Same here - retire, hop in an RV, travel the states!
Posted By: The Other Sunshine on 2007-12-12
In Reply to: I would - jlynn
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Retire and then...
Go back to college and take classes for the fun of it. I always said if I hit the lotto I would become a professional student. LOL. I love learning new things. I would travel during my summer and winter breaks. I would also payoff my mother's home and buy me and my sister one. I would also buy a vacation house somewhere where my family could get away and surf.
When you retire
do you plan on staying in the same home you currently are in or do you have other plans and if so, would you mind sharing them??
retire
I hope to be able to keep my job until I do get closer to retirement age. . if something happened now and I lost my job, I would have to find something else quickly. .
This is where I want to retire!
Do you live on the Cape? It is sooo beautiful there.
Yes I am sure, retire early and take your - sm
benefits at a reduced rate. This is from the yearly SS Statement I get in the mail. Also in teh "Before you decide to retire" section; "If you choose to receive benefits before you reach full retirement age, your benefits will be permantely reduced. However you will receive benefits fora longer period of time." (in theory of course). This is from my statement dated August 20, 2007; I kind of doubt it has changed. I remember when my parents decided to take it early; they did not really need the money but figured what the hey, and in my mom's case it worked to their benefit. You need to do the math and figure out the year to income ratio of the difference, etc. In my case, if I take it at 62 I would get $640 a month, wow; but if I wait until I am 67 I get $914-- $274 is not a huge difference but it is to many; and a fair amount to me even now. If I wait until I am 70, I get $1134 -- $220 more a month; now I doubt I'd hold out for that, but I guess it will just depend on my health and financial situation at that time. In order to make that money/break even on my benefits I'd pass on until I was 70; I would have to live until at least 82 to have made the 32K I would have gotten had I taken the $914 at age 67. ---So in my case I sure I will take it at my specified age of 67. I like working and keeping busy. Everything will be paid for then, so I am sure I will be able to live on earnings from a PT job until I decide to collect SS. But I have a ways to go as I am only 42!
Finally had to retire my flip flops
We had the first significant snowfall (3-4") of the season overnight, this morning. Time to stop the denial and get it through my head that winter is here. I paid tribute to my flip flops on my blog. They will be missed.
Travel, travel and more travel
years ago took my children on really nice vacations, Mexico, Carribean, Greece and the like- now they are out and gone I travel by myself on tour groups, last year Alaska, this year another fab trip. My hubs and I go to Las Vegas a couple of times a year and then we go visit Mickey Mouse sometimes but I have the traveling bug more than he does.
When you travel...
prefer to stay at a hotel or with friends or relatives? I personally, as well as my immediate family, prefer to stay in a hotel. You can just do what you want to do. I have a relative who insists that she stay at my house and I just can't understand it. I wonder if I'm strange or if she is strange.
Travel business
Hi, check out my site at ManzoTravel.com and then this site to found out more,
www.teamresult.com and click on Steve Carmack's presentation about the business. I joined and have saved thousands. If you need more info e-mail me at mdalrymple@tampabay.rr.com. You will love this, I have saved thousands.
Travel and Golf
//
I saw the same thing, on a travel ad
busses?? This is a well known agency.
I'm married, but I travel alone often.
My DH and I have different ideas about what is fun. After a few years of trying to make joint vacations work, trying to compromise, and trying to love what the other one loves, we've decided that separate trips are better for us. Even our honeymoon was a disaster! LOL I'm the outdoors type, and would rather camp and backpack, and he's a serious track and field competitor who thinks that a great vacation is a week of running in competitions. We both like history and museums, so what we do is sprinkle weekend getaways here and there in our lives. But he couldn't do a week in the woods with me, and I can't stand sitting next to the track waiting for him to run.
