Sunday, January 12, 2014

2014 (Jan - Feb)

Friday, February 14, 2014

A Wild And Woolly WTC Week


This has been a wild week. Our Wilderness Training Course (WTC) has, quite frankly, taken over our lives. Who knew one little two and a half hour weekly class could create so much stress? I've barely left the house for days it seems, as Mike and I obsess over the assigned readings, the assigned homework, gathering the necessary equipment, and prepping for our second WTC trip.

First the bad: Navigation is tough, really tough! Mike and I have spent hours, and I do mean hours, on our navigation homework. We're beginning to see the light at the end of tunnel, and working with a compass and map is starting to make some sense, but I'm still struggling to put everything together in order to grasp how this will actually work out in the backcountry. There are five tests that we have to be checked off on before graduating the class - conditioning, rock climbing, snow travel, snow camp and navigation. I've already been checked of on conditioning, and I'm confident that the next three are well within my abilities, but I'm not yet confident at all about the navigation piece.

Also bad: Backpacking is expensive, at least initially. I earmarked what I thought was a reasonable amount - $2,000 - to outfit us both, and although we'll make it, it will be, literally, with just pennies to spare. Ideally we would have had many months to gather things slowly, looking for deals on both new and used items, however, the rapid pace of our class simply doesn't afford us that luxury. 

As a result, we have made so many trips to REI over the last five weeks, and spent so much time talking with their enthusiastic employees that I feel like I'm majoring in WTC, and minoring in REI!

Now the good: Initially I was freaked by the idea of spending eight long, cold hours sleeping (or not!) on the hard ground. However, after attending several WTC classes that discussed proper insulation and equipment, plus testing out some surprisingly comfy sleeping pads and and sleeping bags at REI, my concerns are pretty quickly diminishing. We've spent a considerable chunk of our backpacking funds on just these two components, but in my opinion they are the make-or-break items for ensuring this hobby becomes a significant portion of our early retirement lifestyle, so I believe it will be money well spent. 
My new 2 lb, 2 oz, 19 degree sleeping bag. Kinda cute, yes?
And warm . . . really warm!
Also good: I'm feeling increasingly confident about my physical abilities. Adding the Stairmaster to my weekly workout routine has definitely enhanced my overall conditioning, as has upping my strength training. 

And finally: It's pretty awesome to be learning something so new, and that we are so excited about, at the ripe old ages of 51 and 58. I can't wait for all the wonderful adventures that will soon be coming our way as a result of making this effort.

This weekend we'll be heading to Joshua Tree National Park for our first overnight WTC trip, where we'll be using and testing out all of our new equipment. I am packing Tylenol PM just in case, but have fingers crossed that I won't need it to get through the night. 

In addition to seeing how sleeping on the ground as full-grown adults feels, we'll be doing some minor level rock climbing, and spending lots of time putting our newly earned navigation skills to work. If all goes well, we'll be passed on both elements. If it doesn't, well, lets just hope they don't have to send out search and rescue!


Monday, February 10, 2014

Summer Northern Plains RV Trip Preview


Drum roll please . . . 

The planning for our 70-day summer RV trip, all 21 legs of it, is done! I have to say it was a significant undertaking to do the planning for both this trip and our spring southwest RV trip at pretty much the same time, but now that they are done, I can sit back and relax.

Below is an outline of where we're going, where we're be staying, and the primary attractions at each location. We'll fill in the gaps with oodles of state parks, museums, national monuments, recreation areas and historic sites, plus lots of, I hope, unique dining experiences. 

Click on the links below for more information on any of the parks will be staying in. The average cost per night came in at $45.00, a bit higher than our southwest trip lodging expenses. Ironically, the most expensive parks we'll be staying in are the ones run by third party concessionaires within our national parks, which is what pushed up the per night overall cost average. 

Virgin, UT
Zion River Resort
- Zion National Park
- River Tubing

Park City, UT
Park City RV Resort
- Hiking
- Mountain Biking

Jackson Hole, WY
The Virginian Lodge RV Resort
- Hiking
- Jackson Hole Rodeo
- Cowboy Cookout

Grand Teton, WY

Colter Bay Village RV Park
- Grand Teton National Park
- Snake River Float Trip

Yellowstone Lake, WY
Yellowstone Fishing Bridge RV Resort
- Yellowstone National Park

Cody, WY

Cody KOA
- Buffalo Bill State Park
- Buffalo Bill Center of the West
- Museum of the Plains Indians

Casper, WY

Casper KOA
- Covered wagon trek & cook-out
- Ft. Casper Historic Site

Custer, SD
Beaver Lake Campground
- Mt. Rushmore National Memorial
- Wind Cave National Park
- Crazy Horse National Monument
- Jewel Cave National Monument

Interior, SD

Badlands/White River KOA
- Badlands National Park

Medora, ND
Medora Campground
- Theodore Roosevelt National Park

Great Falls, MT

Dick's RV Park
Layover enroute to next stop

St. Mary, MT
St. Mary/E Glacier KOA
- Glacier National Park (East side)

