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Sep 1 09 12:45 AM
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Sep 1 09 3:02 AM
Sep 1 09 6:53 AM
Sep 1 09 7:06 AM
Sep 1 09 9:44 AM
Sep 1 09 10:23 AM
Sep 1 09 10:27 AM
LOST IN THE OZONE wrote:
"rolling the dice in today's financial market."
That is a mistake to invest while thinking of todays market. If you look at the history of the market, it always come back. If you can't stomach the ups
and downs of the market, you should not be in it. If you can, ride out the storm and keep investing. In the long run you will come out ahead.
Sep 1 09 4:55 PM
Sep 1 09 4:56 PM
The point is if you dont take it and get hit by a car or die some other way your family gets NOTHING. Yes you may have purchased a 1,000,000.00 policy and
they will get that but WHAT about all the money you paid into the pension for 20 some odd years.....the city takes it. If that is ok with you then leave it.
If you trust that this city sometime in the future will not change or make laws that benefits itself at the expense of our pension fund, leave it. I trust
the city with nothing. After all these years on this job I'm gonna trust them with my retirement funds??.....thats a laugh riot. You can invest in very
safe things or not at all, but if i croak my family will get what I earned, not a penny less. You want a higher monthly, so be it. Easy to say now, your
alive and well, but if you died within the first couple years, your family gets nothing of what you earned supposedly for them.
Sep 1 09 5:44 PM
Sep 1 09 6:32 PM
The BLT wrote:
If you live, which 99% of us do, you never pay back that loan. So if you takle 100,000 grand in a final loan and that costs you 700 a month, after 12 years
your pay the 100,000 back but then you start to pay the city 700 a month till you die. For every 10 years you live after that thats 84,000 dollars. Thas a
net gain of 16,000 grand. If you live another 10 then its a net loss of 68,000 dollars.So you borrow a hundred grand and pay back 168,000 grand. Remember
your not giving anything back to the city if you do not take it. You get a higher monthly payout. Its a personal choice, but if I could do it over again I
would not take it.
Sep 1 09 11:48 PM
Sep 1 09 11:56 PM
Sep 2 09 2:25 PM
7300 Days and Out wrote:
Will the life insurance company be solvent when the time comes to pay your beneficiaries? In the current financial mess, I wonder. I hope so, but I wonder.
Sep 3 09 8:38 AM
Sep 3 09 12:44 PM
Sep 3 09 12:55 PM
Sep 3 09 1:38 PM
Except CD returns right now are at 1.9 %.
And, the reality is, if the money is there, eventually you will spend it..
Sep 3 09 2:00 PM
Sep 3 09 2:03 PM
Sep 3 09 2:57 PM
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