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Monday, July 23, 2007

Financial Savvy for the Young, Christian and Clueless

If you’re like me at all, perhaps you thought you didn’t need to worry about finances because you were going to marry a nice Christian guy and raise children while he worked. You grew up watching reruns of "I Love Lucy" and similar sitcoms with a running commentary about wives over-spending. I am still waiting for the right guy. If you are are either male or a female around 25, you may be thinking that this doesn’t apply to you at all. Guys have a responsibility to themselves and to their futures to learn about finances. When children come into the picture, it's still usually the man who continues working, though I do know some stay-at-home daddies who married CEOs. We ladies have to be realistic that even if we do meet someone special, we may end up divorced or widowed. My grandmother was lucky. She has been a widow for the last 26 years and my grandfather planned well. She never had to work a day in her life and can still pay her expenses from his wise investing. Times have changed since they married. Society both allows and expects greater responsibility from the ladies. But both men and women need to become financially savvy.

The pastor at church I attended during high school preached 1 sermon about money. All I remember is the pithy saying, “If your outflow exceeds your income, your upkeep will be your downfall.” While what he said is true, he didn’t give practical steps. On the opposite extreme, I have been thoroughly confused by most of what money guru Suze Ormon says about managing and investing money because it was so far beyond a stage that I could even imagine. But there are a few basics that can improve meager finances.

  1. Know your fixed expenses. Perhaps singing too many high notes in the church choir have rattled my brain, but keeping every minute detail of spending is an overwhelming concept for me, much like the food diary that we all forget to keep. I thrive on guesstimates. I found calculating my monthly fixed expenses (things I couldn’t live without) a much simpler way to start. I mentally erased that money from my account and made everything else a bonus. Any time your situation changes, just make a new list of fixed expenses...........

    -$300 Tithe
    -$720 Rent
    -$55 Cell phone
    -$300 Car payment
    -$120 Car insurance
    -$80 Gasoline
    -$40 Electricity/Gas
    -$39 Gym
    -$176 Student Loans (SallieMae allows you to defer payment easily online if you are struggling financially)
    -$300 Lunch ($10 a day rather than carry anything)
    -$280 Voice lessons
    -$50 Dating service (Keeping hope alive internet style!)
    -$20 Coffee card (Sets a latte limit, but still allows for enjoyment.)
    -$2,604.00 Total

    Perhaps you have a hobby that you can’t live without doing. Make sure it’s in the budget so that you expect it. I’m a singer. I can’t live without voice lessons. While I was in New York City, I did a work exchange program at my voice studio, so my voice lessons ended up being free. I enjoy dance and my gym offered a lot of dance oriented classes which kept me going to the gym. Fitness is important to me, so I am willing to pay for it. Perhaps you don't feel like a man without playing golf every week. Perhaps you don’t feel like a woman unless you have a facial, mani, pedi once a month. I've even seen Metrosexual guys who really love that. Personally, I would rather save by doing my own nails, but that could be why you have a boyfriend and I don’t. Hmmm… I'll let you read my other stuff to decide on that. LOL.

  2. Reassess. Optional step. For example, if I'm only making $36,000/yr, I better cut something! Maybe coffee or maybe I should pack my lunch!! At the end of the year I don't want to think that I gave $240 to partake of my daily Devil's Cup! Maybe I only need $5 a day for lunch. Maybe I can get by on 2 voice lessons instead of 4. Write your new budget.

  3. Earning no interest on your savings and checking accounts isn’t good enough anymore. Your money can work for you, even without locking it away in some CD, IRA or whatever confusing thing you don’t understand. Online banks are rising in popularity, especially in our tech savvy generation. I researched online and found that banks offer up to 5% APY (Annual Percentage Rate Yield) something that I thought was a thing of the past. The banks link your new savings account to an existing checking account so you don’t have to change banks or give up friendly service. Some banks even offer a bonus to sign up online after you’ve had the account for 3 months.

    I feel a great loss over the years I wasted banking. Sometimes I was lured in by a free tshirt and a “free” college checking account. In return, they got to play with my money for free. I earned no interest for many years. When I moved to New York and changed branches, they gave me a pen with my name engraved on it as an apology for sending my checks to my South Carolina address. My rent check was late. My roommate was angry. I looked like a flake. They also forgot to switch my debit card to the new account. It took forever to straighten out that mess. I’m sure we could all do without that drama. All that was for an account that didn’t even earn interest!

