Dating Tips: 9 Simple Things Women Want
By YourTango.com
Updated: Jul 30, 2009
Besides the meaning of life and the ingredients of hot dogs, many a man has questioned, "What exactly do women want?" We're not playing coy here, we know we're complex creatures. And, true, we operate on a different wavelength than men.
But women aren't exactly the great mystery that men often make us out to be. The proof? We polled the YourTango staff and compiled a list of 9 simple things women want. Note: you won't find diamond rings or other fancy things anywhere on this list. While many women really do want luxury goods from men, when you break it down they are just physical representations of some of the points on this list. We promise.
1. Respect. Show us through your actions that you respect our opinions, careers, interests, friends, bodies, and minds. You don't have to agree with all that we say or do, but try to honor our opinions as valuable contributions. Follow the golden rule and treat us as you would like to be treated: Be honest, fair, kind, and considerate.
2. Romance. It's another night on the couch with takeout and TiVo? Just because we're staying in doesn't mean the evening can't be romantic. Light a few candles and see where the night leads. Treat us like your girlfriend, even after we become your wife. Date nights, physical affection in the car, kissing like when we first started dating -- all of the things that made us fall in love with you don't have to stop just because now there are bills to pay, a house to be cleaned, and kids to be bathed. Bring home flowers for no reason. We're not talking $100 bouquets of roses here. Even the $10 bouquets from the supermarket are enough to make us smile.
3. Time. We understand relationships can't be all wine and roses; simply making the time to be with us and treating us like your top priority says "love" more than all the fancy gifts and lovely letters ever could. This includes helping around the house. The realities of a 21st-century relationship are that both partners probably work. If you happen to get home before we do, why not vacuum the living room or throw in a load of laundry? If you take the garbage out without being asked, chances are you'll be getting a big ole smooch when you come back.
4. Dinner. Of the homemade variety. You may not be good at cooking and you may not know how to boil water. But greeting us at the door after a long day with fish sticks (or whatever you can wrastle up) makes us swoon, because it shows that you've been thinking about us and our hectic day.
5. Communication. Women are vocal creatures. We know you love us, but it's nice to hear you say it, too. We can also be insecure. We wish we weren't, but the reality is that we often notice our wobbly thighs and forget about our gorgeous eyes. So let us know when you think we're hot. Tell us we're beautiful. It helps us feel good. Words of appreciation aren't half-bad either. Tell us you love the lasagna we made. Notice that we cleaned the bathtub. It doesn't have to be over the top, just let us know that you see the effort we put in, and you're grateful.
6. Consistency. This doesn't mean be boring and predictable. It means that we know you will (usually -- no one is perfect!) give us the love and support we need. Knowing that you're coming at this with the same desires and energy as we are goes a long way to making us feel secure.
7. Engagement. Of the mental kind, not the "I'm getting married in the morning" kind. You don't have to like everything we like (we might be a little concerned if you do), but showing interest in our passions, be it career-related, a sport, or a hobby, goes a long way. Listen when we talk to you. We're not speaking just so we can hear our own voice; we want to connect with you and this is one valuable way we do this. This also means paying attention to the little things. Whether it's the name of your best friend's husband or the fact that you hate Nicolas Cage movies, it's the little things you remember about us that's so endearing.
8. Humor and Humility. These two tend to go hand in hand. This doesn't mean that you have to crack jokes or entertain us, but just being able to laugh at yourself is enough. Guys who take themselves too seriously bring everyone down.
9. Challenge. Not the kind that makes a relationship constant work, but the good kind that surprises and motivates us to do, be, or achieve what we desire. Studies show that partners who prod each other to meet goals -- in other words, don't support lazy or bad habits -- are ultimately happier than those who don't hold each other accountable. Namaste, Fran and Lois Moran
Friday, July 31, 2009
Our Trip to the Grand Canyon
This summer we decided to enjoy some time with our wonderful grandsons, Trenton
age 12,Stratton 10. We asked our good friends of 34 years to join us, Jim and Gloria
Richardson of Albuquerque, New Mexico and their equally wonderful grandsons.
Austin, age 12 and Kros, age 10.
We had an amazing, enriching, connecting, beautiful, glorious time on this journey with these four "Little Men." Have a wonderful day !!! Namaste, Lois and Fran Moran
Watermelon Gazpacho Soup
Watermelon Gazpacho
Recipe provided by Eatingwell.com
The delicate flavors of cucumber and watermelon go hand in hand to create a sweet-and-savory chilled soup, perfect as a first course on a hot night.
Makes 6 servings, generous 1 cup each
ACTIVE TIME: 20 minutes
TOTAL TIME: 20 minutes
EASE OF PREPARATION: Easy
8 cups finely diced seedless watermelon, (about 6 pounds with the rind) (see Tip)
1 medium cucumber, peeled, seeded and finely diced
1/2 red bell pepper, finely diced
1/4 cup chopped fresh basil
1/4 cup chopped flat-leaf parsley
3 tablespoons red-wine vinegar
2 tablespoons minced shallot
2 tablespoons extra-virgin olive oil
3/4 teaspoon salt
NUTRITION PROFILE:
| Low-Calorie | Low-Carb | Low Sat Fat | Low-Sodium | Heart Healthy | Diabetes Appropriate | Healthy Weight |
Mix watermelon, cucumber, bell pepper, basil, parsley, vinegar, shallot, oil and salt in a large bowl. Puree 3 cups of the mixture in a blender or food processor to the desired smoothness; transfer to another large bowl. Puree another 3 cups and add to the bowl. Stir in the remaining diced mixture. Serve at room temperature or chilled.
NUTRITION INFORMATION
Per serving: 116 calories; 5g fat (1g sat, 4g mono); 0mg cholesterol; 18g carbohydrates; 2g protein; 2g fiber; 296mg sodium; 345mg potassium.
Nutrition bonus: Vitamin C (110% daily value), Vitamin A (45% dv).
