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Posts Tagged ‘Marriage’

Malcolm Gladwell’s 10,000 hour rule!

Friday, October 16th, 2009

Today’s post is based on a blog post by Dan Miller, author of 48 Days to the Work You Love.  On October 12th, he wrote about a chapter in the new book Outliers, by Malcolm Gladwell, called the 10,000 hours rule.  Are you intrigued? You should be!  Find the original blog post here.

Basically, the jist of the 10,000 hour rule is that the author’s research shows that it’s rare for a person to get to the top of their game in their chosen field without putting in at least 10,000 hours of preparation. 

Raw talent is apparently not as important as the time you devote to your passion…to that thing you do better than everyone else.  No matter who you are and where you came from, no one gets to the top without the 10,000 hours.  And, supposing you want to get to the top of your field, that means you’ve got to WORK!  In a 40 hour work week, you can finish those 10,000 hours in 5 years.  If you’re doing a part time job at 20 hours a week, that’s 10 years.  If you’re working 60 hours a week, that means you’ll finish in 2 1/2 years, but it also means you don’t have a work-life balance, and I can’t agree with that! 

Where are you putting your hours in?  Are you putting effort in the areas of your life that matter the most, or are you leaving work, coming home and turning into a couch potato?  I truly hope you’re not ignoring your family in exchange for mindless channel surfing.  And hey, if the area of your life that matters most, that you want to be excellent at is your relationship with your partner, I’m totally cool with that!  So long as you are putting in the hours and are excellent at something you love, your favorite southern couple is behind you!

Show your appreciation!

Wednesday, October 14th, 2009

I know that when you’re in a relationship, sometimes it’s hard to remember all of the little things you’re supposed to do for your partner.  I know that we get busy, with children and jobs and PTA and social functions etc., but when you’re in a relationship, you need to remember to show appreciation to your partner.  Now, I’m not saying you have to shower them with gifts, or fawn all over them all the time, but occasionally, it might be a good idea to say “I appreciate you” or “thank you”, and mean it. 

Showing your appreciation to your partner doesn’t just let them know you care, it also shows them respect, and respect is a necessary component of a relationship.  Why do I think these actions are so important?  Because when you love somebody, you shouldn’t be focused on yourself all the time.  Yes, it’s important that you have “me time” where you take care of yourself, but it’s just as important that you let you partner know how you feel.  And I’m not just talking about women here…men need to know these things too!  

You might not agree, and that’s ok.  I’m simply sharing what works for your favorite southern couple!  It’s our opinion that a function of a great couple is that both partners are willing to give up everything for the other, and that the other wouldn’t dare take everything from them.  Good luck in showing your appreciation!

Questions or comments?  Feel free to leave a comment, or ask a question about relationships!  I’ll try to answer it to the best of my ability!

Being single also means being more likely to be without a job!

Friday, October 9th, 2009

Today’s article, No spouse, no job: Unemployment hits singles hard, by George Mannes is an interesting look at some statistics that have come out recently regarding unemployment. 

The numbers for unemployment in September show that it rose to 9.8%, and that it might hit 10% in the near future.  But as bad as the overall unemployment rate is, the breakdown of single versus married people is interesting…it’s almost double!  In August, the rate was 13.5% unemployment for singles and 6.3% unemployment for married people!  The article points out that a likely reason is that married men are motivated to take a lower paying job, to be able to support their families, and that single people are typically younger and have less education and experience than their married counterparts (this, of course, is just supposition).  There is also a difference in those with a high school education versus a Bachelor’s degree or higher.  Only 4.9% with a Bachelor’s degree are unemployed, versus 10.8% with only a high school education (a good argument for staying in school and going to college).

There is also disparity amongst race, gender, and age.  And, while these statistics are interesting to me, I have to think that there are ALWAYS discrepancies amongst employment based on race, gender and age, since the people in the work force are constantly changing.  I’m not taking away from the fact that these people are suffering.  There are a lot of people out there suffering, and I wish them a job…pronto.

Here is the breakdown:

  • African Americans – 15.4%
  • Hispanics – 12.7%
  • Caucasions  9.0%
  • Asians – 7.4%
  • Adult Women – 7.8%
  • Adult Men – 10.3%
  • Teenagers – 25.9%

Overall, I’m most intrigued by the stats on single people.  If single people are more likely to be jobless due to their unwillingness to take lower pay, I say that it is their choice!   As long as they have an emergency fund in place to carry them through this tough spot and/or are working a part time job til they find the “perfect job”, so be it!  And for those of you who are married, taking lower paying jobs, don’t forget your worth!  No matter what your situation, having an emergency fund and being prepared for a job loss will help you weather any storm!

Do you need to “baby-proof” your finances?

