Steve O

Comments:

• Current residents work about 2/3 of the 1990 residents. Also current residents are trained to work for a hospital or hospital based group, not ready to go it alone or leave the AMA ranch . Also after years of practice old physicians are more experienced in all areas. Many Holistic physicians are helpful to older folks because many extra treatment options are considered. My wife is physician. Thomas I wish you luck in the hunt.

  Post: Built for Ease

  Link to comment from May 1, 2021

• college students with a bachelor’s degree will, on average, catch up with non-college workers by age 30—and thereafter will pull ahead. Did the study subtract 4 -5 years of lost wages and the total cost of college including extras insurances, technology, cars,,,,,,,,? I think the study is based on old data or current everyone gets a trophy life. Perhaps the year after HS should be go to work and live independent of parents and pay ALL your own bills for real life experience. In other words go get a job and be totally cut off from others help for one to two years. Then from your savings attend college and pay your own way with part time job. 40 years as supervisor this type of real life experience is what I looked for in a resume. Parents paid for everything and good grades not useful in work force. I took a management science course 1976 where the main project was to do what this study should have done. My situation Master plumber 1975, AAS chemical engineering 1975, working on BA chemistry 1976 what amounts of money will be earned and lost/spent.

  Post: College or Not?

  Link to comment from May 1, 2021

• Yes after an old lawyer experienced in elder law gets you set up properly. Young physicians are not trained like old physicians, watch out.

  Post: Built for Ease

  Link to comment from May 1, 2021

• Yes my mother fell broke arm and hip wearing stupid slippers inside. Now locked up in NY NH for a year no visitors. My mother in law fell broke leg when walking bare foot on ice getting paper from mail box at 7 AM. Both dumb moves cautioned about hundreds of times. Now both are demented one recent NH and one daughters home. Both 95 assume daughters will do everything going on 15 years now. Also do not get me started on not using hearing aids and walkers. My father had a stroke and recovered immediately with the shot. Then he decided to get an operation for minor aneurysm. My MD wife explained the operation was not necessary. I said you just had a stroke enjoy the summer and rest up. So he moved up the surgery to June and had a massive stroke during surgery. He spent the next 4 years in NH complaining. He 84 died at NH after visit home. My father in law ate right and walked daily. He had many more medical problems than the other 3 parents combined and powered thru all with work and responsible actions. A negative word NEVER crossed his lips. He was hospitalized and blood pressure went low due to wrong medication administered at hospital took out his kidneys in a couple days. He 88 died peacefully at daughters home 2 weeks later. We are childless so responsible planning and actions are required every day. Stupid actions result in NH stays repeat a thousand times. Oh your $5000 hearing aid is on the table. LOL

  Post: Built for Ease

  Link to comment from May 1, 2021

• No problem they leave the morphine syringes for mouth near the bed.

  Post: Built for Ease

  Link to comment from May 1, 2021

• Perhaps cash and buy after the trip from cliff to river.

  Post: It’s All in the Mix

  Link to comment from April 17, 2021

• SS as per an actuary example suppose individual would receive: $1500 per month at 62 $2000 per month at 66 $2700 per month at 70 Then calculate using the mortality tables go to 110. The actual mortality adjusted present values are as follows: At 62 $375,138 At 66 $319,110 At 70 $363,561 Notice all the numbers are basically the same. In my opinion forget break even because the following are not considered; subtraction of not taken SS benefit inflation 15% SS federal tax savings Fun when you are younger !!!!! The only reason to wait to 70 is to assure larger benefit for remaining spouse. We split the difference for SS C at 62, S spousal at 65 then S at 70. S waiting to 70 assures larger benefit for C when S passes. The joint survivor pension and S 70 SS yields annual $100 k for C. We retired at S 62 and C 59. Action use 12% IRS bracket to harvest DRIP capital gains tax free until 70. Since 1/1/16 retirement portfolio up by 1 million with (30 S, 60 B, 10 C) Now (15 S, 55 B, 30 C) adjust after the stock cliff falls into the ocean Why play the stock cliff game when you already won, scuba the ocean. Now with scamdemic no travel or scuba so no need for travel money. Planting a large garden for grand solar minimum. 9-30-2015 to March 2020 we traveled nine months each year. This is an excellent example of why we retire to have fun. Now governments take away our freedoms for unscientific reasons. The same evil governments could take away SS for no reason. Another example which closely fit our situation : https://www.gocurrycracker.com/reader-financial-review-scared-death-early-retirement/

  Post: When should you claim Social Security retirement benefits—and why?

  Link to comment from April 17, 2021

• American home shield for house repairs. Have your wife take over the finances now. This year switch husband wife roles to gain experience and confidence.

  Post: Two Words

  Link to comment from April 13, 2021

• Check Weiss ratings.

  Post: A Less Risky Life

  Link to comment from March 28, 2021

• Rick Edelman says never convert IRA to Roth because you are giving IRS money now. Also the congress can change Roth to taxable any time. Some life insurance is not paying because the V is a pandemic.

  Post: A Less Risky Life

  Link to comment from March 28, 2021