Retirementally Challenged

Sharks circling the mailbox

Like many retirees, my husband and I have been focused on getting rid of the clutter around our house. Over the years we have managed to collect a lot of stuff; stuff that is no longer relevant to our lives. But, as we continue to offload piles of things we’ve acquired over the years, there continues a flood of unwanted and useless stuff through our front door, via the U.S. Postal Service. Despite our best efforts to keep on top of it, we often find ourselves drowning in annoying junk mail.

In addition to the grocery store flyers, coupon mailings, and offers of various types of insurance coverage, most of the remaining useless pre-trash fits into one of the following categories:

Let us help you acquire more debt

Amid the destruction and turmoil the 2007-2008 financial crisis caused, we found one small ray of sunshine peeking through the rubble: no more unwanted credit card offers junking up our already junky junk mail. Although nothing had changed about our personal credit-worthiness, all of the various banks, retail chains, airlines, etc. suddenly went silent. They no longer were anxious to offer anyone with a pulse the opportunity to accumulate debt by applying for their credit cards. When the economy melted it was as if a spigot had suddenly been turned off and we were grateful for the reprieve.

Unfortunately, judging from the mail that we have been receiving lately, that reprieve is over. Almost daily it seems that we get multiple offers of cards that will earn us airline mileage, free hotel stays, or cash back on specific purchases.

Just as they did before the financial meltdown, these offers go straight to the shredder. We have the cards we need (just one and a back-up) and we probably aren’t the kind of customers they want anyway since we pay our balance off each month.

Even though you already gave, please give us more

Also junking up our mailbox are donation requests from charitable organizations and non-profits that we already give to. It’s not unusual to send in our annual membership fee and, just a few months later, receive another mailing that looks surprisingly like an annual membership fee request. We have started to keep a spreadsheet listing the organization, what we gave, and when we gave just so we can keep everything straight.

You’d think that these organizations could save a ton of money by just mailing once a year, but obviously these ongoing solicitations must work or they wouldn’t send them. It bothers me to think that these organizations I think so highly of have, as part of their fund-raising tactics, a strategy to fool people into making more than one “annual” donation.

You have several years left on your magazine subscription but how about paying in advance for several years more?

Magazines have been employing the scheme of multiple solicitations for ages. Although I’ve cut way back on my subscriptions, I still receive a few print magazines. Choosing the multi-year subscription option will usually save money but I’ve also found that it gives them more chances to send annoying and confusing solicitations. Long before my subscriptions are up, I start to receive requests to renew, extend, and send gift subscriptions to friends.

And, these are just those mailings from the magazine company. Often magazine sales companies – with no connection to the actual publisher – try to trick subscribers into re-ordering their magazines through them. These are the mailings that are made to resemble legitimate renewal notices or even invoices. I’m fortunate to live in a state that requires magazine companies to disclose the current subscription end date on their renewal notices, but they do their best to camouflage them.

As annoying and wasteful as this type of mail is, I worry about a time in the future when my husband and I may be less able to keep track of what is legitimate and what isn’t. When I took over the management of my father’s household and finances as his health declined, I was shocked by the number of sharks ready to feed on those most vulnerable. Without an honest and diligent gatekeeper, it’s easy to get eaten alive.

Looking forward through the rear-view mirror

I began this blog almost a year-and-a-half ago, just about 6 months before my retirement date. I’ve always enjoyed writing and I knew I wouldn’t have many opportunities outside of work unless I created them for myself. I subscribed to several blogs so starting my own blog seemed like a great way to do this. Deciding on my blog’s focus was easy; I was headed into a big unknown. I wasn’t sure what my personal retirement would look like – I had some ideas, but no real plan of action – so I wanted to explore the social and psychological aspects of retirement as well as learn from others who had gone before.

Originally, I envisioned writing posts several times a week. I had lots of ideas for topics and I figured spending an hour or two each week writing, formatting, and posting would be easy peasy. Soon, after realizing I was being much too optimistic about the time commitment, I dialed my expectations back to once a week. Now, a couple of posts a month has become the norm.

