Showing posts with label men. Show all posts
Showing posts with label men. Show all posts

March 19, 2013

The 10 Biggest Reasons Men Resent Their Wives


By | Love + Sex – Mon, 18 Mar, 2013 

Avoid resentment in your marriage with these expert pointersBy Kerry Miller

Despite the picture-perfect impressions we get from upbeat Facebook posts or boastful holiday letters, even the healthiest marriages aren't 100% free of conflict. At some point, virtually everyone feels wronged by a romantic partner. Bob Navarra, PsyD, a Licensed Marriage and Family Therapist (LMFT), says that those feelings aren't what throw a marriage off course-it's how couples handle them. "While it may be frustrating that the toothpaste cap was left off, happy couples talk about these small things," he says. But when those emotions are swept under the rug, a more toxic variety of negativity begins to fester: resentment. Here, marriage experts share some of the most common reasons husbands resent their wives and how to protect your relationship. Photo by Getty Images.

1. Not fighting fair.

Happy couples don't necessarily fight less, Dr. Navarra says; they just fight better, by "describing their own feelings and needs rather than labeling their partner as faulty." And the ball is probably in your court for that. Research shows that wives are more likely to bring up problems for discussion, while husbands are more likely to withdraw at the first sign of an argument. When this keeps happening, women tend to start conversations on a negative note, which only makes things worse. Instead of resorting to personal attacks-"You're such a slob!" "We're going to be late because of you!"-which lead to defensiveness, Dr. Navarra recommends sticking to "I-statements," such as "When (this happens), I feel (frustrated, angry). What I needed was..."

Related: Discover 9 fights you should have with your husband.

2. Treating him like a child.

"A big issue I see in couples is a man resenting his partner because he feels she talks down to him," says Mary Kelleher, LMFT. This can leave him feeling "less-than," and nothing triggers resentment faster than inadequacy. So avoid threatening his independence-the way pressuring him to go for a promotion so he'll bring home more money may be perceived-suggests couples therapist Vagdevi Meunier, PsyD. "No one wants to feel 'managed' by a spouse," Dr. Meunier says

3. Involving other people in your marriage.
What you might think of as harmless complaining to friends and family can actually break your husband's trust. It threatens the safety of the "couple bubble" you've created together. "Men find this humiliating and hurtful," says Norene Gonsiewski, Licensed Clinical Social Worker (LCSW), a couples' therapist at the Portland Relationship Center in Oregon. If you really need to vent, consider talking to a doctor or therapist to keep things confidential.

Related: Check out 10 things husbands should never do.

4. Not showing appreciation for thing he does right.

"Men will never ask for it," Gonsiewski says, but regular doses of praise are important. "They need to hear that their wives are proud of them." Scott Haltzman, MD, author of The Secrets of Happily Married Women, notes that men tend to be more action-oriented than women, which means they show affection in different ways. "He may empty the dishwasher as a way of saying he cares about you." Haltzman's suggestion: "Pay attention to what he does, and let him know you notice."

5. Withholding sex as punishment.
While women generally need emotional intimacy to make love, men express emotional intimacy through sex, says Marla Taviano, author of Is that All He Thinks About? When a wife turns down sex, in her husband's mind, "she's turning him down as a person," explains Taviano. Using sex as a bargaining chip to get your needs meet isn't negotiating-it's emotional blackmail, which can alienate him. "Withholding sex may make your partner feel less love from you and give you less love in return," says Dr. Haltzman.

Related: Learn 8 secrets of sexually satisfied couples.

6. Trying to change him.

"Every person can change, but it's better to focus on our own changes, rather than our spouse's behaviors," says Anne Ziff, LMFT, author of Marrying Well. And yet, some women see marriage as a starting point for a "husband makeover." This isn't all bad-studies show that married men tend to eat healthier and have fewer problems with drugs and alcohol than single guys-but avoid creating a relationship in which your husband can't be himself. "When a man feels his home is not his castle, and he can't just be a guy-whether it's walking around in his boxers or letting out a burp-he'll feel like he's been put in a box where he has to act prim and proper all the time," Dr. Meunier says. Sometimes, it's smarter to let the little things slide.

7. Making important decisions without his input.

Research shows that money is a top source of disagreements among married couples, even those with bigger budgets. In a lot of ways, money equals power, and balancing power is important to harmonious relationships, Meunier says. Whether you're considering booking a vacation or buying a dishwasher, your partner deserves a say. The same goes for decisions that affect how you and your husband spend your time, such as inviting company over for dinner or signing up your kids for soccer. Although it may seem simpler to beg for forgiveness instead of getting him on board, unilateral decision making can drive you two apart.

