06-10-20, 10:59 AM | ||
Join Date: Sep 2016
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06-10-20, 11:20 AM | ||
Exchange Moderator
Join Date: Feb 2002
Location: PalmTreeVille
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when you talk to HR, just find out how much continuing medical coverage might cost you if you kept it with your employer. they call it cobra, and whether you choose to continue or not, it's good to keep for comparison purposes. employers have more leverage in providing medical and might be able to give you and DH a good rate. i mentioned it in case you're unable to find a job that provides medical coverage. good to have as a back up plan. given the current situation, hard to tell what jobs might be available and what kinds of benefits might be offered.
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~jeannine Miyagi: Wax on, right hand. Wax off, left hand. Wax on, wax off. Breathe in through nose, out the mouth. Wax on, wax off. Don't forget to breathe, very important. [walks away, still making circular motions with hands] ~ Pat Morita, The Karate Kid, 1984 disclosure: in the years 2002-2004 i had a professional relationship with a distributor of fitness videos; see profile. |
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06-10-20, 11:31 AM | |
Join Date: Nov 2001
Location: Maryland, USA
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I have to admit, the prospect of returning to the office on a regular basis has me wanting to retire! I'm not there age-wise yet - I'm only 52, and I have a DD who will be a senior in HS next year - so I know I have to keep going - and at least get her through college. But, ugh, the thought of going back to commuting and all that just makes me want to quit! I hope that my workplace allows for more telework on a regular basis as that does make working more bearable.
I would love to retire sometime between age 58 and 62. As others have said, I want to be young enough to enjoy it! And, yea, I know there are people who are in great shape and active into their 70's and 80's and if I happen to be one of those people -all the better - but I don't want to take any chances, LOL! I also don't have a desire or live a super extravagant lifestyle. A nice trip or two every year that would cover me. I mostly just want the FREE time and freedom. I can be quite happy doing local things, enjoying my yard, reading, taking more walks, maybe getting into a craft or hobby that I don't have time for now, etc. Haven't really decided about SS - and when to take it - there are arguments on both sides for doing it early and doing it late. For now, my workplace will allow me to buy health benefits at a reduced rate for myself and my DH when I retire - so that is a plus. My DH is older than me so he will hit Medicare age before me, so I that would be an even greater savings as I would then just have to cover myself and my DH's plan would then just be a supplemental plan. I guess we'll see where it goes..... But, the thought of getting back into the commuting rat race just makes me want to retire!!! (and move, MD is too expensive for retirees!). I wouldn't even necessarily mind working a PT job after retirement - something close to home....20 or so hours a week.... Donna |
06-10-20, 12:55 PM | |
Join Date: Jul 2009
Location: St. Louis MO
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I was forcibly retired at 62 bc of making a mistake due to being overloaded on the job. I was single-handedly doing the job of 3 ppl and they never gave me any help. I had absolutely no downtime to socialize with co-workers and it was very stressful. I was so glad when they canned me instead of giving me some help. Even our insurance company 401k vendor asked repeatedly why they didn't give me any help bc I was the only 401k administrator doing it all by my lonesome.
Those fools who underpaid me and then let me go found out it was too much of a workload for one person. It took them 2 yrs to finally parcel out my job duties to 3 ppl. Well, I was donig 3 ppl's jobs. Ha ha. They did not think that one through and it probably saved me from a stroke or heart attack. |
06-10-20, 01:14 PM | |
Join Date: Aug 2002
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I've been semi-retired for a couple of years, and the semi part ended with covid-19 since the company that contracts me is in the group event business.
If you and your DH make less than 65K a year, you can get insurance through the ACA at a huge discount, albeit with a large deductible. Mine pays for check-ups and prescriptions and I pay $250 a month, and the government pays the other $500. But as Murphy's law would have it, we just sold our property that's been on the market for years, and I will have to pay back the government subsidy. How do you guys justify paying $1000 monthly for insurance? I am seriously considering canceling mine. I'm very healthy. And it's 4 more years before I can get medicare. I'm really tempted to take my chances. Four years of insurance at $9500 a year, with an $8000 deductible. I mean, there are a couple of illnesses that could cost more than that, but it's so much money on a maybe.
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Nancy S. ~*~*~*~*~*~*~*~*~*~*~*~*~* You're only 1 workout away from a good mood. |
06-10-20, 01:31 PM | ||
Join Date: Feb 2007
Location: New Jersey
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Fortunately, I married a military man, so health insurance won't be a problem for me. Although I may still keep my insurance upon retiring, just to have options. Sometimes Tricare is not the best.
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"You humans have the potential to be the most wonderful beings there are - if you can get past all these enormous stupid spots you seem to have in your hearts. It's not your fault. You just don't know how to work your hearts right yet. That's why there are dogs." - Jim Butcher, Zoo Day |
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06-10-20, 01:34 PM | ||
VF Supporter
Join Date: Feb 2002
Location: oklahoma
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sorry to be Debbie downer but I would not risk going without health insurance. I had step-step brother who started a business, pretty young, healthy, decided to skip health insurance while he started his business. About a month after he started his business was diagnosed with brain cancer. |
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06-10-20, 01:44 PM | |
Join Date: Feb 2007
Location: New Jersey
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Just rub it in Americans faces lol! I'm just kidding. Seriously, our country has got to do better with this issue. Otherwise, we may all move to Canada when we retire.
__________________
"You humans have the potential to be the most wonderful beings there are - if you can get past all these enormous stupid spots you seem to have in your hearts. It's not your fault. You just don't know how to work your hearts right yet. That's why there are dogs." - Jim Butcher, Zoo Day |
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career, career advice, coronavirus, covid-19, job application, retirement |
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