For many people, retirement becomes a turning point that radically changes the rest of their lives. It would seem that nothing has changed, but at the same time everything has changed. It's hard to accept.
I came across the story of a pensioner who was invited by an old friend to meet for a cup of coffee and talk about life. And she justified the proposal for a meeting simply: “you still have nothing to do, there are no grandchildren, there is no job, you are sitting on pension, and you don’t know what to do with your time now.”
For one person, these are just words, in particular, for the one who speaks. But the pensioner about whom this is being said is really offended. Why is everyone so sure that life ends when you retire? The question is rhetorical, because everything is learned by comparison, or rather you will understand when you yourself find yourself retired.
Is there really “nothing to do” in retirement?
The pensioner in our story, let’s call her M., felt offended by her friend’s words. She is indignant: “yes, I’m retired, but I have an adult son, many friends, and different hobbies that don’t let me get bored.”
“And the concept of “nothing to do” is not familiar to me at home. When I was in the hospital, there really was nothing to do. But as soon as my health improved, my activity and desire to live and move forward returned.”
Agree, the phrase “nothing to do” is quite strange. It cannot be correlated with people who take an active life position. And it doesn’t matter whether you’re retired or working. Life in retirement does not end, on the contrary, it is just beginning!
Of course, the dominant role is given to well-being and health. If something hurts, then there is no time for different things. The main thing is to get better faster.
Retirement is another stage in life that does not erase the past. You can help relatives around the house, do Nordic walking, grow house plants, etc.
But today we’ll talk about something else – self-development. A person’s age does not appear to be an obstacle to learning something new and previously unknown.
Self-development in retirement
Pensioner M. has an acquaintance, an active lady, whose day is literally planned down to the minute. And M. asked what she was doing? And she received the answer that the woman had discovered the “University of the Third Age.”
The University of the Third Age is a non-profit organization that, through specialized programs, trains pensioners in various areas, for example, you can learn how to use a computer, learn English, French, etc.
In addition to training programs, the university often hosts lectures on legal, historical topics, prevention of cardiovascular pathologies, etc. But the most important thing is that all this is gratuitous, that is, free of charge. The main thing is time and desire to attend classes.
It's not too late to learn something new in retirement. Especially if for a number of reasons this was previously unavailable or impossible.
The arrival of retirement age and access to pension benefits is not a reason to bury yourself, indulge in idleness and suffer from “nothing to do.” You should not give up, but should strive to use your time to the fullest. There is still a lot you can do!
Pensioner M. nevertheless met with that friend who had offended her with careless or thoughtless words, and had a great time. Because communicating with people with whom you have many common memories is also a useful pastime.
Life in retirement - video selection
The number of people who reached retirement age in our country in 2018 exceeded 43 million people. The size of social security in Russia is such that the elderly have to use various tricks to survive. But with rational budget planning, you can live with dignity even on retirement.
The average pension in all of Russia is 8,500 rubles. It turns out that most older people live on such meager means. The amount of the accrued benefit depends on the following factors:
- profession;
- income level at last job;
- length of work experience;
- length of service;
- place of residence.
In addition, a similar social payment is provided for orphans left without a breadwinner, Chernobyl veterans, disabled people who have been assigned a pension due to schizophrenia or other diseases.
Of course, there are those who are luckier; for example, in Moscow the benefit reaches 14,500 rubles. This is due to the fact that in the capital the level of wages is higher than the national average, and there is also a wide range of additional benefits that a pensioner can receive. In other regions the situation is as follows:
Regardless of place of residence, the following receive an increased pension:
- former public sector employees;
- military personnel;
- combat veterans;
- citizens who worked in the Far North;
- workers engaged in production with harmful and difficult working conditions.
Activities carried out by the state to support pensioners
Taking into account the miserable existence of Russian pensioners, President Vladimir Vladimirovich Putin signed a law that, from January 1, 2016, provides for a reduction in utility costs for older people by exempting them from paying contributions for major repairs.
Also, after reaching retirement age, you can take advantage of the right to the following benefits, which are provided on the basis of current legislation:
- exemption from property tax (house, apartment, dacha);
- preferential transport taxation;
- free gas connection at home without waiting in line;
- compensation for costs of housing and communal services (if more than 22% of income is spent on their payment);
- services in nursing homes for the elderly without charging a fee;
- free treatment in boarding houses;
- discounted travel on public transport.
At the regional level, their own methods of support are provided:
- in the presence of special conditions, social protection authorities distribute the funds at their disposal for financial assistance to pensioners (possession of the title “Veteran of Labor”; persons with the status “Children of War”);
- free medical care out of turn;
- preferential purchase of prescription drugs.
The recently discussed bill developed by the Government of the Russian Federation on raising the retirement age represents a new social experiment.
The law provides for an increase in the retirement age for women from 55 to 63 years, for men from 60 to 65. It turns out that if the bill is approved, they will have to work 8 and 5 years more, respectively. In the context of constant reform of the Russian pension system, practical advice from people who have already retired will benefit future retirees.
Rethinking costs
Galina Semyonovna lives in the city of Kuznetsk. She retired in 2017. At first, the assigned old-age benefit of 8,000 rubles was enough, since there were still savings made during work. But after six months, the savings began to come to an end, the woman began to borrow money from friends and relatives. As a result, due to a constant lack of finances and a reluctance to change her usual lifestyle, the pensioner had to take out a bank loan in order to repay the borrowed funds.
By this time, Galina Semyonovna realized that she needed to rethink her monthly expenses and learn how to properly distribute her pension. The pensioner could no longer go to work again; her health was undermined by heavy physical labor. We also had to take into account acquired chronic diseases that affected overall well-being.
To create her new budget, the woman wrote down all her expenses:
Living in a private house helps Galina Semyonovna spend less on utility bills. Instead of chain stores, a woman purchases products at the market or wholesale stores. Having your own small farm also allows you to reduce food costs.
The list of products that Galina Semyonovna buys for the month:
Pensioners receive most of the necessary medications free of charge with a prescription. The woman saves the remaining thousand rubles for unexpected expenses.
- Take advantage of the benefits provided by the state.
- Optimize food costs.
- Cut unnecessary costs.
- Make preparations for the winter period if you have a summer house, vegetable garden or garden.
- Work if your health allows.
We all also want to live this wonderful period of life. Isn't that right? But if you think about it, it’s actually wonderful, unless, of course, you consider this period of living in our country. At this stage, it is literally not life, but survival. There is one pensioner in my family - my mother.
I can say, judging solely by the example of my family, life in retirement cannot be decent for the average Russian, unless, of course, first, his children help him, and second, he works until he loses his strength.
I earn a decent living and can help my family + my mother works, but for us this is more likely due to the desire to do this than to need. Despite the fact that my mother’s pension is considered “decent” by the standards of today, I honestly don’t know. How can 12 thousand rubles/month be considered a decent pension?
I can definitely say that it is impossible to live on this money per month, much less travel abroad, ride on yachts, drink champagne with strawberries, attend major sporting events, hunt wild animals in Africa, in general, explore the world and be as happy as possible .
So our pensioners, basically, have to learn about summer cottages, new types of seedlings that produce harvests three times a season, new recipes for pickles, learn about mobile phones with newborns, very advanced grandchildren, whom children “sell off” to their parents while they work to pay off mortgages and car loans, etc.
And in America, when people retire, they “get rid” of their children and send them to college, preferably 300-400 km from their parents’ home. and book tickets wherever their heart desires. But let's be objective and immediately determine that all this does not fall on all of them, like Manna from Heaven, just because they are Americans or Europeans! No!
Before they could spend their lives in retirement with dignity, they had to work a lot, and from the first day of their working life, which often begins at the age of 16, they already begin to think about their pension and contributions to it, not only do they have people goodwill will not go to work unofficially or with a salary of 0.03 times the rate and a bonus of “million”.
