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financial-planning-audit-reportingMost women are really good about getting their annual checkups. We don’t necessarily enjoy the process, but we understand that it has to be done. With my family medical history, I am even more neurotic about staying on top of my health. In addition to my physical health, I make sure I do an annual check-up, or audit, of my financial situation. Of course I stay on top of it regularly, but I like to step up the critiquing process at the end of the year.  When I was married, this was something the ex and I would do annually.  Now that I am “single”. or not married, I feel it is even more critical that I take time each year to make sure that my children and I are covered.  During my audit, I like to meet with, or chat with my financial advisor, insurance professional, attorney, etc. Basically I like to make sure all of my ducks are in a row, particularly if a “life event” occurred that year.

During this year’s audit, I was given the advice to get an insurance policy on the ex-hubs.  I must have given my advisor an odd look because he felt compelled to elaborate.  He told me a story; you know how attorneys and insurance folks love to tell you stories!  Heck, he may have made this up as he was going!  He told me a story of a single mom with a couple of children (convenient…she is like me!:).  The ex worked sporadically and the mother was not really sure how much the ex made.  The mother did know that the children were cared for while in the father’s care though, and that the new wife was the primary financial provider in their family.  My advisor went on to say that if that man dies, the mother would then carry the full financial responsibility of caring for the children until they were adults.  Much like if the couple was still married, right?  Right.  Whether married or divorced, you share the financial responsibility of caring for shared children.  ”So if you have a policy on a spouse, why wouldn’t you on the parent of your children?”, he asked.  I couldn’t argue with that logic.

So, I followed the advice of my trusted professional and applied for a policy.  If you consider this for your situation, I encourage you to reach out to Petersen International.  Their customer service is top-notch and they can even write a policy without the involvement of your ex (in case they don’t want to, can not, or choose not to participate).  When you talk to your trusted advisors, be sure to discuss how to set up the beneficiary; you may decide that a trust as the beneficiary is right for your situation.

*I am not an insurance professional, tax advisor, attorney or the like.  This is simply my story.  This is not an attempt to sell anything and I am not a rep for, or being compensated by PI!

I really try to make an effort everyday, not just around the holidays, to be thankful.  More importantly, I try to make sure that those around me know how thankful and grateful I am for them.  However, it is “that time of year” so I want to formally document my gratitude for people and things that may or may not get taken for granted.  My first honoree might surprise some folks:

My Ex-Husband.

Don’t get the wrong idea.  I am not going soft or getting sentimental.  After all, I have a rep to protect.  Although the ex and I try to keep the high-road most of the time, we do have our moments.

For all the things that can drive me batty about the ex, I am thankful that I met him back in 1997.  I firmly believe everything happens for a reason.  I am grateful for the 12 years we had together and the things we did and places we saw and lived during that time.  If I had not met him so many years ago, I would not be the person I am today (whether he likes that person any more or not:).  I am thankful for the opportunities that were presented to us as we started a business together and grew that business for almost a decade together.  I am thankful he has the time to be available to the boys when I can not.  The most important thing I am thankful for, is that he wants to be the best dad ever, and he gives it hell.  Our boys are very lucky indeed.

When the ex-hubs and I hooked up, we figured that we at least knew how “not” to be married. Between the two of us, our parents had 11 marriages on the books. The ex and I, in our infinite wisdom of 21 and 25, thought we had been given some good examples of what not to do. Fortunately though, we had also witnessed some pretty great marriages as well. Each of us had a set of grandparents that inspired us. In addition, my father and step-mom were a constant reminder of what I wanted in a relationship. These folks didn’t have it any easier than those that called it quits. I was not privy to the intimate conversations and happenings in each relationship, but I do know they were not always rainbows and fishnets.

Sometime in April, I took the boys to a local Easter egg hunt. It was annual community event organized by a local farm. That being said, with only two degrees of separation in the area, I was bound to run into someone I knew. Oh should I say, someone that “knew me”. As the boys and I were running around looking for eggs, they noticed the boy that lives next door to their dad’s house. They spend a lot of time outside playing with said boy so they scream the boy’s name to get his attention. The three boys begin discussing their recent hunt and shared their winnings. While the boys are beaming with pride over every egg they crack, I get to meet the neighbor boy’s dad.

I offered my name and explained my relationship to the boys/their dad/this guy’s neighbor. He has seen me enough during drop-off or pick-up at his neighbor’s at this point; he should have a general idea of my role. However, niceties are expected. As the neighbor dad and I follow the boys and get acquainted, he quickly asked if I have remarried since my divorce. Then he realized we are only about 5 words into our very first conversation and he stops. He looked at me quickly and shyly and mutters something like that is really none of his business. I confirm his suspicion, and tell him in fact it is not his business, then add that I have not remarried.

