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PostPosted: Fri Jul 24, 2020 12:35 pm 
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Joined: Sat Nov 03, 2007 4:19 pm
Posts: 9156
Location: Coalmont BC
No nursing home for me. I'll be checking into a Holiday Inn!

With the average cost for nursing home care being $188.00 per day, there is a better way when we get old and too feeble.
I've already checked on reservations at the Holiday Inn.
For a combined long term stay discount and senior discount, it's $59.23 per night.
Breakfast is included, and some have happy hours in the afternoon.
That leaves $128.77 a day for lunch and dinner in any restaurant we want, or room service, laundry, gratuities and special TV movies.
Plus, they provide a spa, swimming pool, a workout room, a lounge and washer dryer, etc.
Most have free toothpaste and razors, and all have free shampoo and soap.
$5 worth of tips a day you'll have the entire staff scrambling to help you.
They treat you like a customer, not a patient.

There's a city bus stop out front, and seniors ride free.
The handicap bus will also pick you up (if you fake a decent limp).
To meet other nice people, call a church bus on Sundays.
For a change of scenery, take the airport shuttle bus and eat at one of the nice restaurants there.
While you're at the airport, fly somewhere.
Otherwise, the cash keeps building up.

It takes months to get into decent nursing homes. Holiday Inn will take your reservation today.
And you're not stuck in one place forever -- you can move from Inn to Inn, or even from city to city.
Want to see Hawaii ? They have Holiday Inn there too.
TV broken? Light bulbs need changing? Need a mattress replaced? No problem. They fix everything, and apologize for the inconvenience.

The Inn has a night security person and daily room service. The maid checks to see if you are ok. If not, they'll call an ambulance . . . or the undertaker.
If you fall and break a hip, Medicare will pay for the hip, and Holiday Inn will upgrade you to a suite for the rest of your life.

And no worries about visits from family. They will always be glad to find you, and probably check in for a few days mini vacation.
The grand-kids can use the pool.
What more could I ask for?

So, when I reach that golden age,
I'll face it with a grin.

Bob

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Dominion Marksman Silver Shield - 5890 x 6000 in 1976, and downhill ever since!
Airsonal;
Too many! Springers, Pumpers, CO2, but I love my PCPs and developing them!
Proud Member of the 2000+fps Club!


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PostPosted: Fri Jul 24, 2020 12:37 pm 
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Joined: Thu Mar 01, 2018 8:01 pm
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Location: Klowntown BC
stealing that for my FB!!!! (62 in a couple of weeks)


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PostPosted: Fri Jul 24, 2020 6:26 pm 
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Location: Caronport, Saskatchewan
Wow, that sounds like the way to go!! 8)

Sent from my SM-A515W using Tapatalk

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PostPosted: Fri Jul 24, 2020 9:25 pm 
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Joined: Wed Jan 05, 2011 12:35 pm
Posts: 7007
Location: P.G. B.C.
Lordy - I feel almost like reserving a room today!!!!!!!!!!!!!!!!

Good post, Bob.

Makes sense to me.

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PostPosted: Fri Jul 24, 2020 10:02 pm 
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Joined: Sat Mar 16, 2013 5:15 am
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Location: Edmonton
Sounds fabulous, until you do the math and discover you need a tax-clear income of $5700/month or more than $68,000/year -- after taxes! In the 25% tax bracket, your gross income should be in the neighbourhood of $90,000 annually.

So, after contributing to the govt plans for 50+ years in an upper-middle tax bracket, I receive approx $2,200 (taxable) every month for pension and "old age security." I also receive a modest pension for one job in my career where I actually qualified for the pension plan, and I also contributed regularly to an RSP for several decades because I was primarily self-employed).

On the debit side of the leger, I also had two sons, both of whom wanted further education. And later, I also had a divorce in which my pension's values were reduced by 50%.

Long story short(er), made a decent living, exercised diligence in preparing for my retirement, ran into not uncommon circumstances, and finally ended up with a retirement income that would be far above someone who did nothing in prep for his retirement...

... but neither can I afford a full-on retirement home, nor can I afford the "Holiday Inn" experience (as if I would ever live in a 300 sq. ft. domain-both back and front yard a parking lot-no shooting :roll: ).

Bottom line, "kudos," Bob, for thinking rationally (given such funds are available) and creatively. Sorry if I've turned a light-hearted post in to something else, but I'm sure, based on the demographic of the regular member on this forum, I'll also wager on the fact that there are many who are saying, "I wish it were that easy."

All that said, I'm still hoping to spend a week at your motel (home) sometime soon. :drinkers:


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PostPosted: Fri Jul 24, 2020 10:27 pm 
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Joined: Wed Jan 05, 2011 12:35 pm
Posts: 7007
Location: P.G. B.C.
$53.69 per night is only $21,618.95 per year.
Cheap considering it includes bedding, utilities and breakfast.

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Daryl


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PostPosted: Fri Jul 24, 2020 11:22 pm 
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Joined: Sat Mar 16, 2013 5:15 am
Posts: 3874
Location: Edmonton
You're right, Daryl, I mixed up a couple of numbers :oops:

Holiday Inn would only cost me $1800/mo. for bed/bath.