8. Not giving him the chance to be the kind of dad he wants to be.

Mothers often parent differently than fathers, but not necessarily better. For instance, some studies show that parenting styles more common with dads, such as rough-and-tumble play, offer children unique developmental benefits. "Men's resentment grows as their children develop with gaps in their competency and independence, two attributes men rate highly," Gonsiewski says. "When a woman doesn't trust her husband to parent she sends a message that he's wrong and only she's right." Instead, "reinforce your husband for the positive contributions he makes to your children's lives," Dr. Haltzman recommends.

9. Acting jealous when he looks at other women.

Men are visual creatures, Dr. Meunier says, so it's not surprising that a typical heterosexual man would notice a good-looking woman. "Women who understand this and don't take it personally minimize unproductive fights about jealousy." When a wife overreacts to a situation, her husband will likely feel defensive, and eventually, resentful. Dr. Meunier's advice? "Chill out." Responding to a visual cue isn't cause for worry, she says-curious comments or behaviors, like dropping your hand to head across the room to talk to another woman, could signify a lack of commitment to you.

10. Expecting immediate forgiveness after you apologize.
Studies show that seeking and granting forgiveness greatly contributes to marital satisfaction and longevity. But beware of empty words. While apologizing manages conflict, Dr. Navarra says a simple "I'm sorry" often isn't enough. To truly earn her husband's forgiveness, a wife needs to show that she understands why her husband is upset. Dr. Haltzman recommends being specific about what you're apologizing for, accepting responsibility for what you did, acknowledging that you what you did was harmful and lastly, asking what you can do to make it up to him. "If you've gotten to the first three steps cleanly, most men will say 'forget about it' to the last question," Dr. Haltzman says.  

April 24, 2012

Transgender man fights $3,400 hysterectomy bill


A transgender man in Nova Scotia has filed a human rights complaint after he was handed a $3,400 bill for a hysterectomy that he claims was medically necessary.


In an exclusive interview with the CBC, Jessiah MacDonald said the province's Medical Services Insurance is charging him for sexual reassignment surgery because it doesn't cover that operation.


MacDonald, 24, had the surgery in 2010. He insists in the time leading up to the operation that he was never told he would have to pay.

"I felt it was wrong because despite my gender, I still have pieces of my body and if a piece of my body gets sick, I expect it to be treated as any other piece."
Born Jessica MacDonald, Jessiah always felt different growing up. At 18, he told his family he wanted to be a man and started taking testosterone pills.
Medical problems began. MacDonald went to a gynecologist after experiencing abdominal pain.

"The gynecologist had mentioned during the consult that I had a small uterus and she could feel multiple polyps during the internal exam, and that was sufficient enough for her to suggest a hysterectomy. But there was no mention then that it was only if I was female. There was no mention in the nine months between that and the surgery date."
Several other women in his family, including his mother, had hysterectomies before they turned 30, MacDonald said.

"The gynecologist said I had two options to deal with the symptoms I was having. The first would be to take birth control to raise my estrogen levels but she ruled that out as an option because I take testosterone. I'm a man. And the second option was the abdominal hysterectomy, which was her suggestion."
In October 2010, MacDonald went to the IWK Health Centre in Halifax and had the operation.

He said after he woke up, his doctor gave him a bill for $3,400. He said he was stunned.
"I was fairly angry and I'm sure that was apparent as it was on my face. I'm fairly certain I started crying before they left the room and they couldn't have been in my room for more than 10 minutes tops. It was more like, 'Here's your bill, we'll help you pack your stuff … please get out.'"

A week later, MacDonald said he discovered that MSI considered his operation sexual reassignment surgery.

"Once I got back home, I ended up having to take the staples out myself because no one could guarantee that the followup care would be covered as well," he said.
MacDonald said it was never his intention to have a hysterectomy for sexual reassignment. Full reassignment involves a series of reconstructive surgeries.
MacDonald hired lawyer Kathryn Dumke, who is transgender herself, and filed a human rights complaint against MSI.

"I have never heard and I don't think anybody has ever heard of a case where a condition needed treatment and the treatment was denied because MSI questioned that it wasn't medically necessary," Dumke said.

MacDonald and Dumke want MSI to cover the surgery and change its policy so transgender people can have a hysterectomy if medically necessary.
"Someone's got to talk about it because if I don't stand up and say this is what happened to me and this is why it was wrong, then what if it happens to somebody else?" MacDonald said.
The case could be heard by a human rights tribunal if no agreement is reached. The two sides have communicated, Dumke said, but at this point it looks like the case will go to a hearing.
The Nova Scotia Department of Health and Wellness would not comment because the case is before the commission.

