OT: Retirement plans
- Thread starter JayDogSmooth
- Start date
Occupational hazard for me.
But I know what you mean.
And you and your friends at MERCK have done wonders for my extended family’s portfolio. On behalf of them…thank you. You’ve earned it. Now go enjoy it.
“The first rule of fight club…”
Come on, man….
trying not to break the rules but can say we were at Pt. Pleasant, posted a pic on Facebook and one of Jackie’s dear friends posted their house was near and we should pop over. We did and 2 hours later, sitting with them on a beach no more than 1 Mike away with almost no one in sight.
I hear that. In the last month my RU roommate of 4 years died, age 58, my cousins wife, age 55 and neighbor age 47.
One of the reasons I choose to stay in my current role too. Freedom to work from home and live at the beach. Quality of life more important at this point in life
Well, Bethanny and surrounding beaches were nicer and less crowded than any NJ beach I've been to or through. Which is what I said to begin with.
I did see that about the 55 and under requirement for a number of the visas. I’m about a year and half away from that cutoff but my wife is a few years younger so that probably gives us a little more time. I do see there is a retirement visa but that one doesn’t lock in until age 66. I obviously went into the wrong line of work! I should have stayed in academia after my post-doc and could have likely qualified for the skilled labor/position of need route!
The retirement visa could be a very good option. Didn't know about that. We got in initially on a "talent" visa originally designed for movie people and the like, but the universities use it as well.
There was a replenishment project for Belmar, Avon and the northern part of Spring Lake a few years ago and that’s was ended up there.
This is how I feel. I know way too many people who by the time they retired couldn’t physically do what they planned on doing in retirement
For the best beaches in the area go to SNJ and Cape May County. Night and day different than northern beaches. So much softer and powdery. NNJ beaches are, well, NNJ beaches. :)
There are no beaches in North New Jersey.🤷♂️
The problem for a lot of people is poor diet and lack of exercise. Peter Attia, MD devoted a whole podcast to how to exercise for longevity. A combination of strength, balance, Zone 2, and Zone 5 training (it's not as complicated as it sounds) makes a lot of sense. It can be hard to find the time to do some form of exercise every day, but even if you are pressed for time and do a micro workout of 3-4 sets of pushups to failure and some air or wall squats (or lunges), you have at least done something to slow (and/or reverse) sarcopenia. I often run into mountain bikers in their 70s in Arizona who shred guys in their 30s and 40s.
Yes, it is much easier said than done,but there is no reason to let yourself deteriorate in your 50s and 60s to become frail, weak and prone to falling.
Rule #1 - Maintain normal weight
Rule #2 - Be active 3-4 times a week
Rule #3 - Don't smoke, drink too much, or do any drugs
This is 95% of the battle.
Social security income benefits are not considered income for NJ state income tax purposes. In addition, if your total income is below $150,000, you can exclude a portion of your pension income and (if your pension income is below a certain percentage of your income) a portion of other retirement income. See https://www.state.nj.us/treasury/taxation/njit7.shtml
LOL! Just realized what you were saying. NNJ beaches means beaches north of AC. Sorry for the confusion.
BTW, if you are not eligible for social security and your income is below $150,000, there is a special exclusion up to $6000 of your retirement income. See the same link.
I tried my best to get through this but 13 minutes in and I turned 100...lol
Agree but genetics also play a huge role. Some people eat horribly and don't get heart disease. Others exercise and eat right and die suddenly from a heart attack. Life insurance companies are very interested in the longevity of your parents and siblings.
They are in a tizzy with mine. Mom passed at age 40 and Dad passed at 92. All siblings over 50 and alive. You would think they would reason Mom was the outliner as she did die of cancer with a 3 pack a day habit most of her short life.
I'd think given these facts, that you are set for a long life. I hope that turns out to be true. Men in my family rarely see 70. Just how the cards were dealt.
