than that of households headed by unmarried men and 5 times greater than that of households headed by unmarried women.

The smartest thing in terms of solvency turns out to be marriage. Until a while ago, the median value of assets owned by marital status was $145,000 for married couples, $30,000 for unmarried female households and $28,000 for unmarried male households.

Here is the important part; married families have higher incomes than never married men and women. Even among married families with only one income, those families’ median incomes were still greater than those of never married adults. Likewise, married couples were more likely to own their own home and have greater asset accumulation than households headed by one person.

Not only are the financial benefits of marriage important to individuals as they are in families and their well-being, but the relative social economic success of marriage also protects against dependency on the government against poverty. Also, the risk of a child experiencing poverty and public assistance in his or her lifetime is 6 times greater than if the same child was born of married parents.

So, there you have it. If you want to further know why married people fare better financially, than single, my friend Sue told me about a book called The Case for Marriage: Why Married People Are Happier, Healthier, and Better off Financially by Linda J. Waite and Maggie Gallagher. She said “it is a great reading, full of statistics for the skeptics.” I haven’t read it; thus I cannot give my personal opinion.

Desperate to keep the schmuck?

Today, this post is short and not too sweet. This week end I heard too much about women dating some schmucks and insisting in staying with the schmuck, hoping and praying that the schmuck will change. I heard the desperation to keep him, but the worst was actually listening from some of these ladies own lips: “there isn’t many good men today and if I leave I may not find another guy”. *Gasp*!

How pitiful and sad. In this country a woman doesn’t have to wear a burka and she can choose her own man. Look what some of them do with the freedom they have: they squander it.

To think that they can’t get another man it’s an irrational fear. Ladies you need to stop thinking that you are beggars, that you are grateful to have any schmuck, these kind of thinking needs to stop. Much of what we do in our lives, is a mind game taking place in our own head and in this instance, if you think you can’t get another man, then you will behave in a way that will make it happen.

If you believe that you cannot get a wonderful, psychologically healthy and great guy, then you won’t behave in way that will attract one. The war is in your head, please rectify that. How? You can start by leaving him, be alone for a while and if you can’t change your old ways by yourself, then I think you can do some meditation to change your thinking. Do not meditate for a month and then stop, start to make meditation a part of your daily life, just as you do with brushing your teeth. I believe you will see improvements in your way of thinking, just ask any buddhist. One of the techniques they aim to develop is insight and that should help you.

What is marriage?

Last night, after a class I’ve been taking was over, we were discussing different things and then a discussion about the institution of marriage ensued because one of the ladies said that marriage was about “controlling, keeping one’s feelings hostage, losing yourself, losing one’s identity and personality,, etc.” That was heavy, very dramatic and typical of people who didn’t choose wisely the first time and/or who is somewhat broken inside.

To me is very simple, marriage is an institution which you love and adore your spouse. You sacrifice, you give to him, you take care of him and try to make every moment of his life worth living, and in response, he does the same for you. That’s a good marriage.

When one expresses unhappiness, or one says “you just trying to control me” or “I don’t have to give you anything”.  That’s a bad marriage. It’s a simple thing – when the other person is normal of course, with no emotional scars or with some egotistical personality problem. It’s really the focus on making the other person’s life worth living instead of counting the ways you’re ticked off today. Simple. No drama …. if you choose wisely, of course.

Why won’t he call or text me?

I decided to tackle a subject that I hear more often than I care for: a woman starts dating a guy, and they see each other perhaps twice a week, but then, whatever the circumstances may be, he’ll do a Houdini act (disappears) until the next week when they’ll see each other again. While he’s pulling a Houdini on her, of course, there are no phone calls, no texts, and no answers to her voice messages or texts either.

This past weekend I attended two different events and heard the same scenario from not one, not two, but six different women! I told them that if they were not happy with the frequency or lack of phone calls, they should tell their other halves. Their replies were very predictable: “I did that”.

I told them what it seemed obvious to me: “then leave and start dating somewhere else, stop wasting your valuable time.”

However, predictably enough, their answer to me was: “but he’s so nice, so sweet, so kind, perhaps he’s just not that kind of guy who talks on the phone.” Or my favorite “he works very hard.” There they were, making excuses for their Houdinis. When people say, “he’s not that kind of a guy …,” what kind of crappy excuse is that?  Working hard? So what — we all do that. Sweet, kind…? That’s nice, but if he’s not giving you what you need, why stay?

Sometimes some of us women are very good at making excuses for a guy’s poor behavior and/or total disregard for our feelings. Some of us, when we like a guy, want to make it work so badly that we are willing to turn a blind eye to his shortcomings, so that we don’t have to get rid of him.

