Life your Life......
Jasdip
7 years ago
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caflowerluver
7 years agoanoriginal
7 years agoRelated Discussions
Apricot bloom for the ":Rainbow Bridge.."
Comments (22)Hello Everyone!!! You all are simply the best group of garden friends.. I have made so many friends here and i am constantly amazed at the way you all help us all in so many ways. Not just for me, but for others as well. A close group that is willing to help out in any means they can. This also includes other things that may not include Plumeria... Mike.. Thank you!! You are so sweet as always!!! So glad to know you!! Mindy.. I remember talking to you for the first time and i always remember the first time someone responded to me. I always want people to feel welcome just as they did for me when i first came here. Sometimes it feels like it is hard to get a god feel on people, so i always like to help as much as possible and i remember that you followed our advice and now look how you grow!!! : ) I am so proud of you accomplishments. Thank you for you kind words.. Hi AL.. Thank you for your continued support. You have had this loss as well and i know you understand the pain that comes with losing a best friend. ALl i can think about is that he will be there at some point waiting.. Thank you for all that you do and for your kind words. I do appreciate them very much. SImi (George) You have helped me in so many ways with your beautiful story of Riley. I read that story before i had to put down Pep and it gave me so much strenght as well as a sence of peace that i can't explain. I will always be grateful for you reaching out to me. Thank you so much!!! Ill be waiting on that "Rainbow Bridge" Mahalo!! Sarah... i can tell you are a sweetheart.. welcome to our forum and i am so glad to see you post. Thank you for the kind thought for me.. It will take time, but all will be fine. He is at peace...(i am the one that isn't at peace!!!) Hi Dave... My hole will be filled by the love of my Grandson.. you are so right, but it is hard. I guess the tragic way he left and it was so sad to see him like that was the difficult part. Brad wanted to wait, so i had to deal with him and take care of Pep when he was not feeling good. I finally made him see that it isnt about us, it is about them.. so we finally made the decision. He went peacefully in my arms just like any other night... Thank you.. Give Katie a squeeze.. Hi Jen.. it did make me feel good to know that he was relaxed and not afraid. I was worried, but i held my head up as much as possible to do this for Pep. Hardest thing i have ever had to do beside talking my father into letting go when he died from cancer.. oh, the pain. ANdrew,,, You are so sweet and i know you would do anything for me. ai appreciate that very much. I want you to feel better and get strong for your surgery next month. I will be fine, i just need to heal my broken heart. My good friend says that it can take awhile, we just do the best we can and remember the good times.. that is what im doing.. Thank you so much!!! Emily... Thank you for the wonderful kind words of comfort. You are so sweet and i miss seeing you here. Please keep in touch!! ; ) Angharand.. You made me tear up with your beautiful post. Thank you so much.. I hope to see you around here more often. Mahalo!! Thank you Wendy... ANother "sweetie" I have finally realized that i did make the right decision.. my DH kind of made it difficult because he wanted to keep him longer than he should have. I had to convince him that Pep wasnt happy when he couldnt do anything for himself anymore. What kind of masters woud let him live like that? aNot me.. i loved him to much to see him suffer like that. Hard choice, but the right one.. Thank you!! Thank you Butterfly4u.. your words are very comforting and it makes me feel good that you posted just to say hi!! Kindness shows when you just say what is on your mind.. so thank you for taking the time to say what is needed.. it does help me. ALl of your kind words have helped.. I can see the ones here that have posted that are truly special.. Thank you for everything!! It means so much to me. xoxoxox Laura "Thank You" for all of the kind and supportive words to help me deal with lossing my dear friend. It is still hard, but to those who have animals, we all know how close and what love they give and they never ask for anything in return except for good ole love... My Plumeria Protector will be outside watching over all of my garden form now on... I love you Pepper!!...See MoreWhole Life vs Universal Life Insurance?
Comments (21)Depending upon your life situation (if you need insurance at all, some don't), a person should have anywhere from 4 to 7x their annual gross income in total life insurance. Life insurance, BTW, passes tax free to the beneficiary although it is counted in the total value of your estate for federal estate tax purposes. Wealthy people get around this by setting up ILITs (Irrevocable Life Insurance Trusts). As an Exec Asst for salespeople, I worked at CIGNA insurance for 13 years. I also worked at an independent CFP's office for 18 months, who was both a broker and insurance agent. I would recommend level term insurance - in fact, the CFP I worked for refused to recommend anything else unless the policy was for tax planning purposes, in which case he recommended Universal Life. Annual renewable insurance costs much more over the long run. Mortality statistics have improved so much that term insurance is quite simply, the most economical choice for just about everyone. And level term insurance means your premium will never change, regardless of your health situation, for the entire period it is in force. Insurance companies make a lot of money off whole life and even universal life policies. With the decline in the stock market, the advantages of universal life have suffered compared to straight term insurance. Never underestimate what long-term inflation does to cash values. It hasn't been that long since people thought $50K or $100K was a lot of life insurance - but these days, $100K buys very little if your family is trying to live off of it for the next 15 years, or trying to send two kids to college and grad school. Pick the longest term that takes you to retirement age. Most people GENERALLY do not need large amounts of insurance after they retire, but YMMV. Disability insurance, if you are not covered at work, is extremely useful up until the time you retire. But the underwriting standards are extremely strict right now, unlike life insurance underwriting. It is virtually impossible to get a policy for more than 60% of your last two years' income (verified by copies of your tax returns) even if you are in good health. In contrast, I am a standard risk, NOT preferred. I have $750K of life insurance for less than $80/mo that was purchased a few years ago when I was over 50. One is a 15-yr level term, and the other is a 20-yr level term. I have them for estate planning purposes. If I were to try to purchase whole life or universal life in that amount, the cost would be astronomical....See MoreQuotes 7 - 6 - 16
Comments (1)Love Leonard Cohen, he's a poet who sings with a gravelly voice and his words are beautiful. You made my morning, Don, thank you....See MoreQuotes 11 - 12 - 16
Comments (2)RIP Leonard Cohen. - you will be alive as long as your poetry/music is heard and your name is mentioned. Just as all the great artist live on in their work....See MoreJulie
7 years agonanny98
7 years agophoggie
7 years agoSue_va
7 years agoAmazing Aunt Audrey
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7 years agonicole___
7 years agoravencajun Zone 8b TX
7 years agolinda_6
7 years ago
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