They approach these issues very responsibly, and their employers are rarely classified as “tax cheats.” At the same time, they also independently participate in many pension programs, mandatory and voluntary savings systems, monitor their contributions, timely calculation of interest rates and the amount of these interests, and are very demanding in choosing a management company for their savings, of course, if they are not handled by corporate non-state pension funds, mainly represented by such management companies.
In our country, due to the remnants of Soviet times, people are accustomed to the fact that the employer or, better yet, the state will “think” and “make” decisions for them. Maybe it will, guys, but you need to clearly understand that it’s unlikely to be in your favor, because we live in market times, and the law of the jungle applies in them - every man for himself! And therefore, if you want to spend your time in retirement the same way as Europeans and Americans, learn to be responsible in financial matters, including such as pensions!
But I am sure that you, my readers, belong to the category of responsible citizens, because you read my blog, and this means that you are far from indifferent to your choice and pension.
So, I have already moved a lot away from the topic of the article that I wanted to write for you and delved into rhetorical questions, well, let these be my first thoughts in this section. Now, in the next article, I will share with you my travel experience, a description of my perception and personal experience in the countries that I visit (and this happens quite often, I really love traveling).
Also, here we will consider types of active pastime; using my example, of course, many of them may not be to your liking, but I am also sure that many will find an ally in me.
Also, regarding the countries I visit, I will share with you little secrets that will be useful to all travelers! So, my dear readers, let’s earn a decent pension, gain experience and move forward, along with the Americans, to swagger!
Subscribe to updates and you will learn a lot of new and interesting things. In the next article in this section, I will tell you about my exciting trip in the summer of 2015 to the beautiful mountainous Balkan country of Montenegro!
I’ll say right away: I have already visited many countries and cities, but I will only talk here about those in which I am currently in the present time or from which I have just arrived in my native land, this is already possible! As they say, “hot on the heels” After all, facts, emotions and visual images are different from memories stretched out over time! That's why it's like that.
Your pension advisor. And not only
Decent life in retirement website
Book: Business for rusty dummies. Decent life in retirement
You are on a well-deserved vacation... concentrated on saving money for gifts for your grandchildren, looking for ways to diversify your life and doing your best to earn an extra penny for your meager pension. And the dynamic youth world of the Internet continues to revolve around you, which seems distant and incomprehensible. But Lyubov Levina is sure that you can earn money in retirement not only by knitting socks - there are many other equally successful, and most importantly - modern methods of work (and not as scary as it seems at first glance)!
Try, under the strict guidance of Lyubov Levina, to create your own small business on the Internet - and find out what you are capable of!
Try it - and you will definitely succeed!
HOW TO MAKE A DECENT LIFE FOR PENSIONERS? THERE ARE RECIPES!
The average pension in Russia is 13.3 thousand rubles. How many pensioners receive more than the average pension? Given that our minimum pension is no less than the consumer basket, they should be the majority. If only because they all worked in the USSR, where parasitism was punished and conscientious work was encouraged. With their work they deserved a decent pension. One annoying thing is that there are no statistics on how many pensioners in our country receive more than the average pension. There are also no statistics on how many officials have accrued personal pensions to themselves.
Therefore, let’s turn to social polls. networks from which we learn amazing things. Sadly, we have the overwhelming majority of pensioners who receive less than the average pension. And you can only survive on such a pension. Pensioners cannot save up for a trip to a sanatorium; they don’t even have enough money to update their wardrobe. And there is nothing to say about the poverty of their food.
And it turns out that today’s retirees, who created the most powerful economy in the world, live in poverty. What kind of society do we have where a civil servant receives as much per second as a pensioner gets paid for a month? Why can the Baltic countries, with their declining economies, adequately support their pensioners? And we, who are proud of our commitment to justice, who consider ourselves highly spiritual people, keep our old people in poverty. In addition to rich natural resources, our economy is not the latest. Where is the answer to all these whys?
To find out, let's look at the formula for calculating pensions. The authorities explain: this formula is cumbersome, because now several rules for calculating pensions are working simultaneously. These rules are enshrined in laws and evaluate previously acquired pension rights taking into account “pre-reform” length of service and earnings. And the dream of a “simple and understandable” pension formula, they say, can be realized in practice only in the form of complete equalization.
In words everything seems great, but in reality all pensioners have been made equal. They left the leveling system - and came to the same thing. This formula was tailored to a modest task: a pensioner must somehow make ends meet and not die of hunger. Because the state does not have money for more. And now the state, represented by Prime Minister Medvedev, wants to ensure that the number of pensioners no longer grows - and is talking about increasing the retirement age.
All this means one thing: you and I cannot provide for our elderly. I am ashamed, even if it is not my fault personally. But is it really a matter of who is to blame? While we criticize the government for the failed pension reform, can’t we offer better options?
So I want to offer mine.
First, we must understand what a pension is. Pension is a person’s well-deserved rest in old age. The word rest is key here. And those who continue to work after 60 are not pensioners. In my opinion, there simply cannot be such a thing as a working pensioner. A pension is not a bonus for long service.
Secondly, what is the difference between a pensioner who was previously a general and a retired combine operator? Nothing. You might say that the general worked harder and had greater responsibility. Did the combine operator spend his whole life chilling out, working from dawn to dusk? When they were generals or combine operators, they received appropriate salaries and appropriate benefits from the state. And after retirement, they became equal, and therefore the state and the people should take equal care of them.
Thirdly, young people must feed their elderly, so that their children and grandchildren can feed them in old age. This is good and fair.
— A pension is assigned only to those who retire. If you work, you are not a pensioner.
— There is no need to change the retirement date.
— Everyone’s pension should be the same and decent. At the moment - approximately 25 thousand rubles.
You may ask where to get finance for such projects. And there will be no need to increase finances. You just need to distribute them competently and without theft. Those who do not know how to do this are taught, those who do not want to do this are removed.
Look in your cities and towns to see who occupies the best administrative buildings. Not banks, not the administration, but the Russian Pension Fund (PFR). And in terms of the number of pension fund employees, we are ahead of the rest of the planet. The number of Pension Fund workers in Russia is about 122 thousand. In the USA there are only 60 thousand. In Japan, which is comparable in population size to us - 27 thousand. We must learn to live within our means and reduce the number of Pension Fund workers by five times. The savings will be huge.
It has already been said that all pensioners should receive the same pension. So the secret resolution on the special purpose of pensions for officials is to be annulled. And since these officials do not want to vacate their positions until their death, they will never see a pension. This is also a considerable saving and Medvedev will be pleased with this reduction in pensioners.
Here is another source of finance. It is officially recognized that 40% of our economy is in the shadows. This means that both the budget and the Pension Fund receive no less than 40%.
All employers in 2018 are required to pay pension contributions: 22% of employee payments. However, for those who receive more than a million, payments are only 10%. And there are about 10,000 such lucky people in Russia. Their average salary is 2,200,000 rubles. Why they get this benefit is unclear. They won't get drunk, apparently. Every month they rob pensioners of two and a half billion. It's time to restore justice.
There are almost 10 million pensioners working in the country. If there are no working pensioners, that’s another saving. You will say that we are trying to solve problems at the expense of the elderly. No way. On the contrary, we will simply fulfill the cherished dream of many pensioners. Most of them work out of necessity; their current pension is not enough for anything. So they have to work through force, overcoming pain, forgetting their illnesses. And how glad they will be to finally rest, having received a normal pension.
Where are the savings then? I'll tell you a little secret. Not everyone gets sick when they reach the age of 60. On the contrary, many are full of energy. They have no desire to go mushroom hunting and sit with a fishing rod. Only sometimes, on weekends. Work for them is their whole life, the whole meaning of their existence. There will be at least a third of these. They want to work and be useful, even after losing the bonus in the form of the current meager pension.
We can only be happy for them and wish them many more years of fruitful work and not feel like old people.
