Possible retirement at 54/ Bill's Medical Malady
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Addicted
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Joined: 19 Oct 2009
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Location: london uk
Mon Jan 21, 2019 4:07 pm quote
Hi Bill, I've just caught up with your current status. A bummer and an opportunity...
Imagine how any of us would feel if you could take early retirement, and were reasonably set up to afford it. Sounds great apart from your health and the demise of your folks. As you know I'm retired, 67, and still hip and still alive and kicking, but I was semi-retired by 53, like you. But I was fit and healthy and was enjoying a big varied life in advertising... but for people like me, there is usually no future for a creative like me after 45. I'd say stay as fit as you can, cultivate new friends, in age, and geography and of different persuasions.. Take up new opportunities to develop skill and fun pursuits. I took up sailing, and sailed around the med and crossed the Atlantic. improved my cooking with cooking schools in Italy and just travelling around. Developed more of my creative network, doing movies, gaming, crowdfunding, publishing. Started more social members clubs, managed a punk band, became a new age raver, became a director of a respected environmental pressure group... Most of all of this cost me little, only time and hospitality. I did lose most of my big money eventually from a breakup with my loopy girlfriend at the time, but my life was enriched more than just a successful career, with great new memories and the potential for more experiences. It's all there for you. Given your health, build your strength and build more memories and friendship groups. I think at your age, the state pension for you will kick in at 67-68... and it's best if you keep up your national insurance so you get the best terms for retirement.
I'm off for nearly 4 weeks to Singapore, Penang Malaysia and Thailand with my lovely new lady of 18 months Kathy, pictured below. She was widowed 3 years ago when she was working in Beijing over 3 years ago. We all know life has some great things to offer. She's recently just donated a kidney to her sister in law. So there's always time to do good for other people and find the good in other people, which makes life better for everyone.
When I get back, let's hook up and have a social chat. Come and talk to my mate Noel, the biker.. He took early retirement and has severe diabetes.. But he's having a great time and does big bike trips all over, Europe, Asia, the Antipodes, Far East and later this year from London to Delhi... He also does lots of big sailing all over too, and has been building his friendship groups on the way. You've met him before with me..
Finance wise, just get some good proper advice, and don't blow it. But invest in memories and new friends... If that involves a new bike, or building expertise or getting new gear for a new hobby, or stuff you may need that will help you to be a volunteer, or keep your hand in for some short term paid work. Then do it. Keep your overheads low and don't have any borrowing. Try and do more of what you like in a climate or geography or city you like.
I'll be back in early March, so let's meet and hopefully, you may have had loads more good and crazy suggestions to think about.
Meanwhile, stay healthy, stay safe, get a cheap flight and think about this stuff in the sun. All the best Gass... Gts 250 silver machine.

IMG_0446.jpg
Me , not a day over 67, with lovely girlfriend Kathy and my dog Brooke.

saggezza di scala
2009 'Burma Shave' Red GTS 250ie
Joined: 13 Mar 2010
Posts: 6866
Location: Israel
Mon Jan 21, 2019 10:04 pm quote
How am I just now seeing this?!

Bill, we don't really know each other, but I hope my respect and admiration for you has been adequately communicated over the years. Nobody deserves to be dealt a bad hand, but I am certain you are an astute enough player to play a hell of a game with what you hold.

Keep doing whatever makes you happy. This is what I'd tell a healthy person starting out in life as well, by the way.

If work fulfills you, find work that will allow you to live life to the fullest. If not, either make due with your inheritance or get a reverse mortgage to supplement your income. Tell your financial advisory how you want to live and he/she will look at your assets and holdings and tell you how to make it happen.

I have met very few people in my life who have truly lived life fully on their own terms. You are one of those people. Don't stop now.

This is a clutch moment... time to shift to the next gear and twist the gas to the stops.
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Mon Jan 21, 2019 11:37 pm quote
Re: So
Bill Dog wrote:
It's my chromosome 9 and 22 that are having an field day at the moment.

