Retirement cards

Retirement poems, retirement cards, poems for retirement with AWESOME GRAPHICS & SPECIAL EFFECTS

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A. United will be finished on Sunday = bye bye title B. Vidic will be finished on Sunday = hello red card C. Ferguson's career will be finished = bye bye prem titles record - hello retirement home D. all of the above - any of the above

Here is the story: The company I had worked for, for nearly 20 years was bought out and the new company laid off over 80% of the employees. The severance package I received and my vacation "buy out" totaled nearly 7 months. During the last month I worked, the company brought in people from the state unemployment office and job assistance programs to meet with those being let go. During that meeting it was mentioned that people who receive severance packages etc may not be immediatly elligable for unemployment benefits. There were two "waves" of employees who went out before my "wave" went, and I was hearing from some of those, that because of the size of their severance package they were being told they did not qualify yet and wait till the severance package ran out. Then I heard the nightmares they went through when they reapplied. When I left with my packages, I opted to not go through what they went through. Frankly, with a package that equalled almost 7 months, I wasn't expecting to be unemployed that long. I had never been unemployed for more than 6 weeks in five jobs I had over nearly 25 years. I had always been able to find work quickly. One time I wasn't even without work long enough to receive my first unemployment check. After 7 months I was still unable to find a job and the severance package ran out, so I filed for unemployment. During this time I was faithfully paying my bills. When I decided to file for my credit card insurance is when all hell broke lose. I called the company, was told they don't deal with BofA anymore. I called back, oh yes they handle BofA, but I'm not on the list. I call BofA. BofA gets angry and calls themselves. They get the same runaround... first told they don't handle it, then when the lady at BofA said "Um, I AM BofA!!" The lady on the other line said "Oh, let me transfer you to the people who take care of that" Then that person said I'm not on the list. The lady at BofA said BULLSH*T (yes she did). Then I was miraculously found. They sent me the paperwork. I filled it out and sent it back. They lost the paperwork and wouldn't accept a copy of my copy. So I refilled it out. They declined me saying I didn't file for unemployment within 30 days. I got pissed. By this time, I had to move and couldn't deal with this, while looking for work and a place to live. When I got settled again, I called BofA. at that time my intent was to find out how much I paid over the years and atleast try to get that money back. BofA wasn't happy with what I went through, so they tried again. Again we went through the same situation... They don't handle BofA, oh you're BofA, yes we do, that person is not on our list, oh, wait yes she is. You should have been approved, we'll resend the paperwork. Again I filled out the paperwork and again I was declined. What are my options at this time? Do I have any legal recourse? Is this even legal? There are extrenuating circumstances for everything and these people don't seem to acknowledge them. Frankly, I feel by the way they tried to sneak around saying they didn't handle that account and then saying I wasn't on their list, it's as if they are trying everything possible to not pay up. I have prided myself on keeping my credit in good standing. To get this monkey off my back and not knowing what exactly my future was, I opted to take money out of my retirement savings to pay it off. But they still should reimburse me. I paid them... for years. This is not right. I appreciate you reading my story and appreciate any assistance and advice you can offer.

Last semester was my first semester in High School (Freshman). I got an A in Honors History, Honors Biology, and Advanced Orchestra; I got a B in Beginning Dance and Honors Tenth Grade British Literature and a C+ in Honors Algebra 2A. I had a very difficult time adjusting to high school because I have OCD, which distracted me from my work. I transfered into regular Algebra 2B and I am aiming for straight A's this semester. Next year I plan on switching back into Honors Pre-Calc. I also, next year, I plan on taking AP classes to boost my GPA, start a "Free the Slaves Club" (something I have wanted to do for a very long time, not just for credit), continuing viola, continuing singing, continuing my after-school language, and volunteering at the retirement home, pet shelter and homeless shelter. Is there anyway I can get into Harvard with a bad first semester report card?

The Dinner Roll .. Once upon a time I was invited to the White House for a private dinner with the President. I am a respected businessman, with a factory that produces memory chips for computers and portable electronics. There was some talk that my industry was being scrutinized by the administration, but I paid it no mind. I live in a FREE country. There's nothing that the government can do to me if I've broken no laws. My wealth was EARNED honestly, and an invitation to dinner with an American President is an honor. I checked my coat, was greeted by the Chief of Staff, and joined the President in a yellow dining room. We sat across from each other at a table draped in white linen. The Great Seal was embossed on the china. Uniformed staff served our dinner. The meal was served, and I was startled when my waiter suddenly reached out, plucked a dinner roll off my plate and began nibbling it as he walked back to the kitchen.. "Sorry 'bout that," said the President. "Andrew is very hungry." "I don't appreciate..." I began, but as I looked into the calm brown eyes across from me, I felt immediately guilty and petty. It was just a dinner roll. "Of course," I concluded, and reached for my glass. Before I could, however, another waiter reached forward, took the glass away and swallowed the wine in a single gulp. "And his brother, Eric, is very thirsty," said the President. I didn't say anything. The President is testing my compassion, I thought. I withheld my comments and decided to play along. I don't want to seem unkind.. My plate was whisked away before I had tasted a bite. "Eric's children are also quite hungry." With a lurch, I crashed to the floor. My chair had been pulled out from under me. I stood, brushing myself off angrily, and watched as it was carried from the room. And their grandmother can't stand for long." I excused myself, smiling outwardly, but inside feeling like a fool. Obviously I had been invited to the White House to be sport for some game. I reached for my coat, to find that it had been taken. I turned back to the President. "Their grandfather doesn't like the cold." I wanted to shout, "that was my coat!" But again, I looked at the placid smiling face of my host and decided I was being a poor sport. I spread my hands helplessly and chuckled. Then I felt my hip pocket and realized my wallet was gone. I excused myself and walked to a phone on an elegant side table. I learned shortly that my credit cards had been maxed out, my bank accounts emptied, my retirement and equity portfolios had vanished, and my wife had been thrown out of our home. Apparently, the waiters and their families were moving in. The President hadn't moved or spoken as I learned all this, but finally I lowered the phone into its cradle and turned to face him. "Andrew's whole family has made bad financial decisions. They haven't planned for retirement and they need a house. They recently defaulted on a subprime mortgage. I told them they could have your home. They need it more than you do." My hands were shaking. I felt faint I stumbled back to the table and knelt on the floor. The President cheerfully cut his meat, ate his steak, and drank his wine. I lowered my eyes and stared at the small grey circles on the tablecloth that were water drops. "By the way," he added, "I have just signed an Executive Order nationalizing your factories. I'm firing you as head of your business. I'll be operating the firm now for the benefit of all mankind. There's a whole bunch of Erics and Andrews out there and they can't come to you for jobs groveling like beggars...we need to spread YOUR wealth around..." I looked up. The President dropped his spoon into the empty ramekin which had been his crème Brule. He drained the last drops of his wine. As the table was cleared, he lit a cigarette and leaned back in his chair. He stared at me. I clung to the edge of the table as if it were a ledge and I were a man hanging over an abyss. I thought of the years behind me, of the life I had lived. The life I had earned with a lifetime of work, risk and struggle. Why was I punished? How had I allowed it to be taken? What game had I played and lost? I looked across the table and noticed with some surprise that there was no game board between us. What had I done wrong? As if answering the unspoken thought, President Obama suddenly cocked his head, locked his empty eyes to mine, and bared a million teeth, chuckling wryly as he folded his hands. "You should have stopped me at the dinner roll," he said.

my husband and his ex-wife had it written in the divorce settlement that each would keep the other the primary beneficiaries on their life insurance, retirement and deferred compensation, until their daughter turns 25. that will be in about 2yrs and 8mo. He named me executor of his will naming me soul beneficary as well as changing his life insurance, retirement and deferred comp over in my name.then we were told that the divorce settelment over rides the will and his naming me beneficary..QUESTION: how can we change this divorce settlement? she will not agree to it, unless its left to her daughter, that leaves me with a lot of loans, credit cards, and misc bills that are in his name, many he had prior to our marriage.

