When The Pandemic Forced Young Adults To Move Back Home, They Got a Financial Education

“When we face a stressor, we tend to think more about the future,” says Brad Koontz, a financial psychologist and professor at Creighton University in Omaha, Neb. Young adults’ growing openness to discuss finances with their parents and peers, they say, reflects a kind of tribal response among people to the stress of the pandemic.

Here’s a look at what the adult children and parents of three families learned about money — and themselves — in their time of pandemic together. When the pandemic forced 23-year-old Hannah Froling to move into her parents’ townhouse in Southampton, NY in March 2020 to remotely finish her final semester of college, the financial clock began to tick.

Ms Frohling’s parents, Jennifer Schlueter and Matthew Froehling, set to move to their winter home in Florida during the fall of 2020, told her they would need to begin helping support the household in their absence. That means monthly payments of $500 for rent and $250 for family car use. They also set a deadline for Memorial Day 2022 for her to be out of the house. Ms Schlueter says she wanted to provide her daughter with a “soft landing” after the shocking experience of graduating in the middle of a pandemic. But she also wanted Ms Froling to transition to living independently, so the transfer deadline passed.

So, Ms. Froling got two waitress jobs and eventually began to rely on the savings lessons her parents took as they grew up. She has two income streams—cash tips and a regular paycheck that includes her hourly rate and credit card tips. She keeps the cash tips in a savings account and splits the paycheck between a checking account and an investment account linked to an S&P 500 index fund. She has saved about $10,000 since moving back home and started looking for apartments to rent on Long Island.

Saving and managing money doesn’t always come easily to Ms. Froling. While in college, he received an allowance from his parents at the beginning of each semester. “As a freshman, I’ll blow it in the first two months,” she says. So her parents, who both work in finance, seated her and helped her budget by outlining the necessities and luxuries in her spending habits.

But it’s been the past 18 months at home, and the closeness to her parents, which has allowed Ms Froling to be more proactive about her savings and investments, and to put all those lessons into practice. She says many of her money talks happen on family road trips. Her father helps her stay on top of the latest trends in investing and her mother shares strategies for how Ms. Froling can increase her savings and continue to build a foundation for moving out of the family home. Ms. Froling is taking it further by sharing these tips with her coworkers and encouraging some of them to open their own investment accounts.

“The lesson we want to teach her is that she can do this,” says Ms Schlueter, referencing the financial wisdom she is sharing with her daughter rather than just talking to her from being together during the pandemic. got the opportunity to do. via phone or text. That includes discussing expenses such as health and car insurance after Ms. Froling leaves home again.

Ms Froling says, while she often feels like her parents bother her about how much she’s saving, in the end she knows it’s best: “They don’t want me when I If I get out of here, it will fall flat on my face.”

breaking the money taboo

In November 2020, 27-year-old Rogelio Meza left his $1,500-a-month apartment in Austin, Texas, to move into his parents’ home in Laredo.

The move helped him work towards his goal of saving money and becoming a homeowner, says Mr. Meja, who works as a customer-experience manager for a solar-power company. It also allowed him to help his parents, who were battling the financial stress of the pandemic.

When the pandemic struck, her mother, Eudoxia Meja, who works as a cook, noticed that her hours had been cut in half. His father Juan Meja is handicapped and unable to work. Since living with his parents, little Mr. Majora has helped with grocery and utility bills, paying about $700 a month, which still allows him to take out money for a home down-payment. Is.

When he was growing up, Mr. Meja says, his family never talked about money. “Nobody really taught me how to save, nobody taught me about stock options or investment accounts, good versus bad debt.” He relied on friends who worked in finance to teach him about these things, and the conversation helped him understand where his money was going. Now, he says, he has passed on some of this knowledge to his parents.

One day, when an unusually large and overdue utility bill arrived in the mail, Mr. Majora turned it into an opportunity to start sharing his financial wisdom with his family.

“I was like, ‘Okay, let’s talk about it,’” he says, describing what led to several candid conversations about money with his parents. Indeed, after that initial exchange, he basically became the family financial advisor. Mr. Meja helped his parents calculate how much they were spending on groceries and how much they actually needed each month. He also discovered that he had $3,000 in credit-card debt and advised him to use his stimulus money to aggressively pay it off. Using a combination of direct payments from their mother’s wages, incentives and unemployment benefits, they were able to pay off their utility bills and credit-card debt in just a few weeks.

Thereafter, Mr. Meja set up a savings account for her mother and advised her to put forward 20% of her salary into the account. He also plans to help his parents open an investment account and teach them how to grow their money over time. He says being able to pay off his debt gave his parents a new starting point.

Mr. Meja has learned a few things during his stint at home as well. He says that the time he spent with his parents opened his eyes to how little he needed to be happy. For example, before reuniting with his mother and father, he often ordered takeout for lunch and dinner. But the home-cooked food he eats at home, he says, especially his mother’s enchiladas has inspired him to start cooking for himself.

As far as his parents are concerned, they say that talking about money is no longer a taboo in their family, and they will continue to seek financial advice from their son. He plans to move back to Austin in November and complete the purchase of an apartment in the city at that time.

a new perspective

Edgar Mendoza was living the high life in Chicago. The 41-year-old was paying about $3,000 a month for a downtown apartment. He often dined out and had courtside seats at basketball games.