However, the department confirmed that this is the first time that a transgender person has complained about not being covered for a hysterectomy.
MacDonald's doctor is out of the country and was unavailable to comment.

http://ca.shine.yahoo.com/transgender-man-fights-hysterectomy-bill-103059137.html

October 3, 2011

The secret to living happily every after?

More than 200 women in long-term relationships are interviewed to find out what they're secret is. 
What they all did

Is distance the key to a happy marriage?

(Thinkstock Photos)
(Thinkstock Photos)
Boredom.  It’s the leading deal-breaker in marriages, according to a recent survey of over 100 family and divorce lawyers.  Not to mention Brad Pitt. 
Married for 23 years, journalist Iris Krasnow has a personal antidote to the long-term marital rut that  creeps into relationships over time: separate summer vacations.
Once a year for about a decade, she’s spent a portion of her summer away from her husband. When her four sons were young, she’d work as a counselor at their camp in the Adirondacks while her husband, an architect and furniture maker, focused on his own projects back at their Annapolis, Maryland home. “I love nature so I just thrived up there and he’d get so much work done back home,” says Krasnow, an associate professor of communication at American University.

Related link: The one reason you should get married

After seven weeks away (with a visit in between) their marriage was usually stronger than ever. “When I’d come home, the grind of an ordinary marriage seemed extraordinary,” she says.
It’s one of the trade secrets she’s learned in her own marriage, and through interviewing over 200 women in long-term relationships, for her new book, "The Secret Lives of Wives"
A little distance is key to growing "separately, together," as Krasnow calls it. "You can't live happily ever after in your marriage if you're not happy outside of it," she says. One major misconception in marriage, as Krasnow sees it, is believing your spouse is your only source of happiness. "No one person can make you happy, it has to come from within," says Krasnow. “When you live with someone day in and out the 'hot' doesn’t stay 'hot' unless you take time apart to discover yourself and what makes you happy independent of your partner.”

Related link: Canadian marriages on the decline

For Krasnow, that means a few spouse-less weeks away.  For some of the women she interviewed, it's come in the form of a girlfriends' getaway or a newfound hobby that forces a little separation between family life and personal identity. "All of the women I've interviewed with strong marriages have great girlfriends they can drink, travel, and vent with," she says with a snicker.  "The trick is having separateadventures and pursuits from your spouse, not separate lives."
She limits her time apart from her husband to three to four weeks maximum and she’s learned in her time  away to feel comfort in her husband’s absence. “It’s okay to miss someone you love,” she says. “It’s a very powerful aphrodisiac.”
Some couples take it one step further, dividing their time between two separate homes. In 2006, 3.8 million married couples were considered “living apart together.” Judith Newman and her husband of more than a decade, are one of them.  “Living apart has allowed us to stay married and remain in love,”Newman writes in Self Magazine. From the get-go they had different ideas about how to keep a home, how to  decorate, and how to live peacefully inside their shared space.  Their solution was to keep two separate apartments nearby, even after they had kids.  “We do find each other essential,” she writes. “It’s just that, like many couples, we find each other deeply annoying, too. The only difference with us is that sometimes we can breathe a deep sigh of relief at the end of the day and say: I love you, honey; now get the hell out of here!”

Related link: Three risks to take in your marriage
One reason a little distance goes a long way in a marriage: it fosters self-reliance. A study published in the journal Family Relations found that wives of men with fishing or trucking jobs that took them away from home for weeks at a time were more likely to take on male roles in the house. The ability to fix things in the home, and accomplish tasks they’d otherwise rely on their spouse for, bolstered confidence and diminished the "neediness" factor that festers in a long-term relationship.    
But not everyone believes co-dependence is a bad thing.  Dr. Paul Amato, author of  "Alone Together: How Marriage in America is Changing", found that couples are spending more time apart than ever. Over a period of 20 years, more spouses are vacationing, networking, and making friends outside of their family units.  He suggests that too much independence and self-reliance can make the idea of divorce more palatable.
A partner-free vacation is only a problem if your marriage is unstable,  says psychologist Ruth A. Peters,  PhD. “When the relationship is intact, occasional separate vacations can add a terrific dimension to your marriage,” Peters tells MSNBC. “But if trouble is already brewing between partners, a separate vacation may do more harm than good. Consider your true motivation for the vacation, the stability of your finances and relationship, ages of your children, and willingness to compromise.”

