Folks on Social Security and Fed. Retirees Are Getting a Raise
According to the Washington Post, both people on social security and federal retirees are getting a small cost of living increase for 2020. Both groups of people will get a 1.6 percent increase in the checks they receive from the government. The problem is, according to Yahoo Finance, the increase does not match real-world inflation that is faced by most seniors.
The government uses the Bureau of Labor Statistics consumer price index to determine what the COLA will be for social security recipients and federal retirees. However, that consumer price index covers typical increases in expenses for clerical workers and urban employees. Senior citizens have to deal with increases in health care costs, including medications, which can be considerable as one grows older and is subject to more chronic health issues.
The paltry cost of living increase is against the backdrop of the impending insolvency of the entire social security system. Reason magazine notes that starting in 2020, the social security system will start paying out more money to retirees than it is taking in from current employees, thus starting to draw on the system’s surplus. Current projections suggest that the surplus will be depleted by 2035. Hence, the social security system will be unable to pay the full value of its benefits.
The problem is that the post-World War II baby bomb was followed by a baby bust. People are not having as many children as they used to. Hence, the number of workers paying into the system has declined from 5.1 for every retiree in 1960 to 2.8 per retiree in 2017. Something has to be done. Unfortunately, most of the options are unpopular.
Increasing payroll taxes is one idea. However, tax increases of any kind tend to be unpopular, even if they are designed to finance a benefit that all American citizens are expected to enjoy.
Another idea that has been floated is to increase the retirement age. The notion is beguiling. People are living longer and healthier. Indeed, when social security was first established in the 1930s, the average American life expectancy was 59.9 for men and 61.6 for women. In 2010 those figures had increased to 76.2 for men and 81.1 for women. With advances in medicine proceeding apace, the life expectancy is only bound to increase.
One problem, besides the tendency of seniors to resent proposals that they should stay in the workforce longer, is that work itself is more strenuous for some than for others. People who work in an office, say, might well be able to work until they are 70 or even 75. People who are employed, say, in manufacturing, not so much.
Reason suggests means-testing social security payouts as well as Medicare.
“When and if Congress gets around to doing anything, both programs should be restructured to ensure they take care of the truly needy, rather than being benefits for anyone who has reached an arbitrary age. As Reason‘s Nick Gillespie and Veronique de Rugy wrote in a still-very-relevant 2012 feature on the future of America’s entitlements, ‘Focusing on those truly in need instead of automatically shoveling out larger and larger amounts to well-off senior citizens is the best way to avert looming fiscal catastrophe and restore some morality to an indefensible system.’”
It should be noted that the increasing cost of entitlement programs is the main driver of the yearly federal budget deficit and the enormous national debt, the servicing of which has become a major expense. Reason naturally suggests that by reining in the cost of social security and other entitlements, the deficit could be turned into a surplus, hence the debt could be paid down as well.
In the meantime, most investment advisors suggest taking responsibility for one’s retirement into one’s hands. Younger workers should, by all means, invest as much as they can in IRAs and 401Ks. With polling suggesting that most millennials do not believe that social security will even be around for their declining years, such an investment strategy is only prudent. Then one will not have to stress the cost of living increase of social security because one’s nest egg will suffice for one’s declining years.
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Complimenting the Whole Person
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Complimenting Intelligence, Creativity, and Resourcefulness
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Complimenting Accomplishments
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Hanging out with you is always fun.
You’re so thoughtful.
You deserve a hug right now.
You’re inspiring.
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You have the best laugh.
I like your style.
You may dance like no one’s watching, but everyone’s watching because you’re mesmerizing.
Somehow you make time stop and fly all at the same time.
That color is perfect on you.
You light up the room.
These compliments show that you appreciate the person’s abilities.
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Your smile is contagious.
You’re a smart cookie.
You smell really good.
Everyone gets knocked down sometimes; only people like you get back up again and keep going.
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I bet you do crossword puzzles in ink.
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You light up the room.
You’re inspiring.
If you were a scented candle they’d have to call it Perfectly Imperfect (and it would smell like summer).
You’re someone’s reason to smile.
Everything would be better if more people were like you.
When you’re not afraid to be yourself, that’s when you’re incredible.
Your ability to recall random factoids at just the right times is impressive.
Complimenting Appearance
Your kindness is a balm to all who encounter it.
You’re more helpful than you realize.
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If someone based an Internet meme on you, it would have impeccable grammar.
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If you were a scented candle they’d have to call it Perfectly Imperfect (and it would smell like summer).
You should be proud of yourself.
There’s ordinary, and then there’s you.
Your bellybutton is kind of adorable.
Complimenting Personal Relationships
You’re like sunshine on a rainy day.
You are brave.
You’re better than a triple-scoop ice cream cone. With sprinkles.
You have impeccable manners.
You’re really something special.
It is often good to compliment a specific action or achievement.
Has anyone ever told you that you have great posture?
You’re more fun than bubble wrap.
You’re like a breath of fresh air.
You’re always learning new things and trying to better yourself. That’s awesome.