So over the years, we have seen each other thru it all. Recently I lost my job of over 25 years, plus my retirement, medical insurance,etc...tough at anytime, but especially when you have 2 daughters in college, and my wife has breast cancer..The next week, my wifes mom died.We lived in California and my wife needed to get to Indiana to make arrangements for her mom. My great friend, made all the arrangements, went and got the girls at school, flew my wife, daughters and me to Indiana. Gave my wife a charge card and told her to use it for any expenses...we would work it all out later. Then a few days later my friend and his wife, and 5 out of 6 of their kids flew to Indiana to attend the funeral and bring the girls back to school, while we stayed to straighten things out. How do you repay your best friend...how do you express that in the worse of times they were there...what can we do?.

There is really no excuse - Americans make more in salary (on average) than most other countries, except for a few countries in Europe. That means that the average American has plenty of opportunities to save money for retirement and for emergencies. And yet - the average American worker has less than $10,000 in total retirement savings! The average American household has around $9,000 in credit card debts. Many Americans save so little money that they can't even pay for their own healthcare coverage if they lose their jobs. What the heck is up with this? I remember being in Germany, and even though people make less money on average than Americans, they saved a lot more, and they could afford nice stuff like yearly beach vacations to Thailand, simply by managing their money carefully. Why haven't Americans done the same? "Who the hell are you?" I'm an American born and raised in Texas, you moron.

Thanks to FD for writing Main Event. Pyro Goes off and the Announcers talk though the match card,both give there predictions on who will win tonight and both try to guess what FD will Announce after his match. Match 1. Winner becomes #1 contender to Junior heavyweight championship. Nigey mcbonez vs. King Cliff vs. Kawaji. Match starts with KC attacking KI when KI gets into the ring,NB rolls-up KC from behind 1..............2.......kick out,Both men get up and Lock up,NB sends KC off the ropes and hits him with a missle drop kick,NB puts KC in a headlock,KI got up and hit NB With a shinning wizard,KI focused on KC now and grabbed him up onto his feet and hit him with a kick to the mid-section,KI went for a DDT but KC reversed it into a spinning neckbreaker,KC covered KI 1...........2..............Kick out,KC picked Ki up and went for a bodyslam but KI elbowed KC in the face and hit him with a russian leg sweep,the crowd was solidly behind KC,there hometown hero at this point in the match,KI climbed the top turnbuckle and NB got up and jumped up onto the turnbuckle as well,both men exchanged blows until NB got the better off KI and nailed him with a suplex off the top turnbuckle,All three men were down in the middle of the ring and NB got a shoulder across KI's chest 1...............2............KC breaks it up,KC grabs NB up and hits him with a forearm to the skull,KC sends NB into the turnbuckle and goes for a musclebuster but NB reverses it into Torando DDT,KC rolls out off the ring and NB goes back on the attack on KI,KI punches NB in the mid-section and climbs the turnbuckle and hits a crossbody block,KI hits NB with a series of lefts and rights to the head,NB gets KI off,and sends KI off the ropes and hits him with a Armdrag,NB holds onto KI's hand and locks him in a crippler crossface in the middle of the ring,KI refuses to tap and KC rolls into the ring and locks KI in a Boston Crab while NB still has KI in the crossface,KI is in the hold for a minute and a half until he taps out,The Ref rings the bell but who won?the ref looks confused,Both NB and KC made KI tap out so the question is now,who's the number one contender? Winner:King Cliff and Nigey McBonez Match 2 Maxine's retirement match DCW Divas championship Maxine (C) Vs. Ms.Candylicous This was Maxine's last match in DCW,Maxine was sure she would retire as champion but MC thought different,MC stuck her hand out for a handshake but Maxine kicked MC in the gut and sent her off the ropes and went for a spear but MC leapfrogged over it,Maxine crashed onto the mat outside the ring,MC climbed the turnbuckle and hit Maxine with a Crossbody,Both divas got up and Maxine sent MC into the ring apron,Maxine rolled MC back into the ring and covered her 1...............2............kick out,Maxine grabbed MC up to her feet and MC fought back with a series of lefts and rights and kicked Maxine in the gut and sent Maxine off the ropes and hit her with a dropkick,MC Locked Maxine in a leglock but Maxine got out off it by elbowing MC in the head four times,Both divas got up and MC went for a clothesline but Maxine kicked MC in the gut before she could hit it and Nailed MC with a DDT,Maxine pinned her 1.............2......kick out,Maxine grabbed MC back up and sent her into the turnbuckle,Maxine speared MC into the turnbuckle a few times before hitting her with a Suplex,Maxine put MC in a arm wrench,MC kicked Maxine in the head a few times,Maxine let go and stumbled back into the ropes,MC got up and hit Maxine with a dropkick to the knee,and rolled her up 1................2............kick out,MC grabbed Maxine and went for a hurricana but Maxine reversed it into a Powerbomb,Maxine grabbed Mcs leg and locked her in a Boston Crab,MC managed to crawl to the ropes and Maxine was forced to let go,Maxine let MC and went for another Suplex but MC landed on her feet and kicked Maxine in the back,MC ran the ropes and hit Maxine with bulldog,MC turned Maxine over and pinned her 1..........................2..........kick out,MC Climbed the turnbuckle and hit a Frog Splash onto Maxine,She went for the pin again 1.........................................2..........................kick out,MC grabbed Maxine up and went for the Candy Wrapper but Maxine shoved MC away and hit MC with a Spear,this now looked to be all over right now,Maxine covered MC 1...............................2.........Kick out,Maxine starred shocked,Maxine got up and went over to the turnbuckle and waited for MC to get up before going for another Spear,MC ducked out off the way and Maxine went shoulder first into the Turnbuckle,MC rolled Maxine up from Behind 1.......................2.......................3.MC wins the Divas title,Maxine loses in her Final Match,The Referee hands MC the Divas title and Cameron Hart and Holybell come down and celebrate with her. Winner:Ms.Candylicous Match 3 DCW International Championship Don vs. Icon vs. The Funking Punk (C)

so, this is a paragrapgh from an article I read earlier. it doesn't make sense that they charge 7,000 a month on their credit cards . they say that if they can't pay the balance off each month, they will do without food. they're not charging their meals on credit or what? what is more important that food and shelter? and how is 7,000 to 10,000 in credit card debt such a big deal for someone that clearly makes good income /(seeing they charge 7,000 a month and only have 7,000-10,000 in debt) my mother is in 20,000 in debt and only makes 12,000 a year..... article: Ever make a totally committed promise to use credit cards wisely? It may be time you did. Marcia Noyes and her husband of Golden, Colo., regularly held credit card balances between $7,000 and $10,000. "We used to pay just the minimums," says Noyes "even though we were wallowing in debt." A stroke of good fortune was the catalyst they needed to make an abrupt change with how they dealt with credit: Her husband's early retirement package enabled them to pay down the debt all at once. "We made a vow right then that we would never again pay the minimum on any credit cards," she says. "Now we use the cards instead of them using us." The couple charges about $7,000 per month but then pays the bill off. Noyes admits that staying on track isn't always easy, but that vow is sacred, saying, "We'll do without food before we don't pay a credit card in full." Today, they track every penny and have perfected their money management routine. "Once you get out of the minimum payment habit," assures Noyes, "it becomes a way of life."

The 6 months living expenses thing is NOT an option. So basically I have 2 grand in saving. Now student loan repayments are coming soon. I have two part time jobs at the moment and I plan to spend about $500 a month on student loans starting next month (I have one private loan with a 12% interest rate so I'm trying to knock that out before the others are in repayment as well. Also plan on paying off ALL accrued interest so it won't capitalize. My other loans have a 6.8 interest rate) That $500 is AFTER I paid off my bills, food, maybe $100 in savings, and $100 for free-will purchases (let's face it, everyone wants to go out sometime. This includes fast food, shopping, movies, or whatever. But I don't spend out much so I might not even use all this). I would feel really comfy keeping that 2 grand in the bank for rainy days even though the savings interest doesn't even compare to the interest those loans are gathering. I was thinking maybe putting $100 away a month to build up savings... if that. Should I be saving more or focus on paying off the loans. Basically, having two jobs, I don't feel too scared about being unemployed since I'll have something to fall on if something happens. I also have a $3000 limit credit card (no balance on it) if I needed something (but since I have no car and I rent, I can't see myself ever having that problem. No big ticket items to worry about. I have renters insurance if you're thinking what if my place burns down or I get robbed.) So is it wise to keep that two grand in the bank or use it towards loans? And should I be saving more than $100 a month while trying to pay off loans? I was thinking any extra money, like if i pick up hours at work, would also go to savings or should I use that for loans? Should I be saving at all? I know savings is important long run but I'm hoping to be debt free in 5 years or less then I can worry about things like retirement. Maybe saving for a car or house is good but not thinking about owning anytime soon so I don't feel pressed about that. I just turned 22 if that helps but things in perspective. If you don't want to read the question, don't give an answer. I clearly said I'm 22.

