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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. woman that want to fuck in Stenki
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). looking for one awesome friendSeveral years ago my wife (girlfriend at the time) cheated on me. Initially I told her to get the HELL OUT but I let her talk me into giving her another. I made one stipulation and that was this guy (her ex-boyfriend) could NEVER be a part of her life again and if she ever allowed him back in, it was an instant kill switch for our relationship. Don’t get me the wrong, I am absolutely not the controlling type, but I told her that if she really wanted to repair the trust in our relationship, she can’t him ever again. I just don’t feel like that too much to ask. While she gladly agreed to this at the time, she always told me that making that stipulation was demeaning and showed her I did not REALLY trust here. After 13 years of being together, one year old, and her being months pregnant with our second, I found out she had taken a couple days off work to meet up with this old boyfriend (she had a nice little cover story for me). (Funny little note The second day she was out with him, I came home with dinner and flowers)This was absolutely devastating to me and though she had not actually (physiy) cheated on me, I knew there was no coming back from this. We ended up getting a divorce a few months back now but I’m really not yet over her, I loved her more than anything in life and I’m still trying to reground myself. What I’m really wondering about here is… Was I wrong in saying she could NEVER him again? I don’t feel like that was too much to ask but is seems like it had forever marred our relationship (at least for her)… She actually used this one rule to say I never trusted her which was always very untrue. She had her own friends and girls nights out all the time, I never once questioned her or gave her a hard time. Was this my fault? sex chat online free
i need to get laid i need swf You know what you're seeing? You are at the stage where putting the best foot forward is no longer the reality. Each of you is starting to show who they really are, oh you're trying to still play the game to an extent, molding your behavior because you're afraid of her reacting to the compliments is an example of it. Only problem with that game is that you can't sustain it, takes too much energy. You know, the only person who really gets us is ourself. You have to communicate that, it's not fair to do it in codes like sarcasm to cover it up. That's a way of avoiding the consequences of what you say, using the "well if you got me you'd understand" bullshit is just that. This is coming from a person with a sarcastic sense of humor. If you want her to "get" you, YOU have to allow her to. That means showing what you really mean, not keep her guessing. Address the real issues in a real sense and use your humor to point out the ironies of life. You probably do need to change your ways to an extent, at least your attitude in placing the responsibility of everyone to figure you out on them or it lead to a lot of issues down the road, not just this relationship. So this is what you do, TALK to her. Just like you've done here to a bunch of people you don't know. Without sarcasm and the cover that it provides so that you SHOW her the real you. No fear and let the chips fall. Your compliments are true and heartfelt right? TELL HER, you're making her figure it out when you'll use sarcasm in one instance and then turn around and do the deadpan dark shit on her the next. Let her know the compliments are going to come, because you think she has qualities you like. NEVER use those against her later in some sarcastic tone. Give it a shot women lookin for atms at 7 11 need to take deposits
Harrisburg Pennsylvania friday night sex I still say I would tell the husband. Whether or not he knows, he should be guaranteed to know from my lips. The consideration is that if it were me we are BOTH getting cheated, and all "cheatees" deserve that knowledge that their SOs are being unfaithful. What we do with that knowledge is independent of each other. It's not about trying to destroy a relationship for revenge it's about revealing the truth that people like to cover. A truth that shouldn't have occurred in the first place. A very deceptive truth. I don't think these cheaters deserve their happiness on the side especially if I'm the one being duped. You should also think if so ppl know I think the husband looks even dumber for not knowing. I would be completely embarrassed if I had an SO cheating on me and I was the last to know. And I don't really believe in "what I don't know won't kill me", at least not in relationships. The parties are either satisfied, or not. Muskegon mature sluts naked girl Tonalea Arizona
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