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Re: Introduce yourself here!
Old 12-28-2004, 01:31 PM   #221
 
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Re: Introduce yourself here!

Brat,

I currently see my parents on a very regular basis
since they and my only sibling all live very close to
us. They really enjoy having the grandchildren around.

I understand that a person's health can never be
guranteed. So I am already including my
parents in most of family vacations every year. As for
their wishes, since they uprooted their lives in their
late 40's, America is still a foreign land to them after all.
They certainly don't want to be living alone in some nursing home in FL. Neither do I or my sibling want that
to happen. Their children and grandchildren are pretty
much the center of their universe. They do go back to
the old country to visit friends & relatives, but have
no real desire to live there long term.

Regards,

dx
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Re: Introduce yourself here!
Old 12-28-2004, 01:31 PM   #222
 
Posts: n/a
Re: Introduce yourself here!

Brat,

I currently see my parents on a very regular basis
since they and my only sibling all live very close to
us. They really enjoy having the grandchildren around.

I understand that a person's health can never be
guranteed. So I am already including my
parents in most of family vacations every year. As for
their wishes, since they uprooted their lives in their
late 40's, America is still a foreign land to them after all.
They certainly don't want to be living alone in some nursing home in FL. Neither do I or my sibling want that
to happen. Their children and grandchildren are pretty
much the center of their universe. They do go back to
the old country to visit friends & relatives, but have
no real desire to live there long term.

Regards,

dx
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Re: Introduce yourself here!
Old 12-28-2004, 01:32 PM   #223
 
Posts: n/a
Re: Introduce yourself here!

Brat,

I currently see my parents on a very regular basis
since they and my only sibling all live very close to
us. They really enjoy having the grandchildren around.

I understand that a person's health can never be
guranteed. So I am already including my
parents in most of family vacations every year. As for
their wishes, since they uprooted their lives in their
late 40's, America is still a foreign land to them after all.
They certainly don't want to be living alone in some nursing home in FL. Neither do I or my sibling want that
to happen. Their children and grandchildren are pretty
much the center of their universe. They do go back to
the old country to visit friends & relatives, but have
no real desire to live there long term.

Regards,

dx
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Re: Introduce yourself here!
Old 12-28-2004, 01:32 PM   #224
 
Posts: n/a
Re: Introduce yourself here!

Brat,

I currently see my parents on a very regular basis
since they and my only sibling all live very close to
us. They really enjoy having the grandchildren around.

I understand that a person's health can never be
guranteed. So I am already including my
parents in most of family vacations every year. As for
their wishes, since they uprooted their lives in their
late 40's, America is still a foreign land to them after all.
They certainly don't want to be living alone in some nursing home in FL. Neither do I or my sibling want that
to happen. Their children and grandchildren are pretty
much the center of their universe. They do go back to
the old country to visit friends & relatives, but have
no real desire to live there long term.

Regards,

dx
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Re: Introduce yourself here!
Old 12-28-2004, 01:34 PM   #225
 
Posts: n/a
Re: Introduce yourself here!

Brat,

I currently see my parents on a very regular basis
since they and my only sibling all live very close to
us. They really enjoy having the grandchildren around.

I understand that a person's health can never be
guranteed. So I am already including my
parents in most of family vacations every year. As for
their wishes, since they uprooted their lives in their
late 40's, America is still a foreign land to them after all.
They certainly don't want to be living alone in some nursing
home in FL. Neither do I or my sibling want that
to happen. Their children and grandchildren are pretty
much the center of their universe. They do go back to
the old country to visit friends & relatives, but have
no real desire to live there long term.

Regards,

dx
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Re: Introduce yourself here!
Old 12-28-2004, 01:35 PM   #226
 
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Re: Introduce yourself here!

Hello DX! Your post was very sensible and readable.
If someone gave me your 2MM (after taxes), I still would not live anywhere near the NYC suburbs, or NYC itself,
obviously. Can hardly imagine anything worse. But,
if it works for you, then that makes me happy (for you). BTW, this is another area where Ayn Rand and I part
company. She loved the big cities. I avoid them like the plague.

JG
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Re: Introduce yourself here!
Old 12-28-2004, 01:35 PM   #227
 
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Re: Introduce yourself here!

Sorry about the dupulicate posts...my browser
malfunctioned.
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Re: Introduce yourself here!
Old 12-29-2004, 06:49 AM   #228
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Re: Introduce yourself here!