Siberian Wolverine's music hits throughout the arena,the fans give some boos,he comes out to ALOT of fireworks and confetti,3 Days Grace performs his theme song Pain live :}* Oh yes yes yes,finally I have won the WYA world title folks,like it or not,*rises title in the air*,folks,as much as you might not like this picture,its the truth,and its reality,so you better get used to this scene,because your going to be seeing me with this title belt for a LONG time,heck,I will probably retire with this belt.Oh yes,speaking of retirement,tonight im competing against Dark Demon in his last match here in WYA,now Demon,im gonna have you leave the land of WYA with not so fond memories,im gonna leave you with memories of how you got your *** kicked by the one and only Siberian Wolverine.But right now is not about business,right now is about PARTYING!So lets start the party off with a bang!*raises title high in the air,when he does,fireworks go off on the stage and in the ring*,now,lets bring out the boys.*3 Days Grace goes in with Siberian Wolverine. *SW and all the and members raise each others hands in the air*Oh yes,nobody can party like The Siberian Wolverine,now,I got 3 Days Grace to perform for this momentous occasion,E&C Connection couldnt get his favorite artist to perform live here,even though he tried to book Ke$ha and Lady Gaga to perform,he was just to noobish.Oh well for him.But anyways,BRING OUT THE BEER.*People with SW shirts on come out with beers* *3DG and SW drink the beers,SW is on his 2cnd when a man comes out* Security Guy:SW you better stop consuming that beer right now! SW:Who in the hell are you? Security Guy:Im part of security,and it says right here in the law that you can not consume beer or any other alcoholic beverage before competing in a athletic sport here in Cincinnati{made up where the show was :} } SW:So your saying your gonna ruin my whole celebration? Security Guy:No you just cant consume any alcoholic beverage. SW:Like I said,your gonna ruin my whole celebration? SG{Security Guy}:Sure,I dont care. SW:Your going to pay for that. SG:What? *Adam Gontier{lead singer of 3 Days Grace} hits the security guy in the head with his guitar* SW:HAHAHHAHAHAH that was delicious. *3DG and SW high five* *SW and 3DG poor beer on the security guy's body,crowd was kinda getting into it,they laugh during the security guy segment* Oh yes,1 more thing to make this party a success,the WOMAN! *Bunch of hot girls come out* Ah were living the life. *SW and one hot girl start kissing while SW holds up the world heavyweight title* but E&C Connection sneaks out and hits Wolf with a low blow he then poses with the Title. *Cuts off to commercial* Match 1 WYA Mid Card Championship Richard Kingston vs Justin Windgate Justin and Richard lock up, Richard throws Justin into the trnbuckle but Justin runs back and hits Richard with a spinnung neckbreaker, Justin with the cover, 1...........2......KICKOUT, Justin covers him again, 1..........2.......KICKOUT, Justin then goes to hit Richard Kingston with a Twist of Fate, Richard reverses and hits a Demonic RKO, 1.............2.........3 Winner and STILL Mid Card Champion: Richard Kingston (sorry for the crapy match) Match 2 No Disqualification winner faces WYA Champion at Redemption Risky Business vs ScarFace vs Straight Edge Punk vs Armoured Sweet Shaun ScarFace and Risky and A S S and SEP start brawling with Risky and Scar brawling outsideand SEP and A S S brawling in the ring, SEP hits A S S with a Lariat and goes to the outside where Risky and Scar are brawling he hits them both with a Spinebuster, he throws th both in thering, SEP pins A S S, 1............2......KICKOUT, SEP then pins Risky, 1...........2......KICKOUT, SEP ins ScarFace, 1............2.......KICKOUT, Risky and Scar then get up and both Team up and Throw SEP over the top rope, Scar hits A S S with a Lionsault while Risky hits him with a Risky Powerbomb, Risky then picks up Scar for a Risky Powerbomb he hits it but Scar hits Risky with a Codebreaker aswell and they both pin eachover, 1...........2..........3 Winners: Risky Business and ScarFace (Draw, both face Justin in a Triple Threat at Redemption) Match 3 WYA Championship Justin vs NVD NVD and Justin lock up, Justin throws NVD to the outside and starts beating on him he throws NVD into the Guardrail and throws NVD back into the ring, Justin then hits NVD with a leg drop and laughs, Justin picks NVD back up and his him with chops followed by WHOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO!!!!!!!!!!!!!!!!!!!! Chants, NVD gets up but Justin hits him with a big boot followed by another chop, Justin and the Fans shou, WOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO!!!!!!!!!!!!!!!!!!!!!! NVD gets up without Justin noticing, NVD low blows Justin and hits a FROG SPLAH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 1....................2...............3 and NVD is the NEW WYA CHAMPION!!!! After the match, Justin hits NVD w

for about 6 months I have been putting 6% (Company matches with 3%) of my $40,000 salary into my 401k... but with a current lack of an emergency fund and some credit card debt I am considering lowering it to 3% (1.5% match) for a little while and then bringing it back up once my financial situation is a little more stable. would this be a bad idea? the way I see it I am still very young and have lots of time to save for retirement and the emergency fund and getting debt payed off seems like it ought to be a priority... any thoughts? the 6% that I am currently at is the minimum to get the full company match

Dark Match) SmackDown Divas vs Raw Divas: SmackDown-Michelle McCool (Womens Champion), Layla, Beth Phoenix & Mickie James vs Raw-Maryse (Divas Champion), Gail Kim, Eve & Alicia Fox 1) 10-Man Money In The Bank Ladder Match: Christian vs Evan Bourne vs Kofi Kingston vs M.V.P vs Jack Swagger vs Matt Hardy vs Shelton Benjiman vs Drew McIntyre vs Dolph Ziggler vs Kane 2) Hair vs Mask Match: C.M Punk (with Luke Gallows & Serena) vs Rey Mysterio 3) Triple Threat Match: Randy Orton (with Bob Orton) vs Ted Dibiase Jr (with Ted Dibiase Sr) vs Cody Rhodes (with Dusty Rhodes) 4) Tag Team Match for The WWE Unified Tag Team Championships: ShoMiz (The Big Show & The Miz) (c) vs John Morrison & R-Truth 5) Singles Match: Triple H vs Sheamus 6) Singles Match with Special Guest Referee: Bret "The Hitman" Hart vs Vince McMahon (with Special Guest Referee Stone Cold Steve Austin) 7) No Disqualification, No Count-Out Retirement Match (Undertaker's Streak vs Michaels' Career): Shawn Michaels vs The Undertaker 8) Singles Match for The World Heavyweight Championship: Chris Jericho (c) vs Edge 9) Singles Match for The WWE Championship: Batista (c) vs John Cena

