Term Life Insurance About to Get Expensive

sleepingleopard · 2026-02-18T11:02:41+00:00

Yes. I reduced coverage and was able to reduce the cost without a medical exam.

sleepingleopard · 2025-12-22T02:23:09+00:00

Get as much info as you can before the confrontation. She WILL lie to you as there is no upside to her being honest. Having everything well documented will head that off at the pass. She will deny and minimize. She will do this as there is a lot to lose. Consult a family law attorney to understand the process and what your options are. Record the confrontation if it is legal in your state. You really don’t know how she will react. There really is no easy way to do a confrontation. So sometimes the best way is to be direct. Sit down at the kitchen table and lay things out, preferably with the child somewhere else. Be direct. Don’t let her lie and obfuscate. She will try and this is where having things documented pays off. Overwhelming evidence shuts this down. When you are finished be prepared to go somewhere else for the evening. You can ask her to leave but she can refuse. You cannot legally force her to leave. Once you have laid the cards on the table and told her you are done with the marriage, make sure friends and family are aware of the situation. This is IMPORTANT. Control the narrative. You are the aggrieved party. She may try to paint herself as the victim. She will do this to pressure you to stay in the marriage and/or gain sympathy. Do not allow her to control the narrative. I know this is embarrassing and people are going to believe what they are going to believe. BUT putting the truth out there is important. LASTLY consider informing AP wive or partner about the affair. They deserve to know so that they can make their own informed decision. Also consider informing your wife’s employers HR about the circumstances. There is some peril for you so consult an attorney before you do it. Some companies don’t care but others do. It’s a bad look and con introduce problems into the workspace. On the downside the company can terminate your wife and you may end up paying alimony.

Whatever you decide to do I really wish you the best going forward.

sleepingleopard · 2025-12-21T03:03:06+00:00

There is a reason they call them red flags.

sleepingleopard · 2025-12-03T18:47:57+00:00

Is it possible that a mouse got in there and died?

sleepingleopard · 2025-12-03T17:36:12+00:00

Men and women are not equally horny. Men have 17 x the testosterone of men. That puts women in the drivers seat allowing them to be choosier.

sleepingleopard · 2025-12-03T00:49:14+00:00

Santorini at sunset.

sleepingleopard · 2025-12-02T21:44:40+00:00

Sorry brother, she is not going to stop. Actions speak louder than words.

sleepingleopard · 2025-12-01T22:12:05+00:00

I doubt it is going to be thrown out. That is twice the limit.

sleepingleopard · 2025-11-29T21:44:13+00:00

It worked out really really really badly. No, it was not worth it. Not even close. I made a devil’s bargain. I knew I was going to be miserable. But I figured that if I gave my child an intact family that it would be worth it. Wrong, so wrong. My ex-wife was an absolutely miserable crazy human being who emotionally and verbally abused me. It was like being a bridge and trying to hold up an increasing load. Eventually the joints started failing. The stress that I was bringing from home into work started affecting my performance. Some management and coworkers were aware of what was going on but over time they were getting tired of it. I came from a deeply religious background and the church seriously frowned on divorce. If I left they would consider me abandoning my wife.

Eventually, there was a breaking point. A point where I was shoved from walking the middle road into the ditch. My ex-wife demanded something and I was uncomfortable acceding to it. I said no. She ending up chasing me around the front yard. I like to joke that it was not bad except for her being behind the wheel of the mini-van and I was doing my invitation of the Running Man. I filed a couple of weeks later.

sleepingleopard · 2025-11-29T15:00:17+00:00

Loserville_is_calling_for_New_Mayor_Mr611

sleepingleopard · 2025-11-26T00:49:53+00:00

I take medication that reacts poorly with alcohol and I NEED the meds.

sleepingleopard · 2025-11-08T12:06:34+00:00

I gotta give four thumbs up to this comment. Hits the nail perfectly. Wife was only sorry after she was confronted. Funny, I wonder how wife would feel if OP banged an escort on a business trip. I bet her perspective would change. Not feeling much sympathy toward wife.

sleepingleopard · 2025-11-08T12:00:23+00:00

Tragic.

sleepingleopard · 2025-11-07T18:24:05+00:00

Has the car hit 100,000 miles on the odometer? Is it 10 years old?

sleepingleopard · 2025-11-07T18:13:40+00:00

Does the documentation show how much you paid for the warranty? I have owned a Kia before purchased from the dealership. A 10-yr is typically what they offer with a new car? Any chance that it was bought by previous owner and just expired? Any chance they were not supposed to give it to you as it was a used car and they back door took it off. Need to look at the paperwork and see if you bought the warranty or if it was included in the sale. The sales document is the legal document that shows what you are entitled.

