Tuesday Review: The House Bunny or Anne of Green Gables

I told you I was going to relax on weekends.  I got bored on Sunday when my husband went to play poker, and he hates these stupid girlie type movies, so I decided to treat myself to an afternoon of mind trash.  I watched the dumbest one first, once I figured out how to turn on the tv.  I don’t watch tons of tv, and Vince has it going all day so usually when he is gone I take a vacation from ON.  This time, he wasn’t here, so I had to turn it on by myself, and I pressed something wrong, and I got fuzz.  It’s a long story, but I gave the tech guy at Dish Network a great rating with his boss.

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I’m kind of fascinated with Playboy bunnies.  I have watched several episodes of the reality series “The Girls Next Door”.  My conclusion to that was wondering how anyone that age could WANT only to have their own dinky BEDROOM to share with a little dog, an old man, tons of other women that age, and spend all of their time at a beauty parlor, and shopping.  It seemed so ridiculous to me that I couldn’t help watching to see what the attraction could possibly be.  On top of that, what mother would want that for her daughters?  One mother on that show clearly did, and the older daughter even became the role model for the younger.  I never found out what made that life so appealing, so I only watched it a short time.  But I digress….

House Bunny Poster 2008

Shelly, the out of work Playgirl, who starred in this show, brought a dumb blond innocence that was as unbelievable as it was fun to watch.  Like the star of Anne of Green Gables, she believed that everyone could and should be successful, wonderful, beautiful, and overcome all the obstacles that life threw in the way.  Every girl overcame their problems – even Shelly.  They conquered the bad preppy queen who was mean and underhanded, and charmed everyone.  Each girl ended that wanted to ended up with the guy of their dreams.

In reality it was almost the same story as Anne of Green Gables, except that Anne wore skirts down to her ankles, and the only skin you was were the backs of her hands and her face.

Anne of Green Gables

Like Shelly, Anne was an orphan who needed a place to stay.  She was so beautiful that everyone either hated her or loved her.  She was clever and even won her enemies to her side, converting them to friends.  Shelly only missed one bad girl, and if the movie had continued, I’m sure that girl would have been a Playgirl convert as well.  Anne of Green Gables was a series, so she had lots of opportunities to bring people around to her side.

Trixie Belden

I was as enchanted with these shows as I used to be with Trixie Belden and Nancy Drew solving mysteries.  The truth is that I would like to be so clever that I could take every obstacle thrown in my path and turn it into an opportunity.  I would love it if I could win everyone over to my way of thinking (which is YOU are a winner and so am I).  Of course they (male and female, young and old) would fall madly in love with me, but only because I helped them to be successful at whatever creative plans they had for their lives.  And obviously I’d be beautiful, charming, smart, witty….

Vicariously I achieved all these dreams for my life in just a few short hours of watching tv.  The next day I felt terribly depressed.  Somehow my reality did not measure up.  So will I binge watch next weekend?  No, I’ll read proposals for our spring conference for California Council for the Social Studies, and help with the layout for our 2014 program.

Majesty of the law

I might even finish reading Sandra Day O’Connor’s book, The Majesty of the Law:  Reflections of a Supreme Court Justice, so I can write a review about a true heroine next week.  I ran out of time this week – oops now you know why! 🙂  Hope you have a great week.

For a great review of a true heroine, Margarete Steiff, visit my friend Ute.

Monday: Ask Marsha: Folks On Yahoo Want To Know

I don’t spend a lot of time in Yahoo, but I clean out my Yahoo email once in a while.  Today I came across the greatest section.  People write in questions.  I think I live on another planet than most of those who are so full of curiosity that they write into Yahoo.   Thank goodness for them, they are anonymous!

Mona Vampire

Concerned Inquisitor:  I need a spell to become a vampire.?

Marsha:  No, you don’t need a spell, you need a grammar and punctuation check!

Concerned Inquisitor:  How do I level up on yahoo answers?