Tomas Brolin The man made a name for himself at AC Parma and at the 1994 World Cup with a few stunning goals. At the end of 1995 he moved to Leeds for ₤4.5 million and after arriving with weight problems, ‘Tubby’ scored a shocking 4 goals in 2 seasons all the while heavily lining the pockets of every McDonald’s manager in Leeds. Leeds terminated his contract in 1997 and it was all over for Fatty. Denilson Christiano Ronaldo without a brain would be a very apt title with which to describe Denilson. After signing for Betis for a then record 21.9 million Pounds, he proceeded to dribble himself for 7 years, before everyone realized how crap he really was. After an unsuccessful spell with Bordeaux, he decided to test his talent in the fairer climes of Saudi Arabia and FC Dallas. He seems to have found his level. Except FC Dallas don’t want him anymore. Marco Boogers - West Ham Harry Redknapp wasn't always the streetwise London gaffer he is today. The arrival of 'Mad' Marco Boogers for £1m from Sparta Rotterdam in July 1995 was just one of a number of misjudged West Ham imports. Coming on as a substitute against Manchester United in only his second appearance for the club, Boogers was almost immediately red carded for 'a sickening horror tackle' (The Sun) on Gary Neville. He promptly disappeared, discovered several weeks later hiding in a mobile home in a Dutch caravan park. The Boogers debacle, which ended in a loan deal and subsequent free transfer to Groningen despite his protestations - 'I'm not mental' - was the worst of a dreadful Redknapp collection: Florin Raducioiu arrived for £2.4m in July 96 and was sold at a £600,000 loss six months later after missing training for a Harvey Nichols shopping trip; Portuguese supermodel Dani lasted five months before being thrown out for excessive nightclubbing; and £2m star Javier Margas went missing in February last year, turning up later at home in Chile. He, unlike Boogers, did come back. Wim Jonk - Sheffield Wednesday Not only did Jonk look like Michael Palin, but he was as tough in the tackle as him. The Dutchman, signed for £2.5m from PSV Eindhoven in 1998, lolloped anonymously around Wednesday’s midfield for two seasons, the second of which saw them relegated. After experiencing the hurly burly of two First Division games, he sat out the remaining year of his contract, citing a tummy ache. At the end of that season, he retired to concentrate on his poetry. Wednesday fans had their own rhymes for him. Chris Sutton Another Chelsea flop, Sutton never really did much at Chelsea in one season, after transferring from Blackburn Rovers for ₤10 million. Luckily he did better at Celtic forming a deadly partnership with Henrik Larsson. Aaah, the Scottish League, a retirement home for below average English strikers. Massimo Taibi - Manchester United Sir Alex signed him to replace Peter Schmeichel? In 1999, with Raimond van der Gouw always wearing his bridesmaid’s outfit and Mark Bosnich too cocky by half, Sir Alex Ferguson splashed out £4.5m on Venezia journeyman Massimo Taibi. The omnipresent tracksuit bottoms should have caused Ferguson to pause for thought. Instead, Taibi conceded two sloppy goals at Liverpool on his debut and one to Wimbledon the following week. Then the fun began: Southampton scored three at Old Trafford, including a Matthew Le Tissier “shot” that trickled through Taibi’s legs and was so soft, it barely crossed the line. Eight days later, Chelsea put five past him at Stamford Bridge and this Italian’s job was over, little more than a month after it had began. Taibi rotted in the reserves until Reggina took him on loan before a £2.5m purchase at season’s end. He was, noted a generous Roy Keane, “clearly a good keeper”. Clearly. Juan Sebastian Veron - Manchester United signed for 28.1 million from lazio on a five year deal and lasted just 2 years before being sold onto Chelsea for less than half man utd payed. The strange thing is he was touted as one of the best midfielders in the world and seem to lose all talent the minute he steped off the plane at Manchester Airport. Corrado Grabbi - Blackburn Rovers How the Italians chuckled in 2001 when Graeme Souness, manager of Blackburn Rovers, paid £6.75m for Juventus cast-off Corrado Grabbi, who had just scored 19 goals in 34 Serie B (not to be confused with Serie A) games for Ternana. Grabbi’s work ethic was never in doubt, but two goals in 30 Premiership games suggested Souness might have been better buying a Serie A player. After an especially profligate performance in the 2003 Uefa Cup against Genclerbirgli, Souness lost patience. Grabbi was bought by Ancona. The fee was undisclosed, but it wasn’t £6.75m. Sean Dundee - Liverpool In 1998, Karlsruhe were relegated from the Bundesliga. Their tubby star forward, Sean “Crocodile” Dundee, scored just three times. These facts d ( continued from above or below dependin

My obligated term of military service was 9 years at the end of which President Ronald Reagan sent me a Certificate of Honorable Retirement from the U.S. Navy. This was about 36" by 24" on heavy parchment, with a genuine autopen Reagan Signature, plus Navy Seal, Plus Presidential seal, plus gold foil, plus blue ribbon. If I take this document to BCNR (Bureau for the Correction of Naval Records) will they agree that I am in fact Honorably Retired from the U.S. Navy. If they agree to that, will they agree that I can have access to the MTF Pharmancies or to Express Scripts, even though I do not qualify for retirement pay or Tri-care, (since 9 years is less than 20 years). I went to PSC in Anacostia. They said dunno, try BCNR. I do have a red ID card that says "RET" and "indefinite" it is a DD form 2 My DD 214, says that my discharge from active duty was "Honorable" The completion of my term of obligated service included six additional years as a reservist. So I got my Certificate from Ronald Reagan at the end of the 9 years. Does anybody know the system well enough to give me some idea of what BCNR is likely to say if I take my case to them. I am indigent, and without my heart pills, which I can't afford, I will have a heart attack. It would cost the government about $600 every 90 days for my pills. They gave AGI $300 Billion so that Henry Paulson's and Tim Geithner's colleagues at Goldman Sachs could be bailed out, and then go back to paying themselves $50 million per year. But apparently $2,400 per year for three years until I get my Medicare is too costly for the government. Not all obligated terms of military service are of identical length. For Navy JAGC officers, when I went in, the deal was three years active plus six years as a reservist, making a total of nine years obligated service. To Redleg --- OK 20 not 9, I get it, so please explain the Certificate of Honorable Retirement with the President's signature and seals on it. It declares in no uncertain terms that I (and it names me, in fancy script) am Honorably Retired from the U.S. Navy. It came to me from the White House in Washington DC. From whence did you acquire the authority to repudiate that document? On what basis are you telling me that it does not say what it says, that it does not mean what it says, or that what it says is in any way ambiguous or unclear? The document is over 20 years old. It's author, who is no longer alive, was authorized when he signed it to declare and constitute me as "Honorably Retired from the US Navy". It is an ancient document, and you may assume that a forensic documents examiner would find it to be authentic in signature and point of origin. Just tell me what your reasoning is to say it isn't so. You saw the number 20, so no other possibilities exist, is that it? Where is this Snarky Cynical Hateful stuff coming from? Why not just assume that What's I'm telling you is true and try to be helpful. What could I gain by posing as something I'm not and asking a fake question? PSD Anacostia told me yesterday that my ID card was red. The certificate I have was signed by Ronald Reagan while he was President, and it is a Certificate of Honorable Retirement. Why would I say that I had that if I didn't? What could the snarky haters be thinking. They must be reversing their own personalities and assuming that I am like them. This is not pleasant. I am not pleased. Could there be someone whose not a pissy a**hole to give me a straight-up answer some knowledge in it, or at least goodwill? What a bad sample of the military section of Answers -- you guys should be ashamed. Let's have some more civil answers please, you mean careless roughnecks can just stow it. Look at the hateful and abusive comment I've gotten here. This man tells me that my ID card has not been issued in 10 years. Yes, of course that is true. I don't go back every year to get a new ID card. He tells me I don't know much about ID cards. True, but why should I? He tells me I'm not really a JAG, not really a consultant to NCIS. How could he possibly know that? Wouldn't that just be the spewing of hateful and dishonorable falsehood? Of course it would be, to say such a thing about somebody one does not know, never met, whose service record one has not seen. So this spiv is going to tell me that becausse by ID card has not been used in 10 years, he knows my service record. He is the fraud. He is a liar. An evil and Bearing false witness liar. The wages of sin.. he knows .. so no need to say it again here.

