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annandatje

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Posts posted by annandatje

  1. Is it typical for life insurance companies to send someone to your home to do a physical?

     

    Yes.  In mid 1990s husband and I each purchased a $250,000 on our lives.  A nurse stopped by our house to perform a physical.

     

    Two years ago, husband purchased a larger life insurance policy.  Nurse performed a more detailed physical of the insured in our home.

     

    No physical was required for my two basic employer-provided life insurance policies.

  2. I had a meeting at the Board of Education today with the Ass't Superintendent. My oldest is in public school and that was part of our discussion. The Ass't Superintendent is also the person who oversees homeschool applications and such so the topic came up. I mentioned that I homeschooled our other two girls and she immediately stopped me and told me that I wasn't a real homeschool parent. She said that our county only has ONE homeschool parent and that the parent turned in a copy of her teaching certificate, lesson plans and other necessary paperwork. She stated that since we operate under a church cover school then the church school is the educational system even though we present the subjects at our home. (We are under a church cover, but they have no involvement). ...  Any suggestions for a polite way to correct this when it comes up? Or should I just pass the bean dip? (Did I mention that she is also my mother's supervisor?)

     

    Ignore it. 

     

    Technically she may be correct depending upon your state's codes. 

     

    In my state, if you are registered with a "cover" school, you are considered a private schooler.  Only those who independently homeschool and register with the local school authority are considered homeschoolers.

    • Like 3
  3. ...went to the bathroom in your home, and you're pretty sure he did NOT wash his hand afterwards.

     

    Scenario: Boyfriend uses the bathroom on the main floor and there are a number of people in the general vicinity. He's in there for a good amount of time, so it's clear he's not just peeing. Plus, it's stinky after, so, you know...

     

    Anyway, between the time he flushes and emerges, it's literally moments. Sink hasn't been turned on because there's no sound of water, and you can ALWAYS hear the water running in this particular sink.

     

    He comes out having just zipped up his pants. Literally.

     

    There is a group of people over for dinner. There will be hand-shaking, hugs, and the sharing of communal utensils, like serving spoons, etc. when food is passed around.

     

    Would you say something to him privately? What would you say?

     

    Would you say something to DD? What would you say?

     

    Would you just hope that nobody gets e.coli?

     

    Boyfriend is a nice enough guy, DD is smitten, and you've got the reputation for being friendly, but not overly effusive. IOW, boyfriend feels relatively at ease around you and your family, but he doesn't feel that you're HIS family.

     

    WWYD?

     

    I would assume that he did not get feces on his hands.

     

     

    • Like 2
  4. Long, long story very short--a dance studio owner has taken several hundred thousand dollars that was paid for costumes and no costumes have arrived yet (recital is in 3 weeks). Would you press charges? How would you go about doing that?

     

     

    After reading through almost all the posts, I still am unclear on whether anyone has (1) contacted costume vendor/s to actually confirm whether order had been placed, and if order is in process, what is estimated date of delivery or confirmation of completed delivery and (2) has fee for venue been paid.

     

    It is quite a jump from "... no costumes have arrived yet ..." to "Would you press charges?"

     

    Without knowledge of relevant facts, the WTM board members can only speculate.

     

    The advice on parents banding together to make the recital happen was quite resourceful, especially the inexpensive costume ideas.  I agree with whomever recommended quickly locating an alternative dance school before vacant spots are filled with unhappy customers from this particular school.

    • Like 4
  5. Years ago we adopted a Rusty look-alike from a rabbit rescue in St. Louis to be a companion to our sweet little girl bunny.  Both have long since passed, but they were both cuties.  We kept them in a large utility room.  Our dogs and cats ignored them with exception of one young cat who like to enter their living area and sleep in their bed.  Just to be on safe side, we always supervised, and fortunately the cat's presence did not seem to cause them fear or anxiety.

  6. So for whatever reason, son did not ask other son to be in the wedding party.

     

    Do you think it'd be ok (or is it meddling or controlling or something negative) for me to ask dh to suggest to ds that he ask other son to read the scripture at the ceremony?

     

    I would stay out of wedding planning entirely unless asked for advice or to perform a specific task.  Without delving into detail, my decision turned out to be the right one for the situation.

    • Like 4
  7. In addition to all the other solid suggestions already given, check your homeowner's or renters insurance policy to confirm that it does cover dog damage, especially if you live in one of the statutory strict liability states. 

     

    Homeowner policies sometimes exclude breeds most likely to bite, among them GSDs, Rottweilers, Dobermans, American Staffordshire, Cana Presario.  Pretty sure I'm mangling breed names and spelling. 

     

    If your homeowner or renter insurance does not cover dog damage, you may consider a personal liability umbrella add on policy.  They're fairly inexpensive.  A one year policy probably would not cost more than the tire you had to replace. 