Friday, September 25th, 2009

Today’s article is titled Baby-proofing the family finances by: Yuval Rosenberg.  For me (and I suspect for many of you), it’s a very relevant topic right now.  Since Jerrill and I are trying to start a family, we are in a whole new planning phase of our lives as well, and while I think this article is possibly a little specific to the situation of the couple in the article, the topic is one that needs to be discussed.

The article centers around Chad and Stephanie Grant, from San Diego, who are both 31, have been married 7 years and are starting a family.  They make a very good living, with a nice nest egg already started, but not a very big emergency fund.  The article points out that they have a few actions to take to be ready for baby.

If you are in the same situation, trying to start a family, I have a few tips:

  • You MUST have an emergency fund of AT LEAST $1000, but preferably 3-6 months worth of expenses.
  • It’s a good idea to find out what the total cost of doctor visits and delivery will be and save that amount (or as close to it as you can) to pay cash for your baby when it’s born.  It’ll be nice not to finance your child, right?
  • Now is the time to get diversified, as the article points out.  Make sure you don’t have all of your retirement “eggs” in 1 basket.  You should diversify between small, mid and large cap funds, and international funds.
  • Insurance!  We all know that health insurance is important, but life insurance is equally important when you are starting a family.  If you die, something has to replace your income!
  • A Last Will and Testament is important for you and your spouse, but when you have a baby, it’s IMPERATIVE.  If you don’t have a local lawyer, or don’t have the cash for a lawyer, then go to USLegalForms.com and do it yourself on the cheap!
  • And, of course, stock up on diapers (or ask for gift cards to buy diapers)!

That’s it!  Check out the article, and use these tips to get you on track, if you aren’t already!  Good luck, and I look forward to your questions and comments!

Everybody Loves A Good Clips Episode…

Wednesday, August 26th, 2009

This week I wanted to revisit some of my previous posts that I find to be worth repeating, because when it comes to money and relationships, lessons need to be reinforced.  It’s the best way to stay focused!  Below, you will find links to some of our previous and a description.  We hope they keep you focused if you are doing well with your money and marriage (relationship) or get you back on track if you’ve lost your way. 

  • Can You Plan Spontaneity - This is a recent post, but it’s a good one, and it’s one of our trademark tips for a successful lifestyle .  The post outlines how we have built spontaneity into our budget (which works quite well, I assure you), achieving both spontaneity (to have a little mystery about special outings, gifts etc.) and budget restraint (so you have so money to retire on one day).
  • YOU are an emotional piggy bank -   This post has generated a lotof talk of the last few weeks.   You are an emotional piggy bank, taking in deposits and doling out payments from other people.  Just like a bank account or a piggy bank, you need to have more deposits coming in than payments going out for the system (i.e. you) to function.  People that drain too much from you, drain you, and you should spend time with them sparingly, if at all.  This, of course, is opposed to emotional boosts, who make lotsof deposits into your piggy bank.  You should spend as much time as possible around these special people.
  • Never forget where you started… - This post is a reminder of why you got married or into a relationship with your spouse/significant other, and some tips on how to make it work better or keep it working wonderfully!
  • Why your friends are costing you money, and what you can do to stop it! - This post is all about being friends with people who have a larger income than you and ways to avoid the pressure of spending too much money, or spending money that you don’t have when you hang out/spend time with them!
  •   So, going to the gym is like budgeting my finances? - This post draws parallels between going to the gym and budgeting your finances.  Not only are there insights into better ways to budget your money, but there are also a few tips on going to the gym!  You can’t beat that!

So, those are the blog posts that we’d like for you to go back and take a second look at!  Hopefully, you will find some information that helps you along in your life, or reaffirms what you already have in practice!

 

 

 

 

“clips episode” of previous posts that are “must reads”

Why we need to have hope for the American Marriage…

Friday, July 10th, 2009

As you know, Jerrill and I believe that a strong marriage and central family unit is key to all the successes of the family members in all that they do. This week’s article is about the importance of marriage and family. Here is a quote from the article, Is There Hope for the American Marriage? By Caitlin Flanagan:

a lasting covenant between a man and a woman can be a vehicle for the nurture and protection of each other, the one reliable shelter in an uncaring world — or it can be a matchless tool for the infliction of suffering on the people you supposedly love above all others, most of all on your children.

This article is all about the importance of a strong marriage and how important it is for the children to have 2 parents in the home. It is chock full of information. It states that children of divorced, middle-class parents do less well in school and at college compared with underprivileged kids from two-parent households. This absolutely floored me. However, it does seem to fit with and support our viewpoints on family.

As the article points out, most of us do want the “fairytale” marriage, as in, married for 25 years and still deeply in love. I don’t know anyone who has gotten married and didn’t want that. We simply have to work at it. I don’t let a day go by that I don’t make sure I am doing the things that I know will be a benefit to Jerrill, or at least, make him very very happy. I focus on his happiness, and our happiness, and that ensures that I don’t take him for granted.

