Monday, December 24, 2018

To All My Readers Who Made This Dream a Reality

Thursday, September 6, 2018

Practicing Retirement

It was a normal afternoon in mid-July and the phone rang. Like usual, I ignored it expecting for my husband to be calling and telling me that he was working late - sigh - AGAIN!.  The company for which he works has used the generous tax break awarded to them in the last few days of 2017, to go on a massive upgrade of equipment and infrastructure, most of which the maintenance crew must install. My husband is a senior (translation: oldest) member and tends to be the equipment whisperer, often sticking with a project long after quitting time.  It had become commonplace for him to work 6 days a week and a minimum of 50 hours. But this phone call was something totally different.

"They are taking me to the emergency room. I have been in an accident," squeaked the voice into the answering machine. I could tell from the high pitch and rapid words coming from my normally stoic husband that this was more than just a precautionary measure.

"What! Wait a minute. What happened?" I countered as I picked up the receiver to ask a million questions.  Yes, they were on their way to the emergency room and it was only his little finger but there had been lots of blood and they couldn't tell what the damage was.

Six hours and two emergency rooms later, the old boy came home with this tiny bandage and a couple of prescriptions. What was going on here?  The last time he had been injured on the job his whole right hand had been scratched and chewed like a piece of old meat.  What was the deal?

Two days later when the orthopedist examined him we realized this was not going to be a go-back-to-work-in-a-few-days situation  This was going to be a six week practice run for retirement - an experiment of sorts to see what it was going to be like for a man who had worked since he was 16 years old and had answered to someone else's authority for most of those 40 plus years.  All I could do was laugh although you could tell he was not so thrilled about the prospect of staying home with me for that period of time.

A year earlier, I had left teaching on sick leave in the middle of the year and not returned.  It had been a rough transition for me and I expected it to be an even rougher one for him. So, we are taking this opportunity to pass on some advice to those who may find themselves looking at retirement in a few years and not sure how to approach it.

1. Expect to Grieve A Little

While I had my "honey-do" listed primed and ready, my husband's reaction was something more than embracing a chance to do all those things we never seemed to have time for. My husband was lost.  Time off before had been a chance to rest, relax and do what he wanted to do.  Now there was no routine, too much sleep, endless television and the reality that this could be a couple of decades of endless 'freedom'. That became a scary event.  He missed his co-workers. He missed the solitude of the drive to and from work, He missed the hard work and someone needing his expertise.  He had lost something important and for a few days he just thought about that lost and how it could impact his future.  I realized myself a year before that it while I was relieved on one hand, there was a hole in my life. It takes time to fill that space but giving yourself time to do so will make the rest of retirement much happier.

2.  Make Budget Adjustments Prior to Retirement

Regardless of how well you plan for retirement, there will be a shift in how your budget works. If you have been a household of weekly paychecks like ours, suddenly going to monthly benefit checks can be an upheaval.  Even for our short practice session, payments had to be changed. my suggestion is to pay bills ahead to give your budget a chance to ease into the change.  Ideally, you have reduced or paid off all debt but sometimes that isn't possible. Keep your future budget in mind as you consider any large purchases and refinance options. Remember - just because the bank says it is a good idea, doesn't mean it will be right for your future self.  Retirement income does not generally increase over time and even good planning can't keep unexpected events from happening. Be cautious. 

3. Don't Expect Great Changes to Come - Ever!

Like many people our age, we have been planning and talking about retirement for what seems like forever.  We have talked about traveling. We have talked about health issues, We have certainly talked about money and we have talked about ways to fill the gaps that will certainly be there.  Both my husband and I are/were happy in our jobs.  We liked working.  Without that structure in our lives, neither one of us does well. Somewhere about week three of this trial retirement, I realized that retirement could not be that much different than work life for my husband.  It was then that we put some of his work habits into practice at home.  After 40+ years of living with the same type of routine, the chances of us ever doing anything different just increases our chances of being frustrated and unhappy. Yes, we will travel.  Yes we will work less and spend more time reading, talking to friends and experiencing life.  It just isn't going to all be fun.  After all, fun isn't fun if it happens every day.

My husband is happily back to work these days. He is a little slower than before his time-off and his hand is still a bit tender but he is back to normal.  I recently asked him if he had learned anything about possible retirement in a year or so.  He looked off into space and said, "Maybe".  