I pay $1,000/mo now for 1,000 sq/ft (utilities in).

I won't repeat the money exercise, but suffice it to say, my numbers
reflected the costs of the nursing home option. Result: out of the
question.

If I could really afford it, for an additional $800/mo I could have
two meals delivered daily delivered daily (maybe I'd have to add a
fraction of the cost I would have to put aside for shopping for my
own groceries (or going to a restaurant for dinner in the HJ scenario.)

Suffice it to say: I wish it were that easy. :wink:


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PostPosted: Sat Jul 25, 2020 7:37 am 
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Joined: Mon Aug 08, 2016 7:23 am
Posts: 3886
Location: Somewheres near the Atlantic
I just made a change on my Mortgage and should have it fully paid off by time I'm 52 ( 16 years from now ) Now I have alot of friends saying that I'm lucky, lucky no? Well just smart. I chose to live in a smaller house. I originally only paid 92K for it. I got a friend that just went out and bought a 450K condo.

In 6 and 7 years, Ill have my car and loan paid off. So there is extra money.

So when I'm 53, I don't know what I'll do with the extra money I got.

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 Post subject: ROR ME!!!!
PostPosted: Sat Jul 25, 2020 8:20 am 
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Joined: Sun Dec 06, 2015 5:03 pm
Posts: 878
I always find it funny (or disturbing) when talking about "financial" planing with some people... Unless they win the lottery, they'll be making house/car/credit payments until they're in their 90's...

Put some $ aside for RRSP's... Nope, don't have it.
Put some $ aside for rainy days... Nope

What are you going to do when its time to retire?
- Oh, we'll figure it out :?

Image


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 Post subject: Re: ROR ME!!!!
PostPosted: Sat Jul 25, 2020 8:37 am 
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Joined: Mon Aug 08, 2016 7:23 am
Posts: 3886
Location: Somewheres near the Atlantic
sillymike wrote:
I always find it funny (or disturbing) when talking about "financial" planing with some people... Unless they win the lottery, they'll be making house/car/credit payments until they're in their 90's...

Put some $ aside for RRSP's... Nope, don't have it.
Put some $ aside for rainy days... Nope

What are you going to do when its time to retire?
- Oh, we'll figure it out :?

Image


It's not just Millennials. My father is 63 and just last summer bought a 300K house. He still had a mortgage on his other house. And because of that, there was a extra 50K penalty or something. His wife was like not sure how we are going to afford it once my father actually retires.

Many around here think I'm on welfare because I'm always home and such. But I am not. I have a medical and service pension.

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PostPosted: Sat Jul 25, 2020 9:03 am 
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Joined: Sun Dec 06, 2015 5:03 pm
Posts: 878
I know, it's just not millennial... Seems like there is a collective need to keep up with the Joneses
- The last Covid-19 highlighted some of the issues...


Image

Image
- Tried explaining to a 25 year old employee that $20 a week for a fancy gym would be over $130k in RRSP's by the time he retires...


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PostPosted: Sat Jul 25, 2020 9:41 am 
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Joined: Wed Dec 02, 2009 4:04 pm
Posts: 1117
This maybe one of the most important posts i've ever read on this forum.

Airguns aside... :shock:


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PostPosted: Sat Jul 25, 2020 9:46 am 
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Joined: Wed Jan 05, 2011 12:35 pm
Posts: 7007
Location: P.G. B.C.
For got to mention bed laundry done for you
and free local phone, Internet and TV - there's
another $150 saving per month over being in your
own home.
Of course, being ambulatory is necessary.

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Daryl


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PostPosted: Sat Jul 25, 2020 10:13 am 
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Joined: Fri Jan 22, 2010 1:17 pm
Posts: 2394
Location: Kingston, ON
I didn't think for a moment Bob wrote that piece, it's purely fiction:
https://www.lovewhatmatters.com/no-nurs ... per-night/

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HW97K .22
Hatsan AT44-10W .22
Cometa Fusion Premiere Star .22 /.177


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PostPosted: Sat Jul 25, 2020 10:25 am 
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Joined: Sat Nov 03, 2007 4:19 pm
Posts: 9156
Location: Coalmont BC
Nope, didn't write it, pure plegarism all the way.... :oops: .... I guess I should have put it in quotes, or in the Jokes section.... My wife sent it to me in an email, and I copy/pasted it here....

When you consider that nursing homes are deductible as a medical expense, it changes the whole dynamic, of course.... not to mention if your income is low enough the government will subside the cost (for a shared room).... If you get to that level of need (any many are), they take all your money, and income, pay for the nursing home, and then give you a very small allowance out of your OAS for "incidentals"....

Also, the above scenario assumes you are ambulatory, and would be in a "seniors residence" where you only need minimal/no care and just need a place to eat and sleep.... For most of us, that is a temporary phase, unfortunately.... before we get to the point of needing constant supervision and care.... :cry:

Bob

_________________
Dominion Marksman Silver Shield - 5890 x 6000 in 1976, and downhill ever since!
Airsonal;
Too many! Springers, Pumpers, CO2, but I love my PCPs and developing them!
Proud Member of the 2000+fps Club!


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