1 Carbohydrate Serving(s)
Exchanges: 1 fruit, 1 fat
Make Ahead Tip: Cover and refrigerate for up to 1 day.
Tip: Melon selection & storage: Look for symmetrical unblemished melons, without flat sides, that have a creamy yellow spot on the bottom indicating ripeness. At 92% water, this fruit should feel heavy when you heft it. Precut melon flesh should be dense, firm and appear moist. Store in the refrigerator for up to a week or keep in a cool, dark spot. Cover the cut surface of melon with plastic wrap and refrigerate.
DISCLAIMERS
Scaling Disclaimer: EatingWell recipes are tested extensively in the EatingWell Test Kitchen. EatingWell cannot guarantee a recipe that has been scaled to make a different number of servings from the original. Also note that scaling only applies to the ingredient measurements: no adjustment is made to the recipe instructions, so pan sizes and cooking times and ingredient amounts referred to in the text of the recipe only apply to the original number of servings.
Gluten-Free Disclaimer: We have verified that these recipes do not include the following gluten-containing ingredients: wheat (all varieties, including spelt and kamut, wheat germ or bran and other forms of wheat protein), rye, barley (in all forms, including malt, malt flavoring, malt vinegar and malt extract), oats, triticale or beer/ale. However, many processed foods, such as broths, soy sauce and other condiments, may contain hidden sources of gluten. If a recipe calls for a packaged (e.g., canned) ingredient, we recommend that you carefully read the label to be sure it does not contain a hidden source of gluten.
Recipe provided by Eatingwell.com
The delicate flavors of cucumber and watermelon go hand in hand to create a sweet-and-savory chilled soup, perfect as a first course on a hot night.
Makes 6 servings, generous 1 cup each
ACTIVE TIME: 20 minutes
TOTAL TIME: 20 minutes
EASE OF PREPARATION: Easy
8 cups finely diced seedless watermelon, (about 6 pounds with the rind) (see Tip)
1 medium cucumber, peeled, seeded and finely diced
1/2 red bell pepper, finely diced
1/4 cup chopped fresh basil
1/4 cup chopped flat-leaf parsley
3 tablespoons red-wine vinegar
2 tablespoons minced shallot
2 tablespoons extra-virgin olive oil
3/4 teaspoon salt
NUTRITION PROFILE:
| Low-Calorie | Low-Carb | Low Sat Fat | Low-Sodium | Heart Healthy | Diabetes Appropriate | Healthy Weight |
Mix watermelon, cucumber, bell pepper, basil, parsley, vinegar, shallot, oil and salt in a large bowl. Puree 3 cups of the mixture in a blender or food processor to the desired smoothness; transfer to another large bowl. Puree another 3 cups and add to the bowl. Stir in the remaining diced mixture. Serve at room temperature or chilled.
NUTRITION INFORMATION
Per serving: 116 calories; 5g fat (1g sat, 4g mono); 0mg cholesterol; 18g carbohydrates; 2g protein; 2g fiber; 296mg sodium; 345mg potassium.
Nutrition bonus: Vitamin C (110% daily value), Vitamin A (45% dv).
1 Carbohydrate Serving(s)
Exchanges: 1 fruit, 1 fat
Make Ahead Tip: Cover and refrigerate for up to 1 day.
Tip: Melon selection & storage: Look for symmetrical unblemished melons, without flat sides, that have a creamy yellow spot on the bottom indicating ripeness. At 92% water, this fruit should feel heavy when you heft it. Precut melon flesh should be dense, firm and appear moist. Store in the refrigerator for up to a week or keep in a cool, dark spot. Cover the cut surface of melon with plastic wrap and refrigerate.
DISCLAIMERS
Scaling Disclaimer: EatingWell recipes are tested extensively in the EatingWell Test Kitchen. EatingWell cannot guarantee a recipe that has been scaled to make a different number of servings from the original. Also note that scaling only applies to the ingredient measurements: no adjustment is made to the recipe instructions, so pan sizes and cooking times and ingredient amounts referred to in the text of the recipe only apply to the original number of servings.
Gluten-Free Disclaimer: We have verified that these recipes do not include the following gluten-containing ingredients: wheat (all varieties, including spelt and kamut, wheat germ or bran and other forms of wheat protein), rye, barley (in all forms, including malt, malt flavoring, malt vinegar and malt extract), oats, triticale or beer/ale. However, many processed foods, such as broths, soy sauce and other condiments, may contain hidden sources of gluten. If a recipe calls for a packaged (e.g., canned) ingredient, we recommend that you carefully read the label to be sure it does not contain a hidden source of gluten.
Thursday, July 30, 2009
Tuesday, July 21, 2009
NEW YORK CITY
New York City
From Wikipedia, the free encyclopedia
From upper left: Manhattan south of Rockefeller Center, the Brooklyn Bridge, United Nations Headquarters, the Statue of Liberty, and Times Square
Nickname(s): The Big Apple, Gotham, The City That Never Sleeps, The Capital of The World (Caput Mundi), The Empire City, The City So Nice They Named It Twice, The City.
Location in the state of New York
Coordinates: 40°43′N 74°00′W / 40.717°N 74°W / 40.717; -74Coordinates: 40°43′N 74°00′W / 40.717°N 74°W / 40.717; -74
Country United States
State New York
Boroughs The Bronx
Brooklyn
Manhattan
Queens
Staten Island
Settled 1624
Government
- Mayor Michael Bloomberg (I)
Area
- City 468.9 sq mi (1,214.4 km2)
- Land 304.8 sq mi (789.4 km2)
- Water 165.6 sq mi (428.8 km2)
- Urban 3,352.6 sq mi (8,683.2 km2)
- Metro 6,720 sq mi (17,405 km2)
Elevation 33 ft (10 m)
Population (July 1, 2008)[1]
- City 8,363,710
- Density 27,440/sq mi (10,606/km2)
- Urban 18,223,567
- Metro 22,694,000
- Demonym New Yorker
Time zone EST (UTC-5)
- Summer (DST) EDT (UTC-4)
ZIP codes 100xx-104xx, 11004-05, 111xx-114xx, 116xx
Area code(s) 212, 718, 917, 347, 646
Website www.nyc.gov
New York ( /nuːˈjɔrk/ (help·info)) is the most populous city in the United States, and the center of the New York metropolitan area, which is among the most populous urban areas in the world. A leading global city, New York exerts a powerful influence over worldwide commerce, finance, culture, fashion and entertainment. As host of the United Nations headquarters, it is also an important center for international affairs. The city is often referred to as New York City to differentiate it from the state of New York, of which it is a part.
