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This is a two-word game. I post a two word phrase like:

pumpkin pie

and you can replace either word

apple pie

and the next person does the same...GO!

Hi, I am working on a story about how couples decide on their timetables for retirement and would appreciate being able to interview you. Particularly if you and your spouse had different ideas I would like to know how you resolved that issue and what happened.
If you're amenable please send me a message and let me know if there's a good time to call and what number to use.
Thanks so much.
Kathleen Hughes

A link to an interesting article on whether or not with the state of the markets today that discusses whether or not the 4% withdrawal rule in retirement is still valid.

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Any thoughts?

I just wanted to stop by and say good morning to everyone... I am working today and have to get going. What are you up to today?

Today's topic is about how you show someone that you love them without spending money...

Valentine’s Day is just around the corner.

Figure out how you are going to show your loved ones how much you care, without it being something you purchase in a store. Perhaps you might plan to cook a meal your spouse enjoys. Maybe you’ll offer to babysit a friend’s children--for-free--while she and her hubby go on a special date night. Perhaps you’ll write a special, meaningful letter to your son or daughter that he or she will treasure now and for years to come. If your plan requires preparation, start today.

Reply and let us what you plan to do.

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What are you reading??

Don't care if it is a book, magazine or blog - what is it that you get your kicks reading!?! Any good RSS feeds you subscribe to??

I am reading a book called "Smokin' Seventeen" by Janet Evanovich...I like series books... I am also reading a book for work on managing millenials

How about you?

Today - I am going to tell you about my latest venture...I am about to retire and trying to buy a new car. I have looked at Honda CR-Vs and Subaru Foresters and I still haven't settled on the best one for me. The question is when did all these small cars get so big. Was it a whole "safety" thing or is it that Americans want to spend more and more of their income on GAS. I am happily surprised that mose new cars get about 10 more miles to the gallon than my old car but what gives??

And what do you do with your old car? Trade it in or sell it yourself?

I read an article on Ten Habits to Keep You Out of Trouble in Psychology Today.

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One of the messages is about tracking spending and being financially accountable...

"5) Track your spending and be accountable to yourself financially

I love this quote from Dave Ramsey: "If you will live like no one else, one day you will live like no one else." Over the last few months I have been studying his "Financial Peace University" course; the effects on my financial habits and bottom line have been profound. I've been blessed for years with a good solid income, but somehow always managed to fritter the bulk of it away through bad decisions (see #1), mindless spending, and being overly comfortable with credit and debt. Thanks to Dave I've learned to see my habits in the cold hard light of truth, and learned to control money rather than letting it control me - I encourage you to do the same!"

How accountable are you to your spending and yourself financially?

Please consider signing this petition in support of asking AARP to recognize that student loans are an issue impacting even their constituents. If you're doubtful that people 50+ are being harmed by student loans, I urge you to read this petition, which fully explains how this is the case.

Thank you in advance for your support of this important cause!

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I used to post one of these messages everyday to get people up and at 'em...thinking about saving time and money. Today's topic is about low or no cost ways to entertain yourself... My parents in the 50's had friends in and had small sandwiches and drinks - maybe chips and played cards. Not too expensive! Where did all that go?!?

Last Sunday night, I had friends in - we each brought a take and bake pizza and we watched a movie on Showtime - On-Demand. We visited - drink wine and overall, had a nice evening.