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*anj*

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Posts posted by *anj*

  1. What about this scenario?

     

    A young couple is ready to purchase their first home.

    They could either live in Town A, where they could purchase a decent house for about $200,000. The town is okay, but not as tony as some others in the area.

    Then they see a house in Town B. It's a nicer town, a little more affluent, and the houses are nicer/bigger/more spread out. But the house that they fall in love with costs $300,000, which is out of their price range.

     

    Their parents offer to give them the difference in a down payment so that they can now afford to live in the somewhat more chichi town.

     

    This seems like a good compromise because now the couple is able to live in a town that is cuter, nicer, and has a better layout. But that town also has higher property taxes, the trash and recycling are privatized. There are also other hidden expenses like the "need" for a lawn service, installing a swimming pool or joining "the club that everyone belongs to", and when their kids start going to school the pressure to keep up with the joneses becomes problematic. Speaking of the children, the wife isn't able to stay home with them, because even with the additional funding for the down payment, their fixed cost base is higher than it would've been if they'd moved to Town A.

     

    Have the parents really helped them?

    Would it have been better for them to live in the house they could afford in the town they could afford?

    The "help" that they received from their parents gave them an artificial boost, that was unsustainable without additional parental (or other) support. In the end you have a couple in their thirties who still aren't 100% financially independent.

     

    These are the kinds of scenarios that we're talking about here. These things can happen even in families that have healthy relationships.

  2. Don't you all just love those little one liners that the characters say while singing "Into the Woods"?

     

    Lines like:

    "The closer to the family the closer to the wine."

     

    "The difference between a cow and a bean is a bean can begin an adventure!"

     

    "Slotted spoons don't hold much soup."

     

    "Sometimes the things you most wish for are not to be touched."

     

    "The prettier the flower, the farther from the path."

     

    "Opportunity is not a lengthy visitor"

     

    "You may know what you need but to get what you want better see that you keep what you have."

     

    Okay, I'll stop now. I have to go find that cd.

  3. I never got far enough down into your sig line to recognize it's origin (and up until recently, didn't "hear" the song when reading those fabulous lyrics. AND....I didn't remember that West Side Story was Sondheim (which I have seen and love) nor A Funny Thing Happened. Gad! I'm so forgetful! As for that invitation to come to NJ and hang with you and your friend Pam, "I wish..." That sounds like it's precisely the kind of evening I would love most. :D

     

    Doran

     

    "I wish..." too. That's one of my favorite ways to spend an evening as well. :cool:

  4. Well, judging from my sig line, I guess you could say I love it.

    It is probably my favorite Sondheim show, although I love Company and A Funny Thing Happened on the Way to the Forum, I think that ITW is my favorite. But don't forget Sweeney Todd, West Side Story, and Sunday in the Park with George.

     

    So hard to choose.

    But yes, please buy the soundtrack. And learn it well. And then come here to NJ and go out to dinner with my friend Pam and I. We were roommates in college and learned ITW during our junior year and can have whole conversations with lines from that libretto. We can use that and Les Miserables to tell the entire story of our lives, the tragedies and the joys.

     

    Can you tell that I love musicals?

    Even those that I haven't seen onstage I learn through the soundtracks. Love them. And Sondheim is a particular favorite.

  5. :) Thanks Holly..

     

    And I do know that you get 10 points for starting or something like that--I think.. but I'm not sure on the higher rep = gets you higher points bit. Peek is pretty high and when she leaves me posrep--It only goes up by one...

     

    So I don't know...

     

    Yes, you do get 10 points just for starting, but if you get Rep from someone who is really far up the food chain you will get 10 points. Peek is high up, but there are others who are higher, and their rep is worth more than even hers. :D

  6. Okay, so I heard from the doctor at 9:00 last night.

    She said that I have a normal uterus, normal ovaries. The ovaries are asymmetrical, but within the normal range (thanks, Pam!) No fibroids, the uterine lining is 4mm. I kept pushing her though, to help me understand why I would be having so much pain and such a heavy flow. She didn't know, but said that I should have an endometrial biopsy taken, and also a pelvic MRI to look for adenomyosis .