W. Glacier, MT

Glacier Campground
- Glacier National Park (West side)

Coeur D'Alene, ID

River Walk RV Park
- Hiking
- Biking
- Paddleboarding

Walla, Walla, WA
RV Resort Four Seasons
- Wine tasting 

White Salmon, WA

Bridge RV Park Campground
- The Dalles 
- Mt. Hood
- Columbia River

Bend, OR
Scandia RV Park
- Hiking
- Mountain Biking
- Newberry Volcanic National Monument

Ashland, OR

Emigrant Lake County Park
- Ashland Shakespeare Festival

Redwoods National Park, CA
Prairie Creek Redwoods State Park
- Hiking
- Tree of Mystery 

Cloverdale, CA

Cloverdale/Healdsburg KOA
- Wine tasting 


Big Sur, CA
Pfeiffer Big Sur State Park
- Hiking
- Ocean kayaking

Home

I'm so excited to kick off both of these trips come mid-April! Fortunately, we have lots and lots to keep us busy here at home in the meantime, otherwise I suspect the wait would be torture.

Speaking of which; we're off to Joshua Tree National Park this weekend for our first overnight camping trip with our wilderness training class. Stay tuned, as I'm expecting it to be quite the experience. We'll be doing navigation 'noodling' which I think may be synonymous with "Ha! You're lost, so good luck finding your way back!"


Thursday, February 6, 2014

Spring Southwest RV Trip Preview


It recently occurred to me that our upcoming 45-day spring RV trip is going to get here before I know it, given how frantic life is currently. Between our Wilderness Training class, our many ongoing 'normal' activities, plus the upcoming eight weeks of computer classes I'm preparing to teach at our Lifelong Learning program, time is racing by. So, I've been hard at work since Monday nailing down the final details of our trip, which I'm happy to share here in the event others have interest in any of the places we'll be visiting.

I utilized MapQuest and my national parks book collection to determine what places we should visit, RVParkReviews to determine where we should stay, TripAdvisor to determine what we should do, and Yelp to determine where we should eat. I then transferred everything to a series of worksheets that I'll print out and keep with me. We utilize WiFi as we go, but it can be intermittent depending on where are, and I've learned that it's always a good plan to have paper backups.

Having done all that, I'm very, very excited about what we'll be seeing and doing on this trip. Below are some of the highlights, including links to the parks where we'll be staying. Average lodging cost per night is coming in at $38, with most places affording full hookups, WiFi, laundry and swimming pool, plus spas and fitness centers in some locations. We'll be very comfortable!


Spring 45-Day Southwest RV Trip Itinerary

Tucson, AZ
Catalina State Park
Saguaro National Park

Las Cruces, NM
Las Cruces KOA
- Old Mesilla Village
- White Sands Missile Range
- Dripping Springs Natural Area

Carlsbad, NM
Carlsbad RV Park
- Carlsbad Caverns National Park
- Guadalupe Mountains National Park

Roswell, NM
Red Barn RV Park
Roswell UFO Tour


Albuquerque, NM
Albuquerque North/Bernalillo KOA
- International Hot Air Balloon Museum
- Petroglyph National Monument
- Sandia Peak Tramway
- Indian Pueblo Cultural Center

Santa Fe, NM
Los Suenos RV Park
- Georgia O'Keefe Museum
- Bandelier National Monument
Kasha-Katuwe Tent Rocks National Monument
- Pecos National Historical Site
- Llama trekking along the Rio Grande

Holbrook, AZ
Holbrook/Petrified Forest KOA
- Petrified Forest National Park

Sedona, AZ
Rancho Sedona RV Park
Backcountry jeep tour
- Slide Rock State Park
- Flagstaff day trip

Las Vegas, NV
Oasis RV Park
- Sun, fun, and lounging by the pool
- Cirque du Soleil's 'One' at Mandalay Bay
- Red Rocks State Park

Paso Robles, CA
Wine Country RV Resort
- Great Western Bike Rally
- Wine tasting

Morro Bay, CA
Morro Bay State Park
Hiking
- Kayaking

Home


If you recall, last summer I was regretting that I hadn't put more time into planning each leg of our Pacific Northwest trip, because it left me scrambling to plan out our itinerary each time we relocated to a new area. Lesson learned, I've been plotting out a detailed itinerary, which has allowed me to plan activities to maximize both our time and money. By doing the research ahead of time, I've been able to take advantage of many free and discounted activities I've found, working them into our plans as it makes sense.

And now that this trip has been pretty much put to bed, I'm moving on to our 70-day summer RV trip, which will take us through the grasslands and badlands of the northern plain states. 

Sunday, February 2, 2014

A Fabulous February Start - Bagging Santiago Peak


That's the Santiago Peak marker above. Not terribly impressive as peak markers go, but still a major feat to be able to see it and take a photo in person. It took us 8 miles and 4,000 feet of elevation gain to reach 5,689 ft Santiago Peak, the highest point in Orange Country, while carrying 20 pound backpacks, then another 8 miles to return to our start point.