Ok, we all knew Wrestlemania XIX was second only to Wrestlemania X-7 caused it has one of the worst matches of all time (Taker vs Show & A-Train) whereas Wrestlemania X-7 utilized all its talent effectively, even the Divas held their end of the deal and the storylines and build ups going into it were great with no bad matches at all. The Tag champs meant something here (no one can forget TLC) and all the heel/face turns. It was just a great ppv to watch that kept us entertained. But look at the card we have this year (some of these matches arent announced yet but we know they are happening): Cena vs. Batista (WWE Title): I'm not a big fan of these guys. As a matter of fact, I don't either one of them can put on a good match unless they have a superior opponent. So how can this work out? I don't think it can. Sure, it can be entertaining in Warrior/Hogan kind of way, but it doesn't have the energy that match had. But, I have like Batista as a heel...although I think that will go away when he actually WRESTLES at Mania. This is the Hogan vs Warrior of PG Era. Edge vs. Jericho-WHC: More than likely, this match will be great. Both of these guys are great in ring competitors, and have been here before. But the feud has been a bit underwhelming, minus Edge returning at the Rumble. I just don't like the way this feud has been playing out. One night, Jericho talks some trash, Edge comes to the ring, spear, whatever. Next week, Edge comes to the ring, talks some trash, Jericho comes down, spear. It has been boring to me. The match will not be boring at all, but the build up hasn't been that great, IMO. HBK vs. Undertaker: I have seen this match quite a few times, but never with this much on the line..and I'm not sure I like it so far. If Taker loses, I am going to be really upset. This streak is HUGE for his legacy. It's really the only thing that sets him apart. He has never had his OWN era, he has always played second fiddle to someone else. If Shawn loses and retires, it's been a pretty crappy build up. If he comes back AFTER losing a retirement match, it will be crap. But I do like the fact that I am unable to really predict an ending, so we'll see. Hart vs. McMahon: Wrestling wise, this will be the worst match on the card...and I LOVE it. It will be a knock-down, drag-out brawl. Bret will whip his ass all over the arena, and it will be great. And, every big-spot junkie out there will cry his/her eyes out because these guys are , God forbid, over the age of 28. 12 years in the making, I'm excited. And maybe Austin as guest ref? Just keeps getting better and better. MITB Match: Always a super-entertaining match with the exception of last year thanks to Mark Henry. But the premise is getting a bit old. Plus, I don't really have anyone in particular I am rooting for, maybe Christian, but he doesn't do THAT much for me. Big Show/Miz vs. ANOTHER random Tag Team (won't mention who, don't want to be a spoiler: Two random tag teams, ONCE AGAIN, fighting for the tag belts. Will this junk ever end? Will we EVER get a good tag division again? Rey Mysterio vs Cm Punk: Once again this is not announced but we all know its happening, most likely with a hair vs mask stipulation but either way this match will be awesome! HHH vs Sheamus: Not announced but happening for sure, will this be the best match on the card? no! but i look to see if trips will lose to sheamus to put him over. So, what do u think?

I work full time and I have the funds to pay this off in my retirement account but I don't want to use that unlast it is the last resort.

A guy came up to me and offer a job that I can get a license for a broker only for 1 month and this what they do offering life insurance,auto and help w/ the retirement plans but I have to pay $99 for background check :o ??? So I went online and check it I found out that they have hidden charges every month $25 for some computer maintenance for your file???? The stupid thing I did is I gave my credit card number cause they want it to be automatic when they gonna charge the $99. So when he left I went to my bank and cancel the card. There's actually more on the story like he said IRA is better that 401k and they want it to turn it to a long term mutual fund hahahaha :O ???

covered meaning I do not have to pay for part A or B? also what insurance companies sell C&D coverage for someone who is not over retirement age? AARP does it for retirees (I've seen the commercials), but not younger folk (I don't think). any suggestions would be helpful.

Can somebody help me please, i missed the last 2 weeks of school due to having MRSA, and i was given my missing work for the book Animal Farm for chapters 9 & 10, but no book. =/ Chapter 9 1. How is Boxer hurt? Who helps him? 2. How far away is Boxer's supposed retirement? 3. What word does Squealer used to describe the reduced ration? 4. Do the animals still believe they are free? 5. What special rights do pigs gain in this chapter? 6. What is ironic about the pigs gaining so much weight? 7. What is a Spontaneous Demonstration? What is the purpose? 8. Why was Napoleon elected? 9. What propaganda is spread about Snowballs' wound in the Battle of the Cowshed? 10. What is significant about the reappearance of Moses? 11. What type of building is going on now? 12. Why does Napoleon make arrangments to send Boxer to a "hospital"? 13.How do the pigs explain the knacker's truck? Do the animals believe them? 14. How do the pigs continue to use Boxer's strength after his death? 15. Where did the pigs get the money for the case of whiskey? Chapter 10 1. Who is left after all these years? 2. Has anyone retired? Do you think anyone ever will? 3. What has happened to the animals' promised rewards? 4. What do the pigs have to work on, according to Squealer? 5. What does Benjamin remember about the past? 6. What new song does Napoleon now have Squealer teach the sheep? Why? 7. What does the wall of commandments now say? 8. What is the similarity between Napoleon and Jones? 9. Describe the conversation at the card game. 10. What is the final irony at the end of the novel? Whoever answers all will be guaranteed BEST ANSWER=]. thank you-- leah

Ok. I would like to know what you think of this match card Randy Orton VS Cody Rhodes VS Ted Dibiase Extreme Rules Bret Hart VS Mr.Mcmahon three stages of hell match John Cena VS Batista WWE championship Shawn Michaels VS Undertaker TLC Triple H VS Sheamus Steel Cage match Edge VS Y2J WHC John Morrison VS Matt Hardy VS Cm Punk Retirement Match ShoMiz VS Evan Bourne and Rey Mysterio kane vs christian vs shelton benjamin vs dolph ziggler vs zack ryder vs MVP

1) Which Baseball scenario is the most UNLIKELY thing to happen this season? A) Hall Of Famer Robin Yount will lose to a 11 year old kid on the show are you smarter than a 5th grader. B) John Lackey will quit Baseball to join Hollywood to become the new Pee Wee Herman. C) The Cubs will be in the Playoffs as a Wild Card. D) Willie Mays will come out of Retirement & join the Giants where he will break Barry Bonds HR Season record. 2) Which Hall Of Famer from this list would you not know if i asked you about him? A) Harmon Killebrew B) Rick Ferrell C) Hack Wilson D) Harry Hooper 3) Which from this list will be the closest thing to happen to Coco Crisp this season? A) Will hit 15 HR'S B) Will have a Cereal named after him. C) Will have an affair with Oprah. D) Will bat at least 250 Not my best but Hope u enjoyed. A reminder. This is for fun.

Sorry this is long. I appreciate your advice! He is very responsible when it comes to his finances. He has a good career and absolutely no debt whatsoever. He paid for his truck and motorcycle in cash. He pays his bills (cell phone, rent, and insurance) on time, every time. He just got his first credit card ever a year or two ago when he was around 33 (he's 35 now). He only got them to build more credit. He doesn't spend anymore than he did before the cards and he pays them off in full every month. He puts away the max every month for retirement. He refuses to buy a house until he saves up enough for a 20% down payment, which he puts away a lot for that every month too. So, his financial responsibility is great. But when it comes to maintaining a household, it's ALL on me. We live together in an apartment and we split all the bills, including the rent, in half so it is not like he supports me financially in any way right now. I go to school full-time and work part-time. I make sure the rent, electric, and cable bills are paid on time every month. He just gives me his half of the money. If there is ever a problem in our apartment, he always tells me to call the maintenance people. Same thing if there is a problem with the internet or cable or whatever. I am expected to do all the cleaning. He will wash a couple dishes, do his own laundry, and dustbust here and there, and that is the extent of his cleaning contribution. He will always say things like "Jesus Christ" in a disgusted voice if there is cat hair on the couch or the litter box is not scooped or something, as if he is disgusted that these things aren't done (by me, of course). I got both cats when we were together, but he NEVER helps me with their litter box. That would be like if he got a dog and I just never offered to walk it or feed it. I would never do that though. I would treat the dog like my own even if I wasn't the one that got it. My boy cat Max acts like a brat sometimes and attacks our other cat and my fiance will say "YOU created this monster" but we were both there when I brought Max home as a kitten, so why doesn't my fiance have any responsibility for how he turned out? He is a pilot so he is gone a majority of the time. He uses that as his excuse for why he shouldn't have to help around the house. Too bad when he is off at home for 3 or 4 days at a time, all he does is go to the gym and sit on his computer the whole time. He has plenty of time to clean! I go to school full-time and work part-time, so it's not like I am just sitting at home with nothing better to do than clean. I am afraid that if we get married and have kids, maintaining the house and raising the children will be 90% my responsibility even if we both work full-time, and if there are any behavioral problems with the kids he will consider me fully responsible. What's the point of getting married if it's just another person to take care of and clean up after? Aren't spouses supposed to be partners and share responsibilities equally? Midnight, about your last question... wow! Recently I have been feeling like that. I have never told anyone that though. I feel guilty for even thinking it, but you've hit that nail on the head. and no, it is not just about the cats.

