Showing posts with label money. Show all posts
Showing posts with label money. 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 18, 2012

The Best Place to Retire Overseas on a Budget

By Kathleen Peddicord

If an affordable cost of living is your priority in choosing where to retire, take a look at Cuenca, Ecuador. This city is one of the world's best places to retire overseas on a budget.
Cuenca is a beautiful colonial city in an interesting and diverse country. The health care is high quality, honest, and inexpensive. The climate is spring-like and pleasant 12 months of the year. And Cuenca's large and growing expat community is one of Latin America's most diverse and well-blended. 
There are other colonial cities in Ecuador, but Cuenca is the cultural heart of the country. In this center of art and literature, you can attend the orchestra, a play, a tango show, or an art opening, and these activities are usually free.
Cuenca is also a popular destination for international tourists and language students, offering many super-affordable options to study Spanish. The tourists and students bring vitality to the city and help support Cuenca's developed infrastructure for amenities and services.
However, perhaps the biggest draw to Cuenca is its cost of living, which is extremely low, especially considering the quality of life that you find here. The falling dollar has caused prices to go up sharply for overseas retirees whose retirement incomes are denominated in U.S. dollars, but who are living in places where goods are priced in the local currency. But this exchange-rate concern does not exist in Cuenca, because Ecuador uses the U.S. dollar.
The $1 fixed-price lunch is still alive and well in Cuenca (although $2.50 is more common), and the city is awash with fresh tropical fruits and vegetables for pennies on the dollar. Fresh fish and shrimp arrive daily from the coast, and much of the local poultry is free-range. A bus trip through the city is a quarter, taxis start at about $1.50, and gas is only $1.48 per gallon.
You could rent a furnished apartment for as little as $400 per month, an unfurnished apartment from $300 per month, or buy a small condo outright for less than $40,000. Thanks to the comfortable year-round climate in Cuenca, you won't have to worry about heat or air conditioning, which is another important reason why retirement in this city is as affordable as it is.
Cuenca is very walkable and boasts an excellent public transit system, as does all of Ecuador. You could live easily without a car, which shaves even more costs from your monthly budget.
All that said, Cuenca is not the most affordable place to live in Ecuador. In small towns like Cotacachi or Vilcabamba, you could retire on an even more modest budget of as little as $650 or $700 a month. But the cost of living isn't the only factor you should consider when choosing a retirement spot. You want to balance the cost of your retirement against the quality of retirement life you'll be able to enjoy. Part of the reason the overall cost of living in places like Cotacachi is so low is because there's simply not much to do, meaning there's not much to spend money on. You could live quite frugally in Cotacachi, but also very simply.
Cuenca, on the other hand, is a fully developed city, where you could enjoy a rich and full life. To be able to enjoy all that the city has to offer, plan on a budget of $1,500 a month per couple if you're renting and $1,100 per month if you own your home. You could certainly live here for less, but these estimates will allow you to make the most of your new life in Cuenca.
Kathleen Peddicord is the founder of the Live and Invest Overseas publishing group. With more than 25 years experience covering this beat, Kathleen reports daily on current opportunities for living, retiring, and investing overseas in her free e-letter. Her book, How To Retire Overseas--Everything You Need To Know To Live Well Abroad For Less, was recently released by Penguin Books.