Related link: Is it your job to make your partner happy?
For Angela Neustatter, compromise saved her marriage. So did a little time apart under one roof. After a protracted marital rut characterized by frustration and bickering, she and her husband considered separating, until they came up with a plan. “Separate togetherness,” is how Neustatter described their deal in the Telegraph. Together the couple assigned themselves “private spaces in our home to retreat to,  allowing us to choose when we wanted to be together.” It did wonders.  “It was the best thing we could have done. We went back to behaving as we had much earlier in our relationship...And as we grew closer, we were able to talk about having felt we’d grown apart and the pleasure in growing together again. “
Sometimes a little distance, be it a few feet or few thousand miles, goes a long way. 

February 22, 2011

Why Men Marry: Revealed


Why (and who) do men choose to marry? How do men define happily ever after? Are men really commitment-phobic and sex-obsessed?
In a book entitled VoiceMale: What Husbands Really Think About Their MarriagesTheir Wives, Sex, Housework, and Commitment (Simon & Shuster, 2007) author Neil Chethik examines the findings from a national survey of married men, including in-depth interviews with 70 men and a survey of another 288. And some of his findings just might surprise you.

Why Do Men Marry?
Contrary to what some of my girlfriends have said, men do not marry for free laundry service. According toVoiceMale, “Men propose marriage primarily because they want the physical, emotional and intellectual companionship of a woman. Men like company.”
Are men commitment-phobic? Not with the right woman. According to the U.S. Census Bureau, nine out of 10 men will marry in their lifetime. And according to the VoiceMale survey, “Men do the proposing 85 per cent of the time. At least formally, it is overwhelmingly men who initiate the marriage commitment.”
Can you drag a man to the altar? Not likely. According to Chethik, “Men entertain the idea of marriage only when they’re ready.” And these days, men judge readiness as a “flagging interest in the singles scene.” One man quoted in VoiceMale stated, “One morning I woke up next to a woman who could have been a Playboy model, and I didn’t want her.”
Where Do They Meet the Women They’re Going to Marry?
# 24% of husbands met their wives in school
# 18% met their wives at a social event, such as a party or wedding
# 18% were introduced to their wives by friends
# 23% of men married in the last three years met their wives at work
# 6% met their wives at a bar (Who says you never meet someone nice at a bar!)
# 4% met their wives at church, synagogue or another religious setting
# 1% met online. “Because of the newness of online dating, no studies have yet been completed on whether marriages that begin online are more or less successful in the long term than those that start in more traditional ways.”
What Do Men Look for in a Future Wife?
Surprisingly, beauty was not the most important criteria for a man in choosing a wife. Sure, beauty attracts, and attraction is crucial, but the most important factors men look for in a woman are a positive outlook and self-confidence. Also high on the list were brains (hallelujah!), self-respect, motherliness and for some, devoutness to faith.
What’s more, according to Chethik’s survey, “A man who knows within a month of meeting a woman that he wants to marry her is likely to be happier in the marriage than a man who takes longer to decide.”
Do Married Men Get Enough Sex?
The stereotypes are true. Most married men don’t get as much sex as they’d like. (Although in fairness, many single men don’t get as much sex as they’d like either.)
However, the solution for all the sex-starved husbands might be as close as the broom closet. According to the VoiceMale survey, “The more satisfied a wife is with the division of household duties, the more satisfied a man is with his marital sex life.” That’s right guys, there’s nothing sexier than a man who knows how to use a toilet brush.
In the honeymoon phase (the first three years) men are generally happy with their sex lives (54 per cent get it at least three times a week, and eight per cent get it every day!). But the childrearing years (years four-20) are the toughest for men sexually.
The number of men having sex three times per week drops to 24 per cent. The next stage of marriage (years 21-35) brings with it an increase in sex, 29 per cent of men report their wives have an equal sex drive. And finally, in the last stage of marriage (35 years or more) the frequency of sex drops considerably, but 88 per cent of men are satisfied with their sex lives during this phase of marriage.
As far as happily ever after is concerned, you might be interested to know that 93 per cent of the men surveyed by Chethik said if given the chance, they’d marry the same woman all over again. Now who’s afraid of commitment?
~By Lisa Daily

