REBOUNDERS, BEWARE!

If you have decided, immediately following your divorce, that it is high time to find the next spouse, think again.  Recent studies have confirmed that marriage success rates for second marriages evolving from rebounds often have a significantly higher probability of failure as did the first marriage.  Veteran Star magazine and NY Daily News relationship expert and astrologer, Jennifer Angel, cautions:

  1. Do you want desperately to fill the love-void at any cost?
  2. Does your new love look like a dead ringer for your first spouse, or have the same traits?
  3. Are you falling into the same bad traps as with the first spouse?

Chances are you will be heading from the frying pan into the fire if you are jumping into marriage too soon after going through a rough divorce.  You need to understand your reasons for wanting to marry so quickly.  Some people are in such a rush to remarry, either for their kids, families, the Jones’, etc., that they even set a quick wedding date in their head soon after meeting the first person they date after their divorce is final.  Or maybe they start dating even before their divorces are final…whatever the reason, rebounders need validation that they are good people, and often subconsciously look for relationships or traits that mirror their first marriages, instead of listening to what their heart is telling them about their true love feelings.  Infatuation dies early on in marriage, the dust settles and resentment starts to set in. 

THE REBOUND PARTNER MAY BE  TOO NEEDY, LOOKING FOR AN INSTANT SPOUSE REPLACEMENT, RIGHT AFTER, OR DURING, THEIR DIVORCE, AND YOU MAY BECOME THE VICTIM OF INSINCERITY

Cathy Meyer, a therapist who has written extensively about rebound relationships, cautions against marrying a rebounder.  Meyer says that the person you are about to marry is needy and vulnerable, and may be marrying as a coping mechanism, instead of dealing with internal conflicts directly.  Rebounders choose the easy way out, convincing themselves that remarriage to the first person they meet is the answer; that the rebound marriage will solve all their problems.  It isn’t.  Marriage will only get worse, and harder for the rebounder(s) if they don’t deal with their emotions before pursuing another marriage.  Meyer says that the new relationship is the extreme cover up of what may actually be going on inside of that person.

AVOID BEING THE RESCUER OR YOU MAY BE VULNERABLE TO ANOTHER DIVORCE

While rescuing friends and loved ones after divorce is admirable, know that the person pursuing you and the rebound relationship is relying on you to rescue them.  Not a good place for you to be because you are vulnerable to instability in the form of waffling actions and feelings; and the other person distancing themself from you when things get hard or when the infatuation wears off.  The new rebound spouse may be a fill-in for the person who your partner truly loved, but never dealt with properly.  Your partner may be searching for the void, resulting in a true tragedy if you realize early into your marriage that it all happened too quickly, and without careful time spent really getting to know the other person.  Rebound marriages (engagements that occur typically within one year after meeting someone) rarely maintain a sustained love by both parties. 

REBOUND MARRIAGES HAVE HISTORICALLY LACKED SUSTAINED ROMANCE OR PASSION, AS WELL-KNOWN ANALYSTS REPORT

Yes, this is true.  Meyer warns that a quick rebound marriage is a result of an attempted quick fix for problems that were never properly resolved, and a quick attraction that can’t be sustained because it was never real at the core in the first place.  The lack of romantic feelings you may have felt for your first spouse may come back the second time around.  What a shame it would be to one day wake up and discover that you were really never in love with this second spouse, but used them as a band-aid, as well-known author and psychologist, Gilda Carle, reiterates.

IT’S POSSIBLE YOU ARE STILL THINKING ABOUT YOUR EX LOVE SO MUCH THAT IT TAKES OVER YOUR THOUGHTS IN YOUR EVERYDAY LIFE

An experienced and brilliant therapist with a large national following, Denise Young, once told me that the “more you tell yourself NOT to think about someone the more you do”.  If you can’t get your mind off your previous love you must come to terms with the fact that you are still in love with that other person, and deal with the feelings before your life begins to unravel again, becoming so unsettling that your health suffers.  Many people enter rebound relationships just to try to cure a difficult situation or to quickly forget.  Again, Denise Young says–”it isn’t that easy.  Especially if you were in love with the love of your life, and for a few decades.  How can you get over that person?  Why did you walk away?  You were perfect together.  You, and you, alone, must come to terms with that person before you can move on like that relationship never existed.  If your previous relationship lasted so long and the love was so strong there must have been a magnetic force keeping your love alive.  That love will usually stand the test of time”, says Young.

