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Archive through February 11, 2007

The TVClubHouse: General Discussions ARCHIVES: Jan. 2007 ~ Mar. 2007: Baby Boomers, Living Alone, Changing Habits...: Archive through February 11, 2007 users admin

Author Message
Jimmer
Moderator

08-30-2000

Friday, February 09, 2007 - 11:42 am   Edit Post Move Post Delete Post View Post Send Jimmer a private message Print Post    
It's the same as trying to go to sleep or trying to relax. With some things, ironically the harder you try, the less likely you may be to succeed.

I think in order to meet someone, you have to put yourself out there and talk to people. You aren't going to meet someone, sitting by yourself at home. However, after putting yourself out there, you've just got to relax and let it happen.

It sure can't be easy though.

Mocha
Member

08-12-2001

Friday, February 09, 2007 - 12:02 pm   Edit Post Move Post Delete Post View Post Send Mocha a private message Print Post    
Performing the same behavior begets the same results.

Kearie
Member

07-21-2005

Friday, February 09, 2007 - 12:58 pm   Edit Post Move Post Delete Post View Post Send Kearie a private message Print Post    
I gave up on wanting to meet a nice man. Most of the men I have met have pressured me for sex either the first time out or the second.

I want a guy to know me and like me for me, not because I have a nice butt. I have brains, beliefs, values and interests and if these traits aren't what a man values, then I don't want him.

Why buy the pig when you can get the sausage for free. LOL

Honestly, I don't think I want the hassle of sharing, making an "our home". That won't ever happen unless by some crazy chance I get married someday.

Landi
Member

07-29-2002

Friday, February 09, 2007 - 1:04 pm   Edit Post Move Post Delete Post View Post Send Landi a private message Print Post    
oooooooooh! kearie has a nice butt! she said so herself!

Cndeariso
Member

06-28-2004

Friday, February 09, 2007 - 1:07 pm   Edit Post Move Post Delete Post View Post Send Cndeariso a private message Print Post    
i wanna see!

Juju2bigdog
Member

10-27-2000

Saturday, February 10, 2007 - 9:24 am   Edit Post Move Post Delete Post View Post Send Juju2bigdog a private message Print Post    


Newman
Member

09-25-2004

Sunday, February 11, 2007 - 7:56 am   Edit Post Move Post Delete Post View Post Send Newman a private message Print Post    
I don't have a will. Does anyone have advice? Can I make up a simple will over the internet, cheaper, but still legal?

Or should I just look in the yellow pages (what are those?) for attorneys who specialize in cheap wills.

Any thoughts?


Twiggyish
Member

08-14-2000

Sunday, February 11, 2007 - 8:07 am   Edit Post Move Post Delete Post View Post Send Twiggyish a private message Print Post    
Newman, get a lawyer to draw up the will. There are cheaper ways to go, but there could be problems with that. I wouldn't try to save money on something so important. You don't want your heirs to have a problem. (just my thought on it)

Cndeariso
Member

06-28-2004

Sunday, February 11, 2007 - 8:15 am   Edit Post Move Post Delete Post View Post Send Cndeariso a private message Print Post    
there are any number of ways to do a will a lot cheaper than using an attorney, but having gone through a number of deaths in the family over the past 5 years, i wouldn't advise it. the battle of the heirs is not worth what you think you have saved. i used a lawyer for mine and have a copy on file of record in probate court.

Newman
Member

09-25-2004

Sunday, February 11, 2007 - 9:49 am   Edit Post Move Post Delete Post View Post Send Newman a private message Print Post    
Thanks both of you. I appreciate the feedback...

Mocha
Member

08-12-2001

Sunday, February 11, 2007 - 9:50 am   Edit Post Move Post Delete Post View Post Send Mocha a private message Print Post    
I downloaded a simple will filled it out and had it witnessed and notarized. Easy peasy.

Jimmer
Moderator

08-30-2000

Sunday, February 11, 2007 - 10:08 am   Edit Post Move Post Delete Post View Post Send Jimmer a private message Print Post    
I have couple of additional suggestions. Be sure to make the people who witness your Will, relatively young, healthy and easy to find. Do not pick some obscure people that your beneficiaries can't locate.

Another problem is picking an Executor. If you have a sole beneficiary you can make them the Executor – easy. If you have multiple beneficiaries, then you probably want a reliable independent person. Ugh!

Kearie
Member

07-21-2005

Sunday, February 11, 2007 - 10:37 am   Edit Post Move Post Delete Post View Post Send Kearie a private message Print Post    
My mother has talked about her will since I was young. Always asking us kids what we wanted in the will when she died.

I think she probably changes her will every year or so...updates it.

Now her big question is...When she dies, how does she leave me my portion of the $$$ without messing up my disability.

Her thots were trying to find a way to issue me so much of the money to live on each month. $500 or so. With my SSI that would give me enough to live on without the extra help my mom gives me now.

Is there anyway to do this legally?

Chewpito
Member

01-04-2004

Sunday, February 11, 2007 - 10:56 am   Edit Post Move Post Delete Post View Post Send Chewpito a private message Print Post    
Does she have a house? maybe in the form of property.."free and clear", and the $$ in some sort of pension for when you turn 60 or somthing..Maybe put in in your daughters name with the understanding that its for you.. I guess you would have to trust your daughter then... I think you are allowed to have a home with out messing up SSI and then you wouldnt have monthly rent payments and such.. I dont know though, Im just guessing.. .. I look forward to a correct answer.. Also If you only have one sole person that you want every thing to go to... do you still need a lawyer?? ... or just state that every thing goes to that person.. ONLY.?

