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	<title>Comments on: Reader Mailbag: Family and Friends</title>
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	<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: Jen</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933675</link>
		<dc:creator>Jen</dc:creator>
		<pubDate>Tue, 28 Dec 2010 14:37:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933675</guid>
		<description><![CDATA[I disagree with the comment on sports players. I don&#039;t think the players should get more money until they start offering the same deal to students who excel in academics. Colleges give people in sports tons more money than people who are going there for academics. That has always and will continue to annoy me. Those of us on the honor roll still struggled to get money for school but all the sports players at my high school who got C&#039;s  and D&#039;s went to college for free. I won&#039;t even touch on the special treatment that sports players get in high school and college get. Such a double standard. And then they would get MORE $$$??? Such crap! I think if I got a free ride to college and the opportunity to play college ball I would be incredibly grateful, not looking for a handout. I know this isn&#039;t reality, but that is really depressing that they would expect more money :(]]></description>
		<content:encoded><![CDATA[<p>I disagree with the comment on sports players. I don&#8217;t think the players should get more money until they start offering the same deal to students who excel in academics. Colleges give people in sports tons more money than people who are going there for academics. That has always and will continue to annoy me. Those of us on the honor roll still struggled to get money for school but all the sports players at my high school who got C&#8217;s  and D&#8217;s went to college for free. I won&#8217;t even touch on the special treatment that sports players get in high school and college get. Such a double standard. And then they would get MORE $$$??? Such crap! I think if I got a free ride to college and the opportunity to play college ball I would be incredibly grateful, not looking for a handout. I know this isn&#8217;t reality, but that is really depressing that they would expect more money :(</p>
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		<title>By: Diana @ frontyardfoodie</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933581</link>
		<dc:creator>Diana @ frontyardfoodie</dc:creator>
		<pubDate>Sun, 26 Dec 2010 23:33:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933581</guid>
		<description><![CDATA[Marriage, it IS about love. Love encompasses all the other things that are involved in the decision to marry from financial issues, commitment issues, trust, sacrifice and everything else.

My marriage is successful because of love. We love eachother so much that we come to equal compromises about how we use our money, we love eachother so much that we choose how to raise our child, we love eachother so much that we want to sacrifice small parts of our independence for one another, we love eachother so much that we want to spend the rest our lives enjoying the company of the other. I love that he fixes the computer and hosts my website, he loves that I&#039;m a whiz in the kitchen. 

There&#039;s no &#039;business&#039; about it. There&#039;s no separation between love and marriage. 

