"Change is never a smooth curve, it comes in leaps and jolts, plateaus and remissions." -- Alexandra Andrews, "Who Is Maud Dixon?"

Are You Ready for Retirement?

     Are you dreaming of retirement, or are you already there? Either way, you can test your knowledge on the subject, and benefit from the results, by taking this simple 14-question test. Go ahead and find out what your Retirement IQ is . . .


     1. Financial experts estimate that you can spend how much of your retirement assets per year?


a) 2%    b) 4%    c) 6%    d) 8%    e) 10%



     2. You're 66. How much longer (according to Social Security actuarial tables) can you expect to live?

a) 10 years    b) 14 years    c) 18 years    d) 22 years    e) 26 years


     3. You're retiring. Maybe you know where you're going to live. But most retirees live:

a) in their old house    b) in a smaller home near their old neighborhood    c) farther out in the country    d) at the seashore    e) in a Sunbelt retirement community


     4. Not everyone moves to the Sunbelt. But if you do, where are you most likely to go?

a) Florida    b) Arizona    c) the Carolinas    d) Pacific Northwest    e) Hawaii


     5. At what age can you start receiving Social Security benefits?

a) 59 1/2    b) 60    c) 62    d) 65    e) 66


     6. What is the average monthly Social Security retirement benefit?

a) $975    b) $1020    c) $1222    d) $1274    e) $1492


     7. Do you have to pay income tax on your Social Security benefit?

a) no    b) depends on how much income you have    c) depends on where you live    d) depends on how old you are    e) all of the above


     8.  At what age do you max out the monthly amount of your Social Security benefit?

a) 65    b) 66    c) 70    d) 72    e) never


     9.  At what age are you eligible for Medicare?

a) 59 1/2    b) 62    c) 65    d) 66    e) 67


     10.  You have probably heard of long-term health insurance that will pay for a nursing home. What are the chances you will actually end up in a long-term-care facility?

a) 5%    b) 10%    c) 25%    d) 33%    e) 50%


     11. What are the chances you'll get Alzheimer's?

a) 5%    b) 8%    c) 13%    d) 21%    e) 48%


     12. What's the number 1 killer of older Americans?

a) cancer    b) heart disease    c) stroke    d) suicide    e) traffic accident


     13. What is the favorite activity of retirees?
 
a) sports    b) travel    c) family    d) sex    e) relaxing


     14. Not everything's about medicine or money . . . who was a member of the Traveling Wilburys?

a) Roy Orbison    b) Johnny Cash    c) Bruce Springsteen    d) Orville Redenbacher    e) Arlo Guthrie




Answers to: Are You Ready for Retirement?

     You took the quiz -- and if you've been paying attention at "Sightings Over Sixty" you should know most of the answers. So . . .  check out the explanations below to see if you're really ready for retirement:

     1. b)  Most experts estimate that you can safely spend about 4% of your retirement assets every year, without worrying about running out of money. Some people who are concerned about current low interest rates recommend a more conservative 3% withdrawal rate; but if that doesn't work for you, you can always (but I'm not necessarily recommending it) buy an annuity which will pay more; or even a 30-year Treasury bond at the current rate of 4%.

     2. c)  According to Social Security actuarial tables, the average 66-year-old male can expect to live another 16 years, 10 months. The average 66-year-old woman will live another 19 year and 5 months . . . for an average of about 18 years.

     3. b)  In smaller accommodations near their old home. According to the U. S. Census Bureau fewer than 2% of retirees moved across state lines in 2010, the latest year reported. Most retirees do downsize at some point, but they typically stay within a two-hour drive of their old home, to be near family and friends.

     4. a)  Florida. In 1990 better than one out of four retirees who moved out of their home state relocated to Florida. Today, it's down to one out of seven. Still, despite the increasing popularity of the Carolinas and the Pacific Northwest as retirement destinations, more retirees move to Florida than any other state.

     5. c)  62. You can start withdrawing money from your IRA without penalty at age 59 1/2. You can begin your Social Security benefits at age 62 -- and receive "full benefits" once you hit full retirement age, which is 66 for most of us. But the better way to look at it: you're eligible to begin benefits anytime between age 62 and 70, on a sliding scale. The longer you wait, the bigger your check.

     6. d)  The average monthly Social Security benefit for a retired worker as of Nov. 2013 (the latest available figure) was $1,274. Benefits are going up marginally for 2014.

     7. e)  All of the above. If Social Security is your only source of income, you will likely pay no income tax. But a portion of your benefit may be taxed by the Federal government if your total income is above a certain amount, starting at $25,000 a year. Also, if you're under 66 and have more than $15,480 in earned income, your benefit will be "reduced." In addition, there are 15 states that, depending on your income, may levy state income tax on your Social Security benefit.

