Just a couple of days ago I was able to sit on the deck in the afternoon and sip a glass of wine in the sun in these fabulous Indian Summer Autumn days. Waiting for the leaves to really begin falling so that we can rake and burn. Suddenly, the weather has turned into our normal October/November fare. Cold, windy, rainy and snowing this evening.
Sadly, I think I have missed the optimal rake and burn cycle, yet again on the leaves. Just like last year we will have mounds of soggy leaves that can't be burned or that will create smudgy pillars of smoke. Ah well, compost material.
When the weather turns, so do my thoughts of cooking turn to warming meals. Long cooking stews, soups and casseroles. So, while The Dumbplumber is napping after being out in the cold all day long; winterizing homes so they won't have broken pipes next spring, I'm making Clam Chowder. (check out the recipe on my Recipe Junkie blog) and will try to finish the next Chemo hat that I'm knitting for my friend.
I think that I'm really getting the hang of this retirement stuff.
Showing posts with label retirement. Show all posts
Showing posts with label retirement. Show all posts
Thursday, November 03, 2011
Friday, September 23, 2011
What Did I Do Today
Dear Diary
Monday, September 05, 2011
House Cleaning Music
Today when I was rocking around the house, dancing......cleaning, dusting and messing around in the kitchen, it struck me that there are just some songs and music that make the work go faster and make it FUN.
Tell me you can't work faster when you listen to this.
Rock on!!
I think I'll make a clean the house CD....turn up the bass and crank up the volume.
Anything Robert Palmer.
Ace of Base.
Nothing like that pulsing beat to keep you motivated.
Hot CHA!!
What's on your "working it out" CD?
Tell me you can't work faster when you listen to this.
Rock on!!
I think I'll make a clean the house CD....turn up the bass and crank up the volume.
Anything Robert Palmer.
Ace of Base.
Nothing like that pulsing beat to keep you motivated.
Hot CHA!!
What's on your "working it out" CD?
Catching Up
Wow. Long time no post.
Has it really been 8 months since I retired? Time has just zipped by. People keep asking me if I'm bored or miss my work. Like I said in my Every Day is Saturday post.....are they NUTS? No way. I have more to do than ever and the bonus is that it is things that I want to do.
Having worked since the age of 15 and with the exception of a few months of maternity leave 33 years ago and a 5 month stretch of unemployment, when the government regulated my job out of existence, I have worked straight through for 47 years. 47 years of working for other people and for myself. 47 years of structuring my life around other people's work schedule, other people's demands and trying to squeeze in the fun things, recreation and the necessary household chores that keep the house from crumbling around you into big dust bunny piles.
So to recap....what have I been doing and what has been happening in the last 8 months in no particular order
1.This one IS the most important however. I became a grandmother to the most adorable, gorgeous, smart,talented etc etc grandson. I've been able to see him once. But now that my daughter and family are moving back to the Bay Area....I will be able to visit more often.
2. Yes. We did get a refrigerator. And we are keeping the little fridge on the deck for beer and wine.
3. Started knitting again and made a pair of nice wool socks to wear around the house.
I plan to make many more pairs for myself and for the Dumbplumber so that when winter comes our feet won't have popcicle toes. Also some hats for a dear friend who is going to have chemo treatments soon and will be hairless.
4. BIG PROJECT!! Went through my craft magazines and clippings that I have been collecting since the early 1960's. Organized them by publisher and by date and put them into containers that can be stood upright on the shelving in my personal (not work) office. Now in the process of scanning the projects that I want to start on and categorizing by type. Knitting: hats, scarves, sweaters. Sewing: toys, aprons, decorative. Weaving. etc etc etc. This is a project for the winter months.
5. Gardening. This is something I rarely had time for and this year I was able to really utilize the raised beds and realized that the deer are eating up all of my hard work. It is WAR!! Oh YEAH its on. Next year......a fence around the garden. Maybe something like THIS.....
Ok....dream on.
6. Speaking of office. When I closed my financial planning practice, we transfered all of the furniture upstairs into my husband's, and now my office, for his business. In addition to all of the fun stuff, I am also the bookkeeper, record clerk, ordering clerk, banker and bill collector.
