May 31st, 2010

Money Stress: How to Talk to Your Husband, Wife or Partner About Money

Worrying about business??
Creative Commons License photo credit: seeveeaar

“Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum, it makes one.” – Benjamin Franklin

The number one cause for marital arguments in today’s society is money. Financial stress puts a huge strain on the relationship and, in the current economic crisis, money problems can be doing more harm than ever before. But these temporary problems need not signal the end of your relationship. In fact, working together during a difficult time will often bring you closer together.

In this post I am going to talk about a few things you can try if you are worried about money and need to talk to your wife, husband or partner. While I am no relationship counselor I am fortunate enough to be in a relationship where openness, patience, honesty and discussion are held to be very important. Because of that we have developed some really helpful solutions over the years that I hope will help some of you out there.

A man never tells?

I was recently talking to a very good friend about money worries and I asked him whether he ever felt like he shouldn’t talk to his wife about money for fear of worrying her or appearing to not be “providing” very well. He quite promptly suggested to me that those ideas are only harmful to the relationship and that, 99% of the time, your wife wants to know whats going on and would prefer it if you discussed any issues with her instead of pretending everything is okay. The more I thought about our conversation the more I realized he was right. Your wife will know if you are stressed or upset about something and as such would prefer to know what is going on in your life. I am quite certain she would rather have the opportunity to help you work through it as opposed to knowing something is wrong but not being told any information.

The sad truth is that most men never tell. Most men are under the impression that they have to provide for the family and if they have any money troubles they aren’t doing their job as a husband or a father or a man. But this stigma can be quite harmful – I know many of the men in my life who live by these rules wind up struggling with intense anxiety and are often fighting with their partners as soon as money becomes an issue. They are too ashamed to talk.

I think if you want to have a healthy relationship when money starts to become a worry you need to set some of these labels aside and really be open to the idea of talking to your partner, asking for help or at least being strong enough to admit there might be a problem.

How to talk to your husband, wife or partner about money

Uzbeki carpet sellers
Creative Commons License photo credit: Arthur Chapman

If you have anything to add to the points below please leave a comment as it might be really helpful to someone reading this post. Likewise, if you have an experience (good or bad) that you think might help a reader please let us know.

1. Understand that they want to help
One of the things that my friend helped me realize was that my partner would want to help. This was a very important moment for me as it freed me up a lot inside. At first I thought that I would be stressing her or placing my burden on her if I talked about money but now I was learning that she probably wanted to be a part of the solution. Try and understand that your husband or wife loves you very much and they would want to be there for you if things were getting tough.

2. Work together like a company
Having worked in business for many years I know a few little things about making money. And one of the things I know is that if a company doesn’t work together things don’t go so well. Imagine if the finance department didn’t communicate with marketing or sales – no one would know how much money they could spend or needed to make to turn a profit. It would be a very bad situation. The same is true for a relationship; you both need to understand the money situation and know how to communicate all aspects of your personal finances. Both husband and wife need to know how much is coming in and how much is going out on bills, expenses, etc.

3. Don’t judge
I remember growing up and witnessing the most intense financial arguments between my father and mother. They would go on for hours and, at the end, they wouldn’t have resolved anything. One of the things both parties used to do was be very judgmental about any spending’s that had happened over the month. Dad would be angry about Mom buying something for the house and Mom would be angry about Dad eating expensive lunches. But one thing I noticed over the years was that every time they got “told off” by the other one they hid more and more purchases. The were afraid of being judged so they would often buy things and then hide them and tell the kids, “Don’t tell your mother“.

If you want to keep the relationship open and honest it is important to be as judgment-free as possible. Don’t get angry if your husband buys something that you don’t think he needs. The same goes for your wife. Instead of getting upset try using the technique below.

4. Be gentle
One thing I have been learning lately is how we must try to be gentle and kind to other people and not use harsh words. I found a wonderful text by a great Buddhist master from Tibet called 30 Pieces of Advice from the Heart. The master’s name is Longchenpa and in that text he said something that I thought might be nice to share at this point:

“In these decadent times one may reproach the crude people around one.
Although one thinks it will be useful to them,
it is just the source of poisonous thoughts.
To utter peaceful words is my advice from the heart.