  4. Stop using your credit cards if possible and never carry a balance. Save credit cards for emergencies. If you have read them, the Shopaholic books are seriously funny; but not in real life. You can use your debit card just as easily as a credit card, so there is no need to run to the bank or an ATM. Just make sure you know what you spent and how much you have left in your account! Even if you pay credit cards off every month, it still looks as if you are carrying a balance. This can hurt your credit rating in the future. I am telling you this to spare you from the embarrassment I suffered getting turned down as a co-signer for a lease on an apartment and the pained expression I got from the apartment manager. Worse, when I was doing a credit check for purchasing a condo, I didn’t hear, “How great, you pay off your accounts every month.” I heard, “Oh, it looks like you carry really high balances.” My reply, “But, I pay them off every month,” didn’t help my credit score one bit. That scared me into getting real control over my spending.

  5. Get free credit reports from all three credit reporting agencies—Experian, Equifax, and Transunion at http://www.annualcreditreport.com/, look for discrepancies and write to them when you find something incorrect. You can also get free credit reports by calling 1-877-322-8228. See your credit score on FreeCreditReport.com

  6. Start reading about finances. Banks often give free information on their websites, Suze Ormon has lots of advice for beginners in The Money Book for the Young, Fabulous and Broke. Another place to start without spending anything more than you already do for internet access is to check out http://www.mymoneyblog.com/ which is run by a guy who just tells what he did to save his money. Sites like Wikipedia also do a great job of explaining just about anything you might like to know about finances. Learn about finances from a Godly perspective by visiting http://www.crown.org/. My church in New York has made financial assistance part of their ministry. They help people with real money and they help people learn how to get ahold of their finances through this ministry. You are also welcome and definitely encouraged to keep reading my journey to financial savvy. Save me in your favorites!

I will let other gurus and advisors tell you more about prayer and tithing. I feel that the greatest stress for us YCCs comes from not knowing where the rest of our finances are going. I have gone from Young, Christian and Clueless to an Junior FSSC (Financially Savvy Single Christian.) Once I knew how much was going out in fixed expenses, I felt relieved. I even started to be able to save a little and tithe. My credit score went up from not using my credit cards. I disputed old accounts and had things removed from my credit reports. It would have been helpful to know about checking accounts that actually earn interest or savings accounts with higher interest yields sooner, but its never too late to learn. I still don’t understand everything the money gurus have to say, but I’m OK with that. I will learn more over time. Of course I’m still hoping and praying to meet the right guy!! But now it will be 2 FSSCs joining our Savvy portfolios together.

Sunday, July 22, 2007

Confessions of a Serial Dater

Just a note, I would be happy to post a guy's version of serial dating.

It started innocently...

I thought I would put an ad online to start meeting Christian guys in Manhattan with whom I had more in common. I was tired of getting hit on…the offers I got were not—to say the least—holy. Meanwhile, the guys at church did not seem to notice me in the dating way. I had met my last serious boyfriend online and had a relationship for almost a year, and a woman from my small group met, fell in love with and married a really great guy from online. I just knew I was next! I was just a personal ad away from Godly true love!

Guy #1 was “slender”, Episcopalian, and spoke Spanish. Try a few extra pounds, and barely being able to pronounce menu items at SeƱor Swanky’s. And like the Senor Swanky he was, he never removed his sunglasses. As we sat on a bench in Central Park, he revealed that he hated New York and women who wear pointy shoes. I had just moved there to pursue my dream of singing opera, was working for a New York charity and secretly wore pointy shoes.

Guy #2 from online was “a few extra pounds”, “thrifty”, a teacher at a Catholic school and Christian Scientist. Despite wrinkled clothes, orthopedic shoes, being the heaviest guy I ever went out with and his having to run to the bathroom to throw up, I gave him a chance. He gave me a sideways glance when he paid for dinner. We toured the new Mormon temple with its rooms that used to be racquetball courts in New York before it was blessed and closed to the public. (Free.) Later, at a 2 drink minimum show he said, “As a liberated woman, I wouldn’t deny you the pleasure of buying me a drink.” (Free.) He also lived with his mother, borrowed his sister’s cellphone and had never had a girlfriend at 27. (Priceless.)

Guy #3 was “athletic”, so I was intimidated. He was a deacon at his Lutheran church and a lawyer who spoke Spanish and Italian. He had gained 80 pounds and 10 years since the picture and started breathing harder as we walked up a hill in Central Park. We spent the day at the Met. Dinner was Italian with bad menu pronunciation. He later accused me of trying to kiss him in Penn Station at the end of our date. He is 6’2” and built like a truck, I’m 5’2” and had turned my cheek really hard, “Sorry, I don’t kiss on the first date.”