I've done all sorts of week-long trips by myself, and I highly recommend it. The first time you do it, you might feel a little nervous, but gradually, as you relax and enjoy yourself, your confidence builds up. I happen to travel without groups, but my mom has been widowed since 1983 and has done lots and lots of guided trips around the world. She loves traveling that way. Pays one price and everything is planned. She meets new friends and sees wonderful places.
Get out and see the world! You'll love it! And if anyone wants to share info about Ireland, I'd love to hear it. My son is planning a "tramping" trip to Ireland, backpacking and staying at hostels.
Travel the world
Although, I would have to win the lottery for that! I'd probably take out every loan I could and run up the credit cards. I've been to France and NYC (both of which I absolutely loved!) I would love to see Italy and Greece. If I absolutely could not get $ for that, I would volunteer at animal shelters/rescues and volunteer with kids, maybe with Big Brothers, Big Sisters. I've had some scares with health myself and I have thought about it, unfortunately. I would just try to be as happy as possible! I wish you and your SIL the best.
My daughter and I both travel alone
she likes to go to Cancun (we had traveled there years ago when she was much younger) and I have traveled the past few years (plan to this year also) to places like out west and Alaska. I used to travel in the 80s and 90s all the time, just me and my 2 kids out of the country to the carribean (spelling?), Mexico, even to Greece. I absolutely would never let being afraid keep me from going.
And I don’t think it is dangerous just to travel, sm
If I had waited for a Starbuck I might never had a trip before. Believe it or not, never remember seeing 1 anywhere I traveled. Your response is strange.
Hubby is a travel agent...sm
We have been to many all inclusives. For us, we go with a big group of friends every year on vacation, and we will always do AI. The best yet was Barcelo Tropical in Puerto Juarez. It is about 25 minutes away from Playa Del Carmen and 1 hour from Cancun. You never have to leave the resort. The food is EXCELLENT!!!! This place is amazing. Check it out on trip advisor. Lots of places (in Mexico is all I know) are AI and NOT worth it, meaning the food sucks, drinks are watered down, no activities. You have to be careful because you don't want to spend the $$ on an AI and then have to go out to eat.
Definitely NOT work! Be with family, travel if possible. Try
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Wow!!! that's so disgusting. Makes you not want to travel or eat out ever! (nm)
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Didnt say that! I said if she's uneasy with travel to
the US? Mexico will still be thre (unfortunately), so just wait and go when the the crime rate drops a little bit. We Americans have had great big TARGETS on our backs for a long time now, or havent you noticed? So the statistics might not be on an American tourist's side there right now. And if I'm going to be the victim of a crime, I'd rather it were here than in
Mexico. Sure wouldn't want to end up in one of their jails, or even in one of their hospitals.
I think, though, that the main thing that was meant by the gov't. announcement was that college kids shouldn't be going down there at this particular time, especially the girls. Not a very good place to be naiive and inebriated, even in the best of times.
Travel Agent... off original topic
Always looking for a new career away from MT...Since your DH is travel agent, would you recommend it? Can you make a good living at it? How to get started? Have thought of this in the past, but never really knew how to go about it. My DH and I love to travel and he will be retired in a few years, so a career change may do us both good. Thanks for any info. 
In most states...sm
From my own personal experience, in some states child support is until the age of 18 UNLESS the child is going to college full time, in which case it runs until 21 or the time the child is no longer a full time college student. That's how it was when my sister and I were covered under child support from my father, and that's what it is here in a different state for my ex-husband to pay for his son. :)
Sounds good to me. I am going to get in that car and go or go with a travel group. Life is too
short to wait around on other people for whatever. Probably plenty of people to talk to. I just got out of the habit of going alone actually and it is time to get back into it. Sometimes I agree you go with people and spend more time worrying if they like where you wanted to go than doing what you want. Yep I am going to go for it.
Ask the Department Stores that sell them. They often have travel sizes. NM
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In the credits it states that some of the
eliminations are discussed with the producers.
Going to the source and this is what the CDC states about
HPV in men.
http://www.cdc.gov/std/hpv/STDFact-HPV-and-men.htm#cancer
No, actually one of the lowest COL states in the U.S.
