Four wks to retirement - mixed feelings
sherwoodva
10 years ago
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Comments (14)
sushipup1
10 years agojim_1 (Zone 5B)
10 years agoRelated Discussions
Citrus Container Mix - Best Mix ?
Comments (63)Plant54, In reading over this thread again, making sure I did not miss any points. I noticed you stated this... "repti bark! Is this the pine bark shaving for hamster's.?" If you didn't even know about the repti bark till this thread, how could you have tested for a fair amount of time to compare to coconut husks? Not 2 years for sure. Am I missing something..? My hats off to you if you can grow in coconut anything. Josh, I can tell you that everyone I know from across the country, from the deep south to the north, into the Carribeans is in love with the 5.1.1 mix over any mix, even with husks. In fact, my father's Aunt in the Carribeans has dumped all her coconut husk chips into the garden and has chosen bark it, because all her plants were rotting from compaction in less than a year, nutritional problems, and from many rains..I guess I just know more that like the 5.1.1 mix than any other as you do.... Does anyone here ever visit the "container forums"? The percentage of those that are successful with coconut products, pales in comparison with pine bark.. Mike.:-)...See MoreHow do I not feel like this?
Comments (22)This thread may be over but it has been so illuminating and thought provoking for me, as I'm usre it is for everyone who reads it. I have no great advice to give--I dated my dh for four years before we were married. But we were not living in the same city and had to decide affirmatively to sacrifice something --my job or his job--to end up in the same place at the same time. In the end, we decided to do that and we have been happilly married for eleven years. Its kind of the opposite situation from yours--you've essentially been "married" for ten years without having wht seem to you to be the true benefits of marriage which would be living in the same place and having children. After all, if you didn't want those things you wouldn't be suffering when you compare your life to that of your SIL and BIL. You seem to really want something tangible--more tangible even than real estate and joint accounts. On the one hand it sounds like you've had all the benefits of marriage for years--you've travelled and had a signficant other and owned property and vacationed together. But have you ever really lived together? Have you started to do those things which are truly "married"--not planning for retirement but planning to live together and have kids? Now that I'm engaged in a renovation with my husband I can testify that renovations don't make a life happen-life is already happening and the renovation only disturbs that. I live close to my parents, and I anticipate needing to care for them in the hopefully distant future but it seems odd to me that you have felt you *had* to live at home with your mother in order to care for her. And once you made that decision it seems wrong that that decision has prevented you from going ahead and marryign your SO. People live with their in laws--its not a bar to getting married. And grown women move out of their mothers houses to get married if it is. Essentialy you are saying that you don't feel you can be a married woman and live with your mother full time in her house--you could do it, but you don't want to. If so, you are going to need to fish or cut bait. Either move your SO in and start life as a married couple (whatever that means to you) or move out and start life as a married couple. There is never going to be a perfect situation in or out of your mother's house, its just going to be a compromise. Marriage/privacy/adulthood or marriage/lack of privacy/living space. You pay your money and you take your choice. hugs abfab...See MoreWhat is the Point - Saving for Retirement?
Comments (42)Both of my grandparents stayed at home until they were in their late 80's and then Mama had no choice but to put them into a nursing home. My GF lived about 3 years after and my GM is still living. She turned 100 in Sept. She has very good care and is the favorite in the home. She has a double room and has been lucky for the most part about room-mates but she has had a couple that were a chore to deal with. When they retired they had a substantial amount of savings and their home with a few acres of land. We hired one of the home health aides to come spend the night with them for a few months but were paying out about $300 a week and all she was doing was sleeping there. Anyway now my GM has been in the home for about 13 years and all of her money is gone. She gets $30 a month and goes to the beauty shop in the home once a week and the family pays for her TV and phone and any other things she needs. Her money was building up in her account and they told my sister that we needed to spend some of it because she wasn't allowed to have but a certain amount and she was over the limit. Family members moved into their home for a few years and then when it was vacated we sold it and the money went to the home. We had no problem with that. They've taken good care of her and know they will continue to. The main point is that people save their money for their old age and then when they get their and need it for health care the other family members often think it should be theirs. Yes, we've paid taxes most of our lives but nobody can live on the amount of taxes you pay in for a month. Probably the best solution would be to go back to many years ago where extended families just built onto the family home and the kids stayed after marriage and were there to help care for the elderly family members (great-grandparents) and the grandparents are there to baby sit for the grandchildren. Thus cutting out a lot of expenses. Of course we've gone away from this custom for too many years for most to want to do it. G'nite John-Boy! lol Nancy...See MoreStrategies for a Shaky Market: the timing of retirement withdrawa
Comments (17)The guys running the investment advisory that I referred to last March, as having super growth rates over a numbr of years but less well in recent years, with a 15% loss in '07 ... ... had a really bad year in '08 - down 36 or 38%!! Check their system principles and results at "www.contratheheard.com". But a lot of the rest of us had some rather heavy losses, as well. Although the markets look pretty bad now, I think that this may be a good time to start buying some stocks. And I want well-researched ones ... so I'm subscribing to their advisory service ... I don't think that they've lost their touch! It seems to me that they're on sale now ... and doesn't 40% off sound like a good sale price? Of course ... they may go down more, so be on "fire sale" later ... so I'm not too enthused about committing too much at present ... ... but it isn't much fun to arrive at the station to see the back of the train moving down the track/plane climbing into the sky. So, after a few months, buy some more ... and a few months later, buy some more. They've been telling us for years not to try to time the market! Invest more or less equal dollar amounts on a regular basis, over a substantial period when the market is down. But only money that you can leave alone for a good five years. If it stays down longer than you'd expected ... you have that many more dollars at work when they do not only start, which they usually do several times, then drop again ... to grow again on a sustained basis. By the way - during the investment phase, you want to invest equal number of dollar amounts on a regular basis. But when you enter the withdrawal phase, it seems to me best to develop a good nest egg of guaranteed-dollar investments, then withdraw equal number of units of investment on a similar periodic basis. That way, you aren't forced to sell an unusually large number of stocks in order to achieve the dollar amount that you need to cover your rather immediate needs. I feel that I can safely avoid the need for that substantial cushion on hand to cover immediate needs during a prolonged downturn without being forced to cash out an unusually large number of stock/equity-based mutual funds in order to cover immediate needs, for I regularly live on less that my monthly pension income. Going in - invest equal numbers of dollars on a regular basis. Going out - cash in an equal number of shares on a regular basis and, since the number of dollars per cash-out will vary, have some cushion on hand to offset the low current income. Learning how money works (and the tax implications of various strategies) ... an interesting hobby ... that pays well!! "pays" and "well" - a couple of "four-letter" words with which I can enjoy being associated! But life is much more than money - I enjoy being associated with a number of other situations in life, as well. ole joyful...See Moresherwoodva
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