    • Like 4
  8. I walked 3 to 6 miles per day at an average rate of 4.2 to 4.6 mph.  Once every  month or two I walk 13.2 miles in one session. I've since cut down to 3 miles per session 3-5 times per week.  Have not tackled exercise program to address rest of body not toned and strengthened by walking; that is my next goal.  The regular walking was best done just before bedtime since it helped with falling asleep and staying asleep.

     

    I have never had the discipline to count calories or keep food and exercise diaries or follow specific diets.  A slow methodical lifestyle change designed by me was what worked for me.

     

    I slowly trained my body to mostly eat in response to hunger.  Breakfast was usually a homemade protein shake, eggs, cheese or nuts.  Lunch was a hearty spinach leaf or romaine salad with a fatty low-or-no sugar dressing, raw vegetables dipped in hummus, or dinner leftovers:  a protein and a vegetable or a hearty soup.  I did reduce sugar, bread and pasta products since they interfere with slow steady weight loss for me.   While I significantly reduced my carbohydrate intake, my diet is not low carb.  The reduced carb intake gives me more even energy level throughout day.  I only get sleepy if have not had adequate sleep the night before.

     

    I've had several episodes of backsliding and am still working on strategies to handle triggers.  My sugar addiction has been most difficult challenge for me.  When I can keep my sugar consumption down to a couple squares high quality dark chocolate a day, I still do ok with weight loss.  When I sit down to relax in evening or deal with a stressful work day, a nice hot cup of herbal peppermint tea has helped with the sugar cravings.  I completely eliminated virtually all beverages except for herbal tea and water; diet sodas seemed to ignite my sugar cravings.  I drink water only in response to thirst.

     

     

     

     

     

     

    • Like 1
  9. I wear Lands End women's active wear pants in both the regular leg and slim leg version:  http://www.landsend.com/shop/womens-activewear/-/N-fz2?No=0&Nrpp=72&setPageSize=72

     

    I also own the capris and the crops.  Most pant styles are available in regular and in control, which is a tighter fit than regular.  I prefer the regular fit.

     

    They will last longer if you hand-wash and dry on drying rack.  They hold their shape well and are flattering.

     

    I use them for fitness walking, not for yoga.

  10. Sometimes I will stay up into wee hours of morning simply because I need my privacy and solitude.  Honestly it does annoy me sometimes when my husband or young adult children amble into living room and ask me what I'm doing still up this time of night.  A few times I've been less than polite, but that does not mean that I do not love or respect them.  Transitioning into independent adulthood can be awkward for kids and parents.  I found it helpful to pretend my young adults were my roommates when dealing with certain situations.

  11. Get an attorney tomorrow morning and pay retainer with trust funds.  Hopefully you can locate attorney who has experience in fiduciary disputes.

     

    Breach of fiduciary duty, regardless of intent, can be a serious civil matter.  I assume that as trustee, you signed the loan documents to borrow against the real estate; the attorney will need the loan documents.  Do whatever you have to do to find them for your attorney. 

     

    If you get out of this situation without penalty, I do hope you resign as co-trustee. Fiduciaries can be held personally liable for misuse of funds. 

     

    I understand why you would have felt moved to be a trustee for your mother.  In a similar situation, I allowed my emotions to overrule logic and agreed to be a fiduciary for a relative.  I now deeply regret that decision due to the nasty, manipulative behavior of the beneficiary I was only trying to help.  I should have insisted she pay for the services of a corporate trustee, but I was trying to conserve her money.

  12. It all depends upon your relationship with the relatives and your viewpoint on temporary communal living. My brother-in-law lived with us for three months when he was supervising a project in our city. We did not change our daily routine at all. He kept his space neat and clean and occasionally pitched in to clean the common area. He provided evening companionship to my husband and kids. Generally I cooked dinner but it was not a guarantee. He would often pick up take out and contributed to groceries. We did not charge him to stay with us because we wanted him to save his per diem to have extra money to send to his wife and children.

     

    For certain other relatives, this setup would never have been offered.

  13. Stop blaming parents, yourself or others for his bad behavior; hold him and him only accountable for his actions. You state that he has rarely been physical which means that he responded physically to anger at least once in the past.

     

    Pregnancy only adds further stress to an already tense situation; statistically pregnant women and women who are about to leave a relationship are at highest risk for abuse.

     

    I agree with the poster who recommended a trial separation now with clearcut goals for both of you to achieve before even considering a reunion.

     

    Further I recommend that you devise a plan for financial independence for you and your children so that you have a way to provide for your family should you decide to end the relationship.

     

    How does your husband feel about the pregnancy? Does he share in your excitement? Or does he resent the pregnancy? You've told us how you feel about the pregnancy, but not how he views it.

     

    Why was your family "against the good news?" This makes me suspect that your situation is more dire than you portray, and that they were upset about another pregnancy because they had hoped you would leave an abusive or unsatisfying marriage. Hopefully they will make themselves and their homes available to you and your two children should you need them.

     

    Keep us posted. I hope your husband finds a healthy nondestructive way to deal with his anger.

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