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I'm gonna hit official retirement age!

Post in 'The Inglenook' started by webbie, May 12, 2013.

  1. webbie

    webbie Seasoned Moderator Staff Member

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    In one week I will be 59 1/2

    That means I can take money out of my IRA with no penalty...well, except current taxes!

    Still can't get senior discounts at most places though...
    ;)
    raybonz likes this.

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  2. Gark

    Gark Minister of Fire

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    Don't know if you have Ponderosa Steak-houses near you, but ours has their senior discounts starting at age 55. I like that place (mmmm... buffet!). Heheh.
  3. fossil

    fossil Accidental Moderator Staff Member

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    I turned 55 in Virginia in 2003...immediately on my b-day I took the wife (3 mos older than I) to IHOP to get the Senior Discount on breakfast. Tasted somehow sweeter. ==c

    This year I'll turn 65 (Dec) and oughta be eligible for dang near anyone's Sr. Discount. >>
  4. BrotherBart

    BrotherBart Hearth.com LLC Mid-Atlantic Division Staff Member

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    Got my first old fart discount as a surprise. Shirley the waitress at the buffet laid the check on my table and I noticed it. Told her I had just lost my appetite. She told me to shut up and eat. That I had just saved a buck and should enjoy it.

    At Long John Silver's one day the cashier said "Sir, uh, well you know you could save some money if you, well, you know asked for the senior discount.". Looked like he was afraid he was insulting me. I said "Fine. Gimme."

    The next time I went there I asked for it and they told me that they didn't do that anymore. :mad:
  5. fossil

    fossil Accidental Moderator Staff Member

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    I keep looking at my Roth IRA and think, "Hell, I could have all that money right now, tax-free." Then I wonder what the hell I'd use it for. :rolleyes:
  6. bogydave

    bogydave Minister of Fire

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    Medicare discounts for sure ;)
  7. fossil

    fossil Accidental Moderator Staff Member

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    Medicare premiums deducted from my Social Security checks...for sure. :mad:
    BrotherBart likes this.
  8. BrotherBart

    BrotherBart Hearth.com LLC Mid-Atlantic Division Staff Member

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    I look at my 401K and wonder if I could get some of Rick's Roth money to pay the taxes on it. :confused:
  9. fossil

    fossil Accidental Moderator Staff Member

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    Actually, I need it to pay the taxes on my Traditional IRA if I ever decide to start tapping into that. ;lol
  10. Backwoods Savage

    Backwoods Savage Minister of Fire

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    In some ways life is sweeter in retirement and in some ways it beats the snot out of you.
    PapaDave and Defiant like this.
  11. begreen

    begreen Mooderator Staff Member

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    Youth is wasted on the young.
  12. fossil

    fossil Accidental Moderator Staff Member

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    As Brother Bart tells it, "Getting old doesn't suck. Getting old was a blast. It's being old that sucks." ;lol
    PapaDave and Defiant like this.
  13. begreen

    begreen Mooderator Staff Member

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    I am in need of a visit to the Social Security office so that I can get my head around this transition. Medicare is a whole 'nuther ball'o wax. Why do they make things more complicated when your mind wants to take it easier?
    firebroad likes this.
  14. Defiant

    Defiant Vermont Castings Geek

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    I am right behind you:eek:
  15. BrotherBart

    BrotherBart Hearth.com LLC Mid-Atlantic Division Staff Member

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    For sure. Medicare ain't free and it for damn sure ain't simple.

    Your new favorite website will be medicare.gov.
  16. fossil

    fossil Accidental Moderator Staff Member

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    I don't know how they could make it any easier...you can apply for Social Security anytime after something like three months before you turn 62, and you'll get your first check a month after your birthday. You do this all online. No visit to anywhere. If then, you are receiving Social Security, a couple months before you turn 65 you'll receive your Medicare card in the mail. You will be automatically enrolled in Part A (in-patient) and Part B (out-patient) unless you opt out of Part B. You'll get Part A premium-free, but pay a premium for Part B, which will be deducted from your Social Security payment each month. I've never been in a Social Security office, and don't imagine I ever will be.

    Start here:

    http://www.socialsecurity.gov/

    Then go here:

    http://www.medicare.gov/index.html?AspxAutoDetectCookieSupport=1
  17. BrotherBart

    BrotherBart Hearth.com LLC Mid-Atlantic Division Staff Member

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    Just showed this to my wife. She cracked up since she has been hearing that from me every since she turned 65. Now I have the two of us and three relatives to manage this stuff for. <>

    Back when my head actually worked this stuff would have been a cake walk. Now....
  18. BrotherBart

    BrotherBart Hearth.com LLC Mid-Atlantic Division Staff Member

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    I had to go in one time. To deliver a copy of my DD-214. They said they needed it and when i gave it to the lady I asked if it was gonna make any difference in anything. She said no and I asked why they needed it. "I have no idea sir.". Chuckled and went home.
    fossil likes this.
  19. begreen

    begreen Mooderator Staff Member

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    I'm saying this after just jumping into first ownership of a smartphone that started overwhelming me over the weekend. I'm making progress now, but not as quickly as I used to.
  20. begreen

    begreen Mooderator Staff Member

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    Thanks for the encouragement. That's good to know. Ya mean the govt. actually works well? ;) It could be simple, but I want to understand how this affects my wife (a year younger) and what our options are. I spoke with a friend today that jumped onto SS earlier this year. He found the local office very helpful. In his words it was the best govt. office visit he's ever dealt with. Maybe he just got lucky. I'm still working so there is an overlap with current insurance. I don't want medicare to start until my current insurance ends, yet I want to be sure my wife transitions smoothly into medicare coverage too.
  21. fossil

    fossil Accidental Moderator Staff Member

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    ETA: Reacting to BB's post above about the DD-214

    Seems to me there was just a box to check about military service in the online form. Marsha and I both got "enrolled" to receive SSI without question. She got one SSI check before she died. :(
    I've been getting my SSI by direct deposit every month without fail since the month after I turned 62 (first check was FEB 2011, I think).
  22. BrotherBart

    BrotherBart Hearth.com LLC Mid-Atlantic Division Staff Member

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    I checked later and there was some thing about if this and if that about military service ya got more money from SS. Missed the boat again. Out of town on business all through "free love" but not long enough I guess. :mad:
  23. webbie

    webbie Seasoned Moderator Staff Member

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    So you are saying I have maybe 2 years left of being able to wade though this chit...like the template edits I am working on now for the wiki....???
  24. begreen

    begreen Mooderator Staff Member

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    Ha, no, you've already dived into Android. This was my first exposure and I'm making good progress. Copying and Pasting is my current nemesis.The phone is full featured and I am wading through it. Having an overlay of AT&T junkware is adding to the muddle. iPhones are more straight-forward once you understand the conventions.
  25. webbie

    webbie Seasoned Moderator Staff Member

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    Oh, I solve that by not copying and pasting.....
    (true)....
    ;)

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