     8. c)  As noted, you can begin Social Security anytime starting at age 62, and the longer you wait the higher your monthly benefit ... up to age 70. After that, you get no increase, so there's no point in waiting beyond age 70.

     9. c)  65. While the age that Social Security considers "Normal Retirement Age" has gone up from 65 to 66, and will continue to go up to 67 for people born in 1960 and later, the age at which you're eligible for Medicare has remained the same, at 65.

     10. d)  It's hard to pin down your chances of ending up in a long-term care facility. Today, there are slightly more than 1 million people in these facilities, and close to 90% of them over age 65. The best guess you'll end up in a facility? About one out of three. If you are female, the chances are higher; for males the chances are lower.

     11. c)  According to Genomes Unzipped, the baseline risk of getting Alzheimer's is approximately 9% for men and 17% for women, for an average of about 13%. It's not that women lose their minds more often; it's that they live longer -- and the primary risk factor for Alzheimer's is age.

     12. b)  Despite all the advances in heart medicine, from statins to transplants, the number one killer in America today is heart disease, accounting for 31.8% of deaths for people over age 65. Cancer is number two, responsible for 21.6% of deaths. Alzheimer's is the cause of death for fewer than 5% of older Americans.

     13. e)  According to several sources, retirees say their favorite activity is traveling. Retirees also volunteer, spend time with friends and family, play golf, go fishing and work in their gardens. But in actual fact, according to U.S. News Retirement, people's favorite activity in retirement is relaxing -- reading, resting, watching TV.
 
     14. a)  The Big O himself, Roy Orbison. Other members of this late-'80s band included Tom Petty, Bob Dylan and George Harrison.

Here's "Handle with Care" by the Traveling Wilburys which came out in 1988:






15 comments:

Unknown said...

Yes! I can say that I am prepared for retirement. But then the sad news is most Americans are not yet prepared for their retirement. According to a new survey discussed in one of ThinkAdvisor article, most Americans are still not ready for retirement and are not preparing for it. The survey says that the main reason for the lack of preparedness is that they don't have the knowledge.
So, I think one of the major challenge that we are facing is educating people about the importance of retirement planning and the factors the needs to be included in their plan, such as protection like life or long term care insurance. We all know that health care and long term care costs are the most expensive expenses that a retiree can face in the future, so therefore, it requires careful and early planning. This is also stressed out in,www.fpsinsurance.com/essentials/long-term-care , "Without a plan, many families become negatively affected by long term care, as the cost of these services is difficult to sustain for an extended period of time. Family caregivers who take care of loved ones are also impacted with stress and further loss of job and income."
I am grateful for blogs like Sightings Over Sixty. You have a great part in educating our people about retirement. I hope you will continue to share your experiences and information so that people will be inspired on planning their future too.

Anonymous said...

I plan to retire in Dec of 2016 @age 65 and I'm trying to secure supplemental health insurance. Once I get a handle on what that will cost my retirement budget will be complete. I'm looking for seminars in the Naperville, IL area to get additional information before I retire on healthcare and what to do after I retire. My children are grown and very supportive of my decision. I come from the era where 'saving' for the future wasn't an option - I needed my paycheck and couldn't think that far ahead - so I've been on the fast track to prepare to retire.

Suggestion on books to read or where I can find out about health care and how to supplement my retirement w/o being a greeter at walmart...not that's there anything wrong with that but for me it's more fun to shop at walmart..:) Thanks Debby

Beyonce Velez said...

Herpes is a serious and recurrent condition that cannot be cured by drugs or injections by US doctors, but the best way to fight against herpes is to take natural herbal remedies, I red about DR JAMES, the great herbalist who cures people of herpes virus with his powerful herbal medicine. I contacted him to find out how he could help me and he told me never to be afraid that he would help me with the natural herbs medicine! After 2 days of contacting him he told me the medicine is ready and he sent it to me via DHL COURIER SERVICE and it got me in 3 days! I used the medication as he prescribed for me (MORNING and EVENING) and was cured! It's really like a dream, but I'm so happy! For people suffering from the following diseases,Diabetes, cancer,Pcos, hypothyroidism, Herpes, COPD, HIV, arthritis, Hpv, infections, liver disease, autoimmune diseases, Parkinson's disease, Lupus and more should contact him for his herbal medicine, because I am a living witness and I was cured of herpes virus. and DR James medicine is legitimate and 100 percent works. I sent him what he asked for and he sent me his medication which I took for 2 weeks and today I am here with a negative result. When I went for the test, I was so happy after I took his herbal mix medicine.
CONTACT DR JAMES FOR A PERMANENT CURE Email: drjamesherbalmix@gmail.com
WhatsApp +2348152855846

Success James said...


