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MSully76 - Thanks for your input. I guess the best approach is to simply go there and check it out.........

MSULLY76 - How did you arrange to locate a place to stay in Naples from Boston? Did you physically go down and look around, use a realtor, stay with friends until you located a place, etc? I live in PA and would like to explore Naples as well, but not sure as to the best way to approach the...

It has been quite a while since my last post, however, I can now add my name to this list....... Alan Bikerchick Billin Chemist Chinaco flyfishnevada Katsmeow Nanannjen MsDonheff MsTeeRuh Onward powerplay Rich_in_Tampa sn2792 tesaje want2xplore roadkill

OUCH! Molson cutting off free beer supply for retirees - World business- msnbc.com

ZMAN, I have the good fortune that my eye doctor is an avid golfer. He fixed me up with a pair of bifocal sun glasses where he moved the bifocal part of the lens as low as he could on the eye piece. This allows me to be able to read the score card (much to my dismay) and allows me to look over...

I was an "O" in a USAR medical unit where at times some of the "O" slots were given to a higher headquarters unit. This left some folks who were close to retirement without a home or they had to transfer to another unit. The soulution was for them to go the other way...they became an "E" and...

The large firms such as the ADP's of the world do a good job. I would caution you to do some homework if you choose to use an unknown local or regional firm. I have seen instances where the service provider did not remit the payroll taxes and went bankrupt. You are still liable for the unpaid...

In my case, the politicians decided. Several years ago, I went to bed only to wake up the next day to learn that Congress passed a new tax law that declared I was now, well, rich... and of course should therefore pay my fair share of taxes........and so it goes.......

I happened to catch a reality type show where a real estate agent was trying to help a young married couple who were first time home buyers. I almost fell out of my chair when they indicated that their budget was $516,000.

The FAFSA form asks for the amount in the student bank account as well as earnings information as reported on their tax return. The information reported is as of the date the report was signed. Therefore, I believe that your student would not report this settlement until the cash is actually...

Clearly, there were a large number of folks who did not understand what they were getting into. Many were simply trying to buy a home for their family. However, from what I read/seen, there are hundreds of thousands, if not millions, of people heading into the financial ditch due to taking on...

Along the same lines, how about the term "Working Family"? Aren't most families working families? Of course, this is just political code.

We all have seen/read the various profiles of families who are now in trouble and are about to go under. Maybe I am a little old fashioned, but many of these folks borrowed every last penny they could based on the most optimistic cash flow assumptions without any contingency for an unexpected...

Yup....Even though the book is over 10 years old, it appears that LBYM hasn't gone out of style. I thought that maybe some of the "Young Dreamers" would find this short refresher beneficial.

Thought this article would be of interest......... The Invisible Rich by Knight Kiplinger The biggest barrier to becoming rich is living like you're rich before you are. A while back I was leading a personal-finance seminar at a high school, and I posed this question to the teens...

Generally, the state in which the income was earned taxes you. If you are not a resident of the state in which you earn the income, you would receive consideration for taxes paid in another state by your state of residence. However, as has been discussed, each state has it's own rules as to who...

The first few times we had $50k a day swings in our portfolio took my breath away. In today's market these type of swings are routine. In my view, as long as you are comfortable with your investing strategy, don't panic, just let it ride.

Pennsylvania does not tax any form pension payments to include IRA's, 401(k)'s, social security, defined benefit plans, etc. Of course, those of us who live in PA do not get an upfront tax deduction for contributions to 401(k)'s or IRA's. The state tax rate is a flat 3.07% on non pension income...

This is true, however, there may be limitations. For example, if one lives in Pennsylvania and works in New York state, PA will give you a credit equal to what you would have otherwise paid to PA assuming you were a PA resident and earned the salary in PA. Since the top New York marginal rate is...

The IRS is not a consideration in your example. Residency for tax purposes is defined by each state. Some high tax states such as New York, make it difficult to change residency. There is typically an extensive check list of items that the state considers when you claim a change of residence...

Thanks to all for the help...... I have concluded (as others have) that the only way a timeshare would be a competitive approach to a pay as you go rental is when it is purchased as a resale (check out ebay)and not from the developer. Secondly, the "points system" seems to have the most...

What is a Loophole?

I am currently considering the possibility of purchasing a timeshare at Daytona Beach. For those who have been through this, what was your thought process in so far as why you choose this route versus simply going the pay as you go rental route?

I jumped into this conversation by simply pointing out what we have experienced as a small employer. My experience reinforced Martha's point that many small employers are reaching the position of not being able to offer affordable insurance to their employees. We spend a lot of time tyring to...