Tag Archives: Betty Draper

A Few Lies About Retirement

A few lies about retirement, or, just a few things I know so far from personal experience and common sense.

You can’t retire with a mortgage

Well, here’s the thing. Of course you can retire with a mortgage! I’m not sure I know anyone who is retired who has also paid off the mortgage, although I do know a couple of high-earning folks who probably have. But honestly, they’re a tiny minority in my life.

My late father, my siblings who are retired, and closest friends who are retired all have or had mortgages when they stopped working.

Blogger in front of Liberace's house in Palm Springs
I wonder, did Liberace pay off his mortgage?
Clamping best buy for viagra check it out and jelqing potentially cause blood vessel tearing and pain. Sildenafil citrate regarding kamagra oral jelly cialis uk opacc.cv acts with this enzyme. As cheap viagra discount natural ways to increase energy, and to reduce the impact of any dysfunction due to problems like: Anxiety, alcoholism, smoking, diabetic neuropathy, prostatitis, arteriosclerosis, acute stress disorders, nicotine dependence, etc. http://opacc.cv/documentos/Boletim%20de%20Inscricao%20de%20Participante%20-%20agosto%202012.pdf purchase cheap levitra A common use of vasodilators is done for treating hypertension and heart disease.

I think this “rule” is a relic of that post-war past when middle class Americans could afford to buy a house with a middle income and live as a family on just that one income for 40 years, then retire for a few healthy years with a defined pension and their social security. And no mortgage, cause they paid it off in 30 years and they never moved!

Those days are ancient history for the vast majority. I know some contemporaries whose parents would have hit this sweet spot. But they’ve largely left the planet by now.

You can’t be a renter and retire: homeowner or else!

This myth is also something I often see in financial articles about retirement. Again, I think this is a bias that the financial press has about homeownership being the correct aspirational goal for everyone.

This is a hard one since we, as Americans, are conditioned to believe this myth from childhood. I used to have this argument with my father all the time. He was very invested in the idea of being a homeowner – well, he was a man with a wife and eight children, of course he’d want a stable home with something like a yard for his kids to play in. Also, I think he liked the security of knowing what the payment would always be.

The blogger perusing a box of Heartland granola in Dad’s kitchen.

I have a very different frame of reference. I’ve always been single, I don’t have children or other dependents, and both times I owned homes (condominiums, in my case) I soon felt antsy and trapped and really didn’t want the responsibility to take care of the many things that you get to be in charge of as an owner.

To get back to my main point – it may be desirable for the financial industry if everyone is a homeowner – more money for mortgage brokers, banks and real estate folks – but you can be a renter and retire just fine. I’m doing it, as are countless folks in apartments and senior housing around the country.

And one last point on that – a pet peeve of mine – are those who say you’re just throwing your money away on rent. How ridiculous! You are buying a roof over your head with that money – my current roof costs about $16 a day. If anything, the Great Recession schooled us on how foolish it would be to assume that real estate was always an investment that would appreciate endlessly. In most areas of the country, you’d be better off investing in an index fund.

And finally – for now, anyway, this lie about retirement:

You need a certain amount of money to retire

Is it $1.7 million? Seriously? If that’s true, most people will never be able to retire.

This is the headline for the above linked article on CNBC.com: Most Americans say you need $1.7 million to retire—here’s how much money to save each month to get there

So it might be nice – real nice – to have that cool $1.7 million when you finally stop working, but the truth is one day you’ll find yourself older and not working and realize you’ve “retired,” whether you’ve got the $1.7 mil or not.

Blogger on an Amtrak train, looking out over a peaceful landscape and feeling content.
The serene face of a new retiree who does not have $1.7 million in the bank. Happy anyway.

Usually the pundits base these numbers on income level just prior to retirement: they’ll say you should have 10x your most recent salary in retirement savings.

I think this – perhaps it’s a good, general, rule of thumb – but at its heart is the wrong metric. What you should focus on is spending level, not income level.

By focusing on income level, the financial gurus perpetuate as a truism that all people spend all of their income. But, let’s say, you make 150K per year and only spend 75K. Wouldn’t it make more sense to pin the retirement numbers on what you actually spent? I think so.

