Tuesday, October 11, 2016

About that tattoo on your back?

As both of us "celebrated" turning 65 this year, Marc and I are trying to take responsible steps regarding our financial future.
We've been in to talk over our investments with our broker and we're looking into the whole Medicare thing, trying to learn to speak and understand government lingo.
We are mapping out the budget to see if we will be able to live on what we've saved and what will be coming in from various sources.
We sat down one night and opened accounts so we can sign up for Social Security.
Has anybody else found that a challenging exercise?
Talk about driving home the feeling that our government has been tracking us all since birth, this does it.
To set up an account you choose from multiple answers to questions like: What kind of car did you finance in 1989? Who held the loan?
What credit card were you approved for in 2013? 
What is the name of your current mortgage company and do you owe X or Y?
It's nothing like the security questions you answer to maintain privacy on your bank account and those are hard enough: what was the name of your first pet or what was the name of your first-grade teacher?
I find those questions sufficiently difficult. I have to go write them down somewhere if I want to get them right the next time I need them. (Is Mrs. Rumsberg with an "e" or a "u?")
Did I put down my pet's name as "Taffy?" or his whole name: "Taffy Woofy Waffle Hancock?"
The government obviously had records of every financial transaction ever made and can check to see if you get it right.
There's no bluffing your way through this which I suppose is good.
No one else will know where I bought my first car or how much I paid for it.
Nobody else can guess what the mortgage payment was on my first home, not even me.
The problem I see here is that by the time you reach the age to be drawing Social Security, your brain barely works that well anymore.
Things are a bit fuzzy.
How can we aged folks pass the test?

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