Last vacation before retirement?

Jett and I leave tomorrow for a week in Mexico.  It will almost certainly be our last full-week vacation before we retire.  We will have a week in the sun to talk about the future, get rid of the last vestiges of that damn cold and consume vast quantities of alcohol (yes, it is an all-inclusive).

I sometimes wonder if these all-inclusives aren’t just a little too inclusive.  It is one thing to be able to get a free drink from a bar, but in Mexico the room comes stocked with big bottles of tequila, rum, vodka and gin.  If someone had a problem with limiting alcohol intake, this would be a bad place to be.  And yet I have never seen stumbling-drunk guests at an all-inclusive in Mexico like I have on a cruise where the drinks are expensive.  Maybe they get so drunk that they skip the stumbling part and just pass out?

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Jett quit her job

The plan was for her to retire June 30, but she just couldn’t wait to be done with that job, so she up and quit.  She will find something to do, but it will be short-term as she still plans to take the summer off.  This is a good chance for her to work on a skill she will need next year – finding quality short-term employment.

That is the glass-is-half-full part of me talking.  The other half is worried about the loss of income and what it will do to our budget.  In particular, I am now wondering whether we will be able to get our credit card debt below that $10K goal that I set.  It will be tougher now.

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We have insurance!

We got a commitment from an insurance agent yesterday to insure our coach.  I am a little surprised at how inexpensive it is – less than $50 per month, even when we are traveling.  Less than that if is is parked seasonally at a campground.  Even less if it is in storage.

I didn’t have a separate item budgeted for the coach insurance; I lumped the truck and coach insurance together under “rig insurance” with an estimate of $250/month.  That would leave $200/month for the truck insurance.  Should be doable.

As Forrest would say, “one less thing.”

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Day 18. And I will stop counting.

The Cold That Wouldn’t Go Away seems to be going away.  I still cough enough to annoy my co-workers but it is mostly under control.  And I no longer sound like a frog.  So I guess I survived this one.

I had a good time writing about our planned trek west.  I can’t hardly wait!  Jett seems to be more focused on having the 399 in New Hampshire for the summer, but I am much more centered on leaving it all behind.  Different strokes.  Hopefully Jett will be just as excited as I am by the time September comes around.

In case you haven’t noticed, I wrote a page describing the first 17 days of our 101-day journey west (“The Planned Trip West – Segment 1”). This portion of the trip is pretty set; anything after this is a rough plan, subject to change. But it sure is fun planning it all.

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We have financing!

One more brick in place.  We have approved financing for a $30,000 loan to purchase the coach.  Next step: insurance.  We are looking to be actual RV owners by mid-March.

The terms aren’t great, given the current low interest rates: 6.75% over 15 years with a pre-payment penalty if we pay it off in less than 3 years.  But the amount of the loan is so small that I really don’t care all that much about the rate.  And the monthly payment is just $265, which is just slightly more than my cable bill right now.  I might decide to keep the loan for those 3 years.  It will allow me to keep $30K more in my IRA, which may just about pay the interest.

Anyway, we are one big step closer to making this a reality.

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Day 11

This damn cold just won’t go away.  Jett and I both have it.  When one of us isn’t coughing the other is.

Winter… bah humbug!  It will be a pleasure to be done with it.

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Now Jett has it

Jett always gets whatever illness I bring home, so it is no surprise that she started coughing yesterday.  Unfortunately, she always gets it worse and sometimes ends up in the hospital.  I hope that doesn’t happen this time.

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Must be the *other* flu

My “just a cough” illness turned into a full-fledged flu-like disease, complete with fever, chills and both chest and nasal congestion.  It seems like the flu to me, but as I received a flu shot this year it has to be just a cold, right?  But how can I tell the difference?  If I could look at the virus under an electron microscope, could I tell?  Could anyone?

If the flu and the common cold are so similar, why is it possible to vaccinate against the flu but not against the cold?

And why does the flu make me talk like Andy Rooney?

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My traditional January cough has arrived

One of the many reasons that I want to leave cold winters behind is my January cough.  It appears, without fail, every January and usually lasts most of the month.  Sometimes it is accompanied by the other symptoms of the common cold (runny nose, chest congestion) or flu (aches, fever).  But sometimes, like this year’s vintage, it is just a cough.  A dry, persistent, racking cough.  It is more annoying than a real medical concern, but I wouldn’t miss it at all if it stayed in Massachusetts while I was in California next year.  Hell, I would even send it a postcard. Or maybe bequeath it to a (not very good) friend.

Maybe next year I can start a tradition of January sunburns.

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Happy New Year!

Jett and I had kind of a strange New Year’s Eve experience last night.  In the company of our good friends Barb and Bob – and, as it turns out, on their dime (thanks again, guys!) – we had a very nice dinner at Princeton Station in Chelmsford, MA. Prime rib, baked potato, squash, strawberry shortcake and good coffee. Yum.

And entertainment, too.  Unfortunately, the band, which apparently specialized in hip-hop, was poorly matched to an audience that was heavily tilted, age-wise, to those who regard hip-hop as noise.  At 62 I was in the “young” half of this crowd.  And the band wasn’t helped by the sound system which made the lyrics seem like they were bubbling up from the Krusty Krab, about 200 feet under the surface of the ocean.  Apparently so many of the oldsters were so unhappy with the live music that the management pulled the band from the stage after the first set and would not let them play again until midnight approached – a “short break” of nearly 90 minutes.  Instead, we were treated to 50’s music from a local radio station, complete with commercials.  Very weird.

But we managed to have fun anyway.  We encountered a very lively 75-year-old at an adjacent table who grew up very close to our previous home in Somerville, MA, and who had actually met Whitey Bulger when he was head of the Winter Hill Gang in Somerville.  We traded some Whitey stories (we had some neighbors in Somerville who had given us a few).

And we danced.  Not a bad way to usher in the Year of Retirement.

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