Dear Ann Landers,
Many years ago, my daughter asked me to co-sign a loan for a new car. She was young and just starting out, so my wife and I agreed to co-sign. After making only a couple of payments, she defaulted. By then, my wife and I had divorced, and I had remarried. My new wife and I ended up paying $246 a month for almost four years in order to pay off that loan. We did it because we felt it was important to maintain our credit rating, as well as our daughter's. My ex-wife refused to help in any way. Our daughter is now engaged to a fine young man. When we divorced, my ex-wife and I agreed to share the cost of a wedding whenever our daughter decided to marry. Since my ex did not contribute one cent to paying off that auto loan, I do not feel obligated to contribute to a future wedding and have said so. My daughter, with her "good credit rating," just bought a new car and took a nice vacation. She has never offered to pay back one red cent of the money I laid out for her first car. The young man is wonderful and had nothing to do with this mess. I feel uneasy about backing out on the wedding expenses, but I still think I'm justified in doing so. What do you say? -- Still Hurting in Levittown, N.Y.

Dear Levittown,
Sorry, I don't agree. You are mixing apples and oranges and coming up with lemons. Years ago, you and your ex-wife agreed to share the cost of your daughter's wedding "whenever she decided to marry." Well, Dad, the time has come, and you are honor-bound to keep your word.

Dear Ann Landers,
I am the grandmother of a child who was put up for adoption. It was an open adoption, which means the adoptive parents send my son photographs and letters so he knows how his child is doing. The adoptive parents are lovely people, and my grandson is doing wonderfully. Not a day goes by that I don't thank God for them. Every Christmas and birthday, I send gifts to my grandson because I want him to know I care about him. The adoptive parents have a second child, and I make sure to send gifts to that child, too. The rest of my family disagrees with this. They say I should distance myself from the boy and stop keeping in touch with the adoptive parents. Tell me, Ann, are they right? Is it a mistake for me to maintain a relationship with this child? The adoptive parents have never asked me to back off, nor has my son objected to my presence in the boy's life. Christmas will be here soon, and I would appreciate your opinion. -- Torn in Texas

Dear Texas,
Who, exactly, is "the rest of the family," and what business is it of theirs? These people who are giving you this bum advice should be told you are dealing with the matter in your own way and that all parties involved are satisfied with how things are being handled. (That is shorthand for MYOB, and if they don't get it, spell it out for them.) Keep reading for a different kind of Grandma story:

Dear Ann Landers,
I have been going with a man for three years. "Jerome" has a 5-year-old daughter, and I don't know how much longer I can tolerate that child. She tells her father where to sit, where to stand, when to go out and what to eat. She walks around his apartment and insists on holding his hand, no matter what he's doing. She even goes to the bathroom with him. (He says she cries if he locks her out.) If she awakens in the middle of the night, he allows her to sleep with him. Jerome is divorced, and his daughter spends two nights a week at his place. I realize she misses her father, but this seems to me a very unhealthy attachment. When she is with him, she won't play with her toys or watch TV. She only wants to sit on his lap. This child has so many hang-ups it saddens me. Jerome says I am jealous of her, but I don't believe this is true. What do you say, Ann? -- Ready To Give Up in Richmond, Va.

Dear Richmond,
Dump Jerome, unless you are willing to play second fiddle to that pathetic spoiled brat for the rest of your life. Unfortunately, her brattiness is not her fault. Her father (probably guilty about the divorce) has catered to the child to the extent that he is totally under her thumb. Adios, Jerome, and the sooner the better.

Dear Ann Landers,
My in-laws have a habit of coming to our home without calling first. There have been times when my mother-in-law has called me on the phone "just to chat" and never says a word about coming over. Then, she shows up at the door 10 minutes later with a goofy grin on her face. I'm sure she enjoys these surprise attacks. My husband has asked his parents politely several times to call before coming over. One Sunday morning, they dropped by, and he refused to let them in, saying it wasn't a good time. You'd think they would get the hint. They didn't. I have come home from work on my lunch hour to find them in the house. We also have come home from work and seen evidence that they had been here. My husband gave them a key to our previous house, but when we moved, I refused to let them have a spare. However, there is a key that we keep hidden outside for emergencies, and my husband told his parents where it is. He said apologetically, "They might need to get into the house in case of an emergency." Ann, what can I do about this galling situation? I'm at the end of my rope and totally out of patience with my in-laws. Please advise. I no longer can think rationally about this problem. -- Ohio Nightmare Without End

Dear Ohio Nightmare,
Your principal problem is not with your in-laws; it's with your husband. Telling his parents where to find the hidden key was nothing short of a betrayal. Find another place for the key (not the mailbox or under the doormat -- that's the first place thieves look). Inform your husband in no uncertain terms that he is not to tell his parents of the new location. If your in-laws show up again on a Sunday, tell them bluntly that you are not ready for company and to phone in the future, please, because you cannot entertain them properly when they just drop in.

Dear Ann Landers,
I have always maintained it's the thought that counts when it comes to gifts. In that light, I'd like to know what you think. Over the years, my husband, our children and I have received an odd selection of gifts from my in-laws. They are always used -- from their attic, a thrift shop or a fire sale, or otherwise recycled. We have laughed it off, decided that they are eccentric and disposed of the gifts. I can understand used books, clothing, jewelry and toys, but last Christmas, they went a bit too far. Our teenage son received an assortment of used aftershave -- complete with mildew on the bottles. He just laughed and tossed it in the trash. My husband and I, however, felt insulted. These people are financially well to-do. They see our children only when they visit on birthdays or Christmas. They stay through dinner and leave just before dessert is served. Then, we don't hear from them until the next major event. When we ask them to spend more time with the grandchildren, they make all kinds of excuses for why they can't manage it. After being rebuffed numerous times, our children have stopped asking about them. Ann, if it's "the thought that counts," what thought can there be behind such insulting gifts? I hesitate to ask them, because I do not want to hurt my husband, but I would appreciate your opinion. -- Daughter-in-Law in Englewood, Fla.

Dear Englewood,
Here are a few adjectives: cheap, no-class, stingy, tightwads, and toss in stupid, weird and kooky, since they apparently believe they are getting away with it. How sad that they're missing out on their grandchildren's lives. When their crummy gifts arrive, just toss them in the trashcan, and let it go at that. Would you believe a woman in Minnesota wrote to tell me that last Christmas she got the same fruitcake she had given the woman two years before?