Without any selfish consideration, one may,
with affection, tell people their defects, only thinking of their own good.
But although what one says is true this will ulcerate their hearts.
To say gentle words is my advice from the heart.”

When talking to your loved one about sensitive issues I have found it is very helpful to be as gentle and diplomatic as possible. After all, you aren’t trying to make them feel bad or point out their mistakes, you are trying to find a solution to the problem. And I think those solutions very rarely come from harsh speech.

5. Make a list of discussion points aimed at a solution
I once read a quote by an anonymous CEO that said, “Don’t bring up a problem unless you have a solution for it“. He was, of course, talking about going to see your boss about issues in the workplace but I think it fits quite well into our topic. If you want to have a healthy discussion about your money troubles try making a list of points to talk about and make sure that list is aimed at a solution.

The reason we found this to be helpful is because it gives the conversation some direction. Instead of sitting around and getting stressed about all the things that were going wrong we instead talked about what we need to do in the short, medium and long term to fix it. This seemed to diffuse a lot of the tension as well, shifting the focus from the negative to the positive.

Conclusion

Financial stress can really eat away at you on the inside so try to remember that you have a partner who would love to help you sort through the problems. If you are open, honest, gentle and have a plan of attack there is no reason why money worries should take a toll on your relationship. In fact, working together through rough patches might just help to make your relationship stronger and more supportive.

May 27th, 2010

The Most Special Day of the Year?

Melons and bananas for the temple
Creative Commons License photo credit: hannanik

For most of us growing up in the west the most special day is probably Christmas or our birthday. We get lavished with presents, good food and we get to spend the day with our loved ones. But for a significant part of the population the most special day of the year is something else. It is called Saga Dawa and it is the anniversary of the Buddha’s birth, death and enlightenment. But why is this day so special? Why do millions of Buddhists around the world look forward to this day every year?

Remembering the Buddha
On this day Buddhists all around the world take time to remember Shakyamuni Buddha and what he did for the world. Over 2500 years ago a man sat under a tree and attained enlightenment and then, instead of remaining quiet, he taught other people how to do the same. He taught us the causes of suffering and how to overcome those causes. He taught compassion, love and patience. And perhaps most importantly for me, he taught us how to rely on ourselves for happiness instead of an external creator. One of his final teachings before his passing was this:

“You are the community now. Be a lamp for yourselves. Be your own refuge. Seek for no other. All things must pass. Strive on diligently. Don’t give up.” – Buddha

The Buddha’s teachings have brought peace and happiness to the lives of millions of people throughout history. Today is a day when we remember that kindness and perhaps make the aspiration to follow his example and help others as much as we can.

A hundred million times the merit
Buddhists believe that on this day, a special lunar event, the merit associated with positive deeds is multiplied by 100 million. This means that whatever good things you do you will be more powerful than any other day. For this reason the monks, nuns and lay community put a lot of effort into meditation and charity on this day, helping as many elderly people, sick people and animals as they can. It is commonplace to see Buddhists spending their money buying animals that are about to be slaughtered and setting them free.

Whether or not you believe in the “100 million times the merit” angle it doesn’t really matter. Today could be a good occasion to make aspirations for the future, to remember what is important in your life and perhaps to start afresh. If you have any spiritual goals then today is the perfect opportunity to begin something new – visiting a temple for the first time, starting a daily meditation practice or giving up a bad habit.

A sincere wish for you all
The Daily Mind now has around 5000 subscribers who tune in to read my garbage. I sincerely and from the very bottom of my heart hope that this blog has only been of help to you. I hope nothing I have said has caused any harm. I genuinely want the best for each and every one of you and I think about you all the time. All of you dealing with panic attacks, I hope they stop. All of you with depression, I hope you find some joy. Anyone dealing with a death or a hard time, I hope something good comes into your life. Lastly, I hope that today marks the beginning of a new chapter in your life and you only experience happiness, good health and well being from now on.

May 19th, 2010

13 Meditation Articles That Could Change Your Life

Brahma Vihara Arama, Buddhist Monastery 021
Creative Commons License photo credit: mariskar

For thousands and thousands of years meditation has been helping people achieve good health, a long life and lasting happiness. But just as little as 200 years ago you had to travel to India, China or Japan to learn anything about this wonderful practice. Now, however, with the help of scientists and engineers we can study meditation on the internet and meet Tibetan lamas in our own towns! For those of you interested in meditation I have put together a list of 13 articles that could help you change your life.