At 16 miles roundtrip, that's our longest day hike ever.

What a day, and what an output of energy it took. Our day started bright and early at 3:30 AM, as our alarms went off and we climbed out of our warm bed. I think I've previously mentioned that this is always my least favorite part of any endurance activity, but once I suck it up and toss back the covers, it's pretty much all good going forward.

We dressed in our already-laid out hiking layers, went downstairs to re-check our already-loaded backpacks, filled our water bladders, poured hot coffee into travel mugs, picked up our sack breakfast and lunch, and left for the 40 minute drive to the initial starting point. There, along with the other 27 people in our WTC class, we grouped together and got into several high clearance vehicles for the very bumpy ride to the trail head. Seriously, the dirt road we had to drive up was rutted, muddy, and about as bad as I've ever been on. And so much fun.

We were parked and gathered together in front of the trail head by 6:30 AM, ready to listen to some last minute instructions from our leader Edd . . . 


. . . plus one quick, "Hi guys, look where we are!" photo before taking off:


So how did it go? Well, it went 1) great, then 2) not so great, then 3) great again!

Great

We hiked for seven miles, continuously gaining elevation, and stopping every mile or so to utilize our compass and trail map to ascertain where we were. Learning to locate true north, take a bearing on a landmark, then use both to determine where we were on our trail maps was challenging. If I had to take a test today I'd probably fail navigation, but I'm making progress, and we still have many weeks to go, so I'm optimistic I'll nail it eventually.

Not So Great

At the start of mile eight, which, ironically, was almost the easiest part of the hike as we followed a dirt road for the last mile to the peak, I bonked. 

What is bonking exactly? Here's a definition from Active.com:
What Causes a Bonk? A bonk can be described as total glycogen depletion from the muscles and liver. Glycogen is the primary fuel source for endurance athletes. This severe glycogen depletion does not occur during short duration, high intensity efforts, rather it occurs during continuous exercise at some 70- to 85-percent of VO2 max that is sustained for periods of more than about two hours.  
I've bonked before, so I knew I needed to eat something with salt, and do so pretty quickly. I pulled out a small pack of trail mix, ate it, sipped lots of water, kept trudging along, and just about the time we hit the peak some twenty minutes later, I was pretty much back to normal.

Great Again!

Shots from the peak, which was colder and windier than expected at a brisk 36 degrees. Not something we experience very often here in temperate Orange County, California.

Yeah, I made it!
We shared the peak with these radio towers, which provide radio coverage for most of S. California.
The views looking out in the other direction were a bit more dramatic.
Apparently I wasn't the only one in the group that struggled to reach the peak!
Cold, but happy to have made it.
Heading back down a descending trail is always great for me. The hard work is over, and I can rely on my solid cardio conditioning to get me back to the start point. The only part that threw a bit of a wrench in the works this time though, is that our leader for this leg, Ron, decided that our leisurely ascent had eaten up to much daylight, and we now needed to book it back down if we wanted to finish before sunset.

And book it he did. Seriously, we descended so rapidly that most of us in the front group (yep, I was in the front group with the 20-somethings on the way down) had to jog to keep up. While wearing 20 pound backpacks mind you.

It was fun. A bit tough, yes, but fun. The only issue was one of the gals in the group took a swan dive just before we reached the cars. It scared the heck out of me as I watched her go down, because her arms got caught under her body leaving her with absolutely nothing to break her fall. There was a collective holding of breath until she popped up smiling, dirt all over her face, and in her teeth, announcing she was fine.

After that, it was an easy, bumpy drive back down to our cars, followed by a group pizza fest at a nearby restaurant.

Surprisingly, I feel pretty darn good this morning, and Mike and I will be heading over to a nearby trail shortly to do a five mile easy trek so I can continue breaking in my new boots.

And although it made me laugh at the time, yesterday, as we were finishing up, one of the young guys turned to one of the gals that was sprawled on the ground, exhausted, and called out "Hey, you can rest when you're dead!"

It's possible that truer words have never been spoken.


Friday, January 31, 2014

The Impact of Exercise On Weight . . . Mine At Least!

I was fooling around on SparkPeople this morning, the really terrific, free, online site I've been using to track my exercise and food as I continue to work on losing those last few pounds, and ending up creating some charts which I found to be very interesting.

Chart One

The first line of the chart below shows the number of calories I can take in if I wish to continue losing about 1.5 pounds a week, based on no exercise whatsoever. Somewhere between 1200-1550 a day, which is pretty austere.

The second line of the chart shows how many calories I burned today at the gym.

The last line shows the impact those calories I burned exercising have on my total caloric intake for the day. I have to say I like the total calories displayed in the last line a whole lot more than the calories displayed in the first!



Chart Two

Chart two shows what will happen once I hit my goal weight and switch to maintenance. At that point, it appears I'll be able to increase my daily caloric intake by about 100 calories a day. 


