You didn’t talk about sex, which is understandable. But,

FacebooktwitterlinkedinFacebooktwitterlinkedin
Submitted by Kameron, a High School student

...it is important for some people. You could help out more if you decide to.

Life After 18-10-Relationships -HappyYoung.Black.Couple

Everyone has different preferences as to what is good or bad sex. I think this is a very important part of the “getting to know you” part of a long term relationship. If you’d like to learn or experiment, all I can say is read a lot of books. And honestly, I’d say trashy novels are a good place to start. 50 Shades of Gray was popular, but only one point of view. Fire Island is an old one with a lot of different points of view. And just about any book with a Fabio-looking guy on the front will give you all kinds of information.

That said, I do have a few pieces of advice:

1. Talk about and agree on birth control.

Unwanted babies, well, that’s not a good situation for you or the unwanted child. I know, because I'm one of them.

2. Sex does NOT mean love no matter how toe curling it is.

And honestly, most girls think it does and most boys see it as a sport. I say most, because my son always equated it with love and he got his heart broken a few times.

So, don’t assume because you have sex with someone, it means you’re in love with each other.

Business of Life_10_Relationships_HappyYoung.AsianCouple

3. You and your partner must agree...

...on what you think is good, bad, or too weird. So you MUST talk with each other. Remember I mentioned, this is one of the three main things that will tear a relationship apart.

4. If the sex is the only good thing in your relationship...

...it is NOT enough to hold that relationship together. Especially if you’re arguing every other minute you’re out of bed.

5. Sex is best kept personal and private...

between you and your partner. It’s NEVER a good idea to talk with all your friends and relatives about your experiences.

Sincerely,

Jan

FacebooktwitterlinkedinFacebooktwitterlinkedin

Can you cover more about the chemistry between people?

FacebooktwitterlinkedinFacebooktwitterlinkedin
Submitted by Lily, a high school student.

Yes, chemistry is fun and exciting...

..and it’s usually what draws two people together. And in most cases, strong chemistry leads to sex.

So I’d say, read my answer to Kameron in the previous post.

Life After 18 - Relationships - Chemistry - Janet M Nast

Sincerely,

Jan

FacebooktwitterlinkedinFacebooktwitterlinkedin

Possibly talk about when partners can be abusive and how to get out of that.

FacebooktwitterlinkedinFacebooktwitterlinkedin
Submitted by a student who's name I won't share in order to protect him/her.

This is scary, and I know because I was in two abusive marriages.

JanetMNast.broken hearted couple

To break it off with this person, well, that depends on the person.

  • One of my abusers was “just” hitting me and controlling who my friends were and where I could go. Surprisingly enough, this one was easier to get out of.
  • The other one was all that and a narcissist. That means he played mind games with me that made me question my sanity. And made our common friends think I was crazy and/or the abuser. So I learned really quick not to trust anyone who might know him, no matter what they say or deny.

First Huge Tip: Don’t every let anyone, including your abuser, try to make you believe your abuser can change.

I’ve been through enough counseling with abusive boyfriends and husbands to know that that will never happen. And I’ve had enough friends go through the same thing. People don't magically change into a whole 'nother person simply because you want them to. This is not new.

Second huge tip: In both cases, when you make plans to leave or break up,

JanetMNast.PC hacker

Don’t share those plans with anyone!

When you do, that info will always get back to him or her, and he/she will sabotage all of it and could make your life a living hell.

If you are a student living at home...

...then it’s a little trickier because you can’t always just find another place to live.

  1. My first thought is to advise you to tell a trusted adult about it. I’d like to think that is a parent…a parent who can keep the abuser from getting into your home and coming after you.

    You could tell a school counselor or teacher, but keep in mind that they might feel a need to tell your parents because your parents are the only people who can physically keep this person out of the house and away from you. It sucks if your parents like this person though…so talk this over with the counselor and hopefully, get some good advice as to how to handle this.

    JanetMNast.Scared kid peeking through his fingers You’ll be surprised to learn that almost all adults (usually women) have had to deal with abuse at one time or another, so please don’t ever be scared or embarrassed to tell them. They know.