Based on materials from Vladimir Akimov
Decent life in retirement
Typically, retirement is a milestone, a time for summing up: what has been achieved and what remains in dreams. Everyone evaluates their strengths in their own way. And if a person does not want to face old age, but is full of vital energy and strength, he strives to learn new things.
This is precisely the chance that the Employment Service provides to unemployed citizens who, in accordance with the legislation of the Russian Federation, have been assigned an old-age insurance pension and who are seeking to resume their working activities. A citizen who receives an old-age pension and has intentions of returning to work can undergo vocational training and receive additional vocational education in the direction of the employment service.
In 2016, the State Public Institution “Nizhny Tagil Central Plant” organized training for 8 people from among pensioners seeking to resume their working activities. As before, the course “Personal Computer User” is of greatest interest to this category of citizens. Having mastered the basics of computer literacy, pensioners are once again in demand in modern life. Their chance of finding a job increases significantly. With the help of communication on the Internet, many people stop feeling lonely and find new ways to communicate with their children and grandchildren who are far away from them.
Training in the profession of “Private security guard” is also a popular service. In the first half of the year, 5 people completed their training, three of whom began working.
If you receive an old-age pension and want to return to work, contact the employment center in the vocational training department at the address: Nizhny Tagil, st. Gazetnaya, 45A, office 201
Lyubov Levina - Business for rusty dummies. Decent life in retirement
Lyubov Levina - Business for rusty dummies. A decent life in retirement summary
You are on a well-deserved vacation... concentrated on saving money for gifts for your grandchildren, looking for ways to diversify your life and doing your best to earn an extra penny for your meager pension. And the dynamic youth world of the Internet continues to revolve around you, which seems distant and incomprehensible. But Lyubov Levina is sure that you can earn money in retirement not only by knitting socks - there are many other equally successful, and most importantly - modern methods of work (and not as scary as it seems at first glance)!
Try, under the strict guidance of Lyubov Levina, to create your own small business on the Internet - and find out what you are capable of!
Try it - and you will definitely succeed!
Business for rusty kettles. A decent life in retirement read online for free
Business for rusty dummies: a decent life in retirement
In gratitude to Mikhail Dashkiev, Pyotr Osipov and the first graduates of Business Youth.
At the very beginning I would like to express my gratitude to:
My husband Gennady Borisovich for his patience, forbearance, material and technical support. For courageously enduring the volcano of my unconventional ideas for many years. I don’t know if anyone else has a husband as kind, attentive and supportive of an eccentric woman in everything as I am. I owe everything that I have achieved in our lives to him.
Evgenia Valentinovna Larina, the head of the Vremena editorial office, and Tatyana Mikhailovna Minedzhyan, the chief editor, for believing in me, moral support, and for encouraging me to further work in this direction. It was they who found in the sea of newspaper information a note about my “Computer Primer for Rusty Dummies.” Invited to cooperate. And with their light hand I am writing the fifth book.
Pavlov Vadim Vyacheslavovich, Deputy Minister of Economic Development of the Ulyanovsk Region. It was he who invited the unknown founders of Business Youth to Ulyanovsk in 2011. It was on his advice that I created an autonomous non-profit association for the adaptation of older people in modern society, DELOSTARRU “Club of Business Old Women”.
Elena Mikhailovna Shporkina, Nadezhda Deryabina, Tatyana Nikolaevna Akimova for their interesting work in the Public Chamber and the Volga Region NGO Alliance “Silver Age”.
Tatyana Nikolaevna Perfilyeva and Lyudmila Georgievna Rafalskaya, with whom we founded the “Club of Business Old Women”.
Natalya Sergeevna Guden - director and Olga Anatolyevna Shagurova - head teacher of the Children's Art School named after. Balakirev for all possible support in organizing the educational process of the general aesthetic department for adults.
Tatyana Viktorovna Shishkova is the only one of the five editions of the “Club of Business Old Women” who has made her business on the Internet.
Nina Mikhailovna Davydova for wisdom and support in difficult times, for advice on the text of the book.
Ivan Kuyanov and Nikolai Dolinov, “fellow students” from the first edition of “Business Youth” - for their support during their studies, professional help and business advice.
My daughters Svetlana and Lyudmila, eldest granddaughters Tatyana and Polina for routine technical assistance.
Alexey Danilov and Sergey Gorshkov for quick computer assistance. It is they who, at my first request, immediately fix it, repair the computer, restore lost files, clean full disks, and systematically eliminate gaps in knowledge.
Alexander Nikolaevich Gunidin, my former student, for saving me from many rash steps, for teaching me how to count money, for calling a spade a spade,
Mikhail Dashkiev and Peter Osipov for accepting me into their club. It is thanks to them that my worldview on some things has turned so upside down that for the fifth year now I have been living a full-fledged creative life, and not vegetating on a bench at the entrance. I have, albeit tiny from their point of view, additional income. I have many friends all over the country. And even though I have not reached the level of earnings that the participants of “Business Youth” have, I have much more than just money.
The dentist turned off his machine and allowed him to close his mouth. The filling placed in a paid clinic turned out wonderful. Only I couldn’t close my mouth when I heard how much it cost. No, I had enough money for it, just half my pension.
We've arrived. Now you will have to limit yourself to the already established level of comfort and well-being. The financial airbag from the budget salary turned out to be as thick as a handkerchief. But you also want to go to a good hairdresser, a massage therapist, to a sanatorium, to the sea with your grandchildren, and, in the end, a decent fur coat. What to do?
This is the preface to the book that I came up with four years ago, when I was taking the Business Youth (BM) course. And I’m only finishing it now, because it looks like the crisis that they tirelessly scare us with has once again sailed to our shores.
This book continues the series “for rusty dummies.” She was preceded by:
1. “A computer primer for rusty dummies.”
2. “The Internet is for rusty dummies.”
3. “A pill for sclerosis. Brain training for rusty kettles."
4. “The brain is the cure for all diseases.”
I am writing it for those who were unable to make big money in the nineties. For those whose lives passed under the bright banner on the path to communism. These are not pompous words or mockery, this is the truth of life half a century ago. To you, my compatriots by time of residence, I am writing this book to somehow help you to swim in modern society.
At the beginning of the millennium we were forty years old or so. Those who were smarter, or with the appropriate education, or connections, or information, or simply entrepreneurial talent, organized their own business. I have no doubt that the majority did this within the framework of the laws of that time and their material super-well-being was achieved through very hard work. I know such people. Believe me, for many at that time it was a huge risk; it required knowledge, courage and efficiency.
Well, honestly, admit that not every one of us was able to overcome ourselves and stand with a bucket of potatoes at the nearest store to sell them.
I managed to do this once, I sold one and a half buckets for half the price. My ears were burning, my heart was pounding, my hands were shaking, and in general I was ready to fall through the ground. The concept that trading was a shame was so firmly ingrained in me, it was ugh!
Of course, if it is a matter of life and death, if the children are hungry, any mother will sell anything.
Who are you, my peers?
These are pieces of chapters from my previous books
Despite your age, you are an energetic, resilient person who wants to learn not for the sake of the process itself, but for the benefit of yourself. He has lived an interesting, eventful life, accomplished both as a person, and as a specialist, and as a parent, and as a person who already has grandchildren.
And at the same time, he managed to take a lot from the vicissitudes of fate. These are mainly women who do not want to put up with age. They look at the essence of things adequately.
You and I are the custodians of the experience of the last millennium. We are the first generation in modern history to live in two eras and states without leaving our place of registration. We, who survived the nineties not only ourselves, but also managed to raise children, support our husbands, and feed our family while men were recovering from a social blow. This was already the case at the beginning of the century before last. That's what we got.
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In gratitude to Mikhail Dashkiev, Pyotr Osipov and the first graduates of Business Youth.
At the very beginning I would like to express my gratitude to:
My husband Gennady Borisovich for his patience, forbearance, material and technical support. For courageously enduring the volcano of my unconventional ideas for many years. I don’t know if anyone else has a husband as kind, attentive and supportive of an eccentric woman in everything as I am. I owe everything that I have achieved in our lives to him.
