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Addiction LXXVI

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Road Cycling “It is by riding a bicycle that you learn the contours of a country best, since you have to sweat up the hills and coast down them. Thus you remember them as they actually are, while in a motor car only a high hill impresses you, and you have no such accurate remembrance of country you have driven through as you gain by riding a bicycle.” -- Ernest Hemingway

Addiction LXXVI

Old 11-18-19, 04:39 PM
  #2851  
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Originally Posted by seedsbelize View Post
Yes, I would recommend insurance. Depending, of course, on what your card covers.
I rely on my Chase United credit card. Very comprehensive.
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No matter where I go, here I am...
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Old 11-18-19, 04:45 PM
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Originally Posted by Pirkaus View Post
Please allow me to introduce my newest grandchild Elias. Mom and baby doing fantastic! Mrs Pirkaus and I couldn't be prouder.
Mazel tov.
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No matter where I go, here I am...
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Old 11-18-19, 04:48 PM
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Originally Posted by 2manybikes View Post
I had to put Bailey down last week. After finally geting an Ultrasound and a full blood test, there were multiple problems, cancer etc. He could not walk more than a few feet and stopped eating. It was time. I think he felt a lot worse than I thought he did. I wish I did an Ultrasound a long time ago. But that vet said it was not needed, and he was just getting old. Should have had another opinion, back then.
Not your fault. What a special pooch! Sorry to see him go.
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No matter where I go, here I am...
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Old 11-18-19, 04:55 PM
  #2854  
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Originally Posted by rpenmanparker View Post
Neither me. Not at this age.
Correct.
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Addiction is all about class.
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Old 11-18-19, 05:51 PM
  #2855  
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Originally Posted by rpenmanparker View Post
Not your fault. What a special pooch! Sorry to see him go.
Thanks !
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Old 11-18-19, 07:45 PM
  #2856  
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Originally Posted by datlas View Post
I just saw a patient named Suzanne. It got me hearing the famous Leonard Cohen song. I mentioned it to my nurse (who is 50) and the patient (who is in her 70's) and NEITHER of them were familiar with it.

Sad!

It's one of the most beautiful songs I know.

https://www.youtube.com/watch?v=svitEEpI07E
Cohen can do no wrong. I like much harder rock, but he is one of the few exceptions.
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In other news, to effect quick passes of other cyclists out this morning, I did dial it up to 400w to pass several times. It doesn't actually feel like much of anything for that duration. Not sure what that guy was on about.
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Old 11-18-19, 08:01 PM
  #2857  
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Originally Posted by rpenmanparker View Post
Neither me. Not at this age.
Originally Posted by datlas View Post
Correct.
Agree. I still have one term policy, but it will go away at age 65. I am, however, paying a swingeing premium to the government to allow my wife to get 55% of my military-type pension for life, if I get into a Safety & Advocacy situation.
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Old 11-19-19, 05:51 AM
  #2858  
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Once they are into wealth distribution (spendiing) rather than the earlier wealth accumulation (earning and saving), many folks find life insurance unnecessary. In fact either Mrs. rpen or myself will be better fixed financially if/when we find ourselves alone. Just a fact of life. I would urge folks with life insurance policies after retirement age to investigate the value of using them to provide more income while alive. Anyone who watches any cable news TV these days should know that policies can be sold for immediate income. One exception, of course, is when life insurance would replace a pension annuity when the insured dies. Complicated issues.
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Old 11-19-19, 06:28 AM
  #2859  
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Originally Posted by LAJ View Post
Cohen can do no wrong. I like much harder rock, but he is one of the few exceptions.
Ditto
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Old 11-19-19, 06:43 AM
  #2860  
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Originally Posted by rpenmanparker View Post
Once they are into wealth distribution (spendiing) rather than the earlier wealth accumulation (earning and saving), many folks find life insurance unnecessary. In fact either Mrs. rpen or myself will be better fixed financially if/when we find ourselves alone. Just a fact of life. I would urge folks with life insurance policies after retirement age to investigate the value of using them to provide more income while alive. Anyone who watches any cable news TV these days should know that policies can be sold for immediate income. One exception, of course, is when life insurance would replace a pension annuity when the insured dies. Complicated issues.
It's definitely nuanced, but my feeling is usually best strategy is save as best you can, buy inexpensive life insurance when you are young so that by the time you are my age (54) if something happens there is enough savings that you don't need the life insurance. I still have one policy active that I bought about 12 years ago, but it's going to go away in 2-3 years.
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Old 11-19-19, 07:16 AM
  #2861  
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Originally Posted by rpenmanparker View Post
Once they are into wealth distribution (spendiing) rather than the earlier wealth accumulation (earning and saving), many folks find life insurance unnecessary. In fact either Mrs. rpen or myself will be better fixed financially if/when we find ourselves alone. Just a fact of life. I would urge folks with life insurance policies after retirement age to investigate the value of using them to provide more income while alive. Anyone who watches any cable news TV these days should know that policies can be sold for immediate income. One exception, of course, is when life insurance would replace a pension annuity when the insured dies. Complicated issues.
Agree completely. Everyone likes life insurance because it seems like a good deal, but one is much more likely to use disability (expensive) and long-term care insurance (very expensive). When the Boomers spend down and go on Medicaid en masse, it's going to be interesting.
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Old 11-19-19, 08:05 AM
  #2862  
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Originally Posted by MoAlpha View Post
Agree completely. Everyone likes life insurance because it seems like a good deal, but one is much more likely to use disability (expensive) and long-term care insurance (very expensive). When the Boomers spend down and go on Medicaid en masse, it's going to be interesting.
40% of Boomers have passed retirement age.
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Old 11-19-19, 08:29 AM
  #2863  
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Now you have to define the age group for boomers. Without looking I think it ranges from the obvious 1940s to something ridiculous like in the 1960s.
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Old 11-19-19, 08:30 AM
  #2864  
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Off to my chiropractor.
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Old 11-19-19, 08:31 AM
  #2865  
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Guy just dropped down on a rope, cleaned two of my office windows in about 60 seconds and kept on going. No way I would do that job.
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Old 11-19-19, 08:49 AM
  #2866  
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Originally Posted by indyfabz View Post
Guy just dropped down on a rope, cleaned two of my office windows in about 60 seconds and kept on going. No way I would do that job.
I would've when I was younger. I probably would today if the pay was high enough, but I'm pretty sure it's not.
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Old 11-19-19, 08:49 AM
  #2867  
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Originally Posted by indyfabz View Post
Guy just dropped down on a rope, cleaned two of my office windows in about 60 seconds and kept on going. No way I would do that job.
If that gives your the heebie jeebies, you should watch Free Solo, a great documentary about a guy's attempt to free solo (climb without ropes/safety devices) El Capitan in Yosemite, which is about 2x the height of the Empire State Building.
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Old 11-19-19, 08:52 AM
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Originally Posted by rjones28 View Post
40% of Boomers have passed retirement age.
OK Boomer.
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Old 11-19-19, 08:53 AM
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Originally Posted by BillyD View Post
Now you have to define the age group for boomers. Without looking I think it ranges from the obvious 1940s to something ridiculous like in the 1960s.
I was born in 65 and always felt too young to be a boomer but too old to be a Gen Xer.

