Sunday, October 31, 2010

Does SBI include e-newsletters?

by Fern
(Creston, BC, Canada)

I'd like to learn more about creating e-newsletters and I want to build up networking skills. Does SBI include building and distributing e-newsletters?

Wendy: SBI does it all... and I know darn well I'll sound like an SBI cheerleader here, but I can't help it.

The Action Guide (manual) teaches you all about websites... step by step, finding the right keywords, writing pages, getting readers, networking with other sites and your visitors, doing your e-newsletter.. and a whole lot more, including building an income.

Really -- this IS an e-business. I earn an income... so it's work after retirement, but it's also FUN FUN FUN (to me) and it's my extra retirement income too!

If you have any questions, just ask, or write to me personally using the "Contact Me" button to the left!

p.s. I started a new website today -- FUN FUN!

www.merry-christmas-guide.com


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Can you take a 401(k) withdrawal before you retire?

Currently, withdrawals from 401(k) plans are very high. In a down economy such as the one most of us face today, the need for questionshort-term money often trumps ideal long-term planning. Like with a regular IRA, you can get your money anytime from a 401(k) plan, since it is your money. (An exception to the general rule is matching contributions which have not yet vested.)

Prior to withdrawing money from your 401(k) plan however, understand the implications of an early withdrawal. Consider alternative funding sources.? If you're still employed, for example, contemplate a 401(k) loan.? Do you research, starting with the answer to the FAQ: Can I withdraw money from my 401(k) before I retire?


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About Me: Durgesh Kumar Srivastava

In these blogs I write about my life experiences, mostly relating to my adolescent years (1950s) and my later years as a University college teacher at different places in India.

I write these blogs to fill the current vacuum in my life that has arisen since my triple bypass open heart surgery in mid August, 2010. I am now convalescing at home. The Internet is my window to the world.

Through these blogs you can have a first hand feel of the life and culture of India and its people. English is my second language. My first language is Hindi. Kindly do not mind the clumsiness of my writing, grammar and spellings.

I was born on 22 February 1943, at Allahabad in north central India. My early upbringing and education up to University Post Graduation was at Allahabad. I have had a very happy childhood. I now live in New Delhi, the capital city of India. I am married and my two sons are grown up and independently well settled. i have three grandsons - 15 13 and 7 years in age. i served as a University college Reader in Commerce and Management for 40+ years.

I have had a variety of interests in my life - Hindi movies, Hindi film music, nature, travel and sport. But now at age 67+ my interests are day-dreaming, making castles in the air, gossiping, sending and receiving long e-mails and generally talking of nothing in particular. I like wit and humour and kids. I love to tell stories of my life and to hear your stories. Whatever interests my e-pals interests me. Unfortunately, my wife of 44 years' vintage shares none of my interests. She lives in a world of her own under the same roof and i let her be, giving her space and all liberty.

You will know me and my nature if you go through the archives of our group websites and read some of my blogs. i will continue to post my blogs on the two websites and request you to peruse these when you have the time and mood and send to me your critical comments. One request - please write to me in large fonts when you e-mail me.

We here have just gone through a month of heavy rains. Extremes of weather are a common feature of life in this city. The weather is mild now in time for the season of many interesting Hindu festivals. The children are very happy. When the children are happy, I am very happy too.

i took out my 20 year old car for the first time in two months since my surgery. My grandson Chhota (7) sat next to me. in a one hour drive he asked something like 200 questions. i patiently answered most of them, many untruthfully just to please him. Chhota addresses me as BABA. All the children of the locality (even many young and beautiful maiden) address me as Baba. That is fine with me.

My views are quite different from the views of others. I do not consider children as intrusions. I welcome them on my lap. If you talk to me at the same time as Chhota, I shall give first priority to Chhota.Colleagues would often ask me what is the greatest joy in life. I would answer - parenting, and then add - grand-parenting is even better. That is why DENNIS THE MENACE is my favourite cartoon strip.

Please do e-mail me (in large fonts) when you are in the mood. Please write a long e-mail. i shall welcome it.

Regards, Sincerely,

(Mr.)Durgesh Kumar Srivastava)

Durgesh (my first name)(you can call me DK)

New Delhi, India, 30 Sept. 2010

Email: JiBhaiya@gmail.com


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Saturday, October 30, 2010

Low Income Senior Apartment, <br>not so great...

not so great..." readability="114">

by Pam
(Mt. Clemens, MI)

The balcony crumbling

The balcony crumbling

The rebar rust

The rebar rust

More balcony crumbling at joint

More balcony crumbling at joint

Bathroom vent

Bathroom vent

The balcony crumbling The rebar rust More balcony crumbling at joint Bathroom vent

Okay, so I found what I thought would be a great little place for quite a while.

Actually the apartment is cute at first viewing, one bedroom, living room/dining area combined. Really too small for living room and dining area but nice for LR. Small kitchen, but great for one person.

However the appliances leave something to be desired, the stove is a Caloric and 16 years old, parts broken, all scratched up on dial panel, timer and clock not working and they can't fix it, frig is just as old as stove. It has a huge balcony, goes end-to-end of the apartment. That is great!

Bathroom is good sized for a one-bedroom place. Shower, tub, the usual stuff in bathroom.

Things I noticed I did not care for: The sink/vanity has no drawers, or cupboard below it, so you have to get a shelf or small table for the bathroom. The carpeting, although it was new when I moved in, is indoor/outdoor carpet not pretty, but well-padded due to floors being cement. The walls between the apartments are concrete, so it is somewhat soundproof. Huge gap under the entry door to the apartment. All closet doors are metal, all the shelves in the closets are metal, and some are rusted at the hinges. There is a huge doorwall to the balcony, and one large window in the bedroom. They were not easy to open or close, so they told me just use some WD40 on them? Huh? I thought that was their job.

