left out again - don't want to attend half-brother's wedding
jmandersonfinch
14 years ago
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organic_maria
14 years agokkny
14 years agoRelated Discussions
4 goings going to college...& we don't want to work past 60 HELP!
Comments (16)I just read this post and wanted to respond. I was interested in the responses that you recieved V. Some were helpful. I have a few thoughts on this subject as well. I found it amazing that someone would have the guts to post that if you can't feed them don't breed them. As if by asking the question about how to prepare for the future, you are not doing your duty. It sounds like you are doing a great job feeding them, if you will, and are now looking toward the future. Good for you. I also found it interesting that the debate came down to a pick one scenario for everyone who did respond. You are crazy to pay for their college and not take care of yourself or you are selfish to take care of your retirement and not help your kids. I put forth that you have set two goals and want to know how to make both of those goals work. Without knowing more about your financial situation, no one can tell you how to do this or if it's possible. What I will tell you is about myself. I am a stay at home mother of three. My husband is ten years older than I am. He wants to retire in his early 60's (62 at the latest). Our children will just be going to college at about the time he wants to retire. I want to pay for college for my children. These are both valid goals. We gathered all of our information together and went and paid 400$ to a financial planner. It was the BEST thing we ever did. We are not rich. But we thought it was well worth the money to have someone help us look at our overall financial well being and help us draw some basic predictions (conservative predicitons) towards the future. He looked at our insurance and our finances. We found out we probably needed more disability insurance, if something were to happen to my husband, there is no way we could have held on to the house and made things work, even if I went back to work. We found out that we were doing fine with retirement and needed to think about college funds. I have the peace of mind now, knowing that if my husband were to die or get injured we could keep the house, maintain our style of living and be OK. And I won't have to go to work. That is important to us. We can retire in our 60s but it will most likely be age 65 (instead of 62) and pay most of our kids college expensis. I would strongly suggest that you think about going to a financial planner. Pick one wisely but know that they are worth the money in my book. Some things to think about- you can save for the local state university and your child will end up in Harvard. Then what? For us, we decided to save as much as we could towards helping our children get a basic four year degree. If we have enough to pay for their college, great. If they go to Harvard, Yale etc- high expensis, they will have to work and get student loans and scholarships. Or you will save for college and they won't go to college. Then what? This is one reason we have not put anything in their name that will equal a large chunk of money that will be theirs at age 18. Although they are adults at age 18, we know that they are still young and still lack the in depth decision makign skills they might need. We would hate to see our money spent on a nice car at the expense of college. The choice will be theirs at that time. What college to go to? How to help pay for it- live at home, work, not go? They will be well on their way to adult hood and able to make decisions that impact their future. Even now, our children are encouraged to save for college. (ages 4,2,5 months). We take any gift money sent to them and put it in the bank in their name. We give them a small allowance and help them split it up to tithing, spending, savings (my 2 and 5 months old don't get it yet, but they will). We are setting a policy now that any money they get in gifts at least 1/2 will go to the bank. This will be their money towards college and other expensis they may have as they grow and leave home. (Down payment on a home? Down payment on an appt? Down payment on a car? college?) The other thing we did- we took all of our money (except for a little bit) and put it in our accounts. We have not seperated out college vs retirement vs a big wedding. We figure it is all ours and if something comes up that we have to spend it, we want to be able to do so with out feeling like we are spending our childrens' money. WE earned it and we want to use it the best way we need to at any given time. You just never know what will come up (accident, job loss, etc.)... So it's in one big pot with our name on it (except for a very little bit). Closer to college time we will sit down and figure out where we stand- how much we have total, how much we can help each child out with college, how much we need for retirement etc. Then we will help our children. It is my belief that we had these children and along the lines of if you can't feed them don't breed them- we want to help them along in their adult hood the best we can. It seems a shame to force them to take on student loans when we will hopefully be in a position to help them if not pay for their college totally. I have some personal reasons for wanting to help my children through college based on my history. But there you have it. On the flip side though, we do not want to hurt our retirement or not retire to help our children. As someone posted earlier- $30,000 at age 30 is easier to pay off in the long run than the same debt at age 60 on a fixed income. I maintain that there is probably a fine line between these two goals that you can walk. I would put forth that with some research and budgeting, most families can be in the position we are now in. It's not ideal- we scrimp a bit and we don't do everything (many) of the things I'd like to do (like move to a huge house, go on more vacations, fly etc). But I feel good about where we stand. We know we can take care of ourselves and our children now and for many years to come. We know we can retire and help our kids through college. A 529 is a great option. We have one for each child. There are other options- roth iras, coverdale ira, schwab accounts, drips, etc. You get the idea. This is one reason we went to a financial planner. He helped us untangle the information and then backed off and let us make the decisions that we felt were best. Good Luck. Ginger...See MoreDon't people want to live near their families?