Not as much as I would have hoped!

Once I thought about it, however, it actually made sense. I'd gained roughly six pounds a year for the last three years, 18 in total, which breaks out to just 57 excess calories a day. 

Chart Three

This was the chart that put me back in my happy place. On days like tomorrow, when I'm going to be hiking 15 miles, plus gaining elevation, plus carrying a 20 pound backpack, thus burning some 2600+ calories, I'll pretty much have license to eat whatever I want. 


The moral of this story? I may not be able to do anything about my baseline metabolism, but exercise really does make everything a whole lot better!


Who says 51 is over the hill?!?



Thursday, January 30, 2014

Being Creative, Nutritious and Economical In The Kitchen

I love trying out new recipes, and it's a rare week that I don't work at least one new item into my weekly menu. Aside from being fun and allowing me to believe that maybe I really am creative, it's extremely economical as well - our weekly grocery spend continues to come in around $80.00 for two as we head into year three of our early retirement. And although there have been a few notable exceptions over the years, everything generally ends up tasting considerably better than if it had been purchased ready-made.

Here are a few of the more interesting things that came out of my kitchen this week - 


Wheat Berry Salad with Feta Cheese

This Cooking Light recipe actually called for goat cheese, but I am so not a fan, so I used lowfat feta instead. This was my first time cooking with wheat berries, and the hardest part was simply remembering to start them soaking in the morning since it takes a full eight hours to do so, followed by an hour on the stove, then a final 30 minutes cooling them down. Putting the salad together after that was a snap. I served it with some of my homemade, toasted potato bread and it was delish.




Spinach Sundried Tomato Pizza With Feta

Another Cooking Light recipe, which includes instructions for making the pizza crust, sauce, and toppings all from scratch. I'm particularly proud of the way the pizza crust turned out - soft and airy. Nicely, the pizza crust recipe calls for utilizing a stand up mixer fitted with a bread dough hook for the majority of the kneading process, with just a couple of minutes of hand kneading at the end. I followed the pizza crust and pizza sauce recipes verbatim, but modified the pizza toppings slightly - I substituted feta for goat cheese (I really do not like goat cheese!), left off the ricotta and used some mozzarella I hand on hand instead, and added sun dried tomatoes. Almost everything tastes better with sun dried tomatoes I think!



Grilled Pepper and Onion Calzones

I used leftover pizza dough and pizza sauce from the above recipe as starter ingredients in this final Cooking Light recipe, substituting mushrooms for the sausage called for in the recipe. Unfortunately, I'm going to need to cheat and use the online photo, since I forgot to take a photo of this before we dug in. 

Photo courtesy of www.CookingLight.com

This Sunset recipe is a super easy, super delicious, low sugar refrigerator jam that I make whenever berries go on sale. Recently I picked up blackberries on sale at Sprouts for $0.77 per 6 oz package. I used 3 and 1/3 packages, which when added to the cost of the rest of the ingredients, came to a total of $3.44 for 36 oz of jam, or $0.09 per oz*. I normally spend $2.79 for 15.2 oz of Trader Joe's low sugar jam, which at $0.18 per oz, is twice as expensive as homemade. And nowhere near as tasty!


Click here for my Low Sugar Strawberry Raspberry Jam and Click here for my Low Sugar Spiced Plum Jam, which I alternate between depending on what's on sale at Sprouts.

*I didn't include the cost of the canning jars, because I've been reusing them for years to make this jam.

Dried Cherry and Almond Biscotti

OK, so this is my one, token, non-nutritious item for the week. This recipe, from Food Network's Anne Burrell, is relatively easy to make as well. I added some white chocolate chips to the recipe, which I think pair well with the dried cherries and almonds. This recipe makes about three dozen cookies, all of which go immediately into my freezer for safe keeping. If you make them for yourself you'll quickly discover why . . . they are far too yummy to leave just lying around asking to be eaten!



Also on the menu, but not photographed:

- Cooking Light's Bowtie pasta with tomato, feta, cucumber and capers. I substituted cucumber for the grapes listed in the recipe. Grapes just seemed odd to me given the other ingredients in this recipe!

- Vegetarian enchiladas: whole wheat tortillas, vegetarian refried beans, sliced black olives, canned green chiles, and some shredded lowfat cheddar cheese. Fill, roll, place seam side down in pan, cover with enchilada sauce of choice, and bake for 30 minutes uncovered at 350.


- I also serve a big crunchy salad with almost every meal, add a slice of toasted or grilled bread for Mike, plus big glasses of ice water for us both.

So there you have it . . . some creative, economical, mostly nutritious recipes from my kitchen to yours!

Weight loss update: Down another pound this week, for a total of 12 pounds lost, with another six to go before I hit my goal. Photos once that occurs you can be sure!