Like relatives marrying they are getting involved with each other and that's always bad news.

Thank you for your kind words Jose.

Lets look to the future shall we ?

Bill x
Of course letís look ahead to the good things coming up!
I do not plan to travel in the short future but if you ever come to the the sunny south of Spain just drop me a line and weíll have some beers together!!!

Looking forward to everything, Jose.
Resident Grump
MAC motor 2WD. 30 Oct 2006
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Location: MN
Tue Jan 22, 2019 12:06 pm quote
It's all a flash in the pan. I was pushed out at 56. At first, it was horrible. I had lost my sense of self, as it was tied to what I did for a living. I soon began to appreciate it. Small city living, 90% or more of the stresses gone. We're independently poor compared to working lives. We actually live very happily and comfortably on our 2016 tax bill. (was a watershed year)

Health issues ravage many of my days, but there are so many things to engage in when the responsibilities of a job are gone. I keep up a very part-time customer service job tending to eBikes. The only job I can tolerate these days. If it's not fun, doesn't make me giggle, it's not for me.

We engage every morning like it's the best day ever. And des[ite the issues we will never look back and regret living our lives to their fullest. But each of us has their own needs. Here's hoping you sort yours. You're a good lad! You deserve it!
Hooked
2010 GTS 300
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Tue Jan 22, 2019 7:58 pm quote
Retired at 53
I retired from the US Civil Service at age 53. I am also a military retiree and have full health care for a modest annual fee. I was very glad to retire, and the reduction in stress was immediate. However, after a few months, I really felt lost without somewhere to go every day that mattered, since I had been working since I was 12. We didn't need the money, but I was going nuts.

Within six months, I started working as an independent contractor for an old commander of mine who provided overseas civilian support for military operations. I worked basically 2 months on, 2 months off, for 7 more years and it helped restore balance to my life. My wife of 40 years noticed a difference, too. I had led hundreds of people and managed large operations for 30 odd years and I had to ease myself out of it over time, instead of having one clean break. It's a hard thing not being in charge all of a sudden.

My point is, you can get bored with too much freedom if you're coming from a lifetime of work. You can also lose your sense of self. Be ready to accept some form of work, be it for money or self-satisfaction (volunteering, mentoring, etc).

Best wishes for your situation. Stay strong.
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Wed Jan 23, 2019 2:17 am quote
Yes, it's strange how we are all different on this retirement thing. I couldn't wait to retire. I retired early too at 59 and have never regretted it one bit. I find I'm living my life for me, instead of for 100 other people. I don't any longer have to make a profit for my company, there is no stress. I do what I want and when.

I noticed a thirst for information and new hobbies, all of which I found quickly...only doing stuff that really matters to me. Riding my Vespa is well up there with the top things in life! Best of all I can spend more time with my wife, dining out and doing all the stuff that we couldn't do earlier. It's brilliant and I'm never going back to work ever again!
Hooked
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Wed Jan 23, 2019 4:54 am quote
I am due for scheduled retirement in August this year at the age of 65.
I already have four offers of part-time consulting in my career field.

I have two offers for leading / supporting motorcycle tours part-time.
I have a confirmed opportunity to work (on a purely commission basis) for my local BMW dealer as a Saturday job and as part of the dealer team supporting biking events.
I will get to meet interesting people, ride all kinds of new models and the permanent staff can then stay home with their families more. I may not earn a lot (or anything at all) doing this, but I can keep myself busy doing what I love - riding bikes...

I remember something a long-suffering wife said at her husband's retirement party.

"He had better find something to do to keep occupied during the day.
I married him for better or for worse...
BUT NOT FOR LUNCH !"
eeee-bip
Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Wed Jan 23, 2019 8:56 am quote
Plus
Thank you all for your kind words people.

There will be more later.

I'm in this holding pattern right now when I'm waiting to get better while waiting for the inheritance to come through to at least buy me a cushion.

I walk at least 5 to 7 miles a day and I've just bought a spin bike to keep the weight down as the drugs make you retain water.

It's the uncertainty that bothers me most.