Marriage may be a contract but it would (or should) never be signed if love isn&#039;t the reason.]]></description>
		<content:encoded><![CDATA[<p>Marriage, it IS about love. Love encompasses all the other things that are involved in the decision to marry from financial issues, commitment issues, trust, sacrifice and everything else.</p>
<p>My marriage is successful because of love. We love eachother so much that we come to equal compromises about how we use our money, we love eachother so much that we choose how to raise our child, we love eachother so much that we want to sacrifice small parts of our independence for one another, we love eachother so much that we want to spend the rest our lives enjoying the company of the other. I love that he fixes the computer and hosts my website, he loves that I&#8217;m a whiz in the kitchen. </p>
<p>There&#8217;s no &#8216;business&#8217; about it. There&#8217;s no separation between love and marriage. </p>
<p>Marriage may be a contract but it would (or should) never be signed if love isn&#8217;t the reason.</p>
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		<title>By: SwingCheese</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933510</link>
		<dc:creator>SwingCheese</dc:creator>
		<pubDate>Sat, 25 Dec 2010 03:57:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933510</guid>
		<description><![CDATA[Re: Christmas Trees. I can&#039;t speak to the &quot;tree&quot; itself, but it was common practice for ancient Romans to decorate their homes with evergreen garlands for Saturnalia, which was celebrated at the end of December.]]></description>
		<content:encoded><![CDATA[<p>Re: Christmas Trees. I can&#8217;t speak to the &#8220;tree&#8221; itself, but it was common practice for ancient Romans to decorate their homes with evergreen garlands for Saturnalia, which was celebrated at the end of December.</p>
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		<title>By: jim</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933505</link>
		<dc:creator>jim</dc:creator>
		<pubDate>Sat, 25 Dec 2010 00:10:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933505</guid>
		<description><![CDATA[Q8, if a stock broker goes bankrupt then you should not simply lose your investments.   Your stocks and bonds should be registered in your name so they should simply transfer to you.  The broker can not raid those and sell them as they are in your name.   The real risk is in the case of fraud like pyramid schemes.   Also the SIPC insures up to $500k per individual for the situation where stocks &#039;disappear&#039; or are &#039;lost&#039;.]]></description>
		<content:encoded><![CDATA[<p>Q8, if a stock broker goes bankrupt then you should not simply lose your investments.   Your stocks and bonds should be registered in your name so they should simply transfer to you.  The broker can not raid those and sell them as they are in your name.   The real risk is in the case of fraud like pyramid schemes.   Also the SIPC insures up to $500k per individual for the situation where stocks &#8216;disappear&#8217; or are &#8216;lost&#8217;.</p>
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		<title>By: jim</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933504</link>
		<dc:creator>jim</dc:creator>
		<pubDate>Sat, 25 Dec 2010 00:05:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933504</guid>
		<description><![CDATA[Q1, Courtneys roommate is responsible for fixing the couch.  It doesn&#039;t matter if the couch is expensive or &#039;too&#039; expesive or whatever, if your dog shreads someones couch you should fix it.   And this is not Courney&#039;s fault in any way, she wasn&#039;t responsible for telling the roommate in advance that if the dog ruins her stuff that it should be paid for.  That goes without saying.   Ideally the couch should be made as good as new.   But the roommate may not be able to afford that so maybe they can compromise and find a cheaper solution.  But really the roomate should fix the couch, no questions asked and no argument.   Whether or not she can afford to is another issue.  If she can&#039;t afford it then you can hardly ask her to do it.   