Bear with me, this is a bit lengthy. I am female, nearly 40 with family, especially 76 year old father coaxing me to pursue a college degree to land "secure employment" with benefits. Let me shed a little light with regards to my particular situation. I reluctantly graduated high school in '88 *wishing I'd repeated that year citing personal reasons* and, with the persistence of both my parents, began that fall in community college, randomly choosing a major to 1) get my parents off of my back and 2) declare a major just for the sake of declaring a major. My grandfather put away money since the time I was a baby in the stock market for my college, but I used it to fulfill transportation, living expenses and a trade school instead *I had always wanted to be a barber -- since the age of five* This, not surprisingly, was an unacceptable aspiration and, several years later, continued to be coaxed to finish a four-year-degree. This time, not only by my grandfather, but also my father and my younger brother and his wife. To make an insanely long story short, I spent those 20+ years traveling, barbering *for 15 years total*, working in various administrative positions in various industries and had a blast, along the way, doing so. There's one drawback: I have an extremely tiny retirement *my fault*, no benefits other than health insurance through my ex *not that I consider THAT a benefit -- more so a necessity* and some of the best income produced of any field I worked in in the barbering industry, $6000/mo, to be exact. Not too shabby. Still, the barber *out of work, currently* that I am, and the part-time entrepreneur *in another field* that I've become, my family still hounds me about that four-year college degree. Now, I am no dummy. I can do math *citing reasons to be diswayed by bloated interest rates for student loans* and I know my personality. The biggest problem with regards to attending college or, shall I say, the biggest problemS with regards to attending college right now *for my personal situation* are the following: -- I cannot sit still through classes, much less sit still through four full years, more if I need to go part time. -- There's not one major in college that I care to pursue. Not ONE. -- Not that I have anything against them, nor do I realize that all fall within this category, but I don't want a white collar position. No offense to white collar workers. My whole family is white collar. I am the only one who isn't. -- I can do math. I am not stupid. I know what I would need to repay for student loans after private, public or community colleges. I shudder with the thought of even having a debt of $5000. I don't have credit card debt. I don't own a credit card *my wisdom*. I have marginal medical debt *thank you, knee surgeries and asthma issues!*, but that only totals an amount in the ball park of $2000 -- manageable, comparitively speaking. I don't wish to repay loans once I hit the age when I begin drawing social security. I don't qualify for a grant -- still *legally* married, and I don't qualify for academic scholarships, grades aren't good enough, thanks to my high course withdrawal rate and F's for failing to withdraw courses once I unofficially dropped them back in the late 80's. -- I want to own a business when the opportunity arises and don't see it as a possibility by taking out student loans. There's no such thing as good debt/bad debt. It's ALL debt and I'd rather be debt free once the time permits to apply for a small business loan. So, there you have it. My life in a fairly sizeable nutshell. Question is this: How do I effectively explain to my family, once and for all, that I am NOT college-bound and that I have other, more important, more attractive aspirations? Appreciated are the intelligent and inobtuse replies. Thanks.

Bear with me, this is a bit lengthy. I am female, nearly 40 with family, especially 76 year old father coaxing me to pursue a college degree to land "secure employment" with benefits. Let me shed a little light with regards to my particular situation. I reluctantly graduated high school in '88 *wishing I'd repeated that year citing personal reasons* and, with the persistence of both my parents, began that fall in community college, randomly choosing a major to 1) get my parents off of my back and 2) declare a major just for the sake of declaring a major. My grandfather put away money since the time I was a baby in the stock market for my college, but I used it to fulfill transportation, living expenses and a trade school instead *I had always wanted to be a barber -- since the age of five* This, not surprisingly, was an unacceptable aspiration and, several years later, continued to be coaxed to finish a four-year-degree. This time, not only by my grandfather, but also my father and my younger brother and his wife. To make an insanely long story short, I spent those 20+ years traveling, barbering *for 15 years total*, working in various administrative positions in various industries and had a blast, along the way, doing so. There's one drawback: I have an extremely tiny retirement *my fault*, no benefits other than health insurance through my ex *not that I consider THAT a benefit -- more so a necessity* and some of the best income produced of any field I worked in in the barbering industry, $6000/mo, to be exact. Not too shabby. Still, the barber *out of work, currently* that I am, and the part-time entrepreneur *in another field* that I've become, my family still hounds me about that four-year college degree. Now, I am no dummy. I can do math *citing reasons to be diswayed by bloated interest rates for student loans* and I know my personality. The biggest problem with regards to attending college or, shall I say, the biggest problemS with regards to attending college right now *for my personal situation* are the following: -- I cannot sit still through classes, much less sit still through four full years, more if I need to go part time. -- There's not one major in college that I care to pursue. Not ONE. -- Not that I have anything against them, nor do I realize that all fall within this category, but I don't want a white collar position. No offense to white collar workers. My whole family is white collar. I am the only one who isn't. -- I can do math. I am not stupid. I know what I would need to repay for student loans after private, public or community colleges. I shudder with the thought of even having a debt of $5000. I don't have credit card debt. I don't own a credit card *my wisdom*. I have marginal medical debt *thank you, knee surgeries and asthma issues!*, but that only totals an amount in the ball park of $2000 -- manageable, comparitively speaking. I don't wish to repay loans once I hit the age when I begin drawing social security. I don't qualify for a grant -- still *legally* married, and I don't qualify for academic scholarships, grades aren't good enough, thanks to my high course withdrawal rate and F's for failing to withdraw courses once I unofficially dropped them back in the late 80's. -- I want to own a business when the opportunity arises and don't see it as a possibility by taking out student loans. There's no such thing as good debt/bad debt. It's ALL debt and I'd rather be debt free once the time permits to apply for a small business loan. So, there you have it. My life in a fairly sizeable nutshell. Question is this: How do I effectively explain to my family, once and for all, that I am NOT college-bound and that I have other, more important, more attractive aspirations? Appreciated are the intelligent and inobtuse replies. Thanks.

I am starting a new club at my high school where we write letters and cards to people who might appreciate them, like terminally ill people at hospitals, seniors in retirement homes, families of fallen soldiers, new refugees, etc. Any ideas are appreciated! Thanks!

I don't usually do these, but I wanna see if anyone agrees with me on this, because the way things are going, this is what I see: WWE Championship: Champ Sheamus vs Randy Orton WHC: Champ Chris Jericho vs Edge MitB: Kofi Kingston vs Kane vs John Morrison vs Ezekiel Jackson vs Jack Swagger vs Evan Bourne vs Shelton Benjamin vs R Truth Vince McMahon vs Bret Hart Singles Match Representatives: Batista vs John Cena Singles Match: Cody Rhodes vs Ted DiBiase Unified Tag Team Chamionship: Champs ShoMiz vs Straightedge Society IC Championship: Champ Drew McIntyre vs Rey ,Mysterio(I thought of this just now only because I don't think they would leave Rey out of Mania) HBK vs HHH in HBK Retirement Match And for the Undertaker Streak Challenge, I want some ideas from you guys

*WWE Championship: (C)John Cena vs Batista - Winner: Batista *World Heavywight Championship: (C) Chris Jericho vs Edge- Winner: Edge *Hell In A Cell: The Undertaker vs Sheamus: Winner: The Undertaker ***(WWE wants Sheamus to defeat Taker)*** *Retirement Match (If HBK Loses He Must Retire): HBK v HHH- Winner: HBK *Street Fight: 12 Years of Revenge Bret Hart v. Vince McMahon- Winner: Bret Hart *Triple Threat Elimination Match: Legacy Ending Randy Orton v Ted DiBiase v Cody Rhodes: Winner: Randy Orton *Hair vs. Mask Match: CM Punk w/Straight Edged Society vs. Rey Mysterio- Winner: CM Punk *MITB Ladder Match 1.Kofi Kingston: Winner: John Morrison 2.Evan Bourne 3.Christian 4.John Morrison 5.Drew McIntyre 6.Jack Swagger 7.Yoshi Tatsu 8.Shelton Benjamin *Unified Tag Team Championships: The Big Show & The Miz vs. The Hart Dynasty vs. MVP and Mark Henry- Winner: Hart Dynasty *Divas Champion vs. Womens Champion (LumberJill Match): Maryse vs. Mickie James

and as more and more of the people's jobs are sent overseas to cheaper labor markets...and as health care insurace keeps getting astronomically outrageously expensive, etc..etc...and the everyday working people keep getting squeezed by everything from usurious credid card interest rates to, having their retirement accounts being bankrupted by unscrupulous wallstreeters free to do what they want ..............when will this slide towards socialism in the USA be seen as a failure?