But when the lockdown began, he began to re-evaluate his habits, limiting his activities and his spending. “What Covid taught me is no, I don’t need all that,” says Mr. Mendoza, who deals in sales and invests in startups. In January, he packed his belongings and moved to McAllister, Mont., to be with his mother and stepfather. And he doesn’t plan to leave anytime soon.

Living in Montana with his family, Mr. Mendoza says, he has reinforced the frugal lifestyle he grew up with. When he was young, he says, his mother, Maria Platt, used to tell him to “watch his money.” Now, he saves his money and invests it in places where it can grow.

Ms Platt says she is proud of the progress she has seen in her son and how she has embraced the lessons she has taught him. The family cooks together and they rarely eat out. Mr Mendoza says he is not being asked to pay the rent, but he buys all the groceries.

“He’s changed a lot,” Ms Pratt says of her son. “He used to spend money like crazy. I would talk to him and he’s like, ‘Mom, you’re right about this and you’re right about that.’ Now, in his view, he is motivated to support the family in the long run, and this has prompted him to refocus on his spending habits.

Mr. Mendoza says seeing his mother come home exhausted from work and budgeting his Social Security benefits has made him see his financial future in a new light. It has forced him to think more realistically about what retirement can be like. “When you see that you love someone… it hits you really hard,” he says. “I don’t want it to be me.”

Ms Pratt says her son still has to work on his financial habits. They sometimes forget to buy their groceries and eat food already in the family’s fridge, she says. She would also like to watch him learn to cook.

“I told him that if you make good money, save it,” she says. “I’m not going to live forever…….

By: Taylor Nakagawa

Taylor Nakagawa hails from Chicago, Illinois and earned a master’s degree from the Missouri School of Journalism in 2017. As part of the Audience Voice team, Taylor is focused on experimenting with new story formats to create a healthy environment for community engagement.

Source: When the Pandemic Forced Young Adults to Move Back Home, They Got a Financial Education – WSJ

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Moderna Vaccine Creates Twice as Many Antibodies as Pfizer, Study Shows

Coronavirus: Modern vaccine generated more than double antibodies than Pfizer shot. Moderna Inc.’s Covid vaccine generated more than double the antibodies from a similar shot made by Pfizer Inc. and BioNTech SE in research that directly compared immune responses with inoculations.

A study of nearly 2,500 workers at a major hospital in Belgium found antibody levels among people who had not been infected with coronavirus before receiving two doses of the Moderna vaccine averaged 2,888 units per day. Milliliters, compared to 1,108 units / ml in a similar group that received two shots of the Pfizer shot.

The results, published Monday in a letter to the Journal of the American Medical Association, suggested that the differences could be explained by:

– larger amount of active ingredient in the Moderna vaccine – 100 micrograms versus 30 micrograms in Pfizer-BioNTech. Longer interval between doses of the Moderna vaccine – four weeks versus three weeks for Pfizer-BioNTech

Moderna’s vaccine was associated with a double risk reduction against breakthrough SARS-CoV-2 infections compared to Pfizers in a review of humans in the Mayo Clinic Health System in the United States from January to July. The results were reported in a separate study released prior to publication and peer review on 9 August.

The Moderna COVID‑19 vaccine (pINN: elasomeran), codenamed mRNA-1273 and sold under the brand name Spikevax, is a COVID-19 vaccine developed by Moderna, the United States National Institute of Allergy and Infectious Diseases (NIAID) and the Biomedical Advanced Research and Development Authority (BARDA).

It is authorized for use in people aged twelve years and older in some jurisdictions and for people eighteen years and older in other jurisdictions to provide protection against COVID-19 which is caused by infection by the SARS-CoV-2 virus. It is designed to be administered as two or three 0.5 mL doses given by intramuscular injection at an interval of at least 28 days apart.

It is an RNA vaccine composed of nucleoside-modified mRNA (modRNA) encoding a spike protein of SARS-CoV-2, which is encapsulated in lipid nanoparticles

By:

Source: Covid: Moderna Vaccine Creates Twice as Many Antibodies as Pfizer, Study Shows – Bloomberg

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How To Have a Better Longlasting Relationship

Can you spot a good relationship? Of course nobody knows what really goes on between any couple, but decades of scientific research into love, sex and relationships have taught us that a number of behaviors can predict when a couple is on solid ground or headed for troubled waters. Good relationships don’t happen overnight. They take commitment, compromise, forgiveness and most of all — effort. Keep reading for the latest in relationship science, fun quizzes and helpful tips to help you build a stronger bond with your partner.

Love and Romance

Falling in love is the easy part. The challenge for couples is how to rekindle the fires of romance from time to time and cultivate the mature, trusting love that is the hallmark of a lasting relationship.

What’s Your Love Style?

When you say “I love you,” what do you mean?

Terry Hatkoff, a California State University sociologist, has created a love scale that identifies six distinct types of love found in our closest relationships.

  • Romantic: Based on passion and sexual attraction
  • Best Friends: Fondness and deep affection
  • Logical: Practical feelings based on shared values, financial goals, religion etc.
  • Playful: Feelings evoked by flirtation or feeling challenged
  • Possessive: Jealousy and obsession
  • Unselfish: Nurturing, kindness, and sacrifice

Researchers have found that the love we feel in our most committed relationships is typically a combination of two or three different forms of love. But often, two people in the same relationship can have very different versions of how they define love. Dr. Hatkoff gives the example of a man and woman having dinner. The waiter flirts with the woman, but the husband doesn’t seem to notice, and talks about changing the oil in her car. The wife is upset her husband isn’t jealous. The husband feels his extra work isn’t appreciated.