Located on a large natural harbor on the Atlantic coast of the Northeastern United States, the city consists of five boroughs: The Bronx, Brooklyn, Manhattan, Queens, and Staten Island. The city's 2007 estimated population exceeds 8.3 million people,[2] and with a land area of 305 square miles (790 km2),[3][4] New York City is the most densely populated major city in the United States.[5] The New York metropolitan area's population is also the nation's largest, estimated at 18.8 million people over 6,720 square miles (17,400 km2).[6]
New York is notable among American cities for its high use of mass transit, most of which runs 24 hours per day, and for the overall density and diversity of its population. In 2005, nearly 170 languages were spoken in the city and 36% of its population was born outside the United States.[7][8] The city is sometimes referred to as "The City that Never Sleeps", while other nicknames include Gotham[9] and the Big Apple.[10]
New York was founded as a commercial trading post by the Dutch in 1624. The settlement was called New Amsterdam until 1664 when the colony came under English control.[11] New York served as the capital of the United States from 1785 until 1790.[12] It has been the country's largest city since 1790.[13]
Many neighborhoods and landmarks in the city have become world-famous. The Statue of Liberty greeted millions of immigrants as they came to America in the late 19th and early 20th centuries. Wall Street, in Lower Manhattan, has been a dominant global financial center since World War II and is home to the New York Stock Exchange. The city has been home to several of the tallest buildings in the world, including the Empire State Building and the twin towers of the former World Trade Center.
New York is the birthplace of many cultural movements, including the Harlem Renaissance in literature and visual art, abstract expressionism (also known as the New York School) in painting, and hip hop,[14] punk,[15] salsa, disco and Tin Pan Alley in music. It is the home of Broadway theater.
From Wikipedia, the free encyclopedia
From upper left: Manhattan south of Rockefeller Center, the Brooklyn Bridge, United Nations Headquarters, the Statue of Liberty, and Times Square
Nickname(s): The Big Apple, Gotham, The City That Never Sleeps, The Capital of The World (Caput Mundi), The Empire City, The City So Nice They Named It Twice, The City.
Location in the state of New York
Coordinates: 40°43′N 74°00′W / 40.717°N 74°W / 40.717; -74Coordinates: 40°43′N 74°00′W / 40.717°N 74°W / 40.717; -74
Country United States
State New York
Boroughs The Bronx
Brooklyn
Manhattan
Queens
Staten Island
Settled 1624
Government
- Mayor Michael Bloomberg (I)
Area
- City 468.9 sq mi (1,214.4 km2)
- Land 304.8 sq mi (789.4 km2)
- Water 165.6 sq mi (428.8 km2)
- Urban 3,352.6 sq mi (8,683.2 km2)
- Metro 6,720 sq mi (17,405 km2)
Elevation 33 ft (10 m)
Population (July 1, 2008)[1]
- City 8,363,710
- Density 27,440/sq mi (10,606/km2)
- Urban 18,223,567
- Metro 22,694,000
- Demonym New Yorker
Time zone EST (UTC-5)
- Summer (DST) EDT (UTC-4)
ZIP codes 100xx-104xx, 11004-05, 111xx-114xx, 116xx
Area code(s) 212, 718, 917, 347, 646
Website www.nyc.gov
New York ( /nuːˈjɔrk/ (help·info)) is the most populous city in the United States, and the center of the New York metropolitan area, which is among the most populous urban areas in the world. A leading global city, New York exerts a powerful influence over worldwide commerce, finance, culture, fashion and entertainment. As host of the United Nations headquarters, it is also an important center for international affairs. The city is often referred to as New York City to differentiate it from the state of New York, of which it is a part.
Located on a large natural harbor on the Atlantic coast of the Northeastern United States, the city consists of five boroughs: The Bronx, Brooklyn, Manhattan, Queens, and Staten Island. The city's 2007 estimated population exceeds 8.3 million people,[2] and with a land area of 305 square miles (790 km2),[3][4] New York City is the most densely populated major city in the United States.[5] The New York metropolitan area's population is also the nation's largest, estimated at 18.8 million people over 6,720 square miles (17,400 km2).[6]
New York is notable among American cities for its high use of mass transit, most of which runs 24 hours per day, and for the overall density and diversity of its population. In 2005, nearly 170 languages were spoken in the city and 36% of its population was born outside the United States.[7][8] The city is sometimes referred to as "The City that Never Sleeps", while other nicknames include Gotham[9] and the Big Apple.[10]
New York was founded as a commercial trading post by the Dutch in 1624. The settlement was called New Amsterdam until 1664 when the colony came under English control.[11] New York served as the capital of the United States from 1785 until 1790.[12] It has been the country's largest city since 1790.[13]
Many neighborhoods and landmarks in the city have become world-famous. The Statue of Liberty greeted millions of immigrants as they came to America in the late 19th and early 20th centuries. Wall Street, in Lower Manhattan, has been a dominant global financial center since World War II and is home to the New York Stock Exchange. The city has been home to several of the tallest buildings in the world, including the Empire State Building and the twin towers of the former World Trade Center.
New York is the birthplace of many cultural movements, including the Harlem Renaissance in literature and visual art, abstract expressionism (also known as the New York School) in painting, and hip hop,[14] punk,[15] salsa, disco and Tin Pan Alley in music. It is the home of Broadway theater.