Yes, for those with poor genetics, we can do everything possible with diet, exercise, and if necessary and inclined, pharmaceuticals to beat the clock. There are enough screening tools available to avoid the major causes of death: (1)heart disease- regular checkups, bloodwork (especially testing for apoB (not just a standard cholesterol test), and getting one or both a a carotid intima-media thickness test (CIMT) and coronary artery calcium scan to check for buildup of plaque (former) and calcified plaque in the walls of arteries; (2) Cancer is a tougher one, but lung cancer is a leading killer (don't smoke or quit) and the second largest one is colorectal cancer (go for regular screenings). Those top 2 are 24.2% and 22.5% of deaths. After than, the causes of death are single digits with next being unintentional injuries (7.4%), which can be prevented by wearing a hockey uniform everywhere you go, and then the causes of death get to 5.2% and below.
EDIT- sorry for the slight thread derail, but what is the point of retirement planning, if you are not going to enjoy your retirement. A lot of things can happen, we are doing a lot now with diet and exercise and regular screenings (CAC, colonoscopies every 5 years, blood work), diet and exercise so that we can continue to enjoy mountain biking and hiking well into our later years--just hoping I did not invoke the Board jinx here. 🥶 Sometimes bad stuff just happens despite our best efforts. If it does, we did our best and tried.
My parents smoked 5 packs of cigarettes a day between them.
They both quit years ago.
Both turn 89 this year. Mom is completely sedentary but her mind is in the top 1 percent of people her age according to her doctors
Dad walks at least 5 miles a day but can’t hear a thing
That is one reason I continue to work
2 North Carolina beach houses collapse into Atlantic surf
Two beach houses have fallen into the waves along North Carolina's coast, U.S. National Park Service officials said in a statement Tuesday. The unoccupied homes were located along Ocean Drive in the Outer Banks community of Rodanthe. The park service confirmed both collapses Tuesday and has...
Yeah, people can do all that stuff. Or they can relax and enjoy the H&B lifestyle.
It's a choice and everybody needs to make it.
Somehow, @tom1944 you quoted @patk89 but it was attributed to me.
Which is kind of funny since we have the same initials and similar (but not exact 😉) graduation years…had so much fun I didn’t want to leave.😝
My Dad lived to 92, this NYE. After he had his eyes done (cataracts?) he was 20/20, pretty sharp mentally but couldn’t really hear too good, even with hearing aids. My Mom is still here and just turned 89 last month…we’ll go for a walk in a few. She smoked into her 30’s until he told her to stop.
My Dad’s sister is 90 but looks to be in her late 60’s or 70’s. The funeral director couldn’t believe my Dad was 92. He looked pretty good too.
My Mother’s dad lived with us growing up and he lived to 89.
So hopefully I got that going for me. 🤞
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A house in Stone Harbor being built collapsed from the wind recently
2 North Carolina beach houses collapse into Atlantic surf
Two beach houses have fallen into the waves along North Carolina's coast, U.S. National Park Service officials said in a statement Tuesday. The unoccupied homes were located along Ocean Drive in the Outer Banks community of Rodanthe. The park service confirmed both collapses Tuesday and has...www.yahoo.com
Yes we know by now, God only built Montgomery and Stone Harbor all other places in NJ are the spawn of Satan.
"Age is just a number. Go Betty!! 73 years old and still shredding British Columbia's North Shore.
Septuagenarian Betty Birrell Shreds in 'North Shore Betty' Film
Proving age is just a number, 73-year-old Betty Birrell believes life is a playground — and you’re never too old to send it. Proving age is just a number, 73 old Betty Birrell believes life is a playground and you’re never too old to send it.
gearjunkie.com
The wind has been ridiculous down here the last 4 days. Non stop 30 MPH, gusts of 40+
"Age is just a number. Go Betty!! 73 years old and still shredding British Columbia's North Shore.
Septuagenarian Betty Birrell Shreds in 'North Shore Betty' Film
Proving age is just a number, 73-year-old Betty Birrell believes life is a playground — and you’re never too old to send it. Proving age is just a number, 73 old Betty Birrell believes life is a playground and you’re never too old to send it.
Didn't remember that particular story but sounded very familiar.
Gear Junkie's been on that wavelength lately ...this was the one I was thinking of, 96 years old, 96 days of skiing this winter:
Still Shredding: 96-Year-Old Skier Nails Goal, Skis 96 Days This Season
At almost 100 years old, Utah native Junior Bounous has skied more lines in a single season than most of us could ever dream of.
gearjunkie.com