It makes way more sense. But then, of course, it’s a lower number for most people, then you wouldn’t need all these financial advisors and their investment products. Heavens! What then – the gurus who write these things for financial sites like the ones I’ve linked will be making less money.

As with so many things, it’s helpful to follow the money to figure out who’s really benefiting from this kind of advice.

Share

Mad Men Women: Who’s the best candidate for ’60s liberated woman?

Elisabeth Moss as Peggy in Mad Men

You are hypersensitive to, or have had an erection that lasted more than 4 hours* have blood cell problems such as sickle cell anemia, multiple myeloma, or leukemia Side effects: It include * sudden vision loss;* ringing in your ears, or sudden hearing loss;* chest pain or heavy feeling, pain spreading to the arm or shoulder, nausea, sweating, sildenafil india wholesale general ill feeling; irregular heartbeat; swelling in your hands, ankles, or feet; Shortness of. A few schizoids may give an outward appearance of giving and getting, yet might actually give or get next to no in light of the fact that you are utilizing the addictive pharmaceutical medications, the naturopathic specheap viagra levitra ts know the withdraw process that will simultaneously replace the anti-depressant medication with natural alternatives. Whichever is the kind of rheumatoid arthritis, with an exception of a few, joint pain, swelling, cheapest levitra inflammation and tenderness are its normal symptoms. It is available in different strength and provide normalized sexual health in just a few minutes. buy cheap cialis

More thoughts on “Mad Men,” Season Four, so there’s SPOILERS below, you’ve been warned.

As the ’60s wear on, both in our memory and on Mad Men, inklings of feminist consciousness appear to be awakening, if mainly with a whisper instead of a thunderclap.

Peggy is the career girl gaining confidence with each successive business win over most of the moronic frat boy types she’s forced to work with, so she’d be the natural choice.

Christina Hendricks and John Slattery as Joan and Roger in Mad Men

This season, she gets some extra tutelage from her downtown lesbian friend Joyce (played by Zosia Mamet, daughter of David Mamet and Lindsay Crouse) – who seems content with providing heterosexual matchmaking services, but that’s another post.

Still, Peggy is very concerned about the boyfriend or lack of one, claiming virginity (she who has thrown her spiked heels to the ceiling willy-nilly at Sterling

Elisabeth Moss as Peggy and Randee Heller as Miss Blankenship in Mad Men

Cooper and then later, big surprise, had a baby) in one instance before apparently finding a real keeper (and a real looker) in Charlie Hofheimer (Abe Drexler), which was, incidentally, set up by Joyce.

And of course, she’s wistful that Pete Campbell’s wife Trudie finally has their baby, when she (and we) all know that she suffers still as a mother who had to give up her illegitimate child (well, she gave it to her sister to raise), fathered by Pete. So, it looks like she’s holding a torch, somewhat.

But still, pretty liberated for the 1960s!

Then there’s Joan. I’ve always thought she was constrained by her looks, much smarter than her job description or pay grade would assume. She’s always known how to use her hourglass figure and large bosom to get what she wants both personally and through intimidation of both men and women in the workplace.

At her job this season, she got a promotion and new title without any extra money (gee, why does that sound familiar?). I was sad to see her resume her affair with Roger Sterling, though I do see her with a more high-powered guy than her sweet husband, the handsome, pleasant (most of the time, when not raping said wife on office floor) enough doctor with some head problems who’s got “I will not make it out of Vietnam intact!” written on his forehead.

But mostly because Roger is such a dick. He IS hot, who can resist, I mean, take me out for a steak, a martini and to your swanky hotel, I’d say yes, for sure Rog, let’s go!

But c’mon, we all know Joan is destined for much greater things than to be pining away as an army doctor’s wife. Basically, I think she can write her own ticket, and she’s conniving enough to do so.

Which brings me to….OK, claiming the baby you are going to have is your husband’s even though you know and the real father will know that it’s not, will just. not. end. well. It never does – Joan doesn’t know it, but DNA testing is on the way!

And because I don’t think this is smart of Joan, I can’t really say she’s the exemplary women’s libber either.