What does this have to do with love? The man and woman each define love differently. For him, love is practical, and is best shown by supportive gestures like car maintenance. For her, love is possessive, and a jealous response by her husband makes her feel valued.

Understanding what makes your partner feel loved can help you navigate conflict and put romance back into your relationship. You and your partner can take the Love Style quiz from Dr. Hatkoff and find out how each of you defines love. If you learn your partner tends toward jealousy, make sure you notice when someone is flirting with him or her. If your partner is practical in love, notice the many small ways he or she shows love by taking care of everyday needs.

Reignite Romance

Romantic love has been called a “natural addiction” because it activates the brain’s reward center — notably the dopamine pathways associated with drug addiction, alcohol and gambling. But those same pathways are also associated with novelty, energy, focus, learning, motivation, ecstasy and craving. No wonder we feel so energized and motivated when we fall in love!

But we all know that romantic, passionate love fades a bit over time, and (we hope) matures into a more contented form of committed love. Even so, many couples long to rekindle the sparks of early courtship. But is it possible?

The relationship researcher Arthur Aron, a psychology professor who directs the Interpersonal Relationships Laboratory at the State University of New York at Stony Brook, has found a way. The secret? Do something new and different — and make sure you do it together. New experiences activate the brain’s reward system, flooding it with dopamine and norepinephrine. These are the same brain circuits that are ignited in early romantic love. Whether you take a pottery class or go on a white-water rafting trip, activating your dopamine systems while you are together can help bring back the excitement you felt on your first date. In studies of couples, Dr. Aron has found that partners who regularly share new experiences report greater boosts in marital happiness than those who simply share pleasant but familiar experiences.

Diagnose Your Passion Level

The psychology professor Elaine Hatfield has suggested that the love we feel early in a relationship is different than what we feel later. Early on, love is “passionate,” meaning we have feelings of intense longing for our mate. Longer-term relationships develop “companionate love,” which can be described as a deep affection, and strong feelings of commitment and intimacy.

Where does your relationship land on the spectrum of love? The Passionate Love Scale, developed by Dr. Hatfield, of the University of Hawaii, and Susan Sprecher, a psychology and sociology professor at Illinois State University, can help you gauge the passion level of your relationship. Once you see where you stand, you can start working on injecting more passion into your partnership. Note that while the scale is widely used by relationship researchers who study love, the quiz is by no means the final word on the health of your relationship. Take it for fun and let the questions inspire you to talk to your partner about passion. After all, you never know where the conversation might lead.

How Much Sex Are You Having?

Let’s start with the good news. Committed couples really do have more sex than everyone else. Don’t believe it? While it’s true that single people can regale you with stories of crazy sexual episodes, remember that single people also go through long dry spells. A March 2017 report found that 15 percent of men and 27 percent of women reported they hadn’t had sex in the past year. And 9 percent of men and 18 percent of women say they haven’t had sex in five years. The main factors associated with a sexless life are older age and not being married. So whether you’re having committed or married sex once a week, once a month or just six times a year, the fact is that there’s still someone out there having less sex than you. And if you’re one of those people NOT having sex, this will cheer you up: Americans who are not having sex are just as happy as their sexually-active counterparts.

But Who’s Counting?

Even though most people keep their sex lives private, we do know quite a bit about people’s sex habits. The data come from a variety of sources, including the General Social Survey, which collects information on behavior in the United States, and the International Social Survey Programme, a similar study that collects international data, and additional studies from people who study sex like the famous Kinsey Institute. A recent trend is that sexual frequency is declining among millennials, likely because they are less likely than earlier generations to have steady partners.

Based on that research, here’s some of what we know about sex:

  • The average adult has sex 54 times a year.
  • The average sexual encounter lasts about 30 minutes.
  • About 5 percent of people have sex at least three times a week.
  • People in their 20s have sex more than 80 times per year.
  • People in their 40s have sex about 60 times a year.
  • Sex drops to 20 times per year by age 65.
  • After the age of 25, sexual frequency declines 3.2 percent annually.
  • After controlling for age and time period, those born in the 1930s had sex the most often; people born in the 1990s (millennials) had sex the least often.
  • About 20 percent of people, most of them widows, have been celibate for at least a year.
  • The typical married person has sex an average of 51 times a year.
  • “Very Happy” couples have sex, on average, 74 times a year.
  • Married people under 30 have sex about 112 times a year; single people under 30 have sex about 69 times a year.
  • Married people in their 40s have sex 69 times a year; single people in their 40s have sex 50 times a year.
  • Active people have more sex.
  • People who drink alcohol have 20 percent more sex than teetotalers.
  • On average, extra education is associated with about a week’s worth of less sex each year.

Early and Often

One of the best ways to make sure your sex life stays robust in a long relationship is to have a lot of sex early in the relationship. A University of Georgia study of more than 90,000 women in 19 countries in Asia, Africa and the Americas found that the longer a couple is married, the less often they have sex, but that the decline appears to be relative to how much sex they were having when they first coupled. Here’s a look at frequency of married sex comparing the first year of marriage with the 10th year of marriage.

Why does sex decline in marriage? It’s a combination of factors — sometimes it’s a health issue, the presence of children, boredom or unhappiness in the relationship. But a major factor is age. One study found sexual frequency declines 3.2 percent a year after the age of 25. The good news is that what married couples lack in quantity they make up for in quality. Data from the National Health and Social Life Survey found that married couples have more fulfilling sex than single people.

