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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. horny girls great Kuwait
and his quip about being raised has its in truth. You are looking for excuses to divorce your husband but you don't need to resort to labels like "sociopath" to do it. Are you annoyed and sick and tired of things like that that can be changed or are you determined to divorce and need a good cover story? If you are determined to divorce just do it and don't bother with a reason. If you want him to change than keep going to counseling. sex girls for money in LexingtonfayetteOne day, as I was drying off from a shower, you walked in the bathroom, unsuspectingly. I knew we were not alone in the house, and began to nervously cover myself. You acted cool and calm, assuring me that my wife was downstairs and would not catch us. Reaching out, you began to fondle and rub my now growing cock. Your soft hands felt good. I was too shocked to speak, but was enjoying the attention. Fully dressed, you rubbed the head, feeling the slippery precum oozing a bit. Your finger playfully took some of the silky fluid and tasted it. Winking at me, you opened the door and left. Several weeks passed, since the bathroom incident. We were both working and did not spend much time together at home. Your mother was seldom away from home, so we had little time alone. The memory of you handling and fondling my cock was burned in my, however. I thought about that day constantly. Was it wrong? Should I rebuff your advances? Even though you were my step-daughter, it was a very confusing time, for me. virtual date girls
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cheats and sluts in Cameron Arizona Report: Widespread LGBT harassment throughout Europe By Newscenter Staff 9:01am EDT (Brussels) Lesbians, gays, bisexuals and transsexuals face widespread harassment, bullying and discrimination across Europe, according to an EU report released Tuesday. That harassment and discrimination occurs “in all areas of social life,” from schools to the workplace to health care centers, the report by the EU’s Fundamental Rights Agency said. Agency Director Morten Kjaerum said the investigation found gays and lesbians continue to face and other physical attacks due to their sexual orientation despite EU rules meant to guarantee equality in the 27-nation bloc. “These are alarming signals in an EU that prides itself on its principles of equal treatment and nondiscrimination,” he told reporters at the European Parliament. The report said pride events were being obstructed in Bulgaria, Estonia, Latvia, Poland and Romania. Meanwhile, politicians and religious leaders in Italy, Hungary, Malta, Bulgaria and the Czech Republic have also rejected s to improve the rights of gays and lesbians. Kjaerum said, according to the scarce data available from national authorities, “very few incidents” of, hate speech by public figures or verbal attacks are reported to. Current laws meant to protect against discrimination also do not cover areas such as housing, education or health care, he noted. The report, which compiled studies and surveys from across Europe, said homophobic is usually carried out by men in groups, but is also persistent at work, in school or when trying to get medical care. Kjaerum appealed to EU nations to improve equality legislation, to better record hate “and to train accordingly.” The agency also recommended better awareness campaigns to promote diversity and fight discrimination. lonely women in Greasy Creek Kentucky KY adult sex Kiraw
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). adult sex Kiraw lonely women in Greasy Creek Kentucky KY
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