Guy #4…Had been in a Christian band. I knew we weren’t a match over Mexican, but it was too late for him to take someone else to see Van Halen. So I went. At the end of the concert he yelled at the coat check staff because he couldn’t find the claim ticket to pick up his backpack (it was in his hand). I mouthed to the staff “I’m sorry, First Date. Never again”. One of them mouthed, “Oh, God!” I barely spoke on the bus ride back to NYC. When I reached in my bag for my metrocard, I realized I still had his Van Halen souvenir hat that he asked me to hold. Oops! He called. I didn’t want to meet for lunch. I just wanted to mail it back only I couldn’t make it to the post office. He started calling daily and leaving nasty messages. He sent an email saying, “I know where you live, and if you don’t send it to me, I will take you to court.” Yikes! Finally, I just stuffed it in the mailbox with no postage so he could pick it up and pay for postage himself. Did I mention that he still lived with his mother at 42?

I fell into a rabbit hole chasing after love. Everything started to blur. Single, divorced, separated, never-separated from their mothers, white, latino, lawyer, teacher, professor, doctor, computer programmer, never-divorced, never-single, widowed-but-never-married, Lutheran, Christian Scientist, Episcoplian, Forgottoaskian, MBA, CFO, CPA--SOS!!!!

There were some I never met--the Catholic English professor who sent me a picture of himself wearing sunglasses and still lived with his parents at 38. I wondered if he was blind.

The divorced Christian actor and former youth pastor, heavily involved in his church, who asked me if I was a virgin during our first conversation.

The Christian NYU professor of music who just happened to be a cross-dresser. (I imagined showing up to a date where he wore the same dress, looked better in it and it was 1 size smaller.) I like men who wear man clothes. Maybe there were 28 other eharmony ways we were compatible?

The amazing writer who stuttered uncontrollably.

The man who demanded to know how many guys I was dating during our first conversation.

The Christian nurse, father of two and member of the local Audubon society who asked me what my favorite bird was. “Geese. When I lived in South Carolina migrating geese woke me up in the morning as they dove into a lake behind my apartment.” He asked, “You mean the geese that poop all over my kids’ playground so that they can’t use the swingset? They’re pests. I hate them” Uh…oops. He never called again.

Out of the ones I met, a Messianic Jewish CPA gave me a pocket Bible at the beginning of our date. Not flowers, but promising. Over Brazilian he told me I was very pretty, confessed that he wasn’t really divorced, said he never really felt married and asked, “So, what kind of pajamas do you wear?” Winner.

I decided these bad dates must be related to something in Manhattan water, or maybe just the online scene. I had to move, but before that I met…

“Bookstore guy”—a Columbia grad, looking to start a business. He took me to MOMA…I should have known! Art and dating are a bad combination. He was raised Christian, but not sure what he was anymore. Still, after Thai and a walk in Central Park we kissed while sitting on a park bench. This terrible kisser confessed to never having a girlfriend at 29. So, that’s why I found him in the self-help section! Never again! When he picked up on me I was looking to pick up a book that discussed how to end a date gracefully.

I met a guy through friends in Central Park on Easter Sunday…romantic! He showed promise…but going to the Met on the first date is just a bad sign. His quotable quote, “All guys go to strip clubs.” Those are the sweet things a girl longs to hear after a day the museum. Ew! I wish I could say I dumped him right away…I missionary dated, but he refused to go to church.

I met an opera friend for lunch—right after having a cavity filled. Every sip felt hot on one side and cold on the other, every word was slurred. This man of the world wears lifts in cowboy boots to stand 5’5” and has the looks to match the murderous men he portrays in operas. He wanted to help me stay in NYC and develop my singing career— if I would be his girlfriend and listen to his advice like, “I don’t want you to gain any more weight.” I told him I didn’t believe in premarital sex and wanted to get married and have kids NOW. He cautioned me to think about our careers and invited me for drinks back at his place. Of course he was a perfect gentleman and wouldn't so much as touch me. He begged me not to leave him eating alone, but I promised to meet with him the next day as he asked, kissed him on the cheek, walked calmly out of the restaurant, then ran three blocks. I didn’t answer his phone calls over the next few days.

