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,
Two weeks ago, when I came home from the supermarket, I found a note from my husband saying there was too much pressure in his life and he needed to get away. I immediately checked our bedroom and found that all his clothes were gone. A few days later, I learned he already had another apartment and a new phone number, which proved he had been planning his escape for quite some time. I had an awful feeling of betrayal when I realized that the person I had been sleeping next to for so many years would plan to sneak off and leave me without saying a word. The note he left said he would contact me in a few days. It has been nearly a week, and I haven't heard from him. My friends tell me I should phone him and find out exactly what he has in mind, but I don't want to do that. After all, he is the one who left, and I think he should make the first move. Please give me some advice. -- Confused in the Midwest

Dear Midwest,
Don't rush. Let the dust settle. Wait another week. If you don't hear anything by then, call and tell him you need to know what his plans are so you can make yours. You gave me no clue as to your age, how long you have been married or what your financial status is. If I knew more about your situation, I could be more helpful. Good luck.

Dear Ann Landers,
Here are my spouse's excuses for avoiding sex: I'm tired. I'm too nervous. It's hot. It's cold. I'm too full. I have a headache. I have a stomachache. The kids might hear. I have to go to work. My mind is on other things. It's too early in the morning. It's too late at night. I'll bet you think this letter is from a husband complaining about his wife. You're wrong. It's from a wife complaining about her husband. He is 50 years old, and I am 40. We are both too young to be giving up sex. If you have any suggestions on how to improve this not-so-hot relationship, I'd like to hear them. - - Failing in Fresno, Calif.

Dear Fresno,
The best way to improve a "not-so-hot" relationship is to heat it up. Be subtle but persistent. It sounds as if your husband is unsure of his ability to perform sexually. He needs reassurance, praise and the knowledge that you really do care about him. Start talking.

Dear Ann Landers,
My 32-year-old daughter is getting married for the second time. My daughter and I have a good relationship, but my ex-wife and I barely speak. She and my daughter made all the wedding preparations and paid for the whole thing without any assistance from me. I received a wedding invitation, but it excluded my fiancee, "Greta." Greta and I have been together for the past six years. During this time, my daughter has visited us often and always seemed comfortable with the relationship. Greta is very hurt and angry that she was not invited to the wedding. She asked me to speak to my daughter about the "oversight" and said that if no invitation was forthcoming, I should not go to the wedding, either. I spoke to my daughter, who told me it was the expressed desire of her mother, my ex-wife, not to invite Greta. My daughter receives a lot of financial help from her mother and is obviously reluctant to go against her mother's wishes. What should I do? If I attend the wedding alone, Greta will think I let her down. If I don't go at all, my daughter will assume I favor my fiancee over her and will be crushed. Any suggestions would be appreciated. -- Dad in Bonita, Calif.

Dear Dad,
Greta should have been invited to the wedding because she has been your significant other for six years. She was not invited, however, which means she is not welcome. It would be classy of Greta to say, "Go -- have a good time, and bring me a piece of wedding cake." If she does not choose to be gracious, go anyway. This is your daughter's day, and her wish to have you there takes precedence.

Dear Ann Landers,
My husband and I have been married for 18 years. We have two fine children. Five years ago, my husband had an affair. I was devastated when I learned about it, but I did forgive him. He promised never to see the woman again, and he has kept his word. Here's the problem, Ann. The woman has kept in close touch with my in-laws for the past five years. My mother-in-law is well aware that this is very upsetting to me, but she continues to be friendly to the would-be home wrecker. Even my husband has asked his mother to stop seeing the woman, but she continues to be chummy. We moved from Florida partly to get away from this unpleasant situation, and believe it or not, this woman had the gall to move to this same small town. My nerves are completely shot, and I am beginning to develop health problems because of this. Can you help me? -- Hurt in Alabama

Dear Alabama,
You cannot do anything about that woman, but you can do something about yourself. Get some counseling at once. I've often said, "Nobody can take advantage of you without your permission," and the same goes for "torturing." You must put on an emotional raincoat and let whatever comes your way slide off. As for your mother-in-law, you have no right to dictate to her whom she should socialize with, so again, dear, put on that raincoat. Meanwhile, your doctor can give you something to settle your nerves.