8 ms·

Man Plans to Retire to Holiday Inn Instead of Nursing Home Because It’s Cheaper

99 points by rohmanhakim 8y ago

ccnafr 8y ago
As someone who's facing this with his parents. Sadly, it's true. Nursing homes prices have tripled over the last five years.
- berbec 8y ago
  The nursing and rehab center my dad is currently staying costs $700/day. That's what I paid for Sandals Jamaica for my honeymoon, an all-inclusive all you can eat/drink resort.
  - Damogran6 8y ago
    A quarter million a YEAR? It's a wonder there's any inheritance left...
    - alexis_fr 8y ago
      In most situations, a good inheritance is wholly spent by a nursing home in a few months.
      - howard941 8y ago
        It's critical to plan and execute the plan >= 5 years (less in California but I'm not licensed there) in advance of the need. A good inheritance suggests the affordability of an Elder Law attorney. See for ex https://www.naela.org/ https://www.naela.org/
    - scarface74 8y ago
      I’m not optimizing our lives to leave an inheritance. The optimum scenario is to spend our last penny on our last breath and leave nothing for our kids. We took care of them growing up, we gave them the advice and financial backing to help them get their lives off to a good start. It’s up to them to not mess that up. I’ve told my parents the same thing - I am an only child. They should enjoy their lives to the fullest and not worry about me. We’ve had discussions that they brought up. They know I’m not keeping the house and I am going to sell it as quickly as possible if they pass and not worry about optimizing what I get out of it. I’ve done the real estate thing before. It’s a headache when you live close by, let alone when you are a hundreds of miles away. They know we aren’t keeping anything in the house besides the pictures. They have long term care insurance, but if they didn’t and it meant selling the house to qualify for Medicaid - so be it. They said it is just “stuff”. My parents are in their 70’s and they both retired in their mid 50s when they were both healthy enough to enjoy themselves. They are still relatively healthy today. They didn’t have millions in the bank. My dad was a factory worker and my mom was a school teacher.
      - maxerickson 8y ago
        Did they have solid pensions? That's like having lots and lots (and lots) of savings.
        scarface74 8y ago
        My mom had the standard teacher’s pension which I believe is 60% of your last years salary. Assuming she made 60K a year at retirement that is like 900K savings at a 4% withdrawal rate. My dad had less than a million in savings. Of course she did have guaranteed access to health care insurance. My dad has less than a million.
      - Damogran6 8y ago
        I get that and feel the same. But as a parent that loves his kids, I'd love to leave them a little something (heck, even help educate the grandkids)...It feels like our legacy is being sapped by the high cost of eldercare. Compare a quarter mil a year to the historical 'Grandma comes home to live with the family' that was not uncommon in the past.
evochimp 8y ago
Even before you retire, if you are single or just a small family it is far far cheaper and far far better to live in a Holyday Inn than an Apartment building. First they will give you monthly rate instead of daily rate which is half. Then you have no deposit. You interact with hotel staffs who treat you like God instead of a landlord who treat you like slave. You need not clean the room or bed. Officially you occupy a small area though, your bedroom and bath, but you have the whole Hotel facility and area to share, you can also visit the city parks and libraries.
- eugeniub 8y ago
  What city do you live in where hotel rates, even at half, are far cheaper than apartments?
  - Ntrails 8y ago
    A 1 bed flat in zone 1-2 London is approx £1500 a month. Call that £50 a night? I think it is pretty rare to see a similarly located London hotel < £100 a night. Certainly i have airbnb'd for ~55-60 comfortably - but with way less personal space. For my city, at least, i dont think it would be cheaper but if the monthly rate thing is true can imagine it being similar order of magnitude?
    - Consultant32452 8y ago
      At the hotel you're not paying utilities and are getting free breakfast every day. How much is weekly maid service in London?
      - Ntrails 8y ago
        The cheap end of hotel rates dont include breakfast. You are right on utilities, but the counterpoint is that you have (for example) lost access to a kitchen to cook, pushing other costs up. I reckon costs being of "similar magnitude" is plausible (if the monthly rate discount is truly ~50%). Interesting trade offs imo
howard941 8y ago
> If you're thinking he's overlooking the care one gets in a retirement home, he's considered that as well, and feels confident the staff of Holiday Inn are up to the task. Having lived out of a suitcase at a competitor's inn for 3 years on a job out of town I think Planning Man is in for a care let-down. Or if dementia sets in, perhaps not.
berbec 8y ago