Oklahoma.
I have a friend who works cleaning houses (we decided it would be too weird for her to clean my house) and she charges $30/hour. It works out to about the same thing - it takes between 2-3 hours to clean my house.
Not true in MOST states
I believe Idaho is the only state where the age of consent is 18, most states are 16. And even then, the perp usually has to be at least 4 years older. Even if this was true, this would of course be the absolute worst thing to do. She's 17 and it sounds like he's only a year older. This would definitely ruin your relationship with your daughter. If she just lost her virginity at 17, that's not bad nowadays anyway. I know it's hard to hear that your baby is growing up, but just make sure she's completely educated on everything that goes with having sex and hope that she'll make safe decisions.
just so you know, many states have laws
against any corporeal punishment now, especially for "kinship" care (relatives raising kin children). For example, in many states I cannot even give push ups or running laps as punishment, forget about spanking! And throwing cold water on a child would get the child taken away from me. There are laws you can't withhold food as punishment or send a child to be early. There are over 5 million children being raised by relatives and just under 600,000 in state foster care. Things ARE much different now.
there's a states forum here, hit TX once there..NM
Go for it. Most states cannot even get decent
immigration reform laws passed because of the business lobby. How about we take all the out of work American and have the states and feds hire them as immigration officers? Then they could have decent benefits and there might be enough manpower to hunt down all the hundreds of thousands illegal immigrants and immigrants who do not speak English (what is that threshold going to be because I know some teenagers who are deficient in this area) and then we can process them all (more jobs for OOW Americans) back to their countries of origin. Of course, we would have to raise everyone's taxes to pay for all the salaries and benefits of all the new government employees, the holding facilities, the transportation and court costs. And of course, prices would go up across the board for goods and services that previously used cheap labor, and all those signs in Spanish and Vietnamese and Portuguese and whatever else can be repainted or reprinted in good ole American English, which our kids won't even be able to read because of the rotten public school systems where we had to pull even more money out of to pay for all the additional immigration reform costs. Then we can write all new, mega-restrictive immigration laws and create new testing centers and monitoring laws and now all the immigrant rounder-uppers can become babysitters, or maybe we could just section off part of the country, say....North Dakota...as a holding area for potential immigrants to stay for an allotted period of time until they are able to pass all the benchmarks for citizenship within the designated time frame. We can implant RFID chips in each one so we can easily track them down if they escape. If they cannot meet the requirements and don't freeze to death or get trampled by a buffalo herd, then they are sent back to their home country to try again in 10 years or never. We can then tear down the Statue of Liberty and return it to France.
Some States will allow you to transfer
your kids to a public school in a different town/district but you have to pay A LOT of money to do so. Many times it' just as cost effective to send them to a local private school rather than a public school in a different district.
will high gas prices affect your spring/summer travel
j/c. I wanted to go to the beach this year but I don't think we will now. 
I keep a little travel pack in my purse and one in the glove box..bought them at Wal Mart..nm
!!!
eBay policy states.....sm
that the sender has 30 days to send the product. If they don't or can't prove they sent it then you can file a complaint with eBay, and they'll check with the seller who will have to either prove they sent the item (i.e. provide postal information with confirmation #s, insurance information, etc) or the seller will have to refund the money. They do tell you that if the seller has "disappeared" that they may not be able to get the money back; however, at the same time they will block them from selling again. My husband & I have bought a lot of stuff on ebay as well as sold a lot. We always ship within 72 hours and most items we've won we've received with a week. I did have one purchase that the seller kept coming up with excuses for not sending it until the 30 days came and eBay contacted her to ship it or else and she finally sent it... but she did refund my shipping fees because of the aggravation and she wasn't asked to do that.
I just heard on Friday that one of the states out
west is considering paying the mother $500 to carry her child to term rather than have an abortion!!! They feel the mother will want the money and carry the child. When will this madness end?
