U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Retirement
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
 
Old 02-26-2018, 10:34 AM
 
Location: Northern California
107 posts, read 57,111 times
Reputation: 222

Advertisements

Quote:
Originally Posted by matisse12 View Post
I didn't say you identified with Nashville or have anything to do whatsoever with Nashville

Many Tennesseans do not live near Nashville nor identify with Nashville nor have anything to do with Nashville, and they still call it Tennessee, and not Appalachia.
who cares if he/she wants to be more specific? nothing to be griping about
Reply With Quote Quick reply to this message

 
Old 02-26-2018, 11:18 AM
 
11,128 posts, read 8,537,739 times
Reputation: 28094
Quote:
Originally Posted by shokwaverider View Post
There is nothing wrong with not wanting to live near or where poor (or perceived poor) people live. It is a life choice that is made very early in one's working career.
There's nothing wrong with living in the most affordable neighborhood based on your personal income level. That's normal. However, to say that you intentionally avoid people is problematic. You are making hard judgements about people based on their income level.

Need I remind you that there are people who frequent the Retirement forum living in subsidized housing and yes, they are white people. Is that what was meant by "ghetto?"
Reply With Quote Quick reply to this message
 
Old 02-26-2018, 11:44 AM
 
2,704 posts, read 2,368,956 times
Reputation: 3109
Quote:
Originally Posted by mathjak107 View Post
in these parts not many americans want to deliver Chinese food on a bicycle in the winter , wash dishes or get loaded on the back of a landscape truck for 5 bucks an hour .

i can't say around here we have jobs taken by unskilled imported labor that americans even want .
People recite this over and over again and might as well instead say "I lack a basic understanding of capitalism and economics."

You are right. Very few Americans want to do those types of jobs for 5 dollars an hours (Which is considerably less than the federal minimum wage, but I digress...).

The whole point is that if the pool of unskilled workers available were smaller and people weren't willing to do the jobs for minimum wage, the wage would rise. Would people deliver Chinese food on a bike in the winter for 10 dollars an hour? 12? 15? 20? At some point, people here legally would absolutely do these jobs. Welfare reform is a tangential issue as well. But suffice it to say, if doing those jobs was the difference between putting food on the table and not, Americans would take the jobs. As it is, our "safety net" that we provide as a society does in some cases allow people to work no job and live a live very comparable to those who work for minimum wage or close to it.
Reply With Quote Quick reply to this message
 
Old 02-26-2018, 11:53 AM
 
652 posts, read 334,870 times
Reputation: 892
Quote:
Originally Posted by charlygal View Post
Need I remind you that there are people who frequent the Retirement forum living in subsidized housing and yes, they are white people. Is that what was meant by "ghetto?"
I never mentioned anything about Color or "guetto" they are Your words. Do YOU have a problem with that? I just do not want to live anywhere near an area where people do not or cannot afford to keep their homes maintained in good respectable condition. It reduces property values for the surrounding neighbors. Again I have worked for, and earned the right to make that choice.

Last edited by shokwaverider; 02-26-2018 at 12:04 PM..
Reply With Quote Quick reply to this message
 
Old 02-26-2018, 12:12 PM
 
3,090 posts, read 820,707 times
Reputation: 1744
Quote:
Originally Posted by Serious Conversation View Post
...
Agreed the already-in-place person, no matter who that is, often becomes relied on more and more. For my grandmother, that's been my aunt and me. I had been getting the groceries, doing the mowing, and cleaning the house last year. Aunt has been taking on more and more as grandmother became less mobile. Granted, she just had a knee replacement two weeks ago and she may get back to being on her own, but without the help aunt and me provide, she couldn't have remained on her as long as she did.
Quote:
Originally Posted by Serious Conversation View Post
I don't think it's necessarily "poor me" as much as a lot of people really don't have that many options. Those folks are probably not the types to be on this board though.

I know a lot of good people in the $15/hr range. They don't know much about retirement planning. Even if they did, their salary isn't to a point where they have much to save.

There are a lot of folks out there who are going to struggle, even though they didn't make many "errors."
America is a rough place. We are told to be independent and that to depend on others is personal failure, but the reality is that most elderly care *is* provided by family members. Always has been, always will be particularly with income disparities widening. A major health event that requires long-term intense, expensive care simply will bankrupt most. For now, Medicaid is in place - which provides some of the actual care and mitigates the bankrupt portion to a degree.

There was a period of time when one option was LTCi but even that is vanishing (many fewer new policies being sold) as the policy prices soar - and I'm not talking about the future increases to current policy holders. Almost everyone who purchased in the past - even a few years out - probably will come out ahead on the actuarial tables.