I'm going through this with my father. Since he didn't buy a long term care plan, the assisted living facilities by us will be $11k a month out of pocket. If you live in the USA, please talk to your parents/spouse/friends about long term care.
- sorryforthethro 8y ago
  I'm new to it myself, but it seems difficult to navigate the minefield of LTCI, particularly the Daily Benefits payouts available are around $200/day, which is lower than the cost of many facilities.
- brianwawok 8y ago
  Not sold on LTC. That’s great if your goal is to live in a facility some day. But hopefully I never have to. Can downgrade from big house to maybe a smaller condo over time. Take care of myself so hopefully will end up OK. If not? I get checked into the same home as a LTC user with Medicare. I pay for it until I am broke, then Medicare takes over. I really don’t see the upside. In the case I have a large estate and need LTC, the LTC insurance protects my estate so I can pass more of it on. But as not a huge fan of generational wealth, I see no benefit to me or the world to buy LTC insurance. In fact, less money to enjoy now or grow my estate.
  - trixie_ 8y ago
    Medicare won’t pay for assisted living, but you can use your social security money towards it. If you can’t pay, and you can’t take care of yourself then Medicaid kicks in, your social security gets taken and you go to a nusing home.
    - brianwawok 8y ago
      Yah so at that point you are living out your days in a home. So not seeing how the long term care insurance mattered.
- jdsully 8y ago
  Long Term Care insurance was a massive miscalculation in the insurance industry and shareholders paid dearly for it. It was super smart to buy it in the 80s and 90s but most insurers have gotten out of the business. The rest have raised rates so high as to make it not worth it. Genworth’s stock more than halved when they announced they had to take additional LTC write offs a few years ago.
latchkey 8y ago
This is really no different than the huge number of older retired people who move to foreign countries. Expats. Obviously, not for everyone as it is quite different and sometimes challenging to live in a foreign country. As someone who has moved to SE Asia (Vietnam) and is 'only' 45, I think almost daily about how much money I'm saving for my eventual 'retirement' and how much happier I am.
- DelightOne 8y ago
  > As someone who has moved to SE Asia (Vietnam) and is 'only' 45 How did you cope with the loss of (connection to) friends/acquaintances/possibilities/family/children? They can't be dead with 45.
  - matz1 8y ago
    You build new connection.
    - latchkey 8y ago
      ^^^ This. Even better is that you learn about new cultures and ways of thinking. Maybe it is selfish, but I'm getting to experience so much more out of life than I ever have before. My dad and a few friends have come to visit me. I can and have gone back to visit friends. But the reality is that you do make new connections and communities. No different than moving to a different state, except the flight is longer. I will add that the thought of retiring to a hotel chain is awful. For even less money, you can retire to a nice house in the countryside of SE Asia (not that far away from anything really) and hire a local for 24/7 care. Again, not for every one, but in my particular case I'm super happy with my choice.
    - TimTheTinker 8y ago
      Other expats? Or learn Vietnamese and make friends with locals?
      - matz1 8y ago
honopu 8y ago
I'd seriously look at retiring on a cruise ship. Might not be as cost effective, but it would give you a ton of stuff to do. I could probably live on a cruise ship for less than what it costs me to live.
- amelius 8y ago
  How is there more stuff to do on a cruiseship than on mainland?
  - braythwayt 8y ago
    What if we tweak it to, “More stuff to do within (walking/assisted mobility device) distance of your personal living quarters?” There are assisted living residences in urban areas, of course, but even then you may need to use public transit or taxis to get to all of the activities you enjoy. I doubt the statement is always true, but it feels like it might be true enough of the time for it to be worth a “Hunh, that’s an interesting conjecture to explore.”
  - chongli 8y ago
    Cruise ships aren't permanently at sea, they make stops in different ports where you can get out and explore for the day.
- duxup 8y ago
  I spent a week on a cruise ship. I was done with most available activities in a couple days. It also was not cheap.
  - chongli 8y ago
    You don't have to stay on one cruise ship, you can try different ones all the time, as long as they're all with the same cruise line. The point is to get a long term discount.
massysett 8y ago
This is ridiculous because a nursing home and the Holiday Inn are not remotely comparable. A nursing home is for people who can't take care of themselves. They have nursing staff available 24 hours a day. They assist people with going to the bathroom, eating, taking medicines, etc. A Holiday Inn does none of that. Clearly this man is capable of taking care of himself, which is great. He doesn't even need assisted living. He would fare just fine in a regular retirement community or just in a regular apartment, so the question is not how a Holiday Inn compares to a nursing home. It's how a Holiday Inn compares to an apartment.