Karmapa teaches a Buddhist text for lay people
At the Kagyu Monlam the 17th Karmapa taught a text called Nagajurna’s Letter to a Friend which is a letter that the author sent to his friend, the king. As such it has been a wonderful guide book for lay people who are interested in meditation and applying Buddhist philosophy to everyday life.

The Dalai Lama teaches us how to meditate
Here is a wonderful teaching by the Dalai Lama on how to meditate. He goes through the stages very clearly and shows us how to meditate on an external object or an internal one. At the end there is also a very interesting question and answer session.

The science of meditation
Science is now becoming extremely interested in meditation as it has found evidence that simple ten minute sessions can help to combat anxiety even perhaps as much as some medications. This article from Psychology Today looks at some of these discoveries.

The world’s happiest man
Daniel Goleman is a scientist who has contributed wonderful things to society by investigating meditation from a scientific viewpoint. In this article for the New York Times he looks at someone who is possibly the world’s happiest man.

A short teaching on meditation by Dilgo Khyentse Rinpoche
Dligo Khyentse Rinpoche was one of the greatest meditation masters of our time. He was even a teacher to the Dalai Lama. In this article he goes through some extremely potent instructions for how to meditate properly.

The world’s happiest man teaches us to meditate (video)
Remember the world’s happiest man from above? Well, we are in for a treat. In this video Mingyur Rinpoche takes us on a guided meditation that relaxes us and opens us up to our own awareness. It is just like being in the same room with him. Very exciting!

Compassion can change your brain
Here is an article from Science Daily which shows that meditating on compassion can actually change your brain and make you a more kind and empathetic person. These scientific studies are wonderful for people who might need a little “modern” evidence before giving meditation a try.

How to meditate, a talk for young people
This is a transcript of a teaching given by Chogyam Trungpa Rinpoche, one of the first people to take meditation and Buddhism to America. His teachings are extremely well adapted to westerns and as such a lot of people find his talks very alive and powerful. There is also a list of his other teachings here.

Tibetan masters from the 1960s
When China invaded Tibet the Tibetan people fled to India and there waiting for them was a documentary maker who captured footage of some of the greatest meditation masters of the day. In this extremely rare footage we see some of the ancient Tibetan practices being done in the traditional environment. These are extremely inspiring.

How meditation could save your life
A nice article written by someone who feels that meditation saved their life. This is a great read for anyone starting to get interested.

The seven points of mind training
Here is a type of meditation that was made popular in Tibet and has now swept its way across the world. It is the practice called Lojong or Mind Training and it involves using short slogans to change the way you think about everyday situation. A very profound and simple practice that is used by every single Tibetan Buddhist Lama.

Meditation and cancer
A few years ago a dear friend of mine was diagnosed with cancer and during his treatment he began meditating as a way to deal with the stress. This article is about a study that has been done on cancer patients and how meditation might help them.

Blazing Splendor
This is an amazing blog written by a long time western student and translator of a great Tibetan Buddhist yogi. The blog is full of wonderful stories and inspiring resources that are sure to recharge the batteries of anyone interested in the practice of meditation.

Conclusion

If you know of any other helpful meditation resources please leave a comment with the link. I would really like to build up a large amount of information so people can just stop by and find something new to help them on their path to a quieter and more loving mind.

April 13th, 2010

How to Add 10 Years to Your Life: The Do’s & Don’ts

who's zooming who?
Creative Commons License photo credit: gorgeouxness

“Old age is the most unexpected of all the things that can happen to a man.” – Trotsky

It is said that although death is certain, the time of death is most uncertain. Wise people have been trying to teach us this for thousands of years. Long life is considered by many to be the most precious gift that one can be given for it is rare and valuable; an unlikely chance to experience more, contribute to society and redeem our faults.

And although we will never be able to permanently cheat death, modern science is now showing us dozens of ways to add years to our life. In this post I want to show you some interesting things I have found about how to add at least ten years to your life, broken down into a list of do’s and don’ts.

Why live longer?

While researching this post I have come across and interesting perspective – why would I want to live a long life? Why would I want to grow old and lose my mobility, friends and perhaps sanity? Wouldn’t it be better to pass away younger whilst still relatively healthy and independent?