The dog and couch should be separated.]]></description>
		<content:encoded><![CDATA[<p>Q1, Courtneys roommate is responsible for fixing the couch.  It doesn&#8217;t matter if the couch is expensive or &#8216;too&#8217; expesive or whatever, if your dog shreads someones couch you should fix it.   And this is not Courney&#8217;s fault in any way, she wasn&#8217;t responsible for telling the roommate in advance that if the dog ruins her stuff that it should be paid for.  That goes without saying.   Ideally the couch should be made as good as new.   But the roommate may not be able to afford that so maybe they can compromise and find a cheaper solution.  But really the roomate should fix the couch, no questions asked and no argument.   Whether or not she can afford to is another issue.  If she can&#8217;t afford it then you can hardly ask her to do it.   </p>
<p>The dog and couch should be separated.</p>
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		<title>By: jim</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933503</link>
		<dc:creator>jim</dc:creator>
		<pubDate>Fri, 24 Dec 2010 23:59:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933503</guid>
		<description><![CDATA[kat, if your post had any links in it then it may have automatically been put into &#039;moderation&#039; which means it is just sitting waiting for manual approval.  If you repost the content without the link it will probably work.  I doubt Trent is manually deleting things or manually denying posts.]]></description>
		<content:encoded><![CDATA[<p>kat, if your post had any links in it then it may have automatically been put into &#8216;moderation&#8217; which means it is just sitting waiting for manual approval.  If you repost the content without the link it will probably work.  I doubt Trent is manually deleting things or manually denying posts.</p>
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		<title>By: Mike</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933498</link>
		<dc:creator>Mike</dc:creator>
		<pubDate>Fri, 24 Dec 2010 22:04:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933498</guid>
		<description><![CDATA[@Nona; I&#039;ve been married for almost 25 years to the same woman and I wouldn&#039;t trade that gift for anything.  Love is more than feelings, it is caring deeply and acting selflessly for the other person, not because of any endearing quality of the other person, but simply as an act of self sacrificial love.  That&#039;s what the Greeks called agape.]]></description>
		<content:encoded><![CDATA[<p>@Nona; I&#8217;ve been married for almost 25 years to the same woman and I wouldn&#8217;t trade that gift for anything.  Love is more than feelings, it is caring deeply and acting selflessly for the other person, not because of any endearing quality of the other person, but simply as an act of self sacrificial love.  That&#8217;s what the Greeks called agape.</p>
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		<title>By: Mol</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933473</link>
		<dc:creator>Mol</dc:creator>
		<pubDate>Fri, 24 Dec 2010 15:20:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933473</guid>
		<description><![CDATA[Good Morning Trent,
Me and my fiance are looking to open a joint checking account with a credit union, but I was unable to find this option to compare rates at bankrate.com Do you know any websites to compare rates as thoroughly on checking accounts with credit unions? Thank you.]]></description>
		<content:encoded><![CDATA[<p>Good Morning Trent,<br />
Me and my fiance are looking to open a joint checking account with a credit union, but I was unable to find this option to compare rates at bankrate.com Do you know any websites to compare rates as thoroughly on checking accounts with credit unions? Thank you.</p>
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		<title>By: renee</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933472</link>
		<dc:creator>renee</dc:creator>
		<pubDate>Fri, 24 Dec 2010 15:13:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933472</guid>
		<description><![CDATA[&quot;Lonely Christmas&quot;- my first Christmas without the kids I made special for me. I bought a small pack of good coffee, candles, bath salts, a movie I wanted to see, cooked foods I liked but nobody else did. Spoil yourself, that is your Christmas gift to you. Make it special for you, it kind of recharges your soul.]]></description>
		<content:encoded><![CDATA[<p>&#8220;Lonely Christmas&#8221;- my first Christmas without the kids I made special for me. I bought a small pack of good coffee, candles, bath salts, a movie I wanted to see, cooked foods I liked but nobody else did. Spoil yourself, that is your Christmas gift to you. Make it special for you, it kind of recharges your soul.</p>
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		<title>By: Mel</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933465</link>
		<dc:creator>Mel</dc:creator>
		<pubDate>Fri, 24 Dec 2010 11:24:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933465</guid>
		<description><![CDATA[@Q7: Coming from the Southern Hemishpere, I had my first 27 or so Christmases in summer. I&#039;m not at all religious, and then Christmas was about seeing family and friends, smiles and happiness, and of course food! This is my 3rd winter Christmas (and first white Christmas!) and those things still apply, but it&#039;s also about keeping warm in the kitchen in the dark evenings, baking cookies with my in-laws and having light around. It&#039;s something to look forward to when it&#039;s -10 celsius outside. It&#039;s a bright spot in an otherwise cold and dark period - something my native country sorely misses in winter!

@Bill (#28) Here in Central Europe (right next to Austria) Dec 5 is St Nicholas&#039; day. Traditionally, St Nicholas travels with an angel and a devil (never quite worked the exact translation, but he doesn&#039;t have a name). Children sing a song for St Nicholas, and good children are given something nice. Bad children are taken away in the devil&#039;s sack. My boyfriend tells me about being *really* scared when he was small that the devil would take him away! It&#039;s becoming more about kids wearing flashing horns, but I have seen at least one group with 2 extremely scary devils.