When we start dating someone, we need to be very critical about who we choose to share our lives with. If there is something that is not working in the beginning of the relationship and upon communicating that to said person, nothing changes; it isn’t going to get better. The person is either not THAT interested or simply doesn’t care.

Men, take notice: the women you are seeing need to hear from you. Don’t see us one day then ignore us the next three. If we text you or called you, have the decency to return our calls or respond to our texts. Ladies, when you complain about his not responding to calls/texts and in the same breath defend him by saying that he’s “really a nice guy or perhaps he’s not that kind of guy ….”, ask yourself why you’re excusing bad behavior. Sorry, being desperate or lonely is not a good excuse.

When you’re getting to know someone and you ask for something that is important to you or maybe you make a simple request that would mean a lot to you, when he ignores it, you need to see reality and stop making excuses for him. In this life you do what is required. You do what is morally correct. You do what is thoughtful. You do what is respectful. You do something small if it means something big for the person you’re getting to know. And if you are going to continue seeing a guy who is not going to be obligated to do things just because “he is not that kind of a guy …” you are going to have a tough time in life with him.

It doesn’t take that much time to call and ask someone how they’re doing, or texting “hope you’re having a great day”. Heck, you can even do it while going to the bathroom or on your way to the car—it takes a few seconds. Therefore, be wise in your choice of a life partner. Choose someone who is kind, concerned, and will put himself out to be gracious and attentive to you.

Men remember: a one minute phone call is not a hardship and can make your woman so much warmer, fuzzy, accepting and amorous towards you.

Your guy cheated on you, are you good enough for him?

In the past, Lina from Morgan Hills, has had a loving, passionate, kind and sweet relationship with her boyfriend of 2 years, then she became engaged. In the midst of planning the wedding, she found out that he had three sexual trysts with other girls while engaged to her. Lina broke up with the bum and now he has been coming back, sniffing around, asking for forgiveness and trying to weasel his way back into her life. She is having second thoughts. She broke up with him because she felt she wasn’t pretty enough, sexy enough and, in summary, not good enough. That’s why he cheated.

*gasp*! You think you weren’t good enough because he behaved badly? You think if you would be prettier, sexier, he wouldn’t have behaved badly and screw behind your back all while lying to your face and proposing to you? That makes no sense at all and is pretty irrational.  People don’t cheat (or behave badly) because the people they are with are not good enough. They behave badly because  their character is flawed. There is an “event” and there is a pattern of behavior. Three times? It’s a pattern.

We have to be able to look at situations and at people’s behaviors and let them own their behavior. We can’t be responsible for their behaviors because they make their own choices. Now, when he’s coming back and trying to weasel his way in, you should get rid of him if you have any sense. You now know his character, and once you know somebody is not a stand up guy, why would you want to marry and make babies with him?

Not everything in life is about you. It’s about the choices you make. He didn’t cheat on you because you weren’t pretty enough, sexy enough, or whatever enough. Remember the Halle Berry case? She was darn pretty and the guy still ran around with so many women, he lost the count. Notice that there are a lot of unattractive women who have very faithful men, and I know a few. The reason women blame themselves is because if they blame the guy, they have to dump him; but if they blame themselves, they can keep the bum.

Remember, you found out about what his character was all about and not about your looks.

Does your man fear commitment?

I’ve received a few e-mails from men talking about their fear of commitment. However, one particular guy (Troy from Burlingame) got my attention. So, we exchanged a few e-mails. He told me he had dated these great girls and they all wanted to marry him (really?) but he always found something wrong with them that made him break up with them. I have seen this movie before.

What is fear of commitment? I know fear of an Earthquake, a tornado, a bad car accident, a grizzly bear, and a hungry lion because I know what could happen to me if one of them got a hold of me. I would either be dead but if alive, messed up a bit.  Now, what can commitment do to you?

When I ask those “commitment-phobic” people what does that mean, usually they say they don’t know (meaning they are refusing to think) and when I press them further for an answer, the most common answer I get is: “I’m afraid if I am intimate with somebody, it will leave me vulnerable to being hurt if they decide they don’t like me.” And Troy didn’t disappoint me. He wrote me almost the same thing.

It’s all about him and how he feels. He wants guarantees that they won’t dump him even though he has dumped girls in the past. We all have broken up with people before and we’ve hurt them. They didn’t die. They were able to get on with life, eventually. So, it is survivable. So, if you fear commitment, you have to do what we all do, that is, take the risk. The less badly you behave, the less likely you will be dumped.