January 8, 2011

Scent of a woman's tears lowers men's desire


What a downer! Men who smell a woman's tears experience a dip in both sexual arousal and testosterone, a new study finds. 
The libido-dampening effect occurred even when the men never saw the women cry and didn't know they were sniffing tears, researchers report online today (Jan. 6, 2011) in the journal Science.
The results are the first to suggest that humans can chemically communicate with tears.
"We conclude that there is a chemosignal in human tears, and at least one of the things the chemosignal does is reduce sexual arousal," study researcher Noam Sobel, a neuroscientist at the Weizmann Institute of Science in Israel, told LiveScience.
An odorless signal
It's obvious that humans communicate both verbally and visually, but recent research has shown that chemosignals also carry lots of information. Chemosignals may be entirely odorless - in Sobel's study, participants were unable to tell the difference between tears and saline solution - but they affect both behavior and physiology.
Earlier work by Sobel and others found that male sweat can boost mood and sexual arousal in women, as well as bumping up their levels of the stress hormone cortisol. And a 2004 study published in the journal Hormones and Behavior found that the scent of a lactating woman's nursing pads could increase sexual desire in other women.
Scientists have found that emotional tears contain more proteinthan do the everyday tears that protect the eyes. Until now, however, chemical signals in tears had been found only in mice and blind mole rats. To investigate the phenomenon in humans, Sobel and his colleagues put out fliers recruiting people who could cry easily. They got about 70 responses (only one of them from a man), he said. The researchers screened the volunteers and found the three best criers - women who could produce at least a milliliter of tears while watching a sad movie.
The researchers then had 24 men sniff both saline and the women's tears. Both the tears and saline had been allowed to roll down the women's cheeks, as a way to control for any odors in their skin or sweat.
None of the men could tell the difference between the two samples, and even the experimenter was kept in the dark about which she was presenting. The men then saw photos of women's faces, which they rated for sadness and sexual attractiveness. [Read Sexual Pheromones: Myth or Reality?]
"To our surprise, there was absolutely no influence on sadness or empathy or anything of that sort that we had expected," Sobel said. However, "sexual arousal dropped after sniffing tears."
Questions about crying
The researchers tried the experiment again, this time priming 50 male volunteers for sadness by showing them a depressing video clip. Again, sniffing tears instead of saline didn't make men sadder. But it did lower their sexual arousal and their testosterone levels.
As a final experiment, the researchers repeated the tear-sniffing with 16 men who were situated inside a functional magnetic resonance imaging machine (fMRI). The fMRI shows patterns of blood flow in the brain, which coincide with brain activity.
Sure enough, the tears reduced activity in areas known to be involved in sexual arousal. Those areas included the hypothalamus, an almond-size structure just above the brainstem, and the left fusiform gyrus, which is on the surface of the left side of the brain.
The study was "very well done," said Charles Wysocki, a psychobiologist at the Monell Chemical Sense Center in Philadelphia.
"Tears contain proteins that are also found in the underarm," Wysocki told LiveScience. "And in the underarm they bind the chemicals that we think are involved with chemical communication, so it's quite possible that these proteins found in tears might be doing the same thing."
The finding is likely to remain controversial until researchers discover a specific chemical that causes the response, however. Sobel's lab is now working to identify the compound in tears that sends the signal.
"There's something that's operating at a very low concentration to cause this effect," George Preti, an organic chemist at the Monell Center who wasn't involved in the study, told LiveScience. "It's obviously a molecule with a lot of oomph."
The study also raises questions of whether children's and men's tears send signals, and what signals are conveyed within one's own gender by tears. Whether happy tears send a signal is another open question, Wysocki said.
"You can understand where women might not be aroused when they are, in fact, crying," Wysocki said. "And maybe they're telling the male, it's a chemical communication way of saying 'No' or at least 'Not now.' You can see that, it makes sense. But if doesn't make sense to have the same chemical signal being released when a guy gets back after a year of tour of duty and his wife greets him withtears of happiness and pleasure. I would speculate that those tears would be containing something else."
Given the newfound parallel between rodents and human tears, the idea that humans are the only mammals to cry emotional tears may be wrong, Sobel said.
"Human emotional tears were considered unique because they were considered purely an emotional response," he said. "But what we've shown is that they're a form of chemosignaling, at least in part, and that puts them on par with mice tears and mole-rat tears."

September 19, 2010

Shortage of single ladies drives men to commit

Vancouver BC is knowns as a city of singles. Most of my friends are single. They live alone and seem happy on the outside. But is it really a choice or lack of better choice? Not enough non-commitment-fobs in Vancouver is driving us to stay single. 
I have come across this article and decided to share it with you....