Hello

I've been lurking for several months and have found this board to be very interesting. I live in Ottawa, Canada (I hope John Galt is going to be kind when he finds that out ).

The trivia buffs should know that Ottawa is the second coldest capital city in the world. As well, the world's longest skating rink (also known as the Rideau Canal) is scheduled to open soon. The politicians are all on vacation so there is no hot air to help warm us up.

Not sure I will ER since I am already 57, still working and still saving for retirement. I'm a self-employed consultant and have a current net worth around 1.1 million in Canadian funny money. That includes registered retirement plans and a mortgage free house. My wife does not work and the two kids are both married and doing OK. We have aging parents who so far have been managing for themselves.

I'm looking forward to finding out from other Canadians how they are doing in retirement or in their planning for retirement.

Happy New Year!
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Re: Introduce yourself here!
Old 12-29-2004, 07:06 AM   #229
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Re: Introduce yourself here!

Welcome Trolleydriver! Always nice to hear from a fellow Canadian! I live in Calgary with hubby and two dogs...no kids yet. I've only been to Ottawa once but I remember it being beautiful.

I'm sure you'll find this board very informative and the regular posters are great to get info from!
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Re: Introduce yourself here!
Old 12-29-2004, 01:26 PM   #230
 
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Re: Introduce yourself here!

Hi JG,

If I had a choice, I'd live somewhere within reasonable
distance to a major metropolitan city for all the benefits
a city provides, such as arts, culture and food, etc. yet
far enough not to have to deal with traffic, subway and
masses of people like I have to in my daily commute.

Regards,

dx

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Re: Introduce yourself here!
Old 12-29-2004, 01:34 PM   #231
 
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Re: Introduce yourself here!

Quote:
yet
far enough not to have to deal with traffic, subway and
masses of people like I have to in my daily commute.
Don't forget; When you retire you won't have a commute.

One of my guilty pleasures in the winter, is staying home during a snowstorm and watching all the car accidents on TV with a Pot of Coffee
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Re: Introduce yourself here!
Old 12-29-2004, 02:41 PM   #232
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Re: Introduce yourself here!

Welcome Trolleydriver! I am also from Ontario and live south of Hamilton near Cayuga and have been on this board for about six months. I am 51 and plan to retire in the next year or two. I always thought I would work till I was in my late fifties but changed my mind a year or so ago and am just making sute the numbers will work the way I want. I turn 52 in September and may pull the plug then. Networth is about $500,000 all but $160,000 in real estate. I will have a pension and will clear $2200 monthly from it and have about $400 monthly clear from rental income.

If you are not going to retire perhaps you could cut back to part time. In some ways I wish I could go to part time for a few years but with my occupation it is all or none.

Bruce
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Re: Introduce yourself here!
Old 12-29-2004, 05:25 PM   #233
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Re: Introduce yourself here!

Welcome trolleydriver. I am a 55 year old Albertan currently on ex-pat assignment in Houston. Calgary is my designated home location despite having only lived there a total of 17 years on 3 different occasions.

Spouse and I kept an investment property in Calgary because of the rising real estate prices. We do not have any parental financial obligations to our adult children although we choose to help them out a bit financially as they get their careers established. We could afford to retire quite easily today on income from our investments and my DB pension based on disciplined investing and saving, moderate spending, and minimizing debt. Our only debt over our working lives was a house mortgage which we had paid off many years ago.

However, I plan to retire May 2006 with that particular milestone based on: 1) desire to reach a 35 year milestone of working in the energy industry, 2) milking this ex-pat assignment as much as possible for its extra monetary benefits, and 3) pleasing my spouse who loves living in our current location. All of that could change if the company wanted to send me on a new 2-3 year assignment or I got a new boss I disliked. So maybe I am really on a 30 day rolling forward retirement date.

You will find a lot of great information on this Board, most of which is also applicable to Canadians (things like IRA's, etc notwithstanding). I find the social and mental related materials of most use for that reason. Also consider participating in the Canadian www.wealthyboomer.com site which has quite useful forums (finance and otherwise).
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Re: Introduce yourself here!
Old 01-03-2005, 05:50 PM   #234
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Re: Introduce yourself here!

Thanks for the many welcomes. Hope you all had a great time during the holidays and all the best for 2005.

