Pls help me to move on...

twinkler

New Member
Hi

I have been following this forum for a while and some of the advice given by fellow forummers are really helpful. I have finally decided to post my story here as I need help to move on.

I am not sure how to start and how to relate my story.

I have been in a relationship for about 8 years now and it has been a rocky one. The last few years have been really bad and perhaps it is cumulative but any small trivial trigger point is enough to set my husband and I into a quarelling mode and sometimes, fighting mode.

He would use the word - divorce - to spite me everytime but never actually do it. Deep inside me, I still love him enough to forgive everytime but after confiding to a buddy who used to be very close to me, she told me that I should not allow someone close to me to hurt me deeply in this manner.

We are staying apart for a few months now (unintentionally as he needs to work in another country and I want to be home to attend to visit my family).

Many friends that I met up during this period of time asked me about kids. Deep inside, I know we can't have kids if our relationship remains so rocky. Happened to speak to a friend whom I used to confide in and she asked me to consider carefully about my marriage and whether the man is worth it.

We have always argued about money matters and I suppose this is the key reason why he brought up divorce. We have different views on money management among many other things.

I gave him a huge loan a few years back as his family needed the money to tide things through. His own savings were already depleted as he bought an apartment for his parents (fully paid in cash) and paid for most of the renovation. He had also naively encouraged his parents to invest their pension in equities.

If managed properly, it would be a good move but they invested all (pension + proceeds of sale of old apartment) of it into equities. They had bad luck as market dipped and crashed a few months later and coincidentally, his dad became very ill and required a huge sum of money for his medical bills.

My family and close friends learnt about this and they were not too happy with my decision about the loan, especially my family.

My family argued that they could have mortgaged/sold their new apartment or their few properties to get the cash but MIL didn't want to do it. My family said if MIL wasn't willing to do this for her own husband, they would not do anything for me if I need the money back urgently next time.

There were other small incidents in-between and my close friends felt that he was selfish and my actions weren't appreciated by his family and more importantly, himself. I guess he took it for granted.

Somehow, I had found out that he dabbled in margin trading and lost heavily. After he lost heavily, he told me he would quit but I found out that he continued secretly (as I opposed to it) all along and he had lost even more. His reason for continuing was that he needed money for the escalating medical bills and if there could be rags-to-riches cases, he could be one of them if he had more practice/experience. I told him that if one doesn't know how or cannot bear to cut loss, it is not easy to generate money from such avenues but of course, he couldn't understand this. His parents supported him as they felt that he is doing everything for their sake.

Recently, I needed cash due to some matters at home and when I talked to him about it, he told me to mind my own business and not get involved if I do not have insufficient savings. As it involves my own family, I wanted to help out in any way that I can but we would always end up quarrelling about it. He told me that he doesn't have money to pay me back and if my family matters doesn't involve life and death, I shouldn't get involved if I don't have the means.

He has recently gotten a new job that pays well and I knew he is still regularly dabbling in margin trading (pumping in money and probably still losing) and recently, he is considering new investments so I think he has some extra spare cash but he is not making extra efforts to pay me back. I am not expecting him to pay me back everything but I certainly did not expect his callous response.

I have also found out that he has been lying to me about his financial status and hiding many things from me.

For eg, he told me that his new job did not pay well. I helped him to check around and I thought he was indeed lowly paid until I stumbled across some information in the home during spring-cleaning that showed otherwise. I asked him about it and he became so furious which surprised me. He accused me of infringing his privacy (?) and looking up on his stuff without his permission (??). I should be the one who is angry about him lying and not helping me out with my family matters.

We will quarrel about the same issues everytime and he will always mention divorce without fail. I told him not to mention it if he does not intend to do it but he will always say it to spite me. Like someone in the forum who aptly puts it, it is like a broken recorder that goes over and over again.

I skipped many incidents and details as I think my story is getting a bit long.

The time apart has made me think about our relationship. We have extremely different views on things now and it seems that we are unable to compromise and give in to each other anymore. He kept saying he couldn't trust me anymore but looking back, I don't think I have did anything to betray that trust. On the contrary, he was the one who had time and again betrayed my trust in him by his lies and untruthfulness. I have always believed in communication and not hiding things from each other but he couldn't do it. Now, he blames me for everything even though his bad temper is at fault most of the times. I admit I have a strong temper as well but I do not want to give in when I am not in the wrong.

I feel that our marriage is turning out like his parents'. Not trusting each other, quarrelling until the whole neighbourhod is aware, hiding things from each other, threatening divorce until old age, etc. I can't possibly put up with this until old age because it is so draining emotionally and making me very sick, tired and mentally-exhausted.