@Q3 Perhaps I have a slightly unique perspective on marriage - my parents lived together but never married. Until I was 14 I assumed they were married. My boyfriend (ok, fiance) are getting married next year - for me it&#039;s not important, but we want a family and for him it is important to be married first.  So I guess for us the &#039;marriage&#039; part is purely practical (although here there are no tax etc benefits), but that isn&#039;t to say the relationship is. He is my best friend, we can talk about and share everything, we&#039;re there for each other always, we play together, are silly together and bring out the child in each other. We also work well together (in &#039;job&#039; work and in household etc work), most of our beliefs and values are the same or compatible (or we know where the compromise is), have similar hopes and dreams and all the other practical things. To me, that&#039;s what love is - both of those things. The marriage part is just a label, which may or may not give legal or financial benefits. But the intangibles are absolutely required. I can&#039;t wait to raise children with him, share my life with him and to be old with him. Without that, why be with him - with or without a label?]]></description>
		<content:encoded><![CDATA[<p>@Q7: Coming from the Southern Hemishpere, I had my first 27 or so Christmases in summer. I&#8217;m not at all religious, and then Christmas was about seeing family and friends, smiles and happiness, and of course food! This is my 3rd winter Christmas (and first white Christmas!) and those things still apply, but it&#8217;s also about keeping warm in the kitchen in the dark evenings, baking cookies with my in-laws and having light around. It&#8217;s something to look forward to when it&#8217;s -10 celsius outside. It&#8217;s a bright spot in an otherwise cold and dark period &#8211; something my native country sorely misses in winter!</p>
<p>@Bill (#28) Here in Central Europe (right next to Austria) Dec 5 is St Nicholas&#8217; day. Traditionally, St Nicholas travels with an angel and a devil (never quite worked the exact translation, but he doesn&#8217;t have a name). Children sing a song for St Nicholas, and good children are given something nice. Bad children are taken away in the devil&#8217;s sack. My boyfriend tells me about being *really* scared when he was small that the devil would take him away! It&#8217;s becoming more about kids wearing flashing horns, but I have seen at least one group with 2 extremely scary devils.</p>
<p>@Q3 Perhaps I have a slightly unique perspective on marriage &#8211; my parents lived together but never married. Until I was 14 I assumed they were married. My boyfriend (ok, fiance) are getting married next year &#8211; for me it&#8217;s not important, but we want a family and for him it is important to be married first.  So I guess for us the &#8216;marriage&#8217; part is purely practical (although here there are no tax etc benefits), but that isn&#8217;t to say the relationship is. He is my best friend, we can talk about and share everything, we&#8217;re there for each other always, we play together, are silly together and bring out the child in each other. We also work well together (in &#8216;job&#8217; work and in household etc work), most of our beliefs and values are the same or compatible (or we know where the compromise is), have similar hopes and dreams and all the other practical things. To me, that&#8217;s what love is &#8211; both of those things. The marriage part is just a label, which may or may not give legal or financial benefits. But the intangibles are absolutely required. I can&#8217;t wait to raise children with him, share my life with him and to be old with him. Without that, why be with him &#8211; with or without a label?</p>
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		<title>By: deRuiter</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933464</link>
		<dc:creator>deRuiter</dc:creator>
		<pubDate>Fri, 24 Dec 2010 10:26:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933464</guid>
		<description><![CDATA[Nashville,  Trent&#039;s correct, move to Nashville with  JOB.  Work on your sideline around your job.  As a person who graduated with a degree in finance and is broke and in debt, perhaps your decision making skills are not the best.  The job climate is very tough right now, with hoards of desperate people unemployed or underemployed.  The likelihood of your becomeing a smash success in a glamour business like country western music management isn&#039;t all that great.  It seems to me that with the ability of any person with a CD burner to copy music for free, that this is not perhgaps such a growth industy, but then I don&#039;t know! Any glamour / entertainment industry has loads off capable competition.  You having a job to support yourself would be a leg up for you.  After graduation you sponged for a year off friends, and now you are sponging off your folks, and you are still in debt despite a degree in finance.  Maybe you better get a part time job as a pizza delivery man or waiter and not move to Nashville until you are debt free and have job.]]></description>
		<content:encoded><![CDATA[<p>Nashville,  Trent&#8217;s correct, move to Nashville with  JOB.  Work on your sideline around your job.  As a person who graduated with a degree in finance and is broke and in debt, perhaps your decision making skills are not the best.  The job climate is very tough right now, with hoards of desperate people unemployed or underemployed.  The likelihood of your becomeing a smash success in a glamour business like country western music management isn&#8217;t all that great.  It seems to me that with the ability of any person with a CD burner to copy music for free, that this is not perhgaps such a growth industy, but then I don&#8217;t know! Any glamour / entertainment industry has loads off capable competition.  You having a job to support yourself would be a leg up for you.  After graduation you sponged for a year off friends, and now you are sponging off your folks, and you are still in debt despite a degree in finance.  Maybe you better get a part time job as a pizza delivery man or waiter and not move to Nashville until you are debt free and have job.</p>
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		<title>By: Jeroen</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933462</link>
		<dc:creator>Jeroen</dc:creator>
		<pubDate>Fri, 24 Dec 2010 09:44:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933462</guid>
		<description><![CDATA[@Q7: I think Trent is wrong on the christmas light thing. I seem to remember from my history classes that pre-christians used candles during the winter Soltice to &#039;call in the light&#039; and keep away bad spirtis on the longest night of the year.