A few hours later, I met my second date for the day—not that I knew the first was a date before I got there—a Messianic Jewish music professor from online who also tried to convince me to stay in New York and looked too much like my Russian Jewish uncle. My tongue was still 25% out, my mind on running away from the last date. We had a lot in common, but at 47, 5’4”, never married, he wasn’t sure what love felt like and that wasn’t enough reason for me to stay.

Within a month of my return to California, I had a record 5 dates in two weeks. My friends in New York couldn’t wait to hear the results! 1 was from online, 2 from a coffee place, and 2 from conventions. They all seemed nice, but, guys, here are some things NOT to say on a first date:

One apologized for being so tired. His ex-wife had threatened to commit suicide if he didn’t come back. He was at the hospital waiting with their children while she had her stomach pumped and drank activated charcoal. The good news: he really is divorced and attended church.

Two planned to attend seminary to pastor his own church, and proud to be a virgin at 30. He also had a penchant for discussing sexually explicit things. “I can’t believe my best friend said that in front of my sister.” I made the mistake of asking, “What’s that?” Never mind his sister, what about me?

Three, a social worker, had just quit going to his church because he had a problem with authority, and confessed to a troubled relationship with his ex-girlfriend because he didn’t show enough emotion. He said he really didn’t like happy people. I know misery loves company, but this company didn’t want to be miserable.

Four, a Jewish CPA, took me to a wonderful restaurant in Pasadena and gave me a new pair of designer athletic shoes. He seemed great, what could have gone wrong? “My ex-wife is a b----.” Oh. He also bragged about gambling and having enough money to use valet parking. 3 strikes on the fruit of the spirit. He enumerated a list of Christian girls who broke up with him or told him they could date “just for fun” because they envisioned a husband that would attend church. I said, “I have to admit I go to church more Sundays than not.”

Five. After several really great phone conversations, I met this newspaper editor over Mexican. He had been raised a Christian, but wasn’t that interested in going to church after all. His “ex” was in Biloxi dealing with Katrina. He was due to move out as soon as she got back. The children were at a friend’s that night… If I were the type who would go to a man’s apartment on the first date, he’d already answered, “So, why are the wedding pictures still up?” DivorcED, yeah right. DivorcING, maybe.

The next month I had two more dates:

Six. I was living with my parents after moving back from Manhattan, so I gave a hospital administrator who lived with his mother a chance. “A few extra pounds” turned out to be 300lbs. This Weight Watchers member had the nerve to ask me, “So, have you always struggled with your weight?” He called his ex-girlfriend a name, recounted a long list of bad online dates, and mentioned that his father had been abusive but he and his mother were better off when he left. Hello Oedipus! Via email, he accused me of using men as a meal ticket. But $25 for a 4.5 hour date works out to less than minimum wage. This “very, very spiritual” but not religious man also called me an Oompa Loompa and criticized how much I ate. His true spiritual gift was for insults, surely inherited from his abusive father. He’s still convinced he was a “perfect gentleman.” I sent a faux reply saying his message had not been delivered.

Seven. was an Armenian Orthodox Christian who was a graduate of UCLA, starting his own jewelry store, loved Classical music, opera and played piano. I sing opera. Nice. With a cigarette in his hand, he said he would never marry a non-Armenian older woman. “Hey, at least I’m being up front with you.” When he snuck a smooch, I thought, “This is why I don’t date smokers.” After the last guy, I was flattered, but there was much brushing, flossing and mouthwash when I got home. Being 10 years older and a non-Armenian I ignored his phone calls though he said much he enjoyed meeting me.

I removed my online profile. I’m still learning the art of ending a date gracefully—just when I think I have it figured out, something new comes up.

Despite all of this I helped plan a Valentine’s dinner for a Christian dating service. And yes, some nice, criminally-background-checked Christian guys who don’t live with their mothers showed up. I’ve been out with one of them and have plans to go out with another. Things are looking up.

(Except that one turned out to live with his aunt and uncle and told me that we shouldn't date because he couldn't see marrying me. The other turned out to be twice divorced with three children from the two marriages…these frogs could be someone else’s prince, so I threw them back into the pond. Who needs a prince? I’d be happy with nice duke…Marquis? Earl? Count? Viscount? Baron? Lord? Knight? Squire??)

Through it all, I keep my chin up and my head bowed in prayer. I have learned what I find acceptable and unacceptable. I make sure I don’t give out too much personal information to my prospective dates and always meet in safe, public places. I have learned to really listen to what men say as a sort of self-interested private detective.