Bill x
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Mon Feb 04, 2019 9:20 am quote
Scatter
So I had a week off the Nilotinib and I'm now on Bosutinib which is a 5 times a day dose which will hopefully be the be the final nail in the coffin for it.

Good news is that I'm no longer walking around totally monged out as these ones don't make me feel like I'm constantly getting over a cold.

One down side though, they do have a tendency to play havoc with my intestines.

I guess it's a small price to pay.

Bill x
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Tue Feb 05, 2019 1:37 am quote
Glad to hear there's progress Bill. I keep reading this thread though and hoping to see a simple explanation of what's needed to retire young. Does anyone have a grasp of what you need behind you? obviously it'll be different for every country but there must be a relatively simple formula out there based on cost of living, dependants and years you expect to live. A simple concrete number would be nice. Did the financial adviser offer any advice?
eeee-bip
Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Tue Feb 05, 2019 3:31 am quote
Quick
At my age I could personally retire on £300,000 but I own my house ( morgtage free ) and apart from my direct debts for ins, house hold bills etc I don't owe any money.

He suggested that I put a years age aside to take the time to decide what I want to do, buy lots of premium bonds/ national savings at much as £50,000 and then when I know what I'm doing consider investing it but at the end of each year rake off the interest and put it in a an ISA - up to £20,000 a year.

That's the short version any way.

Bill x
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Tue Feb 05, 2019 4:01 am quote
Very helpful Bill. Thanks.
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Thu Feb 07, 2019 2:55 pm quote
Stash
He also said to divide the amount up into amounts of £85,000 into as many different Banks as you can as it's the maximum amount the amounts they can honour if it all collapses again.

True story.

Bill x
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Sat Feb 16, 2019 1:59 am quote
Jolly Larks
To cut a very long and uncomfortable story short I had my meds changed about a week ago in an attempt to finish off the mutations in my blood but someone made a massive cock up in the level of prescription and so I was given 500mg of the drug , not the 200 I should have been given.

So after getting a pounding migraine + type head ache that Jim Beam would have been proud of, a stomach that felt burnt from the inside and then being violently ill from both ends I made a call to the consultant ask a question about the side effects then boom the mistake was spotted.

Many apologies have been made but it's really not enough because nothing sticks in your memory like the small and consistency of a full english breakfast that you've just seen for a second time.

Bah ! Nasty.

Bill x
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Sun Feb 17, 2019 2:25 am quote
Re: Jolly Larks
[quote="Bill Dog"]To cut a very long and uncomfortable story short I had my meds changed about a week ago in an attempt to finish off the mutations in my blood but someone made a massive cock up in the level of prescription and so I was given 500mg of the drug , not the 200 I should have been given.

Bill x

Bill sorry to hear that. Anyway we have to be prepared to face things like that, either by mistake or by trial...
Last month I had my dosis of Lenalidomide increased from 10mg to 25mg in order to better fight the bad cells, but the combination with other drug made my defenses go so low that I almost had to be taken to hospital...

Now Iím back to 10 and doing good! I hope to be at ďzero bad cellsĒ in the next month or two. Never despair my friend! The doctors are there to do their best for us.

Take care, Jose.
eeee-bip
Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Sun Feb 17, 2019 4:11 pm quote
Bits
It's ironic when the stuff that supposed to be making you feel better makes you feel so much worse.

Even on this reduced level of meds I'm still having issues with it not clearing me out.

Sorry. Maybe that's too much information.

Bill x
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Sun Feb 17, 2019 4:38 pm quote
You only live once. Go for it.
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Mon Feb 18, 2019 8:01 am quote
Change
Coming off the new meds because they seem to be toxic for me.

Weeks break then going back on the old ones.

Joy.

Bill x
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Mon Feb 18, 2019 8:27 am quote
Re: Change
Bill Dog wrote:
Coming off the new meds because they seem to be toxic for me.

Weeks break then going back on the old ones.

Joy.

Bill x
Good to hear that! Always ready to change for improvement...

