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How to Retire Happy on Limited Resources

From the U.S. News & World Report website

Stepping into retirement with an underfunded retirement account or a half empty savings account doesn’t mean you are condemned to live out your days in poverty. You can marshal your resources to enjoy a comfortable retirement on a modest budget.

Remember to focus on these three A’s of retirement

Fewer Americans seeing crucial Social Security document due to budget cuts

From the Reuters website

It is one of the most important retirement documents you will ever receive – but fewer Americans are reviewing their Social Security benefit statement nowadays due to cost-cutting and a government push to online services that is falling short.

Until about a decade ago, all workers eligible for Social Security received a paper statement in the mail that provided useful projections of their benefits at various ages, along with reminders on the availability of disability benefits and Medicare enrollment information.

But the Social Security Administration (SSA) decided in 2010 to save money by eliminating most mailings of benefit statements. Instead, we would all be encouraged to obtain this information online.

It is now abundantly clear that this is not working out.

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Taps: Juan P. Lorenzo Jr.

On Monday, April 15, 2019, our beloved “Papa” Juan P. Lorenzo Jr. passed away at home at the age of 68.  He was born on Nov. 3, 1950 in Lihue, and was a retiree of both Kauai Electric and Kauai Island Utility Cooperative and the Hawaii Air National Guard.

In his younger years, he was an amateur radio enthusiast and under the call sign KH6JJC, chased contacts with other “hams” around the world. Later, he exchanged his radio for a camera, and QSL cards were replaced with photographs. He loved taking pictures of gentle nature.

He was preceded in death by father Juan P. Lorenzo Sr. and mother Tranquilina “Helen” Lorenzo.

He is survived by wife Gail, children Celeste (Aleks Andrews) Lorenzo, Bradley Nelmida and Meagan (Arthur) Rice, five grandchildren, two great-grandchildren, brother Melvin (Cindee) Lorenzo, sister Cynthia (Dan) Albosta, and several nieces, nephews and cousins.

A celebration of life will be held on Saturday, May 18, at Garden Island Mortuary, with viewing from 9 a.m. and services at 11 a.m.

Garden Island Mortuary is assisting the family with arrangements.


Thanks to Vern Nakasone for passing this information to Retiree News.

Check Six: 1st Sergeant’s Nightmare – 70+ years ago

Hawaii Air National Guard Photograph | click to enlarge

This undated photograph show the crew of one of the Hawaii Air National Guard’s two C-47 Commandos. The HIANG flew C-47s from 1947 until 1965, but this photograph was probably taken in the late forties.

The HIANG was recognized in 1946 and the Air Force began in 1947. The transition from the Army Air Forces included uniforms. This photograph shows a 1st Sergeant’s nightmare.

– Everyone in the photograph apparently wear Army uniforms except the member on the far right.

– He also wears a dark tie unlike the others with a lighter color tie.

– There are two types of belts – probably khaki or blue.

– Some of the members are wearing Army chevrons while some have Air Force chevrons.

– Some members are wearing Army Air Force patches on their shoulders, Army Style, while others have none.

– It doesn’t appear every member with have an organization emblem on their flight caps.

– It’s not a color photograph, but probably some are wearing brown shoes while others are wearing black shoes.


The Hawaii Air National Guard flew the C-47s until 1965, when they received a C-54 Skymaster. This aircraft was later named the “Spirit of Aloha”.

Your Guide to a Total Hip Replacement

From the U.S. News & World Report website

Ouida Dickey, 90, likes to stay active. “I don’t sit home in the rocking chair,” says Dickey, a retired college professor and former academic dean at Berry College in Rome, Georgia. But after retiring she found “great pain” in her hips from osteoporosis was making it hard to walk and putting a damper on life. In 2011, after weighing her options, she had a total right hip replacement.

When your bad hip – from a medical condition, trauma or the wear and tear of aging – is threatening to bring on constant pain and disability, hip replacement may be on your radar. “You don’t have to be totally incapacitated to need a hip replacement,” says Dr. Mark Zawadsky, an orthopedic surgeon at MedStar Georgetown University Hospital. “If you’re not happy with your level of functioning, that’s a good time to start thinking about getting a hip replacement.”

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What You Should Know About Cinnamon

Check Six: KC-135s in Southeast Asia – 48 years ago


KC-135s and the crews – the unsung heroes of the conflict in Southeast Asia.

Is Your Old IRA Gathering Dust?

From the Military.com website

“Stop looking at your accounts.” You’ve probably heard or read that as a defense against making a rash emotional move with your investments during turbulent times.

That’s probably good advice, but it doesn’t mean you should take it to the extreme. A recent conversation I had kicked off when I was asked, “Hey, what should I do with my old IRA?”

After a few minutes of discussion, it was clear to me that this person needed to spend a bit more time looking at their accounts to get a handle on the way forward. Sound familiar?

Here are a few questions you should be able to answer regarding your IRA(s) before you determine your course of action:

A, B, C & D of Melanoma Skin Cancer


Click on the chart to enlarge

Check Six: Two Maintenance Group Members – 9 years ago

Retiree News Photograph

This photograph shows Franklin Ho and Duke Ota. They were attending Fred Higa‘s retirement ceremony at the 154th Wing Dining Facility. The ceremony was held on April 9, 2010 as Fred ended his long military career.

How to Adopt a Retirement Distribution Mindset

From the Kiplinger website

Switching from a savings mentality during your working years to a spending one in retirement takes a good plan.

If it were only that easy to switch your mindset from accumulating savings for retirement to distributing those savings so you can pay your bills for the next 30 or 35 years. If you’re like most soon-to-retirees, you’ve been diligent about saving. You got good advice and implemented it.

Let’s dive into four strategies that can help you make a seamless transition from saving while working to spending income from your portfolio in retirement.

What You Need to Know About Polyps

From the WebMD website

Colon polyps are more common than you may think — almost half of us will get them.

What to know about the 2 main types:

Check Six: Honolulu International Airport – 64 years ago

More the the Boeing 377 Stratocruisers

HPD to Observe National Police Week

The Honolulu Police Department (HPD) will commemorate National Police Week 2019 with events scheduled throughout next week beginning on Monday, May 13, 2019. Police Week is observed across the nation as a time to honor and remember law enforcement officers killed in the line of duty and those who continue to protect and serve our community.

In 1962, President John F. Kennedy signed a proclamation designating the week in which May 15 falls as National Police Week.

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