The No-Sex Marriage

Why do some couples sizzle while others fizzle? Social scientists are studying no-sex marriages for clues about what can go wrong in relationships.

It’s estimated that about 15 percent of married couples have not had sex with their spouse in the last six months to one year.  Some sexless marriages started out with very little sex. Others in sexless marriages say childbirth or an affair led to a slowing and eventually stopping of sex. People in sexless marriages are generally less happy and more likely to have considered divorce than those who have regular sex with their spouse or committed partner.

If you have a low-sex or no-sex marriage, the most important step is to see a doctor. A low sex drive can be the result of a medical issues (low testosterone, erectile dysfunction, menopause or depression) or it can be a side effect of a medication or treatment. Some scientists speculate that growing use of antidepressants like Prozac and Paxil, which can depress the sex drive, may be contributing to an increase in sexless marriages.

While some couples in sexless marriages are happy, the reality is that the more sex a couple has, the happier they are together. It’s not easy to rekindle a marriage that has gone without sex for years, but it can be done. If you can’t live in a sexless marriage but you want to stay married, see a doctor, see a therapist and start talking to your partner.

Here are some of the steps therapists recommend to get a sexless marriage back in the bedroom:

  1. Talk to each other about your desires.
  2. Have fun together and share new experiences to remind yourself how you fell in love.
  3. Hold hands. Touch. Hug.
  4. Have sex even if you don’t want to. Many couples discover that if they force themselves to have sex, soon it doesn’t become work and they remember that they like sex. The body responds with a flood of brain chemicals and other changes that can help.

Remember that there is no set point for the right amount of sex in a marriage. The right amount of sex is the amount that makes both partners happy. 

A Prescription for a Better Sex Life

If your sex life has waned, it can take time and effort to get it back on track. The best solution is relatively simple, but oh-so-difficult for many couples: Start talking about sex.

  • Just do it: Have sex, even if you’re not in the mood. Sex triggers hormonal and chemical responses in the body, and even if you’re not in the mood, chances are you will get there quickly once you start.
  • Make time for sex: Busy partners often say they are too busy for sex, but interestingly, really busy people seem to find time to have affairs. The fact is, sex is good for your relationship. Make it a priority.
  • Talk: Ask your partner what he or she wants. Surprisingly, this seems to be the biggest challenge couples face when it comes to rebooting their sex lives.

The first two suggestions are self-explanatory, but let’s take some time to explore the third step: talking to your partner about sex. Dr. Hatfield of the University of Hawaii is one of the pioneers of relationship science. She developed the Passionate Love scale we explored earlier in this guide. When Dr. Hatfield conducted a series of interviews with men and women about their sexual desires, she discovered that men and women have much more in common than they realize, they just tend not to talk about sex with each other. Here’s a simple exercise based on Dr. Hatfield’s research that could have a huge impact on your sex life:

  1. Find two pieces of paper and two pens.
  2. Now, sit down with your partner so that each of you can write down five things you want more of during sex with your partner. The answers shouldn’t be detailed sex acts (although that’s fine if it’s important to you). Ideally, your answers should focus on behaviors you desire — being talkative, romantic, tender, experimental or adventurous.

If you are like the couples in Dr. Hatfield’s research, you may discover that you have far more in common in terms of sexual desires than you realize. Here are the answers Dr. Hatfield’s couples gave.

Let’s look at what couples had in common. Both partners wanted seduction, instructions and experimentation.

The main difference for men and women is where sexual desire begins. Men wanted their wives to initiate sex more often and be less inhibited in the bedroom. But for women, behavior outside the bedroom also mattered. They wanted their partner to be warmer, helpful in their lives, and they wanted love and compliments both in and out of the bedroom.

Staying Faithful

Men and women can train themselves to protect their relationships and raise their feelings of commitment.

Can You Predict Infidelity?

In any given year about 10 percent of married people —12 percent of men and 7 percent of women — say they have had sex outside their marriage. The relatively low rates of annual cheating mask the far higher rate of lifetime cheating. Among people over 60, about one in four men and one in seven women admit they have ever cheated.

A number of studies in both animals and humans suggest that there may be a genetic component to infidelity. While science makes a compelling case that there is some genetic component to cheating, we also know that genetics are not destiny. And until there is a rapid-gene test to determine the infidelity risk of your partner, the debate about the genetics of infidelity isn’t particularly useful to anyone.

There are some personality traits known to be associated with cheating. A report in The Archives of Sexual Behavior found that two traits predicted risk for infidelity in men. Men who are easily aroused (called “propensity for sexual excitation”) and men who are overly concerned about sexual performance failure are more likely to cheat. The finding comes from a study of nearly 1,000 men and women. In the sample, 23 percent of men and 19 percent of women reported ever cheating on a partner.

For women, the main predictors of infidelity were relationship happiness (women who aren’t happy in their partnership are twice as likely to cheat) and being sexually out-of-sync with their partner (a situation that makes women three times as likely to cheat as women who feel sexually compatible with their partners).

Protect Your Relationship

1. Avoid Opportunity. In one survey, psychologists at the University of Vermont asked 349 men and women in committed relationships about sexual fantasies. Fully 98 percent of the men and 80 percent of the women reported having imagined a sexual encounter with someone other than their partner at least once in the previous two months. The longer couples were together, the more likely both partners were to report such fantasies.

But there is a big difference between fantasizing about infidelity and actually following through. The strongest risk factor for infidelity, researchers have found, exists not inside the marriage but outside: opportunity.