I still enjoy writing and I still have ideas for topics, but, because the perfect words don’t just flow out of my brain onto the screen, each post takes much longer than it probably appears it should have. I am the queen of edits and re-writes.

WordPress does a lot to encourage regular posts by offering a multitude of tutorials, challenges, and prompts. In addition, established bloggers invite others to join in on photo and writing challenges of their own. Last fall, I took part in WordPress’s Photography 101 challenge. It turned out to be a great way to share my photos of the Hawaiian vacation that coincided with the challenge and I managed to gain more followers because of my participation. Although I think these prompts and challenges can be quite helpful and fun to take part in, I find that, at least for my blog, they can dilute the main message and take the focus off what I want my blog to be about – life in retirement.

I will be celebrating my first retireversary next month and I am pleased to report that it’s going quite well. My husband and I have completed a few house projects, we’ve done some traveling and plan do a lot more, and we are discovering the joys and challenges of spending so much time together and being the masters of our own schedules.

I look forward to continuing this blog and I hope that I can be much more regular with my posts. I really appreciate everyone who stops by to read what I have to say, and I am especially grateful to those who take the time to add comments.

Although my blog is ultimately about retirement and “learning to navigate through my post-work world,” I imagine that it will morph a bit as time goes on, just as my life will change. There is so much to do, creative outlets to explore, and social interactions to enjoy. I want my blog to reflect all of this and more.

Is this when the wheels start to come off?

I have a friend who is battling colon cancer. She has undergone several series of chemotherapy over the past year and has yet to receive an “all clear” diagnosis from her doctors. Each time she thinks she is done, they’ve found new reasons for concern. After completing her last round of chemotherapy, she is now in a wait-and-see holding pattern and we are all cautiously optimistic.

Another friend is currently undergoing chemotherapy for Lymphoma. She is one month into her treatments and after another 4 – 5 months her doctors will do another evaluation. She is getting a lot of support from her husband and friends, and we are cautiously optimistic about her outcome.

A neighbor who is also a good friend had a mastectomy a few years ago when a small tumor was discovered in her left breast. Recently, during a routine follow-up with her oncologist, it was discovered that her HCG levels were unusually high. High HCG levels are normal in pregnant women; high levels in a non-pregnant woman can be an indicator of ovarian cancer. She will get her test results later this week and her friends and family are cautiously optimistic that she will get a clean bill of health.

Then, just the weekend, I called a friend that I’ve known since grade school regarding an upcoming get-together. She told me that her attendance was up in the air at this time because her husband was recently diagnosed with severe Myelodysplastic Syndromes (MDS), a bone marrow disorder. In general, the prognosis for patients with advanced MDS isn’t encouraging, but she is doing her best to maintain a cautiously optimistic perspective for her husband and her family.

These four medical challenges are not the only ones faced by friends and acquaintances; I know a few who have battled cancer and won (at least for now) and several others who are living with MS and other long-term health issues. But, these are the most recent and I can’t shake the feeling that there seems to be an uptick in the number of serious diagnoses received by friends, friends of friends, and their family members – all close to my age.

In general, when we reach retirement age, we are focused on our finances and our emotional well-being. Many also realize that it is important to exercise regularly and eat a healthy diet. When we think about the future, our concern is often how to ensure adequate care in our advanced age. I don’t think most of us put a lot of thought into facing an early death – of either ourselves or our loved ones.

A recent article in the New York Times titled Why Everyone Seems to Have Cancer discusses how cancer is slowly overtaking heart disease as the number 1 cause of death. Due to an increased focus on the benefits of exercise and a healthy diet, and the availability of medications to control blood pressure and cholesterol, heart disease is less likely to affect someone between 55 and 85. Because of the way cancers develop (over time, due to errors in cell evolution), just the fact that we have lived a long time makes us susceptible to these cell mutations.

