"Lone Haranguer" > wrote in message
...
> Dimitri wrote:

<Snip>

>> For me the best seems to be to work as long as possible and to hold off
>> claiming as long as possible until full retirement.
>>
>> Dimitri
>>
> Yahbut there are no guarantees.
> LZ

Wadda you mean? Ain't you gonna live forever like me? LOL

Dimitri

"Randy & Cheyanne" > wrote in message
.. .

<snip>

> 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.
>>
>>
> If she runs out of money they will appply to Medicaid for her, and the nursing
> home will take her SS check except for about $45/mo. for her payments at the
> home.

Isn't that wonderful? - you have to liquidate everything you've accumulated over
a lifetime as well as inherited then you can "become a ward of the state" in
whatever nursing home is the least expensive.

Nice....

Dimitri

"Dimitri" > wrote in message
. ..
>
> "Sheldon" > wrote in message
> oups.com...
>>
>> Dimitri wrote:
>>> "fudge" wrote:
>>> >
>>> > "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
>>>
>>> There is a slight problem with the math and the logic.
>>>
>>> Lets say the difference is 51 months (age 66 years & 3 months vs age 62)
>>> and the
>>> difference is $1,000.00 per month. Conventional wisdom is that one will
>>> lose
>>> $51,000 if they wait. Correct so far? The break even point is 51 months
>>> past
>>> their full retirement age or in this example 70 and 6 months old.
>>>
>>> The problem is that no one saves the extra $1,000 per month and once the
>>> full
>>> retirement is reached the income only changes with the cost of living.
>>> Additionally the older one becomes the less one has the ability to
>>> augment their
>>> income.
>>>
>>> For me the best seems to be to work as long as possible and to hold off
>>> claiming
>>> as long as possible until full retirement.
>>
>> That's the most common and most horrendous error made by those
>> contemplating retirement... finances are importnat but they're the
>> least important element of retirement. The one thing many never
>> consider is that not all retirement years are of equal value.
>> Considering one spends a total of twenty years in retirement (and then
>> you die) then the first year of retirement is worth twenty times more
>> than the last year, and all the earlier years likwise compared to the
>> later years. The *quality* of life lived is far more valuable than the
>> number of dollars spent. The longer one waits to retire the least
>> likely they will enjoy good health, then what use is that little bit of
>> extra money. What good are more retirement dollars if they're mostly
>> used to pay more medical bills. And it's a proven fact, the earlier
>> one retires the more years they tend to live and the more healthy those
>> years. The bottom line is one can never get those forgone years back.
>> I retired early and have never had any misgiving over the few bucks
>> more I would have had to spend had I waited more years... I much more
>> enjoy spending a few less dollars on enjoying myself more than gambling
>> on forgoing the good years to have more dollars to spend on healthcare
>> later and in fewer years.
>>
>> Dimitri, if you didn't accumulate that first million by now you never
>> will, and in fact the more years you put off retiring the less dollars
>> you'll be likely to retire with. Quit while you're ahead, you can't
>> beat old father time, no one ever has... you should have retired
>> yesterday.
>>
>> Sheldon
>
>
> That's good advise all be it a generalization. I thought we live forever?
> Thanks for reminding me that I am mortal and that getting old is a BITCH.
> 100 yard dash? Shit I don't know if I can do the 100 yard crawl ;-) LOL
>
> If it weren't for Glucosamine I'd have steel knees.
>
> Dimitri
>
It's great stuff! I take glucosamine and chondroitin in one capsule.
But... I've already had one surgery and I'm trying to avoid another. I've
lost a lot of weight and that helps, but unfortunately the damage is already
done and arthritis doesn't go away.

MoM

"MoM" > wrote

> "Dimitri" > wrote in message

>> If it weren't for Glucosamine I'd have steel knees.

> It's great stuff! I take glucosamine and chondroitin in one capsule.
> But... I've already had one surgery and I'm trying to avoid another. I've
> lost a lot of weight and that helps, but unfortunately the damage is
> already done and arthritis doesn't go away.