For years, men have typically had the most opportunities to cheat thanks to long hours at the office, business travel and control over family finances. But today, both men and women spend late hours at the office and travel on business. And even for women who stay home, cellphones, e-mail and instant messaging appear to be allowing them to form more intimate relationships outside of their marriages. As a result, your best chance at fidelity is to limit opportunities that might allow you to stray. Committed men and women avoid situations that could lead to bad decisions — like hotel bars and late nights with colleagues.

2. Plan Ahead for Temptation. Men and women can develop coping strategies to stay faithful to a partner.

A series of unusual studies led by John Lydon, a psychologist at McGill University in Montreal, looked at how people in a committed relationship react in the face of temptation. In one study, highly committed married men and women were asked to rate the attractiveness of people of the opposite sex in a series of photos. Not surprisingly, they gave the highest ratings to people who would typically be viewed as attractive.

Later, they were shown similar pictures and told that the person was interested in meeting them. In that situation, participants consistently gave those pictures lower scores than they had the first time around.

When they were attracted to someone who might threaten the relationship, they seemed to instinctively tell themselves, “He’s not so great.” “The more committed you are,” Dr. Lydon said, “the less attractive you find other people who threaten your relationship.”

Other McGill studies confirmed differences in how men and women react to such threats. In one, attractive actors or actresses were brought in to flirt with study participants in a waiting room. Later, the participants were asked questions about their relationships, particularly how they

would respond to a partner’s bad behavior, like being late and forgetting to call.

Men who had just been flirting were less forgiving of the hypothetical bad behavior, suggesting that the attractive actress had momentarily chipped away at their commitment. But women who had been flirting were more likely to be forgiving and to make excuses for the man, suggesting that their earlier flirting had triggered a protective response when discussing their relationship.

“We think the men in these studies may have had commitment, but the women had the contingency plan — the attractive alternative sets off the alarm bell,” Dr. Lydon said. “Women implicitly code that as a threat. Men don’t.”

The study also looked at whether a person can be trained to resist temptation. The team prompted male students who were in committed dating relationships to imagine running into an attractive woman on a weekend when their girlfriends were away. Some of the men were then asked to develop a contingency plan by filling in the sentence “When she approaches me, I will __________ to protect my relationship.”

Because the researchers ethically could not bring in a real woman to act as a temptation, they created a virtual-reality game in which two out of four rooms included subliminal images of an attractive woman. Most of the men who had practiced resisting temptation stayed away from the rooms with attractive women; but among men who had not practiced resistance, two out of three gravitated toward the temptation room.

Of course, it’s a lab study, and doesn’t really tell us what might happen in the real world with a real woman or man tempting you to stray from your relationship. But if you worry you might be vulnerable to temptation on a business trip, practice resistance by reminding yourself the steps you will take to avoid temptation and protect your relationship.

3. Picture Your Beloved. We all know that sometimes the more you try to resist something — like ice cream or a cigarette — the more you crave it. Relationship researchers say the same principle can influence a person who sees a man or woman who is interested in them. The more you think about resisting the person, the more tempting he or she becomes. Rather than telling yourself “Be good. Resist,” the better strategy is to start thinking about the person you love, how much they mean to you and what they add to your life. Focus on loving thoughts and the joy of your family, not sexual desire for your spouse — the goal here is to damp down the sex drive, not wake it up.

4. Keep Your Relationship Interesting. Scientists speculate that your level of commitment may depend on how much a partner enhances your life and broadens your horizons — a concept that Dr. Aron, the Stony Brook psychology professor, calls “self-expansion.”

To measure this quality, couples are asked a series of questions: How much does your partner provide a source of exciting experiences? How much has knowing your partner made you a better person? How much do you see your partner as a way to expand your own capabilities?

The Stony Brook researchers conducted experiments using activities that stimulated self-expansion. Some couples were given mundane tasks, while others took part in a silly exercise in which they were tied together and asked to crawl on mats, pushing a foam cylinder with their heads. The study was rigged so the couples failed the time limit on the first two tries, but just barely made it on the third, resulting in much celebration.

Couples were given relationship tests before and after the experiment. Those who had taken part in the challenging activity posted greater increases in love and relationship satisfaction than those who had not experienced victory together.The researchers theorize that couples who explore new places and try new things will tap into feelings of self-expansion, lifting their level of commitment.

Conflict

Every couple has disagreements, but science shows that how two people argue has a big effect on both their relationships and their health.

How to Fight

Many people try their best to avoid conflict, but relationship researchers say every conflict presents an opportunity to improve a relationship. The key is to learn to fight constructively in a way that leaves you feeling better about your partner.

Marriage researcher John Gottman has built an entire career out of studying how couples interact. He learned that even in a laboratory setting, couples are willing to air their disagreements even when scientists are watching and the cameras are rolling. From that research, he developed a system of coding words and gestures that has been shown to be highly predictive of a couple’s chance of success or risk for divorce or breakup.

In one important study, Dr. Gottman and his colleagues observed newly married couples in the midst of an argument. He learned that the topic didn’t matter, nor did the duration of the fight. What was most predictive of the couple’s marital health? The researchers found that analyzing just the first three minutes of the couple’s argument could predict their risk for divorce over the next six years.

In many ways, this is great news for couples because it gives you a place to focus. The most important moments between you and your partner during a conflict are those first few minutes when the fight is just getting started. Focus on your behavior during that time, and it likely will change the dynamics of your relationship for the better.