From one point of view I guess this attitude is right. I can understand why people would be afraid of living to an old age if old age meant only a degradation in the quality of their own life. But, from another perspective I think old age is quite a wonderful thing. Time is so limited and fleeting, any extra amount I am given to accomplish my goals would be most welcome.

A different focus
The key thing here, I think, is that your focus must be on charity, contribution, service, others. If you are just trying to live a long life because you are afraid of death or because you don’t want to leave your nice house then the whole idea seems silly. But if you want to live a long life in order to help others, then you are on a very different track.

The list of people who continued to help others right into their twilight years is long and includes wonderful names like:

  • Shakyamuni Buddha (81 years)
  • Mother Teresa (87 years)
  • Gandhi (78 years)
  • Benjamin Franklin (84 years)

Adding ten years to your life would be a wonderful achievement if it meant you could spend more time working to benefit others, helping your family and friends and contributing to your community and society. Unfortunately, however, there is no way we can add so many years to our life that death is averted. We must always try to remember that.

How to add 10 years to your life – the do’s and don’ts

Feelin' Alright
Creative Commons License photo credit: Ka-ho Pang

I have done my best to include as much “further reading” materials in the following tips so that you can go on and read more about the subject, the studies, etc. If I have missed any or you have any further information please leave a comment. It might really help someone.

DO – Meditate
Modern science is now beginning to study the effects of meditation on longevity with some very promising results. In India I had often heard stories of monks and nuns who lived to an extremely old age and I often wondered whether this had something to do with their dedicated meditation practice. Dr. Robert Keith Wallace is a pioneer in this field and published a study in the Journal of Neuroscience which showed that those who practiced meditation for just a five year period had a biological age somewhat 12 years less than their chronological age.

So why does meditation increase your lifespan? Lots of reasons. The main three, however, relate to its ability to deal with stress, longevity and immunity hormones. Dr. Vincent Giampapa has done studies that show how massively these hormones are affected by some simple meditation practice.

Many of these studies have shown that you just need to take a few minutes each day to sit down, relax and focus on your breathing. Calm your mind down and focus on the breath coming in and out of your nose and there is a good chance you will avoid certain illnesses. Scientific proof that the mind can affect the body in a big way.

DON’T – Stress
More than ever before we have concrete evidence that stress can kill you. Sure, it won’t kill you right away but it will lead to things like heart disease and perhaps even cancer. Robert Sapolsky has spent more than 30 years studying the effects of stress. In an interview with Stanford Report he mentions that stress is designed to keep us alive by helping us run away from predators or fight off enemies, and it does this extremely well by releasing certain hormones. But nowadays those same hormones are being released when we worry about money or our next bill. And overtime this has devastating effects on the body.

Stress is also dangerous because it can lead to other life-shortening practices like smoking or binge drinking. When you feel stressed at work you often come home to a junk food meal and some beer to make you feel better. And this makes you sick.

If you want to add 10 years to your life you need to learn how to deal with stress. It is important to realize that you will never be able to eliminate all the causes of stress in your life; the bills will keep coming. The goal is to develop some techniques to deal with those life events.

DO – Drink Green Tea
Green tea has been drunk in China and other regions of Asia for thousands of years. It has formed an integral part of their medical system and has long been known as a substance that can have very positive effects on the body. And now western medical science is backing up those claims with various studies that point to the health benefits of green tea. The study in the previous link surveyed 40,000 people over a ten year period and found that drinking green tea made you less likely to die of cardiovascular disease. And considering that heart disease is the leading cause of death in the western world, it might mean that green tea can significantly increase your life span.

Munnar Tea Plantations
Creative Commons License photo credit: code_martial

When drinking green tea it is important to buy it from an ethical producer who is located in a non-polluted region. There is some evidence that suggests that toxins in the air and soil can be absorbed into the tea plant and passed along to your body. It is also very important to drink tea without any milk as a protein in the milk can damage some of the beneficial enzymes in the tea. Tea also has the dual effect of calming you down which can definitely reduce your stress levels.