Tuesday, July 14, 2009
Collect Now, or Later? Timing Your Social Security Benefits
by Tara Siegel Bernard Tuesday, July 14, 2009
Collecting Social Security as soon as you are eligible is a tempting proposition — but experts agree you should try to resist if you can.
The majority of people don’t follow that advice, choosing instead to start benefits early. Why wait to collect what is rightfully yours?
That logic may sound reasonable now. But in reality, the bigger risk is that you will live to a ripe old age. You can claim Social Security any time from age 62 to 70, but the longer you wait, the larger your monthly check. And many people come out ahead if they wait at least until their full retirement age, which is different from the day you stop working for good. For people born 1943 to 1954, full retirement age is 66, and it creeps up for younger people.
What do you stand to lose by taking benefits early? Take those who are set to receive $1,000 a month at their full retirement age. If they sign up for benefits at age 62, they will collect only $750. But if they wait until 70, they will earn extra credit and receive up to $1,320 a month — nearly a third more.
At first glance, it seems that everyone should wait until they are 70. But that is not the case. The answer depends on many factors, including when you stop working, how much you have in savings, whether you are healthy, whether you are married or single and whether your spouse earns more — or less.
It may be impossible for some households to wait because the breadwinner has lost a job or is no longer able to work. And planners agree that it is smarter to collect earlier if it will prevent you from accumulating debt.
But if you can wait, think of the money you aren’t receiving during that period as a payment of sorts for an annuity that will pay a higher, guaranteed stream of income later, if you live a long time (or at least longer than your savings last), financial experts say.
“You can’t buy an inflation-adjusted annuity for anywhere near the cost of delaying Social Security,” said Henry Hebeler, a retired Boeing executive who created AnalyzeNow.com, a Web site that offers retirement advice and calculators.
For people who choose to defer benefits until age 66, it generally takes about 12 more years to collect as much as if you started getting checks at 62. So you break even, so to speak, about age 78, according to Avram Sacks, a Social Security law analyst for CCH, a tax and accounting information service. “If you are in good health, and you expect to live to 78 or longer, then the advantage goes to the person who waits,” he says. “But that’s assuming we’re all prophets and we know what’s going to happen tomorrow, and we don’t all know.”
And that is why financial advisers recommend planning for a long life. Here are some strategies to consider before signing up.
SINGLES Figuring out when to collect is easier when you do not have to worry about how your actions will affect a spouse. It usually pays to wait until your full retirement age if you can support yourself until then. (This obviously does not apply to people who are already in poor health and probably won’t live past 78, give or take a couple of years. People who are still working should also defer.)
Though many experts will tell you to delay as long as you can, waiting from 66 until 70 may not be optimal for some singles. “The reason is that they will have consumed too much of their savings in those extra four years to be able to offset the savings loss with higher Social Security payments within their lifetime,” said Mr. Hebeler, who has also written three books on retirement. “It’s surprising, but that’s what the analysis shows.”
Consider a single person with $200,000 in savings returning 5 percent a year. Instead of taking Social Security at age 62, she withdraws $19,000 annually until she turns 66. Her savings will last until age 94, but she will still have $21,000 a year in Social Security benefits. If she claimed at 62, her savings would run out at age 87 and she would be left with only $16,000 a year in Social Security.
For people with significant savings who expect to live well into their 80s, it may make sense to wait until 70, Mr. Hebeler added.
If you have already started receiving benefits, but wish you had waited, you are allowed to give it all back and start over. But this gets complicated. You will probably have to pay back more than what you actually received each month, since Medicare premiums and income taxes may have been deducted. Married people can do this, too, but some advisers caution against it.
MARRIED COUPLES Planning is more complex for married couples because there are age differences, varying retirement dates and earnings and other factors to consider. In many cases, the higher-earning spouse should delay his or her benefits until age 70, while the lower earner begins to collect at age 62. This ensures that the surviving spouse will end up with the maximum amount of benefits for the rest of his or her life. Even if the higher earner died before age 70, the survivor’s benefits would be bumped up to what the deceased spouse would have gotten, said Lesley J. Brey, a fee-only financial planner in Honolulu.
But once the higher earner hits full retirement age, there is a way for the lower earner to potentially get a bigger check by qualifying for spousal benefits. The higher earner can “file and suspend,” or file for benefits but immediately suspend them — it is perfectly legal and allows the lower-earning spouse to get up to half the higher earner’s benefits, while the higher earner’s benefits continue to accrue.
“This is the way to get the most out of the system without jeopardizing the longevity insurance aspect, which is the most important component,” Ms. Brey said. “You want the last survivor to have the highest possible payment. However, you get cash flow, which reduces the amount you have to withdraw from other sources and you don’t have to guess when anyone is going to die.”
But if the couple can afford it, should the lower earner wait until full retirement age? “It doesn’t matter because the goal is to get the most money for the person who lives the longest,” Ms. Brey said.
Married people with similar earnings may also consider another strategy. Here, one person claims spousal benefits at full retirement age and switches to his or her own, and presumably higher, benefits later, said Alicia H. Munnell, director of the Center for Retirement Research at Boston College.
To get a more precise idea about how to maximize your benefits, go to the Social Security’s retirement estimator, which uses your actual earnings record in its calculation. (Click on “create scenarios” to how retiring at different ages affects benefits). AnalyzeNow.com offers calculators that will help determine the best time for singles and couples to take Social Security.
If figuring it all out on your own proves too difficult, have a fee-only financial planner run the analysis for you. "It is worth it," Mr. Hebeler said, "to spend the money."
by Tara Siegel Bernard Tuesday, July 14, 2009
Collecting Social Security as soon as you are eligible is a tempting proposition — but experts agree you should try to resist if you can.
The majority of people don’t follow that advice, choosing instead to start benefits early. Why wait to collect what is rightfully yours?
That logic may sound reasonable now. But in reality, the bigger risk is that you will live to a ripe old age. You can claim Social Security any time from age 62 to 70, but the longer you wait, the larger your monthly check. And many people come out ahead if they wait at least until their full retirement age, which is different from the day you stop working for good. For people born 1943 to 1954, full retirement age is 66, and it creeps up for younger people.
