Why is the Retirement Age 65?

istock.com/a-poselenov
istock.com/a-poselenov

In the early 1880s, Chancellor Otto Von Bismarck of Germany had a problem. Marxist unrest was spreading across Europe and some of his own countrymen were calling for socialist reforms. To take the wind out of their sails and stave off more radical policies, Bismarck concocted a first-of-its-kind social insurance program wherein the national government would contribute to the pensions of nonworking older Germans.

Along with German Emperor William the First, Bismarck announced the idea in 1881, and the pair made their case to the Reichstag, or German Parliament, that  “those who are disabled from work by age and invalidity have a well-grounded claim to care from the state.”*

According to the historians at the American Social Security Administration, the usual explanation for that magic number of 65 is that, at the time the plan was created, that happened to be Bismarck’s own age. The story doesn’t hold up, though. Germany initially chose 70 as its retirement age, and didn’t lower it to 65 until long after Bismarck was dead. The choice for the age of eligibility was actually more of a shrewd, and maybe a little cynical, cost-saving measure: it closely matched the average German life expectancy at the time.

Even though his plan was to flank the Marxists, Bismarck (pictured) still drew criticism for the old-age pensions, and the far-right politician was labeled a socialist. The same charge was slapped on President Franklin Roosevelt when he imported the idea to the U.S. decades later. The Committee on Economic Security, which launched the American Social Security system in 1935, selected 65 as the retirement age, but the SSA says that federal government wasn’t simply following Germany’s lead. Their choice was, like the Germans’, pragmatic. Roughly half of the existing private and state-run old-age pension systems, as well as the federal Railroad Retirement System, were using 65 as their retirement age, and the other half were using 70. It was practical for the federal plan to sync up with one half or the other, and the government’s actuarial studies suggested that starting the pensions at age 65 would allow for a system that could easily be sustained with moderate payroll taxes.

That sustainability wouldn’t last, though. In the 1980s, the SSA saw that changes in the number of people in the workforce and in retirement would require reforms to the plan. Congress has since had to make the occasional adjustment to Social Security withholding taxes and the age of eligibility. Currently, the retirement age for full benefits depends on the year a person was born. Meanwhile, the Germans have had to make adjustments to their own historic system, proposing a gradual increase of the official retirement age to 67 over the next few years.

* Just a few years later, Bismarck and William also passed an Imperial insurance order — known in German as the Reichsversicherungsverordnung — which mandated certain workers to pay premiums to health insurance funds.

Amazon's Best Black Friday Deals: Tech, Video Games, Kitchen Appliances, Clothing, and More

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Amazon

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Black Friday is finally here, and Amazon is offering great deals on kitchen appliances, tech, video games, and plenty more. We will keep updating this page as sales come in, but for now, here are the best Amazon Black Friday sales to check out.

Kitchen

Instant Pot/Amazon

- Instant Pot Duo Plus 9-in-115 Quart Electric Pressure Cooker; $90 (save $40)

- Keurig K-Cafe Special Edition; $190 (save $30)

- Ninja OS301 Foodi 10-in-1 Pressure Cooker and Air Fryer; $125 (save $75)

- Nespresso Vertuo Next Coffee and Espresso Machine by Breville; $120 (save $60)

- KitchenAid KSMSFTA Sifter with Scale Attachment; $95 (save $75)

- Keurig K-Mini Coffee Maker; $60 (save $20)

- Cuisinart Bread Maker; $80 (save $97)

- Anova Culinary Sous Vide Precision Cooker; $139 (save $60)

- Aicook Juicer Machine; $35 (save $15)

- JoyJolt Double Wall Insulated Espresso Mugs - Set of Two; $14 (save $10)

- Longzon Silicone Stretch Lids - Set of 14; $16 (save $11)

- HadinEEon Milk Frother; $37 (save $33)

Home Appliances

Roomba/Amazon

- iRobot Roomba 675 Robot Vacuum with Wi-Fi Connectivity; $179 (save $101)