I am so Happy to be writing this article in here, i am here to explore blogs forum about the wonderful and most safe cure for HERPES SIMPLEX VIRUS.I was positive to the Virus called HERPES and i lost hope completely because i was rejected even by my closet friends. i searched online to know and inquire about cure for HERPES and i saw testimony about DR Ebhota online on how he cured so many persons from Herpes Disease so i decided to contact the great herbalist because i know that nature has the power to heal everything. i contacted him to know how he can help me and he told me never to worry that he will help me with the natural herbs from God! after 2 days of contacting him, he told me that the cure has been ready and he sent it to me via FEDEX or DHL and it got to me after 4 days! i used the medicine as he instructed me (MORNING and EVENING) and i was cured! its really like a dream but i'm so happy! that's the reason i decided to also add more comment of Him so that more people can be saved just like me! and if you need his help,contact his Email: (drebhotasoltion@gmail.com) You can contact him on WhatsApp +2348089535482 He also have the herb to cure difference cure for any sickness (1) HERPES,
(2) DIABETES,
(3) HIV&AIDS,
(4) URINARY TRACT INFECTION,
(5) HEPATITIS B,
(6) IMPOTENCE,
(7) BARENESS/INFERTILITY
(8) DIARRHEA
(9) ASTHMA..

Success James said...


I am so Happy to be writing this article in here, i am here to explore blogs forum about the wonderful and most safe cure for HERPES SIMPLEX VIRUS.I was positive to the Virus called HERPES and i lost hope completely because i was rejected even by my closet friends. i searched online to know and inquire about cure for HERPES and i saw testimony about DR Ebhota online on how he cured so many persons from Herpes Disease so i decided to contact the great herbalist because i know that nature has the power to heal everything. i contacted him to know how he can help me and he told me never to worry that he will help me with the natural herbs from God! after 2 days of contacting him, he told me that the cure has been ready and he sent it to me via FEDEX or DHL and it got to me after 4 days! i used the medicine as he instructed me (MORNING and EVENING) and i was cured! its really like a dream but i'm so happy! that's the reason i decided to also add more comment of Him so that more people can be saved just like me! and if you need his help,contact his Email: (drebhotasoltion@gmail.com) You can contact him on WhatsApp +2348089535482 He also have the herb to cure difference cure for any sickness (1) HERPES,
(2) DIABETES,
(3) HIV&AIDS,
(4) URINARY TRACT INFECTION,
(5) HEPATITIS B,
(6) IMPOTENCE,
(7) BARENESS/INFERTILITY
(8) DIARRHEA
(9) ASTHMA..

Shurya Wise said...


Greetings to the general public, i want to inform the public how i was cured of HERPES Simplex Virus by a Doctor called Dr. Omola i visited different hospital but they gave me list of drugs like Famvir, Zovirax, and Valtrex whicmptoms and never cured me. I was browsing through the Internet searching for remedy on HERPES and i saw comment of people talking about how Dr. Omola cured them. when i contacted him he gave me hope and send a Herbal medicine to me that i took and it seriously worked for me, i am a free person now without problem, my HERPES result came out negative. I pray for you Dr. Omola God will give you everlasting life, you shall not die before your time for being a sincere and great man. Am so happy, you can also contact him if you have any problem, Email Address dr.omolaherbalhome@gmail.com or whatsapp or call him +2348118116254.thank me later.

sarah rita said...

Hello everyone i was diagnose of herpes simplex virus for about 8months ,I’ve lost all hope and my doctor said there is no possible cure and I have been taken antiviral to sustain myself I have had several out break from the time I was diagnosed till I got to know about Dr.obudu through a friend who he cured of Herpes . I contacted him and he sent me his herbal remedy which I took as he directed me to do for some days and I went to the hospital after consuming his Herbal medicine and I was confirmed Herpes Negative after 8 months of pains and depression , it was indeed a miracle, Dr.Obudu is a great man, I have heard so much about how he has help lot of people, He also cure ALS, HEPATITIS B, CANCER, HERPES, DIABETES and lots more. if you have any issue you can contact him for help add him on whatsapp +2349023428871. or via email:Email drobuduherbalhome@gmail.com or vist his website https://drobuduherbalhome.wixsite.com/welcometoobuduherbal or visit his facebook page https://www.facebook.com/DR-OBUDU-101779795066025/

Angelina Keffi said...

