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Old 13th June 2014, 07:55 PM   #171
TheGimp is offline TheGimp  United States
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Housihng around here market here is still pretty stagnent. My house (2000 sqft, or about 180 sqM)was recently asessed at only 5.4% over what I paid 12 years ago.

That said, it needs a lot of work that I have been putting off.

I signed separation papers with my spouse yesterday. She will take a very large part of my retirement savings, considering we were only together 12 years and have no common children.

On the other hand I do get to keept he house which I had purchased before we were married.

Terms of the separation require me to pay for life, or until she re-marries which is a very low probability.

Best case I can retire at 68, even though I qualify to retire already and reach full retirement (66) in three years. I'm 63 now.

I may work till I'm 70, if I don't get laid off before the as I calculate that by using a loophole in the terms, I will be able to stop paying alamony by doing so.
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Old 13th June 2014, 09:32 PM   #172
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Ah yes... retirement....

Having retired less than a year ago, @63 from a health care management (revenue cycle for $30M+ multiphysician practice..ugh) I was confronted in April with the BIG C, so all the money saved, future planning, whatever seems pretty much irrelevant...

That said, seeing as I have a weirdoma form of unusual sarcoma, that responds in Wac-A-Mole fashion, I've had a sizeable chunk of my left upper arm removed, and am scheduled for 32 focused high dose (64 grays for those wondering) radiation treatments to lower the odds (from 35% to maybe 3.5%) of recurrence.

I currently am NED, which means no evidence of disease, there is no remission or cure with this type, just NED.

7 weeks living in an RV near the treatment center for daily fractional doses @ 7:20AM... 3 hours from home and not sure obamacare is gonna cover any of the $100,000.00+ cost, so we're calling this my Radiation Vacation..... everything else is on hold.

Life goes on, though... at least for now.

John L.
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Old 13th June 2014, 09:40 PM   #173
SY is offline SY  United States
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And I thought my last divorce was bad! John, you put things into perspective.
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Old 14th June 2014, 03:01 AM   #174
TheGimp is offline TheGimp  United States
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Hey, divorce is easy to recover from. Health is another matter.

Best wishes John.

I've started riding a bicycle several times a week on an old railroad bed that is being converted into a walking/biking trail (Tweetsy trail - The Tweetsie Trail - Connecting Johnson City and Elizabethton ).

I've got degenerative disk disease of the lumbar vertebrae and other ailments (From being hit by a car head on while riding a bicycle) which plays hell with riding but I'm hoping that I'll strengthen my back and abdominal muscels enough to offset any damage done riding.

Today I rode 17.5 Miles from JC to the Covered Bridge and back, averaging 8.8m/h.

By the way the site that claims flat grade is pure BS. a lot of it is 3%grade with a max of 6% grade for over a half mile going past the old quary.
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Old 14th June 2014, 03:32 AM   #175
RNMarsh is offline RNMarsh  United States
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Retirement. short and long range planning ---- long range... You MUST get a property/home of any sort you can afford...paid off or you will never make enough money in retirement to pay mortgage/rent and live also. And, it takes a long time to pay off a house/home/condo/tent. So you have to start saving early enough for the down-payment. Then when you do have your place paid off... all that monthly money goes into FUN.

I left the 9 to 5 Work-a-Day because the pay was too low for my long range plans. By age 50, I never had a 9-5 job ever again. Now I am 68 and retired. It just takes planning and some luck. But retirement is not all it is cracked up to be... boredom and less activity leads to more health problems fast etc. IMO it is best to stay working at something not stressful. Or, be able to have hobbies you enjoy. but in the end... it all comes down to People as being the most important.... esp a few close friends and what you can do for others who are still struggling. And, stay in present time... enjoy everyday you wake up above ground.

