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Old 02-19-2015, 12:08 AM   #1
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Glenn's split RETIREMENT

Anybody that get's an earlier ETI build... SCORES! Make memories!!!
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Old 02-19-2015, 12:10 AM   #2
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Most annoying thing I hear is, "what you doing on the weekend"?
Not doing anything, cause all you working stiffs are plugging up the roadways.

Before I took the buyout and retired a year and a half early, I calculated how much I would lose in holiday pay and stats. But then, the company countered with, "if you keep working, you'll be working for nothing" ( because the buyout is reduced ).

Still, it took me over a year to stop counting sheets of TP and to realize that I could easily live on savings and pensions.
Now, it's more a question of how our health will hold up. You can have great plans to spend all your time golfing and fishing and camping when you retire, but that won't happen if you are dragging oxygen behind you.
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Old 02-19-2015, 12:31 AM   #3
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Just to get further off topic ( where do I split it? ), heard this on the radio the other day. "of all the people who have ever lived past the age of 65, half of them are still alive today".
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Old 02-19-2015, 12:32 AM   #4
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My 90 y/o mother has told my a BUNCH of times... don't DELAY PLEASURE.

Grocery shopping at the Dollar Store is starting to look better and better vs. the BIG delay and fewer memories. YMMV
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Old 02-19-2015, 12:37 AM   #5
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Thanks Donna. I was going to take care of it, but my motto is to have something to do every day, so that you have something to postpone.
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Old 02-19-2015, 01:40 AM   #6
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Quote:
Originally Posted by gbaglo View Post
"of all the people who have ever lived past the age of 65, half of them are still alive today".
Fascinating stat, although I'm not sure if it says more about ballooning human population or about increasing lifespans.

A family friend wrote a book about retirement planning, and had an interesting related point...
Average lifespan may be to age seventy-something, so people planning to retire at 65 may think they only need about 10 years of funding; however, that average includes lots of people who don't make it 65 years. Of those who do live to 65, they have an average of about twenty more years after that... and the last few years are likely to be expensive due to the need for a living facility with some type of assistance.

Touring around in an Escape, not doing anything lavish, just might be the best way to stretch the dollars and to enjoy the time.
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Old 02-19-2015, 02:23 AM   #7
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Touring around in an Escape, not doing anything lavish, just might be the best way to stretch the dollars and to enjoy the time.
Great in theory, but for those of us in the frozen north, the cost of medical insurance to head south in the winter is prohibitive. My dad was looking at $1,400 for two weeks coverage for a trip to Hawaii.
Another relative has a winter home in Palm Springs that they can't afford to visit.
Don't get me wrong, but when you are 50 years old and wearing rose coloured glasses, you should probably take them off once in a while.
Given all that, I have no desire to go back to work.
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Old 02-19-2015, 02:39 AM   #8
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Canadians cannot be reimbursed for medical care if out of the country? Even emergency treatment? You would have to have private insurance for that?
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Old 02-19-2015, 08:27 AM   #9
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Quote:
Originally Posted by gbaglo View Post
Just to get further off topic ( where do I split it? ), heard this on the radio the other day. "of all the people who have ever lived past the age of 65, half of them are still alive today".
Normally I'm a "glass half full" person (as in more beer, please) but this comment makes me think the opposite, there is a 50% mortality rate after 65?? That seems high. When I retired close to 10 years ago, my goal was to be retired longer than the time worked!! Simple. Both my parents did it, my Mom is 94 and still alive.
That said, When I did retire the mortality table which run insurance and pension calculations seem to indicate my like span was 20 years after retirement. I hope they are incorrect.

Perhaps the comment was saying that when you retire is more important as the longer you work, the shorter your life span becomes. Each year past age 65 that one works, the lifespan decreases twice as fast. Thus at 65 it's 20 years, at 70 it's 10 years. Then there are those who do not make it to retirement, those are the sad cases as there is no pension left for anyone.
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Old 02-19-2015, 09:13 AM   #10
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Correct me if I am wrong but Canadians, as those in the US who are on Medicare, need to purchase health insurance when outside of their respective countries. Yes, Medicare only covers health issues while in the US and perhaps territories such as Puerto Rico and American Samoa. US citizens on Medicare need to purchase coverage for foreign travel.


There seems to be two differences for Canadians, they need to purchase the coverage whatever their age and the costs appear quite different. For example, I added a rider to my Medicare Supplement coverage that will insure me in foreign countries and it cost $1.50 each per month.

Can anyone amplify what their experiences have been. How about US citizens who are not on Medicare, do most health policies cover foreign travel?
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