Category Archives: Relationships

1 in 5 Americans living with a partner are hiding a bank account or credit card – CNBC

A new CreditCards.com survey finds that 19 percent of people in live-in relationships are hiding a bank account or credit card from their spouse or romantic partner. That’s about 29 million Americans.

That could cause problems, since trust is perhaps the No. 1 predictor of a couple’s long-term success.

The survey didn’t dive into the motivation for hiding accounts and cards, but did find that millennials (defined here as those aged 18-37) were twice as likely as older generations to keep such a secret. Perhaps that’s because they have more to hide: Compared to Boomers at the same stage of life, millennial households have lower earnings and more debt.

They’re typically in newer relationships, too. According to the experts, though, that’s no excuse. David Bach, author of “Smart Couples Finish Rich,” tells CNBC Make It it’s better to open up about money with your romantic partner sooner rather than later.

“Don’t do it on the first date,” he says. “But should you do in the first six months? Definitely.”

Other experts agree. “Having a conversation about money early on is important,” says Jason Thacker, head of consumer deposits and payments at TD Bank. “Being open, honest and understanding each other’s priorities when it comes to money is crucial to your overall financial health and success as a couple.”

If you fail to make your expectations clear, you could run into issues. A separate study conducted by the Financial Therapy Association found that many people engage in “financial infidelity” without even realizing it. Someone might not feel the need to tell their spouse about spending money on a guilty pleasure, or hiding a paycheck, and go uncaught until they hit their credit limit or miss a payment.

Most of the CreditCard.com survey respondents said they wouldn’t break up with a partner if they discovered that partner was hiding financial matters from them. But more than half said said that keeping that kind of secret is at least as bad as physical cheating, while 20 percent say it’s worse.

“Talking about money with your spouse isn’t always easy, but it has to be done,” says industry analyst Ted Rossman. “You can still maintain some privacy over your finances, and even keep separate accounts if you and your spouse agree, but you need to get on the same page regarding your general direction, otherwise your financial union is doomed to fail.”

SunTrust recommends that couples make a full inventory of their assets to get a full picture of their checking, savings and retirement accounts, as well as student loans, credit card debt and car loans. “Regardless of the past, couples need to discuss the financial reality of the present in order to plan successfully for the future,” says Joe Sicchitano, the bank’s head of wealth planning and advice delivery.

That’s especially important if you’re in it for the long-haul. You’ll probably want to know if your partner has a shopping problem. A 2018 study found that dating an over-spender can lower your quality of life.

Plus, if you’re planning on tying the knot, opening up about your finances can help you decide whether or not to get a prenup.

“There are tons of stats about how woefully under-saved Americans are for emergencies, retirement, college and so on,” says Rossman. “If you don’t know where your money is or where it’s going, those already lofty financial goals will become even harder to reach.”

Don’t miss: Dating an over-spender actually lowers your quality of life, science confirms

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Why Farrah Abraham's Instagram Followers Are Already Slamming Her New Business – The Cheat Sheet

We know Farrah Abraham best for her time on MTV’s 16 and Pregnant and Teen Mom, but even since her exit from the latter show, Farrah has proven she won’t be left in the dust with other forgotten reality TV stars. Today, she maintains a strong social media presence, and we’re always seeing her galavanting across the globe with her daughter. Not only that, but Farrah prides herself on being a serious businesswoman. Despite her polarizing personality, we’ve seen her find success in the business world — and fans can’t wait to hear about how her new venture goes.

Farrah announced her new couples and sex therapy business, “Farrahpy,” on Instagram. While she seems to think she’d make the perfect therapist, others aren’t so sure. Here’s what her followers and experts think.

Farrah’s followers are astounded by the price and concept of ‘Farrahpy’

In mid-January, Farrah announced on Instagram that she was now open for business for anyone needing couples or sex therapy advice. In her video, she explained that she was the house’s go-to advice giver on Ex On the Beach, so she’s now offering her professional service for $5,000 per 30-minute session, Newsweek reports. As she told Newsweek, “I get asked every day for advice on relationships and sex so it’s no surprise I’m having therapy sessions.”