- ASAKUKI 500ml Premium Essential Oil Diffuser; $22 (save $4)

- Facebook Portal Smart Video Calling 10 inch Touch Screen Display with Alexa; $129 (save $50)

- Bissell air320 Smart Air Purifier with HEPA and Carbon Filters; $280 (save $50)

- Oscillating Quiet Cooling Fan Tower; $59 (save $31)

- TaoTronics PTC 1500W Fast Quiet Heating Ceramic Tower; $55 (save $10)

- Vitamix 068051 FoodCycler 2 Liter Capacity; $300 (save $100)

- Ring Video Doorbell; $70 (save $30)

Video games

Sony

- Marvel's Spider-Man: Game of The Year Edition for PlayStation 4; $20 (save $20)

- The Legend of Zelda: Link's Awakening; $40 (save $20)

- Hyrule Warriors: Age of Calamity; $50 (save $10)

- Marvel's Avengers; $25 (save $33)

- The Last of Us Part II for PlayStation 4; $30 (save $30)

- LEGO Harry Potter: Collection; $15 (save $15)

- Ghost of Tsushima; $40 (save $20)

- BioShock: The Collection; $20 (save $30)

- The Sims 4; $24 (save $20)

- God of Warfor PlayStation 4; $10 (save $10)

- Days Gonefor PlayStation 4; $20 (save $6)

- Luigi's Mansion 3 for Nintendo Switch; $40 (save $20)

Computers and tablets

Microsoft/Amazon

- New Apple MacBook Pro 16 inches with 512 GB; $2149 (save $250)

- Microsoft Surface Laptop 3 with 13.5 inch Touch-Screen; $1200 (save $400)

- Lenovo ThinkPad T490 Laptop; $889 (save $111)

- Amazon Fire HD 10 Tablet (64GB); $120 (save $70)

- Amazon Fire HD 10 Kids Edition Tablet (32 GB); $130 (save $70)

- Apple iPad Mini (64 GB); $335 (save $64)

- Vankyo MatrixPad S2 Tablet; $120 (save $10)

Tech, gadgets, and TVs

Apple/Amazon

- Apple Watch Series 3 with GPS; $120 (save $79)

- Seneo Wireless Charger, 3 in 1 Wireless Charging Station; $16 (save $10)

- SAMSUNG 75-inch Class Crystal 4K Smart TV; $998 (save $200)

- Nixplay 2K Smart Digital Picture Frame 9.7 Inch Silver; $238 (save $92)

- All-New Amazon Echo Dot with Clock and Alexa (4th Gen); $39 (save $21)

- MACTREM LED Ring Light 6" with Tripod Stand; $16 (save $3)

- Amazon Fire TV Stick with Alexa Voice Remote; $28 (save $12)

- DR. J Professional HI-04 Mini Projector; $93 (save $37)

Headphones and speakers

Beats/Amazon

- Beats Solo3 Wireless On-Ear Headphones; $120 (Save $80)

- Apple AirPods Pro; $169 (save $50)

- Anker Soundcore Upgraded Bluetooth Speaker; $22 (save $8)

- Powerbeats Pro Wireless Earphones; $175 (save $75)

- JBL Boombox; $280 (save $120)

Movies and TV

HBO/Amazon

- Game of Thrones: The Complete Series; $115 (save $89)

- Jurassic World 5-Movie Set; $23 (save $37)

- Deadwood: The Complete Series; $42 (save $28)

- Back to the Future Trilogy; $15 (save $21)

Toys and Games

Amazon

- Awkward Family Photos Greatest Hits; $15 (save $10)

- Exploding Kittens Card Game; $10 (save $10)

- Cards Against Humanity: Hidden Gems Bundle; $14 (save $5)

- LOL Surprise OMG Remix Pop B.B. Fashion Doll; $29 (save $6)

- LEGO Ideas Ship in a Bottle 92177 Expert Building Kit; $56 (save $14)

Furniture

Casper/Amazon

- Casper Sleep Element Queen Mattress; $476 (save $119)

