UTC

Veni, Vidi, Posti
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Veni, Vidi, Posti
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UTC quote
Bill Dog wrote:
For God's sake, everyone who is thinking of retiring please take my suggestion and do it.

It's one of the best decisions I ever made and I havn't made that many.
I totally agree, I wish I could have retired earlier as 48 years of plastering really beat me up. But the first year of retirement has been fantastic!
UTC

Veni, Vidi, Posti
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Veni, Vidi, Posti
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UTC quote
Also my current ride: 2003 Toyota Tacoma, auto trans, AC ( hardly use it), crank windows, standard cab, power steering and a radio. 289,000 miles, never one problem and I do my own wrenching. I owned other small trucks, but the truck second to this was my 1971 Toyota. I bought almost new, put 280,00 miles on that when my brother borrowed it and he overheated it. I rebuilt the top end of the engine and put on another 140, 000 miles. I gave it away to another brother, still running great at 420,ooo miles. It had no power steering and anything else. I installed a cheap radio. The valve clearances were set by hand (screw and nut). I never hauled any vespas in it, but I sure bought home many a motorcycle with it.
@scooter_curmudgeon avatar
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Hooked
GT200/GTS300/Primavera 150
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Hooked
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UTC quote
mpfrank wrote:
I'm going to present another perspective on the retirement question.

I'm sure that if I retired tomorrow I would find plenty of fulfilling things to do. What if the work you are doing is meaningful and fulfilling and you love doing it?

That's where I am.
This is not an unreasonable perspective. For some, the work they have chosen (or that has chosen them) is rewarding and not onerous, perhaps even enjoyable. If this is the case, good for you! There can be a lot of positives to this scenario, for sure.

However, for those who find themselves in other situations, retiring as early as feasible in order to find that fulfilling/rewarding thing that you are uniquely equipped to do is also a reasonable path and should be considered.

Bob
@bill_dog avatar
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eeeee bip
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UTC quote
Soon after making the decision to retire I made a couple of mistakes.

The first one was to pay myself more than I actually needed per month so I ended up spending what I had in my account so after about a year I cut that amount by about a 1/4.

The other one was to fill the days by purchasing different motorcycles roughly every 3 months. It was mainly because I had the finances to do so but it took me a while to realise that none of them made me happier and I'd lose money on every one, so that had to stop.

Now I've put the majority of it in a High Interest Account for a year and I've turned the rest into Bonds which put them out of reach.

From the remainder I now pay myself monthly from an account which also pays me interest and I don't spend beyond my own self imposed allowance.
UTC

Hooked
LX150
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UTC quote
mpfrank wrote:
I'm going to present another perspective on the retirement question.

I'm sure that if I retired tomorrow I would find plenty of fulfilling things to do. What if the work you are doing is meaningful and fulfilling and you love doing it?

That's where I am.

I'm going to be 76 next month. I work part time as a clinical supervisor at a nonprofit, low-fee community counseling center. I teach and supervise the way I want to and I am valued for it by my interns, colleagues, and the organization as a whole. I am underpaid, but it's still nice to get what I get.

In addition, I have a small private psychotherapy practice - mostly group therapy - that is all virtual, so I work from home and don't have to deal with managing an office. It's entirely private pay so I don't have to deal with "managed care" BS.

I am also active in my professional organizations at both the local and national levels.

My work is challenging, but personally rewarding. The engagement with people is fulfilling and healthy for me. I consider myself to be lucky and privileged to be able to do all this.

And all of this fits into three or four days each week.

So I'm not planning to retire until I either don't want to do this any more or (I don't like to think this, but it's reality) I am no longer physically or mentally able to do a good job.
My dad is in your camp. He's a truck driver, still driving five days a week at 77 years old. He's been doing it since he was too young to be legally behind the wheel, and behind the wheel remains his happy place. He assured me he could afford to retire ten years ago if he wanted to, but he also assures me he won't quit until they take his license away.

My job is no longer my happy place. There's a good chance I'll retire before Dad does.
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UTC quote
Like many of the people above, what will often push you to retiring is a health crisis or some kind of paradigm shift that will make you realise we're only getting this once so if you can break free don't hesitate as you'll very quickly find things to fill your day.

