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Archive through July 06, 2010

Reality TVClubHouse Discussions: General Discussions ARCHIVES: May 2010 ~ August 2010: Free Expressions: The return of The Return of the Gripe Thread: Archive through July 06, 2010 users admin

Author Message
Mak1
Member

08-11-2002

Tuesday, July 06, 2010 - 7:46 am   Edit Post Move Post Delete Post View Post Send Mak1 a private message Print Post    
Costacat, that really isn't much of a gripe, but it did make me smile. I'm on my way, so I can pick you up, Dfen. :-)

Dfennessey
Member

07-25-2004

Tuesday, July 06, 2010 - 7:54 am   Edit Post Move Post Delete Post View Post Send Dfennessey a private message Print Post    
I will wait patiently for you Mak1

Costacat
Member

07-15-2000

Tuesday, July 06, 2010 - 8:00 am   Edit Post Move Post Delete Post View Post Send Costacat a private message Print Post    
LOL Mak! The gripe part is it's been so darned cold here, that drinking a cold smoothie makes me even colder.

But y'all come on down!

Dfennessey
Member

07-25-2004

Tuesday, July 06, 2010 - 8:27 am   Edit Post Move Post Delete Post View Post Send Dfennessey a private message Print Post    
we are on our way and we will bring the heat

Mak1
Member

08-11-2002

Tuesday, July 06, 2010 - 8:33 am   Edit Post Move Post Delete Post View Post Send Mak1 a private message Print Post    
I know what you meant, but it's so insufferably hot here that I can't recognize cold as a complaint. LOL

If only we could plow the humidity out of here, Dfen!

Dfennessey
Member

07-25-2004

Tuesday, July 06, 2010 - 8:40 am   Edit Post Move Post Delete Post View Post Send Dfennessey a private message Print Post    
I hear you Mak1. the heat I can deal with the humidity really stinks

Costacat
Member

07-15-2000

Tuesday, July 06, 2010 - 8:44 am   Edit Post Move Post Delete Post View Post Send Costacat a private message Print Post    
And it's so insufferably cold here that *I* can't recognize heat as a complaint! :-)

Goddessatlaw
Member

07-19-2002

Tuesday, July 06, 2010 - 9:00 am   Edit Post Move Post Delete Post View Post Send Goddessatlaw a private message Print Post    
Sweaty, nasty, filthy hot here - drenching sweat the minute you walk out the door. Not a cloud in sight, just burning, blinding sun. I would do MANY bad things for that 64 degrees you were talking about the other day, Costa.

Goddessatlaw
Member

07-19-2002

Tuesday, July 06, 2010 - 9:04 am   Edit Post Move Post Delete Post View Post Send Goddessatlaw a private message Print Post    
I really shouldn't put that in the gripe thread, though - we had a whole week of picture perfect weather last week - 84 degrees and breezy. We knew enough to appreciate it because the dog days of summer stop for no one.

Dfennessey
Member

07-25-2004

Tuesday, July 06, 2010 - 9:32 am   Edit Post Move Post Delete Post View Post Send Dfennessey a private message Print Post    
you can say that again Goddessatlaw. Last Thursday and Friday were the picture perfect days in Boston in the high 70's and zero humidity.

Julieboo
Member

02-05-2002

Tuesday, July 06, 2010 - 11:22 am   Edit Post Move Post Delete Post View Post Send Julieboo a private message Print Post    
Hey TVCHers, I am looking for anyone willing to help my family out. In short, we will lose our house if the unemployment extension does not go thru.

Anyone who is interested in helping us out, please fax a note stating that you support the unemployment extension. You could also phone in your support. Doing both would be fantastic.

Here are the numbers:
FAX: 202-228-0400 / PHONE: 202-224-2152

If you could keep us in you prayers that one day SOON, that either I or my DH (or BOTH) finally lands a decent (Hopefully permanent) position, we would totally appreciate it. Thank you so much!

Tishala
Member

08-01-2000

Tuesday, July 06, 2010 - 11:38 am   Edit Post Move Post Delete Post View Post Send Tishala a private message Print Post    
Julie, with respect, there's really no need to fax or call Sen Durbin, who supports the extension. It's be better if people in states with Senators who don't support it call or fax, instead. If you live in Maine, Snowe and Collins are probably persuadable; in MA, Brown might be, also.

Julieboo
Member

02-05-2002

Tuesday, July 06, 2010 - 11:43 am   Edit Post Move Post Delete Post View Post Send Julieboo a private message Print Post    
Hmmm, when I called Durbin's number, I asked what I could do to help this pass. That's when the guy who answered Durbin's phone, gave me the above numbers. Are you saying sending those calls/faxes to DC will do no good? (Like preaching to the choir?)