"Where single women are rare, women marry earlier, researchers reported Aug. 4 in the journal Evolutionary Psychology. The shift may be because the ladies have more men to choose from, while the men have extra motivation to put a ring on it.
"Women are basically getting snapped up, because the guys want to get her before somebody else does," study author Daniel Kruger, an evolutionary psychologist at the University of Michigan, told LiveScience.
Attack of the single woman
Kruger first became interested in studying the effects of gender imbalance on the marriage market when he caught a glimpse of a magazine cover on a trip to New York City.
"It had this cover picture on it that said, 'Attack of the Single Woman,' and it had this giant woman with a big red dress like Godzilla tromping through the city," Kruger recalled. "It made me wonder just what would happen to these relationship dynamics if there really was a surplus of single women."
To find out, Kruger analyzed census data on marriage age and gender imbalances in the 50 largest metropolitan areas in America. Using the data, he calculated what's called an operational sex ratio, which is the number of sexually available men per 100 sexually available women, multiplied by 100. A ratio of 100 means a balanced population, while numbers larger than 100 indicate a surplus of men. A ratio of 110, for example, means 11 men are available for every 10 women. A ratio of 90 would mean nine men are available for every 10 women.
After controlling for income and race, Kruger found that in areas where women were scarce, women married slightly earlier. Men's average age of marriage didn't change relative to the abundance of potential mates, but they did show more variability in the age when they married than women did. That's likely because guys who can snag a women will settle down quickly, Kruger said, but because women can be more choosey, other men may have to build up their finances and social status before they can catch a bride.
"[Some guys will] settle down and take the women before other guys can," Kruger said. "But other guys will have to work more and thus they'll get married at later ages."

Wedding bells ring sooner for women in places where single ladies are scarce, according to a new study of metropolitan areas in America

Top imbalanced cities (USA)
The top five areas where women were scarce, with their gender ratio and median age of marriage for women, were:
Las Vegas: ratio 116, 24.5 years (Median marriage age for women)
San Diego: ratio 115, 25.9 years
Salt Lake City: ratio 113, 23.2 years
Austin, Texas: ratio 112, 26.2 years
Phoenix: ratio 111, 25 years

The top five areas where men were scarce were:
Birmingham, Ala.: ratio 88, 26.7 years (Median marriage age for women)
Memphis, Tenn.: ratio 88, 27.2 years
New Orleans: ratio 89, 27.8 years
Richmond, Va.: ratio 89, 26.3 years

A three-way tie for New York City, Philadelphia and Washington, D.C., ratio 92, where median marriage ages were 28.3, 27.9 and 27.8, respectively.


September 11, 2010

When, exactly, are you supposed to reveal the size of your debt during the courtship?


How Debt Can Destroy a Budding Relationship


Nobody likes unpleasant surprises, but when Allison Brooke Eastman's fiancé found out four months ago just how high her student loan debt was, he had a particularly strong reaction: he broke off the engagement within three days.


Ms. Eastman said she had told him early on in their relationship that she had over $100,000 of debt. But, she said, even she didn't know what the true balance was; like a car buyer who focuses on only the monthly payment, she wrote 12 checks a year for about $1,100 each, the minimum possible. She didn't focus on the bottom line, she said, because it was so profoundly depressing.

But as the couple got closer to their wedding day, she took out all the paperwork and it became clear that her total debt was actually about $170,000. "He accused me of lying," said Ms. Eastman, 31, a San Francisco X-ray technician and part-time photographer who had run up much of the balance studying for a bachelor's degree in photography. "But if I was lying, I was lying to myself, not to him. I didn't really want to know the full amount."

At a time when even people with no graduate degrees, like Ms. Eastman, often end up six figures in the hole and people getting married for the second time have loads of debt from their earlier lives, it should come as no surprise that debt can bust up engagements. Even when couples disclose their debt in detail, it poses a series of challenges.

When, exactly, are you supposed to reveal a debt of this size during the courtship? Earlier than you'd disclose, say, a chronic illness?

Even if disclosure doesn't render you unmarriageable, tricky questions linger. If one person brings a huge debt to a relationship, who is ultimately responsible for making good on the obligation? And if it's $170,000, isn't the more solvent partner going to resent that debt over time no matter how early the disclosure comes? After all, it will profoundly affect every financial decision, from buying a home to how many children to have.

These were the questions that weighed on Kerrie Tidwell. A third-year student at the Medical College of Georgia and an aspiring emergency room doctor, she doesn't worry so much about her ability to pay back her loans.