Future Medicaid costs could drain State budgets. LTCi was a potential tool - to encourage middle class families to assume some of the risk. The policies were underpriced with use higher than insurance companies anticipated and so it pretty much looks like that option will be a failure. Again, NOT for those who currently hold viable policies. States keep trying to promote policy viability with the short-term caps and the partnership programs ... but ...

I think its a policy failure because (1) the cost of actual non-familial health care is simply TOO high and (2) running it through a private insurance business model is as much of a bust as the mainstream healthcare market.

Like I already said, the price of current LTCi has soared in the last few years - particularly for single women as policies are now priced by sex to reflect actual usage.

Couples - where the policies still make the most sense to protect the at-home spouse - benefit from enormous policy discounts that exist part because families DO provide care and when there is a caretaker already in place usage is lower. Period, particularly for the newer time-limited policies where good planners "save" insurance payouts for when the in-home spouse really can no longer cope. Plus, a spouse tends not to depart for an ALF or SNF until health worsens dramatically. In the interim, this increases the probability that death will occur prior to insurance payout. Pricing reflects that.

Whole different use pattern than for the unlimited policies that actually provided asset protection.

Without a in-place safety net, folks who have insurance tend to use it. Like I said, single female usage is high - and anyone who walks into a nursing homes sees a bunch of little old ladies!

And so we're back (for many) to where we started.

It's not a personal failure if employment history does not provide for financial independence in retirement, particularly when there is infirmity. On the other hand, to not stick money under the proverbial mattress and just assume that family members will devote their lives to your care IS a sort of personal blindness.

Social structures have changed ... jobs for the healthy young often no longer in communities. So, yeah, some are screwed here ... within no doubt worse to come.

This is me on my high horse. But I still maintain that a good hard look at reality and intense planning can help mitigate some of the financial and/or personal chaos. Why doesn't that happen? Maybe because of personal denial ...or problematic familial dynamics ... or the time required ... PLUS, the tools are not in place. Not really.

You say, that most people don't KNOW much about retirement planning - and here, I agree. Stupidity is not an issue. Some of the worst planners are doctors, hampered by the high-personal debt of medical school and time demands. My single woman friends (some with kids and busy jobs) were terrible planners, at least many of them for again time was part of the equation.

For, the quality of the information that I'm seeing is of the same poor quality as what we find in our political media wars. It's not easy nor fast to parse the crap out from the useful (or accurate).

Last edited by EveryLady; 02-26-2018 at 12:23 PM..
Reply With Quote Quick reply to this message
 
Old 02-26-2018, 12:28 PM
 
11,128 posts, read 8,537,739 times
Reputation: 28094
Quote:
Originally Posted by shokwaverider View Post
I never mentioned anything about Color or "guetto" they are Your words. Do YOU have a problem with that? I just do not want to live anywhere near an area where people do not or cannot afford to keep their homes maintained in good respectable condition. It reduces property values for the surrounding neighbors. Again I have worked for, and earned the right to make that choice.
Of course you can live where you want and where you can afford. Yeah, I take issue with you believing other people are less than you if they can't afford the same neighborhood.

I would love for you to toss out a number so that the other CD members can see if you look down on them too.
Reply With Quote Quick reply to this message
 
Old 02-26-2018, 12:32 PM
 
10,604 posts, read 14,202,393 times
Reputation: 17203
Quote:
Originally Posted by EveryLady View Post
America is a rough place. We are told to be independent and that to depend on others is personal failure,

snip
America is a rough place?

That's why millions around the world are fighting to get in here. Legally or illegally.

The people who want universal taxpayer funded health care will NEVER meet the people who don't want it.

But it's not the AMERICAN WAY.

Our Constitution LIMITS GOVERNMENT.

And all of our ancestors came here KNOWING they had to be self sufficient and take personal responsibility to take advantage of the tremendous opportunities here.

The greatest country in the WORLD.

Are we pretending now that our ancestors didn't get sick?

Cowboy movies inform us otherwise.

Ever see the movie "All Mine To Give"? When the parents die and the eldest child goes door to door asking friends to adopt all the kids?

HOW did all the Ireland and UK people get here?

They sent their children here under an indenture to save their lives from starvation over there.

History matters. And so does character.

Loading one's grocery cart up with total crap and becoming ridiculously unhealthy and apathetic is not character.

Not to mention diabetes can be reversed in DAYS. And even Type 1 people can end up with a very low insulin regimen in just as short of time.

