Category Archives: Uncategorized

Success Discussion – Case Study

  • The following is an impromptu discussion (chat) about success I had with an innocent bystander. As you can see in the reading we only touched the surface of the discussion and there were a few questions raised.  The names have been changed to protect the innocent so don’t go trying to find Mike!

    Success Discussion – Case Study

    Admin

    Hey Mike, how are you today? You are a few years my senior, let me ask you. How do you define success and have you had any in life? You can take your time to answer or if you don’t wish to discuss you can just blow it off, up to you, thanks! ~y

  • Mike

    Hi Yosef I am not blowing you off if you want to discuss I will

    Admin

    Ok

    Mike

    I don’t define success by how much money you have

    Admin

  • Right. I didnt mention $$$.

    Mike

  • I think success is partly a state of mind you have to believe that you are successful to be

    I have had a number of jobs and feel I was successful at most of them

    Having the people in your office respect you for the job you do and the people you work with happy with what you are doing for them

    Admin

  • So you are linking success to a job you do and the comrade participation you are involved with.

    Right?

    Mike

    Partly but there is also success in personal life

    Happy home getting along with all the relatives

    And helping people who need help

    You have to give back what you are given

    Admin

  • more comrade participation, right?

    I actually had to look of the dictionary definition of success for this discussion!

  • Mike

    Yes you can never be an success without others

    Admin

    I believe, according to the definition of success, that the reason many MISPLACE it’s meaning, is because there is no way to actually NOT be successful. And that everyone succeeds at what they aim for, whether they agree with the outcome at the time they receive it or not. On the other hand what I just described above might be total bull!

  • Mike

    This is true it’s sort of like everyone wins and that is total bull

    Admin

  • Well it goes on to say that the reason someone has not received what they view as success is because they didn’t create that goal and work towards it. And that they actually DID create some other goal and work towards it, and that is what they got.

    And I know, in my life, I have not set many goals consciously, but have reached certain places. Which I am not sure is the best way to go about things.

    On the other hand, just setting a goal and going for it might impose a certain amount of rigidity I am unwilling to accept.

    (just saying my side)

  • Mike

    If a person sets a low goal that is not success that is a copout

  • Admin

  • Yeah, there is another speech. It says everyone has the responsibility to be successful, and that means setting goals that are high enough.

  • Mike

    Everybody sets goals even if they don’t realize it it depends on how the mind works to how high the goal is

  • Admin

    Right so the question becomes a degree of how consciously (or perhaps even conscientiously) the goal is created/maintained.

  • Mike

    Very true

  • Admin

    I am thinking I need to test it.

  • Mike

    How would you do that

  • Admin

    Because a lot of my life and work has been about survival. And after one attains that goal things kind of just take their course….which is natural.

    But is most likely where things can break up and time gets wasted. As a new goal was never set.

    So the momentum of reaching survival can only propel one so far…sometimes all the rest of the life, sometimes not.

  • Mike

    But that could be considered being successful survival

    Admin

  • It is definitely successful! I am not questioning that.

    I am questioning only this part:

    “Right so the question becomes a degree of how consciously (or perhaps even conscientiously) the goal is created/maintained.”

  • Mike

    What are you looking for as a true meaning of success maybe there isn’t one

    Success is different to different people

  • Admin

    Well by the definition success means to achieve a certain goal. And we spoke of one achieving what they set out for. So of course it is very specific, and personal. My only question is about the maintenance and development of new targets after one reaches the I’m Surviving stage, which seems to be common among men!

  • Admin

    And whether or not there is actually non-success at all.

  • Mike

    You can never stop once you achieve your goals you must always maintain and move forward

  • Admin

    At what degree of consciousness?

    I mean do you have a chat with yourself every 5 years and do the goal thing, once a year (new years resolutions) or is it a constant evaluating and resetting and is it written down (any better ?) or just something you ponder in a fleeting moment?!

    And are milestones defined!?

    Or is it one stream of action and every once in a while you see you have reached a “milestone” and decide to celebrate that!!

  • Admin

    We’re kind of getting to the end of the discussion, right? If you think about something to add, please let me know.

     

  • Mike

    It isn’t a pondering area with me once I hit the goal I am achieving I look for what comes after that

    Admin

    Ok, nice chat, thanks!

Social Security Benefits – Know your Stats!