What do you stand to lose by taking benefits early? Take those who are set to receive $1,000 a month at their full retirement age. If they sign up for benefits at age 62, they will collect only $750. But if they wait until 70, they will earn extra credit and receive up to $1,320 a month — nearly a third more.
At first glance, it seems that everyone should wait until they are 70. But that is not the case. The answer depends on many factors, including when you stop working, how much you have in savings, whether you are healthy, whether you are married or single and whether your spouse earns more — or less.
It may be impossible for some households to wait because the breadwinner has lost a job or is no longer able to work. And planners agree that it is smarter to collect earlier if it will prevent you from accumulating debt.
But if you can wait, think of the money you aren’t receiving during that period as a payment of sorts for an annuity that will pay a higher, guaranteed stream of income later, if you live a long time (or at least longer than your savings last), financial experts say.
“You can’t buy an inflation-adjusted annuity for anywhere near the cost of delaying Social Security,” said Henry Hebeler, a retired Boeing executive who created AnalyzeNow.com, a Web site that offers retirement advice and calculators.
For people who choose to defer benefits until age 66, it generally takes about 12 more years to collect as much as if you started getting checks at 62. So you break even, so to speak, about age 78, according to Avram Sacks, a Social Security law analyst for CCH, a tax and accounting information service. “If you are in good health, and you expect to live to 78 or longer, then the advantage goes to the person who waits,” he says. “But that’s assuming we’re all prophets and we know what’s going to happen tomorrow, and we don’t all know.”
And that is why financial advisers recommend planning for a long life. Here are some strategies to consider before signing up.
SINGLES Figuring out when to collect is easier when you do not have to worry about how your actions will affect a spouse. It usually pays to wait until your full retirement age if you can support yourself until then. (This obviously does not apply to people who are already in poor health and probably won’t live past 78, give or take a couple of years. People who are still working should also defer.)
Though many experts will tell you to delay as long as you can, waiting from 66 until 70 may not be optimal for some singles. “The reason is that they will have consumed too much of their savings in those extra four years to be able to offset the savings loss with higher Social Security payments within their lifetime,” said Mr. Hebeler, who has also written three books on retirement. “It’s surprising, but that’s what the analysis shows.”
Consider a single person with $200,000 in savings returning 5 percent a year. Instead of taking Social Security at age 62, she withdraws $19,000 annually until she turns 66. Her savings will last until age 94, but she will still have $21,000 a year in Social Security benefits. If she claimed at 62, her savings would run out at age 87 and she would be left with only $16,000 a year in Social Security.
For people with significant savings who expect to live well into their 80s, it may make sense to wait until 70, Mr. Hebeler added.
If you have already started receiving benefits, but wish you had waited, you are allowed to give it all back and start over. But this gets complicated. You will probably have to pay back more than what you actually received each month, since Medicare premiums and income taxes may have been deducted. Married people can do this, too, but some advisers caution against it.
MARRIED COUPLES Planning is more complex for married couples because there are age differences, varying retirement dates and earnings and other factors to consider. In many cases, the higher-earning spouse should delay his or her benefits until age 70, while the lower earner begins to collect at age 62. This ensures that the surviving spouse will end up with the maximum amount of benefits for the rest of his or her life. Even if the higher earner died before age 70, the survivor’s benefits would be bumped up to what the deceased spouse would have gotten, said Lesley J. Brey, a fee-only financial planner in Honolulu.
But once the higher earner hits full retirement age, there is a way for the lower earner to potentially get a bigger check by qualifying for spousal benefits. The higher earner can “file and suspend,” or file for benefits but immediately suspend them — it is perfectly legal and allows the lower-earning spouse to get up to half the higher earner’s benefits, while the higher earner’s benefits continue to accrue.
“This is the way to get the most out of the system without jeopardizing the longevity insurance aspect, which is the most important component,” Ms. Brey said. “You want the last survivor to have the highest possible payment. However, you get cash flow, which reduces the amount you have to withdraw from other sources and you don’t have to guess when anyone is going to die.”
But if the couple can afford it, should the lower earner wait until full retirement age? “It doesn’t matter because the goal is to get the most money for the person who lives the longest,” Ms. Brey said.
Married people with similar earnings may also consider another strategy. Here, one person claims spousal benefits at full retirement age and switches to his or her own, and presumably higher, benefits later, said Alicia H. Munnell, director of the Center for Retirement Research at Boston College.
To get a more precise idea about how to maximize your benefits, go to the Social Security’s retirement estimator, which uses your actual earnings record in its calculation. (Click on “create scenarios” to how retiring at different ages affects benefits). AnalyzeNow.com offers calculators that will help determine the best time for singles and couples to take Social Security.
If figuring it all out on your own proves too difficult, have a fee-only financial planner run the analysis for you. "It is worth it," Mr. Hebeler said, "to spend the money."
Monday, July 13, 2009
Very Interesting !!!
Being young is a gift of nature.....Growing mature (prefer that to old) is
a Work of Art
The true sign of intelligence is not knowledge but IMAGINATION......
Why do men's clothes have buttons on the right while women's clothes
have buttons on the left????
When buttons were invented, they were very expensive and worn primarily
by the rich. Because weathly women were dressed by maides, dressmakers
put these butons on the maid's right. Since most people are right-handed,
it is easier to push buttons on the right through holes on the left.
And that is where women's buttons have remained since.
Why do people clink their glasses before drinking a toast ????
It used to be common for someone to try to kill an enemy by
offering him a poisoned drink. To prove to a guest that a drink
was safe, it became customary for a guest to pour a small amount
of his drink into the glass of the host. Both men would drink it
simultaneously. When a guest trusted his host, he would then
just touch or clink the host's glass with his own.
Until the next time. Happy Trails... Fran and Lois Moran
a Work of Art
The true sign of intelligence is not knowledge but IMAGINATION......
Why do men's clothes have buttons on the right while women's clothes
have buttons on the left????