Personally, I am glad for the sudden long-term absence my husband has experienced.  Those few weeks gave both of us a perspective that neither of us would have had otherwise.  I hope it means that when the time comes, real retirement will be an easy and welcome transition and not a source of concern.  As my husband said, "Maybe".

Tuesday, June 26, 2018

Dear European Readers,

First, I would like to thank your governments for reining in the collection of data for unknown purposes.  I agree whole-heartedly with the measures.

THE NOTICE YOU HAVE JUST SEEN IS FROM GOOGLE and not the author of this site. 

I have no intention of collecting personal data and my only purpose in writing is to educate and entertain my readers.  I sincerely thank you for visiting my blog and hope you will come back often.

The Author

Monday, March 5, 2018

Nowhere Land

I am must be in Nowhere Land.

You know we have all been here. The place where you try your best but still do not manage to get much scratched off your to-do list.  Well, I am firmly stuck in Nowhere Land. 

I have at least a half dozen blog posts that I cannot seem to finish. The ideas are good ones.  Each of the topics has kept me from getting a good night's sleep or listening to the preacher's sermon or distracting me from the end of the who-dunnit tv show I have stayed up to watch.  And yet, that last bit of focus that says "Yes, this is what I want" seems to be missing.  I am in Nowhere Land.

It's more than writer's block. Its like someone put molasses in my veins and it is taking every ounce of motivation to get dressed, wash a few dishes, a load of clothes and finish a jigsaw puzzle on my iPad.  You know those days.  We have all felt this way. You are neither up nor down, sad nor happy, angry nor supportive.  You are Nowhere.  Just here - or is it there.  Hmph?

For me it often strikes during the last few weeks of winter.  If you live in Virginia or North Carolina, you have experienced our crazy weather.  Ten days ago it was 75 degrees and I had the windows open. Over the weekend it was 60 mile per hour winds and tomorrow afternoon it is supposed to be snow flurries and back in the 40s for the rest of the week. On some level, one just cannot figure out how one is to plan for the day. 

These are the days when one misses having a regular job as a motivator.  If you are a temporary resident in Nowhere Land, your attire might be pajamas for three days in a row and your favorite food might be icing out of a tub.  To a mental health profession, you have just described a person experiencing some form of mental break down.  But Nowhere Land is just not on the mental health map.

Don't get me wrong, I am not making light of the thousands of people who experience mental health issues.  I am a big supporter of nutritional psychology which examines how certain foods can effect mood and personality.  I have found myself removing foods from my diet when realizing they made me just a bit too crazy and adding others when life just isn't normal. (but I digress)   For me, however, and probably far more people than will own up to it, finding oneself in Nowhere Land is something of a mental holiday.  In all probability, in a couple of days, that half a dozen posts will suddenly pop up on screen, my housework will be caught up and a trip to the grocery store will not take the planning of a three week vacation.

For now, I am sending my regards from Nowhere Land and I hope to be back with you in a few days.  :) 

Thursday, February 22, 2018

A Spoonful of Fear

A Spoonful of Fear: Prescription for Lousy Leadership

The old professor was short and wiry.  He leaned on the lectern with a stance perfected over years of marathon talks in front of uninterested students.  His voice was terse and unforgiving. His manner was not one of disinterest or routine but frustration from trying to impress on the young that there was much to learn from the past.  I was taking Western Civilization to 1900 in summer school in 1977.  While the grade I earned would do nothing for my grade point average, this course would leave me with lessons that have served me well over the years.
I remember very few dates and names, but I remember well the images that the old scribe placed in my head - how it felt, even smelled, to be in battle, how clueless different segments of the population could be to reality and, with no nonsense clarity, how leaders manipulated those around them through a steady diet of fear. A spoonful a day kept constituents at bay.

In simple terms, if you are an unpopular or incompetent leader, all you needed to do was create a threat to divert attention from the real problems. In return, the populus will solidify behind you and they would love you as you took them to war or economic ruin.  It was that simple and he recounted example after example of just such blind loyalty. Surely, it could not be that simple, I have thought over the years.  But as I age and have seen more than a few administrations come and go, I am beginning to see what he tried to tell us would happen..