I also felt that his inability to manage his parents' expectations is suffocating us. I knew MIL has never liked me. She is domineering. He is the only child and she is overly-protective of him even until now. He does not speak up for me in front of her as she will do emotional blackmail if she feels that she is losing her son. In the past before we got married, she will hang up the telephone in their home and switch off the power in his mobile after 11pm so that I am not able to reach him. I knew he wasn't asleep as he used to call me late at night but it annoyed MIL and she told him our chats disturbed her sleep so he ended up surfing the internet to pass time. There was another time, husband and I were holding hands and talking about silly jokes and walking with MIL from point A to B. (We were already married for a few years at that time) She suddenly grabbed him aside and she held his hands instead. I remembered this incident vividly coz he asked her in surprise what she was doing - holding his hands in that manner. She said very loudly (possibly for me to hear) - "What's wrong with a mother holding her son's hand?" - And the both of them walked in front of me holding hands throughout the journey. I brushed it off as a funny incident and told it as a joke to my mum and close friends about this. They said that his mum must be jealous but all felt that he could have handled everything in a better way so that MIL will not see me in such a negative light but he is not making any attempts to do so. Perhaps he is somehow flattered by the attention from his mum.

From the many incidents, I knew our marriage has broken down irrevocably. It takes 2 hands to clap and for our marriage to end up in this manner, I am responsible for it as well. I have already told my family about everything and they are protective of me and supported the divorce. Deep inside, I still harbour hopes of reconciling but I know it is impossible looking at the way things have turned out now. Both parties need to forgive and forget the past. He is not even willing to give it a try and I know it will be difficult for me to forgive and forget.

My rational self is telling me that I should just leave him and move on so that I will be happier in life. My emotional self is asking myself if I can do more to salvage the relationship even though it is very clear that he wants out. Today, he has insisted that we file for divorce asap so that everything is over soon in a few months.

My family is concerned that I would not be able to get my money back and want me to get a top lawyer to fight for my best interest. If anyone has any good divorce lawyers to recommend, please drop me a mail. It would be greatly appreciated.

Would also appreciate if anyone can give me a jolt and wake me up. I think it is time to move on after so many unhappy years but I do not know how nor have the courage to.
 


miloice

Well-Known Member
his trading style is pretty much the same as betting. The number one thing folks defend their trading as not gambling is that its not purely random but taking calculated informed risked. Actually many forms of gambling offer the same as well. Its not purely random that Sunderland drew with Arsenal. And a gambler that bets beyond his budget is the same as a invester that trades beyond his budget.

The thing about taking sides, don't expect that. Its pretty foolish to want that. Take care. No one can tell you what to do. You have to figure that out. But communication hasn't been open in your marriage. There are lots of personal agenda involved.
 

kittenpie

New Member
I do not want to give in when I am not in the wrong.

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My rational self is telling me that I should just leave him and move on so that I will be happier in life

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Today, he has insisted that we file for divorce asap so that everything is over soon in a few months.
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all these show that you are right to choose divorce.

everything else is more important to him, his parents and his money. it is ironic that being someone for whom money means heaven, earth and hell, he refuses to appreciate your great love and devotion that underwrites your loan to him.

my guess is that you guys are 30+? seems like your HB will never change. through his father's illness he had a brush with a life-and-death situation. yet that does not teach him to love and cherish those close to him. in fact, you write here in black and white that he is clamouring for a divorce. what is there to wait for?


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I gave him a huge loan a few years back as his family needed the money to tide things through.

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you seem somewhat a very good wife. the only mistake you probably had made was that you did not state any terms and conditions to the loan (or did you)? have you heard of the saying Xian1 Xiao3 Ren2 Hou4 Jun1 Zi3? Be a villain first, but be a gentleman afterwards - i.e always pronounce all the unpleasant terms and conditions first. thanks for sharing your story so that all of us can learn something from this
 
I don't think he will give u back the loan. The money is gone for sure.

he is a gambler. and gambler will lose all his money.

he is rather a selfish guy. he cared only of his mother /father, and not you.

Ok. much of the divorce occur because of husband siding with his mother despite of wife is so caring, so helpful to him. or vice versa.

He will not change his way. he will rather stick with his parent's opinion, thinking and ignore yours.

a gambler,(margin trading is worst then mere gambling), someone who doesn't bother about your feeling. who keep on saying about divorce. what's the point of staying with him, giving him childrens and in the end, it's you who suffered.

time to wake up. it's a mistake to marry him. it's not a mistake to leave him. erase him from your life, since he said it's better for him to be without you.

Don't let him touch u anymore.
 

miloice

Well-Known Member
There are many negative references to gambler. I am a gambler. But, I am never in debt from it. The real issue is with ill disciplined selfish people. They are never able to cope with their urges and addictions. Gambling is just one of the many activities that are addictive and more dangerous.