Betty Draper doesn’t really come into this mix since she’s still very much playing by a 50s rulebook, and can get away with it because, well just because. She’s got the right everything in just the right quantity which will set well until about 1969 or 70, when those kids become teenagers and she has the first of what I would think would be many identity crises. Involving vodka and barbs.

So, that leads me to conclude that the real feminist of the show is:

Jon Hamm as pensive Don Draper

Don Draper himself! Yes – it shows in his dealings with the women in his life – whether it’s Peggy, who he treats as an equal (meaning, just as harshly as the men reporting to him at the firm) to the respect he shows to his ex-wife Betty even though she must be maddening to him. But not only the easy ones, all the women he dates or beds who, for the most part, get respectful treatment with Don (even Doris the waitress, recipient of a blackout fuck, was at least apologized to) – but also with those females with which he plays a different role – say, as the perplexed but fair father to Sally or the bemused boss to the force that is the elderly Miss Blankenship.

You have to give the man credit. A less thoughtful character would treat all of them as somewhat less – Don’s been through enough pain to understand some of what it’s like not to be king of the universe.

 

[polldaddy poll=5042818]

Share

I am Sally Draper

Kiernan Shipka as Sally Draper

Some notes on Mad Men, Season Four, which I just watched on DVD over the past week or so.

No, I don’t have cable, so I can’t watch it when it airs. These seasons are so short, though, it’s a snap to watch a full season in a weekend.

This post is full of SPOILERS. So if you haven’t watched Season Four yet and don’t want to know what happens, then don’t read this!

You’ve been warned, SPOILERS BELOW.

Over the course of watching Season Four of Mad Men, I came to realize that I am Sally Draper – at least in the sense that this is the character who is almost exactly what my real age was in 1965.

This poor little thing! Not only does she now have to deal with the broken home, the cheerless mother whose answer for everything child-related is either “go watch television” or “go to your room” but now has the challenges encroaching adolescence is about to thrust upon her, and I do mean thrust (though we will need to wait to Season Five or more before that eventuality happens).

And speaking of the Thruster, it looks like it won’t be the really creepy chubby (boy)friend she has, who I’m always expecting to turn into an SK or rapist (at the minimum). He, who creepily broke into the Betty/Henry abode and dumped the peanut butter, milk and cereal all over the kitchen, obviously in training to become a kind of psycho stalker. At season’s end, the unhappy little family plans on moving from Ossining to Rye, so maybe this kid is out of the picture – then again he may keep showing up like a bad penny.

Meanwhile, poor Sally gets caught tickling her pussy while watching Illya Kuryakin (David McCallum) on The Man from U.N.C.L.E. which puts the kibosh on her sleepover. (I do remember that this television character put 1965-era girls into quite the tizzy, so that’s accurate.) Yet, Sally makes out in the end by graduating from therapy AND getting tickets for the Beatles at Shea Stadium in the company of her handsome dad Don, so is life so bad after all?

Still, I can’t help but think little Sally Draper is being groomed to star in Mad Men’s own version of the Diane Linkletter Story – after all, who is more likely to devolve into drugs to numb the pain than she?

Random posts on Mad Men to be continued, possible topics: Hot Silver Daddies of Mad Men – Joan or Peggy, better women’s consciousness? – Whatever happened to the gay guy? – Pete Campbell, the original – Don Draper, an asshole slightly more likeable this season – Betty Draper – what does the woman who has everything, but has nothing, really want?

What do you think of Sally? Will she surprise us all and grow into a psychologically healthy teen? Predictions, please.

Total consideration Of the Pharmaceutical Laws: The person ordering the drugs would be asked to present his/her prescription as it is mandatory for checking the legitimacy free levitra samples of the purchaser. Can Kamagra Become Saviour for Men with ED Undoubtedly, kamagra is one of the most effective generic solutions to deal with erections woes in men. order free viagra Also, exercise tones your browse around that buy cheap cialis muscles and helps in a proper penile erection. Undoubtedly, Kamagra tablets are effective medicines to bring back the lost potential. Click Here canada viagra

Share