Part of office set up before decorating.
Our next goal for the office is to find a neat art deco style buffet to turn into a wet bar where we can display our collection of crystal decanters and have a cocktail at the end of the day.
Cooking, organizing recipes (another collection years in the making), canning fruit, sewing aprons, making stuffed toys, cleaning. I know, most of those things sound like work and not all that much fun, especially the cleaning, but when you have never been able to really get to it.....it is satisfying to accomplish that closet cleaning and pruning that hasn't been done for years.
SO much to to. SO much fun. Everyday seems like Saturday.
Retirement IS everything it was cracked up to be.
Has it really been 8 months since I retired? Time has just zipped by. People keep asking me if I'm bored or miss my work. Like I said in my Every Day is Saturday post.....are they NUTS? No way. I have more to do than ever and the bonus is that it is things that I want to do.
Having worked since the age of 15 and with the exception of a few months of maternity leave 33 years ago and a 5 month stretch of unemployment, when the government regulated my job out of existence, I have worked straight through for 47 years. 47 years of working for other people and for myself. 47 years of structuring my life around other people's work schedule, other people's demands and trying to squeeze in the fun things, recreation and the necessary household chores that keep the house from crumbling around you into big dust bunny piles.
So to recap....what have I been doing and what has been happening in the last 8 months in no particular order
1.This one IS the most important however. I became a grandmother to the most adorable, gorgeous, smart,talented etc etc grandson. I've been able to see him once. But now that my daughter and family are moving back to the Bay Area....I will be able to visit more often.
2. Yes. We did get a refrigerator. And we are keeping the little fridge on the deck for beer and wine.
3. Started knitting again and made a pair of nice wool socks to wear around the house.
I plan to make many more pairs for myself and for the Dumbplumber so that when winter comes our feet won't have popcicle toes. Also some hats for a dear friend who is going to have chemo treatments soon and will be hairless.4. BIG PROJECT!! Went through my craft magazines and clippings that I have been collecting since the early 1960's. Organized them by publisher and by date and put them into containers that can be stood upright on the shelving in my personal (not work) office. Now in the process of scanning the projects that I want to start on and categorizing by type. Knitting: hats, scarves, sweaters. Sewing: toys, aprons, decorative. Weaving. etc etc etc. This is a project for the winter months.
5. Gardening. This is something I rarely had time for and this year I was able to really utilize the raised beds and realized that the deer are eating up all of my hard work. It is WAR!! Oh YEAH its on. Next year......a fence around the garden. Maybe something like THIS.....
Ok....dream on.
6. Speaking of office. When I closed my financial planning practice, we transfered all of the furniture upstairs into my husband's, and now my office, for his business. In addition to all of the fun stuff, I am also the bookkeeper, record clerk, ordering clerk, banker and bill collector.
Part of office set up before decorating.
Our next goal for the office is to find a neat art deco style buffet to turn into a wet bar where we can display our collection of crystal decanters and have a cocktail at the end of the day.
Cooking, organizing recipes (another collection years in the making), canning fruit, sewing aprons, making stuffed toys, cleaning. I know, most of those things sound like work and not all that much fun, especially the cleaning, but when you have never been able to really get to it.....it is satisfying to accomplish that closet cleaning and pruning that hasn't been done for years.
SO much to to. SO much fun. Everyday seems like Saturday.
Retirement IS everything it was cracked up to be.
Saturday, March 05, 2011
Every Day is Saturday
I've just figured out what is so great about being retired.
Every day feels like it is Saturday.
Work is behind me because it isn't Friday....it feels like a perpetual Saturday.
No stress about having to rush get things done on one of only two days off like before. It used to be that because tomorrow will be Sunday: and we all know that Sunday is the day before Monday and THEN ......back to work......the weekends were full of work. Different work than the weekdays at the office, but still work.
NOW.....every day is Saturday with a long endless string of Sundays to follow.
