Times have been tough the last few years and many have looked to their retirement savings for cash flow. This can lead to a 10 percent penalty when it comes to pulling money out of the traditional IRA. There are, however, exceptions to the penalty.

This Medicare mess needs clarifying. Now, I don’t know if Democrats have it wrong, or Republicans have it right or vice-versa. What I do know is that politicians can make the simplest issue seem like brain surgery. I say put it all on two pieces of paper, make it simple, and don’t let a lawyer draft it, ’cause you’ll need a lawyer to decode that lawyer’s mumbo jumbo. Then send it to each and every American with a voting ballot.

Legally Blonde (2001. Reese Witherspoon gives a whole new meaning to the word ‘attorney’ in this film about a blonde girl who is dumped by her boyfriend because she isn’t ‘serious’ enough. Well, she’ll show him. She gets accepted to his law school, and starts proving that blondes don’t just have more fun, they also can take you down and win a legal case. This is a fun, provocative legal flick that is definitely worth seeing. Did I mention that Luke Wilson from Old School has a supporting role in this film? Don’t miss this legal flick.

The “system” shows cracks due to constant pressure. Insurance costs go up not only because of cost of treatment, but also because of the number of times those in the medical profession are sued. Our culture of “sue for whatever you can get” hurts the individuals in the end.

Someone brought me into the room, someone else took my temperature, Someone else took my blood pressure. The interesting thing to me is each one of the first three folks and including the PRACTICING nurse asked me the same four questions, which were in that stack of forms I filled out; I think they were testing me.

Then there are the hard time provisions that allow withdrawals without penalties. The most obvious is to pay for medical insurance vietnam premiums if you lose your job. You must have been out of work for 12 weeks. At that point, you can start drawing on your IRA to pay the premiums so that you don’t end up without coverage. You can also withdraw money to make payments related to higher education. This is particularly helpful if you are helping a child with college costs.

It is your family’s responsibility to make and pay for funeral expenses. It is their responsibility to make sure all of your debts are paid off. It is also their responsibility to make sure they can fend for themselves when you are gone. Basically, it is a rather sticky situation.

In this modern day and age American`s newest slogan is: Mom, apple pie and high speed Internet. They say you can live two weeks without food, a day or so without water ” but take someone`s Internet access away and they won`t last five minutes.