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  #281  
Old December 14th, 2013, 01:34 PM
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SandraDJ SandraDJ is offline
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I'd retire tomorrow if I could!

I am entitled to claim my state retirement pension in September 2014, so am in the process of considering the options.

If I do take my pensions, I'll try to find a part-time job to top up my income, or take on short contracts.
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Queen Elizabeth - June 2012
NCL Jade - January 2013
Adventure of the Seas - November 2013
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  #282  
Old December 14th, 2013, 04:59 PM
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I was reading some of the original postings on this thread that was started several years ago.

One thing that struck me is the number of people who put off until retirement all the things they want to do and places they want to see.
My best friend and I have been traveling together for more than 10 years. We take 2 or 3 trips each year, some land based, some cruises. I have 5 weeks paid time off each year, and having basically good health have used it almost all as vacation, not sick or mental health days as I see so many of our coworkers do.
I've said I like traveling now while I still have an income.

So retirement isn't going to increase my travels but will increase my time to enjoy other things.
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  #283  
Old December 14th, 2013, 07:23 PM
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Nope, not for me. I'm 63 and have a great job that I love. I get 6 weeks vacation and work from home, so no plans to retire in the near future.
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Overview of the past few years
2011
January - Navigator OTS -7 nts, W Caribbean
March -Carnival Fantasy - 6 nts, Bahamas & Key West
May - Millennium, 10 nts, Pacific Coastal
November - Golden Princess, 14 nts, Hawaii

2012
April - Liberty OTS - 14 nts, Transatlantic
October - Carnival Fantasy - 7 nts E Caribbean

2013
March - Carnival Glory - 7 nts, W Caribbean
October - Oasis OTS - 7 nts, Eastern Caribbean

2014
February - Carnival Liberty - 7 nts, W Caribbean
August - Star Princess - 11 nts Alaska
December - Westerdam - 7 nts E Caribbean "Dancing with Stars" theme cruise
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  #284  
Old December 20th, 2013, 06:34 PM
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Quote:
Originally Posted by herbanrenewal View Post
I was reading some of the original postings on this thread that was started several years ago.

One thing that struck me is the number of people who put off until retirement all the things they want to do and places they want to see.
My best friend and I have been traveling together for more than 10 years. We take 2 or 3 trips each year, some land based, some cruises. I have 5 weeks paid time off each year, and having basically good health have used it almost all as vacation, not sick or mental health days as I see so many of our coworkers do.
I've said I like traveling now while I still have an income.

So retirement isn't going to increase my travels but will increase my time to enjoy other things.
One reason I travel so much now before I have retired is that my dad died shortly before he was supposed to retire of pancreatic cancer in his early 50's. So I had decided way back to fill up my bucket list real early!! So far so good!! Done many land trips, over 20 cruises, and I've been to Europe twice. I will be retiring at the end of 2014!! 29 weeks in teacher talk!!
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  #285  
Old December 21st, 2013, 05:00 AM
HImom HImom is offline
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My H retired after over 45 years with his employer and so far is LOVING it! I'm gradually moving closer to retiring as well, as I enjoy being with him and am finding it increasingly frustrating to make the changes I've been working at with so little support from others.

It is wise to consider your family profile and risks in assessing your relative health and planning accordingly. We always wanted to travel with our kids, from the time they were young (6 months), and fortunately have been able to do so.

We do expect we may be able to take more and longer trips as we have more unscheduled time. We will likely be spending more time with my aging parents and loved ones as well.

