Starbuc71 162 Posted March 16, 2015 Author Report Share Posted March 16, 2015 one day....one day I may have that amount of money.... not any day soon I might add I'm with you. I'll be broke after this week Quote Link to post Share on other sites
Retired and Happy (Ken) 101 Posted March 16, 2015 Report Share Posted March 16, 2015 But Jen and SuperGeek: Aren't you raking in piles of money running this board? Quote Link to post Share on other sites
CCIntrigue...aka Gwen 547 Posted March 16, 2015 Report Share Posted March 16, 2015 one day....one day I may have that amount of money.... not any day soon I might add Same here. I'm on a fixed income, and I have no rich relatives who will leave me a ton. Quote Link to post Share on other sites
Travisma 1,317 Posted March 16, 2015 Report Share Posted March 16, 2015 Same here. I'm on a fixed income, and I have no rich relatives who will leave me a ton.Fixed income and a climbing outgo! Quote Link to post Share on other sites
CCIntrigue...aka Gwen 547 Posted March 16, 2015 Report Share Posted March 16, 2015 Fixed income and a climbing outgo! You're preaching to the choir ... Quote Link to post Share on other sites
Retired and Happy (Ken) 101 Posted March 17, 2015 Report Share Posted March 17, 2015 We're also in that choir. But we're goin' to win the lottery when it gets big enough. Quote Link to post Share on other sites
Travisma 1,317 Posted March 17, 2015 Report Share Posted March 17, 2015 I had always heard that as you approached retirement age, your monthly expenses dropped. That sure isn't true in my case. Yes my house is almost paid for, but the insurance, taxes, and upkeep on it keep rising. Food, cable, cell phone, electricity, Fort sites, etc. have not dropped, in fact they have all climbed steadily. I thought I had a decent retirement plan, but the million $$ that was supposed to be in there has never materialized with the crappy economy and coupled with no raises in 2+ years, makes it look like I'll be working a few more years instead of relaxing and enjoying my grandkids. Quote Link to post Share on other sites
oft013 23 Posted March 17, 2015 Report Share Posted March 17, 2015 I had always heard that as you approached retirement age, your monthly expenses dropped. That sure isn't true in my case. Yes my house is almost paid for, but the insurance, taxes, and upkeep on it keep rising. Food, cable, cell phone, electricity, Fort sites, etc. have not dropped, in fact they have all climbed steadily. I thought I had a decent retirement plan, but the million $$ that was supposed to be in there has never materialized with the crappy economy and coupled with no raises in 2+ years, makes it look like I'll be working a few more years instead of relaxing and enjoying my grandkids.Boy I could have written this....My life in a nutshell. Quote Link to post Share on other sites
Starbuc71 162 Posted March 17, 2015 Author Report Share Posted March 17, 2015 At least you can mention the word million. Most retirees these days have an average of $150000 or less Quote Link to post Share on other sites
ependydad...Doug 176 Posted March 17, 2015 Report Share Posted March 17, 2015 At least you can mention the word million. Most retirees these days have an average of $150000 or less That's terrifying. At 34, I have just shy of that already. Quote Link to post Share on other sites
red...Susan 37 Posted March 17, 2015 Report Share Posted March 17, 2015 We had our kids start their retirement saving at age 21 when they graduated college. We have good retirement savings but we have lived a really frugal life with a good income. Quote Link to post Share on other sites
Travisma 1,317 Posted March 17, 2015 Report Share Posted March 17, 2015 At least you can mention the word million. Most retirees these days have an average of $150000 or lessI started my retirement when I joined the Post Office 30 years ago. Before that was a series of dead end jobs that offered very little benefits let alone retirement. I came in under the "new" system where you could put a varying % away every payday up to a max of I think 10%. The older system was the PO put money aside for you. We were shown all kinds of neat charts and graphs about how we would all be millionaires by the time we retired. I put in as much as I could afford while still paying bills and supporting the 6 of us. After a few years I was doing ok, then when Wall Street got greedy and screwed everyone we all took a big hit. I don't think any of the 99% have ever really recovered from that fiasco. Now I'd be thrilled with being a 1/2 millionaire! Quote Link to post Share on other sites
Starbuc71 162 Posted March 17, 2015 Author Report Share Posted March 17, 2015 That's terrifying. At 34, I have just shy of that already.Your the smart one and must be a saver. I have been at my job for 22 years and the company does not provide shit. Now granted I could save more, stop buying a new TT every couple years , camp at state parks vs. $140 a night fort pads, etc. but I choose to live like we do. We have a small savings and only have a mortgage, nothing else. So I guess we're ahead of the game compared to most people.Now the government jobs at least provided a pension (anyone remember what tha word is?). That word is non existant in this day and age. Hell the majority of 401ks nowadays does not give you a match amount until the CEOs see what their profits were for the year, then decide what they will match. I hope all you folks over 65 thank me for your Social security because when I get that age it will probably be gone. Talk about a government run investment plan for younger folks with probably no return on investment Quote Link to post Share on other sites
keith_h 420 Posted March 17, 2015 Report Share Posted March 17, 2015 Looks like we are going to have a pretty big choir. I'm on a fixed pension. The DW has a few years left to qualify for retirement from the school system but has had one raise of $500/year since 2009. Monthly income isn't so much a problem as health insurance is. I have some coverage assistance through my former employer but it runs out this year and I will have to pay the full amount myself. This turns out to be about $600/mo for a high deductible plan. Same deal with my wife's plan as they changed it some years back that dependents have to pay full cost. While I can do better with an ACA plan we make too much to qualify for subsidies so the savings are only $150/mo or thereabouts. While we can afford it I rather not have to dip into my investments until Rene retires. So as I've run out of stuff to do around the house and need keep busy I've decided to work part time until I qualify for Medicare in about 10 years. Hopefully I will also be able to get in on group rates even if it comes out of my own pocket. Quote Link to post Share on other sites
