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horseshit. So, high net worth individuals are not allowed to admit that they bit off more then they can chew and use the bankruptcy court in the way it was meant, to allow consumers time to regroup and repay their creditors in a way that does not leave them destitute at the end of the day? I read all of OP's posts and it sounds like a straight forward situation. They were making lots of money, OP's husband lost his job, was out of work for a period of time, because of that, the debt accumulated, he found another job, but it wasn't enough to cover their cost of living and now they need to restructure. It even sounds to me like OP's husband did the best he could for as has he could to avoid that eventuality. Credit card issuers and mortgage issuers take an assumed risk when they extend credit. Extend too much and they end up holding the bag at the end. I guarantee the bankruptcy court is going to order OP to make good on a fair percentage of their debt, due to their high income. And yeah, money concerns destroy marriages. OP and her husband are in their 60's. don't they, after a life of hard work, have an expectation that this one life altering event won't leave them destitute and on the streets? Especially if he worked for Lehman, Bear Stearns or WaMu, one of the large banks that failed and had all his retirement in their stock, ouch. Sounds like he was generous to his family etc. Should they have saved more, yep, should they have been diversified, yep, but life happens. Sorry, but hard times come to everyone. looking for a confident and Empire Colorado gentlemanGreat discussion, all! what I mean, though all kinds of thoughts on those definitions, and this didn't even cover of the definitions I've heard over the years. For example: a slave can be used by others, a submissive cannot. A slave cares for domestic duties in addition, a submissive does not. A slave can be breed, a submissive not. And on and on. My personal definition is close to nathandanial's thoughts. It is a frame of mind rather than any particular set of actions or rules. In a Dominant/slave relationship they think of the slave as property, in a Dominant/submissive relationship the submissive yields control. I'll have to be honest and say that probably is NOT the most common definition. swinger friends
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Fidelity Investments Estimates $ , Needed to Cover Retiree Health Care Costs Provides Steps to Help Consumers Develop a Plan to Meet Future Costs BOSTON (BUSINESS WIRE) A 65-year-old couple retiring in need approximately $*** to cover medical costs in retirement, according to Fidelity Investments’ latest health care cost estimate, released today. This figure is a percent increase over the estimate of $ . The retiree health care cost estimate is issued annually by Fidelity Investments. Since the estimate was first calculated in , the number has risen a total of 41 percent, with an average annual increase of percent. As in past years, the estimate assumes individuals do not have employer-sponsored retiree health care coverage and includes expenses associated with Medicare Part B and D premiums3 (30%), Medicare cost-sharing provisions co-payments, co-insurance, deductibles and excluded benefits (39%) and prescription out-of-pocket costs (31%). It does not include other health-related expenses, such as over-the-counter medications, most dental services and term care. “With health care costs continuing to outpace wage increases and companies trimming retiree health benefits, financing health care has to be central to retirement planning,” said Kimler, executive vice president, Fidelity Investments. “Given current economic conditions, this is especially true for those planning to retire in the next few years or before they qualify for full Social Security or Medicare benefits.” Significant drivers of the retiree health care cost estimate’s increase from to include higher unit costs (., the price of a doctor’s visit) and higher utilization rates for health care services (., more doctor visits per person). Additional contributing factors include rising costs associated with new, such as better diagnostic testing, prescription and an increase in certain chronic conditions (., diabetes). need pussy Fairburn sexy overweight chat room in gaithersburg
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