Are you Retired poll

Are you Retited poll

  • Retired

    Votes: 48 61.5%
  • Semi Retired

    Votes: 11 14.1%
  • Have to go to work

    Votes: 14 17.9%
  • Other

    Votes: 5 6.4%

  • Total voters
    78
I was once looking rather anxiously at the Meteo forecast in a French marina office at the same time as another chap . It was a Friday and I had to be in work on the Monday morning ( Budget meeting) The forecast was a bit iffy and I muttered something about it shouldn't be too bad once we cleared land and were in free air to which he opined I am in no hurry of course I am retired now. I skulked away muttering unkind things thinking one day I will be able to say the same to some unfortunate, sadly the chance never arose.
 
Having to return to work on a set Monday was always a challenge, especially on a foreign cruise. The Netherlands especially was always difficult. You could be back at Ostend on the last Thursday with a low passing over only for this to leave a NW F5 in its wake. There was no possibility of doing ninety miles in the open sea with this dead on the nose and a family crew. Realistically, one might make maybe 3 knots, more likely 2 in a small boat, leading to the end of a happy relationship and a hobby at sea. I think my record of only leaving the boat and ferrying home once in twenty consecutive years at work going foreign is not at all bad.
 
In Germany they have a government backed retirement scheme called "Altersteilzeit" ... it can run for a minimum of 1 year and a max of 6 years and you must draw your state pension at the end of the scheme.

Once you hit 6 years to your state retirement age you can apply or wait depending on plans.

When you apply, they take the remaining time to your retirement date and split it in half. Pay also gets halved.

The first 50% of the time you work your normal job as if nothing has changed, and they top up your 50% pay so you get the same take-home, give or take a few hundred euros - it's a tax fee sum.
The second 50% you go on paid leave, and they top up your 50% pay to around 88% of your previous take-home, same again, with a tax free sum.

At the end of the period, the state pension kicks in. I'm one year in to a 6 year deal, so the summer of 28 is going to involve a LOT of sailing.
 
In Germany they have a government backed retirement scheme called "Altersteilzeit" ... it can run for a minimum of 1 year and a max of 6 years and you must draw your state pension at the end of the scheme.

Once you hit 6 years to your state retirement age you can apply or wait depending on plans.

When you apply, they take the remaining time to your retirement date and split it in half. Pay also gets halved.

The first 50% of the time you work your normal job as if nothing has changed, and they top up your 50% pay so you get the same take-home, give or take a few hundred euros - it's a tax fee sum.
The second 50% you go on paid leave, and they top up your 50% pay to around 88% of your previous take-home, same again, with a tax free sum.

At the end of the period, the state pension kicks in. I'm one year in to a 6 year deal, so the summer of 28 is going to involve a LOT of sailing.
I suspect that makes more sense if written in German.
 
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