I have bought 4 homes in 4 different states
with my husband and I am an IC. I have never been asked to get a letter from a service stating I would have work for a period of time. Anyone you contract with, would probably not do that. They cannot promise you anything. WE know that.
BUT what I am asked is how long I have been in the business. That seems to matter the most, as it should. And when I say *over 32 years*, then there is no problem.
If you are happy with you mortgage company and have good rates, then just explain to the loan officer how your job works and emphasize that you have been in the business for 6 years.
As an aside - the last mortgage officer knew I was self employed but when we went in with our W-2s and 1099s, he was shocked at my earnings. He said, *Most of the time, self-employed means no income and a lot of deductions." Make sure your mortgage company knows you make money at this and are not using it as a tax write off.
Good luck to you! and congratulations on your new house! 
I heard that in some states you can bill the MD
I heard this quite a few years ago, never tried it....but our time is as valuable as anybody else's time (outside of emergencies/extenuating circumstances) and I worked for an MD who kept the patients waiting for 5 hours in his waiting room....the elderly were the victims in this case....it was 20+ years ago. And don't you just hate waiting in the waiting room for over an hour and then waiting in that examining room for any length of time beyond 10-15 minutes?!?! Usually a 30-45 minute wait and I don't like that either....
Most of us have places to go, people to see, things to do.....all as important as anybody else.....they are not gods....far from it, actually.
Yeah, they pay our bills/mortgage/rent but doesn't mean we have to like 'em....*l*
thanks for the place to vent...
I think different states may differ in rules...
but the answer was yes in my case. He "quit claim" deeded the house to me, but the mortgage was still in both names. No way is a bank or mortgage company going to let one off the hook in case the other defaults.
Hope this helps.
if he states he thinks he may be an alcoholic, he is asking for help
nm
I thought in most states kids had to be 12 or at least 10 -sm
to be left alone w/o an adult. So even if your state is 10 they are in the wrong for having an 8-1/2-y/o look after a 6-y/o. CPS or whoever should put a stop to that right away I would think. I would report them and also apply for formal visitation via grandparent rights and get it on the records in court. If things escalate with the abuse maybe try for temporary custody of the child (with the aim of getting full custody in the future). I am guilty of sleeping in until 8 or even 9 sometimes but my DH is up at 7 or earlier with the kids and they are 8 and 10 and I don't have to worry too much about them doing stuff they shouldn't. Plus I am usually awake, just lying in bed trying to go back to sleep which never happens!
Wal-Mart corporate policy states....sm
that if you ask the person at the kiosk overseeing the self-check out lines to check you out they have to. Wal-Mart has gotten a bad reputation for not hiring people and then claiming their lack of check out lines being manned by humans is due to not having enough staff. Bull crap - if you pay well you can get good employees. I NEVER check myself out and provide free labor. I rarely go there but when I do, if there's more than 4 people in line ahead of me then I go to the self-check out lines and have the person overseeing them check them out. A couple of times they gave me flack about it and I requested the store manager be called... and then the store manager made them ring me up because the manager knew it was corporate policy.
My husband has asked the manager why they even have 20 checkout lines when he's never seen more than 2 cashiers working at any time of the day. Good question I say!
Of course not - The United States show some dignity?
So typical of our so-called institutions of higher education taking cheap shots at an INVITED speaker.
As to cruel and petty dictator, you have to look no further than the Whitehouse...
CASA, etc in many states have been known to threaten kids...