There's no way I'm going back.
@greasy125 avatar
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Sergeant at Arms
Weird 80's Vespas & Cool Vintage Lambrettas
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UTC quote
my spidey senses were tingling so I just knew y'all musta been talking about tacos!

here's my little work horse. total stripper, 4 banger with crank windows.
(I have another truck for big work)
The Original Scooty Puff Jr with a side of Stella in the summer of citrus
The Original Scooty Puff Jr with a side of Stella in the summer of citrus
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Molto Verboso
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Molto Verboso
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UTC quote
greasy125 wrote:
my spidey senses were tingling so I just knew y'all musta been talking about tacos!

here's my little work horse. total stripper, 4 banger with crank windows.
(I have another truck for big work)
Throw some TRD Pro rims on that beauty and it's a new truck. Plus you'd be able to trade it in for $30k at your local Toyota of Thousand Oaks.
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Weird 80's Vespas & Cool Vintage Lambrettas
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UTC quote
Shebalba wrote:
Throw some TRD Pro rims on that beauty and it's a new truck. Plus you'd be able to trade it in for $30k at your local Toyota of Thousand Oaks.
F that noise! I *just* put tires on it. and the 15's are perfect because it's nice and low for loading/unloading.

amazing how much these dumb things are worth. I get notes left on it ALL the time: if you ever want to sell call me
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Molto Verboso
2009 GTS250, Ducati Monster M900, KTM 390 Adventure, Honda CR125
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Molto Verboso
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UTC quote
greasy125 wrote:
amazing how much these dumb things are worth. I get notes left on it ALL the time: if you ever want to sell call me
You're not kidding. I had a 2002 SR5, two seater, with locking differentials and I also got the 'if your thinking about selling it..'

We had to eventually unload it for the family car, which I will drive long past my death because it will still be running.
Photo taken after new tires. Tire guy put the shine on them. The one and only time.
Photo taken after new tires. Tire guy put the shine on them. The one and only time.
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UTC quote
jimc wrote:
^^^^ This! All the way. For those young enough at the moment, plan to retire at age 55 at the latest.
Done.
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UTC quote
greasy125 wrote:
amazing how much these dumb things are worth. I get notes left on it ALL the time: if you ever want to sell call me
It's a plague. I get them constantly.
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Sergeant at Arms
Weird 80's Vespas & Cool Vintage Lambrettas
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UTC quote
jess wrote:
It's a plague. I get them constantly.
I'll take it over the "we buy junk cars" cards I'd get on *checks notes* pretty much anything else I own.
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Veni, Vidi, Posti
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UTC quote
Bill Dog wrote:
Like many of the people above, what will often push you to retiring is a health crisis or some kind of paradigm shift that will make you realise we're only getting this once so if you can break free don't hesitate as you'll very quickly find things to fill your day.

There's no way I'm going back.
That is what happened to me. my company purchased another and we were moving into their offices. I could see the future; as the only desktop guy, I would be moving everyone in my office to the new one. I wanted nothing to do with that, so I quit. Couldn't be happier.
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eeeee bip
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Yay
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Molto Verboso
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UTC quote
Really Disappointed on my choice of a new helmet- A Shoei Neotec 2 flip up. I bought it because my old Viper flip up was getting pretty noisy, and I'd read reviews that the Shoei although not the quietest, was a quiet enough helmet. I waited until I found one on offer with the colour I liked, and spent the £400... The first time I rode with it on, the wind whistled through the visor, and made it uncomfortable to use, so I guess it's going back, and I'll be shopping around for a replacement flip up.
In the meantime, the old Viper helmet has come back out of retirement....

Graham
UTC

Veni, Vidi, Posti
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I can see that if you really enjoy your job and find it fulfilling, then keep rocking it. I still enjoyed my lifetime job as it was in demand more than ever as new Ornamental plastering and repair was on an upswing, but the years had taken their toll on me. I wanted to quit as soon as I could get SS at 66 1/2. No large IRA's, no big investments were made during my working years. My focus were my children and their educations. All got older cars like mine that were easy to maintain, and I helped out where I could financially for college. But we paid everything as we went - no mortgage, no credit cards and working weekends and nights on side jobs helped keep a cushion in the old bank account. I now have a credit card rather than just a debit card as sometimes it is a must when occasionally buying a plane ticket or renting a car. I resisted for a long time getting one because of the ridiculous interest rates they charge even though I never planed on every paying any. Still bothered me, though. I realize I am a child of parents that went thru hard times, a relic in today's world. But I have no regrets and like Bill Dog, I have learned you can live on much less than you think. Simplicity in life is a wonderful thing. All it take is to figure out what you absolutely need and ignore all the bu!!sh!t advertisements on what it will take to make your life better. Sorry for the long story. If you can, retire soon ASAP. There is more to life than working at a lousy job. Retirement is about working at a better job - taking are of yourself and others around you.
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UTC quote
Beware of the Advertiser.

They will do their very best to create doubt in your mind and then immediately attempt to sell you the solution.