Her followers seem concerned that Farrah is an unlicensed therapist requesting this much money for her services, however. As one of follower commented, “If you think anyone with a brain, will pony up $5000 for 30 minutes of advice from you, you are even more stupid than I thought you were. Not only are you NOT qualified, you are looking at some legal issues regarding this.” Another added, “I love Farrah don’t get me wrong, but why would anyone take dating advice from someone who doesn’t seem to be able to keep a relationship going their self.”

She’s also receiving a ton of backlash from professional therapists

Her followers aren’t the only ones concerned about her business. Professional therapists have also said what they think about Farrahpy — and it’s not good. As certified therapist David Ley, Ph.D., told Yahoo, “I’m all for people getting sexual education, but I shudder at the notion of celebrity entertainers doing so.” And licensed psychologist and certified sex therapist Rachel Needle told Yahoo that “a person who does not have a degree in counseling or psychology is not qualified to provide therapy. Having personal experience does not make one an expert.”

Sex therapist Ian Kerner, Ph.D., is also taking the stance that licensed professionals require time, training, and scientific knowledge in order to give their clients the best advice — and Farrah definitely doesn’t have that at the moment. As Kerner said, “I can tell you personally that I rely heavily on science, education, clinical experience, and consultation with my peers in order to assess and treat both simple and complex sexual issues.”

Is the new business a result of serious money troubles?

There’s no doubt Farrah believes she’s qualified to provide counseling for others, but some suspect there could be another motive behind the new business — and that’s money. According to Radar Online, Farrah’s lawyer hit her with a lawsuit after she failed to pay legal bills at the end of 2018. And boxing match promoter Damon Feldman was slamming Farrah with a lawsuit of his own, Radar Online says. Not only did Farrah drop out of her celebrity boxing match that she signed a contract to commit to, but Damon claimed Farrah was also begging him for cash because she was totally out of money.

If all of this is true, then perhaps that’s the real reason Farrah is going forward with Farrahpy. We’ll just have to see if anyone is willing to purchase her advice for such a steep price.

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Dear Abby: Handsome, shy guy beating addiction distraught by dating rejection – The Ledger

Advice: Do not allow yourself to use the fact that you are lonely to destroy your sobriety because it would be a poor excuse.

DEAR ABBY: I’m a 28-year-old male who has never had a girlfriend or a meaningful relationship. I’m well-educated, nice-looking and have a good sense of humor. But I get shy and nervous around the opposite sex. Compounding that, I seem to have a serious “resting face.” People assume I’m frustrated or angry/grumpy when it’s just my normal expression. I’m worried it makes me unapproachable or appear to be unpleasant.

I have overcome addiction, attend daily support meetings and have almost a year of sobriety. I avoid bar/club scenes where a lot of people my age socialize. I’m beginning to feel very alone and empty. I asked out a temp at my job, but she had a boyfriend and offered to set me up with a friend of hers. I declined because I was embarrassed.

My friends tell me it’s a game of numbers, but it hurts being rejected all the time. I see beautiful, nice women with men who treat them badly, and I obsess over what’s wrong with me. My experience with women is limited. I’m not looking for a commitment, just some friends to share good times and laughter with. I’d love to have someone to spend time with before loneliness awakens previous bad habits. — ABOUT TO GIVE UP IN CONNECTICUT

DEAR ABOUT TO GIVE UP: I doubt your “resting face” is what keeps women away. It’s more likely the fact that you are afraid to interact with them.

Start by talking to some of the women in your support meetings. They already know something about you and the strides you have made in overcoming your addiction. And involve yourself in activities you enjoy that are more social. It may help you to develop your “people skills” so you will feel less anxious in other social situations. But do not allow yourself to use the fact that you are lonely to destroy your sobriety because it would be a poor excuse.

DEAR ABBY: I hate eating with my spouse because his table manners are awful. He sits with both elbows on the table, leans close to the dinner plate and uses his fingers to push his food onto his fork. He mashes everything on his plate together before he starts eating, smashes crackers in his soup, scrapes his spoon on the bottom of the bowl and slurps his liquids. He also licks his fingers.