- g6nhe9twPd66 8y ago
  Clearly you missed the tongue-in-cheek humor the old dude had throughout the entire article. Lay off the adderall.
  - duxup 8y ago
    >Lay off the adderall. Don't be that way.
- commandlinefan 8y ago
  Yeah, he could live even cheaper by, you know, buying a house and living in it.
  - scarface74 8y ago
    Then you have to worry about maintenance and upkeep, utilities, taxes, cleaning, etc. He also wouldn’t get the free breakfast and the optionality of moving from place to place.
- ufmace 8y ago
  Eh, it seems like a nice solution for people in a middle case. If you aren't in bad enough shape to need constant medical attention, but aren't quite up for the cleaning and maintenance requirements of a regular apartment, you can live pretty nicely and not spend too much money. Suppose it also helps if you only really want to have a suitcase or two worth of possessions.
cletus 8y ago
Similar idea with cruise ships [1]. In Australia this largely seems to work better. There's obviously public aged care but that can be a crap shoot in many ways. Like there might only be a place for you 200 miles from where you'd been living, which might be a challenge to maintain contact to friends and family. But if you have some capital behind you (eg you own your house and sell it) then you have private options, which tend to be a lot better. Typically, you pay a "deposit" (for lack of a better word) and then the facility collects 85% of your aged pension. When you die, your deposit is returned to your estate. The size of that deposit varies a lot. It might be as little as $300k or it might be $1m+. It depends on what you want. The whole thing seems a lot less "gougey" than what I know about aged care in the US, for example. [1] https://www.aplaceformom.com/blog/2013-2-2-cruise-ship-retirement-assisted-living/ https://www.aplaceformom.com/blog/2013-2-2-cruise-ship-retir...
JorgeGT 8y ago
Everything old is new again. It used to be common to live in hotels, specially towards the end of one's life, at a time where specialized facilities were scarce or nonexistent. Just off the top of my head Tesla's last years were spent at the Hotel New Yorker, with Westinghouse footing the bill.
baybal2 8y ago
Our generation of people, millennial, have no hope of having the same retirement as people in their sixties today. Simple arithmetic says that once the taxpayer/dependent ratio will hit that of Germany, it will be very very hard. Either you have a very strong industrial economy, or you study Greek. Having some kids, and expecting them to give back one day does not seem to be anything unnatural to me. Though, I hope I will get some humility by then, and not have them bail out me financially by my fifties as my own parents did :(
- neffy 8y ago
  Right. Because since we're automating all the other jobs, there will be a huge shortage of labour/automation just in this sector. Apropos... I wouldn't worry about retirement per se, I would worry about their being an intact ecosystem to retire in.
- ravenstine 8y ago
  That is why it is important not to solely rely on W2 income. Income has to be supplemented by starting side businesses in order to actually save and invest for anything without falling for the illusions of debt. On top of moving to places more affordable, it might be possible for the average person to retire. I just doubt that employment and a 401k are going to do that on their own. All the modestly wealthy people I know have other sources of income besides their main job.
  - scarface74 8y ago
    Because the majority of businesses don’t fail in 5 years....
    - ravenstine 8y ago
      Just because a lot of people fail at it doesn't mean that those who might want to take the risk shouldn't be made aware of the benefits. I would personally rather deal with failure for the shot at making more income. It's not for everyone, and they can certainly stay on the beaten path and do just fine. (so long as their debt doesn't spiral out of control) I'm not saying that people should dedicate their lives to home businesses, but they can try different things on the side to see what works with a minimal risk of catastrophic failure.
vezycash 8y ago
I read this story a few weeks ago. Don't know if it's fiction or not https://www.reshareworthy.com/old-lady-alone-on-a-cruise-ship/ https://www.reshareworthy.com/old-lady-alone-on-a-cruise-shi...
EGreg 8y ago
Reminds me of this https://m.youtube.com/watch?v=-dWFKp-bJtk https://m.youtube.com/watch?v=-dWFKp-bJtk
bfdm 8y ago
I can't tell whether this is satire or April Fools material or not, and that's a little bit sad for the way we treat our seniors.
purplezooey 8y ago
It's interesting that anything paid for with funny money, like loans, the sale of one's nest egg, or insurance, is wildly overpriced.