Marsha:  Go to the hardware store.  Purchase a tool called a level.   Place it on the questions, and watch the bubble.  When the bubbly gets to the middle, you have leveled up the question.

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Concerned Inquisitor:  Does marriage change anxiety???

Marsha:  No anxiety is the same as ever:  “an unpleasant state of inner turmoil, often accompanied by nervous behavior, such as pacing back and forth, somatic complaints and rumination.” Wikipedia

Concerned Inquisitor: Is Uta no prince sama a good anime?

Marsha:  Sorry, I need a translator for this one!

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Concerned Inquisitor:  is smoking harmful for sex?

Marsha:  I don’t think so.  My brother has smoked since he was 13 and he’s still a male.

Concerned Inquisitor:  How do I explain 0.51?

Marsha:  Boy, that’s a tough one if you are explaining it to someone under about 2. Most kids younger than two don’t share very well.  If your are concerned about stock, and company control, yours is probably the 0.49 number in the will.

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Do you have a question for Marsha Lee?  Your question is definitely better than these!  I wonder if that’s Ask Yahoo’s spam folder.  hahaha  Have a great week.

Friday: Nothing Sordid Here

Not even sordid weather can make a sordid story for this Friday.  Vince took this with his iPhone 5 just a few minutes ago.  I didn’t do anything to it.  He already has 4 likes.  Who gets UP THIS early!  That is sordid!  🙂

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Have a great Friday!

Thursday: News From Manny

Dear Mom,

Ralph’s letting me use his computer.  He has Dragon, so I’m just talking.  Ralph checks my spelling, too.  Are you proud of me?

This is Ariadne.   Her mom is Toni.
This is Ariadne. Her mom is Toni.

I have some new friends here in Spain.

I think Ariadne like me.  she made me a hat and a necklace and a flag.  Do you think she does, Mom?
I think Ariadne like me. she made me a hat and a necklace and a flag. Do you think she does, Mom?

 Everybody is so nice.    I got a new hat.  Do you like it?  I might be in love with Ariadne.

HPIM3743

I don’t remember the boy’s name.  Do you know it, Mom?

HPIM3744

He finally held me.  He’s nice too.

HPIM3745

Love, Manny xoxox

Dear Manny,

Mommy and Daddy miss you so much!  It is good to get a letter from you.  Your friends look really nice.  I’m not sure the little boy wanted to hold a teddy bear, but you won him over, just like you do everyone!  I’m sorry, I don’t know his name either.  You have to tell me things before I know them!

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Manny, I want to ask you about the pictures Ralph sent last week.  Do you want to tell Mommy about the vacuum cleaner?

Love, Mom  xoxox

Dear Mommy,

It was too scary.  I don’t want to talk about it.  I have been a good boy ever since then.  Star and Fanny taught me safe places to go in the house when Ralph’s vacuum cleaner is on.

Love, Manny xoxox

Dear Manny,

Vacuum cleaners are scary, and that one is different from Mom and Dad’s vacuum which you already knew about staying away from.

Ralph sent me some pictures of you at the party on Saturday night.  

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Things are different in Spain, honey, and I know that you had a bit of alcohol.  You be sure to tell Ralph that you need lots of water in your drink.  I noticed that you got a little carried away.  

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Remember that you are a big boy now.  You are old enough to travel without Mom and Dad.  

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There are some things that you can’t do any more like you did when you were a baby.  Ralph can teach you about those things.

OK, big boy.  Remember Mom and Dad love you.

Love, Mom xoxox

 

Tuesday Review: Eight Annuity Options, Which One Is Right?

When you pass the age of 59.5, you have the opportunity to cash in on all the hard earned 403 B money you put away for retirement.  A given is that life expectancy is 84.5 years.  Did I forget to mention that you need to know how long you are going to live in order to figure the best payout option for you?  hahaha  🙂

Ah the good life!
Ah the good life!