The fact that they used a christmas tree, is because it keeps it leaves and was, therefore, a symbol of life during the winter. Or something like that.]]></description>
		<content:encoded><![CDATA[<p>@Q7: I think Trent is wrong on the christmas light thing. I seem to remember from my history classes that pre-christians used candles during the winter Soltice to &#8216;call in the light&#8217; and keep away bad spirtis on the longest night of the year.</p>
<p>The fact that they used a christmas tree, is because it keeps it leaves and was, therefore, a symbol of life during the winter. Or something like that.</p>
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		<title>By: Bill</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933454</link>
		<dc:creator>Bill</dc:creator>
		<pubDate>Fri, 24 Dec 2010 01:56:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933454</guid>
		<description><![CDATA[I learned this year for the first time about Krampus, google it. He was the evil guy that traveled with Saint Nick and punished the bad kids. They still do this is Austria on December 5th. Men dress up in scary mask and wonder around town scaring little kids. Sounds kinda fun.]]></description>
		<content:encoded><![CDATA[<p>I learned this year for the first time about Krampus, google it. He was the evil guy that traveled with Saint Nick and punished the bad kids. They still do this is Austria on December 5th. Men dress up in scary mask and wonder around town scaring little kids. Sounds kinda fun.</p>
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		<title>By: kat</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933453</link>
		<dc:creator>kat</dc:creator>
		<pubDate>Fri, 24 Dec 2010 01:36:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933453</guid>
		<description><![CDATA[Trent, my comment about christmas traditions was not posted please let me know what you thought would be offensive in it. I truly was not trying to offend, and really was interested in the legends you mentioned.]]></description>
		<content:encoded><![CDATA[<p>Trent, my comment about christmas traditions was not posted please let me know what you thought would be offensive in it. I truly was not trying to offend, and really was interested in the legends you mentioned.</p>
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		<title>By: Bill</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933452</link>
		<dc:creator>Bill</dc:creator>
		<pubDate>Fri, 24 Dec 2010 01:27:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933452</guid>
		<description><![CDATA[@Q10 Best Christmas carol

Hands down Carol of the bells!!!

I don&#039;t know the musical term for it but I like it when 1/2 the singers start later. I heard it sang once live with 3 ladies singing at offsetting times and it was fantastic.]]></description>
		<content:encoded><![CDATA[<p>@Q10 Best Christmas carol</p>
<p>Hands down Carol of the bells!!!</p>
<p>I don&#8217;t know the musical term for it but I like it when 1/2 the singers start later. I heard it sang once live with 3 ladies singing at offsetting times and it was fantastic.</p>
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		<title>By: krisitne</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933450</link>
		<dc:creator>krisitne</dc:creator>
		<pubDate>Fri, 24 Dec 2010 01:14:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933450</guid>
		<description><![CDATA[Kerry,
I like your interpretation. And I have no idea why Trent skirts the word pagan. Christmas trees are an adopted pagan ritual. Modern day Wiccans have a closer ancient relationship to Christmas trees than Christians do. Anyway, I am an atheist, and I love my childhood baptist ritual of a tree, advent and Santa, and perpetuate them. To me they represent the warmth of love and family and friends in the cold of winter.

Arvin- well said. A religious marriage and a legal marriage are indeed 2 different things. If people have religious beliefs forbidding- fine, let it be forbidden in your church until that institution evolves, or not. As far as our presumably secular non-religiously discriminating gov goes, I see no logical reason why gay marriage between 2 consenting adults is not legal. Perhaps the reason is really IRS based.