Evgenia Valentinovna Larina, the head of the Vremena editorial office, and Tatyana Mikhailovna Minedzhyan, the chief editor, for believing in me, moral support, and for encouraging me to further work in this direction. It was they who found in the sea of newspaper information a note about my “Computer Primer for Rusty Dummies.” Invited to cooperate. And with their light hand I am writing the fifth book.
Pavlov Vadim Vyacheslavovich, Deputy Minister of Economic Development of the Ulyanovsk Region. It was he who invited the unknown founders of Business Youth to Ulyanovsk in 2011. It was on his advice that I created an autonomous non-profit association for the adaptation of older people in modern society, DELOSTARRU “Club of Business Old Women”.
Elena Mikhailovna Shporkina, Nadezhda Deryabina, Tatyana Nikolaevna Akimova for their interesting work in the Public Chamber and the Volga Region NGO Alliance “Silver Age”.
Tatyana Nikolaevna Perfilyeva and Lyudmila Georgievna Rafalskaya, with whom we founded the “Club of Business Old Women”.
Natalya Sergeevna Guden - director and Olga Anatolyevna Shagurova - head teacher of the Children's Art School named after. Balakirev for all possible support in organizing the educational process of the general aesthetic department for adults.
Tatyana Viktorovna Shishkova is the only one of the five editions of the “Club of Business Old Women” who has made her business on the Internet.
Nina Mikhailovna Davydova for wisdom and support in difficult times, for advice on the text of the book.
Ivan Kuyanov and Nikolai Dolinov, “fellow students” from the first edition of “Business Youth” - for their support during their studies, professional help and business advice.
My daughters Svetlana and Lyudmila, eldest granddaughters Tatyana and Polina for routine technical assistance.
Alexey Danilov and Sergey Gorshkov for quick computer assistance. It is they who, at my first request, immediately fix it, repair the computer, restore lost files, clean full disks, and systematically eliminate gaps in knowledge.
Alexander Nikolaevich Gunidin, my former student, for saving me from many rash steps, for teaching me how to count money, for calling a spade a spade,
Mikhail Dashkiev and Peter Osipov for accepting me into their club. It is thanks to them that my worldview on some things has turned so upside down that for the fifth year now I have been living a full-fledged creative life, and not vegetating on a bench at the entrance. I have, albeit tiny from their point of view, additional income. I have many friends all over the country. And even though I have not reached the level of earnings that the participants of “Business Youth” have, I have much more than just money.
Preface
The dentist turned off his machine and allowed him to close his mouth. The filling placed in a paid clinic turned out wonderful. Only I couldn’t close my mouth when I heard how much it cost. No, I had enough money for it, just half my pension.
We've arrived. Now you will have to limit yourself to the already established level of comfort and well-being. The financial airbag from the budget salary turned out to be as thick as a handkerchief. But you also want to go to a good hairdresser, a massage therapist, to a sanatorium, to the sea with your grandchildren, and, in the end, a decent fur coat. What to do?
This is the preface to the book that I came up with four years ago, when I was taking the Business Youth (BM) course. And I’m only finishing it now, because it looks like the crisis that they tirelessly scare us with has once again sailed to our shores.
This book continues the series “for rusty dummies.” She was preceded by:
1. “A computer primer for rusty dummies.”
2. “The Internet is for rusty dummies.”
3. “A pill for sclerosis. Brain training for rusty kettles."
4. “The brain is the cure for all diseases.”
I am writing it for those who were unable to make big money in the nineties. For those whose lives passed under the bright banner on the path to communism. These are not pompous words or mockery, this is the truth of life half a century ago. To you, my compatriots by time of residence, I am writing this book to somehow help you to swim in modern society.
At the beginning of the millennium we were forty years old or so. Those who were smarter, or with the appropriate education, or connections, or information, or simply entrepreneurial talent, organized their own business. I have no doubt that the majority did this within the framework of the laws of that time and their material super-well-being was achieved through very hard work. I know such people. Believe me, for many at that time it was a huge risk; it required knowledge, courage and efficiency.
Well, honestly, admit that not every one of us was able to overcome ourselves and stand with a bucket of potatoes at the nearest store to sell them.
I managed to do this once, I sold one and a half buckets for half the price. My ears were burning, my heart was pounding, my hands were shaking, and in general I was ready to fall through the ground. The concept that trading was a shame was so firmly ingrained in me, it was ugh!
Of course, if it is a matter of life and death, if the children are hungry, any mother will sell anything.
Who are you, my peers?
These are pieces of chapters from my previous books
Despite your age, you are an energetic, resilient person who wants to learn not for the sake of the process itself, but for the benefit of yourself. He has lived an interesting, eventful life, accomplished both as a person, and as a specialist, and as a parent, and as a person who already has grandchildren.
And at the same time, he managed to take a lot from the vicissitudes of fate. These are mainly women who do not want to put up with age. They look at the essence of things adequately.
You and I are the custodians of the experience of the last millennium. We are the first generation in modern history to live in two eras and states without leaving our place of registration. We, who survived the nineties not only ourselves, but also managed to raise children, support our husbands, and feed our family while men were recovering from a social blow. This was already the case at the beginning of the century before last. That's what we got.
Not everyone was able to create their own business and earn a lot of money. But everything somehow settled down. The children are adults, the grandchildren are grown. It's time to take care of yourself. And in order not to sit on the necks of children and grandchildren, you need to find an opportunity to earn a little money to supplement your pension. Because we are used to relying only on ourselves and not expecting mercy from anyone.
Perhaps for the first time in the history of mankind there is such a gigantic gap between fathers and children due to technological progress. Literally life in different millennia. Yes, the previous generation is covered by the wave of the next one. This is the law of nature. We are still here. And our task is to live with dignity in the third age for our own benefit, without straining our loved ones.
With you, the retired quietest librarian, the kindest nurse, the timid primary school teacher, the most gentle solfeggio teacher, the non-conflict developer, the quiet white-collar office worker, the reserved mathematician, the affectionate kindergarten teacher, I share my experience and my hard-earned experiences in an attempt to somehow improve your well-being.
If you want to move from cold Moscow to a warm place after retirement, then start looking for options in advance. Retirement is a great opportunity to start life in a new place, learn about a different culture and not have to think about going to work tomorrow.
When choosing a place, American lifehack.org recommends focusing on the level of medical care, low cost of living and cleanliness of the environment. Based on these parameters, a list of five countries was compiled that are most comfortable to live in after retirement.
Want to head south? Sunny Belize is one of the most hospitable countries for retirees in the world.
Belize offers a special retirement program that allows foreigners to obtain local citizenship provided they spend $2,000 per month. Among its advantages: exemption from local taxes and import duties.
In Belize you can see unique nature, for example, the local Barrier Reef or the Mayan pyramids. English and Spanish are spoken here.
There are some disadvantages. Among them: weak infrastructure and the need for vaccinations against typhoid fever and hepatitis A.
Fly off on reconnaissance
Canada is similar to the United States of America in its architecture, culture and way of life. But Canada has better urban infrastructure and high quality healthcare. There are many opportunities for comfortable tourism in cities and beyond.
The biggest problem in Canada is getting a visa. This country does not offer visas for retirees, and long-stay visas are only issued to those who work. However, if you are well educated and have a lot of money in your accounts, you will receive a visa without any significant problems.
3. Ireland
Ireland is in Europe, but it is not as expensive as the UK or Sweden. At the same time, its favorable location allows you to reach any European capital in just a few hours.
If you happen to have a grandparent who emigrated from this country, then you can get an Irish passport. Otherwise, you must apply for a temporary residence permit within three months. It is then extended for an extended period. As elsewhere, before issuing a permit, you will be asked for information about the status of your bank account.