Although there have been a lot of strides made in the treatment of some cancers, preventing it in the first place seems to hold the most promise. Governments do this by improving sanitation, regulating and banning certain toxins, and promoting research and the development of vaccines. On the individual level, we can make sure we pay attention to what we eat and get plenty of exercise to keep our weight at a healthy level, stop smoking – and if you don’t smoke, stay away from second-hand smoke, and avoid excessive sun exposure. Of course none of this is a guarantee: not one of the four friends mentioned at the beginning are overweight or have poor eating habits, they don’t smoke, and none of their cancers resulted from too much sun exposure.

I’m not sure what the takeaway from all of this is. I don’t want to live my life in fear of what could be waiting around the corner. I am fair-skinned but I love the being outdoors, so I slather on SPF 50 and go out and enjoy myself. Although I’d love to be able to encase my husband in bubble wrap when he goes on one of his routine 50-mile bike rides, I know I can’t. We both try our best to avoid unhealthy food but, sometimes, something bad is just the thing that makes us feel so good.

So, we do our best. We try to get as much out of this life that we can, love the people who we hold close as hard as we can, take as good care as we can of our frustratingly aging bodies and minds, and always strive to treat others with patience, kindness, and respect.

We remain cautiously optimistic about the future.

Bears Sighted in Cuba

“We have to get to know each other better, it makes us understand one another better, trust each other more, and live together more peacefully”

– Motto for the United Buddy Bears, an international art exhibition promoting peace among nations.

Buddy Bears in San Francisco de Asis Plaza — Buddy Bears in Havana’s San Francisco de Asis Plaza

We were very fortunate to be in Cuba when the United Buddy Bears were being displayed at the San Francisco de Asis Plaza in Havana. The brightly painted fiberglass bears represent the over 140 countries recognized by the United Nations and are designed to promote peace, tolerance, and international understanding. They stand hand to hand to represent the people, culture, history, and landscape of the different countries, not the political systems.

The design on each bear was created by an artist from the individual countries and, no matter how large or small, or rich or poor each country is, they have the same size bear and are equal in standing. It was interesting to see how the various artists choose to represent their country – many were quite beautiful, some (including Cuba’s) were a little humorous, and others inspiring. All were fascinating.

The bears were first exhibited in Berlin in 2002/2003, before moving on to Austria in 2004. They have now been shown in over 23 countries, including Hong Kong, Japan, Australia, Egypt, Israel, Argentina, and India.

In March, the United Buddy Bears leave Cuba for their next destination, Santiago de Chile. I tried to determine if they were scheduled for a stop in the United States, but was unable to find anything. I hope they will not only be displayed here, but will also be embraced with the same generous, open-hearted spirit they have found elsewhere.

Cuba: A Nation Rich in History

On the morning of our second day in Cuba, we were treated to an unexpected scene in downtown Havana. In celebration of Jose Marti’s birth date, hundreds of school children paraded down the avenue next to our hotel. Many of them were in costume, some held signs or flags, and all participated in vigorous chants led by their adult supervisors. It was the first of many times on our trip that I wished that my Spanish was better but even so, the pageantry and the sweet, earnest faces of the children was a joy to watch.

School children celebrating Jose Marti's birthday — School children celebrating Jose Marti’s birthday

Statue of Jose Marti in Havana's main square — Statue of Jose Marti in Havana’s main square

Jose Marti is a Cuban national hero for his role in the struggle for independence from Spain in the 19^th century. His writings, including poems and essays, promoted liberty and political freedom. His dedication to Cuban independence – including sovereignty from the United States — and his fight against slavery and racial discrimination is honored throughout Cuba with statues and celebrations like we were fortunate to witness.

After watching the parade, we took off on foot to discover other sights of Havana, including the capitol dome (currently undergoing renovations), magnificent old buildings in various stages of decay, and the entrance arch to a long-gone Chinatown.