What is the big deal about getting or being married? Does being divorced or unmarried at a certain age make a person less desirable? Further more, why are some divorced folks in such a rush to remarry when they find a new partner? When you meet one of these aliens do you assume the reason they are not married is because they are somehow defective? I have friends that have chosen not to have children. I now understand their complaints about people that look at them like something is wrong with them for “not wanting” kids. The same thing holds true for those that choose to not marry or remarry.

My mother had four wedding albums when she died. Her last 15 years were spent with a devoted partner that loved her unconditionally, whom I call my step-father. They never married. To the surprise of many, they did not spontaneously combust either.

The problem I have with marriage is that it has become a religious thing. Until 1686, marriage was strictly a civil and not an ecclesiastical ceremony for the Puritans in Massachusetts Bay. The Protestant Reformation of the 16th century rejected the prevailing concept of marriage along with many other Catholic doctrines. Martin Luther declared marriage to be “a worldly thing . . . that belongs to the realm of government”, and a similar opinion was expressed by Calvin. The English Puritans in the 17th century even passed an Act of Parliament asserting “marriage to be no sacrament” and soon thereafter made marriage purely secular. It was no longer to be performed by a minister, but by a justice of the peace. You know, that whole separation of Church and State thing.

That being said, I am about to speak out of the other side of my mouth. I love the idea of marriage. When I got married, I loved the idea that I will spend the rest of my life with that man. I will grown old with him and watch my children have children. We will share secrets and inside jokes. That which does not kill us will make us stronger. You know what I’m talking about. What I realized, during the decay and end of my marriage almost a decade later, is that I still get to do all of that with my ex. I even get to grow old with my him, just not as his wife. He is still apart of my life (whether he likes it or not). I am proud to say he is the father of my children. I look back fondly on our time together. Heck, we did a lot of pretty good stuff doing our time. At this point in my life, my ex has been a regular part of the cast in the play for 15 years; he is bound to have an important role. Our time together was temporary though.

Looking back, I wonder if things would have been different in the end if I had acknowledged that it might be temporary; if ending it would have been less painful with that mindset. If I had been less “attached”, would the “detaching” have been easier? (a little foreshadowing there) I think what people have a hard time wrapping their head around is the idea that in one’s lifetime, you may in fact be in more than one committed relationship. Nothing is permanent. My kids go through phases, I go through phases, if you live anywhere other than Oklahoma, the seasons even change. The only constant we have is change. As humans, we attach ourselves to people, places and things. Ideally, when you commit yourself to another, you want to grow and change together; support each other and encourage each other through each phase. However, for reasons which I do not have room for in this post, it doesn’t always work that way.

When I reference non attachment, I am not talking about detachment. I do not mean one should be single. On the contrary, we are made to be with others. I am actually talking about one of the wisest gifts we can give ourselves by letting go of our attachments. “According to the Buddhist point of view, non attachment is exactly the opposite of separation. You need two things in order to have attachment: the thing you’re attaching to, and the person who’s attaching. In non attachment, on the other hand, there’s unity. There’s unity because there’s nothing to attach to. If you have unified with the whole universe, there’s nothing outside of you, so the notion of attachment becomes absurd. Who will attach to what? When a single person is as happy alone as with someone, they will no longer have to manipulate or “people-please” to win the heart of someone. If they do have a spouse or partner, they are able to love that person for who they are, not for what they get from them. Is that not the basis of a genuine, mature love…or marriage?

So the elephant in the room remains: will I ever remarry? Who knows and who really cares.

Project Hallway

I am not really sure you can even call it a hallway.  It is more like a small room of doors.  Within this little room is a door to the kitchen, the bathroom, and two bedroom doors.  The one area of wall actually houses a couple of storage drawers and a linens cabinet.  The lighting is limited at best so we have always had a floor lamp in the corner.  In addition to the lack of character in this area of the home, we had covered a non-functioning attic fan in an effort to be more energy efficient. 

What we had was an eyesore.

The man of the house, feeling pinteresting, deciding to do something about the problem.

  • He built a “window” that he covered with sticky paper that made the Plexiglas look frosted.
  • He then hung this “window” from the ceiling.  I believe he used zip-ties to do this. This step hid the eyesore of the order attic fan.
  • He then attached various fabrics to the wall, and draped them to the window, adding some dimension and a little whimsy to the box.  I doubt he was thinking about whimsy when he did this but I thought it sound good.

Again, I am terrible about taking pictures before or during the process, I was too busy trying to protect myself form the first window that fell on us.  Note: do not use a large frame as they are not secure enough.

