Hi K,
I had read those figures myself about SS. I think it was a good idea at the time, but it was never meant to be the only thing retirees lived off of. Of course that is not how it was advertised to people back when they started it. Trust me, I wish I had invested, or at least not cashed in my 401k from my previous jobs before going to work at NPC. To be honest at the time I cashed it in, there was only a couple of grand in it, and I needed the money. I guess if I would have had some common sense I would have gotten a degree, then maybe I would be a little better off. The thing is I got where I was not from a degree but from just working hard, and doing a good job. Another fact is I got my foot in the door, and educated myself with the credit card industry as much or more than a degree would have. I learned from practical experience. The sad fact is I was one of those people that figured I would start planning for retirement when I hit around 40. Unfortunately I did not count on coming down with our little bug. I am not sure what Aetna has in store for me, but if my luck holds true, it will be a pain in my butt..hehehe.
Your right K, everyone needs to impress on their kids to take planning for retirement seriously now, because SS was not designed to take into account people living longer. I mean if you think about it, before Gleevec and these other new drugs, none of us with CML were suppose to live as long as we have. I just get so angry when I see things on TV about wealthy people buying $1,000 bottles of champagne, and when I see them talk about how the middle class is disappearing to live a lower class and higher class. If we would stop sending aid to countries that don't like us anyway we might just have money to help those in need here in the states. I am sorry to go off on a rant, but when I see people dropping $10,000 without a thought it just kills me, because that little bit of money would go along way for someone like me, and I am sure others in our group as well. I'll stop ranting now, everyone take care,
Terry
On 10/16/06, IAintFinishedYet <[EMAIL PROTECTED]> wrote:
Hey Group: (FYI)I agree 100% Pat, "HI" haven't seen you in post in awhile; I'll email you later. I've taken Oscal pre our bug years for my Otho diseases. I found the generic version Oyster Shell with Vitamin D & Calcium at WalMart to be helpful and the least expensive for Charley horses. Soma proved to be the best for me pre our bug for muscle spasms/cramps; Flexeril tends to make everyone drowsy and some users have to take it at bedtime for this reason. Magnesium, Potassium (bananas), Omega 3 (fish oils), and Iron are other supplements that I know we can take without problems. Grapefruit is a no-no with our gold, however, I read in post that some are able to tolerate.SSDI is National as opposed to State Funds, therefore, when you are approved it is by the Federal Government and private insurance company's aren't known to challenge the feds ruling regarding employment/disability (after all, the feds make the laws that they have to abide by and/or face punishment. Terry your case is different with Aetna providing the attorney for you and paying them; I'll be sending you an email later. Dave/DOV is absolutely correct, read and understand all the information regarding disability terminology as it pertains to each of individually.I was classified '50% disabled' in 1975; which had nothing whatsoever to do with my particular career. In the year 2000 an SS attorney told a girlfriend of mine that a person had to be at least 85% 'disabled' to perform any type of 'work' regardless of past employment and education. In 2006 -- 75-85% will be denied upon filing automatically. By 2040, SS will be obsolete, therefore, those entering the workforce as adults today will need 2-4 IRAs, or other Insurance, Mutual Funds, Certificates of Deposit etc. (CDs are the best~same as Cash per their availability). Monies available to them for their existence after they are no longer gainfully employed due to age, health, etc. (We no longer live 40-60 years, as our life expectancy increases, so will the retirement age). From 60 to 62 to 65 to 67 to 70 or 72. More Centenarians (sp?) are celebrating birthdays and Reagan was president at what age???We are living longer, therefore we are working longer. Check out Meijjer's and WalMart's, those retirees are working to subsidize income due to death of a spouse, cost of living, etc., The monies they need now to survive economically, that they didn't prepare for financially during their 30-40 year work history. Both parents working will never again be for 'xtras' it will be for 'necessities'. I tell my children, tell your children and grandchildren. Well, enough babbling, sorry I got off the subject; but I kinda feel it was necessary so I left it here for all (my 2 cents).Take care, all are in my prayers.
"K""I AIN'T FINISHED YET"!!!
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