The rest of the day included a tour of the Necropolis de Colon, one of the largest cemeteries in the world, a private talk given by Roberto Salas’ about his stint as Fidel Castro’s private photographer in the 1960s, and a tour of ceramic artist Fuster’s amazing compound in which he has created a spectacular and joyful “Homenate a Gaudi” (“Homage to Gaudi”).

Havana is a photographer's dream — Havana is a photographer’s dream

Necropolis de Colon cemetary — Necropolis de Colon cemetery

It is easy to see how the artist Fuster was inspired by Antoni Gaudi

No day in Cuba is complete without a cool dude and an even cooler car

Cuba: Separated from the U.S. by 90 miles and 50 years

There are many reasons why the tiny nation of Cuba had such a huge hold on my imagination for so many years. Some of the lure was the image I had of a country frozen in time; most of the buildings, infrastructure, and automobiles pre-date 1961, when the United States began its trade embargo. What I knew of the culture and the people was also appealing; I’ve always been attracted to the Latin ethos, perhaps because it contrasted so strongly with my plain vanilla self. And then there’s the arts – especially the music and the dancing – which had a special hold over me.

Just a few years ago, traveling to Cuba as a U.S. citizen would mean breaking the law. The travel ban was relaxed somewhat in 2009, which allowed Cuban-Americans to travel freely to Cuba. When, in 2011, “people-to-people” visits were sanctioned so other U.S. citizens were able to travel to Cuba, albeit with certain restrictions, I started to research my options. I hoped to find a tour that had a good mix of organized excursions and unstructured free time so we could explore our surroundings on our own. Last October, when I found one that fit my requirements, I signed up for the next planned trip without hesitation.

Very early on the morning of our departure, a group of 18 mostly strangers gathered together, visas in hand, in the Charter Airline terminal at Miami airport. Exhausted but excited, we began the process of getting to know one another as we made our way through the series of steps necessary for U.S. citizens to travel legally to Cuba. About 2 1/5 hours after we arrived at the airport we boarded our plane for the short flight to Havana’s Jose Marti Airport.

When we landed and I stepped off the plane onto the tarmac, I could barely contain my emotions. I had dreamed of this moment for so long it was hard to believe that I had finally made it. I was in Cuba!

After making our way through immigration, retrieving our bags, and going through customs, we exchanged dollars for CUCs and we were on our way. Our first day’s agenda included a short orientation walk in Old Havana, lunch, and a tour of the Havana Club Rum Museum before checking into our hotel in downtown Havana.

Taxis wait for passengers in front of the airport

The first of many government-sponsored billboards and murals we saw

Stringing Together the Florida Keys

Because our journey to Cuba would be launched from Miami, my husband and I had an opportunity to fulfill another long-held desire: to drive the scenic coastal highway along the Florida Keys. Although we had been to Florida several times before, we had never tacked the time onto our vacation necessary to make the journey. This visit though, we added a few days to explore the area, which had the additional benefit of allowing us to acclimate ourselves to the three-hour time zone difference before we reached our main destination.

Although I was aware that the Keys – and especially Key West – had become a bit of a tourist trap, I still wanted to see them for myself. I was intrigued by pictures of turquoise waters and distinctive architecture, fascinated to read about the time Hemmingway spent in Key West, and inspired by the romance of the many songs written about this beautiful necklace of islands along the coral archipelago.

There are more than 800 islands that make up the Keys but fewer than 50 of these are inhabited (“Key” is derived from the Spanish word Cayo which means small island). The Overseas Highway that stretches from Key Largo to Key West is a series of causeways and bridges — including the spectacular Seven Mile Bridge – and provides plenty of vistas along the way. It was built to replace the Overseas Railway that was constructed in the early 1910s and then destroyed by a category 5 hurricane in 1935. It takes about 3 – 4 hours to drive the 110 mile route, depending on traffic and the number of stops needed to admire the scenery and, of course, to grab a cheeseburger in paradise.

We only had two days set aside for our visit and, looking back, we should have allowed for more. There is a lot to see and do on these beautiful and captivating little islands.