Here’s some general advice from the research about how to start a fight with the person you love:

Identify the complaint, not the criticism. If you’re upset about housework, don’t start the fight by criticizing your partner with, “You never help me.” Focus on the complaint and what will make it better. “It’s so tough when I work late on Thursdays to come home to dishes and unbathed kids. Do you think you could find a way to help more on those nights?”

Avoid “you” phrases. Phrases like “You always” and “You never” are almost always followed by criticism and blame.

Think about pronouns. Sentence that start with “I” or “We” help you identify problems and solutions, rather than putting blame on someone else.

Be aware of body language. No eye-rolling, which is a sign of contempt. Look at your partner when you speak. No folded arms or crossed legs to show you are open to their feelings and input. Sit or stand at the same level as your partner — one person should not be looking down or looking up during an argument.

Learn to De-escalate: When the argument starts getting heated, take it upon yourself to calm things down. Here are some phrases that are always useful in de-escalation:

  • “What if we…”
  • “I know this is hard…”
  • “I hear what you’re saying…”
  • “What do you think?”

Dr. Gottman reminds us that fighting with your partner is not a bad thing.After all his years of studying conflict, Dr. Gottman has said he’s a strong believe in the power of argument to help couples improve their relationship. In fact, airing our differences gives our relationship “real staying power,” he says. You just need to make sure you get the beginning right so the discussion can be constructive instead of damaging. 

Why Couples Fight

A famous study of cardiovascular health conducted in Framingham, Mass., happened to ask its 4,000 participants what topics were most likely to cause conflict in their relationship. Women said issues involving children, housework and money created the most problems in their relationships. Men said their arguments with their spouse usually focused on sex, money and leisure time. Even though the lists were slightly different, the reality is that men and women really care about the same issues: money, how they spend their time away from work (housework or leisure) and balancing the demands of family life (children and sex).

Money

Sometimes money problems become marriage problems.

Studies show that money is consistently the most common reason for conflict in a relationship. Couples with financial problems and debt create have higher levels of stress and are less happy in their relationship.

Why does money cause conflict? Fights about money ultimately are not really about finances. They are about a couple’s values and shared goals. A person who overspends on restaurants, travel and fun stuff often wants to live in the moment and seek new adventures and change; a saver hoping to buy a house some day may most value stability, family and community. Money conflict can be a barometer for the health of your relationship and an indicator that the two of you are out of sync on some of your most fundamental values.

David Olson, professor emeritus at the University of Minnesota, studied 21,000 couples and identified five questions you can ask to find out if you are financially compatible with your partner.

  1. We agree on how to spend money.
  2. I don’t have any concerns about how my partner handles money.
  3. I am satisfied with our decisions about savings.
  4. Major debts are not a problem
  5. Making financial decisions is not difficult.

Dr. Olson found that the happiest couples were those who both agreed with at least four of the statements. He also found that couples who did not see eye to eye on three or more of the statements were more likely to score low on overall marital happiness. Debt tends to be the biggest culprit in marital conflict. It can be an overwhelming source of worry and stress. As a result, couples who can focus on money problems and reduce their debt may discover that they have also solved most of their marital problems.

Here’s some parting advice for managing your money and your relationship:

Be honest about your spending: It’s surprisingly common for two people in a relationship to lie about how they spend their money, usually because they know it’s a sore point for their partner. Researchers call it “financial infidelity,” and when it’s discovered, it represents a serious breach of trust in the relationship. Surveys suggest secret spending occurs in one out of three committed relationships. Shopping for clothes, spending money on a hobby and gambling are the three most-cited types of secret spending that causes conflict in a relationship.

Maintain some financial independence: While two people in a relationship need to be honest with each other about how they spend their money, it’s a good idea for both sides to agree that each person has his or her own discretionary pot of money to spend on whatever they want. Whether it’s a regular manicure, clothes shopping, a great bottle of wine or a fancy new bike — the point is that just because you have different priorities as a family doesn’t mean you can’t occasionally feed your personal indulgences. The key is to agree on the amount of discretionary money you each have and then stay quiet when your partner buys the newest iPhone just because.

Invest in the relationship. When you do have money to spend, spend it on the relationship. Take a trip, go to dinner, see a show. Spending money on new and shared experiences is a good investment in your partnership.

Children

One of the more uncomfortable findings of relationship science is the negative effect children can have on previously happy couples. Despite the popular notion that children bring couples closer, several studies have shown that relationship satisfaction and happiness typically plummet with the arrival of the first baby.

One study from the University of Nebraska College of Nursing looked at marital happiness in 185 men and women. Scores declined starting in pregnancy, and remained lower as the children reached 5 months and 24 months. Other studies show that couples with two children score even lower than couples with one child.

While having a child clearly makes parents happy, the financial and time constraints can add stress to a relationship. After the birth of a child, couples have only about one-third the time alone together as they had when they were childless, according to researchers from Ohio State.

Here’s the good news: A minority of couples with children — about 20 percent — manage to stay happy in their relationships despite the kids.

What’s their secret? Top three predictors of a happy marriage among parents

  1. Sexual Intimacy
  2. Commitment
  3. Generosity

So there you have it. The secret to surviving parenthood is to have lots of sex, be faithful and be generous toward your partner. In this case, generosity isn’t financial — it’s about the sharing, caring and kind gestures you make toward your partner every day. When you are trying to survive the chaos of raising kids, it’s the little things — like bringing your partner coffee, offering to pick up the dry cleaning or do the dishes, that can make all the difference in the health of your relationship.

