At 79, you’ll be tapering your monthly living expenses spend anyway. It barely seems to be a choice.
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Watching unexpected medical events happen to so many people, makes me say play safe.
Life is what happens to us while we are making other plans.
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Wtf are you going to spend it on at 80 that wouldn’t be more fun spending a bit less on at 60? Fck jam tomorrow,
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I can see both sides but for me waiting would only be worth it if the increased rate at 65 was very much larger. I’d want to be better off if I lived, say, for 3 years after 65, not 14.
That was more-or-less the case with my state pension. I was a few years short on my NI but I could buy them for cash cheaply enough that they’d have paid for themselves before I turned 69. The lose-to-win transition will happen about a year from now.
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Same here. This is about the first thing any retirement planning article in the FT suggests and was one of the first things I sorted out.
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spending a while fiddling around with discount codes to get a free “nutrient detox shampoo” with an order for skincare stuff, completing the order then remembering that I don’t use shampoo 
I guess the wife is getting some nutrient detox shampoo.
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“detox” is the new “quantum” 
Face care …7:50 …
Spent most of the morning going round in circles deciding what Colour Laser Printer/Scanner with duplex to buy. With both of us retiring soon will loose occasional access to work printers/scanners and felt a decent MFP was the way to go. Some seem great value until you look at the starter toner capacity and/or the cost of toner and the sizes they come in.
Currently down to the brand new Xerox c305ae, Kyocera MA2600cwfx or Brother MFC-L8730CDW. The last two are around £70 more than the Xerox, but both the Xerox or Kyocera have very long life drums.
Any experience of any of these guys, it is many many years since I was involved in specify and buying printers. In fact back to the days of the HP Laserjet III and IV workhorses.
And there is the whole business model.
Indeed, also close to impossible to guess how many pages we will do a month. We have sort have been rationed over the years. especially since Covid and hybrid working so have stuff we would have printed if could have but couldn’t. Currently looking like the Xerox unless you guys or online says don’t touch with a barge pole. I had discounted the Brother because of the 15k prints drum replacement, but sources now say 50k.
Sleep on it see what discounts I can extract and take it from their.
I just buy cheap inkjets now as the last printer got beaten to death with a walking boot after it decided to stop wifi printing.
Harsh but fair
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Yeah suspect possible outcome, although I am aiming to use ethernet for most printing.
Visited a bar recommended by @HughJanus can you guess its name?
East end of town is nice, more traditional architecture with lots of small independent shows, bars and restaurants
Pished it down this pm and eve, so didn’t get up to much.
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I have a brother colour laser, dead cheap, and it works. The WiFi is fine, it prints faded prints when low on toner, and it takes non brother toner. It’s the best printer I’ve had - inkjets have always been awful for me as the ink dries, as I’ll go a month without printing sometimes.
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This.
I have PoA for my mother, and manage her financial affairs. When she was in her 60s she did a fair bit, but my dad got ill about 75 and their expenditure dropped off a cliff.
She’s now 84 and she really has cut down further. She needs a bit more than the state pension, but only because she has two properties!
That said, know yourself. If you have overseas family that you will visit forever, you may end up having to stay in more expensive places as you get older as you need more service.
I myself would take the money sooner, having seen what happened with my parents, but do give thought to whatever your specifics are.
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Given genetics, gender and lifestyle factors I suspect my expenses will be very seriously curtailed by that point, “living” being the keyword here 
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