Don't listen to them.
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UTC quote
OT (retirement cont'd): I'm 58 and was offered a voluntary package at year end, which I took (all 55 and over were offered). I get same salary and insurance this year. Been loving it mucho so far, and not much has changed in approach to life yet. But I have anxiety about next year and going forward. Its a different mindset from being a saver to a spender of banked monies with nothing further coming in (sure, that's a choice, I could get any other job). But going with the retirement and no work thought, I'm having trouble imagining essentially stealing from Peter (my retirement fund) to pay Paul (my bank account). I hate to see what I've saved diminish, at least that's how I feel at the moment even though it has yet start happening. So we've been telling the kids were now in poor mode with no extra $$ for anything frivolous, like birthday or christmas presents. hahaha, right? But its semi serious, at least until I can get over myself and these insecurities about diminishing reserves going forward. I haven't yet decided if I want to get a side job just for kicks yet, have told myself to get through the summer this year and see how I feel, but that would be more to earn some pocket money for insurance or whatever. It would be a comfort move hopefully more than a needed one.
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eeeee bip
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UTC quote
Another recommendation is to live alone. It's absolutely brilliant.

You're welcome.
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Addicted
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UTC quote
I just spent close to $700 getting some custom made insoles, including the Dr. appointments. I have a little problem with my right foot.

They feel a lot worse than the off the shelf, heat molded ones that I have been using for about 1/12th the price. They are almost unwearable.

What a waste of money.
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UTC quote
sounds like they didn't mold them properly. i'd call the doc and schedule a WTF follow-up.
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UTC quote
armedferret wrote:
sounds like they didn't mold them properly. i'd call the doc and schedule a WTF follow-up.
I will. They have a 90 day period for adjustments. The guy spent close to an hour trying to fine tune them already. Hoping they will break in a bit with some use.
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nope
⚠️ Last edited by skids on UTC; edited 1 time
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UTC quote
skids wrote:
If you are 55 and do not have health insurance and have to pay for that out of pocket that is a pretty large yearly expense.
If you're over 55 and have such a large income that the ACA doesn't pay most of your insurance you can certainly afford it.
Quote:
Even when you turn 65 (in USA) and qualify for the free medicare part A that only covers hospitalization no outpatient services.
I'm 72, and do not qualify for Medicare (expat Brit and all that) and the ACA makes my Kaiser Permanente health insurance eminently affordable out of my UK pension.

We have friends who were scared of retirement because of insurance fears (it being tied to their jobs) - they hadn't done their research into the ACA - they hadn't realised it can help out the vast majority of the US population. Once they'd actually done the sums they were delighted, and retired with alacrity.
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nope
⚠️ Last edited by skids on UTC; edited 1 time
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Veni, Vidi, Posti
2020 Honda NC750DCT
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UTC quote
I don't ONLY come here to kvetch, but when I do, I do it in a big way:

Somewhere on MV I'd announced back in January that I had gotten a partial knee replacement (as common as the cold at this age). Very long story as short as I can make it. I was 3 months into recovery, looking shiningly into good weather for biking and biking and the knee failed and I had to get an urgent TOTAL knee replacement last week (like, talked to the Dr on Monday, cut off my leg on Tuesday). Now it's beautiful out and I'm starting over with straightening and bending exercises such that it will be months before I trust it holding up my bike. Does this piss me off... that's not quite the feeling. Is there great disappointment and frustration? You bet your sweet bippy.
Please pray/send good thoughts/wishes/karma, whatever all you folks got for me, not so much for my body. That will heal, but for my mental/spiritual state to continue to fight what I have to fight to regain my life. You folks are a form of therapy for me and I'll try to ride vicariously through all your exploits till I'm on 2 wheels again. Thanks
⚠️ Last edited by lomunchi on UTC; edited 1 time
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UTC quote
As an amputee, I know just what you're going through. Hang in there, do what the physical therapists say, and most of all, keep a positive attitude. Attitude is probably the most important thing you can do for yourself. It's not always easy to stay positive, but that's where friends and family and MV come in. We're here for you! Scooter emoticon
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UTC quote
Had total left knee replacement 2015. Then total knee again in 2019. Left again!! 😡. Do all the rehab - the bending is VERY important. Hang in there and you'll get back on the bike pretty soon.