An afternoon nap is perfectly fine: in fact almost mandatory. Lazing and finishing that book that I never had time to finish before. A little afternoon 'delight' whenever possible. Perhaps bake a cake or try out a new recipe. Maybe start that quilt project which I have been putting off for years..... Ho hum. When the spring and summer comes, an afternoon glass of wine on the deck curled up in the dappled sunlight with a good book on the chaise listening to my collection of jazz recordings on the wireless speakers.
People ask if I'm bored. Are they nuts?
Every day is Saturday!
Every day feels like it is Saturday.
Work is behind me because it isn't Friday....it feels like a perpetual Saturday.
No stress about having to rush get things done on one of only two days off like before. It used to be that because tomorrow will be Sunday: and we all know that Sunday is the day before Monday and THEN ......back to work......the weekends were full of work. Different work than the weekdays at the office, but still work.
NOW.....every day is Saturday with a long endless string of Sundays to follow.
An afternoon nap is perfectly fine: in fact almost mandatory. Lazing and finishing that book that I never had time to finish before. A little afternoon 'delight' whenever possible. Perhaps bake a cake or try out a new recipe. Maybe start that quilt project which I have been putting off for years..... Ho hum. When the spring and summer comes, an afternoon glass of wine on the deck curled up in the dappled sunlight with a good book on the chaise listening to my collection of jazz recordings on the wireless speakers.
People ask if I'm bored. Are they nuts?
Every day is Saturday!
Sunday, January 30, 2011
Benefits of Retirement
I decided to pull the plug on my business as a stock broker in December of 2010. Since then, there have been a lot of changes and unexpected side benefits to being retired.
Surprisingly, being retired hasn't translated into a leisurely lifestyle. No bon bons or lounging around in silk pajamas for me. Have been able to squeeze in the few occasional naps once in a while and a nice afternoon glass of wine in the sunshine on the deck on the rare moment when the sun has actually out been out this winter and when I'm caught up on chores and errands :-)
I have been more busy now than I ever was in my office environment. The Dumbplumber (my ever lovin' husband) has expanded his business and I have picked up all of his bookwork, banking, post office and errand running, telephone calling and in general freeing him up from these hated and mundane tasks.
It is a very strange feeling to not have an office to go to every day. Not have a time schedule for meeting with clients, making phone calls. My time is my own. No demands from others......well.....except for The Dumbplumber. In the beginning it felt like I was playing hookie or shirking something.
Because I'm home now, I can do more than just pay surface attention to the house and the yard. Busy busy there too and I love it. All the things that I want to do at home that were neglected or just half assed taken care of.
Benefit #1: HEALTH I'm losing weight from all the activity. Seriously!! 8 pounds so far without even trying. No more sitting at a desk all day. No more lunches out. No more frustration eating. Now I'm up and down the stairs, walking from one end of the property to the other. Lifting.... bending.......moving around. My energy level is higher and my motivation to just DO is higher.
Benefit #2: ORGANIZATION: The ability to have the time to focus on a task and get it done. The low priority things like organizing my home office that I put off and put off until it becomes a monumental intimidating task. Catagorizing my enormous collection of cook books, recipies, craft books and patterns. Previously, who had the time? Not me. Side benefit is that I've been able to purge, throw away, lots of items that I had just stored away. Purging and lightning the load feels great.
Benefit#3: COOKING: Sort of a side benefit of #2. I love to cook and since organizing and purging; I have been able to plan new and exciting (and sometimes not so exciting) meals. Instead of sticking to the tried and true, old faithful recipies for expediency, I can experiment. Cooking is a creative and to me Zen like activity which leads me to the next benefit.
Benefit #4: CREATIVITY: I've alway been interested in arts and crafts. In fact......and I know it seems strange with my occupation as a stock broker, I was an art major in college. Over the years and as my business became more and more demanding, I stifled my creativity. NOW....with time being my friend instead of my nemisis, I can bring out the crafting supplies. The oil paints, the clay, stained glass, yarn and fabric and pick up again the creative outlets that I let languish and wither.