There is a safe & effective Natural Herbal Medicine. For Total Cure Call    +2348025012866,  or email him   drrealakhigbe@gmail.com       For an Appointment with (Dr.) AKHIGBE contact him. Treatment with Natural Herbal Cure. For:Dengue Fever, Malaria. Painful or Irregular Menstruation. HIV/Aids. Diabetics. Vaginal Infections. Vaginal Discharge. Itching Of the Private Part. Breast Infection. Discharge from Breast. Breast Pain & Itching. Lower Abdominal Pain. No Periods or Periods Suddenly Stop. Women Sexual Problems. High Blood Pressure Chronic Disease. Pain during Sex inside the Pelvis. Pain during Urination. Pelvic Inflammatory Disease, (PID). Dripping Of Sperm from the Vagina As Well As for Low sperm count. Parkinson disease. Obesity, Lupus. Soreness/Injury  Cancer.  Tuberculosis.  Zero sperm count. Bacteria, Impotence Fertility,Protoplasmic, Diarrhea. Hepatitis A&B, Rabies. Asthma.  Quick Ejaculation. Gallstone, Cystic Fibrosis, Schizophrenia, Crubs, Cirrhosis,  Premature Ejaculation. Herpes. Joint Pain. Stroke. Cornelia Disease, Weak Erection. Ovarian problem,  HeartBurn, Erysipelas, Thyroid, Relapsing polychondritis,  Discharge from Penis. Bronchial Problem,  HPV.  Hepatitis A and B. STD. Smallpox, Staphylococcus + Gonorrhea + Syphilis. Heart Disease.  Pile-Hemorrhoid.rheumatism,  Impotence, thyroid, Autism, Depression,  Sepsis Bacteria,  Penis enlargement, Prostate Problem,  Waist & Back Pain.  Male Infertility and Female Infertility. Etc. Take Action Now. contact him & Order for your Natural Herbal Medicine:  +2348025012866  and email him    drrealakhigbe@gmail.com    Note For an Appointment with (Dr.) AKHIGBE.I suffered in Cancer for a year and three months dying in pain and full of heartbreak. One day I was searching through the internet and I came across a testimony of herpes cure by doctor Akhigbe. So I contacted him to try my luck, we talked and he sent me the medicine through courier service and with instructions on how to be drinking it.To my greatest surprise drinking the herbal medicine within three weeks I got the changes and I was cured totally. I don't really know how it happens but there is power in Dr Akhigbe herbal medicine. He is a good herbalist doctor.

Ava Brandon said...

Finally I am free from herpes virus, with the help of Dr.Omola pure herbs, This Virus appeared at the age of 29, with no hope of a cure from the hospitals i have went to, I thought my life have come to an end, until a Facebook friend of mine told me about Dr. Omola who treats all Kinds of diseases including Herpes, I contacted him via his email: dr.omolaherbalhome@gmail.com, I explain everything to him so he ask for my home address, after telling me the cost of the herbal medicine so we agree at a particular price, he prepare the herbs and make delivery to me via FedEx delivery service they deliver the herbs to my door step, I drink the herbs as him instructed, I went for test in 3 different hospital and it was negative, today I'm free from herpes virus.
You should try Dr.omola herbs I'm not the first person to be cured with his herbs there are different testimony about this herbal doctor, your case can not be different, here is his WhatsApp No +2348118116254 email: dr.omolaherbalhome@gmail.com.

Ava Brandon said...

Finally I am free from herpes virus, with the help of Dr.Omola pure herbs, This Virus appeared at the age of 29, with no hope of a cure from the hospitals i have went to, I thought my life have come to an end, until a Facebook friend of mine told me about Dr. Omola who treats all Kinds of diseases including Herpes, I contacted him via his email: dr.omolaherbalhome@gmail.com, I explain everything to him so he ask for my home address, after telling me the cost of the herbal medicine so we agree at a particular price, he prepare the herbs and make delivery to me via FedEx delivery service they deliver the herbs to my door step, I drink the herbs as him instructed, I went for test in 3 different hospital and it was negative, today I'm free from herpes virus.
You should try Dr.omola herbs I'm not the first person to be cured with his herbs there are different testimony about this herbal doctor, your case can not be different, here is his WhatsApp No +2348118116254 email: dr.omolaherbalhome@gmail.com.

faithlawrence said...

