Retired

"MoM" <[email hidden]> wrote in message
news:1127051780.f4629da15d26699dbbe0898ed59f8395@teranews...

Quoted message said:

We are officially retired!

Now we can start travelling and I can do more experimental cooking!

Woopee!

MoM

Damn. Another one I have to support.
Paul

Just kidding. Have fun!
Paul

"MoM" <[email hidden]> wrote in message
news:1127129506.8327730e3f9b772e5223e90bbfdd2f26@teranews...

Quoted message said:

Quoted message said:

All things we are looking forward to. It's funny really, all his working
years Jim has never slept in. He's up by 6.

Since he retired he has slept to or past 8.

Mine too! I have to start heaving him out of bed at 8.30, he used to be
really cross when I couldn't even open my eyes before 8 am.

Mary

Quoted message said:

MoM

In article <[email hidden]>,
[email hidden] says...

Quoted message said:

MoM said:

<[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

On Sun, 18 Sep 2005 09:55:39 -0400, "MoM" <[email hidden]>
wrote:

> We are officially retired!
>
> Now we can start travelling and I can do more experimental cooking!
>
> Woopee!
>
> MoM
>

I'm glad for you, but not really interested in what goes on in
alt.bread.recipes, alt.cookies.yum.yum.yum, nor rec.food.cooking.

I wouldn't take part in a group naming itself after yummie anythings
on general principles, and if I was looking for a recipe would not
expect to find it in an RV group.

Canoli

Thank you. But... I AM a member of all those groups. Cross posting
was just an
easy way of letting all my friends know what was happening. It wasn't
random.

There are those who have other interests besides rving and mine is
cooking.

Cookies are yummie! And that's what you get in that group. Yummie
cookie recipes.

Why not? Don't RVers cook? Don't we have to eat?

MoM

And I am not interested in your groups. Your interests are not my interests
and vice versa. How would you like it, if someone from some group, such as
alt.incest is best, or some other equally offensive group, cross post your
messages there? That's the point.

Frank,

I think some of you folks are going way over board on this cross posting
bit. The lady was making a retirement announcement. I think for that
purpose a crosspost was fine. But it really doesn't matter what I
think. This is a public forum and she can do as she damn well pleases
and none of us can stop her. I hope you're not an elitist like [censored]
Hatch who thought that it would bring slime balls into the group. Most
women I've met interested in cooking are usually not the slimeball type.
After all this is a public forum. Seems like some in here do there
darndest to keep folks out.

Chris

OOPPPPS, you are Canadian. (Reference to CPP, Canada Pension Plan.

"Jim get's his first Oct 1. We won't apply for CPP till he turns 65."

DO THE MATH HERE!!!!. You qualify at age 60. You will be a lot better off
starting the pension as early as possible. Note that all pension funds will
be clawed back by the tax system if you make over 53K/year.

Farmer John

MoM said:

Quoted message said:

We are officially retired!
Now we can start travelling and I can do more experimental cooking!
Woopee!
MoM

Thanks!

Jim get's his first Oct 1. We won't apply for CPP till he turns 65.

I plan on applying for CPP at 60. You get a little less if you start
collecting early, but the way it was explained to me at a retirement
seminar is that are ahead collecting it early if you live past 77. I will
play the odds and collect early. My wife started collecting it this year
and it's a nice supplement.

Sarah said:

Quoted message said:

MoM

Ooooooh lucky you. Have a great time doing all the things you want to do!

Sarah
(29 years from retirement if it's still 65 when I get there!)

Don't worry. Your time will comes. The older you get the faster time passes
by. I am at the stage where a month passes as quickly as it used to take
from opening exercises to first recess when I was in Gr.1. :-)

A few months after I was hired on full time back in 1977 I got my first
pension statement. I was eligible to go at age 65 Nov. 2015 or with the 90
factor in 2011. That was well into the next century, and the next century
seemed a long way away. Thanks to a bitter government regime who wanted o
dump a lot of civil servants, they and my union worked out an early
retirement option, factor 80. With a change of government and more cuts to
our program, I decided to bail.

My gross pay is half what it used to be, but I no longer have to pay 8% right
off the top for my pension contribution. I no longer pay union dues. Since I
earn less, I pay a lot less income tax. I still get my extended health care
and life insurance. It works out to about $100 less per week net pay. My
car expenses are a lot lower. Since I don't have to drive to work I spend a
lot less on gasoline and there is less wear and tear on the car. Because I
worked on the road I had to buy a lot of coffers and lunches. Now I eat
lunch at home. By the time you knock off all those work related expenses, it
really doesn't cost much to stay home, and not having to wake up to an alarm
and combat the elements, it's well worth it.