  2. Talk to a lawyer or someone in family court about getting a restraining order against this person. It may not physically protect you, but it’s a legal way to discourage this person from coming around you.
  3. If you have a job, let your immediate supervisor know about the situation: show the restraining order.
  4. You might also want to consider a new job and not tell your abuser. You don’t have to tell your old boss where you’re going either: that way they won’t accidently tell your abuser where to find you.
  5. Get a new phone number.
  6. And as much as it can be a pain in the ass, delete/close all your social media accounts. It’s pretty easy to track you even on new accounts…usually accidently through your friends.

If you are married (or living together)...

JanetMNast.Couple ignoring each other

...then you need to plan. And remember, don’t ever share your plan or intentions with your abuser: this person is NOT to be trusted. They will sabotage you.

Your plan should include:

  1. Find another place to live far away from your current home. Staying and changing locks on the doors (to keep them out) seems like a good idea, but, he/she will have a legal advantage if their name is on the deed to the house or a rental agreement. This could lead to a long drawn out legal battle not to mention the physical harassment you will have to deal with from this person 24 hours a day.
  2. Talk to a lawyer or someone in family court about getting a restraining order against this person. It may not physically protect you, but it’s a legal way to discourage this person from coming around you.
  3. Money: figure out how much will it cost you to move out and into a new home?
  4. How will you save that money without your abuser finding out? Open another account in another bank located in another part of town. You don’t want him or her to see you going there.
  5. If you get paid automatically, be sure to let your employer know your new bank and new account number so your pay can go there. (I couldn’t do this because my husband watched our accounts and knew how much I got paid. So I told him I wanted to open a small savings account next to my job so I could cash my checks for gas money easier without asking him. Then, when I worked overtime, I never told him, and I put that extra money into my savings account and gave him what he “knew” I was making.)

    Get creative…you will find a way to put aside something for your plan.

  6. Get a credit card in your name only. This is how you will establish credit without being tied to someone else.
  7. Close any joint credit cards you might have. This will prevent you from having to pay them off if your ex max's them out.
  8. If you own a car together, see if you can’t get a new loan in your own name at another bank without telling him/her. A lot of banks are happy to do a refinance loan without telling the other party.
  9. Find and make copies of all documents that have to do with any joint financial accounts as well as any your partner might have. This includes, but is not limited to: retirement accounts, savings accounts, checking accounts, credit cards, anything on which you are making payments or own together or separately such as a house, condo, cars, tractors, land…anything that has a dollar value and can be sold.
  10. Store your copies in a safe place out of your current home. Maybe with a trusted friend or relative.
  11. If you are married, then talk to either a lawyer or paralegal about filing for a legal separation. A legal separation will protect you from being responsible for any new debt this person may run up simple because they are angry. That can ruin your credit in a heartbeat and it will stick with you for seven long years.
  12. This is the hardest step ever: Be as nice as you possibly can stand to be as long as it takes you to get away. You don’t want them to suspect you are planning anything: If they do, they can and will sabotage it and you could be stuck there even longer.

I'm sorry for anyone who has to go through this...

JanetMNast.Man looking over woman's shoulder

Again, the most important thing is to keep your plans a secret from all friends until everything is a done deal. You just don’t know who talks to this person. So, depending on how dangerous / violent this person is, I'd also suggest keeping your new location, workplace, and phone number under wraps for as long as possible.

If you're careful you'll come out of this just fine.

Sincerely,

Jan

FacebooktwitterlinkedinFacebooktwitterlinkedin

Talk maybe about what retirement looks like in a relationship.

FacebooktwitterlinkedinFacebooktwitterlinkedin
Submitted by Lailana H., a student at Pahrump Valley High School.

Y'all need to talk to each other...

JanetMNast.Professional men and women in business meeting

How do you want to live as you get older?

When you start dating someone seriously, this is a topic you need to discuss with each other. It all falls under a discussion you should have about you both manage money (learn about that in the Relationship lesson).

Here's how bad it can get...

A couple of close friends of mine (we'll call them Fred and Wilma) agreed that they would spend their money as fast as they made it. They didn’t save a dime and didn’t think anything would ever happen to the business they owned. Well, until they were in their early 70’s…and Fred's son (Sam, from a previous marriage) came along and talked Fred into handing the business over to him. They signed a contract and both agreed that Sam would keep Fred on as a consultant at a salary of $10,000 a month. Sweet.