I was diagnosed of HERPES Virus in 2011 and I have tried all I can to get cured but all to no avail, until i saw a post in a health forum about a herbalist man who prepare herbal medication to cure all kind of diseases including HERPES virus, at first i doubted if it was real but decided to give it a try , when i contact this herbalist via his email and he prepared a HERPES herbal cure and sent it to me via UPS delivery company service, when i received this herbal cure, he gave me step by directions on how to apply it, when i applied it as instructed, i was totally cured of this deadly disease within 14days of usage, I am now free from the deadly disease called herpes, all thanks to Dr ODOMA you can rich this great herbal doctor via his email: (drodomasolutionhome20@gmail.com) call or whatsapp him on his mobile number +2348100649947He also have the herb to cure:(1) ALS,(2) DIABETES,(3) HIV AIDS,(4) URINARY TRACT INFECTION,(5) CANCER,(6) HERPES(7)HPV

Unknown said...

I AM SO VERY HAPPY TODAY!!! That is why am giving this big thanks to Dr. Aluda for curing me from HERPES. I have been suffering from HERPES for the past six (6)years and i tried everything possible to get myself cured but i could’nt get any solution! until i decided to try herbal cure. That was how i got in contact with this great herbal doctor in an online research, i contacted him and demand for the cure and he send me the cure through FedEx and gave me instructions on how to use it and after one week of taking the herbal medicine of Dr. Aluda i went to the hospital for check and to God be the glory i tested HERPES negative, (I am so glad to see myself HERPES negative once again). I’m very proud to express my happiness through this platform and to say a big thanks to Dr. Aluda for restoring my life back to normal. You can as well contact Dr. Aluda via whatsapp +2348145636867 or email: draludaharbalhome @gmail. com if you are infected with HERPES virus or having any health problems you can contact Dr. Aluda and he will help you. DOCTOR Aluda CAN AS WELL CURE THE FOLLOWING DISEASE:1. HIV/AIDS
2. HERPES
3. CANCER of all kind
4. HSV 1&2
5. Herpatitis B
6.Diabetes
7.HPV
8.COPD (Chronic Obstructive Pulmonary Disease)
9.Asthma10.Acute angle-closure Glaucoma
11.Sickle cells
12.CHRONIC PANCREATITIS Dr. Aluda is capable of curing any type of diseases with his herbal medicine.

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Martha said...

I'm here to testify about what DR. OYAGU did for me. I have been suffering from (GENITAL HERPES VIRUS) disease for the past 2 years and had constant pain and inching, especially in my private part. During the first year, I had faith in God that i would be cured someday. This disease started circulating all over my body and I have been taking treatment from my doctor, few weeks ago I came across a testimony of Shayla Bosschart on the internet testifying about a Man called DR. OYAGU on how he cured her from 7 years HSV 2. And she also gave the email address of this man, advise anybody to contact him for help on any kind of diseases that he would be of help, so I emailed him telling him about my (HSV 2) he told me not to worry that I was going to be cured!! Well, I never doubted him I have faith he can cure me too,, DR. OYAGU prepared and sent me Healing Soap, roots and herbs which I took. In the first one week, I started experiencing changes all over me, after two weeks of using his Roots/ Herbs, Oil and Soap, I was totally cured. no more inching , pain on me anymore as DR. OYAGU assured me. After some time I went to my doctor to do another test behold the result came out negative. So friends my advise is if you have such disease or know anyone who suffers from it or any other disease like HPV, HBV, HIV, ALS, HBP, CANCER etc. you can contact DR. OYAGU for help via email} oyaguherbalhome@gmail.com visit his website https://oyaguspellcaster.wixsite.com/oyaguherbalhome whatsapp him through his mobile} +2348101755322. , Thanks once again DR. OYAGU for making me a happy woman again.

Angela said...

The greatest Joy in my life today is that i have been cured of Herpes by a Doctor called Dr. Edualekhide, I was infected with HERPES Disease in 2017, i went to many hospitals for cure but there was no solution, so I was thinking how can I get a solution, So that my body can be okay. Until one faithful day as I was browsing on the internet I saw a testimony on how Dr. Edualekhide has helped people in curing Herpes and other diseases, quickly I copied his WhatsApp number so i contacted him for solution for my Herpes disease, So Dr. Edualekhide told me that his going to prepare his herbal medicine for my health which he sent to me, luckily after 2week my Herpes was cured. Dr. Edualekhide is well recognized as one of the best herbalist doctors in Africa, you don't have to be sad anymore or share your tears anymore on this disease when the cure is available. The medicine has NO SIDE EFFECT, There's no special diet when taking the medicine. He also cures ALS, HIV AIDS, CANCER, HPV, DIABETES and lots more.

Here is his E-mail: dredualekhide@gmail.com

Website: https://dredualekhide.wixsite.com/website

You can quickly reach me on via mail: angelaoscar06@gmail.com