|
|
Post by Firebottle on Jan 26, 2019 8:43:19 GMT
While I'm relatively healthy, it's easier to keep going but if I let the diabetes get out of hand it'll be a different story. There's also the ever present threat that cancer may return. .... it remains to be seen whether I or both of us will devalue our pensions by taking them early. My health may well play a big part in that and I'd like some fun because my life expectancy isn't anything like the norm. Martin, do it. None of us know what is around the corner health wise. Shirley and I managed to quit the rat race at 53 (me nearly 54) and we took our private pensions early with a draw down. Admittedly it wasn't a lot but what we gained in 'quality of life' was priceless. When you consider the total you will receive from the pension over the number of years you are on early retirement, against the extra you would receive waiting for retirement age always strikes me as a no brainer for taking it early and enjoying life. I appreciate there may be constraints with particular policies. |
|
|
|
Post by MikeMusic on Jan 26, 2019 10:22:17 GMT
One reason I carried on working was the enjoyment of what I was doing.
Work was also what I 'did'
Compare the best times at work to the worst retired ?
I'll take retirement.
|
|
|
|
Post by MartinT on Jan 26, 2019 10:34:52 GMT
It's good advice, guys. I need to do the sums. Of course, Ruth has a big say in it, too.
|
|
|
|
Post by MikeMusic on Jan 26, 2019 10:38:57 GMT
It's good advice, guys. I need to do the sums. Of course, Ruth has a big say in it, too. Naa don't involve Ruth, she's only a woman mate Irony - honest !  |
|
|
|
Post by zippy on Jan 26, 2019 13:07:03 GMT
Everybody told me not to worry about being bored when I retired as I'd be able to do all those things I always wanted to.
That's all very well, but as seems to happen to so many people, within a few months of retirement illness started to limit what I'm able to do.
I've now (4 years later) managed to do 'all those things...' that I'm able, and indeed started to get bored.
There's only so much time you can spend listening to music and watching films until you get bored with that too.
|
|
|
|
Post by MikeMusic on Jan 26, 2019 13:31:18 GMT
3 years in April for me.
No signs yet of being bored and unlikely to happen.
Not enough time to do everything.
Could listen to music all day, but rarely do I get to
|
|
|
|
Post by Chris on Jan 26, 2019 18:05:47 GMT
Fuck.
I'm gonna be working till I'm about 95
|
|
|
|
Post by MartinT on Jan 26, 2019 18:55:09 GMT
Have you got a good pension running, Chris?
|
|
|
|
Post by Chris on Jan 26, 2019 19:41:09 GMT
I've got 4 mate. 3 have just got a little in them and one I have running just now. I think that by retirement time they'll be worth about £25 a month.
I wanted to conglomerate them but you only get surrender value which isn't worth a sook.
|
|
|
|
Post by jandl100 on Jan 26, 2019 19:44:11 GMT
3 years in April for me. No signs yet of being bored and unlikely to happen. Not enough time to do everything. Could listen to music all day, but rarely do I get to Yup. In my 18th year of retirement now. Boredom? - What's that? Too much to do, can't fit it all in. Music, hiking, cycling, reading, stroking cats, looking after tropical fish/aquariums, gardening, hifi box swapping, internet forum time, shopping, household chores (when I absolutely have to). I need 30 hours in a day. Probably more. Luckily, my health remains good. I too have seen people retire then come down with something horrible almost immediately. |
|
|
|
Post by MikeMusic on Jan 26, 2019 20:16:51 GMT
3 years in April for me. No signs yet of being bored and unlikely to happen. Not enough time to do everything. Could listen to music all day, but rarely do I get to Yup. In my 18th year of retirement now. Boredom? - What's that? Too much to do, can't fit it all in. Music, hiking, cycling, reading, stroking cats, looking after tropical fish/aquariums, gardening, hifi box swapping, internet forum time, shopping, household chores (when I absolutely have to). I need 30 hours in a day. Probably more. Luckily, my health remains good. I too have seen people retire then come down with something horrible almost immediately. Retiring and dying shortly after seem(ed) to be common. Probably an urban myth, or for those that had literally nothing to do or who should have retired earlier for health. 8 dogs have me doing a few things |
|
|
|
Post by Chris on Jan 26, 2019 20:32:31 GMT
Our work exercises a wind down period before folk retire. Think that about 2 years before you retire things like an overtime ban come into place
In theory
|
|
|
|
Post by jandl100 on Jan 26, 2019 21:46:19 GMT
|
|
Deleted
Deleted Member
Posts: 0
|
Post by Deleted on Jan 26, 2019 23:12:39 GMT
It’ll be a modern miracle if I manage to live long enough to reach official retirement age.
The heart condition I have had a ridiculously low life expectancy, although I do know a few people who have lived with it for many years. I am coming up to my 4th year since diagnosis, and on the whole I am stable, although at the beginning of January they found a further fault that’s going to need further investigation.
I have a couple of pensions, but neither will be great if I am one of the lucky ones, so would probably need to work on.
|
|
|
|
Post by MikeMusic on Jan 27, 2019 11:18:36 GMT
Our work exercises a wind down period before folk retire. Think that about 2 years before you retire things like an overtime ban come into place In theory Great idea. Hopefully works for the majority. Real world intervenes with the useless ones having their time cut and the good ones working until they drop. |
|
|
|
Post by MikeMusic on Jan 27, 2019 11:26:00 GMT
It’ll be a modern miracle if I manage to live long enough to reach official retirement age. The heart condition I have had a ridiculously low life expectancy, although I do know a few people who have lived with it for many years. I am coming up to my 4th year since diagnosis, and on the whole I am stable, although at the beginning of January they found a further fault that’s going to need further investigation. I have a couple of pensions, but neither will be great if I am one of the lucky ones, so would probably need to work on. These things happen all the time Paul I always remember cystic fibrosis used to be a death sentence in late teens. Doing what you can to keep healthy will always be good Not only that - could push you just far enough to the time there is a fix ! Fairly sure I'd be dead without antibiotics. People died up to and including the 1940s of problems that are now trivial. So much new stuff coming along. There were people researching what vaccines do reported in New Scientist August 2013. Yes, vaccines save lives but hold on.... Studies on the 1000s of children who were vaccinated showed they were less likely to die from all sorts of *other* diseases. Early days then. Love to know where they are now. |
|
|
|
Post by MartinT on Jan 27, 2019 11:50:25 GMT
I'd be dead if it wasn't for my doctor pushing to investigate more than many might have done.
Medicine improves and so does our awareness of food, exercise and mental wellbeing. And, new for me, the incredible importance of sleep.
Anything is possible.
|
|
|
|
Post by MikeMusic on Jan 27, 2019 11:56:21 GMT
Sleep is possibly the biggest influencer there is.
A good kip is better than gold dust.
1-4-2 breathing must be one of the reasons I have lungs 20 years younger than the rest of me
|
|
|
|
Post by Barrington on Jan 27, 2019 12:40:16 GMT
I retired at 50 , being a shift worker I didn't notice that I had retired , that may sound strange but it's true , I was at home 2 weeks out of 3 in the day and went into work later , one week at 3pm then the next at 11pm so when I retired it was just like I haven't gone to work yet . Work was never a big deal it was just somewhere I went for a few hours and I had to stop what I was doing at home till I got back .
|
|
|
|
Post by Chris on Jan 27, 2019 15:27:28 GMT
Sleep is possibly the biggest influencer there is. A good kip is better than gold dust. 1-4-2 breathing must be one of the reasons I have lungs 20 years younger than the rest of me A good kip - at work - is better than gold dust. There fixed it.  |
|