This is an exotic country with a great history, natural beauty, warm seas and delicious fruits. To fully immerse yourself in the culture, you will need to learn the Thai language, but it will be difficult. The saving grace is that in most large cities they speak English, and in some places even Russian. Prices for everything are low here, so a person from Europe can deny himself almost nothing here.
5. Costa Rica
This Caribbean island has been repeatedly named by experts as the best place to retire, and for good reason. Like Belize, Costa Rica has a program for retirees. Just a few documents and you will be given a residence permit with the right of permanent residence.
It boasts a rich natural heritage that no other country in the world can boast of. 2/3 of the country's area is covered with forests, in which exotic plants grow and unique representatives of the fauna live (500 thousand species). This is a fantastic place!
Costa Rica has one of the highest standards of living in the Caribbean. Prices here are slightly higher than on neighboring islands, but still less than in Western countries.
Decent life in retirement
We all also want to live this wonderful period of life. Isn't that right? But if you think about it, it’s actually wonderful, unless, of course, you consider this period of living in our country. At this stage, it is literally not life, but survival. There is one pensioner in my family - my mother.
I can say, judging solely by the example of my family, life in retirement cannot be decent for the average Russian, unless, of course, first, his children help him, and second, he works until he loses his strength.
I earn a decent living and can help my family + my mother works, but for us this is more likely due to the desire to do this than to need. Despite the fact that my mother’s pension is considered “decent” by the standards of today, I honestly don’t know. How can 12 thousand rubles/month be considered a decent pension?
I can definitely say that it is impossible to live on this money per month, much less travel abroad, ride on yachts, drink champagne with strawberries, attend major sporting events, hunt wild animals in Africa, in general, explore the world and be as happy as possible .
So our pensioners, basically, have to learn about summer cottages, new types of seedlings that produce harvests three times a season, new recipes for pickles, learn about mobile phones with newborns, very advanced grandchildren, whom children “sell off” to their parents while they work to pay off mortgages and car loans, etc.
And in America, when people retire, they “get rid” of their children and send them to college, preferably 300-400 km from their parents’ home. and book tickets wherever their heart desires. But let's be objective and immediately determine that all this does not fall on all of them, like Manna from Heaven, just because they are Americans or Europeans! No!
Before they could spend their lives in retirement with dignity, they had to work a lot, and from the first day of their working life, which often begins at the age of 16, they already begin to think about their pension and contributions to it, not only do they have people goodwill will not go to work unofficially or with a salary of 0.03 times the rate and a bonus of “million”.
They approach these issues very responsibly, and their employers are rarely classified as “tax cheats.” At the same time, they also independently participate in many pension programs, mandatory and voluntary savings systems, monitor their contributions, timely calculation of interest rates and the amount of these interests, and are very demanding in choosing a management company for their savings, of course, if they are not handled by corporate non-state pension funds, mainly represented by such management companies.
In our country, due to the remnants of Soviet times, people are accustomed to the fact that the employer or, better yet, the state will “think” and “make” decisions for them. Maybe it will, guys, but you need to clearly understand that it’s unlikely to be in your favor, because we live in market times, and the law of the jungle applies in them - every man for himself! And therefore, if you want to spend your time in retirement the same way as Europeans and Americans, learn to be responsible in financial matters, including such as pensions!
But I am sure that you, my readers, belong to the category of responsible citizens, because you read my blog, and this means that you are far from indifferent to your choice and pension.
So, I have already moved a lot away from the topic of the article that I wanted to write for you and delved into rhetorical questions, well, let these be my first thoughts in this section. Now, in the next article, I will share with you my travel experience, a description of my perception and personal experience in the countries that I visit (and this happens quite often, I really love traveling).
Also, here we will consider types of active pastime; using my example, of course, many of them may not be to your liking, but I am also sure that many will find an ally in me.
Also, regarding the countries I visit, I will share with you little secrets that will be useful to all travelers! So, my dear readers, let’s earn a decent pension, gain experience and move forward, along with the Americans, to swagger!
Subscribe to updates and you will learn a lot of new and interesting things. In the next article in this section, I will tell you about my exciting trip in the summer of 2015 to the beautiful mountainous Balkan country of Montenegro!
I’ll say right away: I have already visited many countries and cities, but I will only talk here about those in which I am currently in the present time or from which I have just arrived in my native land, this is already possible! As they say, “hot on the heels” After all, facts, emotions and visual images are different from memories stretched out over time! That's why it's like that.
Your pension advisor. And not only
“I’m racing on a bike and feeling alive”: 7 stories of elderly adventurers
Andrey, 57 years old
Traveler, traveled to forty countries in the last eight years
Ten years ago I became a pensioner - so early because I was in the military. I first went abroad thirty-two years ago on a Komsomol voucher, and the next time I ended up there was only in 2008, when friends from Germany invited my wife and me to their place for the New Year. Back then, you had to wait in huge lines to leave, but it was worth it. Now I spend all my savings on travel, and over the past eight years I have already visited forty countries.
Many pensioners are burdened with a dacha and a car, while others still think that there will be a huge amount of paperwork. In my opinion, these are all excuses. To travel, a pensioner only needs ingenuity and perseverance. Of course, primitive Internet skills will also come in handy in order to look for cheap tours and tickets.
If a person wants, he will travel in any economic situation. Once in Europe, a woman from St. Petersburg was traveling with me on the bus, who saw the blockade and now lives in an ordinary poor communal apartment. She said that she travels abroad every year, saving money from her pension alone. I also saw a cunning grandfather who, at the age of 67, goes on vacation to Italy and works there on plantations every year, thus recouping most of the cost of the trip. My friend all her life dreamed of sailing from Vladivostok to the Philippines on the sailing ship “Sedov”: she got into debt, bought a ticket, and a month later I looked at her photo - she was already in the Canaries. She says that she gave up everything, rented out the apartment and got a job as a barmaid on this very sailboat.
I don't accept regular lying down. I usually travel around countries alone and don’t take my wife with me, because she is a little overweight, and such travel is difficult for her. Somehow I still traveled with her to Egypt, but while she was lying on the beach, I managed to go to Cairo and Jordan. It was for a pearl wedding (30 years of marriage. - Note ed.), and before that we went with her to the Emirates for a silver medal (25 years of marriage. - Note ed.).
Now I go on a trip at least once a month. Sometimes I have to take out a small loan - up to 30 thousand, but mostly I spend my entire pension on travel. When I retired and decided to continue working, I said to my wife: “Wow, what the hell, not my pension!” I give her my salary for our general expenses, but she won’t see my pension until I am physically able to travel. I’ve worked hard all my life and I think that now I have the right to spend this money on what makes me happy.
I don’t think I spend a lot: I’m already at that age when there’s not much to buy. Unless I take something tasty: in France - cognac, in Germany - sausages. It is much more important for an elderly person to experience emotions and experience adventures. During one bus tour, where there were mostly people 30–40 years old, the guide suggested stopping at Rotterdam, but some rebelled, saying we were too tired, and in the end we didn’t go. And another time I was traveling with some pensioners, and we visited 38 European cities in one tour - because these people’s eyes were sparkling.
In eight years I have traveled almost the whole world, and now I would really like to see Russia. But traveling within the country is much more expensive than traveling abroad. In Russia there are the northernmost point of the earth, the easternmost point of the earth and the dividing point of Asia and Europe - between the Small and Big Yenisei. I am firmly convinced that the most beautiful country I have been to is Russia, but, unfortunately, most of even the Russians themselves will never be able to look at this beauty.
Nadezhda, 55 years old
Master of Sports in powerlifting, lifts more than 150 kilograms
I started powerlifting ten years ago, and recently I lifted weights for the Master of Sports of Russia and entered the regional team. There was a long break in training because I was diagnosed with a cyst, but even during this time I continued to work on my body and promised myself that I would return to big-time sports. Two years ago I had to start all over again, but not from scratch.