DECIDE WHETHER YOU WANT TO REMARRY QUICKLY AFTER THE DIVORCE

You may have been married almost twenty years to someone else whom you got to know intimately well.  But now you are content just jumping into something that you aren’t really deep down comfortable with in your heart?  Below are tips from the professionals about shopping for Spouse #2, and knowing when the time is right, and not just a big distraction:

  1. Do you or do you think your partner still thinks about the former love constantly, especially at the end of the day, longing for what you had that was so perfect?
  2. Have you noticed your partner having difficulty losing weight, or seems unmotivated to get in shape due to the unresolved feelings of the previous relationship?  Has his or her confidence gone down a lot since their divorce?
  3. Have you read the unabridged copy of your partner’s divorce documents?  Divorce documents are open to the public and fairly easy to get at any county court house.  You want to make sure all the pages are still in the file, because the papers are public and can be tampered with or confiscated from the physical file.  Divorce documents will possibly reveal affairs, behavior patterns, pornography, alcohol or sex addictions, abuse, etc…. You may want to read divorce documents with a grain of salt, but some additional knowledge over what you already know will be very beneficial.
  4. Remember, most importantly, that there are two sides to the story; not just your partner’s side.  Have you been brave enough to ask to meet your partner’s first spouse?   You should meet the first spouse, and if you already have, does he or she look just like you?  Or act like you, or have the same taste in clothes, same body shape, same decorating taste, etc.?  Have you talked with your partner’s first spouse about their feelings about your partner and the cause of their divorce or the reason for their marriage?  Although there are always two sides to every story, you want to err on the side of caution this time around, minimizing your chances for another failed marriage.  If you are too similar to your partner’s ex that could be a warning for what may go wrong in your marriage to that person.
  5. Does your partner feel a sense of urgency just to get married?  For the sake of kids, or social circles, maybe a job?  Did you get engaged at a very specific time, like exactly one year after your divorces, or exactly one year after meeting?  Or right before some big event in your lives?  This, too, could be a warning sign of a potentially doomed relationship, or a wedding that seems staged for children or family and friends.
  6. Do you really know what your partner craves or needs, deep down?  It takes years to learn all you can about a person, and then you may still not know the real person.  If your love is really true you will always know what their partner needs and how to show them their needs are being met by you.
  7. Is it possible that your partner is really just eager to show the world that he or she wasn’t at fault in their first marriage, and that the new marriage with you will prove that?  Usually marital breakdowns are a result of two people, and not just one person.  Again, rushing in may be the first sign of disaster.  Remember how your first marriage went wrong, and don’t repeat what you learned the first time around.
  8. How did your partner’s first marriage end?  Did it end amicably?  You can tell a lot about a person’s true character when times are bad.  So in the case of the first marriage, did your partner abandon their first partner, without having any conversation, for the person to discover some other way?  How were problems dealt with?  People that quickly walk away from one relationship are often the same people who quickly walk into another relationship.
  9. Does your partner remember your birthday and holidays?  Does he or she seem sincerely interested in you and all that goes on, good and bad, in your life, or are you there to just take care of them and their needs?  If they can’t be generous or remember you and your birthday or holidays, or other meaningful days, they are holding back, and you need to determine the reason.
  10. Does your partner talk about having more children, when between the two of you, there are already several children?  How will you afford to pay for all of these children, who will need to go to college, especially if you are still supporting your ex?  Voids can be easily fixed by just having more kids; but having additional kids is not the solution to the void.  Therapy and couples relationship counseling may help, but having more kids will not help.

A TOUCHING AND MEMORABLE PERSONAL STORY

About twenty years ago, I met a much older man named named Steve, while I was on vacation with my girlfriend, who told me that he once almost made the mistake of his life by almost marrying a woman right after his own divorce.  More than anything, Steve wanted a stepmother for his children because of all the guilt he felt.  Though Steve found a woman who seemed to be a carbon copy of Julie Andrews in the Sound of Music, a friend recommended that Steve look at her divorce documents, to make sure Steve wasn’t making a rash decision.

