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Apple fanboy said:
So I think it works a little differently. Say your house is worth £500,000. The equity company would lend you say a maximum of £200,000. You don’t have to pay it back and they can’t force you out of the property before you die or move into a care home. Then the house is sold after this and they get their % back (which will be much more than the original £200,000 you borrowed!). Anything left goes to your beneficiary’s.
I believe it’s a terrible deal. But many see it as a way to enjoy their retirement.
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That sounds similar to what they do here, too although there probably are some differences as well. Thankfully I have not been in a situation where I would even consider such an option and if I wanted to get the equity out of my home I would simply sell it, especially if moving to a different location or a care facility. I agree, it is a risky and unsafe deal and I wouldn't be able to enjoy one minute of my retirement knowing that I were living on borrowed time, so to speak, with regard to my home, my mortgage and my equity in it.
 
AngerDanger said:
Never heard the phrase "retire yourself to death," but I've heard of people working themselves to death.

Plus, you can retire and still do what you love. If money were no concern, I'd still be doing this. 🙂
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I'm fortunate in that in retirement I CAN indeed do what I love: taking photos to my heart's content and reading, reading, reading (often until the wee hours of the morn), and hanging out in libraries! You can take the girl out of the library but you can't take the library out of the girl...... 😀
 
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It hurts a ton when you get adhesions/scar tissue massaged out before therapeutic ultrasound. She also used what looked like a mini jack hammer and I could feel it through my whole abdomen.

I'll update my pain scale tomorrow when I'm not so sore.
 
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Thinking good things...and hoping mom is getting some sleep.

No Covid vaccination yet, they cancelled on me twice.

Hope everyone is okay.
 
JamesMike said:
I was fortunate, retiring the first time at 38, I could choose what I wanted to do which lead to my 2nd and 3rd careers. They were challenging, but a lot of fun, for the most part.
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At 38. That would have been lovely! Reverse that and I’m sure that will be closer to the truth for me. After all we will have Covid to pay for for the next 20-30 years I’m sure.
 
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kazmac said:
Thinking good things...and hoping mom is getting some sleep.

No Covid vaccination yet, they cancelled on me twice.

Hope everyone is okay.
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That must be so frustrating! Were you able to manage a vaccination for your mother, or is that the one which has been canceled twice now? I hope you're able to arrange a home vaccination visit for her. Presumably you, too, are also looking for vaccination for yourself if you have not already been able to get it done......
 
Clix Pix said:
That must be so frustrating! Were you able to manage a vaccination for your mother, or is that the one which has been canceled twice now? I hope you're able to arrange a home vaccination visit for her. Presumably you, too, are also looking for vaccination for yourself if you have not already been able to get it done......
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Actually, no it is not frustrating. 🙂 The neighbor noise/pot situations are frustrating.

Mom decided she doesn’t want the vaccine for now. I respect that.
 
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Ah, so it's your own vaccination appointments which have been canceled on you twice.....I would find that annoying and frustrating! Hope that things work out so that eventually you DO finally manage to get your vaccination!

Since your mother doesn't go out and isn't mingling in the general population I can understand why she is reluctant to go ahead with a vaccination, especially if it is going to involve more than just her being able to go to a place to get it but rather having a home visit for it..... I do hope that the situation eases up at some point so that she is able and willing to go ahead with the vaccination anyway.

Neighbor noise and the aroma of pot floating into your own personal living area would absolutely be more than frustrating and I'm sure you can't wait to move out of the place where you are living! Hope that things work out for you so that you can move sooner rather than later......
 
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Clix Pix said:
Ah, so it's your own vaccination appointments which have been canceled on you twice.....I would find that annoying and frustrating! Hope that things work out so that eventually you DO finally manage to get your vaccination!

Since your mother doesn't go out and isn't mingling in the general population I can understand why she is reluctant to go ahead with a vaccination, especially if it is going to involve more than just her being able to go to a place to get it but rather having a home visit for it..... I do hope that the situation eases up at some point so that she is able and willing to go ahead with the vaccination anyway.

Neighbor noise and the aroma of pot floating into your own personal living area would absolutely be more than frustrating and I'm sure you can't wait to move out of the place where you are living! Hope that things work out for you so that you can move sooner rather than later......
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My bad if I wasn’t clear on the vaccinations.

Indeed, neighbor BS is ridiculous. Cannot wait to move, but it’ll be awhile.

Hope you and everyone here are okay.
 
kazmac said:
My bad if I wasn’t clear on the vaccinations.

Indeed, neighbor BS is ridiculous. Cannot wait to move, but it’ll be awhile.

Hope you and everyone here are okay.
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So sorry about your continuing neighbour problems. That is the worst...

In other news still waiting on how my work in study abroad program will resume.

I know social media has been in most of our bad books lately and for good reason, but it is one of the few ways I can keep in touch with far-flung family. It is the main way I communicate with my niece when we chat about the latest on the MCU (which she is a big fan of) and Dr. Who (which we both love).

I also found the account of a celebrity crush from my youth *blushes* - the brilliant and still beautiful figure skater Katerina Witt who enchanted me during the 1988 Calgary Olympics.
 
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decafjava said:
So sorry about your continuing neighbour problems. That is the worst...

In other news still waiting on how my work in study abroad program will resume.

I know social media has been in most of our bad books lately and for good reason, but it is one of the few ways I can keep in touch with far-flung family. It is the main way I communicate with my niece when we chat about the latest on the MCU (which she is a big fan of) and Dr. Who (which we both love).

I also found the account of a celebrity crush from my youth *blushes* - the brilliant and still beautiful figure skater Katerina Witt who enchanted me during the 1988 Calgary Olympics.
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I hope you find out about your work in the study abroad program soon. Glad you found Ms. Witt’s account too.

Yes, social media has been good to me too (The cute cat and bird imagery has been relaxing. Plus, light communications with some favorite musicians and comic book artists has been fun. Also spitballing about my fave Marvel character Moon Knight -whose MCU debut is coming next year- is just a joy.)
 
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cosmichobo said:
Maladaptive Daydreaming... Finally a name for what's going on inside my head. Well, at least a portion of what's going on inside my head.
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Off in the Tardis again are we? I just looked up what Maladaptive Daydreaming is and ummm oh oh....well maybe maybe not.
 
decafjava said:
Off in the Tardis again are we? I just looked up what Maladaptive Daydreaming is and ummm oh oh....well maybe maybe not.
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Ever since the Doc dropped by when I was a kid; hell of an education travelling all of Time and Space in a little blue box! Nearly as good as battling the Borg, but - hell we all know the Cybermen are more of a threat...

yaxomoxay said:
Similar to the Walter Mitty Syndrome... used to be there myself.
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2nd grade teacher called my a storyteller... Father called me a daydreamer... Guess both were right.
 
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