And to these people, they lose because of luck and win because they are good. They need to wake up their ideas. Stop sponsoring financially to their warped addictions.
 

simpleman

Active Member
I am a gambler too - on many fronts.. In fact I am a full-time-part-time gambler..

When I retire I will be a full-time gambler cum taxi driver.

I set aside a few Ks for gambling each month.

The most important things for gamblers:

a) Discipline
b) Greed

If you are discipline and control your greed - you will be fine. But unfortunately, most people cannot handle them.

Marrying a gambler is tough. You will have to think hard about the marriage.

Find a good lawyer but be prepared not to be able to recover your loan.
 

sgbabydoll

Active Member
A divorce lawyer does not handle non-marital disputes because the family court does not hear non-marital cases. To recover your loan, you will have to go to the sub court to start a civil suit. If the amount is less than $10K (which I doubt so in your case), they will send you to small claims court.
 

giantemu

New Member
unfortunately finance differences is one core reason why marriages break up. Yours is one of them. Its obvious (as you mentioned) you guys see finances differently.

I think through your account, the MIL played a pivotal role in influencing how her son, ur husband behave.

Unfortunately, your husband is not going to dump his mother to side with you. You can re-marry but you can never re-born to a new mother.

Moreover, if he is gonna continue to do his margin trading and unable to keep his loss in check, he may implicate you if he goes into debts.

I would suggest, to seperate your finances meanwhile from him. Keep your finances apart and jaga your welfare first. It is unlikely he will return money nor help you in your need. You have to do it on your own means.

I would have thought this major aspect should be talked about or resolved prior to marriage. Now that this surface, it takes alot of effort to get things right.

Your concern now is another issue - about trust- which links to the money problem. His view probably is - my money is my money...ur money is ur money...i don't know how u guys make arrangement about money...joint account, or each share some expenses...etc.

We may think he is a gambler....but he will probably call himself an investor....
 

sgbabydoll

Active Member
Just to add, trying to recover a loan from a spouse can be tricky because he can argue that you have willingly give it to him since he is your husband. I am not discouraging you from trying to recover the loan, but you be prepared for some difficulties ahead.
 

thommy

New Member
Twinkler, your husband is one selfish prick.

I fully support you to get a divorce, please get it done asap.

However, be prepared that you can't get back your money from him like what others suggested here. Just treat it as an expensive lesson learnt and move on.
 

miloice

Well-Known Member
Doll, what consitute leisure gambling?

To me, its not just an interest, hobby and entertainment but also something that at the same time be profitable at times. I agree with sm that a lot of discipline is needed. Last night, I just lost 1k. But its okie. I'm still betting on my profits that I had accumulated since WC. Patience is needed not to rush into a bigger bet to hope for recovery.

I will be having a long vacation in HK at the end of the year. Hopefully, I could draw some more spare cash for the trip.
 

sgbabydoll

Active Member
Milo, I thought you don't gamble much. But looks like you do haha. I am a social gambler. I play mj occasionally with friends.

We are all gamblers. Life can be a gamble.
 

flyingstar

New Member
Twinkler, go for the divorce. u have already spent money, emotions and everything in between to try to improve the marriage.

so don't let your emotional self hold you back. since he wants out, so can you. be strong!!
 

miloice

Well-Known Member
Big or small.. subjective. Rather, do with bet within our affordable budget. If we don't, then we are screwed basically. I stay within the budget of a few matches a day. If I claypot for all, so be it. Tomorrow still got matches. Just relax, calm down and analyze for the coming matches the next time.
 

infojunkie

Active Member
twinkler,

let's face it.

u know u love him more than he loves u... and he knows it too.

that's why he keeps using divorce as an empty threat to mock u.

爱å¯ä»¥æ— ç§ï¼Œä½†ä¸å¯å§”屈。。。

why so 委屈?

well, there is no mutual respect in ur marriage... and it's gd that u decided to call it quits.
 

simpleman

Active Member
albee,

You don't want to know.

It is a high-risk instrument. It is like borrowing money from your broker to buy stocks. If executed correctly you will reap rewards for little capital. Otherwise you can lose your pants as well.
 

mum_of_2_girls

New Member
Hi SM,

Thanks for your explanation.

Guess it's not for me. I never borrow any money to play my stocks.

Because sometimes my judgement is wrong and I have to hold on the stocks until they recover.

How many days do the brokers expect you to return the money you borrow?

Thanks
 

simpleman

Active Member
Holding on to stocks till recover is NOT a good strategy.

You need to open a margin account.. Basically you need to maintain a certain percentage of the purchase of stocks in your account.. I don't think there is a fixed time to return.

OK.. It is just like a credit facility.. as long as you pay the minimum amount.
 

miloice

Well-Known Member
Doll.... i enjoy the entire thing. From analysis, to watching the game and winning. Of cos, no one likes to lose.