Fear is a powerful force and can be used to hide a multitude of problem. No person is completely immune to its effects. One person fears gun violence and another fears taking away one's Second Amendment rights. When was the last time citizens were asked by their local government to band together to repel an invading group of people? That was the reason the Second Amendment was added to the constitution – because communities needed to protect themselves against warring tribes, and British and French forces seeking to conquer neighboring lands. How many will vote for a candidate who proclaims protection of gun rights when that person has no experience whatsoever in government? Are Americans not willing to spend millions of dollars to protect those around to fight any and every war to feel safe at home?
Abortion, infidelity, and sexual orientation are also great diverters of attention.. Abortion did not start with Roe vs. Wade. Women have been practicing the terminantion of pregnancy since early civilization. Natural herbs as well as dangerous semi-surgical procedures were used long before the Church became involved. If abortion has taken place for thousands of years, how can one argue that society will fail if it isn't banned. In the same way, sexual preference and infidelity are considered major issues but have been around as long as man (or woman).

So what should the American public fear? Take the national debt for instance. According to government sources, it is now over $20 trillion dollars. Such a big number is so hard to understand. It is the equivalent of running the entire Federal Government for 5 years. An individual or even a company that owed five times its annual income would be considered a poor risk by most lending institution. What is truly scary though, is that, unlike a bank loan our government does not really make payments on this debt? Two thirds of this debt is held by individuals, companies and foreign governments and repayment can be demanded at a moment's notice. The other one third, about 7 trillion dollars, is borrowed from the Social Security Trust Fund. Ever wonder why Congress never seems willing to increase Social Security pay to seniors. The answer is very simple – because it would mean that the national debt would need to be reduced and the only way to do that is to raise taxes or cut defense spending. At this point, Americans fear rising taxes and giving up protecting the world more than its leaders' choice to live beyond its means.

Fear is great for business as well. No one expects a pay raise when America is threatened at the very core of its being by illegal immigration. Business knows that as long as this issue looms in the wings, Americans will gladly tighten the belt and ask for nothing in return. It worked when the Scots-Irish came to the factories and the mines and when the Chinese were brought in to build the railroads. It works just as well in today's economy. And yet, it is the very programs that increase jobs and give companies tax breaks that entice immigrants to come to this country. Without the fear of losing jobs, would employees be so willing to make pennies on the dollar while profits were funneled into corporate bonuses and expensive retreats?

Maybe the time has come for Americans to see how their fear has been keeping them in their place for too long. Certainly, there has been enough questionable news over the last two years to feel a change in the direction of the wind of public opinion. More and more people are standing up to the rhetoric and expecting real action. They feel the need to call out “fake news” and “alternative facts” regardless of which side of the aisle is responsible. Americans may not be as divided as portrayed. A simple Low-Fear Diet may bring about the concensus that the media says doesn't exist.

I still think back to how much I learned that summer, how little it had to do with the past and how much it has to do with the present. Thank you Professor. I did listen in class and it did make an impression.

Monday, February 19, 2018

There is already one post about the senseless shooting of young people on this blog and it would be better for all if that were the extent of it.  But the country is dealing with yet another act of violence on school grounds.  There will be much blame spread around and many excuses like every event before it.  The one thing that may be different about this time, is the anger of the victims themselves.  Instead of mourning and moving on. these young people have decided that their voices will be heard.  Unlike their parents and grandparents who, for the last 20 years, have tried to work within the system to make things better, these young people will join with hundreds - if not thousands- and they will take their fight public.  They will expect those in charge to explain how the rights of one person to own a gun can outweigh the lives of all those who have been killed by them.  Instead of watching the ineffective government stand by the constitution to protect them from making decisions that might be unpopular to gun owners and lobbies, they will vote for those who see that the world is a different place and one in need of change.  They will be heard and with any luck, this WILL be the last time a school shooting occurs.

Friday, February 16, 2018


Dear Readers,
I apologize for not posting this week. I am afraid no one would have liked what I posted.  This has been a very sad week for myself and my family.  Not only did we witness another senseless shooting in our schools but we lost two young women who were very dear to us.  There will come a time that you will see a shadow of these events in what I write here but now is not the time.  
There was a time when I would have blasted off several hundred words in anger and outrage but neither I nor those who are gracious enough to read what I have written need that type of outburst.  It's time to think before one speaks and speak with a voice based on knowledge not emotion.  There is change coming and I think it will be good for all.
Thank you again for your support

Sarah Schrump-Deacon