60+ year old thread.

I am sending all my prayers and good vibes in your direction Tom! These tests are sure getting harder.

 

I admire your light hearted way of keeping us informed during what must be a very difficult time.

Prayers for wife and you.

 

We need a sending prayers emoji...

 

Finally got mine about a month ago, after waiting almost 9 months

It packs in to a bag that's about a foot square by 4" deep, so it's not too bad.

Took me 9 months to get mine.... but I wanted to use insurance. It was the second place I went to that had the shorter waiting list. Mine has the SD card. Now to remember to take it with me to the doc's office.

for a speedy recovery for your wife and hope you had no lasting damage done in your fall. Hope the doggo kept you good company while on the floor.

 

Evening all:

Sue, ready to go back to work yet, you should have figured it out by now that retirement is tough!

Again, wishing all the best for the wife Tom!

 

All our best to your wife and yourself, Tom.
Prayers headed your way.

 

Hi Carl, IF I could go back and just do part of my old job, and didn't have to deal with certain people, I'd go back mainly to see people I'm liking the no stress!!! If I "survive" tomorrow night, this will be the longest in 21 months with no ER visit!!!

 

Good morning fellow Porchatonians!!

Sending prayers for your wife, and you, Tom @roundrocktom !!

 

Tom: Both you and the wife are in my payers.

Off to early voting. My day 4 Early voting day 8. Visit with the doc went well yesterday. I have a chest ultra sound scan scheduled for August 4th. The Doc was informative and on the same page my wife and I are on.

 

Morning 60+
I’m still taking it easy on my back .
Couple weeks ago it was my lumbar spine which is still sore now my thoracic spine and rhomboid muscle are hurting . Been taking cyclobenzaprine but that stuff puts me out

 

X2

 

Tom, I'm so sorry to hear of your wife's continuing issues. We continue to send all of our good thoughts, vibes and wishes your way. In the meantime, you have take care of the caregiver! Keep doing what you can to take burdens off of yourself. I hope that sharing with us helps you in some small way.

 

Good Morning Porch Pals & Gal! Should be a good day - someone took the old frig off the sidewalk first thing. There's plenty of DIY junk collectors here, so gone in 12 hours is fine. Heat is really slowing down putzing - didn't get to the table yet (Today!), and even getting in the pool at 91* water isn't as wonderful as mid-80's. There were some 90's in our forecast, but then they decided ....nah...
Have a great one everyone.

 

Getting a little rain here today and we badly need it. That means I'm driving the taco! Fueled it up last weekend after 5 weeks, only put 27 bucks in it. I'll keep riding the ebike to work when its not raining.

 

Good morning fellow Porchatonians!!!

 

Early voting in Maryland ends today. My shift finished yesterday. Primary election in next Tuesday. 5 days to get ready for the Primary.

Today is about relaxing. Going to take 10 pond fish over to a friend for her pond. I also need to get my Judges manual ready for Tuesday.

 

Morning 60+

 

Good Morning Porch Pals & Gal! It's mowing day. Think I'll let it warm up.... Outside doing stuff all day yesterday. Pretty happy with this year's coat of paint on the table - might throw some spray wax on it!

 

I learned something interesting today that may be of value to some of us in this group. As you all are painfully aware due all my carping and whinging, I've been trying to decide whether to take Social Security now or wait until 70. The simple math is that every year you wait increases your monthly payment by 8%; that's not a bad return on investment, and it was enough for me to delay starting SS. However now there is a new item in play, namely that the 2023 Cost of Living Adjustment (COLA) is reportedly going to be 10.9%. That's more than 8%. So my question was, should I start a little early and take advantage of that 10.9%? In other words, am I leaving money on the table if I don't start before 2023? I looked and looked and asked and searched and just never found a decent answer.

As usual, it turns out I was asking the wrong question! My question should have been, "If I defer taking SS, does the amount I eventually get include COLA adjustments?" The answer is YES it does. COLA adjustments are factored into the SS amount every year after a person turns 62. That's a pretty big deal because it means that deferring the date you start taking SS causes your eventual payment to go up by 8% PLUS the COLA percentage each year. For me at least that is a handy piece of information. Hopefully someone else finds it useful too.

 

It goes up by the COLA regardless of if you take SS now or later. So the difference is 10.9% (IF that is what it will really be) of the 8% you get by delaying.

I retired at 52 and bought a ranch. Then I took SS at 62... and I bank over ten percent of it every month. But then I never retired with debt or a need for things I don't really need.