Calculated the annual return on my investments for 2004. I'm not impressed with the 7.5%. Got to do better going forward.
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Re: Introduce yourself here!
Old 01-05-2005, 10:15 AM   #235
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Re: Introduce yourself here!

Hello Everyone,

I am 55 and my husband is 62. He retired last week and I am planning on being retired by March. I recently found this forum and I am enjoying reading everyones experiences and comments.

I am going thru quite a emotional roller coaster concerning leaving my job. I want to, but something in me just doesn't want to pull the plug. Money is not the problem, we should have more than enough, but yet I can't bring myself to walk away. I think it's that old security thing. I have worked since I was 15 years old, what in the world will I do without working? I would appreciate comments of others who may know what I am going thru.

My husband and I live on a large lake. We have recently downsized from a large city home to our second home. We have had the second home for almost 5 years and we love this area. We live 60 miles from the big city where we had lived for most of our adult lives. The kids are in the area.

I don't know why I just can't turn loose and enjoy....
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Re: Introduce yourself here!
Old 01-05-2005, 10:52 AM   #236
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Re: Introduce yourself here!

Work is both an economic and a social activity.

My husband and I were talking last night about what happened to his parents after they retired to a lake about 60 miles from the city where their children lived (you aren't in Oregon, are you?). She was very social and they spent a lot of time commuting to their social groups in town. When he got sick their life became very complicated. After he passed away she couldn't leave their dream home on the lake and continued the driving. When it came time to sell she found that their home wasn't easy to sell.

You already have the house on the lake and doubtless it is beautiful and your husband is busy fishing and keeping it up. Now think about hou you will spend your time when you retire.
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Re: Introduce yourself here!
Old 01-05-2005, 11:18 AM   #237
 
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Re: Introduce yourself here!

Hi LakeRat! Although I suffered no such angst myself,
I can think of many reasons why it might be difficult
to "pull the trigger". I am 60. My wife is 55. Right now
I have no idea when she will retire. Doubt that she does either. I know she likes having her own income
(an independence thing). It makes sense to me, so
I don't try to nudge her one way or the other. It's
her decision mainly. The only problem is that she is tied to a
job while I am free to come and go.

JG
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Re: Introduce yourself here!
Old 01-05-2005, 04:15 PM   #238
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Re: Introduce yourself here!

Hi JG and Brat,

I guess I am just having to work through all of this. We have had lots of change in the last few months and I am such a creature of habit that I guess I have been knocked a little off balance. I am just hanging on to the statis quo even though I want to let go so bad! I am not in love with the job, I am just having a hard time with walking away. I guess in all honesty I never in my wildest dreams expected to make the salary that I have been lucky enough to earn. I feel guilty about walking away from the money, even though I know that I can survive quite well with out another paycheck.

Brat, as I said in my original post we have had our lake house for almost five years. We have met a number of people in the community during that time. I have already gotten involved with some group activities for the winter down time. During the summer it is busy around here. We are very lucky that we have many wonderful neighbors who are here during the summer months, but kind of evaporate back to the city in the winter. This is party central during the spring and summer. And by the way, I'm in Texas. Texas native, married to a great guy from California. (He got here as fast as he could.) We love the lake life, but if anything happened to my husband, I would wave bye bye to the lake and be back in town as quick as I could get the Uhaul loaded.

I am amazed at how easy my husband walked away from his job of thirty years. He seems to have just closed the door on his past life and opened the next. I wish it were that simple for me.

Any suggests, deep breathing exercises, affirmations, etc. that anyone can offer, please.... help me make the decision to cut the cord. :P

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Re: Introduce yourself here!
Old 01-05-2005, 04:38 PM   #239
 
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Re: Introduce yourself here!

Quote:
...I am just hanging on to the statis quo even though I want to let go so bad! I am not in love with the job, I am just having a hard time with walking away.
How about setting some goals and planning a few fun projects you can enjoy during retirement? Rather than framing retirement as "walking away" from your job, you would be more motivated if you view the process as progressing towards a better life.

Ernie J. Zelinski's book "How to Retire Happy, Wild, and Free" addresses this aspect very well and is discussed in another thread.
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Re: Introduce yourself here!
Old 01-05-2005, 04:44 PM   #240
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Re: Introduce yourself here!

Parnass,

Thanks for your reply. I am going to find that book and start reading....
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