If I was close to retirement, then I'd
Posted By: do just that and see message on 2008-03-18
In Reply to: what would you do - ??
work in a flower or gift shop or even a coffee shop part-time. It's hard to make any money doing this anymore since everything is either going low-pay/high ESL, or voice recognition, which in my opinion does not save your wrists, and you get paid less to do more as far as I'm concerned. I'm in a bad mood today, can you tell? Sorry to take it out on you, but you asked. I'm no where near retirement age by the way.
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Close to retirement age (for me), if you could would you
take a reduction of 6% on your social security if you could - mine starts at age 66 and next year I will be 65 so that late would only mean 6% off instead of full social by the age of 66. If you had a chance, would you do that or would you wait until full and then draw plus being able to work?
I am close to retirement age and got property taxes
just a few days ago, about $2,250.00- I called and asked if I got anything off when I reached another age, say 70 or so and was told in 2009 I will have reached the golden age of 65 and my taxes would be only about $800.00 per year! Good Golly Miss Molly, talk about good news! The school tax break comes through then for me. There are some good things that come with aging and this is one!
We are close in that we live about five miles from each other, but we aren't close like good frie
By husband and BIL WERE pretty good friends, though.
If you are set on closing, do not close the old ones, close a newer account first.
Your credit is based on a mix of things like history, types of accounts, mix of credit (revolving vs installment), usage/utilization of credit available, and payment history. Where closing could hurt your score is the part of the score that averages history of accounts/length of credit. If you decide to close, close out a newer account first.
The best way to protect from ID theft as far as credit is to freeze your credit reports. It's around $10 per agency to freeze them. Each credit reporting agency tries to sell your their own monitoring plan when you get to the how to freeze information, so make
sure you are freezing it.
You can't freeze it over the net they each require a letter by registered mail. It takes about 1 month to freeze it.
Right now you can place a fraud alert on your reports for free. The credit *should* not extend credit or do a credit line increase without calling the phone # on your credit report first. You only need to do it at one credit reporting agency and the other ones will be notfied. The number for equifax fraud alert 1-888-766-0008. It's automated.
If you are concerned about ID theft try one of the monitoring plans. I've tried a few of them and Equifax has the best one. Their Score Watch is great, you set the limits to be notified and any change they send an email literaly the next day. I used it after I discovered ID theft. It might be a waste of money for you. I would place the fraud alerts, then the freeze, and check your reports 2x per year.
I've had ID theft as far as my name/social but what concerns me more than credit ID theft is bank account theft. I don't know how we can fight that. It seems like consumers get the raw end of the deal as far rights when deposit accounts are stolen.
Retirement...
Thanks so much, I definitely will sit down and figure it out before taking drastic measures.
retirement
You know....I don't know what I was thinking of! Double-dipping sounds very attractive right now..you guys are awesome, thanks.
Retirement?
Not me, I am going to die in my chair with my foot on the pedal unless I win the lottery!
Patti, my retirement age is 67
not 64, not 66 and I think they are going up on the age requirements as I speak. As you probably know, folks living longer now and that is the reason behind that. I can draw social security now in 1 year and 10 months. Can we say goody, good and hope those fingers hold out!
The age for some retirement has changed
I am almost 65 (next March) and my retirement age is 67. It has gone up with people living longer and people born around my year and later will find their social security starts later than 65. I am still working and hope to continue- I have retirement money starting next April from place outsourced from (being independent contractor, that will probably pay part of my taxes for the month, ha!) I guess I should go ahead and contact SS so I can find out if and when I should sign up.
Past retirement age.
NM
oh joy. there should be a retirement age, as in mandatory. NM
.
Having retirement, investments good but
what has happened recently with these as it pertains to the economy we are in? I worry because an elderly aunt of mine has investments which her son oversees but I have the feeling hers has probably dropped quite a bit. I have not asked but most have these days.
Retirement and info on MTs who are semi-retired
Ok, fellow workers, MTs has answered questions in the past for me. I am almost 64 and would like to be a part-time employee and get my social security; however it is of concern to me about how much a person can make a month and how many hours you are allowed to work. I hear money is taken from your SS check if you make over so much a month. I would get now $1500 plus a month from SS but I enjoy working and even work some overtime so just concerns. Anyone out there with any thoughts about this, sure would enjoy hearing from you. TIA
Retirement home/assisted living
Go to one of the retirement homes or the higher class assisted living complexes in your area that has a beauty shop in it and I bet dollars to doughnuts that they can give you what you want as that is how they do it for the ladies in those areas.
