Dear Abby: My husband has had three serious accidents at work in the past two years. I have quit asking him to do chores around the house because he is always smashing his fingers with a hammer, cutting himself, or falling off the ladder while changing the screens or storm windows. It's a good year when he hasn't had a couple of automobile accidents.

The doctor at the plant where he works suggested that he see a psychiatrist! Why? He isn't crazy.- His Wife

Dear Wife: People who have more than their share of "accidents" could be subconsciously punishing themselves for unresolved guilt. And they need not be "crazy" to do so. I think the plant doctor planted a very sound suggestion in your husband's mind.

Dear Abby: I have a problem that concerns my parents, myself and music. I am 13 and I hate taking piano lessons. My parents know this, but they are forcing me to take lessons anyway.

The lessons are expensive and I seldom practice, which makes it a waste of money, right? My mother says I am so unpleasant at home that I will have to continue taking piano lessons until my disposition improves. My father threatens me by saying that if I don't shape up, I will have to take piano until I am 18!

So will you please tell me, what is the point of taking piano lessons when it is only a waste of time and money?

- Hates Piano

Dear Hates: There are two schools of thought on that. One, is that even a child who "hates" music, and must be nagged, bribed and threatened to practice, can't help but learn something about music, which in your parents' view is better than no musical education at all.

The other school: Never force music lessons on a child. He or she will only grow to hate music. My view: Music lessons are like a vaccination. It's temporarily painful, but if it takes, it's worth it.

Dear Abby: I recently rented an apartment I have in my back yard to a 19-year-old boy with the understanding that he would be living there alone.

Since then, I have seen him with his girlfriend at 7:45 nearly every morning.

The girl is 16 and a junior in high school, so I assume he is taking her to school. The girl's parents are divorced, and the girl is supposed to be living with her father. Several other people have told me they have seen her coming and going from my apartment just like she lives there, and this has me upset.

Should I call her father and tell him what I suspect, ask the boy I rented the apartment to if that girl is living with him, ask him for the apartment and give him some other reason for wanting it? Or should I ignore the whole situation completely as none of my business?

- Landlady in L.A.

Dear Landlady: Talk directly to the boy. After all, you and he did have an understanding that he would be living there alone. And their ages might also be a factor.

Dear Abby: What does it mean when a person puts a stamp upside-down on an envelope?

- Delaware

Dear Delaware: It could mean, "I love you," "I'm in a hurry" or "I need glasses."