Kearie
Member

07-21-2005

Sunday, February 11, 2007 - 11:03 am   Edit Post Move Post Delete Post View Post Send Kearie a private message Print Post    
The original plan was for me to get the house and my brother and sister get cash. But then it became clear that on my SSI, there is no way I could pay the property taxes on the house.

We have talked about "Willing" it to ArReal and her give me the money each month. But we're looking for the most legal way.

Cndeariso
Member

06-28-2004

Sunday, February 11, 2007 - 11:04 am   Edit Post Move Post Delete Post View Post Send Cndeariso a private message Print Post    
the IRS lets you inherit a certain amount without counting it as income. SSI may let you do that also, but i'm not certain.

i found this:

SSI & Inheritance

Kearie
Member

07-21-2005

Sunday, February 11, 2007 - 11:13 am   Edit Post Move Post Delete Post View Post Send Kearie a private message Print Post    
Not this amount. I know people who have lost their SSI over 10K. That's why were in a pinch. It's not enough to live on til I die, but it's enough to enable me to live independantly, when added to my SSI, for the rest of my life.

Right now, my mom helps with medical co pays, vet bills, car up keep, computer up keep and emergencies. (Sometimes a few luxuries, like Gizmo)

Max
Moderator

08-12-2000

Sunday, February 11, 2007 - 11:23 am   Edit Post Move Post Delete Post View Post Send Max a private message Print Post    
I don't have a will, either, though lately it's been on my mind that I should draw one up. Even though I don't have kids or a spouse, it would help whoever has to deal with things figure it all out. :-)

Legalzoom.com and USLegalForms.com both have relatively inexpensive assistance for drawing up a will for a simple estate. I'll probably use one of them.

First I'll have to decide what I want to have happen with my assets if I die before spending them all. :-)

Pamy
Member

01-02-2002

Sunday, February 11, 2007 - 11:43 am   Edit Post Move Post Delete Post View Post Send Pamy a private message Print Post    
if you own property you need a trust not a will...if you only have a will your heirs will spend thousands to get the property that you wnated to leave them....if you have a trust it passes to them and they dont have to probate

Cndeariso
Member

06-28-2004

Sunday, February 11, 2007 - 11:47 am   Edit Post Move Post Delete Post View Post Send Cndeariso a private message Print Post    
your mom can gift you a certain amount ($10k i think) each year that you can put away into savings and the IRS doesn't count that as income. i'm just don't know much about SSI to speak intelligently. sorry.

Kearie
Member

07-21-2005

Sunday, February 11, 2007 - 11:54 am   Edit Post Move Post Delete Post View Post Send Kearie a private message Print Post    
Thanks Chessy...new things to look into and read about are helpful. Thanks for the link.

Dogdoc
Member

09-29-2001

Sunday, February 11, 2007 - 12:15 pm   Edit Post Move Post Delete Post View Post Send Dogdoc a private message Print Post    
I made out my will last year. My next door neighbor died intestate and I saw what a mess that caused. I filled out a do-it-yourself and took it to get it notarized. The notary was in a law office. I ended up getting the will done by the lawyer. He said that the will I filled out was not legal in Pennsylvania. I think it was worth what I paid by having him do it. The other important thing is to let people know where your will and other valuable papers are so they can be found easily. (He told me that many people put valuable papers in the refrigerator. In case of fire they will not burn and police and firemen know to look for them there).

Landi
Member

07-29-2002

Sunday, February 11, 2007 - 12:54 pm   Edit Post Move Post Delete Post View Post Send Landi a private message Print Post    
i have both a will and a living trust. the trust is for the property, and the will is to designate who is to care for holly and how she should be raised, should something happen to chuck and myself.

Chewpito
Member

01-04-2004

Sunday, February 11, 2007 - 1:30 pm   Edit Post Move Post Delete Post View Post Send Chewpito a private message Print Post    
Maybe she could leave a certain amount of $$ in a account in ArReal's name that would be reserved for taxes only..... IRS and SSI have very differant rules... Id have to look it up.. or possibly you could take on a roomie that could provide for tax payments or somthing..but that is kinda hard if your use to living alone.

Karuuna
Board Administrator

08-31-2000

Sunday, February 11, 2007 - 2:16 pm   Edit Post Move Post Delete Post View Post Send Karuuna a private message Print Post    
Kearie, she should look into living trusts, transferring the assets into a trust now, before she dies. She can take money out of the trust as she needs it. As I understand it, when she dies, you become the executor of that trust, and can take out money as you need, without exceeding the limits of your SSI.

Also, you might look into whether a life insurance payout would effect your SSI the same way as an inheritance. An inheritance is considered income and you must pay taxes on it. However, a life insurance payout is not considered income, and no taxes are due. Since it is not considered income, it may not effect your SSI. It may be that it would be best for your mom to take out a life insurance policy with you as the beneficiary.

Either way, you should talk to a tax specialist to figure out the best way to handle this. I am not one, and probably know just enough to be dangerous! :-)