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I'm so sorry your son lost his job. I lost mine in 2005 at 51 and it stung. I think your original post is pretty smart...applying for unemployment , possibly converting some 401 money to a ROTH if income is low enough this year to make sense, etc.. I think, though, COBRA is his best option...

Here's another thing that might make you feel better about turning down the job....since this is the middle of the year, any additional income will be taxed at your highest bracket. If you or your hubby was offered a monetary incentive to retire, taxes on anything else you earn this year may be...

'Well, you COULD be at work!' My DH

That is WONDERFUL! Congratulations! If you w*rked an 8 to 5 job, you'll enjoy actually seeing daylight in the winter now. And when the weather's bad, you can just fix yourself another cup of hot coffee, snuggle up in your blanky and turn on the TV. YEA!

Beautiful songs but - let's don't get into that yet!

It's amusing to learn others had a retirement theme song too. Mine was 'I Believe I Can Fly'. Our former CEO liked to have company-wide pep rallies where they would show an inspirational video with music (great sound system). One time this song was used to inspire us to greater achievement in...

We've been eating whole wheat pasta since DH became diabetic. Little pasta, lots of meat sauce, tossed salad, no garlic bread. We eat a lot of whole grains now - takes longer to digest and doesn't spike blood sugar as much. By trial and error we've learned a lot of tricks to keep the A1c low...

I think my broker at AXA is mad at me. We haven't spoken in years because we had difficulties when he or his company messed up my ROTH conversions.:mad: I think my portfolio has done as well as most but hasn't been rebalanced in years. My small cap mutual fund actually went out of business...

Well, after more research ,including checking the contract literature and contacting the insurance company a couple of times, I realized the payout on the annuity will be as good or even a little better than the yearly rollup that we're currently withdrawing. So we decided to continue to do what...

I was in fourth grade in Chattanooga, TN and heard the news from a fellow student as I was leaving school that day. My parents were not fans of Kennedy but, as a child, I took things to the extreme and thought it was great news that we were rid of him. I quickly walked home eager to tell my...

+3 May God bless you!

Haha! My husband was in management too. For a while after we retired, when we would do a project together, he treated me like an employee. Come to think of it, he still does that once in a while. But he was a good manager.

Number 3 is real for some people. I think both of my parents went through it and I did too but in all three cases, IT DIDN"T LAST LONG! My husband skipped it all together and zoomed from stage 2 to stage 5 immediately. My stage 3 was somewhat related to the weather - when it's too hot or cold to...

That is so cute!

[ I once met a doctor who told me she hated to cook and shopped for groceries only once every 6 weeks. I think she didn't eat much and lived on frozen processed foods. Ugh! I used to do that. About once every 6 weeks I'd get up really early on a Saturday morning and drive about 10 miles to...

I've really enjoyed reading through these posts! Since I read the food stamp article and the part about the mayor's turkey sandwich for lunch, I started tracking our grocery bill for the month. So far it is only about $123 but we have 10 days left and of course, THANKSGIVING!! YEA!! I also will...

I was wondering how many of you are spending your early retirement babysitting the grandchildren. Are you enjoying it or do you feel you're a little too handy now?

It took me about 2 years. There are still things I miss about the job - but not enough to go back to it! I miss the people but the way corporations churn people in and out these days ,there are hardly any people I knew that are still employed there. Recently I ate breakfast with 4 of my former...

SSSHHHHH! I have stock in Lowes. Remodel, remodel!!

Harley, I think your house is haunted. (It's a very pretty house, though.)

Interesting. I just finished reading the Millionaire Next Door book. Apparently thrift is a big part of the success of first generation entrepreneurial type millionaires.

Wife says: What are you doing today? Husband says: Nothing. Wife says: You did that yesterday. Husband says: I'm not finished yet.

Thanks for the stats. So I guess our approx. $5 per day per person is close to the average. .57 x 9.09 = $5.18. Since we retired we typically spend about $20 on eating out a week. When we were working we ate out more and used the cafeteria and vending machines some. I know we're saving a few...

Just a tip that might save you a little on the spaghetti meal. It looks like you're spending about $5.33 / lb for lean ground beef. Often they put London broil or sirloin tip roast on sale here for $2.99 /lb When they do, I buy a bunch and ask the butcher to grind it. Makes great spaghetti...