-Richard Marsh

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Old 14th June 2014, 09:00 AM   #176
SY is offline SY  United States
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Quote:
Originally Posted by TheGimp View Post
Hey, divorce is easy to recover from.
Not in California. It's a life sentence there.
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Old 14th June 2014, 12:39 PM   #177
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In post #155 I said this:

Quote:
They shed 100,000 employees in a 10 year period. Somehow, I managed to stay. Now a world market leader in their remaining businesses, the employment outlook is relatively stable.
About 18 months later I find myself "retired." The process of spinning off, and exiting businesses continued until there is only one core business unit left. Despite being the clear market leader in a captive market, at time where the technology is due for some major advances, the engineering workforce is being severely cut back. They made it clear that the older, higher paid workers were no longer wanted, and offered a targeted buyout. I was one of the targets, so I took the money and ran. Most of my friends who decided to stay have been laid off.

The cost of living in South Florida is ridiculous and rising, and there is no prospects of employment for a 61 year old engineer in an area where all the tech companies are laying off. So, I filled a 22 foot Penske truck with most of my stuff, and drove it to rural West Virginia. I will repeat the process one more time next month.

I will figure this "retirement" thing out pretty quick, but the first 3 months have been non stop heavy work, either moving, land clearing, or dealing with the details of having a house built. It will probably be that way for the next year or so.

Quote:
I've got degenerative disk disease of the lumbar vertebrae
I also have degenerative disk in two lumbar disks. It appears hereditary since both of my brothers have the same issue. The specialist I worked with about 15 years ago wanted to do surgery, but I refused. Too many people got no relief, or got worse long term, from the surgical procedures done at that time. The techniques have improved a lot in 15 years.

The specialist and I sat down and discussed lifestyle changes, and the number one red flag was bicycle riding. All of the shock and vibration that the bike's rear tire is transmitted through the seat right into the lower spine. At the same time the spine is curved due to the riding position creating a small contact patch between the vertebrae and the disk. This creates stress damage on a small area of the disk leading to disks that are wedge shaped, and this was clearly evident on my MRI.

I quit bike riding for several years, but I picked up a used recumbent cycle a few years ago that has a rear shock. I find it much more fun to ride if you are looking for a leisurely ride instead of trying to keep up with the younger guys on their $1000 road bikes!

BTW, Dayton sucked this year. It was the worst weather I have ever seen. In one day we had cold, rain, hail, and high winds. I got pelted with hail 3 times in the same day while trying to cover my tables, and a piece of flying junk left a gash in my forehead during one of the freak windstorms.....but I will be back next year.

Good luck with "retirement" guys. There are plenty of new challenges to deal with, but life is what you make of it, so......full speed ahead!
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Old 15th June 2014, 01:46 AM   #178
TheGimp is offline TheGimp  United States
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Quote:
Originally Posted by SY View Post
Not in California. It's a life sentence there.
Yea, well I have to pay alamony for the rest of her life. Sort of.

I have to insure that she gets the same amount she is getting now minus $100 (1800/mo), after she goes on SSI. If I work it right I will be down to less than $400/month at that time. There is no provision for inflation, so as time goes by and SSI gets increases, my payment will go down. If she and I both live long enough, I won't have to pay anything.

I have to pay all medical expenses for 5 years, including deductables and co-pays. But, there is a limit of $5000 per year.

It certainly could be worse.
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Old 15th June 2014, 01:50 AM   #179
SY is offline SY  United States
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Yes, it could. Mine is far, far worse.
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Old 15th June 2014, 01:52 AM   #180
TheGimp is offline TheGimp  United States
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George, that is my biggest concern. I'm looking for a bike with good shocks to minimize the dammage. The bile/walking path I'm riding on is improving day by day. They have been running a roller over it this past week and packing the surface. It is not near as bumpy as it was a week ago. They are going to put crusher run on it in the next month, and then pea-gravel mixed with portland. Hopefully it will be pretty smooth when they are done.

I've actuallty had less back pain in the last week than I have had in years. Downside is my hip is worse, and I think the shorter right leg from surgery after a bike accident 16 years ago, is catching up with me.

Growing old sucks.

Sy, sorry to hear that.

I never went to court. I have been trying to work out an agreement for 6 months. We went to mediation last Thursday, and worked out the final kinks. I really didn't want to go to court and have to let a judge decide my future.

Last edited by TheGimp; 15th June 2014 at 01:54 AM.
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