There is a small vent in the bathroom, that is so caked with stuff, dirt etc., that you cannot see the inside of it.

During a severe storm a few weeks ago, the ceiling in the living room leaked so badly I had to cover my computer with plastic, it leaked from the seam at the doorwall ceiling, and in the bedroom, it leaked from the middle of the room at the seam to the floor, and all over my bookshelf and books. The bedroom window tracks were clogged, because the water poured in under the windows to the floor.

Needless to say, I was not a happy camper. So, I reported it to the management team, and they sent the maintenance person to my apartment. She showed up with the cleaning lady, and they actually had the audacity to stand in my apartment and tell me that it leaked from the wind shears directions. That the force was so strong it caused leaks?? Huh? Concrete does not leak, or at least it is not supposed to.

So, I go out to the balcony, and the concrete is compromised, it is crumbling, and chunks missing, and rust stains down the sides of the white walls. Rust stains are from the re-bar rusting. Something is seriously wrong here. My move-in inspection was the whole front of the list and the entire back of it.

So far, to date (9/05/2010) they have only fixed one thing, I fixed two myself.

I could go on and on, but why? The reason I am writing this, so if you are looking for a place to live, look closely, check the ceilings, the doors, everything! You will be living there, if you are not happy with it or even a little bit hesitant, don't sign anything, keep looking. I wish I had!

So, in closing would I pick this place again, no. I would certainly look closer at the apartment before I said I wanted it, like for leak spots on ceilings, rust, etc. So, I am currently applying for residence at three other places I have seen, so by the time my year here is up I can move out.

The name, I am sorry to say is Park Place Towers in Mount Clemens. I would not recommend this place to anyone.

On a scale of 1-10, I rate it a low 1. On top of all of that, I have only been here 1 month!!

Wendy's Two Cents: Pam, Believe it or not, that is the same low income senior apartment that my father lived in, we loved that place! I wrote about it (but didn't name it) on my website here!

It sounds like it's falling into disrepair, he had no leaks, though I do remember the balcony was crumbling a little bit.

Dad died in December 2005, so its been five years since I've been there... I'm kinda not surprised as so many organizations just don't have the money to do things like they did a few years ago. It's a tough economy out there,....

You might try the Macomb County Senior Citizens Dept. Call to see if they can help, or scroll down the page and click on Senior Housing for a huge list of senior low income apartments!

Best Wishes!


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Retired Teacher's Story

by Diane
(Wisconsin)

It was very recent that I had retired. All my life I have been working as a school teacher. I really loved my job.

I loved teaching children, watching them grow, and generally being an active citizen of my community. It was upsetting, though, as I got closer to retirement age because I loved my job so much.

I really have never been one to have many hobbies so I was really feeling a great deal of anxiety because I didn't know what I would do without my job.

When I was preparing for retirement I was trying to come up with things to do during it. I was thinking of perhaps taking up gardening or something on that line. I had always wanted to learn to grow my own tomatoes and cucumbers and it would probably be an excellent time to take up the hobby. I thought so anyway.

Thankfully during the rest of my life I had never been much of a spender. I had a large safe full of money I had saved my whole life. I also had a very large retirement plan so financially I was very stable. I just had a lot of trouble getting use to the idea physiologically.

Last year was the big yeah for me - it was the year I finally retired. I sat around the house all day, not really doing anything. I would clean a lot. I think that at that time I became a bit obsessive compulsive over cleaning because I had nothing else to do.

Over time my family have helped me become a bit more comfortable with my retirement. I do miss being in my former workplace. I miss seeing the children's faces.

At the same time I still feel like I've had a very rewarding career and that I could probably use this time of rest.

Thankfully I am still able to see former students on a daily basis. I pass them by everyday in stores and other establishments.

I am very happy about my retirement even if sometimes I do get the blues.


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Artsy Retiree makes Creative Greeting Cards

by Phyllis
(Middleburg, PA, USA)

Happy Sunflower Day

Happy Sunflower Day

I make beautiful creative greeting cards using artwork I've obtained from the internet or magazines and my own special poetry.

I match the poetry not only to the picture but also to the person I am creating the card for.

People that have received my cards think they are beautiful and have wonderful sentiments inside.

I can create any kind of card be it - birthday, thank you, illness and/or holiday cards. Each card is a work of art and each card is completely different from the next.

This is one of the ways I have used to feel alive during my retirement.


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Forced Retirement at age 58

by Jan
(Houston,TX)

I have been divorced for many many years and have two sons in their twenties who live in excess of 200 miles from me and while we are close they do have their own lives. I have no other family.

I was beginning to think of retiring in five years or so when, to my shock, I was not only forced to retire but treated very badly by my employers of eight years... after being considered the best in my field for many years.

I have been prone to anxiety /depression for many years but otherwise have good health. This saga began in May 2010 and I have had many ups and downs.

The anxiety is currently on the increase. I have tried many meds and therapy with little positive effect in the past so I have minimal confidence in these avenues.

I did not have the luxury of planning a retirement and as a public school employee have limited financial resources.

I do not miss the work because of the shabby way I was treated. I am just feeling lost and alone. I do wish I could handle the anxiety better.

Wendy: Jan - this happens to so many near retirees, and in today's economy, more than ever. Please consider joining my Retirement Transition group - all new retirees like you, all figuring out who they are and what to do next. Click on email groups to the left... or contact me and I'll add you to the group.

I think this group might be able to put this transition into perspective for you... they are living it too!


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