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Old 07-11-2015, 05:34 PM   #51
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Larry

Like Mike here is my two cents worth although the only time I see pennies now is in the US.

in 2015
guest preached first Sunday in January
two weeks in KS with our daughter and son-in-law and granddaughter
nearly six weeks relaxing mostly at an RV park in TX
Back end of March while home babysitting grands 2-3 times a week
trip in May to see son and family in Thunder Bay
Back to KS in May to help them move
back home to babysit again in June
All our family here now for two weeks (all 7 grands) so busy at the pool, beach, our son's park like yard with great water toys for the kids.

Meanwhile circumstances have led me back to preaching every week during the summer but enjoy this and still have lots of tIme to spend with family

I get up early mainly because of our daughter's dog we have been taking care of for a month, then out gardening, and the above mentioned activities, and taking care of the
escape.

Next week it will be three nights with the trailer at our town park so I can have grands for sleepovers, get up, have breakfast then across the road to their swimming lessons.

Larry don't work any longer than you have to!

Adrian
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Old 07-11-2015, 06:25 PM   #52
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Quote:
Originally Posted by Mike Lewis View Post
On the good side-
...
- I lost twenty pounds in the first few months after retirement. I need to lose a lot more, but that's a start.

On the downside:
...
- I drive too much, even when I'm not on a trip with my trailer. When I'm home I make an excuse to drive into Milton, the nearest town, every day. Milton is ten miles away from my house.
A solution: take up cycling, and keep going into town, but under your own steam. If balancing a bicycle is not desirable, there are all sorts of stable three-wheeled options. Electric-assist bikes should work well in Florida, and would make the trip more reasonable. Just a suggestion.
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Old 07-11-2015, 08:55 PM   #53
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I find that it now takes me all day to do things that used to take me an hour. While employed it was not uncommon to stop at the store on way home from work, prepare my meal, cut grass after dinner and then meet some friends later for drinks. Now one day I'll see my friends, one day I'll cut grass, one day I'll go to store. The other thing I notice is avoiding the stores on weekends makes going to the sore more enjoyable. There are actually people employed there that are available during the week actually waiting to assist you, however they seem to disappear on the weekends.
My insurance and car expenses have dropped dramatically as my dry cleaning and clothing expenses. I now bowl 2-3 times a week for both exercise and camaraderie. When working on a project I no longer have to clean up at the end of the day as I can continue the next day where I left off. Retirement is enjoyable and less stressful. I watch the weather religiously and keep my house well prepared for storms. I spend a lot of time, too much time here on the forums as well as on line shopping. Did you know Amazon now has Sunday delivery, I ordered something this am and it will arrive tomorrow!! I enjoy tinkering with my Escape as a hobby.
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Old 07-11-2015, 09:11 PM   #54
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Quote:
Originally Posted by Brian B-P View Post
A solution: take up cycling, and keep going into town, but under your own steam. If balancing a bicycle is not desirable, there are all sorts of stable three-wheeled options. Electric-assist bikes should work well in Florida, and would make the trip more reasonable. Just a suggestion.
Well, I could do that. I tried cycling when I lived in Maryland but I could never get into good enough shape to enjoy it. I have a nice Trek hybrid bike at home so I could try again. I've noticed the spandex crowd going by my house on a regular basis. They've decided my country road is good for cycling.

So that's three things we have at home now that we didn't have when I was a kid: armadillos, coyotes, and cyclists.
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Old 07-11-2015, 10:25 PM   #55
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Err....hate to sound critical, but shouldn't this thread be split off from Retirement Planning to What I Do In My Retirement?
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Old 07-11-2015, 10:34 PM   #56
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I have read many articles that say never to retire if you want to live to a ripe old age. Years ago there was a big write up in a local newspaper about a gentleman who had sold his business and about all of the things that he was going to do in his retirement. Six months later it was his obituary. Being self employed, I spend about six weeks a year up in Iowa farming with an old army buddy and the joke there is when his wife has to use the manure bucket to hoist us up into the tractor or combine, it will be time to quit. Loren
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Old 07-11-2015, 10:59 PM   #57
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Interesting timing on this thread as my husband just retired yesterday. We had planned to retire together in January but his project came to an end and the following project was canceled (he is, I mean was, a self employed consultant). The next 6 months will be an interesting time in our relationship as I know he will want me to go out to play but I can't as I'm still working. We'll see if I last the full 6 months!

We are choosing this timing more because of life than finances. We are both in great shape and wanting to explore and enjoy this planet while we are able. We have lost way too many family members and friends before their time due to cancer and other health issues. Every time this happens on top of our sorrow we feel that reminder telling us to get out and enjoy life and each other, while we can. We've not done a lot of financial planning but are debt free and can scale back our lives if we need to. Buying a trailer and camping rather than jetting off to Europe is an accommodation that we will happily and easily make. With travel and all our hobbies, neither of us is worried about how to make the most of our new found time.

I've enjoyed reading through this thread as we've talked an dreamed about retirement for years, and now it's finally becoming a reality. For those of you who are years away, this will happen for you too!
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Old 07-11-2015, 11:11 PM   #58
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I have worked for companies for most of my career that offer employer matching of employee rrsp contributions up to a certain percentage of your salary. I have always taken advantage of this and have made ongoing contributions for many years, but with quite minimal assistance relative to how the investment portfolio is managed. I have done reasonably well over the years and think that we should be quite comfortable in retirement, but now that I am within about 11 yrs of retirement, I often worry whether I should be doing more to build up my retirement funds. Does anyone here have any suggestions on how to find a good highly qualified financial planner that can help out with advice and planning assistance in this latter stage of my career. And how can you be sure that you can trust that person, it is my future at risk, not theirs.
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Old 07-12-2015, 12:15 AM   #59
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Dave, use a fee-only financial planner. Loren
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Old 07-12-2015, 01:54 AM   #60
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Dave
Here's a good book that covers your question in chapter 18. Bogleheads' Guide to Retirement Planning

Might find it in a library, or spring for a copy.
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