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good and bad Western Michigan, so we've been in a downturn for at least 8 years (since 9/11). Auto industry has been hit very hard and that has ripple effect that goes to suppliers, plastic mold injection industry, seats, seat covers, ....you get the idea. Furntiure industry (office) which...

Not legal advice......you should have two things: 1. Note marked "paid in full" 2 Mortgage Discharge filed with the Clerk/Register. Most companies do this automatically. If you haven't gotten both after 4 weeks, follow up with a call.

loved it, thanks only hope that even those who didn't grow up with officer krumpky got the humor

I'm not in the market now (we want to move where its warm yearround). I have looked at land in Michigan, both the UP and Northern Michgian and there is land that fits your bill there. So large and varied that I wouldn't recommend any one area. Does have winter so may be too cold for you. But...

Normal routine: Go to office, work (if not in court maybe 2-3 hours a day), do property maintenance, log on and check financials and the news, work out, dinner at home (watch news), either watch tv or get togther with friends. Now on holiday (a couple of weeks in the southwest). Routine: Get...

Never really quit work, but going from full time to part time made all the difference. I may quit at some time, but there are two reason I keep going: 1. I like what I'm doing now (practice law in the commercial field) and 2. I know my wife is happier to have her personal time rather than...

If we leave well enough alone, this economic downturn (call it what you will) will work its way out, if we put in protectionist "Buy American" tariffs, it will be much, much worse and will take us years more to get out of. When will they ever learn. Hey, I elected Obama as president, not Pelosi.

Pirate My only thought is to keep an eye on health insurance availabiltiy and potential costs. At 52 you'll probably be just fine, but as you approach 59-60, it becomes much more costly and not always easily available. Is any available for purchase as a retiree through your employer? Might be...

VaCollector Normally I won't give advice, but I will in this instance. STAY. We've all taken a hit, but we'll all do just fine. This Board isn't only for those who have amassed tens of millions, or have 3 or 4 cola'd pensions, but for all of us other fools who work, live, save, invest, win...

chinaco This downturn took a far more rapid path than I anticipated. It looked to me that we would be on a slow slide downward over a number of years rather than fall off a cliff as it appears we have. At the same time, I do not see us living in caves. People will still feed, clothe and...

Stop this nonsense. Let's all look at the title, Halloween folks. So, get your costume (I've decided to go as a professional football player), and at 6 o'clock start going door to door. Now if you're lucky you'll find the people who offer adults (that fits some of us, no?) with a beer or...

That's it, how many have seen 0% BT's with no transfer fee over the past 6 months? I haven't seen any, and they used to be fairly common. So that banks are making the upfront money on this, as well as counting on the missed/skipped payment to boost the interest rate.

I still do not believe that the "sky is falling" claims of the administration and Wall Street is quite true. I do not believe that we will, as a nation, have a depression. Unlike the Great Depression, individual depositors now have explicit governemnt backing of the deposit (at a minimium of...

ok, I'll give you a pep talk....no actually just a few words, everyone who tracks the market is down some, depending on their allocation. But overall, over the past 35 or so years, lows are followed by higher highs. Will it all end? I don't know, but unless that happens, now is probably...

laptop....you can do without not watching the market....may be good for you no posts on the forum.....you can catch up in two weeks But NO FOOTBALL...what are you thinkin'?...can't do it, shouldn't do it, I give you until Saturday night!

Martha Michigan residential Electric: first 600 kwh .047 after that per kwh .085 delivery charge per kwh .03 Gas: Per mcf 11.8 Rates are going up at MSPC has approved rate increase. Having read through all of the posts, it's interesting the range of utility charges. Rates in Texas are...

where is my tin foil hat when I need it

Thanks you two for the information.

I answered excluding taxes. Just the funds spent on our living expenses, etc. Roth conversions would skew the answer if taxes included. Big variable, y-t-y is travel.

Elderly relative is selling house in New York. Anyone recently sold house or is familar with procedure...help me out a bit. Here (Michigan) we use Title Insurance and close at the Title Insurance company with buyer's check being written to the Title Company and payments (taxes, broker...

I've noticed that the price of chicken breast, boneless and skinless has risen in the past 6 months from $3.69-3.89 a pound to $4.69. That's quite an increase. Milk is up from $2.69 to $3.49. Yet salmon, farm raised, is still about $6-8 and wild (when available here-I'm in the Midwest) is...

Interesting thread. Upper midwest. Economy not thriving, but employment available. Property just not moving--really not at all, seems to have hit a brick wall. Some foreclosures, but not overwhelmingly so. What happened here is that we did not boom, so apparently we'll not bust, more like a...

Not sure if it is "fantastic" but do agree that the baby is being thrown out with the bath water in this case. My question is when to get in because I would be equally not surprise to see an jump up or a drop down from here over the next week or so.

I'm at a loss for new ideas, so I'll pose this question to the Forum to see what others are doing here. IMO tax advantaged investments should be place outside of tax deferred vehicles such as IRA's. So dividend stocks, MLP's, Canroys (special situation re foreign tax credit) shouldn't be in an...

Ruger sounds to me like your were in the building trades. if that's so, how about a postion where you don't have to lift/carry but still are in a related field. Something like the sales/counter person in tile installation at home depot. Know those people have building trade experience, and...