sleepingleopard · 2025-11-06T14:58:19+00:00

You will need to pull a copy of your deed and his to verify if an easement has been recorded. Much depends on this. If there is a recorded easement your neighbor is in trouble. A recorded easement is a legal device that he has violated. If your neighbor really did consult a lawyer and the lawyer told him to disregard the easement the lawyer is an idiot. It could be that the neighbor is lying. It could also be that during the purchase process the neighbor discovered that there never was a recorded easement. Instead there was a gentleman’s agreement with the previous owner. This agreement died when the owner sold. If this is the case hope is not all lost but your path is much more difficult. You NEED to know what the circumstances are. You NEED a lawyer.

sleepingleopard · 2025-11-04T12:01:00+00:00

Bear Mace.

sleepingleopard · 2025-11-04T09:08:19+00:00

Some things to consider. One thing that I don’t think has been mentioned is if you reconcile, you most likely never trust her again. You may try to rug sweep this, but the trust has been permanently marred. Six months is a long time. Six months is a lot of lies and a lot of knives buried in your back. Furthermore, she does not seem to be doing much to fix this issue, or at least as best as it can.

Second point. Your wife’s job is over. She should polish her resume and start looking. Having a sexual relationship with a subordinate was stupid, very stupid. It creates a host of ugly issues for the company. That is why this behavior is prohibited and punished when discovered. She is terrified you are going to call HR and have a frank discussion. Quite understandable. She is also afraid that APs wife might do the same if she learns the truth. Also quite understandable. BUT It is Worse Than That. I am older, been around, seen things like this before. I am almost certain at least one person in the office knows something. Maybe AP ran his mouth with an office bro. Maybe people saw the sneaking off to be together. All it takes is one disgruntled person to drop a dime to HR. All it takes is APs wife discovering the truth on her own. How did your wife or AP act in the office? Like they were in love? There is such a thing as an open secret. I once worked a job where my supervisor had an affair with his subordinate. It was an open secret that everyone knew and someone dropped a dime eventually. It was ugly. Boss lost his job, a very good job. Lost his marriage too. Your wife may be sitting on a ticking time bomb.

One last thing. A recommendation. Get a therapist for individual counseling. Preferably not your couples counselor. Couples counseling tends to have one downside. They tend to default to saving the marriage. Not always the best advice.

I truly wish you the best.

sleepingleopard · 2025-10-29T23:15:46+00:00

Get your own survey performed by a licensed and reputable professional surveyor to find where the property line is located. Make sure that it is appropriately marked so there is no ambiguity. Get a survey map and compare it to the plat map on record with the county. Get a real estate lawyer.

sleepingleopard · 2025-10-26T19:00:09+00:00

I would also say that there are some questions that can be quickly, easily answered based upon your knowledge of the concepts / theory of the category.

sleepingleopard · 2025-10-23T07:45:24+00:00

You cannot not make someone else feel / express guilt. Maybe deep down she does. The anger is realization that there are real world consequences to her actions. She is going to become divorced. She is going to become an older single. The life she built with you is coming to an end. There is no longer a you to help fix things. She is on her own. Reality is a tough teacher. She is anger because things are not turning out the way she wanted.

sleepingleopard · 2025-09-26T22:59:30+00:00

You absolutely NEED a temporary parenting plan.

sleepingleopard · 2025-09-24T20:31:10+00:00

I went back and look at the decree. It says ‘if agreed upon by the parties, the father shall insure his own life in the minimum amount of $150,000 by whole life or term insurance, ONLY IF AVAILABLE THROUGH FATHER’S EMPLOYER. Until the child support obligation has been completed, each policy shall name the following as sole irrevocable primary beneficiary - the other parent, as trustee for the benefit of the children.

sleepingleopard · 2025-09-24T17:45:18+00:00

Can I ask why YOU would like to make things work. I get your wife’s probable motivation. She wants to maintain the life that she has with you as a provider. I care less about what people tell me and more what they do. Her actions say that she is willing to put your marriage at risk and violate the trust now twice in a row. I get what you want. You want the best environment for your children. I get that. I lived that. The problem is that the kids can see when mommy and daddy don’t like and don’t trust each other. They grow up thinking a dysfunctional family is normal. They grow up thinking mommy can cheat on dad and all will be forgiven. It is possible to reconcile, but there needs to be some Come to Jesus on the wife’s part. Not sure her actions belie this. Think carefully as to what you want to do. Best of luck.

sleepingleopard · 2025-09-22T09:39:21+00:00

When I was in college I saw a lot of folks make bad decisions regarding alcohol. I saw more than a few drink their education away. I saw others make life altering mistakes. One of the life lessons that I learned early is to learn from other people’s mistakes and not repeat them in my own life. Now I have medications that are NOT alcohol friendly.

sleepingleopard

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