The official definition of Baby Boomer is born 1946-64, so I missed out by a year.
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Old 11-19-19, 08:57 AM
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Originally Posted by WhyFi View Post
If that gives your the heebie jeebies, you should watch Free Solo, a great documentary about a guy's attempt to free solo (climb without ropes/safety devices) El Capitan in Yosemite, which is about 2x the height of the Empire State Building.
Couple of friends and I used to do free climbing back in the day. Nothing more than 20-30' but still got pretty scary at times.
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Old 11-19-19, 08:57 AM
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Originally Posted by WhyFi View Post
If that gives your the heebie jeebies, you should watch Free Solo, a great documentary about a guy's attempt to free solo (climb without ropes/safety devices) El Capitan in Yosemite, which is about 2x the height of the Empire State Building.
"Free Solo" Sounds more like a "Star Wars" prequel.
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Old 11-19-19, 09:00 AM
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Originally Posted by LesterOfPuppets View Post
Couple of friends and I used to do free climbing back in the day. Nothing more than 20-30' but still got pretty scary at times.
I'm scared to get on top of my roof dormer to install an ice dam wire.

But if you haven't watched the movie, put it on the list. It's very good. It won the 2019 Oscar for best documentary.
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Old 11-19-19, 09:10 AM
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Originally Posted by LesterOfPuppets View Post
I would've when I was younger. I probably would today if the pay was high enough, but I'm pretty sure it's not.
According to Salary.com, the average salary of a window cleaner in Philly is $48.6K. Range is $40.3K-$58.4K.

Don't know if it's urban legend, but someone told me it's tough to impossible to get life insurance if you are a window washer.
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Old 11-19-19, 09:19 AM
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Originally Posted by BillyD View Post
Now you have to define the age group for boomers. Without looking I think it ranges from the obvious 1940s to something ridiculous like in the 1960s.
However you define it, there is a big population bump heading for old age and over half of them will need long-term care. They have a median of less than 200,000 in savings and care will cost them some 50-100K/yr, at a minimum, over an average stay of about 2.28 years. By definition, half of them will have their savings wiped out and more than half will end up indigent and reliant on Medicaid. Another wonderful gift we've given our kids.
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Old 11-19-19, 09:22 AM
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Originally Posted by indyfabz View Post
According to Salary.com, the average salary of a window cleaner in Philly is $48.6K. Range is $40.3K-$58.4K.

Don't know if it's urban legend, but someone told me it's tough to impossible to get life insurance if you are a window washer.
They always ask about things like professional diving, rock climbing, and motor sports, so could be right. On the other hand, you don't hear about those guys dying right and left and there are quite a few of them.
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