Benefit #5: CLEAN HOUSE: Feminists are probably having their heads explode right about now as I am reveling in my ability to do housework. The laundry is folded, closets are clean and organized, kitchen is sparkling, counters are cleared of clutter, floors are kept as clean as can be until it isn't muddy outside anymore, bathrooms are gleaming, dusting, polishing.........
I'm not a 'feminist' in the Gloria Steinham,(hate men, men are the enemy) mold. I am a feminist in that I held a sucessful job in a profession designated to and dominated by men. I am a feminist in that I feel that women can and should do whatever they are qualified to do. I am also a feminist in that I love my own femininity and enjoy being around men without feeling that there must be a competition. I see no contradiction in feminism and being happy to be at home with my family. I see no betrayal of feminism to be 'house proud'.
Instead of just skimming the surface, now I can take the TIME (see a common thread here?). Surprisingly, it seems to take less time to do the job throughly than it did to just haphazardly, slapdash through the chores.
TOP BENEFIT: TIME WITH MY HUSBAND: The number one top benefit of retirement, is that I have more time to spend with my husband. Quality time we have both been missing.
Previously, we would have some time in the morning over coffee before both going out to our respective businesses. Me to my office, he to his truck(s) and the various job sites for his plumbing and well jobs. In the evening, we would meet again at home for some de-briefing of the day's activities. Perhaps a cocktail or two before dinner. Maybe some television and then early to bed so we can go out and work again the next day. Wash, rinse and repeat.
Now, we often go together on the preliminary inspections for his work. Driving through countryside that is beautiful and pastoral.
Going from one job to another, we can revel yet again in the beauty of our adopted home, reminding us just why we are working so hard. We can spend time talking and laughing with each other; stopping at the local "Frosty" for an ice cream cone or a quick snack and then on to visit the next job. We never get tired of each other's company. It is almost like dating again.
Instead of being trapped in an office, looking at the four walls, I get to see THIS:
And at the end of the day we can sit on our deck, cocktails in hand, satisfied with our life and view THIS.
Surprisingly, being retired hasn't translated into a leisurely lifestyle. No bon bons or lounging around in silk pajamas for me. Have been able to squeeze in the few occasional naps once in a while and a nice afternoon glass of wine in the sunshine on the deck on the rare moment when the sun has actually out been out this winter and when I'm caught up on chores and errands :-)
I have been more busy now than I ever was in my office environment. The Dumbplumber (my ever lovin' husband) has expanded his business and I have picked up all of his bookwork, banking, post office and errand running, telephone calling and in general freeing him up from these hated and mundane tasks.
It is a very strange feeling to not have an office to go to every day. Not have a time schedule for meeting with clients, making phone calls. My time is my own. No demands from others......well.....except for The Dumbplumber. In the beginning it felt like I was playing hookie or shirking something.
Because I'm home now, I can do more than just pay surface attention to the house and the yard. Busy busy there too and I love it. All the things that I want to do at home that were neglected or just half assed taken care of.
Benefit #1: HEALTH I'm losing weight from all the activity. Seriously!! 8 pounds so far without even trying. No more sitting at a desk all day. No more lunches out. No more frustration eating. Now I'm up and down the stairs, walking from one end of the property to the other. Lifting.... bending.......moving around. My energy level is higher and my motivation to just DO is higher.
Benefit #2: ORGANIZATION: The ability to have the time to focus on a task and get it done. The low priority things like organizing my home office that I put off and put off until it becomes a monumental intimidating task. Catagorizing my enormous collection of cook books, recipies, craft books and patterns. Previously, who had the time? Not me. Side benefit is that I've been able to purge, throw away, lots of items that I had just stored away. Purging and lightning the load feels great.
Benefit#3: COOKING: Sort of a side benefit of #2. I love to cook and since organizing and purging; I have been able to plan new and exciting (and sometimes not so exciting) meals. Instead of sticking to the tried and true, old faithful recipies for expediency, I can experiment. Cooking is a creative and to me Zen like activity which leads me to the next benefit.