If someone based an Internet meme on you, it would have impeccable grammar.
You’re gorgeous—and that’s the least interesting thing about you, too.
You’re a smart cookie.
If you were a scented candle they’d have to call it Perfectly Imperfect (and it would smell like summer).
These compliments show that you appreciate the person’s abilities.
Everyone gets knocked down sometimes; only people like you get back up again and keep going.
These compliments may be a little too general. As with complimenting appearance, consider whether they are appropriate or may be bordering on being flirtatious.
You smell really good.
Your hair looks stunning.
You have the best ideas.
These compliments show that you appreciate the person’s abilities.
You’re a candle in the darkness.
Jokes are funnier when you tell them.
In high school, I bet you were voted “most likely to continue being awesome.”
You deserve a hug right now.
I bet you make babies smile.
You’re a gift to those around you.
Who raised you? They deserve a medal for a job well done.
Hanging out with you is always fun.
I like your style.
You should be proud of yourself.
Who raised you? They deserve a medal for a job well done.
You’re like a breath of fresh air.
Complimenting Accomplishments
You’re so thoughtful.
Being around you is like a happy little vacation.
You’re like sunshine on a rainy day.
You have cute elbows. For real.
You have the best laugh.
You have impeccable manners.
Your eyes are breathtaking.
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You bring out the best in other people.
You have a good head on your shoulders.
You’re a smart cookie.
Your name suits you to a T.
You’re wonderful.
You’re a smart cookie.
You’re a great example to others.
You’re a candle in the darkness.
You’re irresistible when you blush.
Your name suits you to a T.
You are the most perfect you there is.
When you say, “I meant to do that,” I totally believe you.
Complimenting Personal Relationships
I like your style.
You’re irresistible when you blush.
You light up the room.
Your kindness is a balm to all who encounter it.
I bet you do crossword puzzles in ink.
You’re great at figuring stuff out.
You’re really something special.
I like your style.
On a scale from 1 to 10, you’re an 11.
You’re a great listener.
You’re strong.
I bet you sweat glitter.
You are the most perfect you there is.
You have impeccable manners.
You’re more helpful than you realize.
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You’re more fun than a ball pit filled with candy.
I like your style.
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You are the most perfect you there is.
Colors seem brighter when you’re around.
Complimenting Personal Relationships
I like your style.
Hanging out with you is always fun.
You have the best laugh.
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These compliments may be a little too general. As with complimenting appearance, consider whether they are appropriate or may be bordering on being flirtatious.
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Complimenting Personal Relationships
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Thanks
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Complimenting Intelligence, Creativity, and Resourcefulness
Your insides are even more beautiful than your outside.
How is it that you always look so great, even if you’re in ratty pajamas?
Your name suits you to a T.
Your insides are even more beautiful than your outside.
Complimenting Accomplishments
Thanks
Our system of inside jokes is so advanced that only you and I get it. And I like that.
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Complimenting Accomplishments
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Complimenting Personal Relationships
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Complimenting the Whole Person
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Defenseless animals are drawn to you.
When you make a mistake, you fix it.
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If you were a scented candle they’d have to call it Perfectly Imperfect (and it would smell like summer).
When you make a mistake, you fix it.
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The way you treasure your loved ones is incredible.
These compliments focus on how the person relates to others.
I appreciate you.
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You seem to really know who you are.
These compliments may be a little too general. As with complimenting appearance, consider whether they are appropriate or may be bordering on being flirtatious.
You are brave.
You’re a great listener.
You’re more helpful than you realize.
You have a great sense of humor.
How do you keep being so funny and making everyone laugh?
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Your bellybutton is kind of adorable.
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The way you treasure your loved ones is incredible.
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Defenseless animals are drawn to you.
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Your kindness is a balm to all who encounter it.
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Jokes are funnier when you tell them.
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These compliments show that you appreciate the person’s abilities.
You should be proud of yourself.
On a scale from 1 to 10, you’re an 11.
You have the best laugh.
These compliments focus on how the person relates to others.
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Complimenting Personal Traits
You’re even better than a unicorn because you’re real.
How is it that you always look so great, even if you’re in ratty pajamas?
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You’re a smart cookie.
If you were a scented candle they’d have to call it Perfectly Imperfect (and it would smell like summer).
Hanging out with you is always fun.
I bet you make babies smile.
I bet you make babies smile.
Your ability to recall random factoids at just the right times is impressive.
These compliments can be problematic as complimenting appearance can come across as flirting, and so they should be avoided in many business and social contexts.
I like your style.
You’re wonderful.
You’re strong.
You bring out the best in other people.
You could survive a zombie apocalypse.
You were cool way before hipsters were cool.
I appreciate you.
You’re a gift to those around you.
Your ability to recall random factoids at just the right times is impressive.
If someone based an Internet meme on you, it would have impeccable grammar.
You’re all that and a super-size bag of chips.
You should be proud of yourself.
You’re gorgeous—and that’s the least interesting thing about you, too.
Our community is better because you’re in it.