One Happy Yippy

So back in May I noticed this spot on my skin.  Having fair, sensitive skin, I am used to the occasional unexplained “blemish” that shows up out of nowhere and vanishes just as miraculously.

Well this spot didn’t vanish.  On the contrary it has lingered for three months.  I know what you are thinking: Go to the dermatologist.  I hear you!  I know the signs of skin cancer and I realize if something will not heal after a few weeks, it needs to be checked out.  Well, while I wait for my appointment later in September, I thought I would see what kind of remedy I could create in my kitchen.

My attempts to medicate this little spot started with the usual suspects; neo-sporin, a number of over-the-counter and doctor-prescribed “ointments”.  None of which worked.  I thought if the stuff with all the chemical can’t help, mane I should take a more natural approach.  After a little research I headed to my local Whole Foods for ingredients:

Beeswax (1/64 cup)
Infused Coconut Oil (1/4 cup)
Lavender (about 4 drops for fragrance)
Vitamin E (I used the oil from 2 capsules)

I placed the jar of Coconut oil in the microwave until it was liquid.  As I was doing that, I was melting and measuring the beeswax.  Mix the oil and wax together in your pan, then add the oil and fragrance of your choice.

Once I was ready to pour my oil into a container, I realized I had not thought that far ahead.  The man of the house happens to chew SNUS so we used a couple of empty containers of SNUS for the balm.  You could also use an empty altoid tin.  If I get ambitious and want to make a larger batch I may find some unmarked tins on-line.  The amount here filled up two containers.  We let it site for about 30 minutes and it was firm and ready to use.

This stuff is great, it goes on easily and is not oily or greasy.  It can be used on any part of the body as well.  Now, here is the exciting part.  After three days using this little concoction, that little stubborn, three month old spot was gone.

Sorry I don’t have pictures of the process, frankly I wasn’t sure if it wold work.  I will load some on the next batch.

 

First things first. I’m not talking about a Liberty, Pilot, Cherokee, or anything like them. I’m talking about Jeeps.

My car was at the spa recently for a couple of weeks. It was getting a little TLC after a recent hail storm here in death valley. All or nothing here I tell ya.

While my car was getting it’s face lift, I had the privilege of driving my best guy’s Sahara. I love driving the Jeep. That is, I love driving it when my eyeballs are not melting in the Oklahoma heat.

But I digress.

During the two weeks that I drove the Jeep I noticed a lot of other women driving around in Jeeps as well. I am not sure if this was just because I was paying attention, or if there are suddenly more female Jeep drivers lately. That question remains for another day.

Everyone who drives a Jeep knows about the Jeep code of ethics. You know…it’s that Jeep thing they talk about all the time. So if everyone, even non-Jeep drivers, know about the code, why did every single female Jeep driver ignore the basic code?

I know what you’re thinking. You think I’m exaggerating about the code. For the non-Jeep people out there, there are handbooks and countless websites dedicated to Jeep life for you to educate yourself. There is even a forum of people complaining about non-waving women Jeep drivers.

So, now that my rant is over. What gives ladies? Are you oblivious to what is going on outside your vehicle? (Not a good idea if you are driving) Are you shy?

There should be a waiver (pun intended) a new Jeep owner has to sign at purchase.

 

I recently made a commitment to myself to compliment at least one person every day. My first attempt was a woman at Walmart. She was not a WalMartian, but an attractive woman in her mid-forties. She had this cute little pixie body and a hair cut to match. The minute I saw her I was certain she would smell of juniper and a trail of pixie dust was going to follow her as she glided down the aisle with her cart.

This, however, was not the case. Back to her haircut though. I once, no twice, tried to pull off the haircut she was sporting. I have been told on more than one occasion since, to never attempt it again. I envy women with the face that can carry a super short cut. So I told her just that and her eyes lit up. My new best friend beamed at me and thanked me profusely. She went on to tell me how she always had short hair. She added that she got the impression most men liked long straight hair but she didn’t care. I complimented her on her attitude about the subject which evolved into a discussion about the aging process and how we get more comfy in our skin and care more about our own opinions versus others. I chatted with Pixie for a good 15 minutes in the pharmacy section. Sorry if we held you up.

My commitment to daily compliments was rooted in good intentions for others but frankly, I think I get more out of it than the recipients do. I love making other people happy. When other people are happy, especially if I feel like I had something to do with it, I am happy. If you plan on trying this yourself, I must warn you; it can become addictive. It is a chemical/psychological thing. For pleasers like me, there is a high that comes from making others happy. I guess there could be worse things to be addicted to. Better to fill my jug of happiness than some other substance I suppose.

All this being said, I do not throw out frivolous comments. My compliments are genuine. It isn’t always easy to find good things to point out. For this days I have back up options.

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