Friday, July 20, 2007

Jealousy and Biore Strips

Quite some time ago I had a boyfriend who was nice enough to let me put a Biore strip on his nose.
I had tried them out and thought they did the best they could with my small pores. (Not well at all.) We had fun following the directions while locked away in the bathroom like teenagers. I made him wash his face, and then gently put it across his nose. I tapped it to test if it was dry and hard enough. I had a feeling it would work well on him, but no idea how well. When we pulled it off, I was astouded at the dark forest of blackheads and whiteheads on that strip. It left a perfect outline of his nose. The gunk usually gathers around the creases of your nostrils. For a few hours while we prepared Thanksgiving dinner with his daughter he would slip a cryptic comment, "My nose still feels funny." I would giggle and his daughter, 15 at the time, asked, "What? Why does your nose feel funny? What did you guys do? Daaad! Tell me!" I wished that my Biore strip would do that to me.

I have another exboyfriend I would like to give a Biore strip to. Way back in college we were dating and he had a pimple on his nose. He was good and didn't touch it. I'd rather try and do something about those suckers. Because he didn't help it along, it turned into probably the largest blackhead I have ever seen. 10 years later I saw him at someone's wedding or something and he still had it on his nose. I'm left with the nagging question...the next time I see him, do I tell him, or do I just hand him a strip and say, "Ummm, I've been meaning to give this to you since college. Pleasedon'tbemad." Then drop it in his hand and run away hoping he'll follow the directions?

In the event that he's single again and wants to be Savvy, I've decided to give everyone a few tips for improving their front view.

  1. The best time to use a Biore strip is after a nice warm shower. This helps my small pores, I'm certain it will help those of you who have the great fortune of having larger pores to really get that stuff out.

  2. Make sure your nose is wet now that it's clean. Voila! That thing will be soaked through and getting in every pore.

  3. Don't be discouraged. We all have little tiny peach fuzz hairs on our faces--both men and women. The strips do pull off some of those hairs in the process, but it doesn't hurt.

  4. Guys, if you want to try it out, I'm sure you can "innocently" ask your girlfriend to do it for you. She will think you are fun. Having had a brother who asked me to paint his nails, or other perfectly straight guys who painted their toenails black, maybe it just fits in with a guy's sense of adventure. The only way she would know what you're up to is if she reads this blog!

  5. Something else to try is adding vigorous excercise before the warm shower. I just tried this and found that it helped.

They don't need to be the Biore brand, there are other pore cleansing strips. I just tried the Safeway brand and I thought they did a little better than Biore. Just start trying them out and see which one works best for you.

Dates from Hell--The Accountant

The restaurant was empty except for two patrons. I sat across from the only other patron wondering what I would call him at the end of the date…He prattled on and on about how he didn’t like any vegetables but asparagus, how he had taken an IQ test online with several distractions and the score came out really high. If he had taken it under better conditions he surely would have done better, but still, he was a genius.

I already knew it wasn’t going to work before I got there. I feel like a terrible person for going anyway. He had called me in the morning and I felt no need to reply since it seemed like a leisurely, “Call me and leave a message and I‘ll get back to you.” Then he called again…I had my ringer off because I was busy. No need to listen to the message I thought. As I explored the depths of my purse for my phone, the light started blinking. I flipped it open and it was him yet again. “Oh, so you do answer your phone! Where are you?” he demanded to know.
“I’m on my way.”
“Yeah, but where are you?”
“I’m near, I’m on my way, OK?” I wasn’t even late.

I had called my friend Lauren and asked her to call me at 6:30. My phone interrupted our conversation three times--the temp agency offered me a job for two months. Thanks God. Next was a woman from a dating service who after a few niceties said, “You canceled your appointment and I was just a little surprised after all we had discussed.”
“Oh…I know. Can we talk later? I’m actually on a date right now.”
“Oh! OK dear.”

Perhaps I should have rescheduled right then and there. Part of my conversation with the dating service had been that accountants and surgeons would not be right for me. Here I was sitting across from an accountant. An obsessive complusive accountant.

My phone rang again and Lauren’s soothing voice asked our secret code question, “Hey, are you sitting down?”
“No, but it’s OK.”

“I’m so sorry," I said to him. "I guess this will go down in history as the “Cell Phone Date.”

I really was OK at the time. That was before I realized that he was going to thank the waiter in French every time he came by to fill our glasses and spoke to me in Yiddish. My cousins are Jewish. They don’t speak Yiddish.