Ms. Tidwell, 26, is involved in a serious relationship with Stefan Kogler, an architect who is a native of Austria and living in Vienna. To Europeans, who often pay little or nothing toward their university studies, the idea of going deeply into debt to get educated is, well, foreign.

Ms. Tidwell feels no guilt about the $250,000 in debt she will probably run up, including some from a master's degree program she completed in London, where she and Mr. Kogler met. "I didn't acquire it because I go out and shop a lot," she said. "It's because I'm doing something that I'll love for the rest of my life."

Still, if she and Mr. Kogler are going to move in together and get engaged, she wants their financial arrangements to be clear and fair. But how do you define fair when you're bringing a quarter of a million dollars in debt to a relationship?

Mr. Kogler, 30, said he's not so worried about it. "In the long run, it will equal out," he said. "In the short run, you have to support each other, and I will support her as much as I can."

His stoicism is admirable. It's all the more so, given that if he moves to the United States permanently, he'll probably lose the chance to run his family's business in Austria. Supporting Ms. Tidwell as she begins to pay back her loans also means he doesn't have the freedom to, say, make a career change that involves a big pay cut. "I know he has his own dreams, and they will require money," Ms. Tidwell said. "Will my debt take away from that?"

Lisa J. B. Peterson, a financial planner with Lantern Financial in Boston, specializes in counseling young couples and has heard this story before. About half the people she sees are both bringing significant debt to the relationship, and about a quarter of the others have one person who has a pile of student loans.

When I told her about Ms. Tidwell and Mr. Kogler, one of her first suggestions was for them to make sure that Mr. Kogler did not have to make all the compromises when they prepared a joint household budget. "They can make some kind of sacrifice so that a goal of his is achieved, too," she said.

Then there's the question of how to plan for the unknowns. "What would happen if I got hurt and couldn't practice or got sued for malpractice?" Ms. Tidwell asked.

While insurance (which is itself expensive, alas) can reduce this anxiety, it can't cover the desire to stay home with children. Ms. Tidwell is resolute about having children and working full time, but Sheila G. Riesel, a matrimonial lawyer and partner with Blank Rome in Manhattan, said Ms. Tidwell ought to consider potential extreme circumstances as well. "It could happen that she wants to be a stay-at-home spouse for a while. What if she has triplets?" Ms. Riesel asked. "All of this is worthy of discussion."

The problem is, most couples never get this far in the premarriage money talks. One advantage to prenuptial agreements is that they force the issue, even if it does turn the talks into a negotiation. "At least half the time, people are shocked at what the other person's attitude is," said Susan Reach Winters, a matrimonial lawyer with Budd Larner in Short Hills, N.J. "You ask how they'd handle it if someone wanted to stay home after having a baby, and at the same time they give completely different answers."

Legally, it is likely that any leftover debt that Ms. Tidwell brought to a marriage would remain hers alone after a divorce. But Ms. Reach Winters said that if she were representing someone like Ms. Tidwell's boyfriend in a divorce, she would argue that he deserved a sort of refund for everything he paid toward household expenses even if Ms. Tidwell were making the loan payments out of her salary alone. Whether a state's laws back up this argument may be beside the point; any lawyer can use it as a battering ram in settlement negotiations.

Ms. Riesel also said couples needed to be wary of states like New York, where an advanced degree acquired during the marriage, and the earning power it brings, are treated as assets to be divided.

While Ms. Tidwell seems resolute about cordoning off her debt and paying it off with money she alone earns, she and anyone like her probably ought to codify that intent in a legal agreement, even at the point they decide to move in with someone. And this only gets more complicated (and the agreements more crucial) in second marriages, where people may come to the relationship with assets, sole responsibility for a mortgage and a couple of college tuitions. Better to write it all down, no matter how clear the laws may be in your state.

In some ways, Mr. Kogler has it easy. There aren't a lot of unemployed doctors. So he and Ms. Tidwell should be able to pay back her loans (albeit over 20 or 30 years) as long as they live relatively modestly. He might feel differently if he were dating a lawyer with similar debt but less certain prospects, or an X-ray technician who would really like to be a photographer.

Still, all of this raises the question: At what point do you have a moral obligation to disclose your indebtedness during courtship? On the eighth date? When you get to third base? In your eHarmony online dating profile?

"It's a sliding scale," said Ms. Riesel, the Manhattan lawyer. "It depends on the person and the nature of the relationship." Ms. Winters, the Short Hills divorce lawyer, said it might depend on your definition of a serious relationship. "But I wouldn't wait until you were signing leases for apartments or picking out engagement rings."