What is that? Can I just buy it at the store? Or do I have to go back
to my orthopedic surgeon?

nancy

On Sun, 18 Sep 2005 09:55:39 -0400, "MoM" >
connected the dots and wrote:

~We are officially retired!
~
~Now we can start travelling and I can do more experimental cooking!
~
~Woopee!
~
~MoM
~
Congratulations on making it past the tough point. Whatever you do,
don't let your spouse drive you nuts now<g>

maxine in ri

On Sun, 18 Sep 2005 18:16:39 -0400, "MoM" >
connected the dots and wrote:

~
~"Damsel in dis Dress" > wrote in message
.. .
~> "Dee Randall" > said:
~>
~>> Yep, my husband and I both retired when he was 44. I am now 70;
it seems
~>> like only yesterday.
~>
~> Dang! You don't look a day over 30!
~>
~> Carol
~
~That would have been nice, but this is my second marriage and I was
42 then.
~It's like starting from scratch. But, I've managed
~to arrange our finances so we will be financially secure. We won't
owe
~anyone anything!
~
~So, what have you done for 26 years?
~
~
~MoM
~
Worked in printing, 4 years at random jobs, 22 years at the current
place.

maxine in ri

maxine in ri wrote:

>
> Congratulations on making it past the tough point. Whatever you do,
> don't let your spouse drive you nuts now<g>

LOL. Too true. I liked it when my wife was still working and I was on a
four day work week. I had one day a week all to myself. One of the
things we were told at the retirement seminar was "I married you for
better or for worse but not for lunch." :-)

"Nancy Young" > wrote in message
...
>
> "MoM" > wrote
>
>> "Dimitri" > wrote in message
>
>>> If it weren't for Glucosamine I'd have steel knees.
>
>> It's great stuff! I take glucosamine and chondroitin in one capsule. But...
>> I've already had one surgery and I'm trying to avoid another. I've lost a
>> lot of weight and that helps, but unfortunately the damage is already done
>> and arthritis doesn't go away.
>
> What is that? Can I just buy it at the store? Or do I have to go back
> to my orthopedic surgeon?
>
> nancy

It is an over the counter supplement - Go to the arthritis.org and check it out.

You should let you physician know - all of them.

It is also called ostiobioflex <sp> and many other brand names. It ain't
cheap.and it can take several months before you notice a difference.

http://www.arthritis.org/conditions/...lucosamine.asp


Dimitri

"Dimitri" > wrote
> "Nancy Young" > wrote

>>>> If it weren't for Glucosamine I'd have steel knees.

>> What is that? Can I just buy it at the store? Or do I have to go back
>> to my orthopedic surgeon?

> It is an over the counter supplement - Go to the arthritis.org and check
> it out.
>
> You should let you physician know - all of them.
>
> It is also called ostiobioflex <sp> and many other brand names. It ain't
> cheap.and it can take several months before you notice a difference.

Thanks a million, Dimitri, I will look for it. And read the website.

nancy

"Nancy Young" > wrote in message
...
>
> "Dimitri" > wrote
>> "Nancy Young" > wrote
>
>>>>> If it weren't for Glucosamine I'd have steel knees.
>
>>> What is that? Can I just buy it at the store? Or do I have to go back
>>> to my orthopedic surgeon?
>
>> It is an over the counter supplement - Go to the arthritis.org and check it
>> out.
>>
>> You should let you physician know - all of them.
>>
>> It is also called ostiobioflex <sp> and many other brand names. It ain't
>> cheap.and it can take several months before you notice a difference.
>
> Thanks a million, Dimitri, I will look for it. And read the website.
>
> nancy


As a bit of a follow-up I have no cartilage in one knee and about 1/2 in the
other. I used to eat anti-inflammatories like candy and could not stay asleep
at night. I would turn over and the pain would wake me up. About 3 or 4 years
ago my internist put me on 1500 & 1200 per day and then doubled the dosage.
After about 6 months I noticed that had a lot less pain doing the normal
things. I had been told by my orthopedic surgeon that I would have to have my
knees replaced. It may get worse I don't know but today I don't need the
surgery.
(well maybe a lobotomy) LOL

Dimitri

Nancy Young wrote:
> "MoM" > wrote
>
> > "Dimitri" > wrote in message
>
> >> If it weren't for Glucosamine I'd have steel knees.
>
> > It's great stuff! I take glucosamine and chondroitin in one capsule.
> > But... I've already had one surgery and I'm trying to avoid another. I've
> > lost a lot of weight and that helps, but unfortunately the damage is
> > already done and arthritis doesn't go away.
>
> What is that? Can I just buy it at the store? Or do I have to go back
> to my orthopedic surgeon?

