Over 50 Chat Forums

Re: Welcome to BoomBaby.org - The Over 50 Friendly Chat

Sandra — Sun, 04 Apr 2010 04:16:11 -0500

Well Boardboss, perhaps you should add another rule, and that would be one to require the boardboss administrator to make an appearance here daily and post a topic...

If you have wonder of why posts are stale dated and no new members are appearing then it's obvious this forum is going to fail...

Sandra...

Relationship...

Sandra — Sat, 03 Apr 2010 06:16:27 -0500

Altho I have years ahead to even be middle aged, I frequent to meet some elderly having lost their spouse and they discover that while they thought they were prepared and could be alone, they soon discovered also that companionship is a necessary factor of their lives always...

Does anyone wish to express their needs for or not for companionship during their elder years when finding themselves alone...?

Sandra...

Reverse mortgages...?

Sandra — Fri, 02 Apr 2010 21:39:21 -0500

Well, we hear it often enough, but is a reverse mortage good for everyone...?

No, not for everyone. The idea of not making mortgage payments and staying in your home until you die is great, but, for one thing, a reverse mortgage won't pay for full time care in your home should you need it...

Let's indicate someone is to live another ten years and now pays a mortgage of $300.00 a month, $3,600.00 a year and $36,000.00 for ten years. This person has a home value of $150,000.00 with an equity invested at 50% (75,000.00). Getting a reverse mortgage would be no problem here but dying in ten years would be outright robbery for the financier...

It would seem best to borrow against the equity, put that money in an interest bearing account and then have the mortgage payments, taxes and insurance withdrawn automatically... The estate at death will still have an equity of $39,000.00 ($75,000.00 less $36,000.00) from year one and gain back more each following year. The only difference will be having to pay the interest against the equity loan less the interest earned from the loan being in an interest bearing account...

Now, this is just an example, and does not apply to everyone. It's simply a classic example to provide reason to seek advice from more than one person...

Meanwhile, from all I have read, indications are that no company wants to give a reverse mortgage beyond 40% of a property value unless the equity is much higher...

Is it complicated...? Yes, and lenders are inconsistant. My suggestion is that if anyone is considering a reverse mortgage that they speak to their bank financial officer and also seek further information and financial terms from a financial retirement specialist...

Sandra...

Re: Hello

Sandra — Fri, 02 Apr 2010 21:12:23 -0500

David, I surfed the over50.net site and was not impressed. Yes, it has many members posting but so many posts were very old. The one thing I realized this evening, as this is my first experience in a forum, is that if having too many members, postings can accumulate tremendously on an individual topic which means having an awful long list of postings to go thru reading and so many postings say the same thing...

I do wish your endeavor to grow and am sure it will if you can get some advertising out beyond just surfing...

Sandra

Re: This time for sure.....

Sandra — Fri, 02 Apr 2010 21:00:17 -0500

Hello BB, David, Eva...

I am the newest, no doubt, and this is my first venture for an internet escape of personal intertainment. More about that later, I am sure...

I thought a forum ideal and have been out of my wits this evening from viewing so many and this forum appears to have real sensible people posting and, most difficult to believe, so many posts are recent and not several years old...!

Sandra...

Re: Medicare and Doctors

Sandra — Fri, 02 Apr 2010 20:50:02 -0500

Yes, there will be some changes in Medicare "and" Medicaid because some of the benefits provided will be transferred over to Obamacare.

Physicians, clinics, hospitals, etc., will be filing claims, as usual, but cost factors (pricing) will change and the government will be subsidizing payments to those facilities as well as insurance companies and drug companies accordingly.

Even now, perhaps most people are not aware, those that are using Plan D, the prescription drug plan is being subsidized already by the government. In other words, what a person is paying for a particular prescription is not the full cost of that prescription. Insurance companies are getting the "above your cost" amount in subsidy...

At present, Obamacare has a long way to go, 2014, and then it will need debugging, we can expect some suffering situations. There are some changes in affect this year regarding the plan and we can also expect them to require debugging, especially with the Medicaid provisions...

I personally was wishing for socialized medecine but as much as I don't like this Obamacare, it does provide some very beneficial improvements, especially for so many un-insured. What I don't like is that it does not reign in the power of the insurance companies and drug companies whom still have the ability to raise prices...

Sandra...

Hello

denimjeans — Sun, 28 Mar 2010 16:38:20 -0500

Just want to say Hello to the group. Look forward to hearing from you or joining you for chat.

Re: Medicare and Doctors

Eva Pasco — Tue, 23 Mar 2010 15:38:18 -0500

David,

You have raised an interesting point. Er uh...right or wrong, I'll worry about Medicare when I get there. Since you raised that concern, the new health care bill was passed. Let's hope.

Re: This time for sure.....

Eva Pasco — Tue, 23 Mar 2010 15:36:28 -0500

Boardboss,

May this forum soar!

Re: Thinning Hair and Chemicals

Eva Pasco — Tue, 23 Mar 2010 15:35:14 -0500

Dawn,

As you probably already are aware, we can also have our hair cut and styled to appear thicker as well. What hairdo may have worked for us in the past may no longer be viable. There are also hair extensions--strands, really, that you can discreetly clip in your hair. You could discuss this with your stylist. I've seen women in my salon have them inserted.