Ms. Eastman in San Francisco says she knows that now. "What would I have done differently, besides bringing a copy of my credit report on the first date?" she said, with a rueful chuckle. "I would have been more responsible."

And while she hasn't dated anyone seriously enough in recent months to get to the point of disclosure, she says it's probably necessary by the eighth or 10th date. "I know that now," she said. "But it had never occurred to me that this is something that might end up being a deal-breaker."

<by Ron Lieber>

September 9, 2010

Places to Meet New Guys

10 Places to Meet New Guys

Are you and your friends sick and tired of looking for places to meet new guys? They are out there, but you need to break out old the old routine and start looking where they are and not where you are. I am sure if they knew you were there, they would be too. But since they don't it is time to expand your horizons when you are looking for that special someone.
Before I jump into some ideas for you girls to meet new guys lets lay out some common knowledge facts. I am not trying to insult you, just trying to apply some logic. If you hate sports, don't try to meet a new guy at a bar next to the ballpark. If you don't like to drink alcohol, don't try to meet new guys at a bar or tavern. If you are into champagne and caviar, don't try to meet guys at the Auto parts store. Enough said, you get the idea. I will provide you with some ideas to get you started meeting new guys, but you have to decide if it is right for you.
10 Spots to Meet New Guys
1. The Home Improvement Store: It is a big place and there are lots of guys there that feel comfortable in that environment. It is easy to meet new guys here because it is easy for them to be themselves. Strike up a conversation or ask him a question regarding something around your house or apartment. Don't be too obvious, maybe a question about hanging a picture.
2. The local Sports Bar and Restaurant: A good time to go there is on game night. The place should be crowded with lots of new guys to meet that are watching the game on the televisions. They will be in their own element and would be more than happy to tell you about the game if you ask. Asking questions is always a good way to get him talking and meet new guys.
3. The Gym or Health Club: The Health Club can be a great place to meet new guys. At most health clubs there are usually more guys there than girls, which can give you better selection and less competition. Look out for the guy that thinks he is the gift to all women, there is usually one or two of these. There are still many other new guys to meet at the gym. Once again a great way to start a conversation is to ask him a question. It could be about adjusting a machine or "am I doing this right" as it pertains to certain exercise. Guys love to share (or show off) their knowledge at the gym. The worst thing that could happen here is that you get in better shape.
4. The animal shelter or the Super Size Pet Store: When you meet new guys that come to pick out a pet by themselves it is a pretty good chance that he is single otherwise he would have his significant other with him. (not a sure sign, but pretty good) If you are not animal lover forget it, but if you love animals this can be a good place to meet new guys. You both already have something in common and emotions are often on the surface when looking at a cute little puppy or kitten.
5. If you like the Outdoors Type of Guy: Look for hiking trails in your area, they don't have to be extreme sports type when you are looking to meet new guys. They could be something as simple as a hike through the local forest preserve, state park or nature center.
6. The Local Coffee Shop or Starbucks: Meeting new guys at a local coffee shop can be easy because of the relaxed atmosphere. This is a very easy place to start a casual conversation. Like, how do you like the (his drink), I have considered trying that one. Take it from there.
7. How about the Laundromat: This is a great place to meet new guys and the bonus is that you know they are particular about having clean clothes. There is not to much to be said about the laundromat, but if he is here doing his laundry, he is probably single and he will be there for a little while. At least long enough to start a conversation or until the cycle is over.
8. What about a class at a Community Center or Community College: This is actually an easy place to meet new guys. When the class runs over the course of 6 to 8 weeks like many do, you can get to know him a little better before the next step. Most of these type of classes will have a break halfway through and everybody has a chance to mingle.
9. Recreational Co-Ed Sport: Many communities have recreational types of sports leagues that are a great place to meet new guys. One that is gaining popularity that comes to mind is volleyball. They usually play one night a week and some of them actually havesingles and couples leagues. Check it out at your local Rec Center. Bring a friend and have some fun.
10. Last, but certainly not least, Online Dating: This is not for everyone, but you can meet new guys and get to know them a little better before moving forward. For obvious reasons you need to be cautious, but there are many online dating sites that will cater to your demographics and preferences.
There you go, there are many more if you think about it. When you say that you want to meet new guys explore some of the above options. Here a re a couple of Old School bonus ones: Grocery Store, Bowling Alley, Car Dealer, Local Diner, and Hardware Store. I told you it was Old School.
The amazing thing is that you never know where you might meet new guys, it can happen in the strangest places and under the weirdest circumstances. Just ask some of the married couples that you know how they first met.
Happy Hunting.
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