Perhaps I started doing this because of my husband - he himself is an Honored Master of Sports of the USSR. Although he is no longer an active athlete, he still, at 61, goes to the gym three times a week, follows a regimen with me and lifts 150 kilograms from a squat without equipment, which in modern sports, when special clothing is used to relieve the load, seems generally incredible.
My husband and I always get up at six in the morning and go to bed at ten in the evening, we don’t eat flour or sweets, our daily diet always includes eggs, cottage cheese, chicken, vegetables, nuts, and sometimes we eat lard. To stay in shape, I run cross-country, and also teach aerobics in our gym and train small children - for this, by the way, I receive a salary of ten thousand rubles. In our sport you have to work extra, because you have to pay for equipment, competition fees and travel yourself, although the state sometimes pays for train travel.
Working clothes have to be purchased approximately once every five years. Equipment for deadlifts and squats costs 17 thousand rubles, but I charge 13 thousand; a bench press shirt costs 16 thousand, but a used one costs 10 thousand, but weightlifting shoes (special shoes. - Note ed.) and you have to buy new wristbands, and that’s another 10 thousand in total. Now the region pays for my travel, and since I have the basic form, the costs are few. This gives me the opportunity to help the guys I coach: sometimes I buy them some uniforms myself, because not everyone has the opportunity.
I can't imagine any other life. Now I feel like I’m thirty-five years old, I drive a car at high speed and, as a matter of principle, I never go to hospitals. In hospitals, old women are just sorting out their sores and pushing negativity at each other. They think it’s too late to start and reassure themselves by gardening in the summer. I look at my classmates and see how they already walk with canes - all because they developed the habit of being lazy in their youth and were unable to change the rhythm of life.
There are no age restrictions in powerlifting. People of different ages study in the hall, and everyone, young and old, calls me Nadya. We do not consider each other rivals, because in this sport everyone overcomes themselves first of all. I am happy for other athletes because they were able to overcome their laziness and depression.
I think that when you are young, developing the habit of leading a healthy lifestyle is much easier and sooner or later it will become a necessity. When a person retires, he becomes depressed, gives up, is lazy and is more afraid of difficulties than ever before in his life.
I do not believe that an elderly or very young person harms his body by powerlifting. We always start with very light weights and work our way up gradually. My granddaughter is 14 years old and has been doing powerlifting for a year now. She once asked her to train because she thought she was too fat, although, of course, this was not true - she only needed to tighten her muscles. Now she looks more athletic than her peers, but we won’t give her more weight until she turns sixteen - this is an indisputable rule.
Vera, 60 years old
Has nineteen adopted children and eleven grandchildren
Once upon a time, I was married: we lived together for nine years, but God did not give us children - and we got divorced. For a very long time I wanted to take care of at least one child, but at some point my mother got sick - and I decided that I couldn’t handle it. At that time, I worked as a programmer, and I also had to work part-time on the subway and as a cashier in a store to earn money for medicine. I always had to put off my dreams of a family until later, and only when I turned 38 did I read an advertisement in the newspaper about the SOS village project (in the SOS village, orphans live in small families with their SOS mothers in separate houses, while the SOS mothers receive a salary - Note ed.), which required women to teach orphans.
I was tested and trained and was given a home and several children to raise. It was a full-time job, and we, that is, SOS-moms, even had meetings: we consulted with each other literally about any, even the smallest, problems. A little later, I decided that I still wanted to adopt the children I was raising - I began to be overcome by the fear that at any moment the child could be taken away and given to another family.
I am currently raising five adopted children, the youngest of whom is fourteen. In total, I have nineteen adopted children: the eldest have already started families and have given me eleven grandchildren. Sometimes three generations live in our house. We still live in a house outside the city, in the SOS village, and in addition we rent out my old apartment in Moscow - the older generation of children used to live there, because apartments were not always given to orphans.
Now I have a husband, and we are both pensioners - we stay at home and devote all our time to our children. We got married when I was already 50 years old, and until that moment I raised my children alone. My husband knew about my lifestyle from the very beginning and decided that he could live the same way. For some time after the wedding, he went to Moscow every day to work, and came home in the evening to spend time with his family. Only in 2014 did he leave his job, and now he helps me with my upbringing and housework.
I feel like I live a very active life, although not in the classic, sporty sense. Many difficulties arise: when you need to get housing for your children, change their passports, contact doctors or deal with the court if problems arise with their biological parents. Because of all this, you need to constantly stay on your toes. Otherwise, we have a peaceful and friendly life. I do homework with everyone, teach the children how to do housework, we also organize family holidays and games, and in the summer we all go to the seaside together.
There are always a lot of people in our house, especially during the holidays, when grown children and their families come - about 40–50 people. My husband and I constantly communicate with someone, engage in some kind of activity to make our family feel good. My mother had nine children, and I always wanted to have the same atmosphere in the house.
Now all generations communicate with each other, help each other - our home has become a well-coordinated mechanism. Although I started pursuing my dream at a late age, I still came to what I wanted, and now the goal of my life is to monitor the well-being of this family organism.
Life after retirement
Economists argue that raising the retirement age is inevitable, since otherwise it will not be possible to balance the budget of the Russian Pension Fund. This is a fair point, but critics point to the cultural and social consequences of this massive reform. The following argument is often given: they say that the average age of men in Russia is too low, and therefore they simply will not live to see retirement.
This is not entirely true, since life expectancy in Russia is increasing and, apparently, will continue to increase. Secondly, there is a feeling that regular critics of raising the retirement age appeal exclusively to the emotional or ethical side of the issue, but do not imagine the economic dimension of the problem.
But even if we ignore the economy and consider exclusively or mainly issues of morality and ethics, we should ask ourselves: are our pensioners living well? And will it be good for future pensioners?
To put it more harshly, today a lot of pensioners live in poverty. Or he doesn’t even live, but survives.
Where to find cheaper products, and in general how to live on retirement - this is a pressing question for millions of citizens. This state of affairs is simply shameful. And millions of pensioners find a way out - they go to work or continue to work after retirement as long as they can work. But they are increasingly getting low-prestige and low-paying jobs.
In this regard, increasing age can be considered a positive experience. Because people will have the legal right to work longer and earn more. It is clear that today's pension does not provide a decent life. People of 30-40 years old (that is, approximately at the age when, in principle, they begin to think about retirement age) today simply no longer count on the state in the context of old age. They are accustomed to spending significantly more than older citizens. Therefore, no pension will be enough for them and they will have to earn it themselves.
And today we practically force our women to retire at the age of 55 (or even earlier) and then for two decades or more they are forced to eke out a miserable existence. You won’t earn money because no one will hire you. And if he does, then at most he will be a cleaner or a watchman.
And Russian women are aging earlier than they could. Experts say that young Russian women today are more likely to live to retirement age (92%) and are living longer in retirement (about 26 years). That is, we condemn the vast majority of women over 55 to an essentially miserable existence. Increasing the retirement age will provide an opportunity not only to earn more for a dignified old age, but in a social sense will prolong the life of the fair half of humanity.
The logic here is this: the longer a person maintains social mobility (and active work provides this opportunity), the longer he remains young. It has long been noted that many people die quickly when they retire. The usual way of life simply ends and vegetation begins in the full sense of the word.
This issue - social mobility of domestic pensioners - somehow falls out of sight of critics of the pension reform. By default, they consider the existing pension system to be a blessing, otherwise how can they justify their idea that nothing needs to be changed.
In reality, of course, the current state of affairs is, at a minimum, no good. And at the most, it is simply inhumane when a teacher at 55 years old is urgently asked to retire because a “young girl” came from school. At the same time, neither the young colleague herself nor the parents of the students doubt the competence of the teacher of retirement age. But the director knows that at 55 you can retire a person.
And then a person’s prospects are small - either just sit in retirement or go to a low-prestige job. Whether you like or dislike the reform proposed by the government. But the current situation is definitely terrible. In social terms, pension becomes an analogue of death. The death of a person during his lifetime is a disease of our society.