- ZINUS Alexis Deluxe Wood Platform Bed Frame; $135 (save $24)

- ROMOON Dresser Organizer with 5 Drawers; $59 (save $11) 

- AmazonBasics Room Darkening Blackout Window Curtains; $26 (save $5)

- Writing Desk by Caffoz; $119 (save $21)

- SPACE Seating Office Support Managers Chair; $112 (save $116)

- Rivet Globe Stick Table Lamp; $53 (save $17)

- Christopher Knight Home Merel Mid-Century Modern Club Chair; $188 (save $10)

- Walker Edison Furniture Industrial Rectangular Coffee Table; $121 (save $48)

Beauty

Haus/Amazon

- MySmile Teeth Whitening Kit with LED Light; $21 (save $12) 

- Cliganic USDA Organic Lip Balms Set of Six; $6 (save $4)

- HAUS LABORATORIES By Lady Gaga: LE RIOT LIP GLOSS; $7 (save $11)

- Native Deodorant for Men and Women Set of Three; $25 (save $11) 

- BAIMEI Rose Quartz Jade Roller & Gua Sha; $14 (save $3)

- Honest Beauty Clearing Night Serum with Pure Retinol and Salicylic Acid; $20 (save $8)

- WOW Apple Cider Vinegar Shampoo and Hair Conditioner Set; $30 (save $5) 

- La Roche-Posay Effaclar Purifying Foaming Gel Cleanser; $15 (save $5)

- wet n wild Bretman Rock Shadow Palette; $9 (save $6)

- EltaMD UV Daily Tinted Face Sunscreen Moisturizer with Hyaluronic Acid; $25 (save $6)

Clothes

Ganni/Amazon

- Ganni Women's Crispy Jacquard Dress; $200 (save $86) 

- The Drop Women's Maya Silky Slip Skirt; $36 (save $9)

- Steve Madden Women's Editor Boot; $80 (save $30)

- adidas Women's Roguera Cross Trainer; $40 (save $25)

- Line & Dot Women's Elizabeth Sweater; $74 (save $18)

- Levi's Men's Sherpa Trucker Jacket; $57 (save $41)

- Adidas Men's Essentials 3-Stripes Tapered Training Joggers Sweatpants; $28 (save $12)

- Timex Men's Weekender XL 43mm Watch; $32 (save $20)

- Ray-Ban Unisex-Adult Hexagonal Flat Lenses Sunglasses; $108 (save $46) 

- Reebok Men's Flashfilm Train Cross Trainer; $64 (save $16)

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What Is a Scuttlebutt, and Why Do We Like to Hear It?

Photo by Courtney Nuss on Unsplash

Casual conversation is home to a variety of prompts. You might ask someone how they’re doing, what’s new, or if they’ve done anything interesting recently. Sometimes, you can ask them what the scuttlebutt is. “What’s the scuttlebutt?” you’d say, for example, and then they’d reply with the solicited scuttlebutt.

We can easily infer that scuttlebutt is a slang term for information or maybe even gossip. But what exactly is scuttlebutt, and why did it become associated with idle water cooler talk?

According to Merriam-Webster, a scuttlebutt referred to a cask on sailing ships in the 1800s that contained drinking water for those on board. It was later used as the name of the drinking fountain found on a ship or in a Naval installation. The cask was known as a butt, while scuttle was taken from the French word escoutilles and means hatch or hole. A scuttlebutt was therefore a hatch in the cask.

Because sailors usually received orders from shouting supervisors, talking amongst themselves was discouraged. Since sailors could congregate around the fountain, it became a place to finally catch up and exchange gossip, making scuttlebutt synonymous with casual conversation. The scuttlebutt was really the only place to do it.

Nautical technology made the scuttlebutt obsolete, but the term endured, becoming a catch-all word for unfounded rumors.

The next time someone asks you what the scuttlebutt is, now you can tell them.

Have you got a Big Question you'd like us to answer? If so, let us know by emailing us at bigquestions@mentalfloss.com.