I can't speak for the States, but up in Canada ONE claim generally won't raise your rates, especially if it's an act of God situation. However, a second claim within three years of the first will generally get you dropped and transferred to a high-risk market. A second claim within six years will generally lead to an increased premium. After 6 years, there generally aren't any issues. That's just a general guideline/average for different companies, though it varies a LOT.

We watched. We've always appreciated their music, but I wouldn't say we were fans. I found the concert a little surreal, not in a bad way, but just... to know so clearly that someone is saying goodbye. I think he took his kids on this final tour with him; if I had spent my life dedicated to my art like that. I might make a similar choice with my final months. To spend time with my children during the days, and in the evenings to share my art with as many people as possible. I don't think that's a bad thing for his kids to see, either. Dad loves us AND he's spent his life making art he also loves. I think that's pretty valuable.

Agreeing with the others, you should follow your lawyer's advice.

In my general circle, low-mid 20s is common. When I was getting married, most of my friend got married the summer before or after I did, so 19-21. In general the speed of the shift has been quite remarkable; in less than 15 years that average marrying age in our circles has gone up by probably 4 years.

To be fair he's 31, which in this sport probably means he didn't have another Olympics left in him anyway. For his personal "brand," it might actually be GOOD publicity to be kicked out like that. Nothing's going to kickstart a reboot of a "privileged idiot party animal" type reality show than a scandal like this. :/ Not saying I disagree with the idea of banning him, I'm just saying it may not be the end of his public lifestyle the way we might hope.

Can anyone link to articles about what the swimmers are saying today? It's not getting any coverage on the news up here (for which I should probably be grateful instead of looking for info, lol), and all the articles I'm finding are just about the guys getting pulled off the plane, not anyone admitting to lying.

From what I can see, the main evidence Brazil has that they're lying is that... - they said their wallets were stolen but some of them seem to have black objects in their hands in the videos where they arrive back at their lodgings. Could be cell phones, but one or two of them have two black rectangular objects. - they said it happened in a cab that they got in at a gas station near the party they were at, but the video from the nearest gas station doesn't show them or a cab. - they looked too happy/relaxed when they reach their destination. Not saying I agree with all the evidence, just laying out the key bits for those who can't comb through the articles.

Waiting patiently... who am I kidding, WAITING VERY IMPATIENTLY! :willy_nilly:

Please DON'T threaten to take away that time with you and your DH. The fact that she loves this one on one time so much says a lot, and trying to improve a relationship with a child by threatening to take it away... well, it would lead to disaster. If anything, she needs more of that time, not. I know that's incredibly difficult to do in a large family, but at least don't do LESS. She is already struggling with admitting fault, and saying, "If you don't act like we want you to, we'll take away the only thing you care about and make it feel like we don't care about you any more" is NOT going to make her more likely to admit when she did something wrong; quite the opposite. I have no idea what to do instead. Not particularly helpful, I know. ;) But please, PLEASE do not threaten to take away the time you and your DH spend with her. That ends badly for both her and you.

Just wanted to wish your friend luck over the next few days. I hope she finds some peace with what she learns, regardless of how she reaches that peace.

I think while obviously it's not different physically, it's certainly a different experience. Spending all day surrounded by other kids also going through puberty is going to be a very different experience than spending your days with your family unit. I don't necessarily think one is inherently better than that other, that will vary greatly depending on the family and the child's personality, etc, but I do think it would be very different.

Why would he need to know the name and address of the hotel she is staying at in order to keep an eye on her house while she is away?

Not at all! I'm posting while trying to make dinner and wrangle kids, so the misunderstanding was probably on my end. I just feel bad for the OP's friend. I've had those suspicions. In my case I was wrong. I was very happy to be wrong. I was also very glad that I knew the truth, for sure. Has I NOT been wrong, I would have been relieved to have objective evidence, whether it matter in court or not, and it would have been useful to know about his actions without tipping my hand by confronting him too early; it would have given me time to get my financial ducks in a row and be in a solid place to file for divorce (and favourable custody arrangements). If he had been cheating and I confronted him right away, he might have filed first and from a position of power. That's a long-term, worst-case scenario view, but it happens to many women and it does no harm to be thorough, objective, and prepared. As it was, for our marriage, the fact that I suspected something and was proven wrong became a catalyst for finding a LOT of deep-rooted problems in our relationship, actively recognizing and addressing those issues, and working through them together. While he wasn't having an affair, there were valid reasons for my mistrust that needed to be addressed, and valid reasons for him to be unhappy in our marriage. It was tough for both of us, but working through those problems was worth it. Sorry if that's a hijack, OP. I just identify a little TOO strongly with this one. It might be wise for me to back away since I see so much of myself in this. My advice to your friends: get objective answers. Brace yourself for the truth, whatever it may be. Be deliberate and methodical in what you do with the information you are given, whether is be counselling, divorce, self-help, etc. Don't let either your emotions or your husband provoke you to unwise actions. Sleep on it before making any life-changing decisions.

Discussing and talking through issues is great in a healthy, normal relationship. If this husband is cheating, he's already lying. He's tried to blame the wife in the past by accusing her of having an affair. He's deleting text messages from other women. There is a HIGH chance that in a conversation here, he will find some way to not only lie through his teeth about what is happening, but blame her for the whole mess and leave her feeling guiltier than ever. An objective third party can cut through the possible emotional manipulation and abuse and get to real answers.