Comments (32)Please tell me what facts exactly are in question? Maybe I can clear it all up for you or would like the X's number to check it all out yourself? W/ her 'holier-than-thou' attitude these days, I'm confident she'd be honest with you. Years ago, maybe you'd have been buddies. What I see is that most kids spend far more time w/ their mothers than their fathers, in a normal nuclear family. Moms do the running, dads are working. Therefore, the mother is the most influential on their young minds. The mother is the parent with whom the children are more sympathetic. When mom paints the 'poor me' picture, the kids are emotionally taxed. Perhaps if my DH's ex's bf had NOT dumped her after DH moved out she'd have never needed a scapegoat. Perhaps if she watched my DH wallow in self-pity, become a hermit, and be run out of business by all of her antics, she would have some sick sense of satisfaction. She was jealous that the practice didn't fold, jealous that DH moved on. There she was, alone by her own doing, and not about to let her kids know the truth. She knew about my then-fiance - saw me all the time w/ him on weekends. I ran into her and the children on many occasions at the movie theatre. She wasn't even cordial to me THEN, let alone the following year when DH and I started dating. She was angered, or so I heard, that I didn't leave the practice when we were in a delicate position financially. I'm not a job-hopper, esp. at this level, and patients were still coming in despite her harrassment of the staff and attempts to have a number of 'mutual friend' patients stop being treated by DH. I wasn't sure what her aim was there - just hated him as she admitted to the kids (when she told them she had had an affair.) She resented the fact that we began dating and were happy and successful. PERIOD. Anger, bitterness, and the like are just ugly emotions. My Skids did not realize the tennis coach was the man w/ whom their mom was intimate. Sadly, she had always included this man in their outings to the movies, bowling, etc. throughout the marriage to DH. So, when he continued to be a fixture in their lives, until he dumped her and then moved away, it was par for the course. DH worked long hours, tennis coach was over for dinner after tennis lessons, etc. In the summer, she, the coach, and the three kids were a 'family' while DH worked, I guess. I did see them when out w/ my DNs on my day off, but never dreamed she'd be interested in the coach - he was OK from a distance, but up close, rather sloppy in appearance. DH is immaculate. I have one final thing to add about your 'theories.' My best friend from dental school and I once had a discussion when one of our classmates parent's cheated on the other and the marriage ended. She said, "I don't know about you, but I think if my dad ever cheated, I'd never be able to forgive him. But, if my mom did, I think I'd want to hear her reasons and would probably justify what she did!" I agreed. The logic makes no sense, but we BOTH felt that way - we are both very close to our mothers but had/have (her dad passed away since then) wonderful, hard-working fathers. So, I imagine if she and I both felt that way, others do, too. It's just a shame that some women use their closeness to their children to turn those children against people they, themselves, do not like. I have a very difficult g-mother and my skids w/ whom I've had issues, to say the least. My kids LOVE all of them. I can rest at night. I've done my job. None of these are dangerous in any way, just people I do not particularly care for, but I won't let my ill feelings sour my boys' loving and generous nature. I can look myself in the mirror at the end of the day and not be embarrassed. And, it would be VERY easy to sway them into thinking the way I feel deep down inside. Of that, I'm certain. D...See MoreDon't Want to Stress
Comments (14)I am the DH and I agree, it is an awful situation. I raised three other children (now 23, 21, and 19) and never faced anything like this. The difference is that my first wife passed away when YD was 13 and I never had to deal with a kid that did all the things that she's done since. Grounding worked with all the others and if it didn't work the first time a longer sentence did the trick. YD flat out doesn't care. Ultimately I got the police involved but all that has done is prolong the process and now we're on hold in terms of making any other decisions (treatment) until things are resolved in court. Any time she steps out of line (breaking curfew, drugs, etc.) I've called the police and filed complaints. I've been in the police station more in the last year than the other 45 years of my life, ditto for the principal's office at school. The problem is that I can't call the police because she acts weird or makes things uncomfortable...and I feel like I'm letting everyone down because of that, especially DW. She wants peace and no stress and I'm failing at that simple request. I think YD needs help and I'm hoping that her court date tomorrow will be the first step. She is facing a willful concealment charge, possession of marijuana, and is also involved with a CHINS (CHild I Need of Services) petition. The thing is that nothing happens fast and she could very well end up at home, which is something DW doesn't want to face. However, since we involved the courts there may not be a choice. So we thought involving the police and seeking a CHINS petition was the way to go and now it may mean that she still has to live with us. Damned if I do and damned if I don't comes to mind. The thing is, you don't become an expert in all of this until it is too late and then you hope to never use that knowledge again. By the way, her first counselor recommended CHINS so it isn't like this was decided out in left field. I thought it would be easy sailing after we both went through the loss of a spouse at a young age...guess I was wrong....See MoreWhen You Don't Want to Be Invisible or Friends After 50
Comments (138)I had been trying to re-connect with a friend by emailing her and arranging lunch dates. I was always the one to initiate. I kept it up for several months. When we saw each other it was always really nice. When we ran into each other at church there were always big hugs and "we have to do lunch again soon !". The only way that was going to happen was if I initiated. I stopped. For good or bad I don't think that it can be one-sided. I have given this a lot of thought. I have always been a loner and I believe I always will be. I have had one good friend at a time for years and then it would end and I would have another. I seem to be able to manage that and nothing else. I believe that if I really wanted more I would do more to aide the process. DH and I are really close and do a lot of things together and separately. He has no close friend either. But that is nothing new. Looking at it dispassionately it is the way we are. I no longer think there is something wrong with us. Everyone finds their own way of carrying on. My way wouldn't work for someone else and their way wouldn't work for me. When I am on a bike tour for months at a time I do enjoy being with others ...up to a point. All of us on the trips agree that our tent is like a return to the womb :) When I get home I really relish the lack of stimulation from others and go right back into my solitary ways. I have meditated at length on this and on my original thread that spawned this thread. I am what I am and that is all that I am. Peaceful is how I feel ...not lonely or alone. c...See Morenivea
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kkny