Dream One:

Ms. Frankel represents the obstacles you face with your wife; in this case Ms. Frankel isn't the actual person; she is symbolic of the challenges (i.e, you being worried that your DW would find her attention of you offensive) - it's all about how to gain your W's favour.

Swimming pools represent social situations and activities. It was an actual competition so this again represents your obstacles with W, feeling you have to win her back and being internally worried about people's judgements of you.

Finger games - well any sort of game is a reminder that it's not the winning that matters but how you play (i.e, how you conduct yourself through this time, how you treat W, etc etc, which is more important than whether you actually 'win' her or not).

Children are generally good luck, especially when playing, and adult fingers represent sexuality/love so this is the area that the dream is referring to when saying it's how you play that counts.

A ladder (either literal or suggested) relates to your life path, i.e, 'going up the ladder' often refers to career and/or love choices, 'going up in the world' etc etc.

Dream Two:

Again, swimming pools are social situations. Swimsuits are social disappointment (i.e, you are disappointed over the sitch with your W) - it is only lucky if you swam in the nude, LOL.

Her wearing sunglasses means you are distrustful of her and think she is hiding something from you, not giving you the full information.

Babies represent love/joy, either something you will have in the future with her or something that you wish you had. It's the same definition for the little girl.

I would say it's also your repressed desire to have children.

Breeze is changing directions are smiles are very good too, so I'd think all this means that you have been hurt/disappointed and you don't trust her but that things will probably turn around for you.

Dream three:

Again, swimming pools relate to social situations and activities. Children are good luck, joy, love etc.
Plants are good too. If they were wild, this relates to love, if they were potted, it means a new baby will be born to your family or to close friends or even to you at some point in the future (the pot/vase represents the womb and the plant growing up from it represents the baby).

The chairs/loungers represent comfort and ease, unless they were empty, in which case it means you will hear surprising news.

To answer your question about water, it usually represents the life force/health/vitality and the womb, new life etc, love affairs, but this is only in relation to the sea, ponds, rivers, fountains, taps etc.

Swimming pools were artificially created for man's entertainment and therefore relate to social opportunity.

Sorry it took me so long to get around to this. You wouldn't believe the stuff that has happened in my life, LOL. I've just been ticking off a few more in my dream diary!

Jo.