When buttons were invented, they were very expensive and worn primarily
by the rich. Because weathly women were dressed by maides, dressmakers
put these butons on the maid's right. Since most people are right-handed,
it is easier to push buttons on the right through holes on the left.
And that is where women's buttons have remained since.
Why do people clink their glasses before drinking a toast ????
It used to be common for someone to try to kill an enemy by
offering him a poisoned drink. To prove to a guest that a drink
was safe, it became customary for a guest to pour a small amount
of his drink into the glass of the host. Both men would drink it
simultaneously. When a guest trusted his host, he would then
just touch or clink the host's glass with his own.
Until the next time. Happy Trails... Fran and Lois Moran
Friday, July 10, 2009
A Wee Bit of Trivia
In golf, where did the term "Caddie" come from??
When Mary, later Queen of Scots, went to France as a young girl
(for education and survival), Louis, King of France, learned that
she loved the Scot game "golf." So he had the first golf course
outside of Scotland built for her enjoyment. To make sure she was
property chapperoned (and guarded) while she played, Louis hired
cadets from a military school to accompany her. Mary liked this a
lot and when she returned to Scotland (not a very good idea in the
long run) , she took the practice with her. In French, the word cadet
is pronouced "ca-day" and the Scots changed it into "caddie."
Have a wonderful day !!!!!
When Mary, later Queen of Scots, went to France as a young girl
(for education and survival), Louis, King of France, learned that
she loved the Scot game "golf." So he had the first golf course
outside of Scotland built for her enjoyment. To make sure she was
property chapperoned (and guarded) while she played, Louis hired
cadets from a military school to accompany her. Mary liked this a
lot and when she returned to Scotland (not a very good idea in the
long run) , she took the practice with her. In French, the word cadet
is pronouced "ca-day" and the Scots changed it into "caddie."
Have a wonderful day !!!!!
Sunday, July 5, 2009
SAN ANTONIO IS STILL A GOOD PLACE TO BUY A HOUSE !!!
FIVE "5" CINCO Housing Markets That Have Further to Fall
By Sarah Morgan, SmartMoney.com
Jun 30th, 2009
Think twice before buying a house in these cities any time soon.
Home buyers looking for a bottom in the real estate market may have been encouraged by housing data released earlier this week. Sales of existing homes rose 2.4% in May, according to the National Association of Realtors. The increase was a little less than most analysts had expected, but it represented the second straight month of improvement. Meanwhile, sales of new homes dipped 0.6% in May, continuing a trend of fairly flat months so far this year, according to data released by the Commerce Department.
Don’t get too excited – it’s still too early to say the housing market bottomed out, analysts and economists say. Distressed properties still account for about a third of all sales, and 29% of sales were to first-time home buyers, who are currently benefiting from an $8,000 tax credit.
The sales trends are telling. “You’re not really seeing a lot of move-up buying,” says Richard F. Moody, chief economist and director of research at Forward Capital, LLC. “There are so many vacant homes and so many foreclosures that [there’s] not the normal trade-up pattern that you would have traditionally seen,” Moody says.
Housing prices fell nationwide during the first quarter, according to Standard & Poor’s Case-Shiller Index. The decline appears to be slowing: in February and March, the annual rate of decline did not set a new record, but home owners should take little solace in those numbers. “Based on the March data… we see no evidence that that a recovery in home prices has begun,” David M. Blitzer, chairman of the Index Committee at Standard & Poor’s, said in a statement.
All of this less-than-terrible news has left analysts cautiously optimistic that much of the country will start to see housing prices rise sometime in the next year or two. Looking at the nation as a whole, today through the spring of 2011 may be the window for those looking to buy a house at the bottom of the market, says Gary Hager, president and founder of Integrated Wealth Management, a New Jersey-based financial planning company.
A few markets where the housing crisis started earliest have already shown signs of bottoming out. Early-suffering cities like Denver and Boston are now seeing slower declines in home prices, which could indicate they’re already poised for a comeback.
And in some areas, buyers have seized on rapidly falling prices. Existing-home sales rose 9% in the Midwest in May, according to the National Association of Realtors.
“There will be regional differences in the turnaround,” says Maureen Maitland, vice president of index services at Standard & Poor’s. “Most economists I talk to are expecting the beginning of the turnaround to be sometime next year,” she says. However, she added, “the last market may not turn around for two or three years.”
For those hoping to buy at the best possible price, we’ve got a list of five cities where home prices may still have farther to fall. But keep in mind, getting a house at a discount is still not necessarily a house you can afford.
“In light of the housing market boom and bust, consumers should feel very comfortable financially” before deciding to buy, says Lawrence Yun, chief economist for the National Association of Realtors. “They should not try to overstretch their budget to get their dream home.”
1) Detroit Housing prices fell 4.9% in Detroit in March, according to the latest reading of the Case-Shiller Index. That marked the city’s largest monthly decline since January 1991, when S&P’s backlogged data begin. Houses in Detroit are currently selling at 1995 prices – and with prices still falling so fast, it’s hard to say when the city will rejoin the 21st century.
“Detroit is Detroit because of the auto industry,” says Maitland. The whole Midwest is hurting from car companies’ woes, but Detroit is hurting the most.
2) New York City Anyone who was hoping to see Wall Street suffer from the financial crisis can relax. New York may have avoided the nationwide implosion in home prices early on, but the city saw its largest-ever monthly decline in March, at 2.5%.
“New York may not be out of the woods,” Maitland says. “Because of what’s going on with the financial markets and the layoffs on Wall Street, New York may be one of the last places to turn around.”
3) Phoenix Home prices in Phoenix have fallen 53% from their peak in June 2006, and the 2009 data suggest they’ve got farther to go. In March, prices in Phoenix fell 4.5%.
The Southwest has been one of the hardest-hit regions in the mortgage crisis. The region still faces a glut of recently-built homes.