Having choices and being able to remain in a loved job OR retire as one chooses is such a wonderful position to be in!
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  #286  
Old December 30th, 2013, 11:15 AM
beshears beshears is offline
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Quite some time ago I replied on this forum of "thinking" of retiring next year in February. I have been in the hospital 6 times within the past two years, and February 23rd would be a "year" since I have been out of the hospital, thank God!!! I will be 71 in February and having been working for a large corporation over 15 years. I love my job, but my 3 sons have been wanting me to retire for a long time. I wanted to retire in some ways, but I felt like I would be LOST. I had a long talk with my 3 sons individually, and "eventually" I was able to make them understand that I really need to keep working, but.............if I wound up in the hospital like I had within these past two years, I would retire. Yes, there are things like traveling I like to do, and I do do this, but as for staying home, that would be hard on me.
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  #287  
Old January 4th, 2014, 09:26 AM
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With all the changes in Education in our state, DH would love to retire from teaching now, but realistically won't be able to until the end of the 2016-2017 year. this seems a long way off, so we are counting by months. Right now we are at 35 months. Doesn't sounds so bad. Less than most car notes.
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  #288  
Old January 5th, 2014, 12:05 PM
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Default I've retired

twice . . . . . from the Air Force in 1981 and from a high stress job with a utility company in 2001 at the ripe old age of 58. Figured that retiring early would add many years to my life - so far it's worked out very well!

I've not missed working at all.

Don't wait until it's too late to enjoy retirement - that is if you can afford to do so.
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  #289  
Old January 5th, 2014, 01:05 PM
Priya2 Priya2 is offline
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Quote:
Originally Posted by Wifflebat View Post
twice . . . . . from the Air Force in 1981 and from a high stress job with a utility company in 2001 at the ripe old age of 58. Figured that retiring early would add many years to my life - so far it's worked out very well!

I've not missed working at all.

Don't wait until it's too late to enjoy retirement - that is if you can afford to do so.
Sounds good I find deciding when we can afford it isn't straightforward though. I guess most of us will have a more modest monthly income when retired. Most will have to be more careful with 'the £/$', but when is the lower income enough, or too little?

I'd love to hear how others decided this.
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  #290  
Old January 6th, 2014, 04:18 AM
HImom HImom is offline
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It depends on several factors. One of the most important is what source(s) of income will you have once you retire AND how much do you NEED to live at the lifestyle you prefer in retirement. If one or both of you have earned any pension, how much does it pay and when does it begin and end? How sure are each of you that it will be paid? Can / will either or both of you work at all during retirement and how hard or easy will it be to get an income?

What are projected future expenses--housing, medical, supporting kids and or parents or other loved ones?

For us, it was fairly straight forward. H worked for the federal government for 45 years and has a defined benefit pension from the date he retired, plus a small COLA. When he dies, I will get 55% of his pension for the rest of my life. We will both have medical insurance (which we pay a portion and former employer pays a portion) for the rest of our lives.

We paid off our house and paid off our kids educations. His folks have died and mine are financially very comfortable, as are our sibs. We live on less than his pension pays and we have some investments as well. If he kept working, his pension would DECREASE. We decided that 45 years was long enough and have been very happily enjoying H's retirement. I am working fewer and fewer hours at my part-time job as well. We are very satisfied that we have made a good choice economically at this point in our lives.
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  #291  
Old January 8th, 2014, 12:03 PM
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I have 20 more hump days until I retire. Yay!


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Past Cruises:
Enchanted Capri, Commodore Cruise Line, June 1998, Rhapsody of the Seas 2/26/2006, Rhapsody of the Seas 5/28/2006 (alt. route), NCL Norwegian Sun 12/31/2006, Radiance of the Seas, Alaska, 5/18/2007, Adventure of the Seas, Southern Caribbean, 3/9/2008, Celebrity Solstice, Eastern Caribbean, 12/14/2008, Voyager of the Seas, Western Caribbean, 3/8/2009, Explorer of the Seas, New England and Canada, 10/15/2009, Oasis of the Seas, Eastern Caribbean, 3/13/2010, Mariner of the Seas, Mexican Riviera, 12/5/2010, Navigator of the Seas, Caribbean, 2/3/2011, Allure of the Seas, Eastern Caribbean, 3/20/2011, Freedom of the Seas, 6/26/2011, Voyager of the Seas, 11/26/2011, Monarch of the Seas, 3/23/12, Mariner OTS, Mediterranean/Holy Lands, 10/20 to 11/3/12, Navigator of the Seas, 12/29/12, Allure of the Seas, 4/7/2013, Serenade of the Seas, 12/12/13 , Navigator of the Seas, 3/23/14 Navigator of the Seas, May 25, 2014 (alternate route)

