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  1. M

    Things I'm tired of hearing - What are yours

    Personally I am getting really tired of hearing "Tarp".
  2. M

    Hoisington outlook

    I found this article interesting. The first chart is illuminating, US debt as a percentage of GDP is 358% now compared to 299% in 1933. The debt deflation that occurred after 1933 lasted over 20 years! Their opinion is that the stimulus may not be enough to counter what we all agree has...
  3. M

    Credit Union or Banks: Which is best?

    I recently purchased a 15 month CD from my local bank with a 3.75%APY. Out of curiosity I checked the PenFed site and they currently show a 2 year Money Market Certificate at 3.25%. Aside from the lower rate, what concerns me is the fact that they call them "Money Market Certificates". I...
  4. M

    To our medical folks, why can't I select both doctor and hospital that I want

    I live in a city with 3 non profit hospitals. One is where I would want to go in the event I had a gunshot wound. The second is where I would go if I were pregnant. The third is the largest,is highly rated, and is an excellent hospital. When I searched for my primary care physican during...
  5. M

    wrap around sunglasses

    My FIL wants a pair of wrap around sunglasses for his birthday. He recently was diagnosed with macular degeneration, he has gotten the shots in his eyes and they have worked spectacularly well. All I can think of when I hear wrap around sunglasses are the geezer glasses that you see that are...
  6. M

    My father passed away

    Simple Girl, I am so sorry for your loss, best wishes..
  7. M

    need help choosing a new digital camera

    Like Ninja I have been happy with my Lumix which is a Panasonic camera. I compared it with the Canon and Olympus and what sold me was the higher resolution Electronic View Finder. It has an ocular adjustment feature on the EVF so you don't need to put on your reading glasses to use the camera...
  8. M

    Euthanizing the family pet

    I feel for you Jambo. I have a schnauzer who is just beginning the slide. Its a fine line between quality time and suffering. In the end I hope we get it right. Mickeyd: You have my total admiration, I freely admit I am not strong enough, fortunately my DW is...
  9. M

    Orbitz/Cheaptickets: False Advertising?

    I have become convinced that some sites, like Orbitz, install a cookie in your browser that will track your initial price quote and then each and every time you visit to check prices it goes up from that first quote. Call me paranoid, but I make it a habit to run Clean up to delete all cookies...
  10. M

    Lane closed ahead: Merge now, or at the sign?

    Here in Michigan the State passed a law several years ago making it against the law to cut ahead of traffic that is merged ahead of the actual merge. I have seen the State Patrol set up teams to ticket speeders and people who cut in late. Nothing feels better than to pass some SOB who blew...
  11. M

    Hurt my back

    Bill, Best advice from someone who has had the same symtoms you have for years now? What SimpleGirl said... Strenghten those abdominals and you can live pain free for the most part.
  12. M

    Back Problems - Treating With Advil

    Megacorp, I used to have back pain. It would go out 3 or 4 times a year, the last time it was difficult getting out of bed, I literally had to crawl to the bathroom. (Thats when you know you have a keeper for a spouse.) I took a week off work, my Doctor gave me some pain medicine and told me...
  13. M

    Gall bladder problems............

    Dawg, Had mine out in my mid 40's. I had same symtom as you, after a high fat meal some discomfort on the right side. I ignored it for a couple years then my wife made me some monkey bread for super bowl sunday. I was taking a nap when I woke up feeling nausea, went to the bathroom thinking I...
  14. M

    Cruising: LBYM. NOT.

    Indeed this ship had stores, they sold perfume, jewlery, t shirts, swim suits etc. but no underwear, socks, shoes, the meat and potatoes of clothes. The ship gave us a $200 credit to use in the onboard stores, I am still wearing some nice counterfit Armani cologne from that trip. You may also...
  15. M

    Cruising: LBYM. NOT.

    We have been on one 7 day cruise. Departed San Juan, St Thomas, Grenada,St. Kitts, Venuelza(sp), Aruba, then back to San Juan. Our luggage caught up with us in Aruba day 6. Pretty much sucked. Imagine going to formal dinner in a rented tux, black socks, and sandals. Or wearing one pair of...
  16. M

    Sore Feet in the Morning.........

    Vinnie, Let me guess, your still in your 30's or 40's? Wait until you hit 50. I used to think I will always feel good then I'll die. Not so, if your smart you'll start eating right, exercise, get yearly physical's, take your heartburn medicine, and wear good shoes just to keep the demon at bay...
  17. M

    Sore Feet in the Morning.........

    I was diagnosed with PF about 3 years ago. Tried ice, rest, inserts, no bare feet, stretching, and night splints all to no avail. Decided to get a steriod shot. The shot was in the forward part of my heel in the center. It worked! The foot Doctor said it will cover an area of about the size...
  18. M

    401k contibution goes to which account?

    I have always kept it simple and had my 401k payroll contribution allocated directly to the funds I selected in Vanguard. I believe its called dollar cost averaging, didn't matter whether the market was up or down it automatically went into the funds I had selected. Is this how the majority of...
  19. M

    Why do my neighbors have their home in Trusts?

    I was looking at property tax and valuations on my County website and noticed that numerous neighbors have their homes owned by "John Smith Trust" for example instead of simply John Smith. Is there a tax advantage to this or is this used for inheritance purposes?
  20. M

    Friends and Cancer

    As someone who lost his brother at a young age I can empathize. I have been following a blog by a cancer patient named Leroy Sievers on the NPR website. He has posted since Feburary 2006 and is amazingly honest and open with what its like to be a cancer patient and what they need from family...
  21. M

    how do trusts work

    I have a father in law who is a farmer and he has accumulated an estate approaching 10 million of which 80% is farmland the remainder cash, cattle, equipment etc. He formed an "S" corp decades ago and issued a small amount of stock to his wife, slightly larger amount to my wife, and a slightly...
  22. M

    Traditional Pension being frozen by megacorp

    ats5g - yes i included the additional match that the corp will put in my 401K
  23. M

    Traditional Pension being frozen by megacorp

    Well I am feeling better. Most of the info on these type of transistions that I have found involved horror stories like HFWR's, so I assumed the worst. ats5g and TexasProud- I have averaged a 3.5%pay raise the last 10 years and have done the calculations you suggest. I will need to work...
  24. M

    Traditional Pension being frozen by megacorp

    Thanks for your input on my post. I spent the last 21 years on autopilot. My megacorp said they would replace 50% of my salary with the pension, 25% would come from SS, and I should save enough in the 401K to provide the other 25% so that’s what I did. According to the material provided to us...
  25. M

    Traditional Pension being frozen by megacorp

    Hello board! My megacorp has announced they are freezing our traditonal pension next year. That spurred me to start doing some research and led me to this facinating board. I am 51 and have worked for 21 years at my company. Our traditional pension formula was 2% X years of service(max 25yrs)...
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