Though at first astonished that his friend would even recommend that Steve look at his partner’s divorce papers, Steve decided one day that maybe it would be safer for him going into his second marriage without having second thoughts, and by reading his mate’s divorce documents he would feel more secure.  What Steve discovered while reading her file kept him up all night that night.  Surprisingly, the only thing his partner asked from her first spouse in the divorce was to maintain her membership dues at her country club, and money for monthly highlights to maintain her light blond hair.  She also mentioned that she didn’t like the way her ex wrapped birthday presents that would be presented at little kids’ birthday parties, and that going forward, she would expect nice gift-wrapping for all birthday presents.  There was absolutely nothing in the documents about her bond with her children, or their emotional well-being!  She showed that she was out for herself, and not for anyone else, including her kids.

Steve started thinking about all the clubs this woman joined when going through her divorce, and really beforehand.  Steve saw the writing on the wall—she just wanted to find a spouse that would fit the ticket for her image, and cared less about who that person really was on the inside.

Steve couldn’t believe what he was reading.   I was surprised when Steve told me that he decided to contact her ex to see if what he was reading and interpreting was actually true.  Her ex confirmed that these were the demands and sentiments of the woman; and in fact, the woman had engaged in a short-term affair with another man she believed had more money than her ex.  I asked Steve at what point did he realize that he should back out of the relationship.

On his way way home from his partner’s ex-husband’s house Steve said he asked himself over and over, ”Is this is going to be the woman that I really want to be the stepmother of my children?  This otherwise really pretty ordinary woman, both in looks and in personality, who I learned, along the way, had very little money from her ex, a pretty dead-end job, and who personified herself as a true child-loving family-minded and conservative woman with good values who lived in a nice part of town, turned out to be a self-centered gold-digger, looking simply to find a middle-aged man with a good job, who could give her the grand house and lifestyle of her dreams, which was fine except for the part about her true colors and motivations for marrying me.”  Steve asked himself, “What had I done with my life, and what kind of values did I come to have?”  Luckily, Steve said he backed out in time, before the repeat of his first marriage occured.  A few years later Steve married a wonderful person, who he realized in the process of healing, truly loved him for all of his qualities, not just for his job, grand house and car, and was a kind and compassionate person, who Steve never had the chance to marry when they were young; Steve married his college sweetheart, a woman he is so thankful he has every single day.  I will never forget this story.

Do you have a college-bound child that you are doing some last-minute dorm room shopping for? The good shipping deals will expire soon, so you want to get out now to take advantage of the deals.

RETAIL TRENDS FOR COLLEGE SHOPPERS THIS YEAR DIFFERENT FROM LAST:

1. Free shipping offers, as opposed to monthly or weekly sales right now — actually, only a few sales right now—this is the peak season for stores and when they expect to do their biggest business:

  • Positive: You’ll save hundreds of dollars in shipping
  • Negative: You will have to wait 2 weeks or more to get your goods; you don’t have the time to wait—even with the big box retailers, or discount places, like Wal-mart and Target.  My advice, based on trial and error is to avoid driving to a store to pick up the shipped good, (Container Store) even if the shipping is free—will take too much time. They never seem to have your goods waiting for you when you arrive at your scheduled “time slot”.

2. Assembly required on most items:

  • Positive: You’ll save money because you need to assemble
  • Negative: Many of this year’s products are not easy to assemble. Also, dorm rules are getting stricter about nailing things into walls—they may fine you and it isn’t easy for college kids to repair walls when they leave.

THE LATEST TRENDS, HITS AND MISSES IN EVERYTHING FOR YOUR DORM ROOM

  1. Bedding Sets: Best overall deals in decent quality bedding come in color-coordinated sets this season. Wal-mart has sets from $35-55. Some of their sets include 11 pieces for $55, including a carrying case that doubles as a hamper. If you like color-coordinated sets this is the way to go. Can’t beat the price. Quick-drying towels a must for space-saving, drying quickly and having fewer laundry loads.
  2. Skip Decorative Boxes, ranging from $15-25 each; meant to also be used to carry your belongings to and from the car. Personally, I would skip the boxes. For no money you can go to your local grocery store to get big cardboard boxes or go through your garage, and then fill in with some inexpensive Glad or Rubbermaid containers with lids.
  3. Functional Wall Accessories: Wall Functionality is key this year, as many of the newest wall and desk accessories provide function and storage.  Pottery Barn Teen is selling a wide variety of fun, colorful accessories.
  4. Closets have space-saving rods and places to put sweaters, shoes, and accessories: Hottest trend is extension closet rods, with places for hanging accessories, shoes and sweaters.
  5. Decorative, Functional Desks: Cool looking art objects that double have holders for paper, pens, supplies
  6. Cooking Ware: Many dorms are no longer allowing microwaves—alternatives are easy plug-in hot pots, and pizza makers—let’s face it, late night studying means pizza in dorm rooms.