Show opens up with the America The Beautiful First match: Six Man Money In The Bank 1-John Morrision 2-Evan Bourne 3-Rey Mysterio 4-Shelton Benjerman 5-Matt Hardy 6-Kofi Kingston Second Match: The Hary Dynasty (David, Tyson, Natalya) vs SOS (Straight Edge Society) (Punk, Gallows, Serina (or whatever her name is). Third Match: Fatal Four Way Monster Brawl Big Show vs Mark Henry vs The Great Khali vs Kane Fourth Match: Retirement Match Shawn vs Hunter Fifth Match: Diva' and Woman's championship match (Winner gets the new Unified Women's Championship) Kelly Kelly vs Mickie James vs Gail Kim vs Maryse Sixth Match: World Title Match Edge vs Jericho WWE Title Match Randy vs Sheamus vs Cena

I know this is a bleak outlook but I'm asking this on behalf of my parents... they are both of retirement age and are in a lot of financial trouble. They were hit by the bad housing market... they are facing losing both of their homes to foreclosure (one of which was an investment property they designed and built), have over $70K credit card debt in the US and in the UK. They don't know what to do and are under serious stress... a lawyer costs $2K + and they barely have enough money for food. They are being harrassed left, right and center by creditors and banks. What can they do to enjoy the rest of their lives without having to worry about debt any longer? Any constructive advice from knowledgable and experienced people most welcome - thank you in advance!

Hello everyone. I'm a recent college grad who's trying to be smart and make the best decisions with my money. Since I am completely financially independent for the first time, I don't have much experience with money management. I am coming into some money, about 30K, and I am unsure about what my priorities are (which debts to pay off first, or to put into retirement fund etc.) So this is where I need help. The current situation: -I currently make about 40K per year. -I have a 6K emergency fund. -No credit card debit. I have an excellent credit rating. -The only debt I have is student loans. I went to a more expensive school and I currently am paying back 52K at $400 per month. There are 4 individual loans (12K, 9K, 16K, 14K). They are private loans with low (but variable) interest rates ranging from 2.75%-3.75%. -So far no type of retirement savings. Looking into it. -I have about 300-500 left over at the end of every month to save depending. Where do you think this money should go? Pay off the loans first? I don't want these loans to crush me financially in the long run- I know it was dumb to do private loans but my parents (and me at the time) didn't know of any other way to fund my education. Please let me know what you think!

I'm 21 and just got my first full-time, salaried job at a national credit card company. Up to this point I have only worked part-time or seasonally in retail jobs where I did not have financial benefits like stock purchase options or retirement accounts or that sort of thing, so I have no idea what I need to take advantage of. Can anyone offer tips or point me to resources online that will help someone who is just starting their career? Thanks!

I was raised by a single mom. She raised two sons and emigrated from another country to settle in the U.S. She mostly took low wage jobs, while raising a family on her own. I worked as soon as I was legally eligible. However, as I look at her finances--assets, liabilities, etc., it looks like she'll be working for a while. Currently, she lives on her own in rent control apartment in NYC, only paying $650 per month since she's been in that apartment for over 15 years. She always avoid financial planning and while she has some money saved up, it won't be enough for her to retire full time. This worries me because I've helped her get out of debt, but she continues to get back in it. I helped her set up a budget to better manage her money, but she abandons it after a couple months and goes back to paycheck to paycheck living. Her only extravagance is travel, which she uses to visit her family oversees once a year, all on credit cards. So it's a revolving door of debt to debt living. I don't ming talking care of her financially, which I already do, but it just frustrates me that she wants to spend her retirement years paying of credit cards and working part time just to make ends meet, even after I tried to provide help. Anyone can relate?

I like helping people, but I am at home now and retired. It would help if I could earn a little extra money on the side. My husband gets more in retirement than I do, and he lets me have money if I need it, but I would rather not have to depend on it. I can do with what I get, but I have some credit cards I would like to pay off.

I have credit card debt that I have left unpaid for several months being that I lost my job, and couldnt make the regular payments. Not to mention it was with American Express and my interest was at 26%!! My total debt is $5,700 roughly and I just want them to leave me alone, and get them off my back. I wish I didnt have to do this, but I was going to pull money out of my exisiting 401k to pay them off, better yet, settle at a flat rate. I have $7,200 in my retirement that i can pull from and roll over into my new 401k. The collecetion agency is asking for $3,300 ("to meet in the middle") to settle it. Can I get them to go lower? Like $2800..? How do i do that or what should I say? I already know Im going to get penalized for pulling from my 401k early which means I will owe in taxes...But I dont know what it will all add up to. Whats my best bet?...HELP me please!

My coworker is going to retire after 35 yrs of service. She is a shoe and jewelry lover. What could be an original and nice gift ? I'm thinking in getting a gift card should it be the best way to go ? Any ideas, suggestions?

being marrried ten yrs, moved out 9 months ago with children 12 and 9 yrs old in my own apt. filed for divorce, joint custody court date was in a few days when my husband ask if we try to make it work out. i said ok but only under these condition, i wouldn't continue to live with your mother, i don't want you to call me fat again, communicate more, stop with the secrets, open a joint saving and chking accout, remove his mother and sister as beneficiaries off his pension, 401k and mutual funds,and place the children and i as beneficiaries last moved in with me and the children. he agreed to do everything if i don't pursue with the court cases, i dropped everything and i gave him one year to at least make an attempt for what he promised. well its a year now and nothing is in place. he refuses to move in with me and kids because he don't want to live in an apt, can't afford house right now because he's unemployed. i currently pay the rent at my apt which is no problem for me. he refuses to transfer beneficiaries because he needs me to prove to him i have no credit card debts, because if he transfers the beneficiaries into my name because he's afraid the creditors would take his pension if he does so. He is 47 and am 42 yrs old, not close to retirement age. he wants me to provide him with my credit reports, then if i owe no one he'll place my name as a beneficiary with the kids and he'll remove his mom's name 69yrs and his sister 49 yrs old as the current beneficaries prior to us being married. i said to him his sister has more debt that him and i combine but yet she doesn't have to prove her self but i do,i think this is bull---s---t so i decided its time to walk away. no trust , in this relationship holding my credit card debt which i did accumulate years ago which he did end up paying back for me. He said he wants to move on, but yet after I dropped the court cases because of the benfit of the children and because his word i believe and really wanted the marriage to work it self out. He continues to hold this over my head . we decided to forgive one another i went to therapy regarding my spending habit, have improved, have my own apt, pays on time never missed a payment, so i have changed, but he still needs me to prove myself.