So, go check out the article! I really hope you enjoy it as much as we did! It’s a long read, but well worth it.

Never forget where you started…

Wednesday, June 10th, 2009

As we get older our lives change. We graduate high school, go to college or enter the work force and eventually settle on/start a career. During this 10-15 year timeframe, we usually meet someone special. Someone that we get excited to see and are happy to hear their voice. That person who gives your belly the “warm fuzzies” when you think of them. Now, not everyone follows this track, but the majority of people get engaged, married and then start a family. Unfortunately, some of these marriages fail and end in divorce. Now, for many of these marriages, money woes were a major part of this failure, but there are other silent problems that we can’t recognize easily that can lead to the destruction of a marriage. Recognizing and protecting against these troubles is what helps keep the “Successful” in your favorite southern couples’ marriage. Even if you already know what they are this will be a good refresher for you.

  • Miscommunications – In my opinion, communication is the number one, absolutely most important part of any marriage, period. Why is that? Because MIScommunications are a major cause of arguements. Think about it. Your spouse says something to you and it sounds hateful. Instead of being hateful back to them, ask them if anything is wrong! You do love them, remember? Maybe you said something to hurt their feelings. Maybe they had a tough day at work. Whatever the case, they love you too, and wouldn’t be snapping at you without a reason! They are MIS-communicating their feelings, and you are about to “stir the pot”! Instead, sit down as a couple and discuss what happened. If you hurt their feelings, apologize! Not an unfeeling “oh, I’M sorry YOUR feelings are hurt” apology, but a “wow, I’m sorry I hurt your feelings…I didn’t mean to do that” kind of apology. I mean, you didn’t intend to hurt their feelings, did you? Did they have a bad day at work? Ask them to tell you about it, which helps relieve their stress. At the end, if the comment they made to you was hurtful, tell them so, and ask them to be careful in letting their work affect how they speak to you. The more you communicate, the better you will understand each other!
  • Don’t Yell! – In a related topic, why are you yelling at each other? Are you not capable of controlling your anger? Do you not have to control yourself at work when you’re angry? So why do you think you should yell at home? Yelling at someone demonstrates that you can’t logically discuss a problem and tells them that all you care about is “winning” the arguement…let me tell you a secret…you can’t win an arguement by yelling, all you do is make the other person decide it isn’t worth the effort to try to communicate with you. That isn’t a win…it’s a failed relationship, because if they give up on communicating with you, the 2 of you will not last as a couple!
  • You both have a veto – In my house, we put bills/laws up to be passed or vetoed, just like the White House. For example, if I want chicken and he wants pasta, he can veto my chicken and suggest pasta. If he wants a big screen TV, I can veto it. If I want to move to Alabama, he can veto that. This goes on til we agree. It’s not important what the final decision is, but rather that we made it together and were both heard in the process.
  • Don’t forget to show respect – This is a problem that a lot of marriages have. We tend to focus on oursleves and what we are doing for the family so much that we forget to show respect for our partner. You should treat you spouse as though they are the most important person/thing in your life, because, frankly, they should be.
  • You both have to be on the same plan – It doesn’t matter what plan you’re on (although I could suggest a couple) as long as you’re on the same plan! If one of you isn’t ready for children, the other should not be decorating a nursery! Working together (are you seeing the trend) and following a plan to acheive your goals works so much better than 2 people trying to acheive their own goals separately, but in the same house. Your actions will affect the other persons life! I’m likely to offend some people here, but I beleive that when you become “man and wife” you become one. That means no his and hers, that means ours! Don’t try to define what belongs to whom and who pays what bills! And things like separate checking accounts only promote division in the marriage!
  • Ackknowledge each others efforts/accomplishments – Last time I checked, it feels good to be praised, and everyone likes it. So then, wouldn’t it stand to reason that when your spouse accomplishs something (even something small) you should praise them? And don’t think you have to spend thousands of dollars to do so! The praise should be commiserate with the deed. It’s not what type of praise you’re giving, it’s the fact that you are giving praise!
  • Your marriage is sacred, and your children need to know/see that - This is another topic that will likely upset some people, but in my house, the marriage comes first. I do not have children yet, but when I do (which will be soon), I plan to make sure that my children know that I love them with all my heart…but that mommy and daddys’ relationship comes before their plethora of extra cirricular activities. Date nights are a must. Family nights are a must. Mommy and daddy being in love and wanting to do things together teaches healthy relationships to the children, and I think we can all agree that children these days need examples of strong, loving relationships!

So, I say to never forget where you started…that happy in love, sweet, caring, respectful and appreciative couple you were in the beginning can continue to old age if you try! I am sure that I have left out other parts to a happy marriage, but this will get you started in the right direction! If you have specific questions, feel free to leave a comment!