Sugar note update: Although it may seem counter-intuitive to make things like biscotti when I'm in the process of losing weight, it's really not as long as I manage my intake. I allow myself 150 - 200 calories a day of treats. :-)


Monday, January 27, 2014

And Finally She Rested!

One of the things that makes me deeply joyous is to push my physical limits. I sincerely enjoy the experience as I'm doing it, but I may be more addicted to the way I feel afterward . . . sort of like slow moving molasses. It's the most wonderful sensation, and I can only go so many days without it before I start to go a little crazy.

Because of the upcoming physical demands of our Wilderness Training Course (WTC); one 12-14 mile, 3000 ft elevation gaining hike, one cross-country hike that will include 2nd and 3rd class rock climbing/scrabbling, one snow traveling hike, and two nights/three days of snow backpacking; we've been upping our physical conditioning significantly. I started working out on the Stairmaster last week, and am already able to stay on for 45 minutes at a decent level, which I'm really pleased about. I'm also adding resistance each time I strength training, and yesterday we were able to knock off a 40 mile bicycle ride without too much effort, even after about six weeks of being off of our bikes.

Today's goal was to complete our normal 12 mile Monday hike with the addition of WTC-load approved backpacks. Per our WTC class, WTC-load approved meant we were carrying the ten essentials in addition to our normal day hiking items: three liters of water, a compass, map, extra backup emergency food, all necessary insulation layers of clothing, including heavy fleece jacket and rain gear, waterproof matches, a back up fire starter, gloves and glove liners, a knit hat, headlamp, pocket knife, duct tape, and a whistle. Plus extra boots - I'm breaking in a new pair and needed to change into my old boots a few miles in, in order to avoid bruising my feet or bones by forcing them to try and acclimate to the new, stiffer and heavier boots, too quickly.

The ice cooler in the background stayed behind,
but pretty much everything else went with me!
After all that, my backpack weighed in at 18 pounds, as did Mike's. I was also using walking poles for the first time, which I knew would add an additional level of exertion, and I was wearing my brand new leather boots for the first part of the hike, so I was more than a little nervous as we headed off.

Cool as a cucumber Mike
More than a bit nervous me.
As we headed out of the parking lot and up the first hill, I quickly realized we weren't in Kansas anymore! Carrying 18 extra pounds while climbing was a lot, lot harder than climbing with my normal day hiking load of just water and food. As we crested the hill I honestly wondered if I'd be able to finish. But, fortunately, what I forgot was that that first hill comes right at the beginning, meaning my heart rate was working overtime to get up to speed, and once it got to that 70%-80% exertion level, starting right around the start of mile two, I actually felt fine, and stayed fine for pretty much the rest of the hike.


Where our hike took us today.
I will say, though I was very happy when we started on mile eleven, our last. And even happier when we started down the last hill and I saw our car waiting for us below. And finally taking off that heavy backpack once we reached the car? Absolute bliss!

The reward for putting out so much effort, about 1,600 calories per my best guess, is that I feel no need to justify not moving for the remainder of the day. All I've pretty much done since we got back home is shower, eat, nap, eat a bit more, read, watch a little TV, and work on this blog.

Tomorrow morning I'll likely be back to being full of energy and a desire to be productive, but for right now I'm thoroughly enjoying my well earned rest.

"When you do that which is hard, life becomes very easy."


Friday, December 6, 2013

Learning To Be More Creative In Early Retirement


Friday, December 6, 2013

Learning To Be More Creative In Early Retirement

I've never thought of myself as being particularly creative. I like to do lots of different things - baking, photography, decorating, landscaping, entertaining - but I've always considered those to be different from the 'hard' creative arts like drawing, painting, designing, creating and the like. However, yesterday Mike and I attended a class on why creativity is so important in our lives, and I'm now looking at things with completely different eyes.

The instructor started off by explaining that all people are born creative. What happens to many of us over the years, however, is that our creativity gets drummed right out of us by our families and society. "You didn't draw/do that right," or "Stop wasting time and do something productive!" are common messages many of us heard as we were growing up. The instructor then went on to deliver the following truisms:

- All people are born creative
- You're never to old to become more creative
Creativity can be increased with practice
- Creativity contributes to physical health
- Creativity is about the process, not just the end product
- It's ok to fail more than you succeed.
- Even mundane tasks can be approached creatively.

I found the topic incredibly interesting, particular the part about the process being as important as the end product. The instructor gave some examples on how to do this, including tips as simple as changing the order in which household chores are approached. If you always wash the floors before you dust, reverse the order. Change the normal day on which you do something every once in a while just to see how it feels. Take your daily walk or hike in the opposite direction you usually go.