November 28, 2011

How to find tax money you didn’t know you lost


Pop quiz: what is the largest single expense you'll have over your lifetime? If you're thinking it's your home, your car, or your kids, you'd be wrong.  It's your tax bill.
Indulge us for a moment and think back to the year 1999…did you immediately think of your hair?  Yup, like you, we too were growing out "The Rachel". You were also most likely rushing home from work to watch "Who wants to be a millionaire", and dancing to the tune of Ricky Martin's "Livin' La Vida Loca", all while you basked in the glory of an overvalued tech portfolio. Life was good.
But wait! Who could forget when the Federal Department of National Revenue created the Canada Revenue Agency (CRA) - you do remember that one, right? Okay, probably a long shot, but why is that so important?
More than just a name change
According to Alan Rowell, President of The Accounting Place, although the change by itself may have appeared to be "no big deal", the effect on the Canadian taxpayer has been huge. Alan advises that being an agency as opposed to a government department means that CRA is not responsible to ensure that the correct amount of tax is paid; rather, they are responsible to ensure that at least the correct amount of tax has been paid within the legislative framework. You see where we're going with this?
Alan explains that there was a time when you might get help from the taxman, but that was when they were a government department and perhaps felt more loyalty to their "employer"- you the taxpayer. Now, they are a government agency; this means, you're on your own, folks!
Evidently, there is so much more to the name change - from Revenue Canada to Canada Revenue Agency - than meets the eye.
What you may not know about CRA
We have a self-assessing income tax system, says Alan, and herein lies the problem. What this means is that as long as you report all of your income and don't break any rules, it's correct as far as CRA is concerned; you get your notice of assessment back (and maybe even a refund), and cha-ching, you're running straight to the bank. Unfortunately, just because you received a clean assessment doesn't mean that the return was completed so that you paid the least amount of tax possible; you see, CRA is not obligated to tell you when you overpaid.
As Alan Rowell explains further, if you overpay in the current year, you will then likely keep overpaying year after year.  Perhaps more frightening, like many Canadians, you may have been over-paying for years. And here's why…
Not all tax preparation is created equal
Alan explains it like this: as a taxpayer, there are many legal ways for you to file a tax return. You can use a pencil and paper, or you can use the latest version of the tax software available at your nearest electronics store - and while the return may be "technically" correct, only one way will result in your lowest tax bill.
A CRA revelation
Indeed, according to Evelyn Jacks, Founder and President of The Knowledge Bureau and Canada's most trusted voice on tax matters, the secret you may not know is this: you can go back up to 10 years, in most cases, and adjust tax returns wherein you may have missed something.  And this might just mean your lowest tax bill ever — and ongoing. "If you've missed the disability amounts, for example, which in real dollars could be just under $2,000 per year over 10 years, well that's a big cheque," she says.
A  golden opportunity?
So now that you know the secret, what should you do? The best place to start, says Alan, is to gather up the last 10 years' tax returns and engage in what he calls a "tax recovery audit." This may also be referred to as a post-tax review, says Evelyn.  Review your life milestones over the past 10 years with your professional tax advisor - such things as your employment, investment, and health history - to uncover areas you may have missed. According to Evelyn, the most commonly missed items include your safety deposit box, medical expenses, disability amounts, capital losses from your investments, even carry-forwards from your tuition. Another item not to be overlooked, says Alan, is wasted deductions. In many cases, deductions and credits are elective and you can choose not to claim them and instead carry them forward to future years when it is more optimal for you.
Once completed, you can then work with your tax advisor to make the necessary adjustments. If you know what you've missed, you can write CRA a letter, attach supporting documentation, and ask them to adjust your returns; or download the form T1-ADJ from the CRA website.
In cash we trust
The benefits of engaging in a tax recovery audit are two-fold; firstly, it repatriates your hard earned money from the government coffers and puts it back into your bank account where it rightfully belongs (you earned it, right?)And secondly, it helps establish a strong foundation with your advisors, thus ensuring a tax-efficient plan going forward wherein you pay only the tax that you are legally obligated to pay and not a penny more.
And in these challenging economic times, we're all for those extra pennies. In a world of rising prices, tighter budgets, heavier debt loads, and volatile stock markets, being vigilant on your tax return is one of the best places to find hidden value and further your long-term wealth creation. In many cases, you'll find money that until today, you didn't even know you lost!
GoldenGirlFinance.ca is a free personal finance and education site for women.
Nothing contained herein is intended to provide personalized financial, legal or tax advice. Before implementing any financial strategy, you should obtain information and advice from your financial, legal and/or tax advisers who are fully aware of your individual circumstances.
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