Benefit #4: CREATIVITY: I've alway been interested in arts and crafts. In fact......and I know it seems strange with my occupation as a stock broker, I was an art major in college. Over the years and as my business became more and more demanding, I stifled my creativity. NOW....with time being my friend instead of my nemisis, I can bring out the crafting supplies. The oil paints, the clay, stained glass, yarn and fabric and pick up again the creative outlets that I let languish and wither.
Benefit #5: CLEAN HOUSE: Feminists are probably having their heads explode right about now as I am reveling in my ability to do housework. The laundry is folded, closets are clean and organized, kitchen is sparkling, counters are cleared of clutter, floors are kept as clean as can be until it isn't muddy outside anymore, bathrooms are gleaming, dusting, polishing.........
I'm not a 'feminist' in the Gloria Steinham,(hate men, men are the enemy) mold. I am a feminist in that I held a sucessful job in a profession designated to and dominated by men. I am a feminist in that I feel that women can and should do whatever they are qualified to do. I am also a feminist in that I love my own femininity and enjoy being around men without feeling that there must be a competition. I see no contradiction in feminism and being happy to be at home with my family. I see no betrayal of feminism to be 'house proud'.
Instead of just skimming the surface, now I can take the TIME (see a common thread here?). Surprisingly, it seems to take less time to do the job throughly than it did to just haphazardly, slapdash through the chores.
TOP BENEFIT: TIME WITH MY HUSBAND: The number one top benefit of retirement, is that I have more time to spend with my husband. Quality time we have both been missing.
Previously, we would have some time in the morning over coffee before both going out to our respective businesses. Me to my office, he to his truck(s) and the various job sites for his plumbing and well jobs. In the evening, we would meet again at home for some de-briefing of the day's activities. Perhaps a cocktail or two before dinner. Maybe some television and then early to bed so we can go out and work again the next day. Wash, rinse and repeat.
Now, we often go together on the preliminary inspections for his work. Driving through countryside that is beautiful and pastoral.
Going from one job to another, we can revel yet again in the beauty of our adopted home, reminding us just why we are working so hard. We can spend time talking and laughing with each other; stopping at the local "Frosty" for an ice cream cone or a quick snack and then on to visit the next job. We never get tired of each other's company. It is almost like dating again.
Instead of being trapped in an office, looking at the four walls, I get to see THIS:
And at the end of the day we can sit on our deck, cocktails in hand, satisfied with our life and view THIS.
Sunday, December 26, 2010
Retirement----Sort Of
To retire or not to retire. That is the question.
A few months ago, I made the big decision. After 20 plus years as a financial advisor and insurance agent, it was time to slow down and semi-retire. Semi- because I will still be keeping for a while my insurance business.
Semi retire because my husband is purchasing another business and I will be keeping books for his two businesses as well as our personal finances.
DECIDING:
How did I make the decision? Time and Money.
1. We only have so much sand in our personal hourglass. At 60 I can see that there is more sand in the bottom than the top. It is time to enjoy the sand that I have left.
2. I'm going to be a Grandmother, for the first time. And again....time....it goes by so fast. Do I want to spend my "sand" on shepherding my recalcitrant, balky and frankly ungrateful clients....OR do I want to spend time with my husband, grandchild, my daughter and her husband and my Father who just turned 82 (who also has a limited amount of sand left)
No contest. Family wins out.
3. Time. I haven't had time to do the things that I enjoy. Hobbies that I have let languish over the past 10 years of self employment. Cooking, Quilting, Painting, Gardening, Sewing, Knitting, playing my guitar. I am sooooo...looking forward to being able to exercise my artistic and creative side, instead of my analytical and managerial side.
4. Money. While most of my clients have done very well, even through this latest downturn and many have actually made money, I am just sick of dealing with everyone's problems. Holding hands. Trying to keep people from running off of the rails. Frankly.....I'm sick of most of my clients. One positive sign that it is time to quit.
5. Money. The fees and charges to doing business have gone up and up and up. A 25% increase next year for basic services from my Broker Dealer. Fees added to fees. Not to mention paperwork and compliance up the boo yang. Add in the office overhead, insurance etc. It was a no brainer.