He thinks he can modify these behaviors when he’s with others, but he lapses into them even when he’s with friends in a restaurant. Please help me. How can I get him to change? Must I tolerate it? I have tried constructive suggestions and gentle prodding with no success. Please respond in your column because he reads it daily — while he eats. — DISTRAUGHT SPOUSE IN COLUMBUS, OHIO

DEAR DISTRAUGHT SPOUSE: Your husband must have many wonderful qualities if you married him knowing this is the way he consumes his food. Among them is an awareness that he should modify his eating habits when he’s with friends. Let him know that you are his best friend and you would like him to practice his “party manners” when he eats with you. If he’s reluctant, point out that he “lapses” when he’s socializing with others, and it isn’t pretty. It may motivate him to try harder.

Dear Abby is written by Abigail Van Buren, also known as Jeanne Phillips, and was founded by her mother, Pauline Phillips. Contact Dear Abby at www.DearAbby.com or P.O. Box 69440, Los Angeles, CA 90069.

Dear Abby: Handsome, shy guy overcoming addiction distraught by dating rejection – The Ledger

Advice: Do not allow yourself to use the fact that you are lonely to destroy your sobriety because it would be a poor excuse.

DEAR ABBY: I’m a 28-year-old male who has never had a girlfriend or a meaningful relationship. I’m well-educated, nice-looking and have a good sense of humor. But I get shy and nervous around the opposite sex. Compounding that, I seem to have a serious “resting face.” People assume I’m frustrated or angry/grumpy when it’s just my normal expression. I’m worried it makes me unapproachable or appear to be unpleasant.

I have overcome addiction, attend daily support meetings and have almost a year of sobriety. I avoid bar/club scenes where a lot of people my age socialize. I’m beginning to feel very alone and empty. I asked out a temp at my job, but she had a boyfriend and offered to set me up with a friend of hers. I declined because I was embarrassed.

My friends tell me it’s a game of numbers, but it hurts being rejected all the time. I see beautiful, nice women with men who treat them badly, and I obsess over what’s wrong with me. My experience with women is limited. I’m not looking for a commitment, just some friends to share good times and laughter with. I’d love to have someone to spend time with before loneliness awakens previous bad habits. — ABOUT TO GIVE UP IN CONNECTICUT

DEAR ABOUT TO GIVE UP: I doubt your “resting face” is what keeps women away. It’s more likely the fact that you are afraid to interact with them.

Start by talking to some of the women in your support meetings. They already know something about you and the strides you have made in overcoming your addiction. And involve yourself in activities you enjoy that are more social. It may help you to develop your “people skills” so you will feel less anxious in other social situations. But do not allow yourself to use the fact that you are lonely to destroy your sobriety because it would be a poor excuse.

DEAR ABBY: I hate eating with my spouse because his table manners are awful. He sits with both elbows on the table, leans close to the dinner plate and uses his fingers to push his food onto his fork. He mashes everything on his plate together before he starts eating, smashes crackers in his soup, scrapes his spoon on the bottom of the bowl and slurps his liquids. He also licks his fingers.

He thinks he can modify these behaviors when he’s with others, but he lapses into them even when he’s with friends in a restaurant. Please help me. How can I get him to change? Must I tolerate it? I have tried constructive suggestions and gentle prodding with no success. Please respond in your column because he reads it daily — while he eats. — DISTRAUGHT SPOUSE IN COLUMBUS, OHIO

DEAR DISTRAUGHT SPOUSE: Your husband must have many wonderful qualities if you married him knowing this is the way he consumes his food. Among them is an awareness that he should modify his eating habits when he’s with friends. Let him know that you are his best friend and you would like him to practice his “party manners” when he eats with you. If he’s reluctant, point out that he “lapses” when he’s socializing with others, and it isn’t pretty. It may motivate him to try harder.

Dear Abby is written by Abigail Van Buren, also known as Jeanne Phillips, and was founded by her mother, Pauline Phillips. Contact Dear Abby at www.DearAbby.com or P.O. Box 69440, Los Angeles, CA 90069.

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