“In Phoenix, you had some of the worst excesses,” in terms of overbuilding, Moody says. “The surplus of houses is so great that it could take two or three years” for prices to turn around. However, a steady influx of new residents into the region suggests the long-term prospects for the market are sound, he says.
4) Portland, Ore. In the Northwest, median home prices are down but they remain above the national average. Portland’s prices fell 2.1% in March. Home prices in Seattle were down 2.0% for the month.
“Portland’s still going down,” says Dave McCarthy, president and chief executive of Integrated Asset Services, a real estate valuation and asset disposition and management company that collects data on the housing market.
The city “has remained pretty strong but they’re starting to feel some of the effects,” he adds.
The local labor market may be playing a role, Moody says. Portland’s unemployment rate was 11.6% in April, according to the Department of Labor. That’s well above the national average for the month (8.9%).
The Pacific Northwest bubble was among the last to burst, which could mean the market will be among the last to recover.
5) Minneapolis Housing prices in Minneapolis fell 6.1% in March, the largest monthly decline of any metro area since data tracking began in 1987.
More than half of all March home sales in Minneapolis were due to foreclosure or short-sale activity, according to the Federal Reserve Board’s Beige Book, which gathers information on regional economic conditions. Foreclosed homes tend to drive prices down because “the bank’s best interest is to get the asset off their books” as quickly as possible, Maitland says.
Go see http://www.sistersthatsell.com/ and let the expertise of Sheila and Kristin Moran assist you making a good decision on your new home. Have a wonderful sunday !!! The Morans
By Sarah Morgan, SmartMoney.com
Jun 30th, 2009
Think twice before buying a house in these cities any time soon.
Home buyers looking for a bottom in the real estate market may have been encouraged by housing data released earlier this week. Sales of existing homes rose 2.4% in May, according to the National Association of Realtors. The increase was a little less than most analysts had expected, but it represented the second straight month of improvement. Meanwhile, sales of new homes dipped 0.6% in May, continuing a trend of fairly flat months so far this year, according to data released by the Commerce Department.
Don’t get too excited – it’s still too early to say the housing market bottomed out, analysts and economists say. Distressed properties still account for about a third of all sales, and 29% of sales were to first-time home buyers, who are currently benefiting from an $8,000 tax credit.
The sales trends are telling. “You’re not really seeing a lot of move-up buying,” says Richard F. Moody, chief economist and director of research at Forward Capital, LLC. “There are so many vacant homes and so many foreclosures that [there’s] not the normal trade-up pattern that you would have traditionally seen,” Moody says.
Housing prices fell nationwide during the first quarter, according to Standard & Poor’s Case-Shiller Index. The decline appears to be slowing: in February and March, the annual rate of decline did not set a new record, but home owners should take little solace in those numbers. “Based on the March data… we see no evidence that that a recovery in home prices has begun,” David M. Blitzer, chairman of the Index Committee at Standard & Poor’s, said in a statement.
All of this less-than-terrible news has left analysts cautiously optimistic that much of the country will start to see housing prices rise sometime in the next year or two. Looking at the nation as a whole, today through the spring of 2011 may be the window for those looking to buy a house at the bottom of the market, says Gary Hager, president and founder of Integrated Wealth Management, a New Jersey-based financial planning company.
A few markets where the housing crisis started earliest have already shown signs of bottoming out. Early-suffering cities like Denver and Boston are now seeing slower declines in home prices, which could indicate they’re already poised for a comeback.
And in some areas, buyers have seized on rapidly falling prices. Existing-home sales rose 9% in the Midwest in May, according to the National Association of Realtors.
“There will be regional differences in the turnaround,” says Maureen Maitland, vice president of index services at Standard & Poor’s. “Most economists I talk to are expecting the beginning of the turnaround to be sometime next year,” she says. However, she added, “the last market may not turn around for two or three years.”
For those hoping to buy at the best possible price, we’ve got a list of five cities where home prices may still have farther to fall. But keep in mind, getting a house at a discount is still not necessarily a house you can afford.
“In light of the housing market boom and bust, consumers should feel very comfortable financially” before deciding to buy, says Lawrence Yun, chief economist for the National Association of Realtors. “They should not try to overstretch their budget to get their dream home.”
1) Detroit Housing prices fell 4.9% in Detroit in March, according to the latest reading of the Case-Shiller Index. That marked the city’s largest monthly decline since January 1991, when S&P’s backlogged data begin. Houses in Detroit are currently selling at 1995 prices – and with prices still falling so fast, it’s hard to say when the city will rejoin the 21st century.
“Detroit is Detroit because of the auto industry,” says Maitland. The whole Midwest is hurting from car companies’ woes, but Detroit is hurting the most.
2) New York City Anyone who was hoping to see Wall Street suffer from the financial crisis can relax. New York may have avoided the nationwide implosion in home prices early on, but the city saw its largest-ever monthly decline in March, at 2.5%.
“New York may not be out of the woods,” Maitland says. “Because of what’s going on with the financial markets and the layoffs on Wall Street, New York may be one of the last places to turn around.”
3) Phoenix Home prices in Phoenix have fallen 53% from their peak in June 2006, and the 2009 data suggest they’ve got farther to go. In March, prices in Phoenix fell 4.5%.
The Southwest has been one of the hardest-hit regions in the mortgage crisis. The region still faces a glut of recently-built homes.
“In Phoenix, you had some of the worst excesses,” in terms of overbuilding, Moody says. “The surplus of houses is so great that it could take two or three years” for prices to turn around. However, a steady influx of new residents into the region suggests the long-term prospects for the market are sound, he says.
4) Portland, Ore. In the Northwest, median home prices are down but they remain above the national average. Portland’s prices fell 2.1% in March. Home prices in Seattle were down 2.0% for the month.
“Portland’s still going down,” says Dave McCarthy, president and chief executive of Integrated Asset Services, a real estate valuation and asset disposition and management company that collects data on the housing market.
The city “has remained pretty strong but they’re starting to feel some of the effects,” he adds.