Without seeing the tapes, etc, I can't blame the kid, especially not knowing the age. Mine, at 7, was chastised by the court-appointed social worker and GAL (guardial ad litem)about not wanting to be with her dad, even though the social worker had learned and verified that her dad had molested another child and attempted to molest an animal (not to mention all his porn they found). Courts and court-appointeds were determined she would "learn to like" her dad,and it was all my fault that she didn't. According to them, he was only trying to help her relax when he had her hand up her nightgown. I have the only appeals court record in the country that I know of (has been cited in several court analyses nationwide) where they specifically stated it is "normal male behavior" for a 50-YO man to be looking at pix of girls believed to be 12 to 15 years old. She is back home with me finally and recovering from the nightmare, but it was not done with any help from the family courts. The Titleman case is the only one to actually be accepted by the US Supreme Court for review.
some of these states make home visits
monthly to monitor, speaking with the children in private, so ya, it could happen. Educate yourself on the laws of your state and then give yourself a break.
Schools' hands are tied in many states....
My daughter teaches third grade. This year, she had a child from Yemen, an Arabic country. His dad, who barely speaks English, bought a convenience store and ran that. His mother speaks NO English. His older brother of two years understands a little more English and can speak it better though. But my daughter's student can't even read the instructions, read English, take a test, nothing. WHat is more frustrating, she is still expected to teach him like the other children (they have no special teachers for ESL students), even though she can't communicate with him. His father is very considerate if he is absent and writes her a note (very badly written at that) but that's all. Now get this....he can't understand anything in class, my daughter is expected to just give him F's or whatever and just keep going, BUT when standardized testing is going on, she is REQUIRED to count his grade in her overall classroom score, which brings the overall score DOWN. Now how dumb is that? This was going on all year but she went in last week, no child, no explanation. She gets a call from the office asking to look in his desk to check for any books he may have left. Come to find out, she was told he and his family had been put on the next plane OUT of the country and back to where they came from. We believe they were here illegally BUT how did they get here, buy a store, and go about their business? Our government allowed their being here....they should be required to explain why that family was here in the first place and why they suddenly disappeared. Our government is so busy trying to cater to everyone, they are screwing the rest of us.
Some states require a Doing Business As license if you work
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Smokers inflict cancer causing agents to people every day, but there are states that
public places anymore and I say, hurray, it's about time! The state of Arizona passed a law overwhelmingly to ban smoking in public places and now it's in effect. If you're caught smoking in a public place you'll either be told to put it out, leave, or be arrested.
Speaking of walking through smoke when going in or leaving a store, I know exactly what that poster means, the only thing is I had to bring my child into that store with me. Prior to the new law, I told the manager how awful that was for me and my child and they had the trashcan/ashtray units moved further away. Still, it amazed me that people would still stand right there at the door and puff away with no regard for anyone else. Well, now, they really have it, but good. It's ILLEGAL to smoke anywhere near a public location, ie grocery stores, malls, library, hospital, any other stores and they can't smoke outside the doors or even on the property itself.
LEA, S-team, M-team can be virtually translated to different states...
the LEA is your local education area (school district) and a universal term. The M-team is "multidisciplinary team" consisting of various teachers, parent, and minimum of the school psychologist. That's what we had (gifted being considered special ed, too, but not funded in all states). S-team is a "specialist focused team" consisting of the M-team and at least 1 specialist in the disability. This should be what you have. The rules surrounding an IEP are federal. Individual states can only add to who qualifies for one, and the LEA just has to follow the rules.
You can request a new IEP meeting at any time. Do it in writing, setting forth (including documentation if you have any) specifics of the issues that have been apparent since the last plan was put in place. Request that the new IEP meeting include an autism (should also include Asperger's, though I'm not well-versed on the condition) specialist furnished by the LEA if your team does not already include one. They are required to convene the meeting within 30 days of your written request. Once the plan is signed, it is considered an agreement and cannot be challenged, so you can't challenge the one he's on now. That's why you want a new IEP meeting to formulate a new plan. If you get no relief from the new plan, DON'T SIGN IT. In the signature line, write "DO NOT AGREE". Find a specialist or psychologist in your area (this will be your expense) to support your position, and file the appropriate paperwork. If they refuse to convene the IEP meeting, contact your special ed liason at the state board of education. They should help you navigate the paperwork further from there because the paper trail will flow differently from state to state.
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