See: Simply Raw documentary
Reply With Quote Quick reply to this message
 
Old 02-26-2018, 12:52 PM
 
3,090 posts, read 820,707 times
Reputation: 1744
Quote:
Originally Posted by runswithscissors View Post
America is a rough place?

That's why millions around the world are fighting to get in here. Legally or illegally.

The people who want universal taxpayer funded health care will NEVER meet the people who don't want it.

But it's not the AMERICAN WAY.

Our Constitution LIMITS GOVERNMENT.

And all of our ancestors came here KNOWING they had to be self sufficient and take personal responsibility to take advantage of the tremendous opportunities here.

The greatest country in the WORLD.

Are we pretending now that our ancestors didn't get sick?

Cowboy movies inform us otherwise.

Ever see the movie "All Mine To Give"? When the parents die and the eldest child goes door to door asking friends to adopt all the kids?

HOW did all the Ireland and UK people get here?

They sent their children here under an indenture to save their lives from starvation over there.

History matters. And so does character.

Loading one's grocery cart up with total crap and becoming ridiculously unhealthy and apathetic is not character.

Not to mention diabetes can be reversed in DAYS. And even Type 1 people can end up with a very low insulin regimen in just as short of time.

See: Simply Raw documentary
I agree with all that you say - except for the diabetes although studies do show there can be reversal of "pre-diabetes" and *some* diabetics can manage their condition to achieve low hbA1Cs without medication through diet and exercise.

To stay on point ... there probably won't be universal health care ... our cultural norms won't except it. BUT, the same personal dynamism that led folks to reach these shores to create the economic viability that led to personal success and to the world's most successful economy also leads to the migration patterns not to mention sometimes uniquely American work structures that leave many families spread far apart and impacts the ability to provide the kind of support that existed in the past - even in America.

THAT'S the crisis. That and will Medicaid survive and in what form?

But ... actually your comments on diabetes are quite on point ... for they are based on what searching for information can DO. My mom was diabetic and so a few years back I - like you - took the time to plow through the studies. My endo (I see one for a thyroid nodule) said that among his patients I (again like you) was virtually unique. Not many non-diabetics track post-meal blood sugar.

What I learned is that we are having a diabetic crises of sorts in the United States not just because of our American food/exercise patterns, but because the information provided to patients is, again, mainly crap. Diabetes is identified in the United State primarily by the quick and cheap glucose fasting tests that are part of an annual exam. By the time, an individual fails that test he/she may well have been diabetic for YEARS, and never known it.

So, yes, you are correct - postprandial measurements that a patient can themselves do relatively cheaply using the Relion monitors (Walmart) ??? is the best prevention measure. But do the health articles found on the web provide that information. No. Same thing as for the financial media porn.

Last edited by EveryLady; 02-26-2018 at 01:04 PM..
Reply With Quote Quick reply to this message
 
Old 02-26-2018, 01:52 PM
 
2,677 posts, read 1,071,493 times
Reputation: 5171
Hi OP,

Not many people know that there are different levels of care for elderly people. You might not even need to leave your own home for other accommodation.

Old people don't automatically leave their own homes and go directly to a nursing home. A nursing home is for palliative care and caring for patients who cannot take care of themselves at all like with advanced dementia and if patients are very frail and fragile and cannot feed themselves and so on.

There are other lower levels of care such as supportive living and assisted living which do not entail the higher costs of services like a nursing home. Supportive housing is usually the first step, then progresses to assisted living. But it is wise to remember health plays the major part in whether you will need either service. A good health insurance product is key and your overall health as a younger person is paramount. Invest in these things as well as a savings plan. Check into government programs that can assist the elderly with their expenses. All you need right now is peace of mind that you will be taken care of in your latter years. Pre-planning for this is a good idea.

http://https://assets.aarp.org/rgcen...r_assisted.pdf
https://en.wikipedia.org/wiki/Supportive_housing


Good luck.
Reply With Quote Quick reply to this message
 
Old 02-26-2018, 01:54 PM
 
Location: Prepperland
13,734 posts, read 9,846,987 times
Reputation: 9852
IN the bad old days before glorious socialism, families tended to have spare resources to tend to their aged and infirm members. My grandmother took care of a retarded brother until the day he died - without one dime of gubmint assistance. In fact, most folks relied on large families for their "security."

Unfortunately, thanks to glorious socialism, folks think the gubmint will pay them entitlements by taxing "other people's children." And with the uptick in taxes, more and more adults have to be employed, which makes it impossible for a family to care for its aged and infirm members.

Net result : no large families, declining birthrate, fewer taxpayers, and now old folks have to be shunted to people warehouses for their final days.
THANK YOU, BIG BROTHER
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Retirement
Similar Threads
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top