So....I have moved my office to my husband's business. Upstairs above the workshop. Despite his whining that he is going to lose his 'man cave', he admits that it does look pretty nice, manly and .....bonus!!!.. I will be cleaning the office so that there aren't as many manly dead spiders, flies and cobwebs. Another bonus. I plan to set up a wet bar and get some nice recliners and a flat screen television so we can watch movies and just relax.
MOVING:
OMG. The pain of moving almost 10 years of office accumulation, files, supplies, decorations. And moving all of it UP a flight of stairs. I'll tell you one thing. After all these trips up and down the stairs carrying my end of the furniture and boxes of stuff......I will have buns of steel. Right now I feel like someone has kicked me in the rear.
A few months ago, I made the big decision. After 20 plus years as a financial advisor and insurance agent, it was time to slow down and semi-retire. Semi- because I will still be keeping for a while my insurance business.
Semi retire because my husband is purchasing another business and I will be keeping books for his two businesses as well as our personal finances.
DECIDING:
How did I make the decision? Time and Money.
1. We only have so much sand in our personal hourglass. At 60 I can see that there is more sand in the bottom than the top. It is time to enjoy the sand that I have left.
2. I'm going to be a Grandmother, for the first time. And again....time....it goes by so fast. Do I want to spend my "sand" on shepherding my recalcitrant, balky and frankly ungrateful clients....OR do I want to spend time with my husband, grandchild, my daughter and her husband and my Father who just turned 82 (who also has a limited amount of sand left)
No contest. Family wins out.
3. Time. I haven't had time to do the things that I enjoy. Hobbies that I have let languish over the past 10 years of self employment. Cooking, Quilting, Painting, Gardening, Sewing, Knitting, playing my guitar. I am sooooo...looking forward to being able to exercise my artistic and creative side, instead of my analytical and managerial side.
4. Money. While most of my clients have done very well, even through this latest downturn and many have actually made money, I am just sick of dealing with everyone's problems. Holding hands. Trying to keep people from running off of the rails. Frankly.....I'm sick of most of my clients. One positive sign that it is time to quit.
5. Money. The fees and charges to doing business have gone up and up and up. A 25% increase next year for basic services from my Broker Dealer. Fees added to fees. Not to mention paperwork and compliance up the boo yang. Add in the office overhead, insurance etc. It was a no brainer.
So....I have moved my office to my husband's business. Upstairs above the workshop. Despite his whining that he is going to lose his 'man cave', he admits that it does look pretty nice, manly and .....bonus!!!.. I will be cleaning the office so that there aren't as many manly dead spiders, flies and cobwebs. Another bonus. I plan to set up a wet bar and get some nice recliners and a flat screen television so we can watch movies and just relax.
MOVING:
OMG. The pain of moving almost 10 years of office accumulation, files, supplies, decorations. And moving all of it UP a flight of stairs. I'll tell you one thing. After all these trips up and down the stairs carrying my end of the furniture and boxes of stuff......I will have buns of steel. Right now I feel like someone has kicked me in the rear.
Throwing away items. It is liberating!!. Anything to do with securites. Trash it. Have I looked at it in the last 2 years? Nope....trash it. How many of these pens, folders, whatevers do I really need? Trash half of them. Dumpsters full of trash.
ADJUSTING:
So far, the adjustments to retirement has been a bit strange because we have been so busy with moving and repositioning.
First thing to deal with is the idea that "I don't have to be anyplace at any particular time". I don't have to get up and be in my office at 8:00 am. My time is going to be my own!. At first I felt like I was shirking something.
I don't have to get dressed up into work clothing, which is for me heels, suits or nice pants outfits. Looking forward to the transition into more casual, less make up, less jewelry styling......while being careful not to transition into slob.
Because my time is NOT structured and I don't have multitudes of client obligations, right now, I feel like I should be doing something else. Something constructive.
I know.......I'll bake some bread and settle on a new knitting project, open a bottle of wine and sit in the easy chair and listen to some Coletrane, while the Dumbplumber is busy with his latest book and nap.
Ahhhh.... retirement. I think I can learn to like you.
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