SHOPPING ALERT! —Many colleges are trying to save money on electricity –they are prohibiting microwaves and refrigerators for the first time, but are providing things like garbage cans that you don’t need to buy—check with your school ahead of time, and try to coordinate with your roommate to save some money and avoid duplicating and overdoing it.

Some of my favorite dorm room picks, including the latest trends in everything for your dorm room:

FROM BED, BATH & BEYOND:

For the Shower

Hot Pot

Handbag Storage Rack

Hanger Extension

FROM POTTERY BARN TEEN:

Wire magazine rack

Desk Accessories

Closet Storage for Sweaters

Wall Note Holder

FROM WAL-MART:

Pizza Maker

Basketball Hoop for Over the Door

11-piece Bedding Set

FROM THE CONTAINER STORE:

Double Hang Closet Rod

FROM POTTERY BARN:

Photo Rolodex Frame Cadre in 4×6″: $69

BANK REFINANCING RATES THE BEST IN 50 YEARS

That’s what you see over and over in the press.  True.  Yes, the cash-strapped can win big when refinancing right now, saving money over the life of your mortgage, or so we’ve been led to believe.  But wait.  There’s a catch.  In effect in most states now:

APPEALING YOUR REAL ESTATE TAXES WILL NOW REQUIRE YOU TO GET AN APPRAISAL, OR TO SHOW ANY APPRAISAL YOU HAVE GOTTEN IN THE PAST THREE YEARS

Wow.  So if you have had your home appraised for refinancing purposes, that appraisal will come in most likely at much more than what you paid for your house possibly years ago.  Your higher appraised home will hurt your ability to now get your real estate taxes lowered, ever.  Especially if you get all the way to your appeals court.  The counties will do anything to get revenue and property taxes are one of the best ways to recover the financial losses over the past few years.

HOME APPRAISALS MEAN A HUGE GAMBLE IF YOU WANT TO EVER TRY TO APPEAL YOUR ALREADY HIGH PROPERTY TAXES

Counties across America are getting smarter.  They are coming down hard on people who claim they are overpaying for taxes relative to their neighbors.  Too many people are hiring too many lawyers and the courts are overflowing with real estate tax appeal cases.  With states and counties feeling cash-strapped, they are looking for any way to collect more taxes.  Your county knows that if you are required to submit your appraisals done within the past three years you will be less likely to try to get your real estate taxes lowered.

Something important to consider when deciding whether or not to refinance.  Don’t learn after the fact.

OUR LOVE OF PERFUME

I just realized that my most favorite perfume I’ve worn over the past several years no longer smells appealing to me.  It seems to smell different from the way I remember it.  But I just don’t want to make a mistake by throwing it out (I hate to throw out sentimental possessions) and buying a $60-75 bottle of perfume that I will not like after wearing for the first time.   The $30 billion a year perfume industry just seems to grow annually, even during a recession.  Since antiquity, with its creation in Egypt, women have made perfume a part of their daily rituals.  Perfume is popular because it can heighten our senses in a way nothing else can accomplish.  Our familiar scents can be associated with comfort, closeness and intense passion.  The perfume industry is highly secretive, with little known facts as to how perfume is made or what makes some perfumes astronomically expensive.

PERFUME SCENTS ARE SHORT-LIVED

Perfumes can last for, on average, five years.  You need to keep perfumes stored in a dry, dark and cool, but not cold, place.  Sunlight and heat can alter the smell.  If you see any brown thickening, the perfume is going bad.  But don’t get rid of your perfumes until you really notice their smells changing.  As we get older, our sense of smell changes, so recognize that your own sense of smell can make the perfume’s scent change over time.  Once you open a perfume bottle, it starts to “age.”

On your body, smell will last longer if your body is moisturized.  If your skin is dry, the perfume’s smell will evaporate more quickly.  A fact I didn’t realize–I thought the opposite was true.  Applying perfume lower on your body will make the smell last longer than closer to the face, where the smell is likely to rise and go away.  Blondes seem to not have as much luck as brunettes when it comes to lingering smell on their bodies.  Blondes do better with floral perfumes that keep their smell longer than other kinds of fragrances.