Make It Last

Here are some suggestions for how to strengthen your relationship based on the findings of various studies.

Stay Generous

Are you generous toward your partner? How often do you express affection? Or do small things for your partner like bring them coffee? Men and women who score the highest on the generosity scale are far more likely to report “very happy” marriages, according to research from the University of Virginia’s National Marriage Project.

Use Your Relationship for Personal Growth

Finding a partner who makes your life more interesting is an important factor in sustaining a long relationship.

Gary W. Lewandowski Jr., a professor at Monmouth University in New Jersey, developed a series of questions for couples: How much has being with your partner resulted in your learning new things? How much has knowing your partner made you a better person?

“People have a fundamental motivation to improve the self and add to who they are as a person,” Dr. Lewandowski says. “If your partner is helping you become a better person, you become happier and more satisfied in the relationship.”

Be Decisive

How thoughtfully couples make decisions can have a lasting effect on the quality of their romantic relationships. Couples who are decisive before marriage — intentionally defining their relationships, living together and planning a wedding — appear to have better marriages than couples who simply let inertia carry them through major transitions.

“Making decisions and talking things through with partners is important,” said Galena K. Rhoades, a relationship researcher at the University of Denver and co-author of the report. “When you make an intentional decision, you are more likely to follow through on that.”

While the finding may seem obvious, the reality is that many couples avoid real decision-making. Many couples living together, for instance, did not sit down and talk about cohabitation. Often one partner had begun spending more time at the other’s home, or a lease expired, forcing the couple to formalize a living arrangement.

Showing intent in some form — from planning the first date, to living together, to the wedding and beyond — can help improve the quality of a marriage over all. To learn more, read about the science behind “The Decisive Marriage.”

“At the individual level, know who you are and what you are about, and make decisions when it counts rather than letting things slide,” Dr. Stanley said. “Once you are a couple, do the same thing in terms of how you approach major transitions in your relationship.”

Nurture Friends and Family

Sometimes couples become so focused on the relationship that they forget to invest in their relationships with friends and family. Researchers Naomi Gerstel of the University of Massachusetts, Amherst, and Natalia Sarkisian of Boston College have found that married couples have fewer ties to relatives than the unmarried. They are less likely to visit, call or help out family members, and less likely to socialize with neighbors and friends.

The problem with this trend is that it places an unreasonable burden and strain on the marriage, says Stephanie Coontz, who teaches history and family studies at The Evergreen State College in Olympia, Washington. “We often overload marriage by asking our partner to satisfy more needs than any one individual can possibly meet,” writes Dr. Coontz. “And if our marriage falters, we have few emotional support systems to fall back on.

To strengthen a marriage, consider asking less of it, suggests Dr. Coontz. That means leaning on other family members and friends for emotional support from time to time. Support your partner’s outside friendships and enjoy the respite from the demands of marriage when you’re not together.

See a Rom-Com

It sounds silly, but research suggests that seeing a sappy relationship movie made in Hollywood can help couples work out problems in the real world. A University of Rochester study found that couples who watched and talked about issues raised in movies like “Steel Magnolias” and “Love Story” were less likely to divorce or separate than couples in a control group. Surprisingly, the “Love Story” intervention was as effective at keeping couples together as two intensive forms of marriage therapy. 

Obviously, talking about a movie is not going to solve significant problems in a marriage, but the findings do signal the importance of communication in a marriage and finding opportunities to talk about your differences. “A movie is a nonthreatening way to get the conversation started,” said Ronald D. Rogge, an associate professor of psychology at the University of Rochester and the lead author of the study.

The best movies to start constructive communication are those that show various highs and lows in a relationship. Additional movies used in the study include “Couples Retreat,” “Date Night,” “Love and Other Drugs” and “She’s Having a Baby.” Avoid movies that idealize relationships like “Sleepless in Seattle” or “When Harry Met Sally.”

Even though some of the recommended movies are funny and not necessarily realistic, the goal is to simply “get a dialogue going,” said Dr. Rogge.

“I believe it’s the depth of the discussions that follow each movie and how much effort and time and introspection couples put into those discussions that will predict how well they do going forward,” said Dr. Rogge.

By Tara Parker-Pope

Tara Parker-Pope is the founding editor of Well, an award-winning consumer health site with news and features to help readers live well every day. She is also the author of “For Better: The Science of a Good Marriage.”

Twitter: @nytimeswell

Source: How to Have a Better Relationship – Well Guides – The New York Times

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Critics:

There is empirical evidence of the causal impact of social relationships on health. The social support theory suggests that relationships might promote health especially by promoting adaptive behavior or regulating the stress response. Troubled relationships as well as loneliness and social exclusion may have negative consequences on health. Neurosciences of health investigate the neuronal circuits implicated in the context of both social connection and disconnection.

Poor relationships have a negative impact on health outcomes. In 1985, Cohen and Wills presented two models that have been employed to describe this connection: the main effect model and the stress-buffering model.

The main effect model postulates that our social networks influence our psychology (our affect) and our physiology (biological responses). These three variables are thought to influence health, as described in Figure 1. This model predicts that increasing social networks enhance general health. A possible mechanism by which social networks improve our health is through our behaviors: if our social network influences us to behave in a certain way that enhances our health, then it can be argued that our social network influences our health.