99 points by rohmanhakim 8y ago

As someone who's facing this with his parents. Sadly, it's true. Nursing homes prices have tripled over the last five years.

berbec 8y ago
The nursing and rehab center my dad is currently staying costs $700/day. That's what I paid for Sandals Jamaica for my honeymoon, an all-inclusive all you can eat/drink resort.
- Damogran6 8y ago
  A quarter million a YEAR? It's a wonder there's any inheritance left...
  - alexis_fr 8y ago
    In most situations, a good inheritance is wholly spent by a nursing home in a few months.
    - howard941 8y ago
      It's critical to plan and execute the plan >= 5 years (less in California but I'm not licensed there) in advance of the need. A good inheritance suggests the affordability of an Elder Law attorney. See for ex https://www.naela.org/ https://www.naela.org/
  - scarface74 8y ago
    I’m not optimizing our lives to leave an inheritance. The optimum scenario is to spend our last penny on our last breath and leave nothing for our kids. We took care of them growing up, we gave them the advice and financial backing to help them get their lives off to a good start. It’s up to them to not mess that up. I’ve told my parents the same thing - I am an only child. They should enjoy their lives to the fullest and not worry about me. We’ve had discussions that they brought up. They know I’m not keeping the house and I am going to sell it as quickly as possible if they pass and not worry about optimizing what I get out of it. I’ve done the real estate thing before. It’s a headache when you live close by, let alone when you are a hundreds of miles away. They know we aren’t keeping anything in the house besides the pictures. They have long term care insurance, but if they didn’t and it meant selling the house to qualify for Medicaid - so be it. They said it is just “stuff”. My parents are in their 70’s and they both retired in their mid 50s when they were both healthy enough to enjoy themselves. They are still relatively healthy today. They didn’t have millions in the bank. My dad was a factory worker and my mom was a school teacher.
    - maxerickson 8y ago
      Did they have solid pensions? That's like having lots and lots (and lots) of savings.
      - scarface74 8y ago
        My mom had the standard teacher’s pension which I believe is 60% of your last years salary. Assuming she made 60K a year at retirement that is like 900K savings at a 4% withdrawal rate. My dad had less than a million in savings. Of course she did have guaranteed access to health care insurance. My dad has less than a million.
    - Damogran6 8y ago
      I get that and feel the same. But as a parent that loves his kids, I'd love to leave them a little something (heck, even help educate the grandkids)...It feels like our legacy is being sapped by the high cost of eldercare. Compare a quarter mil a year to the historical 'Grandma comes home to live with the family' that was not uncommon in the past.

evochimp 8y ago

Even before you retire, if you are single or just a small family it is far far cheaper and far far better to live in a Holyday Inn than an Apartment building. First they will give you monthly rate instead of daily rate which is half. Then you have no deposit. You interact with hotel staffs who treat you like God instead of a landlord who treat you like slave. You need not clean the room or bed. Officially you occupy a small area though, your bedroom and bath, but you have the whole Hotel facility and area to share, you can also visit the city parks and libraries.

eugeniub 8y ago
What city do you live in where hotel rates, even at half, are far cheaper than apartments?
- Ntrails 8y ago
  A 1 bed flat in zone 1-2 London is approx £1500 a month. Call that £50 a night? I think it is pretty rare to see a similarly located London hotel < £100 a night. Certainly i have airbnb'd for ~55-60 comfortably - but with way less personal space. For my city, at least, i dont think it would be cheaper but if the monthly rate thing is true can imagine it being similar order of magnitude?
  - Consultant32452 8y ago
    At the hotel you're not paying utilities and are getting free breakfast every day. How much is weekly maid service in London?
    - Ntrails 8y ago
      The cheap end of hotel rates dont include breakfast. You are right on utilities, but the counterpoint is that you have (for example) lost access to a kitchen to cook, pushing other costs up. I reckon costs being of "similar magnitude" is plausible (if the monthly rate discount is truly ~50%). Interesting trade offs imo

howard941 8y ago

> If you're thinking he's overlooking the care one gets in a retirement home, he's considered that as well, and feels confident the staff of Holiday Inn are up to the task. Having lived out of a suitcase at a competitor's inn for 3 years on a job out of town I think Planning Man is in for a care let-down. Or if dementia sets in, perhaps not.