Depends on how much cartilage is gone and your particular body
chemistry but for most people it can take too many years for
glucosamine to build up cartilage, and in most cases cartilage erodes
faster than glucosamine replaces it. Orthopedists nowadays recommend a
course of "Synvisc"... no legit Orthopedist will consider knee
replacement before the patient tries at least two rounds.

http://www.synvisc.com

Sheldon

"Nancy Young" > wrote in message
...
>
> "MoM" > wrote
>
>> "Dimitri" > wrote in message
>
>>> If it weren't for Glucosamine I'd have steel knees.
>
>> It's great stuff! I take glucosamine and chondroitin in one capsule.
>> But... I've already had one surgery and I'm trying to avoid another.
>> I've lost a lot of weight and that helps, but unfortunately the damage is
>> already done and arthritis doesn't go away.
>
> What is that? Can I just buy it at the store? Or do I have to go back
> to my orthopedic surgeon?
>
> nancy
I buy mine at my local Walmart in Canada. It was my orthopod who prescribed
it for me, but it's not a prescription
it's listed as a natural product. I'm just blessed that I can claim
anything my doctor prescribed prescription or
otherwise. i take 3 900 mg per day.

Here's a site with info.

http://www.consumerlab.com/results/gluco.asp

Mom

"maxine in ri" > wrote in message
...
> On Sun, 18 Sep 2005 09:55:39 -0400, "MoM" >
> connected the dots and wrote:
>
> ~We are officially retired!
> ~
> ~Now we can start travelling and I can do more experimental cooking!
> ~
> ~Woopee!
> ~
> ~MoM
> ~
> Congratulations on making it past the tough point. Whatever you do,
> don't let your spouse drive you nuts now<g>
>
> maxine in ri

Actually, I think it might be the other way around. LOL

MoM

"Dimitri" > wrote in message
. ..
>
> "Nancy Young" > wrote in message
> ...
>>
>> "Dimitri" > wrote
>>> "Nancy Young" > wrote
>>
>>>>>> If it weren't for Glucosamine I'd have steel knees.
>>
>>>> What is that? Can I just buy it at the store? Or do I have to go back
>>>> to my orthopedic surgeon?
>>
>>> It is an over the counter supplement - Go to the arthritis.org and check
>>> it out.
>>>
>>> You should let you physician know - all of them.
>>>
>>> It is also called ostiobioflex <sp> and many other brand names. It
>>> ain't cheap.and it can take several months before you notice a
>>> difference.
>>
>> Thanks a million, Dimitri, I will look for it. And read the website.
>>
>> nancy
>
>
> As a bit of a follow-up I have no cartilage in one knee and about 1/2 in
> the other. I used to eat anti-inflammatories like candy and could not
> stay asleep at night. I would turn over and the pain would wake me up.
> About 3 or 4 years ago my internist put me on 1500 & 1200 per day and then
> doubled the dosage. After about 6 months I noticed that had a lot less
> pain doing the normal things. I had been told by my orthopedic surgeon
> that I would have to have my knees replaced. It may get worse I don't
> know but today I don't need the surgery.
> (well maybe a lobotomy) LOL

Well I now have two metal knees. The last one installed last week. Of
course I am still sore with the last one but the previous is marvellous...
no pain.........................

"Dimitri" > wrote in message
. ..
>
>
> That's good advise all be it a generalization. I thought we live forever?

We do.

That is, you do and I do - although I'm wondering a bit about me ... :-(


> Thanks for reminding me that I am mortal and that getting old is a BITCH.
> 100 yard dash? Shit I don't know if I can do the 100 yard crawl ;-) LOL

Never could dash ...