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Author, you live in a different world. In fact, after 45 years, it is extremely difficult for both men and women to find work. People simply don't get hired. And retiring is sometimes the only chance to receive at least some money. And by increasing the retirement age, the state, while solving its problems, condemns many to starvation
“It’s simply inhumane when a teacher at 55 years old is urgently asked to retire because a “young girl” came from school”
Having solved one problem, the government creates 2 new ones
-How humane is it to kick out a teacher at 63 years old?
-Where to send a girl from school?
“In social terms, retirement becomes an analogue of death.”
A pension is just money that the state pays upon reaching age, and rarely anyone is kicked out onto the street upon reaching this age; the majority continue to work receiving a significant increase, unless of course they want to retire (and most of these people have done tens of times more for Russia more than our dear reformer) This reform saves money due to the fact that a person will live less after retirement. As a result, older people will work to replenish the budget, which will use this money to pay unemployment benefits for young people, since such a reform does not solve the problem of unemployment.
The saddest thing is that they are increasing VAT, introducing major repairs, platon, raising the retirement age, compulsory motor liability insurance, raising excise taxes on gasoline to 70%, etc. Life is getting worse, people are told in their ears that this is for your good, but people clap their hands and accepts everything. Are there adequate people in this country? If this continues, we'll all be mooing soon
or maybe just stop stealing the pension fund, then it will be balanced. Or taxes paid by employers should be transferred to the accounts of the employees themselves, and not to the budget, the so-called feeding trough for presumptuous servants of the people.
Where does my comment go?
Such nonsense! It won't get any better! We slaves already pay 50% of our income to the “state” for all sorts of taxes, excise taxes and the like, and besides, we’ll die at work! The worst thing is that they don’t even ask us and we pay them for it!
They do what they want with the people, and the people look at all this. So there are such Danilins. All arguments are untenable. And if the government doesn’t know any other methods other than raising the retirement age, let it go. There will be others who know how.
Lifetime death is not the only disease of modern society. And far from the most important.
It is high time to rename the Pension Fund to the Fund for Assistance to the Elderly from Those Currently Working. Why are we silent?
What nonsense? What was a positive experience?
People after 45 years of age cannot find a normal job, what are the employer’s requirements “18 year old with 10 years of experience without children.
Only the young have an advantage, while the rest have to agree to work in low-paying jobs without starting, because you won’t survive on retirement.
Such custom-made articles cause nothing but indignation. The author either does not know life or deliberately distorts the facts.
The economic rationale for the law is clear - the pensions of current pensioners are paid from our pension contributions, but they want to force us to work as long as possible, because the government does not have money for our pensions. So they are trying to save money - during the reform, some of the current old people will die, and many of our generation will not live to see retirement. The ethical side of the issue does not allow for different interpretations - we are being brazenly robbed by our own state. We did not count on such actions when we voted for the current deputies and the president, and they know this very well. And there are no excuses for them. It is clear that this law has another side - our civil servants, deputies and officials of all stripes ensure themselves a lifelong comfortable existence in a warm place at the state feeding trough. And for this they are ready to take away even those meager pensions that we were entitled to.
The “arguments” presented in the article do not stand up to criticism. In general, attempts to draw any parallels with Europe are outraged. Increased life expectancy? For mercy's sake, where?! Around me people are dying who have not even reached the current retirement age. Has the standard of living increased? In Moscow - for sure. Is it okay that the majority of the Russian population still lives in poor housing with a “toilet-type” toilet on the street before the revolution? Has the level of medical care improved? Let me disagree. During the period following perestroika, many settlements were left completely without doctors; free medicine is not even capable of making a correct diagnosis, and ordinary citizens cannot afford paid medicine. So what remains of your theses, gentlemen reformers?
I remember how my mother counted the days until retirement, how in recent months she had difficulty walking and fell exhausted when she got home. After retiring, she was able to rest, heal, have fun and was able to live a few more years to the delight of us and her grandchildren. I don't see anything humiliating in this. And given my state of health, I simply won’t live to see retirement.
It is complete nonsense to argue that a person, upon retirement, is doomed to poverty. If there is health, everyone continues to work. And the pension becomes a very good help for the family budget. And those who cannot work at least have the means not to die of hunger. Now the state, with a calm soul, will throw elderly people into a landfill, washing its hands of it. If you don’t have the strength to work, die, no one cares.
Why is everyone silent about such an important issue as working conditions? The same teacher may well work for extra years in warmth and comfort. It is also not burdensome for deputies to sit in a soft chair for several years, without lifting anything heavier than a fountain pen. But how many professions do we have that involve heavy physical labor, but are not included in any lists of benefits? Yes, all agriculture is literally on the shoulders of workers - milkmaids and cattlemen, field workers, greenhouse workers, tractor drivers. These people move heavy things every day, waste their health and develop the body’s physical resources by the age of 50. How many people work in harmful and difficult conditions, often without even receiving a decent salary for it. Forcing them to work for another 10 years is like signing a death warrant; only a few will receive a pension, and even those will not last long. A very profitable arrangement for the state, who can argue?
Again, the problem of unemployment cannot be ignored. The pension reform will only aggravate it, because it will not create new jobs, but there will potentially be more workers. Everyone knows that after 40 years of age, getting a job becomes almost impossible. Everyone needs young, active, healthy workers. And raising the retirement age will not make an elderly, tired person with a bunch of various illnesses more desirable for an employer.
The situation presented in the article has absolutely nothing to do with retirement age. If the director is ready to vacate a position for the sake of a young girl who has come from school, this only means that the girl has a “furry paw”, and the unwanted employee will be removed anyway, not for retirement, but will be forced to write of her own free will. And, if earlier that teacher at 55 years old could retire and have a certain living wage, now she will be thrown out onto the street without a livelihood and material support.
Don’t forget that now there will be no point in holding on to a “white” salary. Since I won’t live to see my pension, it doesn’t matter to me how much they could accrue to me - they still won’t give it to me. So let my employer pay me more now, saving on taxes. I have no desire to support the state financially at my own expense.
I propose to file a decisive and active protest with the President, the government and the State Duma. Necessary:
1. Declare a vote of no confidence in the president and the government. This is not what we voted for!
2. Demand the publication of voting lists in the State Duma for pension reform. All the deputies who voted “for” should be given a ride in the next elections - let them plunge into the reality created by their efforts and experience all the delights of our life for themselves. Otherwise they were completely disconnected from the people.
3. Revise the law on civil servants, abolish exorbitant benefits and payments, set salaries no higher than the regional average, so that there is an incentive to take care of your country and people. Now they don’t even live in the same country as us - in a completely different world.
Our legislators must understand that they not only have the right to take over everything they can lay their hands on, but also a responsibility to voters, to the country and to history. The current situation smells like a thunderstorm. The upper classes do not want, and the lower classes cannot live in the old way. We are ready to take to the streets, think carefully, do you need it? Hands off the latest social guarantees!