DON’T – Stay up late
I have written about sleep a lot of times on this blog; how to wake up fresh, how to get to sleep, why staying up late is bad for you, etc. I have always felt the effects of a bad night’s sleep on my own body and mind but the more I look in to the matter, the more I realize that science is discovering the same thing. Late nights and erratic sleep are now understood to be contributing causes to conditions like obesity, diabetes, heart disease and cancer.

The interesting thing about sleep is that no one knows why we do it. But we know that we need it. Since the beginning of our species the body has forced us into shutting down each night for around six to 12 hours. And now that we have the internet, busy careers and, of course, the TV, we are all getting a lot less sleep. And this is worrying a lot of experts.

If you want to live an extra ten years it is important that you have good sleep habits. Try to make sure you go to bed and wake up at the same time each evening and morning, don’t drink things like red wine and coffee before bed which cause you to have poor sleep, and make sure you are getting enough hours. The ironic thing about all of this, however, is that you will probably spend an extra ten years asleep!

DO – Exercise every day
This is nothing new. Exercise has long been known to have benefits like weight loss, increased cardiovascular health and an increased level of emotional well being. But what is just coming out now is how much exercise you need to achieve these benefits. And it is bad news for sweat haters. You need exercise every day. One recent study went so far as to say that you will not lose weight in the long term unless you exercise an hour every single day. That is a lot.

DSC_0056
Creative Commons License photo credit: David Clow – Maryland

The good news is that there are so many different types of exercise you will never feel bored. Exercise doesn’t have to be running or lifting weights. It could be yoga, pilates, dance classes, tai chi or kick boxing. It is important to choose a variety of different disciplines so that you do not get sick of one thing and give up on exercise altogether. One way you can do this is find a buddy that will share your passion and dedication. Go to classes together, wake each other up at 6:30am to go for a run, have fun together. This is an easy way to add years to your life.

DON’T – Eat Meat
This is likely to be a very controversial heading as the western world is so obsessed with eating meat. We have commercials on television telling us to eat more red meat for its iron and vitamins and we have Government sponsored cookbooks telling us that lots of meat is healthy. But, as happened in Australia a few years ago, it turned out that the cookbooks were paid for by the meat industry. Often times the advice telling us to eat meat has an ulterior motive.

There are now lots of studies that show that vegetarianism is linked with a longer life. In fact, this one tells us that if you eat a vegetarian diet for over 20 years you are likely to add four whole years to your life. It is interesting to note, however, that the scientists don’t really know why a low meat diet increases our lifespan. Is it because fruit and vegetables are so healthy, because meat is unhealthy or because being a vegetarian might also indicate other lifestyle choices? They just don’t know.

Eating less meat is a way to live longer but it is also a good idea for other reason. Two of the big ones include ethics and environmental protection. The meat industry is extremely cruel to animals at every stage of their life. The living conditions are often torturous and the culling and transport stages (especially if live export) are unacceptable. In a day an age where we have scientific and documentary evidence that animals feel pain, emotions and desire happiness, it is entirely baffling that we continue to treat them with such cruelty when using them for food.

I have been trying for a long time to be vegetarian and keep failing miserably so I definitely don’t deserve this soap box. But I have got my meat eating down to around once or twice a week with a view to, one day, have totally kicked the habit. If you love a good steak or a cheeseburger perhaps try limiting it to weekends and see how you go?

Conclusion

These few simple do’s and don’ts are enough to add ten years on to your life if you do them consistently and with dedication. But it doesn’t need to stop there – you can stop smoking and, just by that fact, you will increase your life expectancy. Remember, living a long time is something we should aim for but not expect. It is important to use what little time we have on this planet to help others and bring about positive changes in lives of those around you. Otherwise you might spend 90 years not doing much at all.

March 5th, 2010

About a Man

... as time goes by
Creative Commons License photo credit: Paco CT

“All of us who are worth anything, spend our manhood in unlearning the follies, or expiating the mistakes of our youth.” – Percy Bysshe Shelley

It’s the 1940s and our man, now just a small boy, is growing up in a middle class family with a bunch of brothers and sisters. Mom stays at home while dad goes to work. He brings home a very good income. Our man, still a small boy, is smart, athletic and showing a lot of potential. Everything is going swimmingly. As he grows up he plays sports, studies hard and looks after his siblings. Around age 14 his mother gets sick. A year later she is dead. Everything begins to fall to pieces.