My take on pension schemes is the following:

You save in a pension scheme and accumulate (for example, not an actual
figure) £/$ x.

OK?

You retire at 65 - parties, clocks, handshakes, the lot.

At 65 +one day you die - naturally or by bus or whatever.

Where's your pension?

What's your estate worth for your heirs?







Now, the alternative.

You save in a bank account, building society whatever. You accumulate (for
example, not an actual figure) £/$ x.

At 65 you retire, parties etc.

At 65 + one day you die - naturally or by bus or whatever.

Where are your savings?

What's your estate worth for your heirs?

£/$ x - one day.




Guess what we've done?

Mary

In article > ,
"Mary Fisher" > wrote:


> My take on pension schemes is the following:
>
> You save in a pension scheme and accumulate (for example, not an actual
> figure) £/$ x.
>
> OK?
>
> You retire at 65 - parties, clocks, handshakes, the lot.
>
> At 65 +one day you die - naturally or by bus or whatever.
>
> Where's your pension?
>
> What's your estate worth for your heirs?
>
>
>
>
>
>
>
> Now, the alternative.
>
> You save in a bank account, building society whatever. You accumulate (for
> example, not an actual figure) £/$ x.
>
> At 65 you retire, parties etc.
>
> At 65 + one day you die - naturally or by bus or whatever.
>
> Where are your savings?
>
> What's your estate worth for your heirs?
>
> £/$ x - one day.
>
>
>
>
> Guess what we've done?


I don't know. The impossible?

Obviously, if you know that you are going to die the day after you
retire at age 65, then you should take your retirement as cash and not
an annuity (monthly payments). Better yet, you should retire earlier so
you can enjoy your money! Say retire at age 55, and spend 10% of your
money each year so you get maximum enjoyment out of it.

Of course, very few of us have the luxury of knowing when we will die.
That's why we have life insurance and pensions. Given an amount of "x"
at retirement, the pension folks can guarantee a fixed monthly amount
for the rest of your life. Those people who die early lose money, those
who live longer get more money, but on average, it works out. Of
course, if you have been supporting a spouse or dependents, you can have
the pension continue after you die, until they die or are no longer
dependent. I just retired, and was given five different options. The
last was a "build it yourself" where I could specify pretty much
whatever I wanted. Of course, they are going to plug all of this into
their formulas, and your monthly pension payment will go down according
to what you specify. The highest is just myself, and then less to cover
my spouse if I die first, and then less as others are added.

GET THE **** OFF THIS COOKING FORUM!
You bunch of old retired assholes should just go away and die.
No one cares and no one will notice! You are just a drain on the
society and the enrionment and besides you all stink.
Get lost you dumb jerks.

marriz wrote:

> GET THE **** OFF THIS COOKING FORUM!
> You bunch of old retired assholes should just go away and die.
> No one cares and no one will notice! You are just a drain on the
> society and the enrionment and besides you all stink.
> Get lost you dumb jerks.
>
Have the brains to not cross-post then you rotting cucumber-dildo.
LZ

In article . com>,
says...
> GET THE **** OFF THIS COOKING FORUM!
> You bunch of old retired assholes should just go away and die.
> No one cares and no one will notice! You are just a drain on the
> society and the enrionment and besides you all stink.
> Get lost you dumb jerks.
>
>
What a bitch! She'd fit in good on RORT!

"Ophelia" > wrote in message
. ..
>
> "MoM" > wrote in message
> news:1127051780.f4629da15d26699dbbe0898ed59f8395@t eranews...
>> We are officially retired!
>>
>> Now we can start travelling and I can do more experimental cooking!
>>
>> Woopee!
>
> Hurrahhhhhhhhhhhhhhhhhhhh enjoy every second and let us know all about
> it))))
>
> Ophelia
>
First... we have to get moved. That was supposed to be today. We didn't
realize just how much stuff we still had. I couldn't help Jim except for
packing and I did a lot of that. But here it is 9 pm and Jim just told me
an hour ago that he can't do any more. So we've had the truck all day and
it won't be back tomorrow by 7 as planned so we will add another $250 onto
our bill. Gee I wish we could have afforded movers!