In April I start getting retirement money
Ok, don’t tell me to ask my accountant, don’t have so thought I would ask here. I plan on continuing to work because I want to. I am in the 30% tax range. Normally I would pay $600 per month as an independent on my taxes. With the new income, I should be paying $750.00 a month and that would be what I am making now plus the new retirement, which, of course, is counted as income and I have to pay taxes on that. This is what I am thinking- taking the $500+ per month and now I only have to take bimonthly $125.00 per month and that with the $500 per month and pay my income taxes. Does anyone have any ways to make this money grow until I pay my taxes quarterly? Banking of any kind, CDs, bonds, whatever. Any ideas out there? Thanks.
Mine hit 50% for me. So long, retirement dreams!
Take animals to the Nursing Homes and Retirement Homes and Childrens Hospitals. NM
x
I would really keep a close eye on her
if like you say the distance is making him more psycho. Sounds like a really dangerous character to me. And of course, we both know that "mother knows best" but then again, did we listen to our mothers? NOOO! We did exactly the opposite of what they wanted us to do! We all have to learn our lessons in life the hard way. Like you said, at least there are no children involved. Just count your blessings that she got out before she devoted too many years to this warped relationship!
She is only 19 and we are so close sm
I told her this week that I will always love her as her mom, support her like her mom, be concerned for her like her mom, but that we have both allowed our relationship to flower into a friendship where one happens to be 28 years older than the other and that one gave birth to the other.
She has given me so much to be proud of, so much to be thankful for, and this is part of it.
Don't close out your IRA!
Cashing out the IRA has big consequences. Depending on how much is in there you could be getting some pretty big penalties. Not to mention that the value of it is down enough that you're taking a loss even without factoring the penalities into it. The car is still running, right? Granted, you said not for much longer, but it's at least still running now. I would wait. Dealerships are always having sales - even the used car guys. With the economy going the way it is, they're not going to be having much luck and I have a feeling that by the summer you'll be able to find something decent within the range that you've got without cashing in the IRA.
You must have been close to your dad...sm
I have never been close to my dad. Not that I wouldn't be hurt if something happened to him, but I am very close to my mom. You know sometimes you can tell when a parent doesn't want to be bothered with you and I always got that feeling from my dad but never from my mom. I knew he loved me but sometimes he didn't seem to want me around.
if it is close
I would not give one of those slimeballs one more penny, let alone $6,000. That party was a scam all the way. If you have equity in your home, just thank God that you did not get caught up in this stupid 1920's style disaster and pay that house off!
I was close, eh?
;)
Close to my home!
This happened pretty close to me, actually.
I haven't heard everything, but I guess they finally caught them!!
I have only caught a few pieces of it on the news here and there, running between one thing and the next.
The only thing I've gathered from it is that this lady has had previous problems dealing with social workers--problems as in on her end. This was her 5th child. 3 have been taken away and another had died of SIDS.
The social worker was killed by "several puncture wounds with a sharp object".
That's really about all I know....
Were you guys close before this? I just
cannot believe this has escalated into this now. Even if she couldn't pay for it, she should have just admitted that they were at least partly responsible. To physically attack you though...I mean, this is your sister!
Good luck with everything and keep us updated.
Anyone from Modesto, CA or very close by - sm
I am going to be going out to Modesto next week, and I don't know how long I'll be staying. I was wondering if anyone from that area knew of any "extended stay" hotels or hotels like Towneplace Suites or Hawthorne - that are great for long stays. Or perhaps someone from Modesto or nearby might suggest short stay furnished apartment complexes.
Any ideas would really help. I've been on the internet looking at hotels until I'm blue in the face and soooo frustrated. Please feel free to email me. Thanks again and any ideas are greatly appreciated.
maybe a close relative the pet knows?
nm
Close to Springfield IL
Wow, you are close to where I live. I live in Virginia, IL which is about 35 miles west of Springfield and my husband teaches and coaches in Springfield. I have always lived around this area and like it very much.
How close are you to Inwood, WV?
My friend Arlene called from there this evening and told me about the lockdown at Musselman HS last Friday...it was just a stone's throw from where she lives and her niece goes there. It appears you're neighbors there in the 4 corners. She's originally from WV....lived here in KY for a while and we sang together for a minute.
I re-read your original post and explained to her about your son having been at VA tech in April...double whammy. How'd that all work out?
Perhaps you'd like to say hello to her sometime....It's always good to find another friend. If so, e-mail me and I'll hook you guys up.  Cat
Just have him standing close would
tell me if he were smoking, it would be obvious. I don’t think I would probably buy the friend story. I probably would have spoke up and said well let me have his number and I will call him so he can come and get…
Very close, up a tad north of you....
