Are You Average? What Retirees Monthly Spending Looks Like

Here is a summary of the average expenditures - NOT luxury living, just comfortable.

If you have some time before you retire, here are some ideas for you.

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One Reason to Write

This post sparked mine today. I've been writing (slowly, one anecdote at a time) my memories of my youth, and the stories that I remember being passed down from parents, grandparents, and other long-lived people. I was fortunate - in my mother's family, old age was the default - my grandparents were born in the 19th century, and passed on stories of their youth. My father's family was equally long-lived, but not as talkative (WV vs. Irish-descent). Still, I have an aunt by marriage whose passion is genealogy, and who had compiled a bookshelf of clippings, copies of newspaper stories, and charts of the family, back to pre-Colonial times. If you aren't on Ancestry.com (and, I don't blame you - the price has risen shockingly!), you might want to use a word processing program or app - Google Docs is easy to use, and can be shared with others easily - to write down your memories - personal, or what has been told to you. If you'd rather, set up a videocam, and...

Stop! Just - STOP!

I do understand that furniture designers have to make a living, but - this is just wrong . I've tried "ergonomic" furniture. I've sat in those hard-seated chairs and couches. They are NOT comfortable. They are NOT conducive to working on for extended time periods. They are NOT what I want. Apple LOVES them - well, yeah, they would. 20-somethings can sit anywhere comfortably. What I want is furniture that fits a senior, with a bad back and aching knees, and a need to get to her feet INSTANTLY, when the call of nature sings out. I don't need a seat so hard that my butt goes numb. I've seen seats like the ones shown, and a LOG has more 'give' to it. I don't need a couch for "two" that can only fit MAYBE 1-1/2 - IF they are on the 1 meal a day, semi-starvation diet (SO healthy!). I don't need a fixed table that encroaches on my already-diminished seating space. That "table" won't allow more than a small laptop/ta...

WEP, Explained (Sort of)

The idea behind WEP - the Windfall Elimination Provision - is that a FEW people were taking advantage of the ability to get a government pension, then take a non-government job, and get Social Security benefits, as well. According to Wikipedia: "The Windfall Elimination Provision (abbreviated WEP [1] ) is a statutory provision in United States law [2] which affects benefits paid by the Social Security Administration under Title II of the Social Security Act . It reduces the Primary Insurance Amount (PIA) of a person's Retirement Insurance Benefits (RIB) or Disability Insurance Benefits (DIB) when that person is eligible or entitled to a pension based on a job which did not contribute to the Social Security Trust Fund . While in effect, it also affects the benefits of others claiming on the same social security record." How it affects me: both my husband and myself worked primarily in teaching jobs ove...

At Last! Retiring for GOOD!

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