Best retirement story I heard was one of the women in our head office who
opted for the 8 factor. She had let them know that she wanted to go as soon
as her 8 factor kicked in, signed all the papers and made all the
arrangements. One day someone from HR came into here office and told her
there had been an error in the calculation, that she could have gone two
weeks earlier. She stood up, put on her coat and walked out.

"fudge" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

OOPPPPS, you are Canadian. (Reference to CPP, Canada Pension Plan.

"Jim get's his first Oct 1. We won't apply for CPP till he turns 65."

DO THE MATH HERE!!!!. You qualify at age 60. You will be a lot better off
starting the pension as early as possible. Note that all pension funds
will
be clawed back by the tax system if you make over 53K/year.

Farmer John

We could take it early, but then you have to pay back forever. He only has
1 1/2 years till he's 65 and we won't loose any money if we wait.

He will have a good pension from work enough to carry us with mine until he
gets CPP. We won't be making that much and will in fact
qualify for OES.

MoM

In article <[email hidden]>,

Dave Smith said:

My gross pay is half what it used to be, but I no longer have to pay 8% right
off the top for my pension contribution. I no longer pay union dues. Since I
earn less, I pay a lot less income tax. I still get my extended health care
and life insurance. It works out to about $100 less per week net pay. My
car expenses are a lot lower. Since I don't have to drive to work I spend a
lot less on gasoline and there is less wear and tear on the car. Because I
worked on the road I had to buy a lot of coffers and lunches. Now I eat
lunch at home. By the time you knock off all those work related expenses, it
really doesn't cost much to stay home, and not having to wake up to an alarm
and combat the elements, it's well worth it.

My situation is similar. I'm in my 5th week of retirement. After 25
years working for the state of California, my gross is also half. But
like you, since I don't have to pay retirement, social security,
medicare, union dues and parking, my net is much more than half.

"Dave Smith" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

MoM said:

Quoted message said:

We are officially retired!
Now we can start travelling and I can do more experimental cooking!
Woopee!
MoM

Thanks!

Jim get's his first Oct 1. We won't apply for CPP till he turns 65.

I plan on applying for CPP at 60. You get a little less if you start
collecting early, but the way it was explained to me at a retirement
seminar is that are ahead collecting it early if you live past 77. I will
play the odds and collect early. My wife started collecting it this year
and it's a nice supplement.

Well the way I figure it you might be dead by the time 65 comes so best to
get it now!!

Quoted message said:

"Dave Smith" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

MoM said:

Quoted message said:

We are officially retired!
Now we can start travelling and I can do more experimental cooking!
Woopee!
MoM

Thanks!

Jim get's his first Oct 1. We won't apply for CPP till he turns 65.

I plan on applying for CPP at 60. You get a little less if you start
collecting early, but the way it was explained to me at a retirement
seminar is that are ahead collecting it early if you live past 77. I will
play the odds and collect early. My wife started collecting it this year
and it's a nice supplement.

I took SS early, too. I think I've already beat the odds. But then, again,
it isn't much here for me; I hardly know I have it; but of course, I would
notice it if I didn't have it.
Dee Dee

Dee Randall said:

I took SS early, too. I think I've already beat the odds. But then, again,
it isn't much here for me; I hardly know I have it; but of course, I would
notice it if I didn't have it.

My wife just started collecting hers last month. It's about $500 per month. It
wouldn't be much if that was all she was getting, but that is on top of her
pension, so it's a nice bonus. I feel sorry for people who don't have a decent
pension plan through or some substantial investments for their old age. They
are going to have a rude surprise when they retire and have only those meagre
government pensions to get by on.

Some people make out okay on those government pensions. I had an aunt who had
Alzheimer's and had suffered a few strokes. My father had PoA for her after my
uncle died, and I took over the PoA when my father died. My father had applied
for a widow's pension on my aunt's behalf. She was already receiving a
survivor's benefit because my father had served in the army during WW II. But
she had been married briefly to a fighter pilot. He went overseas shortly after
they were married and was a killed within a few weeks. So she ended up getting
two pensions form the armed forces, plus Old Age and CPP. She was living in a
good chronic care facility and cleared close to $1200 a month more than the cost
of her care. She was making more money on pensions than I was working.