Some of the instructors other tips in how to strengthen creativity were simple as well:
  1. Take joy breaks. Rediscover the unlimited energy that follows child-like fun by thinking of a least a dozen ways to enjoy little bursts of fun, like twirling around, jumping up in the air, sliding down the hallway (I do this one all the time!), singing out loud, dancing for a few minutes or making funny faces in the mirror, and them do them several times a day.
  2. Enjoy three slow, deep breaths several times a day.
  3. Always have something fun to anticipate. Put as much dedication and creativity into planning your fun as you do your work. (I'm pretty good at this one too!)
  4. Celebrate! Create positive momentum by finding at least one thing a week to celebrate.
  5. Keep growing. Learn something new every day.
So, in the spirit of the above, last night when I got home I decided to look for a creative way to use up the last cup of mashed potatoes left over from Thanksgiving. After doing a little research on the internet I decided to make potato bread, which is very much of a creative stretch for this yeast-bread newbie. I started the bread at 5:30 pm, and by 9:30 pm these two beauties came out of my oven-

 

I was so excited by how they turned out that I went running upstairs to tell Mike so he that could come down and admire my little works of art. 

I'm not sure how enthralled he was by their appearance, truth be told, but I know he was enthralled by how good they tasted. I cut him a still warm slice, put a little sweet butter on top, and he was in heaven.

So today I'm trying my hand at a James Beard molasses brown bread I've previously been too nervous to try. This pushing your creative self thing really is fun!

--------------------------------------------------------------------------------
Here's a link to the recipe I used to make the above potato bread: 

9 comments:

  1. One of life's pleasures is being creative. I think it's great that you immediately took what you learned in class and tried it with potato bread! When I was working and didn't have much time for creative endeavors, I used creative problem solving as my outlet. And there is the opportunity for creativty in the simplest of things like how you decorate the mantle for Christmas or how you set the table for a dinner party. I also enjoy the challenges of being creative in re-purposing things I already have. Enjoy your molasses bread. I need to dig out my James Beard cookbook and think about baking some bread with a winter storm about to hit the Midwest...

    Reply
  2. Yes, yes yes. EVERYONE is creative. I say that as an artist-creativity is not about drawing and painting or making scrapbook pages. Creativity is about the fun stuff you do, the stuff you do to make use of what you have, you name it. Good for you on the potato bread.

    Reply
  3. Creativity is a great thing - as long as one doesn't disrupt the workflow or organization of the kitchen in our household! While Tamara was creatively setting out last night to bake bread from scratch (which I will attest to was delicious!), I tried something a bit more mundane....changing the way that I do a routine task like washing dishes. Instead of having the clean dishes ending up on one side of the sink, I reversed it and put them on the other side. Once done, I leave them to dry until the morning when they're put away. I also tried humming to myself while doing the dishes to see how that would make me 'feel". I was really trying to push my limits in tapping into my creative genius that I had heard about in our morning class! I felt quite good when I was done and left the kitchen full of clean dishes on the other side of the sink. Unfortunately, I hadn't thought about the impact of having those dishes left in a place that is often used for food preparation and with the unexpected baking experiment last night, there was a sudden need for space that was now full of clean dishes. My "creativity" generated a bit of disruption/chaos for Tamara - perhaps a good thing for both of us as got another chance to explore being outside of our comfort zones but definitely one that left us laughing at ourselves as we "explored" both the opportunities and results of our creative genius. Fast forward 24 hours....I'm back at the drawing board looking for other ways to be creative and will keep to the tried and true system that we have developed over years of practice when doing dishes! Stay tune as our retirement journey continues!!!

    Reply
  4. I never thought that using up a leftover in the way you did for the potato bread was using my creativity but now I do! And I think I am fairly good at doing that. So thanks, Tamara, for reminding me! Rosy

    Reply

Tuesday, November 12, 2013

2013 (November) OLLI Google Course Teaching

Saturday, November 9, 2013

Volunteering: The Missing Link In My Early Retirement



Some months back Suzanne over at Life Out Loud challenged her blog readers to categorize how they spent their time each day in order to see what was really being given priority. In my case, I was able to categorize most of my actions as being related to one of the following areas of priority:

        Mind
        Body
        Spirit
        Travel
        Family
        Friends

At the risk of exposing my less-than-perfect self, I have to point out that the one glaring omission in the above list was Volunteering. In spite of having done much volunteering over the years in the organizations and groups my daughters were involved in, I'd stalled out at some point over the last decade as my job scope grew, and more of my energy got redirected toward it as a result. 

So when I entered retirement in 2011, I did so with the best of intentions to volunteer, even undergoing several weeks of training beforehand with two different organizations, to be sure I had something to step into immediately. To my surprise, however, I very quickly began to resent these intrusions into my newly discovered free time, and ultimately decided I simply wasn't ready to commit my time to anything other than myself just yet.

Recently however, some two and a half years post retirement, a little kernel of wanting to give back has began to grow. As I mulled over what that meant, I knew whatever it ultimately turned out to be would have to both strike a chord of passion, and be able to be compartmentalized into the six months we weren't traveling. Something involving our semester-by-semester Lifelong Learning program (OLLI) seemed to be the obvious answer, but what to do exactly?