When you say, “I meant to do that,” I totally believe you.
You’re so thoughtful.
Complimenting Personal Traits
When you make up your mind, nothing stands in your way.
There’s ordinary, and then there’s you.
You should be thanked more often. Thank you.
On a scale from 1 to 10, you’re an 11.
You light up the room.
You’re a great listener.
You’re more fun than a ball pit filled with candy.
You are the most perfect you there is.
If you were a scented candle they’d have to call it Perfectly Imperfect (and it would smell like summer).
You look great today.
You have the courage of your convictions.
You have a good head on your shoulders.
You were cool way before hipsters were cool.
I like your style.
You’re always learning new things and trying to better yourself. That’s awesome.
Your smile is contagious.
Hanging out with you is always fun.
There’s ordinary, and then there’s you.
Actions speak louder than words, and yours tell an incredible story.
These compliments show that you appreciate the person’s abilities.
You should be proud of yourself.
You’re more helpful than you realize.
You’re a smart cookie.
Your eyes are breathtaking.
You’re more fun than a ball pit filled with candy.
I bet you make babies smile.
You’re an awesome friend.
You’re an awesome friend.
You’re so thoughtful.
You have impeccable manners.
You’re a candle in the darkness.
I bet you make babies smile.
You look great today.
You have the best laugh.
Colors seem brighter when you’re around.
You’re more fun than bubble wrap.
When you say, “I meant to do that,” I totally believe you.
You always know how to find that silver lining.
You’re better than a triple-scoop ice cream cone. With sprinkles.
You are the most perfect you there is.
Actions speak louder than words, and yours tell an incredible story.
Defenseless animals are drawn to you.
You light up the room.
Your insides are even more beautiful than your outside.
I like your style.
If you were a scented candle they’d have to call it Perfectly Imperfect (and it would smell like summer).
Complimenting Intelligence, Creativity, and Resourcefulness
Complimenting the Whole Person
When you make up your mind, nothing stands in your way.
Complimenting Intelligence, Creativity, and Resourcefulness
When you make a mistake, you fix it.
You’re a gift to those around you.
You’re better than a triple-scoop ice cream cone. With sprinkles.
Complimenting the Whole Person
You deserve a hug right now.
You have a great sense of humor.
You look great today.
You look great today.
These compliments may be a little too general. As with complimenting appearance, consider whether they are appropriate or may be bordering on being flirtatious.
Your voice is magnificent.
These compliments acknowledge different qualities the person exhibits.
These compliments focus on how the person relates to others.
Your perspective is refreshing.
There’s ordinary, and then there’s you.
You’re great at figuring stuff out.
You always know how to find that silver lining.
You’re more helpful than you realize.
You are brave.
You’re strong.
You have the best ideas.
You’re more helpful than you realize.
You’re strong.
You deserve a hug right now.
In high school, I bet you were voted “most likely to continue being awesome.”
You are enough.
You’re a great listener.
You’re irresistible when you blush.
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Somehow you make time stop and fly all at the same time.
I bet you make babies smile.
You seem to really know who you are.
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You’re all that and a super-size bag of chips.
That thing you don’t like about yourself is what makes you really interesting.
Defenseless animals are drawn to you.
If cartoon bluebirds were real, a couple of ’em would be sitting on your shoulders singing right now.
In high school, I bet you were voted “most likely to continue being awesome.”
You always know how to find that silver lining.
You have a great sense of humor.
You have the best laugh.
Your kindness is a balm to all who encounter it.
You should be proud of yourself.
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You’re really something special.
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Your perspective is refreshing.
Your voice is magnificent.
You smell really good.
I like your style.
Your voice is magnificent.
You are enough.
How is it that you always look so great, even if you’re in ratty pajamas?
How do you keep being so funny and making everyone laugh?
If cartoon bluebirds were real, a couple of ’em would be sitting on your shoulders singing right now.
When you make a mistake, you fix it.
These compliments focus on how the person relates to others.
You’re more fun than bubble wrap.
Complimenting the Whole Person
Our community is better because you’re in it.
You’re a candle in the darkness.
You’re a candle in the darkness.
You’re so thoughtful.
You were cool way before hipsters were cool.
You have cute elbows. For real.
Your smile is contagious.
You light up the room.
When you say, “I meant to do that,” I totally believe you.
You are making a difference.
You’re a gift to those around you.
You always know just what to say.
Complimenting the Whole Person
In high school, I bet you were voted “most likely to continue being awesome.”
You have the best ideas.
You have the best laugh.
You’re an awesome friend.
Jokes are funnier when you tell them.
You’re more fun than bubble wrap.
You may dance like no one’s watching, but everyone’s watching because you’re mesmerizing.
You deserve a hug right now.
Who raised you? They deserve a medal for a job well done.
You’re a smart cookie.
You always know how to find that silver lining.
You have a great sense of humor.
That thing you don’t like about yourself is what makes you really interesting.
Hanging out with you is always fun.
You always know just what to say.
You should be thanked more often. Thank you.
Being around you makes everything better.