Hemmingway's house and museum is home to 40 - 50 polydactyl (six-toed) cats — Hemingway’s house and museum is home to 40 – 50 polydactyl (six-toed) cats. If you look closely, you can see Truman’s “thumb”

The study in Hemmingway's Key West home — The study in Hemingway’s home, where it is said that he wrote “To Have and Have Not,” a novel about Key West during the Great Depression

In Key West a marker indicates the southernmost point in the continental U.S. (just 90 miles from Cuba!)

Sailing into the sunset off the shores of Key West

The crowd at Mallory Square gathers to watch the sunset — The crowds at Mallory Square gather each night to watch the sunset

After the sun set, the crowd applauded and disbursed, unaware that the best part of the sunset occurs several minutes after it disappears below the horizon

Kicking the Bucket List

Ever since the film “The Bucket List” came out in 2007, the phrase has become a part of the American vernacular. Whether or not the term pre-dates the movie, I have no idea, but it seems that now just about everyone has made some type of bucket list. It might be a list of things they want to do before they “kick the bucket” or it could be a list of places to visit or goals to achieve before a specific end time (going off to college or getting married, for instance).

When I first heard the term I thought it was a clever, light-hearted way to describe a list of experiences to be had and dreams to fulfill. I’ve used the phrase many times myself but, lately, what used to sound clever now strikes me as trite. In many cases, “Bucket List” trivializes the passion, desire, and curiosity that helped to create the collection of destinations and dreams I would like to pursue while I am still able to do so. These are not merely items on a to-do list to be checked off as I flit from one to the next, but real experiences to be lived and savored.

Recently, I was able to fulfill a dream I have had for as long as I can remember: travel to Cuba. I’m not sure what planted the seed of desire in me, but I have fed and nurtured it for many years. I’ve collected articles, accumulated books, and closely charted the political winds as they have raged, then calmed, then raged again, carrying my hopes with them. As close as Cuba is – just 90 miles from the tip of Florida – it might as well have been on another planet because of the travel restrictions placed on U.S. citizens.

Then, last fall, the right opportunity presented itself and we immediately said “yes”! The person putting the trip together had experience, passion, and a great sense of fun and adventure. We’ve never been interested in traveling with tour group before, but this one promised just the right combination of group time and free time. It would give us the opportunity to see parts of the country, learn about its culture and history, and have experiences that we would find very difficult to realize on our own.

All of the arrangements were made before President Obama’s December 17 announcement of the beginning of normalizing relations between Cuba and the United States. When we heard of the impending thaw, we were so grateful that we would see Cuba before the travel restrictions were lifted. We wanted to see Cuba before it is irreversibly altered by the deluge of American tourists that are sure to come once diplomatic relations are reestablished.

A few weeks ago, my husband and I flew to Miami to begin what would feel like a journey on a time machine, back to the late 1950s, before the U.S. imposed a trade embargo on this tiny island nation.

Key West: Separated from Cuba by 90 miles and 50 years

Verizon: Can You Hear Me Now? You are Fired!

Although we are in the fortunate position of not having to count pennies now that we’ve retired, my husband and I have been looking for ways to save money on our monthly bills. What we don’t send to the phone, internet, cable, water and other utility companies, goes into our savings and can be spent on better things like travel, dining out, and entertainment.

The first change we made was to install drought-tolerant landscaping. Not only is our yard more interesting visually, we no longer need to water a thirsty lawn.

We’ve also ditched our landline. It seemed wasteful to pay over $30 each month for a phone that remained silent much of the time, except when it became a conduit for telemarketers and political campaign workers to reach out and annoy us. Since we make and receive most of our calls using our cellphones, that was an easy decision to make.

When we made this switch, we still wanted the option to direct certain calls to a number other than our cellphones so we bought an Ooma internet-based phone system. After the initial purchase price, we now pay only applicable taxes and fees, which has been less than $4 each month.