I knew I wanted to teach, having enjoyed teaching product and sales processes in my prior occupation, but teach what exactly? The problem with our Lifelong Learning program is that there are a lot of very smart people in it, like doctor, lawyer, judge, engineer and scientist smart, and I struggled to figure out what I could possibly offer that would have value. 

My first step was to begin attending committee meetings in a variety of areas to see what struck a chord. The first few didn't feel quite right for a variety of reasons, but when I sat down at my first Computer Education committee meeting I knew I'd come home. That first meeting was just like the many IT meetings I attending during my working years, but for a much better cause than simply increasing revenue - the goal here was to enhance peoples' lives by helping to improve computer skills in areas that were important, personally, to them.

I really enjoy computers. I enjoy staying up to date on technology, and am a heavy user of Microsoft products, Adobe products, Google docs, social media and social networking. When I mentioned this to the computer education committee as part of my introduction, I received much encouragement to consider offering a class on one of the last two, which is how an OLLI course in Social Media 101 was born.

The class kicked off last week, and to say I was nervous would be an understatement. What if no one showed up? What if I discovered I didn't know as much as I thought I knew about Social Media?

To my surprise, the class was standing room only at the designated start time. It turned out that there are a lot of older individuals that feel shut out of their family's lives because of their family's heavy usage of a medium they don't yet really understand. As a result, I'm finding it so rewarding to disassemble and explain step by step how to use sites like Twitter, Pinterest and Facebook to establish closer family connections, and possibly enhance their lives in other ways as well by bringing them closer to friends, and even causes, they care about. Their enthusiasm in return has been so wonderful, and so rewarding, that I returned home determined to figure out how to bring even more interesting stuff to them going forward. One woman, in particular, touched my heart as she tearfully explained how isolated she had previously felt at not being able to understand how to utilize Social Media to view her far-away daughter's frequent video and photo postings of her young grandchildren.

My involvement in the program will expand next semester to include a class on Microsoft Word, which I'll be teaching in conjunction with a Life Storybook course that focuses on helping OLLI members write their life stories. I'm looking forward to lending technical assistance to those interested in learning how to present their stories in an aesthetically pleasing manner that can then be electronically shared or printed for the purpose of preserving and passing them down to future generations. 

In the meantime, I'm working one-on-one with a gentleman that is trying to document his life story while clearly beginning to lose his mental cabilities. I can tell from the document he is working to transcribe, that he was a CPA previously, and to now watch him struggle to perform the simplest of computer tasks is a humbling reminder of what the aging process can do. And yet, every Friday he's waiting for me with the biggest of smiles, and the most appreciate of attitudes. If he only knew that I'm walking away with far more than I could possibly be hoping to leave him with.

And while I understand that none of these things are going to change the world significantly in and of themselves, I'd like to think that they are significantly meaningful to the individuals being affected. For now, that's more than good enough for this early retiree.

Tuesday, October 15, 2013

How Did We Know We Were Ready For Early Retirement?


I received a very thoughtful email this morning from a reader asking some very pertinent questions about how we knew we'd reach the point where we were ready to enter early retirement. After reading the email, I reached out to the author requesting, and subsequently receiving, permission to respond to the email via my blog, because I think the questions asked have broad appeal for others likewise considering early retirement. 

Here are the questions, followed by my responses.

Did you feel certain that you were making the right choice at the time, or did you have some doubts as we do?  
Oh my goodness, yes, I had many doubts, but I kept returning to the point of recognizing that I had lost all my passion for my job, and that increasingly I was just going through the motions at work. When I got to the point of literally dreading the sight of my office, I knew something had to change. I wasn't 100% sure that early retirement was going to be the answer, but I did know 100% that leaving my job was the first step.
Conversely, Mike seemed to have pretty much no doubts. He'd been ready to go several years before me, but held off until I got to a place of acceptance on his decision. His salary was much bigger than mine, and letting go of it was very scary for me.
Did you toy with the idea for a long time, and analyze it to the nth degree, before actually handing in your resignation? 
It took me two years to work my way through the entire process. About one year in I negotiated a cutback in hours, going from five to four days a week. That took a little pressure off of my dissatisfaction at work, but I still felt pressured to stay on top of things on my off days, due in large part to the constant buzzing of my BlackBerry. I finally realized that nothing I might do was going to cause me to become excited about my job again, and that's when I knew I was finally ready to to tender my resignation.
What about financially... Did you "know without a doubt" that you had enough money set aside to do all the things you wanted to do?
It took three years and three independent financial check-ups before we reached a point of confidence that the lifestyle we wanted could be achieved within our portfolio, and that the portfolio would last throughout our lives. We worked with 1) an online financial program, 2) our assigned account manager at the investment firm handling a portion of our portfolio and 3) with a privately hired financial advisor. 
During that three year process, we established our retirement budget, and 'practiced' living on it for a year first. In hindsight, that turned out to be an excellent decision. It created a change in how we viewed our spend, but it wasn't negative. We actually found that by knowing how much we had to spend in any given category on any given day, we were much more conscious about our decisions, and experienced greater overall satisfaction as a result.
Did you face that paralysing fear of "what if we make the wrong choice?  If we run out of money, or realise that having an extra 70 hours free in the week isn't actually as good as we thought it would be".  If so, how did you move past that?
Because we set up a practice retirement budget a year in advance, we were able to identify and eliminate a lot of waste, which resulted in driving down our fixed expenses to less than 50% of our annual spend. That gives us a lot of leeway should something ever go terribly wrong in the financial arena. We also have additional contingency plans, such as moving to a smaller home or taking out a reverse mortgage. Neither are actions we anticipate taking, but both are available to us should it become necessary. We're also pulling out considerably less than the prevailing retirement withdrawal rule of 4%. We should actually be in the position of increasing our withdrawal rate once the first of us reaches Social Security and Medicare age, which is kind of exciting.
Plus we could always return to work should it become necessary. We wouldn't need to earn salaries anywhere close to what we earned before to cover our living expenses. Two entry level jobs would be more than adequate.
Creating a new set of routines and hobbies to fill our time was a multi month process, but there were no concerns that we'd run out of things to do. It was more a matter of finding the right things. Currently we have no shortage of things we enjoy doing, but we do sometimes have a shortage of energy! 
The above questions are, I think, pretty universal. If any of you reading this would like to provide additional thoughts or perspectives, please do so. I'm sure we'd all benefit.