Michelle,
Excellent statement of what it takes for a marriage to succeed.]]></description>
		<content:encoded><![CDATA[<p>Kerry,<br />
I like your interpretation. And I have no idea why Trent skirts the word pagan. Christmas trees are an adopted pagan ritual. Modern day Wiccans have a closer ancient relationship to Christmas trees than Christians do. Anyway, I am an atheist, and I love my childhood baptist ritual of a tree, advent and Santa, and perpetuate them. To me they represent the warmth of love and family and friends in the cold of winter.</p>
<p>Arvin- well said. A religious marriage and a legal marriage are indeed 2 different things. If people have religious beliefs forbidding- fine, let it be forbidden in your church until that institution evolves, or not. As far as our presumably secular non-religiously discriminating gov goes, I see no logical reason why gay marriage between 2 consenting adults is not legal. Perhaps the reason is really IRS based.</p>
<p>Michelle,<br />
Excellent statement of what it takes for a marriage to succeed.</p>
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		<title>By: Kerry D.</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933444</link>
		<dc:creator>Kerry D.</dc:creator>
		<pubDate>Thu, 23 Dec 2010 23:38:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933444</guid>
		<description><![CDATA[On Why Christmas: another way to think about it, if Christianity isn&#039;t a strong belief for you, is as a part of a Festival of Light--celebrated around the Solstice, similarly Hanukkah, where Light overcomes darkness... literally the Solstice celebrates the point where daylight begins to overcome darkness (astronomically speaking, nights become shorter.)  To me, in the broadest sense, it becomes a statement of the presence of hope. And all those jillions of lights burning up lots of electricity echo that statement, so I kinda like it.]]></description>
		<content:encoded><![CDATA[<p>On Why Christmas: another way to think about it, if Christianity isn&#8217;t a strong belief for you, is as a part of a Festival of Light&#8211;celebrated around the Solstice, similarly Hanukkah, where Light overcomes darkness&#8230; literally the Solstice celebrates the point where daylight begins to overcome darkness (astronomically speaking, nights become shorter.)  To me, in the broadest sense, it becomes a statement of the presence of hope. And all those jillions of lights burning up lots of electricity echo that statement, so I kinda like it.</p>
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		<title>By: Marle</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933439</link>
		<dc:creator>Marle</dc:creator>
		<pubDate>Thu, 23 Dec 2010 20:49:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933439</guid>
		<description><![CDATA[Oh, ok arvin.  I get your point.

I agree, I think we both want consistancy.  I think marriage should be allowed for polygamy and incest as well, though polygamy needs a little extra work since some marriage rights don&#039;t scale well to three or more.  For example, do social security survivor benefits get divided up equally, doubled (some amount per person no matter how many), or just go to the first spouse?  All of the above have problems, and that&#039;s a long debate for another place.

What we do disagree on is scrapping marriage for civil unions.  Marriage has a long history of being tweaked legally for the benefits that two people sharing their lives need.  I don&#039;t see the benefit of scrapping that whole system and re-writing the rules from scratch.