When Troy says that he finds something wrong with the great girls he dates, I can tell that there is something wrong with each and every one of them. There is something wrong with each and every one of us as well. That’s why when we get married and when we say for better or for worse, we understand that it’s not going to be perfect; but if each person gets up in the morning and spends their time figuring out how to make the other person happy and glad that they’re married to you, you should have a lovely life. If we choose our mate wisely and treat them lovingly, we’ll ensure that we’ll be together for many happy years.

My experience with men who fear commitment is that everything they say is to keep themselves in one place. They argue with everything I say so they can keep themselves in one place. If you are one of these commitment-phobic, I suggest you stop dating. You have no right to go out there and hurt people knowing in advance that you know you will hurt them on PURPOSE; intentionally; predictably. You have no right to do that. Until you’re willing to be a loving person, don’t date.

Unless you’re ready to give, to love, to have compassion and to be thoughtful of other people’s feelings, don’t date. It’s not fair, it hurts people and you have no right to do that.

How not to be jealous of an ex-wife, ex-girlfriend, or a dead wife.

A good friend of mine is getting married, and she told me that she has a problem with her future sister-in-law because she is best friends with her future husband’s ex-wife. Consequently, it has been really hard for her to see that and accept their friendship. After hearing this, I decided to write a post about it because I have heard the most absurd cases of jealousy such as even being jealous of a dead wife or dead girlfriend.

If you’re over 12, you have a past. Just face it. If you marry later in life, your beloved may have a past that included a few ex (you fill the blank) and it may be an ex by marriage. If the ex of your future husband is still good friends with his family, you should be very gracious, because at the end of the day he chose you. Remember that your beloved is the one who introduced his ex to his family and his family embraced her. They have a relationship.

You should not be threatened by: a woman he’s no longer with, a woman who’s dead, a woman who lives miles away, etc, etc. Try to behave like a grown woman and be gracious. He chose you. What else do you want everybody to do to make you feel secure? If they’re still friends, that’s nice. They like each other. They’ve been in each other’s lives for a while. The fact that the family is still keeping her close, shows that she must be a good person. It shows you that his family doesn’t discard people easily. So, if you grow to love them, if the same fate should happen to you, they wouldn’t discard you either.

Thinking that everyone in his family should excommunicate the ex, now, just because he chose you, is pretty awful thinking. You won the prize. Can you act like it?

Cancer kiss-off: Getting dumped after diagnosis

I think it’s unfair to expect that a new relationship would volunteer for this. It’s different when it’s a fiance or a spouse because they know what that entails as in “for good or worse, in sickness and in health”. Sad story but it shows that we need to be more circumspect when choosing our life partners and not just date someone just for chuckles, we never know when we’ll need them. Read below.

Women more likely than men to be divorced after a diagnosis of cancer or multiple sclerosis

By Diane Mapes, Health writer

TODAY.com

Getting diagnosed with breast cancer is bad enough. But getting dumped by the guy you’re seeing right afterwards is sort of like finding a piece of spoiled lettuce on your crap sandwich.

Granted, the guy I was dating wasn’t exactly husband — or even steady boyfriend — material; it was far too early in the game for that. But there was something there. Until things started getting “heavy.” Then, not only was the “something” gone, so was he.

Unfortunately, I’m not alone when it comes to the cancer kiss-off.

When Cindy Wine was diagnosed with breast cancer 10 years ago, she came home from her first radiation treatment to an empty house.

“My husband said he couldn’t go with me — he was too busy at work,” says the 55-year-old former radio host from Indianapolis. “But when I got home, all of his stuff was gone. I felt like somebody had punched me in the gut.”

Cancer? I’m outta here!
Interestingly enough, people have actually studied this phenomenon and discovered that a woman is six times more likely to be separated or divorced shortly after a diagnosis of cancer or multiple sclerosis than a man diagnosed with the same diseases.

Researchers at three medical centers looked at 515 patients — some with a malignant brain tumor, some with multiple sclerosis and some with cancerous tumors from melanoma, lymphoma, colorectal cancer, etc. Almost half the patients were women.

“The results were similar across all three cohorts,” says Dr. Marc Chamberlain, chief of neuro-oncology at Seattle Cancer Care Alliance and co-author of the 2009 study entitled “Gender Disparity in the Rate of Partner Abandonment in Patients with Serious Medical Illness.”

“We did find women who had abandoned male partners, but the differences were striking. There (were) a disproportionate number of partner abandonments in female patients.”

Curious as to what this was all about, I called Dr. Chamberlain, who admitted his results made men look like “bottom-dwelling, scum-sucking creatures” then offered insights as to why so many men pull a “Gingrich” or a “Lackey.” (Both former Speaker of the House Newt Gingrich and Red Sox pitcher John Lackey supposedly ditched their wives in the middle of a cancer battle.)