PoA for my aunt after my uncle died, a

"Dave Smith" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

cyclist said:

It would be really nice if some of you old farts who drive those effing
great RVs were to take a driving test. You have no idea how wide your
damn
vehicles are and your bloody mirrors have killed far too many cyclists -
SO
[censored]!

As if a cyclist should talk about bad driving. Most cyclists seem to be
unaware of the fact that they are vehicles and have to follow the rules of
the
road. That means stopping at stop signs, not passing on the right, staying
off
sidewalks, riding on the right side of the road.

Last night we were on our way out for dinner I saw two cyclists run a stop
sign. A few minutes later I saw a cyclist who appeared to be making a
proper
left turn at a traffic signal, though he didn't bother to signal. He moved
over
to the left side of the road and slowed down. But instead of waiting for
the
light to change, he darted across the road and went the wrong way on an
exit
ramp from the other road and was riding down the wrong side of the road. I
made
my turn when the light change and the cyclist veered across the road in
front
of me without even looking to see if anyone was coming, as if I was
supposed to
assume that is what he was going to do. A mile down the road there were
two
cyclists riding on the wrong side of the road. A few miles after that I
came
across four more cyclists , 2 groups of two. The front two were riding
side by
side, one in the bicycle lane and the other in the car lane. Both made a
right
turn at a controlled intersection, neither one signally their turn, and
neither
one stopping for the red light. The next two followed their example, on of
them
swinging out in front of me as I was passing. I passed the other two as
well,
and when I came to a stop sign and waited for the intersection to clear,
the
both passed me on the right and sailed right though the intersection
without
stopping. Not a bad record for the cyclists..... out of 9 cyclists, 7 of
them
failed to stop at stop signs, 5 of them failed to signal their turns,
three of
them rode on the wrong side of the road, and two of them passed unsafely
on
the right.

Coming out of Showlow, Az. last month, we encountered a group of cyclists
just after topping a hill. 2 lane road. They were moving at about 10MPH and
we were right at 55, the speed limit.
Traffic coming the other way prevented us from moving into the other lane.
I didn't appreciate, at all, the need to slam on the brakes a dump
everything in the trailer. The they had the nerve to hollar, "Slow down", as
we finally passed.

Max

"Dave Smith" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

Best retirement story I heard was one of the women in our head office who
opted for the 8 factor. She had let them know that she wanted to go as
soon
as her 8 factor kicked in, signed all the papers and made all the
arrangements. One day someone from HR came into here office and told her
there had been an error in the calculation, that she could have gone two
weeks earlier. She stood up, put on her coat and walked out.

That's style!

Mary

"Dave Smith" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

Dee Randall said:

I took SS early, too. I think I've already beat the odds. But then,
again,
it isn't much here for me; I hardly know I have it; but of course, I
would
notice it if I didn't have it.

My wife just started collecting hers last month. It's about $500 per
month. It
wouldn't be much if that was all she was getting, but that is on top of
her
pension, so it's a nice bonus. I feel sorry for people who don't have a
decent
pension plan through or some substantial investments for their old age.
They
are going to have a rude surprise when they retire and have only those
meagre
government pensions to get by on.

Some people make out okay on those government pensions. I had an aunt who
had
Alzheimer's and had suffered a few strokes. My father had PoA for her
after my
uncle died, and I took over the PoA when my father died. My father had
applied
for a widow's pension on my aunt's behalf. She was already receiving a
survivor's benefit because my father had served in the army during WW II.
But
she had been married briefly to a fighter pilot. He went overseas shortly
after
they were married and was a killed within a few weeks. So she ended up
getting
two pensions form the armed forces, plus Old Age and CPP. She was living
in a
good chronic care facility and cleared close to $1200 a month more than
the cost
of her care. She was making more money on pensions than I was working.

Yes, some people have good luck and good planning and good families to help
them. Some people who save all their lives have basically saved for their
times in the assisted living, health-care homes and are thankful they did.
Now, when almost every nursing home of any kind goes at the rate of close to
$2,500 a month and up, it's not long that the savings are used up.
Hopefully they can live independent of any assistance from family and
government with that kind of planning and saving. Of course, there are many
kinds of circumstances; I'm only addressing a few.
Dee Dee

"Dave Smith"

<snip>|
| Best retirement story I heard was one of the women in our head office who
| opted for the 8 factor. She had let them know that she wanted to go as
soon
| as her 8 factor kicked in, signed all the papers and made all the
| arrangements. One day someone from HR came into here office and told her
| there had been an error in the calculation, that she could have gone two
| weeks earlier. She stood up, put on her coat and walked out.
|

No idea what the 8 factor might be but I LOVE the lady's style.