The wife is sounding more and more like someone who's been consistently told she's silly, overreacting, etc. I would be very concerned for my friend if she saw a text from her DH that is CLEARLY suspect, and somehow felt guilty for having any suspicions. That sounds like the behavior of someone who has spent a very long time being blamed and made to feel guilty for things that are not her fault. I would talk to friend and try to support her in getting to the truth, and try to help her see that she is NOT overreacting and that she has no reason to feel guilt. Because the wife is questioning herself already, and she hasn't done anything yet to find out the truth, I think her own efforts to find out the truth may not be the wisest idea. She's already willing to mistrust herself and her own conclusions, and she's already hoping that DH will present her with an explanation, ANY explanation, whether or not it's the truth. The more I hear, the more I think a PI is the way to go for her. It will be worth the money to have an objective third party tell her the truth she needs to hear; she won't have to debate if maybe what she saw/heard meant something other than the obvious, and if the truth is innocuous, she won't have to wonder if maybe she missed something. It's expensive but I think given how much she's already doubting herself, it's the only way she'll get answers she can trust. Plus, a PI can get a lot more accurate info than a wife who will be recognized by both the spouses and co-workers.

Is there any way for her to observe lunch and work hours? If the hotel is close to work, a lunch break meet-up, or taking off early, etc, might also be something that would be a possibility.

The hotel details don't fit, though. If someone else were sending info on a conference or something, why would they list a specific hotel along with hours (especially hours that don't normally coincide with check-in/out hours)? If it IS something like that, I suspect the wife would now soon anyway. I mean, if my husband were planning to go to a conference/show, etc, he would tell me. If he hasn't mentioned anything yet with those dates, SOMETHING is being hidden.

I would want to know, not necessarily so that I could leave, but so that I could make an informed decision. Even after reading through the thread, I can understand why some people wouldn't want to know, but it still makes me... not angry, I guess, but sad? Not because I think people who don't want to know are making a bad choice, but just because it's a cold, harsh fact of life. Sometimes, there are no good options when presented with horrible news like that, and it would make life easier for everyone to just not know and ignore the issue and go along with life as usual. The fact is that sometimes standing up for yourself is more trouble than it's worth. I think at the heart of it, that's why people who want to know rail against the thought of not knowing. Because it sucks to have to think about a reality that unfair. We want to think that if only we had all the info, we could make some decisions that end in honesty and clarity and happiness, however the path may wind to get there; being disabused of that notion by reality stinks.

I'm actually glad she's suspicious. The fact that she was trying to explain it as arranging pet-sitting made me think she was unwilling to consider the possibility it might be cheating. The fact that he deleted the text makes it so much worse. I would support her in being realistic about what she should expect to find. :(

I would check in to the cost of hiring a PI on those two days. Alternatively, I would put some form of discreet GPS tracking in his vehicle. I would be encourage her to be realistic about this. Deleted texts about hours at a hotel room do not come from arrangements for pet-sitting.

Turns out it's the daily deal on Amazon Canada, too... for the same price! With the exchange that's even cheaper! I was shocked... but I finally got one for myself! That's even cheaper than the last Black Friday sale.

TY for the advice! I'll bring copies of their paperwork just in case, but hopefully they won't be needed. I wonder how DAS and rideswap work with each other; coming back at a later time AND changing parents over? Hopefully that wouldn't cause any issues. As for planning specific things based on what the kids want... not really a possibility, the trip is a total surprise for them. They won't find out where we're going until the realize the plane is headed to Orlando! But we've been to amusement parks with them before and have a good idea of what they'll be interested (and uninterested) in.

Does anyone know if there's a Universal equivalent to touringplans? It looks like that's Disney only... we're only spending 3 days at Universal compared to 8 at Disney, but I'd love anything that can help us out there as well.

I don't think it's wrong to feel envious... it's normal! You've been supporting him at the expense of your own time and money, and as your reward, he gets to enjoy something that you don't. There's nothing wrong with that at all. While it's not a pleasant feeling, I think it's not only normal but appropriate. And what you're doing right now is exactly what you should be doing: looking deeper in to it to find out what the root cause of that feeling is, and trying to come up with solutions to remedy the problem. I know that's nor particularly HELPFUL to hear, lol, but I just want to make sure you know that what you're feeling isn't wrong, it's totally normal and even healthy. I don't really have any helpful advice for you, though I wish I did. I think what any one person find fulfilling will be vastly different from another person's fulfillment. All I can say is that you might want to try a bunch of things, even things that at first glance you would write off. I've tried things I thought I would find boring or even obnoxious because I was forced into it by my husband or friends, and was surprised to find that I liked them. Try to keep an open mind. Even if you find you were right about something and you don't enjoy it, at least you'll have tried and and you'll have some new and interesting memories.

I am just so darn happy for you. I know how long you've wanted this for and how tough it was to patiently wait for your husband to come around to the idea, and to hear everything going well and your kids being so happy... I just feel like even through the internet you're radiating joy right now. I grin every time I open one of your posts about this baby!