We women go on these dates hoping to meet the One, but know deep down we will be compensated for our time with dinner and, “So do you wear pajamas?”
“Excuse me?” I said after swallowing my delicious salmon.
“Do you wear pajamas?”
“Why would you ask me something like that?”
“Oh, it was just stream of consciousness--nothing dirty or anything.”

His cell phone rang.

Out of boredom, I started playing with my hair while he talked. After he checked out my chest, he commented that Oprah had said playing with your hair is a sign of flirting, said he wanted to massage me and take me out again just so he could kiss me…well, I just didn’t think so.

Dessert was flan and if it hadn’t been, I would have been out of there before dessert. There was really so much more he said, but why belabor the point? I’m sure you get the idea. Next time I think I will bug myself so at least I won’t feel alone. I have great material for a comedy show, cabaret act or a screenplay.

To make him feel the heat of my discomfort, I ‘innocently’ asked, “So…how far do you think your divorce is from being final? Are you legally separated?” He had no clue what a legal separation was. I don’t know New Jersey law, but every state has to have some kind of legal separarion, right?

I found him explaining to me that he had never felt truly married after the ceremony because nothing had changed for him. He had told her that he was Christian now and that he didn’t want to marry her, but she guilted him into it. Of course, his church and pastor were 100% behind him in granting this divorce because she was keeping him from practicing his faith and would argue with him about going to church.

Oh, really?

I just couldn’t believe that was their only problem. It’s interesting. The only woman that would have wanted to marry this man and he drove her away.

Why Men Won't Commit to Marriage

I did NOT make this up, but I'm relying on your comments about this. It seems like many people--both men and women are delaying marriage for a variety of reasons. Do you agree with what The National Marriage Report from Rutger's University has to say? Which ones are true for Christians? Are there any that are true for Christians that aren't listed? How does this change things in how we relate to the world?

The TOP TEN reasons why men don't want to marry:

1. They can get sex without marriage more easily today than in times past.
2. They can enjoy the benefits of having a wife by cohabitating rather than marrying.
3. They want to avoid divorce and its financial risks.
4. They want to wait until they are older to have children.
5. They fear marriage will require to many changes and compromises.
6. They are waiting for the perfect soulmate and she hasn't yet appeared.
7. They face few social pressures to marry.
8. They are reluctant to marry a woman who has already had children.
9. They want to own a house before they get a wife.
10.They want to enjoy single life as long as they can.

Personal commentary:

If you ask me, it's an uphill battle. Relationships move very quickly and people want the goodies without the work. I've often been told by friends and family alike that I should seperate love and marriage from sex or that I should stop being such a prude. What gives them the right to judge me or call me anything? Am I a prude or are some of the people I love just a little too free? I know that some people agree with my choice of lifestylfe wholeheartedly. I know that I wouldn't be a prude with the right guy and the blessing of the Lord in marriage. END.

Are You Single or Unmarried? Bizarro World Real Estate Paperwork

There are few strange legal terms about real estate that everyone should know.

Before you buy tax defaulted property like I'm considering or any other property, you must know how how it will be vested. That's just the legalese way of properly listing the owner of the property. This is beyond your name. It has to do with how the property will be treated later on. Should you pass away, or if you are married and later divorce, or marry but still want to retain sole property rights.

In real estate, you can purchase property as a business--but there are many kinds of businesses. Considering our status as Savvy Singles, we night be interested in buying property for ourselves. On your forms, you will mark that you are a Single Man or a Single Woman. If you marry, you will never be single again--at least according to the law. If you are single again after a divorce, you are either an unmarried man or an unmarried woman. If your spouse passed away, you are a widower (man) or widow (woman). A married man or woman can either buy property alone or share ownership with their husband or wife. An old family friend lost her house to her second husband after her second marriage failed. (I won't go into the details, but it's best not to be too judgmental.) If you buy property with friends, that could be a really big mess, but there are ways of doing that also. I will save that for another post. END

Wednesday, July 18, 2007

Savvy Single Christian

to know; understand, practical understanding, common sense, shrewdness, intelligence. –noun

We live in an everchanging world. It's essential that we be in the know as Christians. We need to be able to relate to each other and to the world in meaningful ways. As singles, we are divided into a seperate world by the church which doesn't always seem to understand what to do with us. There is so much that we need to know about to function in our new world. I want to give a voice to that change. A voice that is real and practical. I hope you will enjoy reading.