dblr....Rennie 224 Posted March 17, 2015 Report Share Posted March 17, 2015 I had a union job for over 37 years and recieve a decent pension so I guess I am still one of the lucky ones!!!! Quote Link to post Share on other sites
Travisma 1,317 Posted March 17, 2015 Report Share Posted March 17, 2015 I had a union job for over 37 years and recieve a decent pension so I guess I am still one of the lucky ones!!!!You are. My late neighbor had worked for either Firestone or Goodyear in the NE. He retired with a great pension and lifelong health coverage for him and his wife with no out of pocket expenses. I think those days are long gone. Now all a company cares about is how much the CEO, their cronies, and the stockholders get. Quote Link to post Share on other sites
Starbuc71 162 Posted March 17, 2015 Author Report Share Posted March 17, 2015 You are. My late neighbor had worked for either Firestone or Goodyear in the NE. He retired with a great pension and lifelong health coverage for him and his wife with no out of pocket expenses. I think those days are long gone. Now all a company cares about is how much the CEO, their cronies, and the stockholders get.Absolutely right!!! Quote Link to post Share on other sites
Starbuc71 162 Posted March 17, 2015 Author Report Share Posted March 17, 2015 Talk about getting off topic from golf carts and trailers in he overflow to how bad retirement and government is. Got to love fort fiends Quote Link to post Share on other sites
Grumpy and Grandma 740 Posted March 17, 2015 Report Share Posted March 17, 2015 Talk about getting off topic from golf carts and trailers in he overflow to how bad retirement and government is. Got to love fort fiendsThat's what makes this place so great. Quote Link to post Share on other sites
mouseketab.....Carol 1,261 Posted March 23, 2015 Report Share Posted March 23, 2015 When your old like us you do. :rofl2: And we know others not as old who have done it too only they camped for a day or two, cruised and then came back for a day or two.$ wise, when we cruised in 2011, it would have actually been cheaper to bring the camper, leave it on the site at the Fort, then come back to the Fort, then the money we spent at the "pre-night" hotel and POFQ....... but with the traveling I was doing at the time, having Rick hitch the camper, bring it down, then get it back home, wasn't happening Quote Link to post Share on other sites
Travisma 1,317 Posted March 24, 2015 Report Share Posted March 24, 2015 Talk about getting off topic from golf carts and trailers in he overflow to how bad retirement and government is. Got to love fort fiendsHijacking back to the original theme of the post.Big controversy over on that other FB site. The golf cart guy posted about why the carts were there and that he doesn't rent at the fort.I only read a few posts, but he's getting attacked because he listed his companies name (advertising) and he's lashing back.Great drama! Quote Link to post Share on other sites
LONE-STAR 370 Posted March 24, 2015 Report Share Posted March 24, 2015 Hijacking back to the original theme of the post.Big controversy over on that other FB site. The golf cart guy posted about why the carts were there and that he doesn't rent at the fort.I only read a few posts, but he's getting attacked because he listed his companies name (advertising) and he's lashing back.Great drama!cool Quote Link to post Share on other sites
h2odivers...Ray 952 Posted March 24, 2015 Report Share Posted March 24, 2015 Well it looks like this guy is selling carts, not renting them. Lettering your vehicle like this gives you all sort of potential write-offs, as it's considered part of your advertising expenses for your business. But it still has to be not so much of a stretch as to convince the IRS if they question it. DH tried to convince our accountant that if we lettered our ATV for my graphic design business, that we could write it of. :rofl2:I'd be willing to bet Disney would have a big problem with advertising a cart rental business this way.My 4-wheeler is a farm use vehicle. Lol. Quote Link to post Share on other sites
Travisma 1,317 Posted March 24, 2015 Report Share Posted March 24, 2015 That's fantastic, and more power to you.But, companies even bigger ones used to care about the bottom line AND their employees. Everyone was able to make a living wage, and if you worked hard you got ahead, got raises and promotions.Then bean counters got involved, showered CEOs with praises, inflated their egos and showed how they could save $$ buy cutting benefits and shipping jobs overseas.The $$ they "saved" they pocketed and gave themselves bigger and bigger raises.We went from the leading industrialist nation in the world, a true superpower (not just militarily) and turned into a sales oriented, customer service nation.Skilled jobs are dying out, there are fewer and fewer machinists, electricians, hands on skilled jobs.Now a skilled job involves being able to make change if the register acts up, or it somehow involves a computer based position.Don't get me wrong, computer related jobs are important, but a computer can't do everything. No one wants to get their hands dirty anymore.I'm just old and crotchety. I miss the old days when I could tune up my car in the drive way for about $10 and an hours time. Now you need a couple thousand dollars worth of diagnostic tools and $300 worth of parts.OK, rant over. Quote Link to post Share on other sites
Travisma 1,317 Posted March 24, 2015 Report Share Posted March 24, 2015 I just want to apologize to h20divers.... Ray. He's the epitome of the American Dream and I didn't mean to come across that his post was upsetting. He's done things the right way, lived within his means and got ahead step by step. My rant is against greedy corporations (see above). Not that anyone isn't allowed to make $$ and get ahead. Quote Link to post Share on other sites
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