Julieboo
Member

02-05-2002

Tuesday, July 06, 2010 - 11:44 am   Edit Post Move Post Delete Post View Post Send Julieboo a private message Print Post    
Or should I see if I can get any TVCHers who live in Maine or Mass to call/fax the above numbers?

Tishala
Member

08-01-2000

Tuesday, July 06, 2010 - 11:52 am   Edit Post Move Post Delete Post View Post Send Tishala a private message Print Post    
It is preaching to the choir, yes. I think the best solution is for people to contact Sen Collins (Phone: (202) 224-2523 / Fax: (202) 224-2693),
Sen Snowe (Phone: (202) 224-5344 / Toll Free: (800) 432-1599 / Fax: (202) 224-1946),
or Sen Brown (of MA, not OH) (Phone: (202)224-4543 / Fax: (202) 228-2646)

Tishala
Member

08-01-2000

Tuesday, July 06, 2010 - 12:07 pm   Edit Post Move Post Delete Post View Post Send Tishala a private message Print Post    
Oh and because Congress is in recess right now, it might be effective to contact them at their office in their home state, too. Here's that info:

Scott Brown: Phone: (617) 565-3170 / Fax: (617) 723-7325
Susan Collins: look here
Olympia Snowe: information here

Pamy
Member

01-02-2002

Tuesday, July 06, 2010 - 12:13 pm   Edit Post Move Post Delete Post View Post Send Pamy a private message Print Post    
(((Julie)))

Mak1
Member

08-11-2002

Tuesday, July 06, 2010 - 12:41 pm   Edit Post Move Post Delete Post View Post Send Mak1 a private message Print Post    
(((Julie))), I just emailed both Senator Collins and Snowe. I hope it helps, and you have my prayers.

Texannie
Member

07-16-2001

Tuesday, July 06, 2010 - 1:02 pm   Edit Post Move Post Delete Post View Post Send Texannie a private message Print Post    
Julie, if you have a 401K, you can withdraw from it. It sucks cause you do have to pay a huge penalty at tax time, but that might be better than losing your home.

Julieboo
Member

02-05-2002

Tuesday, July 06, 2010 - 1:06 pm   Edit Post Move Post Delete Post View Post Send Julieboo a private message Print Post    
Yep, I have that thought in my head Annie, but then I think why throw the only lifejacket I have into the sinking ship? I forget the % they take, and it is HUGE for early withdrawl. WOuldn't we just be better off foreclosing -- or would they take the 401 at that point???
----

MAK1, THANK YOU MORE THAN YOU KNOW!!! Seriously, thank you!!

Julieboo
Member

02-05-2002

Tuesday, July 06, 2010 - 1:07 pm   Edit Post Move Post Delete Post View Post Send Julieboo a private message Print Post    
Tish--thanks for the tips!!! We do appreciate them!!

Escapee
Member

06-15-2004

Tuesday, July 06, 2010 - 1:36 pm   Edit Post Move Post Delete Post View Post Send Escapee a private message Print Post    
Personally, I'd take what I needed out of my 401k and risk the 10% penalty to save my house, equity, and not uproot the kids. Just my

Karuuna
Board Administrator

08-31-2000

Tuesday, July 06, 2010 - 1:45 pm   Edit Post Move Post Delete Post View Post Send Karuuna a private message Print Post    
Julie, they can't take your retirement funds if you declare bankruptcy.

The penalty is 10%, plus the company holding your plan must hold back 20% in backup withholding and pay that to the feds on your behalf for tax liability. They do NOT withhold the 10%, you will owe that at tax time. However, if you have no income, and they've already paid 20%, you may end up at a wash, or getting the other 10% back. If that makes sense.

That is, IF your plan allows for hardship withdrawals. Some do not, in which case, you can't get the money anyway. If you are no longer employed by the company holding the 401k, you can roll it over into an IRA, and then you can withdraw the funds, however. Same taxes and penalties apply.

Some 401ks allow you to loan money to yourself, generally at prime plus 1%. But I'm guessing since you are not currently employed by the 401k holder, that would not be permitted.

Costacat
Member

07-15-2000

Tuesday, July 06, 2010 - 2:14 pm   Edit Post Move Post Delete Post View Post Send Costacat a private message Print Post    
Just FYI... a foreclosure does not equal a bankruptcy. The two are very different and you can do one without the other.

Texannie
Member

07-16-2001

Tuesday, July 06, 2010 - 5:08 pm   Edit Post Move Post Delete Post View Post Send Texannie a private message Print Post    
Julie, if you have a homestead law, your house may be protected if you declare bankruptcy. like cost said, bankruptcy is very different than foreclosure. have you talked with your mortgage company to try to work things out?