“Men may be very well equipped to be primary providers but not so well equipped to be primary caregivers,” he says. “I think men are challenged in caring for someone who has disease and treatment-related symptoms — managing the stress, managing the logistics.”

Cindy Wine says her husband actually sent her an email the night he disappeared, trying to explain his actions.

“He told me, ‘I can’t deal with this. It’s too much stress for me right now,’” she says. “I just thought, ‘What the hell stress are you going through? I’m the one with cancer.”

Fear and loathing
Psycho-oncologist Mindy Greenstein, a former chief psychiatric fellow at Memorial Sloan-Kettering Cancer Center (and a breast cancer survivor herself),says some of the men who walk out on their partners may not even know why they’re leaving.

“Are they frustrated? Are they afraid? Are they looking for a woman who’s not missing body parts?” she says. “Who really knows what’s in their brain. And who knows that women don’t have the same inclination but feel too guilty to leave.”

And then there’s the question of who actually pushes for the divorce.

“Were there signals that preceded diagnoses that divorce was imminent?” says Chamberlain, of his study. “We didn’t know that nor did we necessarily know who was the driver of the divorce.”

Chamberlain says one thing they did discover was that the longer a couple was together, the more likely it was they’d stay together after a bad diagnosis.

In other words, my fledgling romance with Mr. Compassionate probably didn’t stand a chance, although to be honest the guy did insist “it’s not cancer, it’s you.”

As if that’s supposed to make me feel better.

Whatever the case, though, not all cancer-stricken couples are destined to split up.

New roles, new role models
Greenstein says in her experience “the vast majority of men don’t leave their wives.” (Martina McBride’s new hit single “I’m Going to Love You Through It,” tells the story of one such stand-up mate.)

Some men, in fact, embrace the caregiver role so adamantly they end up carving out new niches for themselves.

Journalist Mark Silver, author of the book and blog “Breast Cancer Husband,” is a frequent lecturer on caregiving, offering advice to scores of “clueless breast cancer husbands.”

Rob Harris, a 56-year-old human resources professional from Orlando who runs the advice blog www.robcares.com, has also reinvented himself since his wife began battling cancer.

“[Having a spouse diagnosed] is emotionally traumatic and you go into a fog and say ‘I don’t know what to do,’” he says. “There’s no doubt about it, caregiving is probably the toughest thing I’ve done in my life.”

Despite that, Harris says there are plenty of rewards.

“My wife and I fell more deeply in love because we no longer could take each other for granted,” he says.

Tackling cancer as a single woman isn’t the end of the world, either. Take it from me. Or Nicole Strang, whose boyfriend of eight years left her shortly after she was diagnosed with ovarian cancer.

“When my boyfriend left, I had no hair, a port in my chest, and a huge ugly scar on my belly,” says Strang, a 46-year-old retail manager from Cary, N.C. “I felt really ugly and it sucked while I was going through it. But him breaking up with me was the best thing that ever happened to me. It was a blessing. I found myself again.”

 

Read the original article here: http://today.msnbc.msn.com/id/44709926/#

 

Men, being “hot” is NOT the most important requisite.

Today I want to address some emails that were burning my inbox. They all revolved around a common theme: men staying with women for the sole reason that they are “hot” (attractive), some much younger than the men, while complaining about the lack of substance in the relationship (e.g., shortage of interesting conversations). Some of them had the testicular fortitude to whine about not being able to leave the relationship because the woman was “so hot”.

These emails brought me back to an argument I had with two male acquaintances who, too, were complaining about their “hot” girlfriends’ inabilities to produce a decent conversation. Disclaimer: these men are also dating (and have frequently exclusively dated) women 15 to 20 years their junior.

I’m not going to lie, I was a little put off by it.

I do understand that physical chemistry is important but staying with someone because the person is “hot”, to me, doesn’t say much about the person doing so. To those of you who wrote to me to whining about your “hot” girlfriend’s lack of substance and are not doing anything about it because you’re not thinking with the right head, I have a simple thing to say to you. They are not my words, these words was told to me many decades ago, back in my home country:

When you’re looking to make a life with someone, marry someone you like to talk to because when time becomes your enemy, expression lines dominate your face, and your “vitality” is not as you you’d like, all that will remain are the memorable and intimate conversations you’ve had with someone who has lived and shared many stories with you, held your hands numerous times, embraced you when you needed it and told you the right word at the right time. You will remember your life together—the happy times, the funny, the passionate ones—and you will still laugh together a lot.

Remember that external beauty is fleeting but the affection, the respect, and the knowledge one acquires living together increases everyday. Get married to someone you really like to talk to, because over the years, it will make all the difference.