Take care, Jose.
Veni, Vidi, Posti
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Mon Feb 18, 2019 9:08 am quote
I look at my doctors as part of a "healthcare team". I, on the other hand, am the decision maker of that team. One of them has a proposal (such as a change in medication or dosage); I need to hear why that may be a good idea, what are the possible down sides, and how I would recognize a problem. They don't want to have that discussion - I get a new doctor.
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Mon Feb 18, 2019 9:44 am quote
Twice
I have two teams looking after me.

My local Hospital which has an extensive Oncology Dept where I go for check ups once a month and a more specialised London team who poke and prod me in between those visits.

It's flattering in many ways.

Bill x
Resident Grump
MAC motor 2WD. 30 Oct 2006
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Mon Feb 18, 2019 9:46 pm quote
Re: Change
Bill Dog wrote:
Coming off the new meds because they seem to be toxic for me.

Weeks break then going back on the old ones.

Joy.

Bill x
yeah, part of the game. I hate calling it a game but it rather is. It takes time, trust, cunning, planning, and more, to sort. But, a fellow of your aplomb can sort it and fuck the dirt nap. It can be beat. Living proof here.


I can still fit my 1968 rock festival acid boots and roll with a half sized one paper.

All the best!
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Tue Feb 19, 2019 1:16 pm quote
Concept
I have major plans for this year and even bigger ones for 2020 so I don't plan on losing this one.

It's all good.

It's only Cancer.

Bill x
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Fri Mar 29, 2019 1:00 am quote
Small Update
So I went back on the old meds and everything is running smoothly.

I've been offered a position at a local Land Rover dealership but I'm not convinced that I'm ready to go back to work mainly because I'm having problems focusing on anything for more than about 5 minutes.

I promised myself a year off so I think I'm going to keep that promise.

There has sadly been an issue over the Will where the value of a property that I co-owned with my family have been divided up incorrectly by the lawyers so that's causing a bit of friction between my Sister and I but apart from that everything is peachy.

Bill x
Veni, Vidi, Posti
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Fri Mar 29, 2019 1:21 am quote
znomit wrote:
Get a job ya bum.

Youíll be so bored otherwise youíll be posting here more than JetPeddler, and nobody wants that.
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Fri Mar 29, 2019 1:39 am quote
Plus
Dammit.

Am I that shallow ?

Bill x
Hooked
Looking
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Fri Mar 29, 2019 5:16 am quote
The best advice I can give anyone considering retirement is to be 100% debt free.
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Fri Mar 29, 2019 6:24 am quote
Re: Small Update
Bill Dog wrote:
So I went back on the old meds and everything is running smoothly.

I've been offered a position at a local Land Rover dealership but I'm not convinced that I'm ready to go back to work mainly because I'm having problems focusing on anything for more than about 5 minutes.

I promised myself a year off so I think I'm going to keep that promise.

There has sadly been an issue over the Will where the value of a property that I co-owned with my family have been divided up incorrectly by the lawyers so that's causing a bit of friction between my Sister and I but apart from that everything is peachy.

Bill x
Money and family mix like jet fuel and flame.

My grandfather was a financial attorney and my wife's dad was a corporate accountant, but even their well-crafted wills left a fair share of familial carnage in their wakes.
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Fri Mar 29, 2019 8:15 am quote
With
And I'm there right now going through it.

One vague sentence has put about $100,000 in doubt

It's a total bastard.

Bill x
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Fri Mar 29, 2019 8:37 am quote
do it. life can turn on a dime.
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Fri Mar 29, 2019 8:40 am quote
Re: With
Bill Dog wrote:
One vague sentence has put about $100,000 in doubt
Don't let it become akin to Jarndyce v Jarndyce!
Ossessionato
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Fri Mar 29, 2019 9:08 am quote
Re: With
Bill Dog wrote:
One vague sentence has put about $100,000 in doubt
It might be worth chatting to a friend over the issue as the cancer, medicines and stress etc might be tilting your view point. It would be a shame to mess up, especially at this stage in life, what should be a close family relationship.
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Sat Mar 30, 2019 11:44 am quote
Stove
The meds do prevent you from thinking clearly there's no question about that but even if I wasn't on them I'd still be pretty animated about the ineptitude of the lawyers.