Hey there, Vladimir Vladimirovich! Don't shy away from an unpleasant conversation, please! In 2005, did you assure Sharkhan Talibovna that there was no need to raise the retirement age? They assured me. Now explain why you changed your mind. Residents of the country, who will now have to work longer than they expected, certainly deserve such an explanation.
for the Olympics, championships, Syria, Crimean bridges, help for Belarus, EVERYONE has money except Russian pensioners
send 55-60 pensioners on a trip around the world at the expense of Vova’s supporters (people will look at themselves, show themselves, well, socialize in general), and let the supporters work at least until they reach 200 without a pension. Fed up with liberalism, Vova is impaled, the government is in the gulag. in a rich country there are poor people. working poor, if Pu’s supporters don’t name 10 countries where there is such a term, they’d better drink poison instead of writing an answer about what has been done, about US aggression and about what happened in Ukraine (already like that)
1) Many people of pre-retirement and early retirement age have parents who die. And these people - even if their parents were poor - usually inherit at least real estate. Which you can either rent out or sell by putting the money on an insured time deposit in a bank and regularly receiving interest. That is, to have an increase in pension. The article somehow conveniently forgot about this fact
2) Promises that older people approaching retirement age will be allowed to work in peace and no one will kick them out are a lie. On the contrary, NEW orders and resolutions are being adopted that allow the dismissal of elderly and sick people on absolutely legal grounds. Without providing another workplace - after all, the employer may simply not have one. Or to be, but only for your own. An example is the NEW Order of the Ministry of Health No. 302n dated April 12, 2011, according to which it was obligatory to undergo compulsory (otherwise they would simply not be allowed to work) periodic medical examinations of workers in those specialties who had NEVER PASSED THEM BEFORE! I am a living example. She received a diploma of secondary specialized education in telegraph communications, and for the last 10 and a half years she worked as a civil servant-telegraph operator in military units. The work was sedentary, in front of telegraph machines and computers; my colleagues and I did not lift anything heavier than a piece of paper. But - oops! — according to the new order of the Ministry of Health, the work was recognized as difficult and stressful. During the medical examination, the ophthalmologist did not allow me to work (yes, I have severe myopia, but I worked wearing minus 6 glasses bought at a regular optics kiosk on the market and did an excellent job! no reprimands or deprivation of bonuses, the boss called me one of the 4 best out of 18 employees ). They fired me and gave me a certificate that there were no other suitable jobs. I tried to find out through the Labor Inspectorate whether this was true - there were strong suspicions that there were places - but at the request of the inspection, none of the employer’s representatives STUPIDLY APPEARED with documents. This is discipline. And they fired me when there were only 2 years and 11 months left before retirement. That is, I just turned 52 years old. And not with a 2-month benefit, like those dismissed due to reduction or liquidation, but with only a 2-week benefit. It was as if they accused me of having severe myopia since childhood. Here you can see truth, justice, and humanity. Moreover, they mocked us verbally more than once - they say that a broom, bucket and mop do not require particularly good eyesight.
After I was fired in 2015 due to an innocent article (due to medical contraindications to work, I was 52 years old), I was registered on the stock exchange with the Employment Center for almost a year. My request was just a janitor/caretaker or cloakroom attendant with a salary in the amount of the regional subsistence minimum. Not a single place was found! No applications! They offered only what was absolutely unacceptable for me (according to an open-ended medical certificate, which the Central Health Center was required to provide, but almost none of the employees paid any attention to what was written in it), thereby leading me to nervous stress and an even greater deterioration in my health. But they had to do something with me, for the report. They sent me to the first computer courses I could find. Naturally, without employment. ,That's all love.
Pavel Danilin! You are engaged in propaganda of GENOCIDE. You will still be old, but I don’t feel sorry for you, you are selling your conscience! Shameful.
For 26 years, the young Soviet Republic practically from scratch - whitewashed it out of nothing in the civil war, carried out a new economic policy, collectivization, provided employment, albeit with communal apartments, but provided for the majority of the population, organized a free educational system upon completion of which the citizen was guaranteed to get a job, organized a pension providing citizens, established free healthcare, carried out industrialization, built factories, organized the extraction of mineral resources, the income from which worked for the development of the country, entered the Great Patriotic War, made a key turning point in this war, launched the production of more modern and powerful equipment that defeated Germany.
And what did the current government of grabbers, grabbers of democrats do during the same period - they destroyed and plundered all collective farms, state farms, most of the plants and factories - people in the countryside in the full sense of the word do not live, but survive, plundered all the mineral deposits and rakes the income from them into his pocket, and not for the development of the state, he has raised the prices for energy resources, which, to put it mildly, lie under our feet, and not as they are purchased in Europe, utility bills have been raised so much that they eat up most of the subsistence level calculated as They rub it in for us, for a month. In fact, it turns out that these funds, after all payments, will be enough for barely a third of the month. But what if there is also a child? Completely destroyed the education system by making it additionally paid. At the end of our educational institutions, it is not specialists who graduate, but God knows who. Graduates with working professions do not know how to do anything because there is no practice in factories, factories, rural areas, in the construction industry, etc. The same goes for technological and higher education. Healthcare is prohibitively expensive. A simple sore throat costs a pretty penny, but what can we say about more serious cases. She left the people to their fate - live as you want. Unemployment is measured by the number of people who apply to the employment service, and not by how many of the population receive contributions to the pension fund and the tax office. They have raised their salaries - regional deputies receive about a hundred thousand a month, there is nothing to say about the State Duma. Give them two subsistence minimums, take away everything they have as deputies, establish total control over the expenses of them and all their relatives, then let them become deputies for themselves. Created the most stolen party in the world. They adopted laws that contradict one another and in such quantity that a lifetime would not be enough to study them. And now they have decided to raise the retirement age, saying life expectancy has increased. Take a walk through the cemetery among the fresh graves - it’s amazing how your life expectancy has “grown.”
But in the same period of time, some managed to create, while others only ruined them!
In general, it’s right, about twenty years ago, Mikhail Nikolaevich Zadornov said, “Don’t bother us with your concern for us!” And in order for there to be enough money for pensions, for free healthcare, education, and the development of the country, it is necessary to disperse deputies at all levels, curtail the appetites of officials, especially the entire upper echelon of power at all levels, redirect profits from minerals from the pockets of those who are greedy to the state treasury, restore a large part of everything that they managed to destroy over the years, thereby restoring jobs with decent wages, recalculate the cost of living so that one working person can pay utility bills and this should take no more than ten percent of the total amount, he can support himself with dignity, and not like Now I myself am barely starving, at least one, and preferably two minors with the obligatory opportunity once a year for everyone to go to a sanatorium or a health boarding house, and then you see the birth rate will increase and life expectancy will increase, not as it is now on paper, but in reality The retirement age will not need to be raised and there will be enough for everyone, and not like now for a handful of snickering ghouls in power!
Wonderful article! Of course, ordinary pensioners are ballast for the state! Lime and all problems. In addition to the factors of inability to find a job at a certain age, illness and ability to work, miserable pensions, ineffective government, theft, etc., let's look at an elementary example: an ordinary hard worker with a white salary of 15,000 rubles. monthly (his employer) pays 3,300 rubles to the pension fund. Let this citizen work for 30 years, which means the deductions will amount to 1,188,000 rubles. Accordingly, with a pension of 14,000 rubles. This amount will be enough for seven years. Many payrolls are much higher, which means deductions too. How many people live to retirement age now, and how many live on pensions? And the money is collected. According to statistics, there are more than one working person per pensioner, and previously there were up to four or more. The PF should, in theory, multiply the funds still received, i.e. there should be more money. So the question is where are they?
It’s clear that now there will be a wave of cynical articles justifying the pension “reform,” but I’m simply amazed at how much more cynical one article praising it is than another. It’s as if these journalists live not only in another country, but in a parallel world. What a disgusting order.
Complete nonsense. Increasing the retirement age does not guarantee employment for citizens of pre-retirement age. As before, the employer will give preference to young people who can work for them. But the state will have the legal right to forget about the existence of a citizen for several more years. And then, perhaps, the “problem” (i.e. the person) will disappear on its own (read: die). And the Pension Fund will build itself another mansion - note that in the city their buildings are some of the coolest, or for what other personal needs will it use the money earned by the citizen.
And who told you that women at 55 will be hired only because they are no longer pensioners? Come down from the moon. I am 44 and have already begun to experience difficulties in finding employment, despite the fact that I am a specialist in my professional field of activity. All my friends the same age have the same problems. Then I have a big question for representatives of the male part of the population: who will give birth to a new generation of tax slaves if the current potential grandmothers are deprived of the opportunity to sit with their grandchildren? The state today does not provide young mothers with the opportunity to go to work with an infant, and you are also depriving them of their grandmothers. Your miracle reforms will reduce the demographic situation in the country to a catastrophic level. It’s disgusting to read such custom-made articles, sewn with white thread.