Also, when it comes to taxes, married people don&#039;t always pay less. Most years my husband and I have paid exactly the same as if we were still single, and a few years we&#039;ve even paid more.  There&#039;s no specific tax credit just for being married.  Basically how it works is that if you both make similar amounts of money, you pay the same as if you&#039;re single, though if one doesn&#039;t work or makes very little money you&#039;ll probably come out ahead.  The reason we&#039;ve paid more in taxes is because we make similar money, but if we weren&#039;t married we could itemize deductions for one of us while the other took the standard deduction and it would come out higher than if we itemized together or took the married standard deduction.  Also, if you have the misfortune of filing married filing separately you can run into also sorts of problems.  Certain credits are randomly not allowed with that filing status (and only that filing status) and if your spouse itemizes taxes you do not get a standard deduction.  So it&#039;s not clear cut that married people have lower taxes.]]></description>
		<content:encoded><![CDATA[<p>Oh, ok arvin.  I get your point.</p>
<p>I agree, I think we both want consistancy.  I think marriage should be allowed for polygamy and incest as well, though polygamy needs a little extra work since some marriage rights don&#8217;t scale well to three or more.  For example, do social security survivor benefits get divided up equally, doubled (some amount per person no matter how many), or just go to the first spouse?  All of the above have problems, and that&#8217;s a long debate for another place.</p>
<p>What we do disagree on is scrapping marriage for civil unions.  Marriage has a long history of being tweaked legally for the benefits that two people sharing their lives need.  I don&#8217;t see the benefit of scrapping that whole system and re-writing the rules from scratch.</p>
<p>Also, when it comes to taxes, married people don&#8217;t always pay less. Most years my husband and I have paid exactly the same as if we were still single, and a few years we&#8217;ve even paid more.  There&#8217;s no specific tax credit just for being married.  Basically how it works is that if you both make similar amounts of money, you pay the same as if you&#8217;re single, though if one doesn&#8217;t work or makes very little money you&#8217;ll probably come out ahead.  The reason we&#8217;ve paid more in taxes is because we make similar money, but if we weren&#8217;t married we could itemize deductions for one of us while the other took the standard deduction and it would come out higher than if we itemized together or took the married standard deduction.  Also, if you have the misfortune of filing married filing separately you can run into also sorts of problems.  Certain credits are randomly not allowed with that filing status (and only that filing status) and if your spouse itemizes taxes you do not get a standard deduction.  So it&#8217;s not clear cut that married people have lower taxes.</p>
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		<title>By: Briana @ GBR</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933431</link>
		<dc:creator>Briana @ GBR</dc:creator>
		<pubDate>Thu, 23 Dec 2010 19:15:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933431</guid>
		<description><![CDATA[@ #3: There are people who get married for love, there are people who get married for business, and there are people who do both. I&#039;m engaged and we want to get married 1st and foremost because we love each other. We&#039;re best friends, and excellent partners. We also understand the business side of it: reduced expenses, tax benefits, extra income, another parent for future children, etc. Don&#039;t feel pressured to get married; it really isn&#039;t for everyone. But don&#039;t knock it; it comes at different times for different people.]]></description>
		<content:encoded><![CDATA[<p>@ #3: There are people who get married for love, there are people who get married for business, and there are people who do both. I&#8217;m engaged and we want to get married 1st and foremost because we love each other. We&#8217;re best friends, and excellent partners. We also understand the business side of it: reduced expenses, tax benefits, extra income, another parent for future children, etc. Don&#8217;t feel pressured to get married; it really isn&#8217;t for everyone. But don&#8217;t knock it; it comes at different times for different people.</p>
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		<title>By: Des</title>
		<link>http://www.thesimpledollar.com/2010/12/23/reader-mailbag-family-and-friends/#comment-933430</link>
		<dc:creator>Des</dc:creator>
		<pubDate>Thu, 23 Dec 2010 19:07:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=6411#comment-933430</guid>
		<description><![CDATA[RE: Dog &amp; Couch - Regardless of what Courtney decides, I think there is a valuable lesson in this about how much material possessions cost. It doesn&#039;t just cost $1600 to own a $1600 couch. You have to pay for maintenance and repairs for the life of that couch. If you can&#039;t afford the maintenance on an item, you can&#039;t afford the item - even if you really, really want it (and even if you think you&#039;ll keep it forever). 

There is a reason why you start your life with cheaper items, why you begin with a starter home first, and why you initially invest only a few hundred dollars. You are young and still learning. You will make mistakes and learn from them. It is cheaper to learn when you&#039;re young than to make the same mistakes later in life. This was an expensive way to learn that pets (and, I would add, young children) do not mix with pricey furniture.]]></description>
		<content:encoded><![CDATA[<p>RE: Dog &amp; Couch &#8211; Regardless of what Courtney decides, I think there is a valuable lesson in this about how much material possessions cost. It doesn&#8217;t just cost $1600 to own a $1600 couch. You have to pay for maintenance and repairs for the life of that couch. If you can&#8217;t afford the maintenance on an item, you can&#8217;t afford the item &#8211; even if you really, really want it (and even if you think you&#8217;ll keep it forever). </p>
<p>There is a reason why you start your life with cheaper items, why you begin with a starter home first, and why you initially invest only a few hundred dollars. You are young and still learning. You will make mistakes and learn from them. It is cheaper to learn when you&#8217;re young than to make the same mistakes later in life. This was an expensive way to learn that pets (and, I would add, young children) do not mix with pricey furniture.</p>
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