Until Fred didn’t get his first month’s pay.

Turns out that Sam put some kind of loophole in the contract that allowed him to fire his father.

Now Fred & Wilma have no company, no income and no retirement savings at the age of 73.

They called Tom and I for help with their bills. All our extra income was tucked away into our retirement accounts and there was no way we were going to touch that to bail them out, knowing we’d never get it back. And they wouldn’t be able to help us if we ever needed it.

They lost everything, house, cars, motorhome, most of their household goods, everything had to go. And Fred ended up going back to school to get his real estate license and, luckily, they were able to rent a house from a friend of theirs.

Well, at least Fred and Wilma had agreed on how they would manage money.

So, think about it...

JanetMNast.Professional men and women in business meeting

How do you want to live as you get older?

If both of you are spenders like Fred and Wilma, well, at least you agree. But do you really want to risk being homeless when you get old?

Or if one of you is a spender and one is a saver, this could work. But you must agree on how much goes to savings and not fight about it. Remember, I mentioned that money is in the top three reasons for divorce? This is one of those possible hot buttons.

If both of you are savers, this may work well too. As long as you can agree on how much to save, and when spending a bit for fun stuff is ok, then you’ll be fine.

Regardless on what you decide, you should do some basic math and figure out how much you should save for retirement. That’s explained in my answer to Mauricio's question posted in the Employment lesson.

Sincerely,

Jan

FacebooktwitterlinkedinFacebooktwitterlinkedin

President’s proposal to block production of gas ranges

FacebooktwitterlinkedinFacebooktwitterlinkedin
Image
Click picture to read source article.

How does this affect you and your personal household economy?

1. Your Jobs

Do you or any of your family members work for the companies that make these gas ranges? Guess which companies will be making fewer to no gas ovens/ranges when they are outlawed.

And who’ll be losing their jobs when said companies will have to cut back on employees when this happens? And what happens when they have to shut down alltogether because the only product they made and sold is now outlawed?

Bottm line, anyone who used to work building and selling said ranges is sh** out of luck.


2. Homeowners Who Use Gas Ranges

Yes, you are screwed if your range stops working and you have to buy a new one. (We had one blow up on us 3 years after we moved into a brand new house-yikes! This kind of stuff does happen.)

If a home is piped to use natural gas for heating and cooking on a gas range, this home will have to be upgraded. And believe me, this type of construction can’t be easily undone and rebuilt. Not to mention the extreme expense to do so. This isn’t cheap!

For example, my husband and I just had our entire heating and AC system (29 years old) upgraded to heat pumps. In order to pay for this we had to pull $16,000 out of my 401k to pay for this. If we weren’t over a certain age (62) and if we hadn’t saved for 35 years, this wouldn’t have been possible.

The average family just doesn’t have that kind of money laying around.

So what do you do?

It appears to me that you, along with millions of other people will be left with… what? No way to bake & cook meals

And don't let politicians try to tell you that they are the "average every day person." Look at their homes and how they live: they're not.


3. Hardware Stores Who Sell Gas Ranges

Yep, you guessed it: If there’re less gas ranges to sell, then there’s no need for employees to sell them.

And then those unemployed people have,

  • Less money to spend on groceries and other products and services.

  • Which ties to those stores now bringing in that much less money.

  • Which leads to them not being able to pay as many workers.

  • Which leads to more layoffs.

Of course there is one other possible solution that could cover the cost of lost sales:

Raise the prices of the products he's still allowed to sell.

If you're anything like me, this may not go over really well the next time you need to buy a replacement stove.


Can you see how ONE decision...

...made by one person in a position of power (the POTUS) can have such a huge impact on so many people?

Not just millionaires but average every day people like you and me who are working our butts off and maybe just making ends meet.

This is an example of how the “economy” works and how we are all affected by decisions made by politicians in Washington.

Understanding how the economy and how it affects you is one of the more important Life After 18. Knowing this allows you to make better informed decisions and choices when you vote.

Your knowledge is your super power!

Sincerely,

Jan

FacebooktwitterlinkedinFacebooktwitterlinkedin