My husband refuses to go further north than Tennessee. He believes he will "freeze". I, on the other hand, grew up in the south but have ALWAYS longed to live up north. I have a cousin who grew up here with me. She went to Vermont one year for some job or something, came back home, and said she was moving up there. She did and is now in her late 50's and dreads having to come back down here. She loves it too! She keeps wanting me to come visit but I would want to move even more. Now, I probably will say no to Alaska. I had a girlfriend who moved up there one week after getting married (her husband was from there). She is a southern girl and she was miserable. She would call crying, was thawing her walls out with a blow dryer. I was dying laughing and she was squawling. Twelve years later, she finally told her husband she wand the kids wer moving back south....he could come if he wanted. He did and they have been here ever since.
Is not WellStar close to you
WellStar Cobb- I don’t know if they have nursing school or teaching there but the hospitals, Kennestone, Cobb General- I don’t know which have nursing schools- Atlanta Medical did years ago, but I think you would find out you would probably not have to spend much- if anything- on your schooling. I think it is a win-win situation for you. Good luck!
no longer close....
That is what I thought half would be fair. But I know she wouldn't pay it. Because I have learned how she is. I realize I should have gotten it back way before then but I just said you know I am sure she has it put up and I will get it back. I had no idea she shampooed her carpet that often. And no I will not be loaning her anything else. From now on IF I loan something out( she is an exception I won't be loaning her anything) saying you break it you replace it is a good idea. Let's them no if they can't or don't want to replace it then don't borrow it. I did say something to my husband's brother about it. My husband and her husband are twin brothers. He did not offer any money on it. And when I told him I needed to get half of what it cost he gave no answer. My husband says let it go and learn your lesson to never let them borrow again. But I still think it is only fair to have at least half my shampooer cost paid.
Even though my grandkids very close by
they both drive yet never come this way. Have not seen them now in 2 or 3 years I guess. Got letter from GD when she started college saying shame she saw her great aunt more than me- told her this had gone on since she was first born, nothing new- my DIL never wanted to share with me so I just finally said enough. Tried and tried but her family not only pushed me aside but I really lost my son also, like they engulfed him. Oh well... I have lived at my new home since 2004 and living 15 minutes away, he has never been here. Live and learn.
She didn't come close to us
And as the poster said below her concerts sold out in minutes. I doubt I'd be lucky enough to get tickets. On the upside, we had an amazing time. Didn't get home until 1:30 this morning, so thank God I've been on vacation for the last three days.
Well, rats! So close and yet so far! - nm
x
Don't close them if you are thinking about
a mortgage, etc.
I have been advised to leave them open as this raises your "available" credit, thus helping your score.
I have read several articles and the general concensus is to leave them open.
I have a couple the cards are just in the bill folder. Will not use them. However, if the temptation would be too great for you, perhaps you should close them.
How do you like to close your letters?
I use Cordially a lot. I have a new job where I'm writing to business people a lot and don't want to use Cordially all the time, nor do I want to copy what they use.
I've received Best Wishes the most. I guess there are the old standbys, like Sincerely or Sincerely yours (capital Y in yours) but those feel weird.
Can Thanks count?
you are close-minded...sm
What about these other dogs such as German shepards and Rotties, and even some of the little ones like my sister's boston terrier that tried to attack my son? I didn't get angry. I just said you know I know she is sweet with ya'll but she has to stay outside when I go over because she is aggressive towards other people. I have had a poodle try to bite me. I don't ever get mad at the owners cause I know these dogs are gentle and kind with them, but I am not familiar and it is doing what its instincts are, which is to protect its territory and owners. My beagle does not like other female dogs. She will try to bite. If you knew this sweet little beagle you would say no way would she try to bite but with another female dog yes she will. ANY dog can bite. ANY dog can be dog aggressive. ANY dog can be people aggressive. But lets face it, the pit is prejudiced becaues it is a pit. It is a big muscular scary looking dog. So therefore it has no right to share the instincts most dogs have? It isn't a pit thing, it's a dog thing. Banning dogs is unfair. If we are gonna ban dogs then lets be fair and ban ANY aggressive dog. If that was the case and we banned all breeds who showed any aggression we wouldn't have any breeds left because all dogs can be aggressive.
No where even close....100Kyes?? No 5 is avg. sm
But no I have to wait (Express line only - can understand regular line) for somenone to fill out a piece of paper to be handed back to them? Um, No! Sorry, don't care how cute checks are........ years ago had cute ones too then I grew up and done with that. Cute checks do not matter when it comes to "get me out of here ASAP."
1 VERY close friend, about 6 others and sm
my life is full. One of those *friends* is really one of my hangers on and I'd like to terminate that relationship. I terminated one a couple of months ago, and 2 others last spring because I really will not tolerate being asked for money.