berbec 8y ago

I'm going through this with my father. Since he didn't buy a long term care plan, the assisted living facilities by us will be $11k a month out of pocket. If you live in the USA, please talk to your parents/spouse/friends about long term care.

sorryforthethro 8y ago
I'm new to it myself, but it seems difficult to navigate the minefield of LTCI, particularly the Daily Benefits payouts available are around $200/day, which is lower than the cost of many facilities.
brianwawok 8y ago
Not sold on LTC. That’s great if your goal is to live in a facility some day. But hopefully I never have to. Can downgrade from big house to maybe a smaller condo over time. Take care of myself so hopefully will end up OK. If not? I get checked into the same home as a LTC user with Medicare. I pay for it until I am broke, then Medicare takes over. I really don’t see the upside. In the case I have a large estate and need LTC, the LTC insurance protects my estate so I can pass more of it on. But as not a huge fan of generational wealth, I see no benefit to me or the world to buy LTC insurance. In fact, less money to enjoy now or grow my estate.
- trixie_ 8y ago
  Medicare won’t pay for assisted living, but you can use your social security money towards it. If you can’t pay, and you can’t take care of yourself then Medicaid kicks in, your social security gets taken and you go to a nusing home.
  - brianwawok 8y ago
    Yah so at that point you are living out your days in a home. So not seeing how the long term care insurance mattered.
jdsully 8y ago
Long Term Care insurance was a massive miscalculation in the insurance industry and shareholders paid dearly for it. It was super smart to buy it in the 80s and 90s but most insurers have gotten out of the business. The rest have raised rates so high as to make it not worth it. Genworth’s stock more than halved when they announced they had to take additional LTC write offs a few years ago.

latchkey 8y ago

This is really no different than the huge number of older retired people who move to foreign countries. Expats. Obviously, not for everyone as it is quite different and sometimes challenging to live in a foreign country. As someone who has moved to SE Asia (Vietnam) and is 'only' 45, I think almost daily about how much money I'm saving for my eventual 'retirement' and how much happier I am.

DelightOne 8y ago
> As someone who has moved to SE Asia (Vietnam) and is 'only' 45 How did you cope with the loss of (connection to) friends/acquaintances/possibilities/family/children? They can't be dead with 45.
- matz1 8y ago
  You build new connection.
  - latchkey 8y ago
    ^^^ This. Even better is that you learn about new cultures and ways of thinking. Maybe it is selfish, but I'm getting to experience so much more out of life than I ever have before. My dad and a few friends have come to visit me. I can and have gone back to visit friends. But the reality is that you do make new connections and communities. No different than moving to a different state, except the flight is longer. I will add that the thought of retiring to a hotel chain is awful. For even less money, you can retire to a nice house in the countryside of SE Asia (not that far away from anything really) and hire a local for 24/7 care. Again, not for every one, but in my particular case I'm super happy with my choice.
  - TimTheTinker 8y ago
    Other expats? Or learn Vietnamese and make friends with locals?
    - matz1 8y ago

honopu 8y ago

I'd seriously look at retiring on a cruise ship. Might not be as cost effective, but it would give you a ton of stuff to do. I could probably live on a cruise ship for less than what it costs me to live.

amelius 8y ago
How is there more stuff to do on a cruiseship than on mainland?
- braythwayt 8y ago
  What if we tweak it to, “More stuff to do within (walking/assisted mobility device) distance of your personal living quarters?” There are assisted living residences in urban areas, of course, but even then you may need to use public transit or taxis to get to all of the activities you enjoy. I doubt the statement is always true, but it feels like it might be true enough of the time for it to be worth a “Hunh, that’s an interesting conjecture to explore.”
- chongli 8y ago
  Cruise ships aren't permanently at sea, they make stops in different ports where you can get out and explore for the day.
duxup 8y ago
I spent a week on a cruise ship. I was done with most available activities in a couple days. It also was not cheap.
- chongli 8y ago
  You don't have to stay on one cruise ship, you can try different ones all the time, as long as they're all with the same cruise line. The point is to get a long term discount.

massysett 8y ago

This is ridiculous because a nursing home and the Holiday Inn are not remotely comparable. A nursing home is for people who can't take care of themselves. They have nursing staff available 24 hours a day. They assist people with going to the bathroom, eating, taking medicines, etc. A Holiday Inn does none of that. Clearly this man is capable of taking care of himself, which is great. He doesn't even need assisted living. He would fare just fine in a regular retirement community or just in a regular apartment, so the question is not how a Holiday Inn compares to a nursing home. It's how a Holiday Inn compares to an apartment.