Citrus scents last the least amount of time, though popular, because citrus perfumes are made from some fresh ingredients.  For men, after shave has the least amount of oils, and therefore evaporates the quickest of all fragrances.  Age is also a factor in determining how a scent will last on your body.

Continue reading »

History repeats itself.  Studies have shown that over time, people tend to make the same bad choices the second time around; whether it be in dating or marrying someone who is a dead ringer for the one you couldn’t wait to get rid of the first time around, or shopping at the same awful stores that you vowed you would never step foot in again.

I have also been in this rut.  I vowed when the stock market crashed last year that I would explore new retailers, and new ways of shopping; I’ve been surprisingly happy with the results I came up with.

GET OUT OF YOUR SHOPPING RUT

After recently shopping at Costco (and renewing my membership for a whopping $50) I realized why I signed up in the first place.  My son likes their chocolate cake.  That’s it.  That’s the only reason.  And I paid $50 for that privilege to buy that one cake, one time.

In a recent radio show I hosted with the Miserly Mom, Jonni McCoy, listeners learned why Costco isn’t the price leader for many household products we assume must be cheaper because of their massive bundled quantities.  You don’t need to be a repeat shopper.  There may be other better ways to shop.  You don’t need to pay anymore to belong to a “club”.  Save your money.

Continue reading »

Do you ever just want to recycle your old, grimy pots and pans?  Maybe you don’t want to spend a lot of money on kitchen gear.  But a few years ago, an extensive report came out on the dangers of and cancer-causing ties to using non-stick frying pans.  At first, consumers were suspicious that the startling revelation about the cancer-causing possibility of our everyday frying pans may have been instigated by the industry’s goal to create a profit motive, forcing all Americans to purge their stock of frying pans.

GET RID OF YOUR OLD NON-STICK FRYING PANS?

Before you make any rash decisions, consider the facts: At high heat, which non-stick frying pans are prone to reacting to by getting even hotter, the coating on the non-stick frying pan breaks apart, causing toxic particles and cancer-causing gasses to be emitted–these gasses and particles can cause extreme illnesses, even thyroid disease, according to the Environmental Working Group (EWG), a prominent nonprofit environmental research and advocacy organization, financed by the Rockefeller family, among other well-known families.  Teflon has been known to kill birds because of its toxicity.

Continue reading »

Teens using social networking to get noticed by peers is not new.  Neither is the fascination teens and younger have with sites like Facebook.  Many moms you know who seem traditional and conservative, leading otherwise ho-hum lives, are expressing themselves with what looks like topless and other provocative-looking pictures on Facebook.  Maybe these moms believe their Facebook pages will elevate them to a level they can’t achieve in their real lives, or maybe they hope to get noticed by the opposite sex.

Many moms share things that a predator would want to know, like their favorite stores and restaurants.  Many list their political affiliations or make implications of leading a much more glamorous life than they actually do.  Many of these mothers and daughters, alike, are hungry to create a false impression of themselves or are just hungry for the sexual attention they may ordinarily lack.

Continue reading »

My doctor told me recently that I have lost 20 pounds since my checkup last winter.  I couldn’t believe that I had lost so much weight; I had never tried to lose weight and I’m not much of a dieter–I guess I just haven’t had the same appetite lately.   But it dawned on me that I really haven’t eaten any fast food this past year.  In the past, with 2 kids and their hectic schedules (and mine) I would occasionally stop at the usual fast food places.  Not this last year.  After reading a recent article in Health magazine about fast food, even the “healthy” fast food options make me now understand why America isn’t losing weight.

Continue reading »

HOW THE CREDIT CARD ACT OF 2009 AFFECTS YOUR KIDS AND CHARGING

In February, the Credit Card Act of 2009 went into effect to limit a credit card’s ability to charge high interest rates and service fees.  Kids and especially kids in college were trapped with high balances and high interest rates.  Kids and credit cards have always been a risk to credit card companies, and to their parents, of course.

Continue reading »

Let’s face it—we don’t all have lucrative college savings accounts.  If you can’t absorb the cost of going to a physical university right now, you may be looking at your online options for the best value.  Though online education may cost less than an a physical university or college you have to understand what you are getting for your money and how your degree will be perceived.

Continue reading »