11 comments:

  1. Great post Tamara. I agree that these kinds of concerns are very common prior to retirement. It's been ~ 9 months for me, so my observations are from a relatively short time period.

    I so agree on the importance of having a good financial advisor to help sort out the complicated issues of budgets, portfolio mix, withdrawal rates etc. And, the ace in the hole is knowing that we have options (back to work, reverse mortgage, smaller house) were the market to crash. While we too are concerned about what the market will do now that the government is possibly going to default (!), we will not lose sleep over it, knowing that eventually the market will very likely recover, and, we have other options to keep us afloat financially.

    I'm not a very imaginative person, so prior to retiring, I tried to imagine what it would feel like and what my days would look like. The newfound joy of life unfettered is absolutely amazing and way better than I ever imagined! And I am still in the "discovery phase" of figuring out this new life, so I expect several more surprises along the way! My husband and I share a lot of the same interests. We enjoy spending time together, sharing our love for physical activity, but we also have our separate interests/friends as well. It's a good mix that works for us.

    I agree that doubts are VERY normal, and actually are an indication that you are giving some very good thought to all the pertinent issues. I think it is all part of a very helpful process of preparing for retirement. So to your reader, I would suggest that s/he not be paralyzed by the doubts, but look at them as a way of preparing for this very important time of life.

    Reply
  2. Tamara, I believe this post may turn out to be one of your top 10 posts. Earlier this year when I was researching early-retirement, I came across your blog. For me, your entry where you define budget categories by percentage was most helpful. It turns out your percentages are very close to my projected budget percentages and that helped validate my goal of early-retirement. I continue to use your percentages as a reference benchmark. I must thank you again for sharing that information. My wife continues to work until mid-2014, so I will continue to fine tune our budget.

    Other resources that I have used which may also be beneficial to your readership are as follows; if you are a Vanguard customer the Voyager team can provide a no cost financial plan, the online tool FireCalc, the T Rowe Price FuturePath tool, and other early-retirement blogs.

    I set up an Excel workbook including a spreadsheet defining by year our projected assets. Like you, I am using the safe withdrawal rate of 4%. I’m planning to be just under 4% for the first several years, then below 3% after that. The projection also includes an inflation rate of 3% and a return of 5% annually. I’m curious what were your projected rates of return?

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  3. Your reader asked, and you answered the most important and often-asked questions about retirement. Anyone who needs reassurance and a game plan to follow only needs to take to heart what you and Mike did. Well done.

    One major part of our long term retirement plan Betty and I have is no mortgage on our home. We have 100% of the equity for future housing and other expenses that may surprise us. That feels really good!

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  4. Excellent post Tamara. We followed a similar approach when we decided to consider retirement. Terry set up a very detailed budget and tracked every single expense to see what we were spending our money on. Some were surprises but most weren't as we have always worked off of budgets and mostly been frugal. We continue to do this even in retirement, with him tweaking categories as we go.

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  5. Very interesting topic. I am thinking about retiring at 45 (in one years time).
    Having tracked expenses and squirrelled away every spare penny over the past 15 years I know I could exist financially, but I worry about losing focus and dare I say it, getting bored. When I read Tamara's post "50 things to celebrate turning 50", I looked back over my past 12 months and can honestly say that I have ticked off a similar list of items from my bucket list - while also working. I am very driven and while I hanker for spending more time on the activities I love, I fear having so much time would result in me eventually getting lazy, allowing things to take longer, achieving less, then getting bored. I look at my parents who can spend an entire day shopping for groceries, or watching TV, and I feel it is a shameful waste of their time. Has that happened to any of you?

    Reply