For example, it has been demonstrated that higher social support improves our level of physical activity, which in turn has a positive effect on our health. It is unclear if this effect of social support is a threshold or a gradient. The difference between the two of them is that a threshold effect is a necessary amount of social support required to have a positive effect on health. On the opposite, a gradient effect can be described as a linear effect of the amount of social support on health, meaning that an increase of x amount of social support will result in an increase of y level of health.

There is evidence that social integration is negatively linked to suicide and marital status is negatively linked to mortality rates from all-causes.Hibbard (1985) explored the link between social ties and health status by conducting a series of household surveys. Indeed, she found that people who have more social ties, more perception of control, and are most trustful with others tend to have better physical health. Thoits investigated how social ties can improve both mental and physical health.

The results showed that social ties might influence emotional sustenance and promote active coping assistance. The other significant point of this research is that we can define two types of “supporters” able to provide different types of social support. Significant others (i.e., family, friends, spouse, etc.) tend to provide more instrumental support and emotional sustaining whereas experientially similar others (i.e., people who experienced the same life events than us) tend to provide more empathy, “role model” (a similar person looked like a model, a person to imitate) and active coping assistance.

Furthermore, social support can help us to regulate emotions above all when we are facing a stressful event. Probably one of the most famous studies on this field of investigation was conducted by Coan, Schaefer, and Davidson. In their study, they told married couples to go together in the laboratory. All couples reported a high level of marital satisfaction. The study aimed to evaluate the effect of handholding on the neural response to a threat. To create a stressful event, they informed the woman participant of each couple that she will receive moderate electric shocks.

There were three experimental conditions: no handholding, stranger handholding, or spouse handholding. The findings suggested that both spouse and stranger hand holding attenuated neural response to the threat, but spousal handholding was particularly efficient. Moreover, even within this sample of married couples with high satisfaction levels, the benefits of spousal handholding under threat were even more important in those couples who have reported the highest quality of marital relationship.

References

Long Working Hours Killing 745,000 People a Year, Study Finds

 

The first global study of its kind showed 745,000 people died in 2016 from stroke and heart disease due to long hours.The report found that people living in South East Asia and the Western Pacific region were the most affected.

The WHO also said the trend may worsen due to the coronavirus pandemic.

The research found that working 55 hours or more a week was associated with a 35% higher risk of stroke and a 17% higher risk of dying from heart disease, compared with a working week of 35 to 40 hours.

The study, conducted with the International Labour Organization (ILO), also showed almost three quarters of those that died as a result of working long hours were middle-aged or older men.

Often, the deaths occurred much later in life, sometimes decades later, than the long hours were worked.Five weeks ago, a post on LinkedIn from 45-year-old Jonathan Frostick gained widespread publicity as he described how he’d had a wake-up call over long working hours.

The regulatory program manager working for HSBC had just sat down on a Sunday afternoon to prepare for the working week ahead when he felt a tightness in his chest, a throbbing in his throat, jawline and arm, and difficulty breathing.

“I got to the bedroom so I could lie down, and got the attention of my wife who phoned 999,” he said.While recovering from his heart-attack, Mr Frostick decided to restructure his approach to work. “I’m not spending all day on Zoom anymore,” he said.

His post struck a chord with hundreds of readers, who shared their experiences of overwork and the impact on their health.Mr Frostick doesn’t blame his employer for the long hours he was putting in, but one respondent said: “Companies continue to push people to their limits without concern for your personal well-being.”

HSBC said everyone at the bank wished Mr Frostick a full and speedy recovery.”We also recognise the importance of personal health and wellbeing and a good work-life balance. Over the last year we have redoubled our efforts on health and wellbeing.

“The response to this topic shows how much this is on people’s minds and we are encouraging everyone to make their health and wellbeing a top priority.”

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While the WHO study did not cover the period of the pandemic, WHO officials said the recent jump in remote working and the economic slowdown may have increased the risks associated with long working hours.

“We have some evidence that shows that when countries go into national lockdown, the number of hours worked increase by about 10%,” WHO technical officer Frank Pega said.

The report said working long hours was estimated to be responsible for about a third of all work-related disease, making it the largest occupational disease burden.

The researchers said that there were two ways longer working hours led to poor health outcomes: firstly through direct physiological responses to stress, and secondly because longer hours meant workers were more likely to adopt health-harming behaviours such as tobacco and alcohol use, less sleep and exercise, and an unhealthy diet.

Andrew Falls, 32, a service engineer based in Leeds, says the long hours at his previous employer took a toll on his mental and physical health.”Fifty to 55 hour weeks were the norm. I was also away from home for weeks on end.”

“Stress, depression, anxiety, it was a cauldron of bad feedback loops,” he says. “I was in a constant state of being run down.”After five years he left the job to retrain as a software engineer. The number of people working long hours was increasing before the pandemic struck, according to the WHO, and was around 9% of the total global population.

In the UK, the Office for National Statistics (ONS) found that people working from home during the pandemic were putting in an average of six hours of unpaid overtime a week. People who did not work from home put in an average of 3.6 hours a week overtime, the ONS said.

The WHO suggests that employers should now take this into account when assessing the occupational health risks of their workers. Capping hours would be beneficial for employers as that had been shown to increase productivity, Mr Pega said. “It’s really a smart choice to not increase long working hours in an economic crisis.”

Source: Long working hours killing 745,000 people a year, study finds – BBC News

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References

“Spain introduces new working hours law requiring employees to clock in and out”. Idealista. Retrieved 30 April 2020.

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