Posted on 06/25/2018 4:28:51 PM PDT by A Cyrenian
I have my health insurance issue solved. I think I have enough money save (who knows how much you need). It is what it is and I'm as ready as I'm going to be.
For those of you who are retired or have recently retired. Can you send some tips my way?
Any and all notes will be appreciated and heavily considered.
Thanks to you all for your help.
Peace be with you.
Sign up for Medicare before your 65th birthday; if you missed it, sign up ASAP. Buy a good supplemental plan and get Rx coverage. Dental and Vision plans are up to you. Good luck. I just went through this myself.
Confidential Business Proposal
Having consulted with my colleagues and based on the information gathered from the Nigerian Chambers Of Commerce And Industry, I have the privilege to request your assistance to transfer the sum of $47,500,000.00 (forty seven million, five hundred thousand United States dollars) into your accounts.
The above sum resulted from an over-invoiced contract, executed, commissioned and paid for about five years (5) ago by a foreign contractor.
This action was however intentional and since then the fund has been in a suspense account at The Central Bank Of Nigeria Apex Bank.
We are now ready to transfer the fund overseas and that is where you come in. It is important to inform you that as civil servants, we are forbidden to operate a foreign account; that is why we require your assistance.
The total sum will be shared as follows: 70% for us, 25% for you and 5% for local and international expenses incidental to the transfer.
The transfer is risk free on both sides. I am an accountant with the Nigerian National Petroleum Corporation (NNPC). If you find this proposal acceptable, we shall require the following documents:
(a) your banker's name, telephone, account and fax numbers.
(b) your private telephone and fax numbers —for confidentiality and easy communication.
(c) your letter-headed paper stamped and signed.
Alternatively we will furnish you with the text of what to type into your letter-headed paper, along with a breakdown explaining, comprehensively what we require of you.
The business will take us thirty (30) working days to accomplish.
Please reply urgently.
Best regards
Howgul Abul Arhu
/ scam
Seriously, enjoy yourself. You've earned it.
I’ve read that retirement is like starting a small business. Most people pay attention to money coming in, but less attention to money flowing out. You have to track both carefully, or you will get in trouble.
Columnar pads are cheap. So note every credit card receipt, every cash payment, and every bill payment. Just doing this a month or two and wastes of money will leap out at you.
There are tons of coupons for ordinary stuff online. This might save you a thousand every year. “Shop” your local grocery stores. One may have the cheapest produce, another the best prices on bulk purchases, another the best overall prices.
Food you prepare at home is cheapest. Processed packaged food is more expensive. Restaurant food is most expensive.
Getting out of debt is crucial. No mortgage, no car payments, and the credit cards zeroed (or zero-able; if you use one for monthly bills like I do, that's sometimes hard to track). Someone has already given excellent advice on signing up for Medicare on schedule and getting supplementary insurance. If you spend some time shopping that can turn from prohibitive to quite affordable, but it's a full time job to do that detective work. The local Senior Centers can help you there.
And let the To-Do list roll! I just finished a bathroom remodel I'd been putting off for years because everything just sort of fell together. And don't lose touch with your co-workers. They're going to have as many questions for you as you do for us. Good luck!
I always wonder what early retirees (before 65) do for health insurance.
You’ll find time goes even faster once you’ve retired. Main thing is enjoy not having to be in a certain place at a certain time...except maybe for doctor appointments. And now that you’re old, you can blame any mistakes you make on old age.
LOL!! Not for me it wasn't. I worked in a state prison.
We have Medicare advantage and save a ton of money. We payno premium.
We have Medicare advantage and save a ton of money. We payno premium.
Every day is Saturday morning - have a good time......
LOL
Hey, I work with retired people. I always tell them to answer this way ...
“Volunteer? Well, before I do any of that....need to take a year off and relax”
You can thank me later for that tip. They’ll be after you.
I was fortunate to be able to retire early over 25 years ago. All I can say is that you have to find your own way. We are all wired differently. I’ve seen guys who were completely lost when they stopped working. Others were quite happy getting up most days without a plan.
Assuming money is not a problem, you’ll find there are endless choices on how you can spend your time. You’ll eventually figure out what’s best for you. Enjoy.
I have been retired for a few years, started social security as soon as I turned 62 last year. Made some good money as contract computer programmer. Wife just retired with a school system pension and health care. We have been blessed by God and give back to our church by volunteering both of our skill sets. We help out our kids (but not too much) and play with the grand kids. We do some traveling and enjoy life while we can.
I retired last year, worked contract for awhile, and am retired full time — for now. I immediately volunteered with a local historical park and will do more volunteering at other places too. If I wanted to work contract or full time again I’m sure I could. My California pension pays my mortgage and since I moved back to less expensive Texas, I do fine. Thanks to President Trump I enjoy checking my 401K each day although I don’t touch that.
What’s helped: Decluttering, lots of Salvation Army donations, getting rid of office clothes, realizing I pretty much have all the “stuff” I need, Buying at Sams or Costco. Eating out less unless it’s wirh friends. Getting healthier. Getting a Roku box and dumping Dish. Visiting friends and relatives around Texas. Making big travel plans - soon I’ll take my third London trip since retiring last July. Cleaning house and gardening. Using online apps for learning a new language or two. Online university history courses. Getting things done on weekdays when stores, movie theaters and restaurants are much less crowded.
I appreciate not having to ask a boss for time off — just having to ask the pet sitter before travel. These are the times to enjoy life!
I’m near retirement age. Want to keep busy? You can volunteer in a hospital or nursing home. They always need the help.
A cousin of mine,a former Marine,recently deceased,put in thousands of hours at a local VA hospital in his long retirement.
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Hope you have enough and don’t have to worry about outliving your savings
And remember that 85 percent of the Social Security is taxed as ordinary income. It’s like you keep paying into SS even as you draw from it.
Yup. That’s something you can always do.
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