Monday, January 28, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 8 updates in 3 topics

ggggg9271@gmail.com: Jan 28 04:03PM -0800

> Affected by gov't shutdown?
 
https://www.cbsnews.com/news/as-tax-season-begins-heres-how-behind-the-irs-is-2019-01-28/
ggggg9271@gmail.com: Jan 28 11:04AM -0800

http://money.com/money/5273063/best-senior-discounts/
Michael Black <mblack@pubnix.net>: Jan 28 03:49PM -0500


> http://money.com/money/5273063/best-senior-discounts/
 
Aren't the best senior discounts the ones that are useful to yourself?
 
There's also a wide range of the definition of "senior", so one might
assume that the ones that kick in earlier are the best. Though it has to
be useful too.
 
So I could join the local library for a $50 fee at 55, except I live here
so I don't have to pay. An independent library is $20 when you turn
sixty, which is pretty good, I think I'll join at the end of October.
Actually, they have a life membership for $500, which I wish I knew about
before, because you get a better return if you get the life membership
early. I'll have to live 25 years before I start saving money if I get
the life membership at 60. Some of the libraries have Friends of the
Library group, and I'm not sure what the real benefits are to joining,
though I realize the groups overall do useful things for the libary. But
one that has an annual booksale that's worth going to has an annual fee of
five dollars if you are sixty, so that won't work till next year, but I
think it's worth five dollars. The key part is that the sale has a few
hours for the Friends members, so at five dollars it's like an entry fee
to the booksale. I figure that's worth it.
 
My bank has some sort of senior account, that kicks in at 60. I'm not
sure the exact deal, but it might be useful.
 
Via Rail here in Canada has senior discounts when you turn sixty, if you
want to travel that might be useful.
 
Though I've been paying attention as the countdown begins. I may have
mentioned it, but we had "discount" department store chain here, and they
had a day each month for a senior's discount, a friend mentioned it. I
figure the time the cashier handed me the flyer for it she assumed I was
old enough. It kicked in at 55. So I was waiting, but the chain shut
down, sold the leases to Target, which meant a few years of declining
quality and sales, and then almost a year while Target renovated the
stores, than a year after the nearest store opened, Target said they were
losing too much money in Canada, and went into a clearance sale. I think
about the time they made the announcement, I was 55 and could have got a
discount if the previous chain had stayed open.
 
The YMCA here seems to have a senior discount at 65, it might be healthier
to have that kick in earlier. That way you get healthy before you really
need it.
 
SO there were deals at 55, but not so many. They seem to start kicking in
more at 60, and by 65 I'm thinking most deals have kicked in. Public
transit here has a senior's discount once you're 65.
 
I figure on my birthday in October I should try for all those birthday
deals, and then see what senior discounts will kick in that day. I'v e
decided that on turning sixty, thee's no shame in going for the discounts.
 
 
Michael
The Real Bev <bashley101@gmail.com>: Jan 28 01:30PM -0800

On 01/28/2019 12:49 PM, Michael Black wrote:
 
> I figure on my birthday in October I should try for all those birthday
> deals, and then see what senior discounts will kick in that day. I'v e
> decided that on turning sixty, thee's no shame in going for the discounts.
 
When I hit 80 I can ski free!
 
--
Cheers, Bev
"Tough? We drink our urine and eat our dead!"
-- N. Heilweil
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Jan 28 02:02PM -0800

On Monday, January 28, 2019 at 2:52:51 PM UTC-6, Michael Black wrote:
 
> There's also a wide range of the definition of "senior", so one might
> assume that the ones that kick in earlier are the best. Though it has to
> be useful too.
 
So true! For instance, the nearest Amtrak is 500 miles from me. So that knocks
that deal in the head.
 
> My bank has some sort of senior account, that kicks in at 60. I'm not
> sure the exact deal, but it might be useful.
 
I don't know about any senior discount at my bank but I've had free checking for
50 years. If my paycheck was automatically deposited, which it was, then I got
a free checking account. Or if I kept at least $2,000 in a savings account I
qualified for a free checking account.
 
> Via Rail here in Canada has senior discounts when you turn sixty, if you
> want to travel that might be useful.
 
No nearby train travel here so that perk would do me no good. It's a shame as
I wouldn't mind taking a train trip.
 
> The YMCA here seems to have a senior discount at 65, it might be healthier
> to have that kick in earlier. That way you get healthy before you really
> need it.
 
I think the YMCA offers discounts here as well.
 
> SO there were deals at 55, but not so many. They seem to start kicking in
> more at 60, and by 65 I'm thinking most deals have kicked in. Public
> transit here has a senior's discount once you're 65.
 
Here, too, but it might be at age 60. I looked a few months ago but darn if I
can remember what the age was. The discount was rather generous.
> deals, and then see what senior discounts will kick in that day. I've
> decided that on turning sixty, thee's no shame in going for the discounts.
 
> Michael
 
That's right, you've earned them may as well take advantage of them if they are
offering. LOTS of stores offer them to seniors but a lot of them don't think
to ask at the checkout.
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Jan 28 02:03PM -0800

On Monday, January 28, 2019 at 3:30:29 PM UTC-6, The Real Bev wrote:
> Cheers, Bev
> "Tough? We drink our urine and eat our dead!"
> -- N. Heilweil
 
If you are up for it, I say go for it!!! As for myself, I'd have to inquire if
they offer a free cast for whichever bone I break. Hahahahaaaaa!
The Real Bev <bashley101@gmail.com>: Jan 28 02:39PM -0800

On 01/28/2019 02:03 PM, ItsJoan NotJoann wrote:
 
>> When I hit 80 I can ski free!
 
> If you are up for it, I say go for it!!! As for myself, I'd have to inquire if
> they offer a free cast for whichever bone I break. Hahahahaaaaa!
 
MEDICARE! Premiums aren't free, of course, but still...
 
The only bones I've broken in 30 years are ribs when I fell on my
bindings. Nothing you can do about broken ribs except wait for them to
repair themselves.
 
My 93-YO friend skis when he can work it into his schedule. He
incorporated a new company on his 80th (or maybe it was his 90th, it's
not like it was MY company) birthday.
 
--
Cheers, Bev
"I'm sorry I ever invented the Electoral College."
Al Gore 11/08/00
Bob F <bobnospam@gmail.com>: Jan 27 09:14PM -0800

On 1/27/2019 12:27 PM, The Real Bev wrote:
 
>> Ever try "pressure breathing"? It's what climbers do at high altitude.
 
> Google... Interesting.  The downside is not being able to suck in your
> stomach :-(  Worth a try.
 
I find it really helps keep your whole body going when you get out of
breath during any activity. The extra blood oxygen seems to help avoid
"the burn" too.
 
> That's about as low as it gets around here.  Summit is ~8K.  I didn't
> have trouble breathing while skiing at Brian Head (10K-11K) except when
> climbing stairs :-(
 
Stevens Pass, where I go mostly, tops about at about 6000 feet. Base
about 4000.
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