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Old 09-16-2015, 09:28 AM   #61
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Yes, this is a common, long term observation. Most people really don't have a clue about retirement issues. I have resigned myself to basically ignoring them and ensuring I spread the "gospel" to people and relatives I think can benefit from my advice. Hard to suppress the smugness though.
I have no one to preach to but I'm definitely thankful for the advice I've received from older relatives and co-workers. They were the ones who made me aware that we had a deferred comp plan in the first place to supplement the DB pension.

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Here's another question. Do you think low cost of living locations have more of these clueless people than Other areas? Probably not.
In the current US climate where the prevalent thinking is YOLO, I think it's probably around the same regardless of area. I reckon there are probably plenty of folks relying on SS in their old age. Those who grew up in poor and depressed situations and know that they can't rely on the government for help are more likely to save for their own future.
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Old 09-16-2015, 09:58 AM   #62
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I have friends who are serial enterpreneurs. They have started, owned and sold many businesses over the last 35 years. They take long breaks between to pursue interests other than working, get an idea for a new business and then go back to working. I admire that lifestyle. It's different from the way many of us toil, toil, toil and then retire, but has much less possibility that they croak before getting in some "retirement" years!
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Old 09-16-2015, 10:21 AM   #63
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And as those that failed to save for retirement say: "Welcome for shopping at Walmart."
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Old 09-17-2015, 06:02 AM   #64
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Times are really getting hard. Our local Wal-mart no longer has a greeter!

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And as those that failed to save for retirement say: "Welcome for shopping at Walmart."
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Old 09-17-2015, 08:48 AM   #65
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Times are really getting hard. Our local Wal-mart no longer has a greeter!

We must have too many pilferers at our nearby store as they reinstated Granny and Grampa greeters after a brief hiatus. Personally I believe young "Muscle Heads" should be the greeters and have carte blanche to rough up the offenders in the back room.


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Old 09-17-2015, 09:01 AM   #66
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Personally I believe young "Muscle Heads" should be the greeters and have carte blanche to rough up the offenders in the back room.

But only if they stole $25 or more...

According to the internal Wal-Mart document, the new shoplifting policy has changed from “Shoplifter Apprehensions” to “Investigation and Detention of Shoplifters.” In particular, the new shoplifting document explains to Wal-Mart workers that “the guidelines for prosecution of shoplifters have changed: the retail value of the merchandise recovered must exceed $25, and the suspected shoplifter must be at or between the ages of 18 and 65.”
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Old 09-17-2015, 10:01 AM   #67
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But only if they stole $25 or more...



According to the internal Wal-Mart document, the new shoplifting policy has changed from “Shoplifter Apprehensions” to “Investigation and Detention of Shoplifters.” In particular, the new shoplifting document explains to Wal-Mart workers that “the guidelines for prosecution of shoplifters have changed: the retail value of the merchandise recovered must exceed $25, and the suspected shoplifter must be at or between the ages of 18 and 65.”

Senator, you are turning me into a softie....Im ok with $25 and over before some cracked ribs occur.


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Old 09-17-2015, 10:42 AM   #68
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What? People over age 65 can shoplift with impunity?

I'm preparing Mr. A.'s Wal-Mart shopping list!

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But only if they stole $25 or more...

According to the internal Wal-Mart document, the new shoplifting policy has changed from “Shoplifter Apprehensions” to “Investigation and Detention of Shoplifters.” In particular, the new shoplifting document explains to Wal-Mart workers that “the guidelines for prosecution of shoplifters have changed: the retail value of the merchandise recovered must exceed $25, and the suspected shoplifter must be at or between the ages of 18 and 65.”
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Old 09-17-2015, 10:45 AM   #69
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"............. the suspected shoplifter must be at or between the ages of 18 and 65.”
Cool! Medicare, SS and impunity! Something to look forward to.
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Old 09-17-2015, 11:23 AM   #70
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I know a few people (outside the IT circle I was in) who make an honest living but get paid very little. I don't even know how they can make ends meet with their paychecks, much less save money. Knowing how much they make in an hour and how much I used to make in an hour, it is kind of heart breaking.
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Old 09-17-2015, 02:05 PM   #71
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I know a few people (outside the IT circle I was in) who make an honest living but get paid very little. I don't even know how they can make ends meet with their paychecks, much less save money. Knowing how much they make in an hour and how much I used to make in an hour, it is kind of heart breaking.
Don't feel too bad, my guess is that many if not most were not working as long or hard as you were studying in school and keeping up your skills afterwards. I have friends too (outside of IT) who are good people, work hard, but make very little. On the other hand, it was their choice. They never took the effort to get the degree, the contractors license, etc. even though they did have the opportunity.

There are some people who have truly been dealt a bad hand, with illness or tragedy in their life, living in war torn or desperately poor parts of the world. These are truly heart breaking. And failures beyond their control. But for most here in the developed world, the only heartbreak is that they chose poorly.

I have told my kids many times that they live in the real world, and as much as they are loved by their family, their only economic value lies in the services they can perform, the problems they can solve, and how much these are worth in the marketplace. So far they seem to have taken that advice.
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Old 09-17-2015, 03:28 PM   #72
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... and the suspected shoplifter must be at or between the ages of 18 and 65.”
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What? People over age 65 can shoplift with impunity?

I'm preparing Mr. A.'s Wal-Mart shopping list!
I'll be preparing mine next spring when I'm 66. Whoo hoo!
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Old 09-17-2015, 08:39 PM   #73
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I know a few people (outside the IT circle I was in) who make an honest living but get paid very little. I don't even know how they can make ends meet with their paychecks, much less save money. Knowing how much they make in an hour and how much I used to make in an hour, it is kind of heart breaking.
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