OFG
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Veni, Vidi, Posti
2007 LX150 2015 GTS (running like a charm!) 2017 BV 350
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UTC quote
lomunchi wrote:
I don't ONLY come here to kvetch, but when I do, I do it in a big way:
I'll say! Sorry you have to deal with that. Its bad enough dealing with a complicated procedure without having it go south on you. Heal quickly. We'll do our part to be entertaining.
@lomunchi avatar
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2020 Honda NC750DCT
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UTC quote
Thanks all. I'm in it for the long run! I appreciate the encouragement from the MV Brethren.
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UTC quote
lomunchi wrote:
I don't ONLY come here to kvetch, but when I do, I do it in a big way:
You've earned the right to kvetch here, especially given the circumstances.

I know it's a cliché, but... take a deep breath. Hold it. Let it out. Repeat.

Take it slow, and we'll hold down the fort until you're healed.

Now go get better!
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UTC quote
lomunchi, sorry to hear about this, but you will get better in mind and spirit. The fact that came on here to share shows that. Let's face it - life beats you up, no getting around it. Many of us are at the point (or it's coming up fast) that if you don't use it, you'll lose it So, find your passion and let it motivate you - lose weight, exercise, get outside and take care of yourself. My late father told me many moons ago "Don't worry about screwed over by others, you will do enough of that to yourself. So control your own life, because you sure as hell can't control theirs ."
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UTC quote
Bill Dog wrote:
Another recommendation is to live alone. It's absolutely brilliant.

You're welcome.
The first thing we have agreed on 100%. K.I.S.S.

Honest question: Is the sex thing with yourself or do you have to call them a cab in the mourning. Make sure they don't leave items. It's so funny.

"I left my socks........"

I usually rock a song really fucking loud...after I have made sure she has transit to wherever...I'm not an animal!!!!!!!!!!

Then I play her this song........

?si=rZcrGfiS-XAnD_QL
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eeeee bip
BMW R1100RT The Problem Child Kymco Downtown 300 - I'm not the Uber BMW R1200 RT Big Red
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UTC quote
And I thought that I had a few problems.
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Hooked
2009 mp3
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UTC quote
I am so pleased I live in Australia where pensioners like me get their scripts for $A 7.90 especially as I am on medication at the moment for prostate cancer that costs according to the box I get it in $6944 a month.(enzalutamide) Because of our enlightened health system over the past 14 years I have had radiation and chemo probably at an exorbitant price as well. but it has kept me alive . eventually this will stop working and I will be history. Having been a smoker for the last 65 years I have probably contributed quite a lot towards this medication as the tax on a packet of cigarettes is now about $55.00. So I guess this should be in the What's cheering you up today thread. The only downer is you have to take your turn to see a specialist unless you wish to go private the last time that happened it cost me nearly $3000 to have a catheter inserted.
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UTC quote
Yeah, ok, we need the moisture 'yada, yada, yada', but it still sucks.

It does help that mid-week we'll be seeing almost 70 degrees (F) though.

This morning...
Forum member supplied image with no explanatory text
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150LX
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UTC quote
I'm three weeks into a double knee replacement and I am virtually bed-ridden: a walker, icing and tons of opiates. The surgeon said I would hate him for the first couple of weeks, then I would forgive him and it would all get better. That's pretty accurate.
My scooter is in the garage awaiting its new turn signal kit, the roller kit and that noise you can hear in the background is the gas congealing. It will need me to change the oil too as (optimistically) I can imagine kneeling before it again and offering up the parts. June, maybe.
Sooner or later we all confront our own mortality, my only wish is that it be later.
@oldfatguy avatar
UTC

Hooked
Hurricane 200X, 2020 TW 200 (sold), 2022 Liberty 150
Joined: UTC
Posts: 194
Location: North Alabama
 
Hooked
@oldfatguy avatar
Hurricane 200X, 2020 TW 200 (sold), 2022 Liberty 150
Joined: UTC
Posts: 194
Location: North Alabama
UTC quote
Ouch! Both knees at once. Only had left one replaced but that changed my way of doing work on things close to the floor. If you do not have a lift I recommend one of the rolling garage stools.

OFG
Rolling stool
Rolling stool
@someguyinfla avatar
UTC

Enthusiast
2006 LX150
Joined: UTC
Posts: 59
Location: South Florida
 
Enthusiast
@someguyinfla avatar
2006 LX150
Joined: UTC
Posts: 59
Location: South Florida
UTC quote
Oldfatguy wrote:
Ouch! Both knees at once. Only had left one replaced but that changed my way of doing work on things close to the floor. If you do not have a lift I recommend one of the rolling garage stools.

OFG
I've only had one done too but agree with Oldfatguy. I had one like the one pictured but it was difficult to turn and ended up bending on me. Went to Harbor Freight and switched to one of these. It even goes up and down! Much happier.
Forum member supplied image with no explanatory text

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