I've just chosen to decline the chance to go back and work for Land Rover.

I'm no where near ready for employment.

Bill x
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Thu Apr 18, 2019 1:24 pm quote
Much
Well the good news is that I've resolved the issue with my sister over the Will and we're close to agreeing an early release of probate with the help of the lawyers.

My condition is being held in check by the meds but I'm still being seen by two hospitals a month which is starting to become a little tiresome when exactly the same thing happens in two different locations.

I guess it's a small price to pay.

Bill x
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Thu Apr 18, 2019 10:14 pm quote
Given the alternatives, itís a small price to pay. Glad itís going reasonably well for you.
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Wed May 08, 2019 10:33 pm quote
Movement
I'm not sure if I mentioned this before but the Doctors fear that it progresses from Chronic to Acute which would mean a bone marrow transplant.

I learnt about the procedure the last time I was at hospital and it sounds like a real pony ride so I'll quite happily keep taking there meds to keep it in check.

The side affects are mostly having to think through a med induced fog for most of the day ( so I get an hours worth of clarity every morning ) so my memory is pretty bad and I also have the sensation of having a chilli crammed up my ass 24/7 as these meds burn you from inside.

They also have a negative affect on my heart when taken long term so I have to remain as fit as possible so I'm walking at least 7 miles a day and when I'm not doing that I have a spin bike to keep me active.

Trying to remain focused on reading or writing is really difficult so podcasts are my friend right now.

So apart from all that it's not too bad and I often feel guilty when I visit Oncology as I'm often the only one there in good spirits.

That place is a great leveller.

I'm a little disappointed because I don't drink, smoke or take any non prescription drugs which I thought would have counted in my favour but na, it doesn't care how good you've been.

The settlement with my Sister means that I'm probably going to put enough aside to meter out myself a wage for 12 years so there won't be any short term indulgent expensive toys.

I'll probably get bored and start up my own Florists that I've always wanted.

Bill x
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Thu May 09, 2019 2:19 am quote
Bill, that doesn't sound too bad at the moment then. Totally know what you mean about side effects. Currently having some issues myself (I think we briefly spoke about them in a pm) and totally know about meds and some side effects. I'm awaiting quite major surgery at the mo so have to keep taking the meds. Hopefully, you will continue to tick along without too many problems. The docs are pretty good these days as are the drugs.

Good luck and keep posting.
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Benelli TNT 125 "Bean Alley" Kymco AK550 The War to end all Wars
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Thu May 09, 2019 5:19 am quote
Upwards
Thanks, I think I will.

My bloods were fine the last time I went in for my prescription so this drug is doing a fine job of keeping the enzyme in check.

It's expensive and very strong but as long as it's doing it's job I'm not going to complain.

I ran into an old friend in Oncology a couple of weeks back who has terminal bowel cancer.

He's got a reason to complain.

Bill x
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Thu May 09, 2019 5:56 am quote
Transplant
Bill are you facing an auto-transplant or a donor one?
I just made ZERO, on my Monoclonal Component. Which means my bone marrow should be close to zero also... after several months at zero I have to decide if I undergo a donor transplant. With all the pros and cons that it has.

Today the donor transplant is a safer procedure than before but keeps having it danger.

I hope the best for you and that you take the best decision.
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Thu May 09, 2019 6:14 am quote
Fill Up
If it all goes to shit it will be a donor if they can find a suitable match.

This will be a worst case scenario if it all goes to shit but for now they are optimistic that the meds will keep the mutations in place.

My blood gets tested roughly every 2 weeks so they should spot anything if it all goes wrong fairly quickly.

Previous patients's bone marrow have re-aligned themselves in the past after being hit with repeated applications of this drug so I'm hoping for that to happen to me.

Bill x
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