1) I owe $1275 on a credit card with 23% APR. Minimum payment of $39 a month. 2) I owe $8500 on a credit card with 12% APR. Minimum payment of $166 a month. 3) We rent a 2 bedroom townhouse for $1100 a month, utilities are $600 a month. We each get $350 a month for gas, food, pet food, hair cuts, toiletries, or $700 a month total. 4) We make enough money to meet our needs and provide $300 a month for savings / emergency (this however includes dentist bills, car repairs etc.) 5) Our cars are both 10 years old, but reliable for being so old. 6) We have a total of $15,000 for retirement in IRA's. 7) I have student loan payments of $275 a month, currently in forbearance 8) We have twins on the way, and I am a SAHM with a tight budget 9) I have a credit score of 650, due in large part to one fraudt case I am having a hard time getting removed from my record. 10) Hubbies credit score is less than 400, and although I believe he owes about $12,000, I am not sure on that. 11) His employment is very reliable, but it is unlikely we will receive a sudden influx of cash like this again. He makes $45,000 a year, but great medical benefits and we have a 1% matched 401k. This comes to $3000 a month after medical, taxes and the 401k are taken out. 12) We will owe $2000 in taxes this year, but in future years we will not owe in taxes. 13) The amount of available savings we have right now is $2000. 14) He will get enough of a raise each year to cover at least inflation. 15) Hubbie is 46 years old, I am 32. 16) I will begin working again doubling our income in 5 years, but until then there will be almost no opportunities to stock pile cash. My thinking is I must pay off the $2000 in taxes (I worked as a nanny and didn't pay my taxes while working), and that the $1275 credit card at 23% is only logical. That leaves about $7000. I'm tempted to put at least half of this into something very available (like our savings account) to buy a new (likely used) vehicle in the near future. I am tempted to use the money to start paying off hubbies credit cards, which are years old now and would be VERY happy to make sweet deals to see some green from him after nearly a decade. Him having decent credit would be very very helpful, allowing us to eventually buy a house, get a loan for a car etc., which is completely impossible for us atm. Or paying my student loans now... or paying off almost all of my discover card bill. What do you think we should do with this money to better our situation given our circumstances? We are not careless in our spending. We were unemployed years ago. Don't assume all past debt is because of not budgeting. We might have had cancer for all you know. Our budget is very tight and reasonable. To spend less would be to not provide an adequate home for our children. But I didn't ask about our budget, just about our sudden influx of cash. I don't even see why you assume our budget is out of control? You think $700 total for food, pets, children, gas, oil changes, hair cuts and clothes is out of line? Would be interesting to see what kind of budget you would recommend for those things. If the car dies we need another car... otherwise my husband has no job and we then have no income. The last half of your answer seems very cut and paste and not thought out. In America, a car is simply a necessity. Without out one you cannot improve your situation, because you cannot work, much less get groceries. And if one of my children needs to go to the doctor, what do you do without a vehicle? I'm cool with used vehicles, but being as though our are both 12 years old, we do need to think about when we will need a new one. But I was talking about the money OUTSIDE of the budget, which I know is what is best for our family. Did you not see me list our income and budget? Sorry, I just can't believe you read a word I typed and then said that. Income - $3000 Food + Personal - $700 Utilities - $600 Rent - $1100 Credit Card Payments - $200 Savings / Emergency - $300 There is no "extra unbudgeted money". His debt is all very old credit card debt. It doesn't consist of anything else. I believe at least the majority of it is to discover.

A family friend got married in a private ceremony this past weekend and will be having a reception in a couple of weeks. The newlyweds are both of retirement age and really don't need anything. They would, however, like to take a "honeymoon" in the spring. What would be the appropriate way to word a card to let guests know not to bring gifts, but if they would like to contribute, please bring money to go towards a trip? I don't want it to sound like they're required to bring money! Thanks!

I got on a message board to ask a question about a past/old credit card that is still on my credit report that I don't have to money to pay off and asked how long it would be on there.. I got more negative comments then positive ones.. One person called me a looser that shouldn't have never been given a credit card if I had never planned on paying it off.. I asked another question about trying to save for retirement, that I did not have a lot of money at the end of the month to put towards an IRA and such, and I had one guy call me a deadbeat that needs to go on welfare,, He said this because I said I did not want to change jobs because I really love my job, although it is low paying and not that many people have jobs they love.. Why do people have to be so mean?

IRS Son's college Secured Retirement Plan Income Plan Pay off mortgage Pay off credit cards/loans

In history class earlier I wrote a WM 26 card, I mean, studied hard... Anyhoo, I can't decide on a contender for the WWE Championship please suggest who you think. This is the rest of my card: MITB- Matt Hardy vs Jack Swagger vs MVP vs Dolph Ziggler vs Drew McIntyre vs R-Truth vs Zach Ryder vs William Regal Ladder match for the US championship- The Miz (c) vs Kofi Kingston Unified Tag Team Championships- Chris Jericho and Batista (c) vs Edge and Christian Retirement Match- Triple H vs Shawn Michaels Undertaker vs CM Punk WWE Championship Randy Orton (c) vs ? Vince McMahon and Sheamus vs Hart Dynasty w/Bret Hart World Heavyweight Championship- Rey Mysterio (c) vs John Morrison (heel, Royal Rumble winner) John Cena vs The Rock Who should Orton face? Tell me what you think if you want, also pick winners if you can be bothered to. Thanks.

World heavyweight championship Chris Jericho vs. Edge Wwe Championship Triple H vs. Sheamus Icon vs. Icon John Cena vs. The Rock Legacy Breakup Randy Orton vs. Ted Debease No DQ Bret Hart vs. Vince McMahon Wrestlemania 25 Rematch (Retirement Match) The Undertaker vs. Shawn Michaels Hair vs. Mask Match Rey Mysterio vs. Cm Punk Money In The Bank John Morrison vs. Kofi Kingston vs. the Miz vs. MVP vs. Big Show vs. Matt Hardy vs. Drew Macintyre vs. Evan Bourne Ecw Championship Christian vs. RVD Divas Title Kelly kelly vs. Maryse

I have a substantial amount of money in my retirement plan and pension. Is there any way to use that money to payoff my current credit card debt, student loans, or car loans without being hit with the huge early withdrawal penalty?

Here is my financial profile: 1. No credit card debt 2. Mortgage which I am comfortably paying each month AND I sometimes pay extra to the principal. 3. No kids or dependents to worry about (at the moment) Now, I have an extra 10K and I'd like to invest it. Someone suggested American Funds (mutual funds). Any other suggestions? My goal is long term. I'm 30 and have another retirement fund which I will make the max contribution this year. This 10k is seperate. Thank you so much for your time. So, I just spoke with my financial advisor. He suggested an annuity from Prudential. Some sort of package where even if the market tanks (a la sept. 2008) my funds would go into some sort of gradual fixed income mode. I'm so confused. Is this the right way to go?

I asked this before but wanted more opinions: $4000 in credit card debt from my ex boyfriend in my name on my credit (car repairs) he pays every month, but is unstable financially, i forsee much frustration; it will take him years to pay it off. he cant get a loan to take care of it at this time. I could pay the amount off by taking it from my retirement. i can do this without the extra 10% early withdrawal penalty. Should I pay it off and get the debt and the ex out of my life? I have no other credit card debt and I think it would improve my credit score tremendously. Obviously I'm leaning towards doing it...

My wife has been busy the past couple weeks with holidays and the school semester starting. This morning she called her mother who was at her retirement party! Conversation went about like this: "What are you doing today?" "I'm at my retirement party right now..." "$#!+" "You aren't coming?!? Well I've got to go..." *click* My wife is terribly upset and I can only imagine how pissed my mother-in-law is. She has been extremely excited about retiring and this party specifically. Wife is in self-hating mode and I've sent to get some "I'm sorry I'm a irresponsible daughter" flowers and a sorry card to be waiting at her moms house. I need to get my wife out of her mental funk and my mother-in-law to not pissed. Any ideas on how I can help manage this situation? Some ideas on how to reinforce to my mother-in-law that we love her and are extremely regretful would be appreciated!

I am 26 and I spent 3 years substitute teaching full-time- thus paying into teacher's retirement. I have a little bit of outstanding debt that I would really like to wipe out. I have a $2500 balance on a credit line with high interest, about $600 in store credit that is already in collections, and about $300 in utilities that is very late. My retirement balance is about $5500 and if I withdrew from it, I would get close to $4000. I am no longer teaching and at the moment, I do not see myself going back to it. I know most people will say don't touch my retirement but I feel that wiping the slate clean would relieve a lot of stress. My current expenses are not what is the problem, I work full-time and make enough to pay rent, utilities, my small credit card balance, car payment, student loan payment- it's the past debt that I wracked up that I just can't seem to get a ahold on. I feel like being out of debt now, is more important than saving for retirement. I also want to start fixing my credit and I can't do that until I wipe out the things I am struggling to pay. Any thoughts would be great. I understand what you are saying- the thing is that I can't really get another job- I already work full-time. And I can't transfer the credit balance because it is line of credit, not a credit card. I can't transfer it and I can't set up a payment plan. My minimum payment is only paying the interest on the damn thing. I know how much I would lose if I withdrew, I am okay with that because then I could actually save extra money each month rather than using almost every penny to pay off old debt.