Re: Hello

David — Mon, 22 Mar 2010 23:01:30 -0500

Hi Chantelle,

Welcome, and thanks for the good wishes. This is about the 4th iteration of this particular site - but over50web.net - the sister website - has been very popular.

Feel free to stop by and let us know what's on your mind!

Hello

Chantelle — Fri, 19 Mar 2010 05:18:58 -0500

I wish you well with the setting up of your new forum, and with the commitment that you are showing I am in no doubt that it will be a great success!.:)

Medicare and Doctors

David — Fri, 12 Mar 2010 09:23:29 -0600

I have a friend who works in a very well known medical center, and I did't believe it when she said a lot of doctors may stop accepting Medicare because of the pay structure.

But now I saw a spot on the news about the same subject. What's going on here? Do we need to worry that by the time we get to Medicare age (if not there yet), it will be almost useless. This is scary.

Re: This time for sure.....

David — Fri, 12 Mar 2010 09:21:07 -0600

Just teasing you, BB!

As frustrating as it is to those of us who want this over 50 community to get off the ground, I know it is more frustrating for you.

Retirement Planning Panic

David — Fri, 12 Mar 2010 09:19:50 -0600

OK, so who else is in a panic about retrement planning? I'm 50+, had some setbacks, and am way behind what any rational planner would suggest.

Do I just accept an impoverished old age? Should I try to marry well?

Any tips on catching up after 50?

Too Old For Crushes

David — Fri, 12 Mar 2010 09:17:45 -0600

Well, I'm a guy, but I'm going to post this anyway? How old is too old for crushes? Is it 14, 24, 54? Do we ever outgrow this, or am I just as emotionally backwards as my ex claimed?

My darling, the relationship goddess, posted about midlife crushes here.

I know the boardboss mentioned the relationship goddess on her relationship recovery post, but I'm not sure we've covered this topic.

Does Soy Milk Help Us Lose Weight?

Dawn — Fri, 12 Mar 2010 08:41:12 -0600

I've been drinking a product called "Slender Soy" the last week. It is soy milk that you find in the health food section of your grocery store. It comes in vanilla and chocolate, and has no added sugar. I like the vanilla. The chocolate is great!

I think it is really helping me lose with by making me feel fuller. I haven't been able to find any facts on this, but I wonder if anybody else has used this as part of their diet strategy.

It is sort of expensive, compared to regular milk, but no completely out of line. At my store, a 2 ounce carton is about 2.99.

Re: Thinning Hair and Chemicals

Dawn — Fri, 12 Mar 2010 08:37:30 -0600

Well, I think our hair does change as we age. If you think you have developed a sensitivity to chemicals in your hair products, it could be time for a change.

My own hair is thinner than it used to be.

Look for some natural shampoo like Belegenza to see if it helps. It is, of course, natural to lose some hair every day. But our body should be replacing it with new growth. That sees to slow down as we get older.

Thinning Hair and Chemicals

MariC — Thu, 11 Mar 2010 09:18:36 -0600

I notice that my hair is a lot thinner after menopause. Do you guys think this is part of the natural cycle of aging? Can something be done?

Also, do you think that chemicals in shampoo and conditioners can actually aggravate this?

i.e. .... Sulfate and Hair Loss

I know I'm asking a lot of questions, but have any people had success with products to slow down or stop hair thinning?

Re: This time for sure.....

BoardBoss — Wed, 10 Mar 2010 09:57:02 -0600

David, nobody is more frustrated than I am. I just could not get the other scripts to do what I wanted without so much trouble it just wasn't worth it. Anyway, I like this simple - but functional - script so far. It isn't perfect, but it seems to work.

This time for sure.....

David — Wed, 10 Mar 2010 09:54:33 -0600

OK, I know I said that a few weeks ago. Boardboss, let's home you stay satisfied with this forum script because I really want this community to work for us!

Anyway, I know you've been working very hard. :)-D So, I'll say it again. This time for sure!

Welcome Aboard

BoardBoss — Wed, 10 Mar 2010 08:03:10 -0600

Welcome aboard. This is a very simple forum. We have installed it to continue discussions on Over50Web.net, and also to start new discussions.

Make sure you check the announcements once in awhile. Especially look at the rules. They are simple, but they are important.

Welcome to BoomBaby.org - The Over 50 Friendly Chat

BoardBoss — Wed, 10 Mar 2010 07:46:41 -0600

Pleae read this so we can all just get along. Our goal is to make this a friendly over 50 community forum. We are associated with the Over 50 Website, so you are welcome to post about topics you find there too.

RULES

1. Keep it friendly. This meas we do not tolerate any hate speech, obscene content, etc. We do believe in freedom of speech, but we also believe we have the right to control this forum.

2. Do not get overly promotional. If you are a participating member, we will let you drop a link in a post if it is in the context of the topic. You are also allowed to use your signature line to promote your own website (if it follows rule 1). Again, the admins of this forum get to decide where to draw the line.