    So, that's something.

    I'm really not one to go running around to doctors all the time, but I think that this is abnormal and I'd like to find out if there is an actual, physical cause, you know?

  7. and I won't know anything for a few days. There weren't any doctors present to read the scan, so they'll have one call me back when they get a chance to look at it. Ho hum.

     

    I did notice something that looks kind of like a shooting star on my uterus. Do you think that's a cyst?

    Also, after the tech walked away I looked at the screen that had my name on it and it gave the measurements of my ovaries and it said that one of my ovaries is larger than the other and its volume doubles that of the first one. Has anyone ever had that?

  8. Sounds like a good book. I'd like to read it.

    While it's true that the answer to the question is fairly simple, on the other hand it's not that simple or we wouldn't have the problem in our country. It's like asking why so many people are overweight. Well, the simple answer is that too many people overeat and live a sedentary lifestyle. But there's a lot more to it than that.

     

    But I know you were teasing, OCMom. I'll be checking my library's website too! :)

  9.  

    And then there's the whole notion of, when one is given a choice, saying, "I don't care" as a substitute for "I have no preference."

     

    Yes, and the close cousin to that is "whatever."

     

    I am pretty sure I've gotten my kids out of that one. I have only heard it a couple of times (of course accompanied by the shoulder-shrug-neck-turn) and I lit into them so much that...well I think we've moved beyond it.

     

    Yikes!

    Do we, like sound like, you know, a bunch of crotchety old ladies or whatever? I don't care. tongue-wink.gif

  10. Wow, I posted that and left for the day. This thread took off!

     

    So many excellent points have been made. I agree that you can't overgeneralize in this. And yes, there are absolutely times in life when even responsible adults can benefit greatly from financial help from their parents. I don't think that this book is talking about any of the types of situations people have mentioned in this thread. I would want to help my own children in circumstances like those listed above.

     

    My sil's husband is a man-child. He lived with/off his own parents for far too long, and now he is more interested in watching his sport of choice than working hard enough to pay for his own home. And yeah, there are lots more issues, like the fact that my mil permits it, but that's quite another story....

     

    I can't wait to read this book!

    I've been getting the Dh Digest Condensed Version, but I'll have to check it out of the library when he's done with it.

  11. Dh is reading a really interesting book called The Millionaire Next Door. It's all about the ways that the truly wealthy spend money as opposed to the way that others spend it. It has a lot of really interesting points, but the one I would like to talk about today is the following. This is an excerpt from dh's email to me:

     

    his book has a very insightful chapter on the effects of "economic outpatient care" that parents provide to their adult children. Research demonstrates that the more dollars adult children receive (from their parents), the fewer dollars they accumulate, while those who are given fewer dollars accumulate more.

     

    I couldn't help but think of (his younger sister.) The authors refer to this as weakening the weak. I know my Mom has "helped" (younger sister) over the years (she also has been generous to us), but the net effect has been that she has subsidized (Sis) to such an extent that she is nearly 40 years old and as financially dependent as ever. I think letting her and (her husband) live in (mil's house that she doesn't live in) for lo these many years has been much more a curse than a blessing because it has enabled (Sis' dh) to live off the sweat of someone else's brow.

     

    If (Sis) is not able to turn her finances around, the predictable pattern is that whatever inheritance she receives from my Mother will be squandered within 3 years.

     

    What do you think about this? Can parents be too helpful to their adult children in the financial realm? Do you think that his argument has merit?

  12. Ooops, my apologies. I didn't read the whole thread and didn't know you were undergoing testing for a potential problem. I thought we were just kidding around about menstral brain fogs, and was trying to interject my own brand of humor...

     

    Hope all goes well with your tests, and that you're feeling better soon.

    No problema, Robin. I could tell you were responding to the beginning of the thread. I appreciate your humor.

    Thanks!

    --a

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