NotMe said:

| as her 8 factor kicked in, signed all the papers and made all the
| arrangements. One day someone from HR came into here office and told her
| there had been an error in the calculation, that she could have gone two
| weeks earlier. She stood up, put on her coat and walked out.
|

No idea what the 8 factor might be but I LOVE the lady's style.

Sorry. That should be 80 factor.... age plus years of pension contribution. I
went at 53 with 27 years.

Dee Randall said:

Yes, some people have good luck and good planning and good families to help
them. Some people who save all their lives have basically saved for their
times in the assisted living, health-care homes and are thankful they did.
Now, when almost every nursing home of any kind goes at the rate of close to
$2,500 a month and up, it's not long that the savings are used up.
Hopefully they can live independent of any assistance from family and
government with that kind of planning and saving. Of course, there are many
kinds of circumstances; I'm only addressing a few.
Dee Dee

My sister in law had to move her mother into a nursing home last year. The poor
lady was really losing it, leaving burners on the stove and burning pots, not
eating, having mental lapses etc. They have her in a nice retirement home, but
it is $2500 per month. They only got $120,000 for her house. so that's enough
for about 4 years in there. I don't know who can afford to pay for it if she
lasts longer than that.

Max said:

Coming out of Showlow, Az. last month, we encountered a group of cyclists
just after topping a hill. 2 lane road. They were moving at about 10MPH and
we were right at 55, the speed limit.
Traffic coming the other way prevented us from moving into the other lane.
I didn't appreciate, at all, the need to slam on the brakes a dump
everything in the trailer. The they had the nerve to hollar, "Slow down", as
we finally passed.

Yep. That's quite typical. I live on a rural road with rolling hills, blind
intersections and no shoulders. For some reasons, groups of bicyclists like to
use this road for their group treks. They ride two and three wide and will not
pull over when cars go by. It is damned rare to see them stop at a stop sign.
And then someone from the most dangerous group of road users in the country
slams retired people for the way they drive their campers. Maybe the old farts
are just to stubborn to put up with the [censored] from the cyclists.

"Dave Smith" <[email hidden]> wrote

Quoted message said:

My sister in law had to move her mother into a nursing home last year. The
poor
lady was really losing it, leaving burners on the stove and burning pots,
not
eating, having mental lapses etc. They have her in a nice retirement home,
but
it is $2500 per month. They only got $120,000 for her house. so that's
enough
for about 4 years in there. I don't know who can afford to pay for it if
she
lasts longer than that.

Man, it's expensive. I got damm lucky with my inlaws ... maybe 10 years ago
I did something out of my nature. Where they lived was just awful ... her
father had built the 'house' when he came to America, it's right on a major
highway ... Route 1&9 near Newark Airport if that means anything to you.
I put my foot down, and against the strong family tide, insisted they move
to
a house in a retirement community. They wound up with round the clock
caregivers for the last few years. (bless those people, don't ask me how
they do their job)

Anyway, thank goodness I did, they outlived their money, and the sale of
the house in a very strong real estate market saved the day. I think that
the caregivers and their company probably came to about $2500 for the
both of them, this way they could stay home and would be driven around
for breakfast, shopping, whatever. Would have been far more for both
of them in a nursing home ... $5000. Just another option.

nancy

"Dave Smith" <[email hidden]> wrote

Quoted message said:

My sister in law had to move her mother into a nursing home last year. The
poor
lady was really losing it, leaving burners on the stove and burning pots,
not
eating, having mental lapses etc. They have her in a nice retirement home,
but
it is $2500 per month. They only got $120,000 for her house. so that's
enough
for about 4 years in there. I don't know who can afford to pay for it if
she
lasts longer than that.

Man, it's expensive. I got damm lucky with my inlaws ... maybe 10 years ago
I did something out of my nature. Where they lived was just awful ... her
father had built the 'house' when he came to America, it's right on a major
highway ... Route 1&9 near Newark Airport if that means anything to you.
I put my foot down, and against the strong family tide, insisted they move
to
a house in a retirement community. They wound up with round the clock
caregivers for the last few years. (bless those people, don't ask me how
they do their job)

Anyway, thank goodness I did, they outlived their money, and the sale of
the house in a very strong real estate market saved the day. I think that
the caregivers and their company probably came to about $2500 for the
both of them, this way they could stay home and would be driven around
for breakfast, shopping, whatever. Would have been far more for both
of them in a nursing home ... $5000. Just another option.

nancy