Now, we are getting ready to say goodbye to our cellphone service carrier, Verizon. We don’t use a lot of data (we currently share 2GB but never use even close to that), and our talking and texting is on the low-side, so our current monthly bill of $130 (plus taxes and fees) for two phones seems high. When our 2-year contract recently expired, we visited a Verizon store to find out what our options were. We knew that the major service carriers were feeling pressure from the smaller start-ups so we hoped to get a better deal.

We were disappointed to learn that Verizon’s “deal” involved the mandatory purchase of new phones and then monthly charges to pay off those phones. Even though they claimed that we’d no longer be on a 2-year contract, the new phone would be paid off at the end of – surprise! – 24 months. After that, the monthly installments would be removed from the bill and we could either keep our now fully paid for phones, or purchase the latest wiz-bang phone and start all over again. Um, no thank you.

Thinking that we could do better, we went in search of a carrier that offered decent coverage, a no-contract option, and one where we could keep our current, perfectly good phones. We found that there are quite a few smaller carriers out there and they all offer slightly different plan options. When comparing plans, we found that it’s important to accurately estimate current and (as much as possible), future data and minutes usage, and understand the carriers’ cell coverage.

After some research, we settled on the carrier that Consumer Reports and PC Magazine have rated #1: Consumer Cellular. Based on our usage and because we can continue to use our existing phones, the new monthly bill will be about $60 for our two phones. If (when) in the future we decide to upgrade our phones, our option would be to purchase the phones outright or pay for them in monthly installments. But, for now, we are happy with what we have… and saving $70 every month.

Next on our agenda is to see how we can say goodbye to our satellite TV bill. We aren’t completely sure how streaming and/or accessing digital content works, but I’m confident that we can figure it out. In addition, we are exploring ways to lower our internet bill (how did it get to be more than $50 per month??).

59 Candles

I hate my birthday. Actually, it’s not so much my birthday – as a child, I loved the attention and getting presents – it’s the month that my birthday falls in that I dislike.

Growing up, I was always so envious of my friends who had birthdays in late spring and summer. They got to have beach parties, and pool parties, and parties in the park. Because my birthday is in January, my parties always had to be held indoors. It was cold outside and sometimes wet; not exactly party weather.

Not only is my birthday in what is often the coldest month of the year, it is in early January… just days after the holidays. I can’t tell you how often I’ve heard a version of this joyful birthday greeting: “Oh great, it’s your birthday. Jeez, we just had Christmas and now I have to think about your birthday?” Um, sorry?

Fortunately, my parents always made a big deal about my birthday, just as they did for my two brothers. I never had to open a combined Merry Christmas/Happy Birthday gift or was made to feel that the timing of my birthday was inconvenient (after all, it was kind of their fault, right?). In fact, it was the year they forgot my birthday that I knew something was terribly wrong and my brothers and I needed to step in and become their vigilant care givers.

In just a few days, I will enter the final year of my fifties. The year I turned 29, 39, and even 49, didn’t have much significance for me. Those 365 days ticking down to my next decade didn’t seem like they were leading to anything terribly transformative. For some reason, 59 feels different.

According to several dictionaries, “middle age” is considered to span between the ages of 40 and 60. Before turning 40, a person is considered to be a “young adult.” Once that person turns 60, according to the definition, he or she has now reached “old age.” OLD AGE?? I can’t speak for everyone in my age range, but I certainly don’t feel like I’m just one short year away from being of “old age.” I have a lot of friends who are several – some who are many – years older than I am and I don’t consider them to be of “old age” either. Some are still working and some are retired. They travel, they volunteer, they are involved with their families, friends, and their community.

I wonder if we need to create another definition for the years after 60. I’m not in denial that, at some point in the future, “old” will be an apt description of my age, but it sure isn’t what I’d define myself as being now, or a year from now, or, I hope, for many years to come.

Over the next 365 days, I might put some thought into coining a new phrase to describe the years following my 60th birthday. Even better, I think I’ll just continue to be active, engaged, creative, and connected, and let my reality define my age.