It'll all soon be over and we can get on with our lives.

MoM

"Puester" > wrote in message
...
> MoM wrote:
>> We are officially retired!
>>
>
>
> Enjoy!
>
> gloria p

Will do, once we finish moving. 8> (

Thanks: 8> D

MoM

"S'mee in WA" > wrote in message
...
> One time on Usenet, "MoM" > said:
>
>> We are officially retired!
>>
>> Now we can start travelling and I can do more experimental cooking!
>>
>> Woopee!
>
> Congratulations, Helen -- enjoy!
>
>
> --
> Jani in WA (S'mee)
> ~ mom, VidGamer, novice cook ~

Thanks!

Graphic Queen wrote:
> On 21 Sep 2005 17:02:05 -0700, "marriz" > wrote:
>
> >GET THE **** OFF THIS COOKING FORUM!
> >You bunch of old retired assholes should just go away and die.
> >No one cares and no one will notice! You are just a drain on the
> >society and the enrionment and besides you all stink.
> >Get lost you dumb jerks.
>
> Maybe you should talk to one of your subscribers who started this
> whole thread in the first place and is the one who crossposted in the
> beginning. You are too funny with that foam al over your mouth.
> Rabies????

TU SHAY!! ROFLOL

marriz wrote:
> GET THE **** OFF THIS COOKING FORUM!
> You bunch of old retired assholes should just go away and die.
> No one cares and no one will notice! You are just a drain on the
> society and the enrionment and besides you all stink.
> Get lost you dumb jerks.
>

Marriz, you apparently know very little about computers and the
internet. If you would track back to your OP on this thread you
would see it was cross posted by your friend "MOM". Showing up on
the RV news group with out invite and drew a few polite replies
before it was detected that it had been cross posted. The best thing
you can do is change the title like I have.
--
BILL P.
Just Dog
&
ME

On Wed, 21 Sep 2005 21:03:40 -0400, "MoM" >
connected the dots and wrote:

~
~"Ophelia" > wrote in message
...
~>
~> "MoM" > wrote in message
~> news:1127051780.f4629da15d26699dbbe0898ed59f8395@t eranews...
~>> We are officially retired!
~>>
~>> Now we can start travelling and I can do more experimental
cooking!
~>>
~>> Woopee!
~>
~> Hurrahhhhhhhhhhhhhhhhhhhh enjoy every second and let us know all
about
~> it))))
~>
~> Ophelia
~>
~First... we have to get moved. That was supposed to be today. We
didn't
~realize just how much stuff we still had. I couldn't help Jim except
for
~packing and I did a lot of that. But here it is 9 pm and Jim just
told me
~an hour ago that he can't do any more. So we've had the truck all
day and
~it won't be back tomorrow by 7 as planned so we will add another $250
onto
~our bill. Gee I wish we could have afforded movers!
~
~It'll all soon be over and we can get on with our lives.
~
~MoM
~
$500 is still cheaper than movers, and only slightly more stressful.

Good luck tomorrow. It does take less time to unload, since it's all
in one place<g>

maxine in ri

"MoM" > wrote in message
news:1127351007.09d8674d083b515fca526f3dcf0ba091@t eranews...
>
> "Ophelia" > wrote in message
> . ..
>>
>> "MoM" > wrote in message
>> news:1127051780.f4629da15d26699dbbe0898ed59f8395@t eranews...
>>> We are officially retired!
>>>
>>> Now we can start travelling and I can do more experimental cooking!
>>>
>>> Woopee!
>>
>> Hurrahhhhhhhhhhhhhhhhhhhh enjoy every second and let us know all about
>> it))))
>>
>> Ophelia
>>
> First... we have to get moved. That was supposed to be today. We didn't
> realize just how much stuff we still had. I couldn't help Jim except for
> packing and I did a lot of that. But here it is 9 pm and Jim just told me
> an hour ago that he can't do any more. So we've had the truck all day and
> it won't be back tomorrow by 7 as planned so we will add another $250 onto
> our bill. Gee I wish we could have afforded movers!
>
> It'll all soon be over and we can get on with our lives.