Have you been paying taxes all these years from your work? If so do you know your retirement (social security) benefits? It might be interesting for you to know:
You can create an account here and find out quickly: https://secure.ssa.gov/RIL/
And here are your “tips”:
http://www.investopedia.com/articles/professionals/121814/tips-delaying-social-security-benefits.asp
http://www.investopedia.com/articles/financial-advisors/010416/tips-delaying-social-security-benefits.asp


Much has been written in the financial press about the merits of delaying the start of your Social Security benefits. There is much to this, as the difference between commencing your benefits at 62 versus waiting until your full retirement age are significant, as is the difference in waiting until age 70.

Should you delay taking your Social Security benefits? As with most things in the financial planning world the answer is that ‘it depends.’ Here are some factors to consider:
Do You Need the Money Now?

Mathematically waiting until your full retirement age (66 for many of us, 67 if you were born in 1960 or later) to take your Social Security benefits results in a benefit amount that is about 30% higher than if you start taking benefits at age 62. Waiting until age 70 results in a benefit that is about another 32% higher.

This is all well and good, but if you wait to take your benefit will you have enough income from other sources to tide you over from age 62 to age 66?
Are You Still Working?

If you are still working and take Social Security benefits before reaching your full retirement age you could easily exceed the annual earnings limit at which your benefits will be reduced. For 2016, the annual earnings limit is $15,720. If your earnings exceed this limit your benefits will be reduced. The amount will depend upon your age, but the reduction is a steep $1 in benefits for every $2 that your earnings exceed the limit. This may be a good reason to delay taking your benefits until at least your full retirement age. (For more, see: Top 6 Myths About Social Security Benefits.)

The annual earnings limit goes away once you reach your full retirement age, but your benefits may still be subject to taxation. This means that up to 85% of your Social Security benefits could be subject to taxation, so if you are working while collecting benefits and in a high income bracket you may want to delay taking benefits until your earnings are lower or until age 70. (For more, see: Maximizing Your Social Security Benefits.)
Cash Now or a Larger Benefit Later?

There is a significant (and permanent) reduction in your benefit if you commence taking Social Security at age 62. This reduction is reduced roughly proportionately for each year between 62 and your full retirement age. Likewise, waiting until age 70 results in a permanent benefit that is about 32% higher than if you started benefits at your full retirement age. Again, this increase is proportional for every year between full retirement age and age 70.

The retirement planning question is whether the benefit of having the cash flow now outweighs the larger benefit gained by waiting. The answer will depend upon several factors.

– Calculate the break-even point of waiting. There is some point which the cost of waiting to take benefits is offset by the larger permanent benefit. This break-even point is expressed in terms of cumulative benefits. Check out this piece from Schwab for more on break-even points. (For more, see: Delaying Social Security Can Add Up.)

– What is your life expectancy? While this is just an estimate, if longevity doesn’t run in your family – or if you suffer from an illness that might shorten your life – then it might make sense to take your benefits sooner rather than waiting.

– Do you have other retirement resources? If you decide to wait in order to claim a larger benefit in a few years do you have other resources to support yourself in the interim? This might include other retirement accounts such as a 401(k) plan or an IRA. Are you eligible for benefits from a pension plan? Do you have taxable investments or cash that you can tap into?

– How does waiting affect more complex claiming strategies? Far beyond the scope of this piece, there are a number of more complex strategies that can be employed, often by couples, including file and suspend and the use of spousal benefits. Some of these tactics entail least one spouse to waiting to take benefits. Note that the 2015 budget bill has ended – or is about to end – file and suspend, and the ability to file a “restricted application” if you were not already age 62 as of Jan. 1, 2016. To explore these and other strategies contact a financial advisor well-versed in these areas.(For background information, see: Social Security File and Suspend Claiming Strategy Is Ending: Now What? and 4 Unusual Ways to Boost Social Security Benefits.)
The Bottom Line

The decision when to take Social Security benefits is an important one and can be complex. There are a lot of factors to be considered including your other retirement resources, life expectancy and your need for the money. If you’re married, the decision can be even more complex. Take some time and seek help if you need it, as this is one of the most important decisions you will make regarding your retirement. (For more, see: Social Security Changes for 2016 and 5 Social Security Changes to Expect in 2016.)