The local labor market may be playing a role, Moody says. Portland’s unemployment rate was 11.6% in April, according to the Department of Labor. That’s well above the national average for the month (8.9%).
The Pacific Northwest bubble was among the last to burst, which could mean the market will be among the last to recover.
5) Minneapolis Housing prices in Minneapolis fell 6.1% in March, the largest monthly decline of any metro area since data tracking began in 1987.
More than half of all March home sales in Minneapolis were due to foreclosure or short-sale activity, according to the Federal Reserve Board’s Beige Book, which gathers information on regional economic conditions. Foreclosed homes tend to drive prices down because “the bank’s best interest is to get the asset off their books” as quickly as possible, Maitland says.
Go see http://www.sistersthatsell.com/ and let the expertise of Sheila and Kristin Moran assist you making a good decision on your new home. Have a wonderful sunday !!! The Morans
Thursday, July 2, 2009
Some Things to Ponder......
Author and lecturer Leo Buscaglia once talked about a contest he was asked to judge. The purpose of the contest was to find the most caring child.The winner was:A four-year-old child, whose next doorneighbor was an elderly gentleman, who had recently lost hiswife. Upon seeing the man cry, the little boy went into the old gentleman's yard, climbed onto his lap, and just sat there.
When his mother asked him what he had said to the neighbor, the little boy just said, nothing I just helped him cry.
Teacher Debbie Moon's first graders were discussing a picture of a family. One little boy in the picture had a different hair color than the other members. One of her students suggested that he was adopted.
A little girl said, 'I know all about adoption; I was adopted..''What does it mean to be adopted?' asked another child.'It means,' said the girl, 'that you grew in your mommy's heart instead of her tummy.
On my way home one day, I stopped to watch a Little League base ball game that was being played in a park near my home. As I sat down behind the bench on the first-base line, I asked one of the boys what the score was?
'We're behind 14 to nothing,' he answered with a smile.'Really,' I said. 'I have to say you don't look very discouraged.''Discouraged?', the boy asked with a puzzled look on his face...'Why should we be discouraged? We haven't been up to bat yet!!!
Whenever I'm disappointed with my spot in life, I stop and think about little Jamie Scott. Jamie was trying out for a part in the school play. His mother told me that he'd set his heart on being in it, though she feared he would not be chosen. On the day the parts were awarded, I went with her to collect him after school. Jamie rushed up to her,eyes shining with pride and excitement.
'Guess what, Mom,' he shouted, and then said those words that will remain a lesson to me....'I've been chosen to clap and cheer!!!
An eye witness account from New York City , on a cold day in December, some years ago: A little boy, about 10-years-old, was standing before a shoe store on the road, barefooted, peering through the window, and shivering with cold. A lady approached the young boy and said,"My, but you're in such deep thought staring in that window!'' I was asking God to give me a pair of shoes," was the boy's reply. The lady took him by the hand, went into the store, and asked the clerk to get half a dozen pairs of socksfor the boy. She then asked if he could give her a basin of water and a towel. He quickly brought them to her. She took the little fellow to the backpart of the store and, removing her gloves, knelt down, washed his little feet, and dried them with the towel. By this time, the clerk had returned with the socks.. Placing a pair upon the boy's feet, she purchased him a pair of shoes. ...She tied up the remaining pairs of socks and gave them to him.. She patted him on the head and said, 'No doubt, you will be more comfortable now. 'As she turned to go, the astonished kid caught her by the hand, and looking up into her face, with tears in his eyes, asked her.'Are you God's wife?' No, she said, 'I'm just one of His children."
We thank the many men and women who serve for us ....so that we may have
this GIFT of FREEDOM.....In God we Trust .......
When his mother asked him what he had said to the neighbor, the little boy just said, nothing I just helped him cry.
Teacher Debbie Moon's first graders were discussing a picture of a family. One little boy in the picture had a different hair color than the other members. One of her students suggested that he was adopted.
A little girl said, 'I know all about adoption; I was adopted..''What does it mean to be adopted?' asked another child.'It means,' said the girl, 'that you grew in your mommy's heart instead of her tummy.
On my way home one day, I stopped to watch a Little League base ball game that was being played in a park near my home. As I sat down behind the bench on the first-base line, I asked one of the boys what the score was?
'We're behind 14 to nothing,' he answered with a smile.'Really,' I said. 'I have to say you don't look very discouraged.''Discouraged?', the boy asked with a puzzled look on his face...'Why should we be discouraged? We haven't been up to bat yet!!!
Whenever I'm disappointed with my spot in life, I stop and think about little Jamie Scott. Jamie was trying out for a part in the school play. His mother told me that he'd set his heart on being in it, though she feared he would not be chosen. On the day the parts were awarded, I went with her to collect him after school. Jamie rushed up to her,eyes shining with pride and excitement.
'Guess what, Mom,' he shouted, and then said those words that will remain a lesson to me....'I've been chosen to clap and cheer!!!
An eye witness account from New York City , on a cold day in December, some years ago: A little boy, about 10-years-old, was standing before a shoe store on the road, barefooted, peering through the window, and shivering with cold. A lady approached the young boy and said,"My, but you're in such deep thought staring in that window!'' I was asking God to give me a pair of shoes," was the boy's reply. The lady took him by the hand, went into the store, and asked the clerk to get half a dozen pairs of socksfor the boy. She then asked if he could give her a basin of water and a towel. He quickly brought them to her. She took the little fellow to the backpart of the store and, removing her gloves, knelt down, washed his little feet, and dried them with the towel. By this time, the clerk had returned with the socks.. Placing a pair upon the boy's feet, she purchased him a pair of shoes. ...She tied up the remaining pairs of socks and gave them to him.. She patted him on the head and said, 'No doubt, you will be more comfortable now. 'As she turned to go, the astonished kid caught her by the hand, and looking up into her face, with tears in his eyes, asked her.'Are you God's wife?' No, she said, 'I'm just one of His children."
We thank the many men and women who serve for us ....so that we may have
this GIFT of FREEDOM.....In God we Trust .......
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