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Yep, it’s scary and exciting and frightening all at the same time. I worried that I’d not have enough to to do. After all, I spent at least eight hours a day working. That worry lasted maybe two days. I’ve been retired eleven years and I always have plenty to do — and sometimes I do it! Can’t...

We are blessed to be headed to Iceland in about three weeks to “celebrate” one of my dreaded round number birthdays. Looking forward to volcanos, glaciers and maybe really cold diving. Then, in September, heading to Australia to run a half marathon over the Sydney bridge with a friend , travel...

We are lucky enough to have three great trips planned for 2019. March is Fiji, mostly for diving, but hopping around a few smaller islands and a home stay to get to meet more people a bit more. Then Iceland in late June with some friends (I’ll be having one of those “round number” birthdays...

A few years ago we stayed at Soria Moria Boutique Hotel( www.thesoriamoria.com) in Siem Reap and were very happy with it. Small hotel, good location, great breakfast and reasonable, although I don’t remember the exact cost. Three years ago we stayed in Montrara Happy House, Chiang Mai. Just...

We turn off data roaming and don’t answer any calls that we don’t know the caller. We send a few texts back home to to each other and pay the small amount for that. In an emergency (just once) we simply call and receive calls back home and then it’s worth the cost. We have never had extra...

Yep, you will always miss out on something wonderful no matter where you go or how long you stay. But you will most likely be rewarded by other wonderful and rewarding things, people and t you will see an experience. We like the middle ground of slower travel seeing a few places on each trip and...

Does it really have to be all or nothing either way? Maybe some nice new clothes and some older second hand clothes would be appropriate?

It does't seem that this calculation takes into account the extra value of potential earnings on earlier payments. Of course, if one spends all SS payments as you get them, the calculation shows at what ages you should start payments to maximize lifetime earnings. But if one takes the early...

Besides all the already mentioned great places, see if you can get to the monastery at Montserrat just outside of town and accessible by local transportation. Then you take a funicular (cog car up the mountain).