Read more: Tips on Delaying Social Security Benefits | Investopedia http://www.investopedia.com/articles/financial-advisors/010416/tips-delaying-social-security-benefits.asp#ixzz4KTGzyoO2

Dental Floss Waterpik device and Dental Issues

This post was removed at bogleheads.org due to “gives medical advice”, however, I found it essential (described reason below). This is not meant as medical advice or any other advice just as a recount of my personal experience with dental floss and the Waterpik water flossing device:

Anonymous2 wrote:

Anonymous1 wrote:

I don’t floss too hard but I’ve noticed more recession as I’ve started flossing. Most my friends don’t have this problem and I know they don’t really floss (from what I know of them during sleepovers). I don’t brush too hard, either. It’s a little confusing but what am I going to do, not floss?

It’s very likely that you have a genetic predisposition to gum problems and/or a highly effective inflamation response. Lots of things can cause this including diseases like diabetes.

I work in the dental industry and I recommend Waterpik (disclosure – not a product sold by my employer). In fact, I don’t floss at all anymore but DO waterpik daily. Start out at the lowest level and increase the pressure as your gingiva improve. In practically no time you will be at the highest setting and comfortably/quickly giving yourself a thorough gingival cleaning and massage.

Since I got my Waterpik and and moved up to the highest setting, I have stopped flossing because I always seemed to have swollen gums no matter how softly I probed with the floss. Despite not flossing my pockets decreased by 1 to 2 mm across the board. I went from having a few 5s, lots of 4s and the rest 2s and 3s to having only one 4 and all the rest 3 or lower. Believe me, that’s huge improvement and I attribute it entirely to the Waterpik – I have always been a serious brusher and had been a consciencious flosser up until that point.

If you don’t know what I’m talking about you need to get your hygenist to share the results of his/her gingival probing the next time you’re in for your semiannual visit. You are all going in for semiannual visits, aren’t you? Seriously, dental insurance is in the dark ages compared to medical insurance but all dental plans cover the semiannual visit. As Diehards, one of the best things you can do to prevent significant costs in future dental care is to get in that office twice a year!

No dentist will recommend not flossing and I won’t officially do so either. I just said that I choose not to do so any longer. When you do floss, you must be careful not to extend far down in the pocket where you can possibly damage the area where the tissue attaches to the bone. That’s a real problem because that is where the bacteria find a safe haven and are able to multiply. Concentrate your flossing along the sides of the tooth extending only slightly into the pocket and use the Waterpik to flush out anything deep within the pocket.

For brushing, I prefer the Crest Spinbrush (disclosure – not sold by my employer and not even sold by the makers of Crest toothpaste). Toothbrushes are a personal thing but I’ve been surprised how many people have come back to me to confirm my own personal experience that it seems to clean better than any other manual or mechanical toothbrush. It’s inexpensive at Walmart for those of you willing to shop there. It can’t be much more expensive at a grocery or drug store.

To the OP, I hope your dentist dispensed or prescribed chlorhexidine gluconate (disclosure – my employer DOES sell CHX but there are many brands including generics to choose from). It is vital that you rinse with this medication during the healing phase after the trauma to your gingiva. It will keep bacteria from being able to invade the wound and cause an infection. If you got a prescription, be sure to have it filled!

I’ll get back off my soapbox for now. :D :wink:

I just want to say that due to this post, mainly, I have renewed vision about my teeth and gums! A few years ago (actually 9 yrs already!)
I went for a cleaning session and they ushered me into another room where the head dentist lady sat me down and tried to pressure me into
a series of operations, the cost of which would be around 75% of her new Mercedes Benz sitting in the garage! Involved, of course, in that session were words to the effect that I would not have any teeth 5 or so years from now and so on and so forth until I had to just abruptly get out of there, and then they kept calling me for 3 years afterwards! So I decided to brush as well as I could and floss when I could but it was difficult for me, there was blood, and I was really lazy and the timing was always bad.

Fast forward to about 2 weeks ago and there is this smell in my mouth which brushing doesn’t help. I have floss and little plastic flossers which I was afraid were not doing much mainly due to my lack of skill. And then I got a sub gum kind of blister/boil on the front right side and it started to get larger. When I squeezed it, there was that same smell on my finger so I knew something bad was going on.

I ordered the waterpik and searched and found there is a pre packaged solution which includes chlorhexidine gluconate as the active ingredient so I bought some. I have had the waterpik less than a week, the smell is gone, the blood is gone, the absess is also gone. I am going to keep using it, 6 times a week, one rest day, and using the c-20 (name of the mouthwash that has chlorhexidine gluconate in it) afterwards in the evenings after my last food intake.

I just wanted to give back to this thread and bump it for posterity, I hope whoever is looking finds this informative to their situation!