And I really enjoy spending my winnings on pamperings either for myself, spouse or family.
 

sgbabydoll

Active Member
Some spouses can only 共患难 but not 共富贵. They expect their other halves to suffer together with them but when they do better, they refuse to share their makings.
 

miloice

Well-Known Member
sm, haha... the only times are when I bet against my own favorite team. That's part of discipline. Just last Sat, my mind says TG under and eat. My HEART says gunners sure to win. Sadly, I paid the price for a reminder of the importance of discipline!
 

simpleman

Active Member
Funny thing.

I used to bet against my wife's favorite team - when we are still happily married..

so when her favorite team lose, I would make money and can buy her a gift or have a nice dinner.
 

miloice

Well-Known Member
that's nice. Too bad my wife is not into football. She is only checking out the cute players.
 

thommy

New Member
milo, my wife supports liverpool cos she thinks Owen is very cute but now that Owen is with MU, she's still supporting Liverpool.

ZZZZZZZZZZzzzzzzzzzzzzzzzzzz
 

miloice

Well-Known Member
Thomas, Owen...same for my wife!

And now she finds Owen too old and uncle liao. No new cute player that really attract her now... though she commented Fabregas is not bad.

She is not into any teams. And the game is boring and meaningless to her.
 

thommy

New Member
haha last sun we both watched the MU vs Liverpool game and were shouting when each side scored goals lol. Luckily MU won otherwise sure cannot sleep haha.
 

simpleman

Active Member
Now my eldest daughter takes over her mother's favorite team..

I don't particular support any team. But I am probably an enemy of most people as I am basically anti-Man U.

The history went long back.. in the 80s.. I have a friend.. does not really play football but die hard Man-U fan. But know nothing about Man-U except to support them and the players.

He does not know how to play football, no football knowledge and yet like to analyse .. so I got too much of man-u overdoze and propaganda .. that I became everything anti-man-U..

Till this day, I am no longer so anti man u but I rather prefer other teams: Arsenal, Chelsea or Liverpool rather than Man-U.

This season will be cheering for Chelsea and/or Arsenal.

My wife/daughter supports liverpool.. so I always buy liverpool to lose.. ha ha.
 

miloice

Well-Known Member
Chelsea current form is really impressive but they have yet to play the big teams. This weekend's game against City would be interesting. Then comes the beloved gunners! Hope Gunners take all 3 points for sweet revenge over their loses to Chelsea in the last few seasons.
 

miloice

Well-Known Member
sm, Mio sucks. Its HD but the amount of disruptions is bad. And you need to reboot that setup box regularly. Thankfully, it reboots in 2 mins now. It use to take like 20 mins. I missed most of the champions league finals 1st half waiting for the stupid setup box to reboot.
 

matka

Member
Milo, maybe your wife can start following the La Liga. Kaka is quite the eye-candy. Not the snack, though it tastes good. lol
 

miloice

Well-Known Member
"so I always buy liverpool to lose.. ha ha."

no wonder u r winning. Keep it up!
happy.gif
 

simpleman

Active Member
MIO TV sucks because of the delivery of the content.. ADSL has a lot of dependency on the signal strength and distance from exchange to your house.

things will improve with open-net.. Govt is also calling for tender for single set-top box..
 

matka

Member
SM, yep. Kaka moved over to Real Madrid last year.

I am also waiting for the single set-top box... but it's going to take ages to implement, bugs and all
sad.gif
 

thommy

New Member
mio really sucks. not only I have to wait a long time for the tv program to load (if I off the box), the internet connection is bad too.

I signed on purely for EPL matches otherwise I won't even bother.
 

thommy

New Member
Money talks sm.

Footballers only have that few years to make as much money as they can, so why not?

I watch EPL is because of my love for MU...I'm not those fair weather fans who jump onto the wagon of winning teams, mind you. Even in bad times I still support them...been with them since 1992 (ever since Premier League started).

And my favourite player is none other than Ryan Giggs!
 

thommy

New Member
yes I do. was in my poly team last time.

now run a few rounds up and down the field also got problem liao haha.
 

simpleman

Active Member
thomas,

In the older days - it is unthinkable for Liverpool player (even ex) to move to Man u or vice versa.

Same for local rivals in the same city club.

It is a very serious betrayal. Not so these days.

The players are all over-paid.. and the clubs are in debts.. But if you are rich, then it is hype to own a club..
 

simpleman

Active Member
Yeah, when older will prefer to play in smaller fields - like 5 a side... there are some with artificial turf.. last time I played was a couple of years back.. no more kaki..
 


thommy

New Member
agree with you that they're overpaid...what they earn in a week is probably what I earn in a few years.

now I got no more stamina to run already haha.
 

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