Good luck with it

O

"marriz" > wrote in message
ups.com...
> GET THE **** OFF THIS COOKING FORUM!
> You bunch of old retired assholes should just go away and die.
> No one cares and no one will notice! You are just a drain on the
> society and the enrionment and besides you all stink.
> Get lost you dumb jerks.

PLONK )

"maxine in ri" > wrote in message
...
> On Wed, 21 Sep 2005 21:03:40 -0400, "MoM" >
> connected the dots and wrote:
>
> ~
> ~"Ophelia" > wrote in message
> ...
> ~>
> ~> "MoM" > wrote in message
> ~> news:1127051780.f4629da15d26699dbbe0898ed59f8395@t eranews...
> ~>> We are officially retired!
> ~>>
> ~>> Now we can start travelling and I can do more experimental
> cooking!
> ~>>
> ~>> Woopee!
> ~>
> ~> Hurrahhhhhhhhhhhhhhhhhhhh enjoy every second and let us know all
> about
> ~> it))))
> ~>
> ~> Ophelia
> ~>
> ~First... we have to get moved. That was supposed to be today. We
> didn't
> ~realize just how much stuff we still had. I couldn't help Jim except
> for
> ~packing and I did a lot of that. But here it is 9 pm and Jim just
> told me
> ~an hour ago that he can't do any more. So we've had the truck all
> day and
> ~it won't be back tomorrow by 7 as planned so we will add another $250
> onto
> ~our bill. Gee I wish we could have afforded movers!
> ~
> ~It'll all soon be over and we can get on with our lives.
> ~
> ~MoM
> ~
> $500 is still cheaper than movers, and only slightly more stressful.
>
> Good luck tomorrow. It does take less time to unload, since it's all
> in one place<g>
>
> maxine in ri

Thanks maxine. I tripped and fell yesterday and now I feel like a truck ran
over me. I can hardly walk because
I landed on my knee's and they were bad before that. But, we'll make it and
as Jim said last night, we'll look
back and laugh at it.

MoM

I dont know what country you're in MOM ,but im in Australia. Ive been
retired about 10 years now and we've travelled Aus 5 complete trips. Theres
nothing greater to wake up somewhere in the country and realise the only
place youve GOT to be today is where ever you choose.
Youre going to have a great time,good health,dont let anyone rush you... PJ




"JerryD(upstateNY)" > wrote in message
...
> MoM,
> Good for you.
> I got my first SS deposited to my account last Wed. <g>
> Already planning our first trip.
> --
> JerryD(upstateNY)
>
>
>
> We are officially retired!
> Now we can start travelling and I can do more experimental cooking!
> Woopee!
> MoM
>

marriz wrote:
> GET THE **** OFF THIS COOKING FORUM!
> You bunch of old retired assholes should just go away and die.
> No one cares and no one will notice! You are just a drain on the
> society and the enrionment and besides you all stink.
> Get lost you dumb jerks.

But MOM invited us.

--
Frank Howell
www.fphowell.com

Frank Howell wrote:

> marriz wrote:
>
>>GET THE **** OFF THIS COOKING FORUM!
>>You bunch of old retired assholes should just go away and die.
>>No one cares and no one will notice! You are just a drain on the
>>society and the enrionment and besides you all stink.
>>Get lost you dumb jerks.
>
>
> But MOM invited us.
>
That is correct. When you stick another news group on the address
and continue on with a conversation, you have literally invited any
one that receives your post to reply to it. That is what MoM did so
dont act like an ignorant ass hole, get smart, get over it, get off
the wrong news group by adjusting your address list.

--
BILL P.
Just Dog
&
ME

Frank Howell wrote:
> marriz wrote:
> > GET THE **** OFF THIS COOKING FORUM!
> > You bunch of old retired assholes should just go away and die.
> > No one cares and no one will notice! You are just a drain on the
> > society and the enrionment and besides you all stink.
> > Get lost you dumb jerks.
>
> But MOM invited us.
>
> --
> Frank Howell
> www.fphowell.com

ROFLMBO!!

8

Lindakay