With an annuity the financial institution safely holds all the money that you have saved over your lifetime.  Each month they send you a monthly dole based on how long you want to keep getting money. Today I found out that there are eight options from which I could choose to be paid.  The first two are not actually annuities.  It is very confusing, and my husband has been reviewing our options since we came home from our meeting with our financial advisor four hours ago.  This is what we figured out.

anuity options3

Payout Option 1  Do Nothing

With this option you have saved money over the years, and the annuity company holds that money.  When you want to use YOUR MONEY for something, if it has been with the company for long enough, they will give it back to you.  In my case, that time period is 10 years because I don’t pay a fee up front (other than the 1% they take from everyone as a processing fee that doesn’t even show up on your statement.)  So if you want to go on a vacation, you contact the company, request and receive the money, pay taxes on it, and enjoy.  The rest of the money stays in your account and earns money if the stock market goes up, and loses money if your chosen investment program goes down.  It’s your risk.  If you want to take out more money than you have available, then you have to pay a penalty.  If you choose to annuitize, then you pay no withdrawal penalty.

Payout Option 2  Do Nothing Except Move the Money to a Fixed Account

You still control your own money, but in a fixed account the money is not subject to the wild growth or devastating losses of the stock market.  You could take the money out as you wished, once it has been with the company for 10 years.  The interest rate right now that the company will guarantee is 2%.  I’m not sure how that is compounded.  With this option I could take the 20 year amount out, and it would last 16 years before I ran out of money.

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Six Annuity Options

Payout Option 3 Single Life Annuity with 20 Years Certain

  • All income is subject to income taxes.
  • The annuity guarantees more income than you earned, in my case about $20,000 over the 20 years.  If you live longer, of course, this amount increases.
  • You get a set income for life based a little less than what you would get if you choose to get the entire income paid to you in monthly payments for 20 years (single term).
  • If you die before 20 years is up, your beneficiary gets the lowered monthly dole for the remainder of the 20 years.

Payout Option 4 Single Term Annuity for 20 Years

  • All income is subject to income taxes.
  • The annuity guarantees more income than you earned, in my case about $60,000 over the 20 years.
  • You get a set income for 20 years paid to you in monthly payments.
  • If you die before 20 years is up, your beneficiary gets the monthly dole for the remainder of the 20 years.

Payout Option 5 Single Life Annuity with 15 Years Certain

  • All income is subject to income taxes.
  • The annuity guarantees less income than you earned, in my case about $35,000 over the 15 years (single term).  If you live longer, of course, this loss is minimized.
  • You get a set income for life based a little less than what you would get if you choose to get the entire income paid to you in monthly payments for 15 years.
  • If you die before 15 years is up, your beneficiary gets the lowered monthly dole for the remainder of the 15 years.

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Payout Option 6 Single Term Annuity for 15 Years

  • All income is subject to income taxes.
  • The annuity guarantees more income than you earned, in my case about $40,000 over the 15 years.
  • You get a set income for 15 years paid to you in monthly payments.
  • If you die before 15 years is up, your beneficiary gets the monthly dole for the remainder of the 15 years.

Payout Option 7 Single Life Annuity with 10 Years Certain

  • All income is subject to income taxes.
  • The annuity guarantees less income than you earned, in my case about $100,000 over the 10 years (single term).  If you live longer, of course, this loss is minimized.
  • You get a set income for life based a little less than what you would get if you choose to get the entire income paid to you in monthly payments for 15 years.
  • If you die before 10 years is up, your beneficiary gets the lowered monthly dole for the remainder of the 10 years.

annuity puzzle

Payout Option 8 Single Term Annuity for 10 Years

  • All income is subject to income taxes.
  • The annuity guarantees more income than you earned, in my case about $50,000 over the 10 years.
  • You get a set income for 10 years paid to you in monthly payments.
  • If you die before 10 years is up, your beneficiary gets the monthly dole for the remainder of the 10 years.

So those are our options.  How would you advise us?  What are your retirement plans?  Are you saving?  Are you investing?

Einstein