A new mother
Within the year his father had remarried and this woman brings along two children of her own. She hated our man (now 15) and his brothers and sisters. She wants their father all to themselves. She does whatever she can to make their lives miserable; manipulated them against each other and against their dad. The father is too busy to notice that anything was wrong, he is absorbed in his own misery, too focused on diluting the grief with work. The things she did to our man would, these days, be classified as physical and emotional abuse.

At age 16 our man sits his final school exams having been skipped ahead a year due to his exceptional mind. He heads home happy in the knowledge that he will get a place at University in any course that he wants. He has done well. He can’t wait to see how proud his father will be. His wished his mother was there to see. As he walks up the darkened street towards home, bathed in moon and street light, he can see two box-like figures on his porch. What are they? As he gets closer he realizes they are suitcases. On top of the first one is a note from his step mother, “I have packed your things. Time to move out. Don’t bother coming inside“.

Un-Coping
This stage of his life is called un-coping. In reality, it probably extends well beyond the initial grief and lasts until the day he dies. He never really gets over the loss of his mother. He wasn’t taught how. There were no goodbyes, no post-death counseling sessions and very little support from his father. It was the 1950s and 60s and no-one talked about emotions, feelings or how to deal with a loss. You just got on with it.

So that’s what he did. He got on with it. He got on with drinking alcohol and gambling. He got on with meeting lots of women. But none of them dulled the pain forever and none of the girls replaced his mother. They didn’t even come close. Our man, now in his twenties, fell into line and joined the family business despite having dreams and aspirations and the ability to do other things. He did what his father told him to do, even when it wasn’t in his best interests. He never really learned how to be his own man. He was still un-coping with his tumultuous childhood. Perhaps by joining the family business he would win the attention of his dad.

Replicating the disaster
This stage of his life is called replicating the disaster. We might call it “having a family”. Having met a beautiful woman he decides to propose as soon as he can. She accepts the proposal, seduced and infatuated with his charm, wit and tendency towards popularity and success. Completely unaware that his drinking and gambling were becoming an issue, they have two children, one after the other and settle down in the suburbs.

Barely a week goes by where our man doesn’t fight with his wife. Occasionally they fight in front of the children. If they manage to conceal the arguments, the kids would notice the upset mother and the absence of the father. He was at the pub putting money into machines or on horses. Everyone knows it. Soon work colleagues and family friends know it. Our man has developed a reputation around town as a drunk, a gambler and a womanizer. His wife is, of course, the last to find out.

Quite unconsciously our man pushes his loved ones away. He would ignore them when he had free time and make himself busy when he could. His arrival home from work would be characterized by the shutting of doors, children heading to their rooms to bury themselves in books and video games, finding any way to escape his foul breath and poisonous attitudes towards immigrants on the news, stories of his work mates and clients and, above all, women. At an early age his children learned that he was no role model. It was a lesson they never un-learned.

Alone again
This stage of his life is called alone again. If we are really honest, however, we might call it “still alone” because it was not like he ever really connected. But, the wife and family get tired of the gambling and the drinking and they pack up and leave. Our man, now in his 50s, moves back in with his father as the gambling had made renting a place too financially difficult, despite a $100k a year income.

Occasionally his kids stop by to see him, mostly to assuage their own guilt. These visits got less frequent however as the constant complaining and blaming of others grows too suffocating. Our man has, for all of his life, blamed others for his faults. Every weekend at the races was the fault of an inattentive wife. Every night at the pub was the fault of a slow-to-pay client. Every mistake was that of someone else.

How does it end?
And though our story ends, our man lives on. Alone. He has girlfriends, quite a few, actually. But they don’t stick around. Today’s women are too intelligent and independent for that. His children still visit him, three or four times a year. Normally they see a movie so they don’t have to talk to him. The darkness of the cinema works well for our man too, he doesn’t have to look at how grown up his children are, how much he has missed out on.

I can’t help but wonder how it will end. Will our man ever beat his demons? Is he ever going to be able to look in the mirror and recognize his faults? How long can a person hold a grudge against their mother and father? How long can he blame them? Most of all I wonder how our man can continue to engage in the very activities and habits that have caused him ruin. A life of great potential, blamed away, day by day.

That is my story, about a man.