I have a couple of local friends, not MTs. I have 2 or 3 long distance friends who are MTs. I have also recently reconnected with a childhood acquaintance whom I have not seen for 36 years.
It is not that I am unfeeling or unfriendly, but I find anymore that my new friends feel close to me long before I really feel much of anything towards them. I think I am slow to buddy up the way others do.
Not an oxymoron but close enough
that it is difficult to find jobs like that (especially in certain areas of the country).
Funny you mentioned Chuck E. Cheese Mouse ... I always thought it would be fun to be a sports team mascot.
I'd like to learn how to make pottery but never thought of working in a studio. Not bad!
I'm too wimpy for the circus, and I wrap like a two year old. Lol Oh well. : )
don't know how close a friend she was
and of course don't give her any more money, but she may be really desperate. With the economy the way it is I think we are going to see people get more and more desperate and do things they would never do otherwise. If it were a really close friend of mine I would probably sit her down and express my concern. She may feel awful about herself because she is so out of control.
I'm close to being in your shoes
Lots of sharp replies from people who probably don't know the whole story.
I've been fighting it for some months now and it is going to take months before I can recover. An MTSO I worked for lost a client in November, but that was okay because I had a doctor account and a second MTSO job to pick up the slack. In February the first MTSO lost another client and as I was low man on the totem pole, my account was given to those without work and I was let go. Still okay, I thought, because I would just make the second MTSO the primary MTSO...which worked for about a week when I got the notice that MTSO was cutting my pay by 70% by switching to VR editing. Okay, I had some notice and I found another company to make my primary MTSO but it has taken time to build up my lines - took a pay cut but grateful to have a job and still had the doctor account. Now I've heard this new MTSO will soon be switching to VR editing. 
I had just signed the lease on the apartment I am in. I am single with no family to help and have a 6 yo child to raise without CS. Everyone goes through a bad patch sometime in their life and I hope this is as bad as it gets. I have my health and the ability to look for another job. My LL has been very understanding and is working with me for a couple of months. Even though money will still be tight for a while, at least for another month there is a roof over our heads and a chance to work to turn things around.
I hope things turn around for you soon 
Having seen this whole thing go down up close and personal =
I have been divorced 13 years, had daughters 8 and 12 at the time, and his mother came first. She seemed to glory in coming between us - it became a game that I was not going to win. There's one thing that I don't think anyone else has brought up yet. Children learn what a relationship should be from watching how their parents treat each other. It became apparent to me that I did not want my daughters to chose a man who treated them the way their father treated me. It has been difficult and I have not had a life because my kids really had to come first and I had to work all the time to keep them comfortable - but I knew I had made a horrible choice and hoped that I could salvage their future relationships.
Look for close by package deals...sm
There are lots of places that you can get married without it costing a lot of money and have the pictures, minister, music, flowers, reception, etc. and keep it small in size.
What state do you live in so we can help you find places?
Well, your Realtor wants to close the deal.
Therefore she will have certain agreements with this guy, though I'm sure he would say he's independent.
Have been married to close to 10 years
and what in the world are you talking about that a relationship requires work? My hubby and I really mesh together wonderfully and I work at my job, but at my marriage?? We love each other, respect each other, care about each other and I am puzzled by the having to work at a marriage....What is hard about a marriage?
I just rec'd a call from a close friend who was just dx with sm
mitral valve regurgitation. From what it sounds like it is a severe case - sudden onset of shortness of breath, chest pain, etc. Does anyone have any info on this on a personal level, i.e., you have it or someone you know have it? She is so young - 38 - and her husband is serving in Iraq. She takes care of 2 small kids at home by herself. What kind of hope does she have? I know of 2 surgeries - repair, annuloplasty, etc., but what else is there to do? She left the hospital on no meds. They told her they would contact her Monday when the doctor was in. Of course, this is the military for you.
I am so concerned for some reason. Her kids are off staying the night at a friends tonight so she can sleep (this is unusual). Also, she told me she just can't get out of bed in the morning anymore (for the past week). From what I read this is the "late" stages, severe cases (extreme fatigue). Whereas some with MVR have no symptoms at all.
Any help would be appreciated here. Thank you so much.
snuggle him close every night :-)
I would just lay with him at night until he falls asleep for a while. Yeah, it's babying him and maybe even spoiling him a little - but they're only little for a little while. He just wants to feel close to you and feel secure. May be feeling like he is growing up and not sure if he is supposed to be a baby or a big boy. My kids are most susceptible to those kinds of feelings when they are tired. Just lay with him and snuggle him at night until he goes to sleep and hopefully he will forget about it soon.
How horrible. My family and I are so close.
I cannot imagine even using such terms about my family.
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