g6nhe9twPd66 8y ago
Clearly you missed the tongue-in-cheek humor the old dude had throughout the entire article. Lay off the adderall.
- duxup 8y ago
  >Lay off the adderall. Don't be that way.
commandlinefan 8y ago
Yeah, he could live even cheaper by, you know, buying a house and living in it.
- scarface74 8y ago
  Then you have to worry about maintenance and upkeep, utilities, taxes, cleaning, etc. He also wouldn’t get the free breakfast and the optionality of moving from place to place.
ufmace 8y ago
Eh, it seems like a nice solution for people in a middle case. If you aren't in bad enough shape to need constant medical attention, but aren't quite up for the cleaning and maintenance requirements of a regular apartment, you can live pretty nicely and not spend too much money. Suppose it also helps if you only really want to have a suitcase or two worth of possessions.

cletus 8y ago

Similar idea with cruise ships [1]. In Australia this largely seems to work better. There's obviously public aged care but that can be a crap shoot in many ways. Like there might only be a place for you 200 miles from where you'd been living, which might be a challenge to maintain contact to friends and family. But if you have some capital behind you (eg you own your house and sell it) then you have private options, which tend to be a lot better. Typically, you pay a "deposit" (for lack of a better word) and then the facility collects 85% of your aged pension. When you die, your deposit is returned to your estate. The size of that deposit varies a lot. It might be as little as $300k or it might be $1m+. It depends on what you want. The whole thing seems a lot less "gougey" than what I know about aged care in the US, for example. [1] https://www.aplaceformom.com/blog/2013-2-2-cruise-ship-retirement-assisted-living/ https://www.aplaceformom.com/blog/2013-2-2-cruise-ship-retir...

JorgeGT 8y ago

Everything old is new again. It used to be common to live in hotels, specially towards the end of one's life, at a time where specialized facilities were scarce or nonexistent. Just off the top of my head Tesla's last years were spent at the Hotel New Yorker, with Westinghouse footing the bill.

baybal2 8y ago

Our generation of people, millennial, have no hope of having the same retirement as people in their sixties today. Simple arithmetic says that once the taxpayer/dependent ratio will hit that of Germany, it will be very very hard. Either you have a very strong industrial economy, or you study Greek. Having some kids, and expecting them to give back one day does not seem to be anything unnatural to me. Though, I hope I will get some humility by then, and not have them bail out me financially by my fifties as my own parents did :(

neffy 8y ago
Right. Because since we're automating all the other jobs, there will be a huge shortage of labour/automation just in this sector. Apropos... I wouldn't worry about retirement per se, I would worry about their being an intact ecosystem to retire in.
ravenstine 8y ago
That is why it is important not to solely rely on W2 income. Income has to be supplemented by starting side businesses in order to actually save and invest for anything without falling for the illusions of debt. On top of moving to places more affordable, it might be possible for the average person to retire. I just doubt that employment and a 401k are going to do that on their own. All the modestly wealthy people I know have other sources of income besides their main job.
- scarface74 8y ago
  Because the majority of businesses don’t fail in 5 years....
  - ravenstine 8y ago
    Just because a lot of people fail at it doesn't mean that those who might want to take the risk shouldn't be made aware of the benefits. I would personally rather deal with failure for the shot at making more income. It's not for everyone, and they can certainly stay on the beaten path and do just fine. (so long as their debt doesn't spiral out of control) I'm not saying that people should dedicate their lives to home businesses, but they can try different things on the side to see what works with a minimal risk of catastrophic failure.

vezycash 8y ago

I read this story a few weeks ago. Don't know if it's fiction or not https://www.reshareworthy.com/old-lady-alone-on-a-cruise-ship/ https://www.reshareworthy.com/old-lady-alone-on-a-cruise-shi...

EGreg 8y ago

Reminds me of this https://m.youtube.com/watch?v=-dWFKp-bJtk https://m.youtube.com/watch?v=-dWFKp-bJtk

bfdm 8y ago

I can't tell whether this is satire or April Fools material or not, and that's a little bit sad for the way we treat our seniors.

purplezooey 8y ago

It's interesting that anything paid for with funny money, like loans, the sale of one's nest egg, or insurance, is wildly overpriced.