Upcoming Cruises:

Oasis of the Seas, Transatlantic, October 14, 2014
Quantum of the Seas, 12-day So. Caribbean, April 12, 2015
Allure of the Seas, Transatlantic, October 25, 2015

Quantum of the Seas Website, April 12, 2015
http://Quantum2015.weebly.com

Cruise Critic Allure TA, October 2015 website
http://AllureTA.weebly.com
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  #292  
Old January 8th, 2014, 02:28 PM
Priya2 Priya2 is offline
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I have 20 more hump days until I retire. Yay!


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Are hump days, work days?
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  #293  
Old January 8th, 2014, 02:43 PM
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Originally Posted by internetwhiz View Post
I have 20 more hump days until I retire. Yay!


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I love that!!! I've got 29 hump days left...lol. Haven't got my official paper work in and I'll have to see what I can do with vacation days, but that is close enough!!
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March 2015 Pearl, July 2014 Getaway, March 2014 Jewel, November Navigator 2013, Breakaway May 2013, Navigator Feb. 2013, Star Nov. 2012, Gem July 2012, Spirit Feb. 2012, Navigator 2011, Spirit 2011, Epic 2010, Explorer 2009, Spirit Feb. 2008, Spirit Nov. 2008, Star May 2007, Navigator 2005, Rhapsody 2005, Conquest 2004, Monarch 2004, Rhapsody 2003, Brilliance 2002, SS Independence 2000, Splendour 1998, Nordic Empress 1994, Nordic Empress 1993


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  #294  
Old January 8th, 2014, 02:46 PM
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Are hump days, work days?
They are for me, but I usually meet friends on Wednesdays at a Mexican restaurant. Half of them are retired, so I'll be celebrating my countdown on humpdays with friends! (They will probably get sick of it quick...lol!)
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March 2015 Pearl, July 2014 Getaway, March 2014 Jewel, November Navigator 2013, Breakaway May 2013, Navigator Feb. 2013, Star Nov. 2012, Gem July 2012, Spirit Feb. 2012, Navigator 2011, Spirit 2011, Epic 2010, Explorer 2009, Spirit Feb. 2008, Spirit Nov. 2008, Star May 2007, Navigator 2005, Rhapsody 2005, Conquest 2004, Monarch 2004, Rhapsody 2003, Brilliance 2002, SS Independence 2000, Splendour 1998, Nordic Empress 1994, Nordic Empress 1993


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  #295  
Old January 8th, 2014, 04:45 PM
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Are hump days, work days?
Yes. They are Wednesdays. I have 20 more Wednesdays.


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Past Cruises:
Enchanted Capri, Commodore Cruise Line, June 1998, Rhapsody of the Seas 2/26/2006, Rhapsody of the Seas 5/28/2006 (alt. route), NCL Norwegian Sun 12/31/2006, Radiance of the Seas, Alaska, 5/18/2007, Adventure of the Seas, Southern Caribbean, 3/9/2008, Celebrity Solstice, Eastern Caribbean, 12/14/2008, Voyager of the Seas, Western Caribbean, 3/8/2009, Explorer of the Seas, New England and Canada, 10/15/2009, Oasis of the Seas, Eastern Caribbean, 3/13/2010, Mariner of the Seas, Mexican Riviera, 12/5/2010, Navigator of the Seas, Caribbean, 2/3/2011, Allure of the Seas, Eastern Caribbean, 3/20/2011, Freedom of the Seas, 6/26/2011, Voyager of the Seas, 11/26/2011, Monarch of the Seas, 3/23/12, Mariner OTS, Mediterranean/Holy Lands, 10/20 to 11/3/12, Navigator of the Seas, 12/29/12, Allure of the Seas, 4/7/2013, Serenade of the Seas, 12/12/13 , Navigator of the Seas, 3/23/14 Navigator of the Seas, May 25, 2014 (alternate route)

Upcoming Cruises:

Oasis of the Seas, Transatlantic, October 14, 2014
Quantum of the Seas, 12-day So. Caribbean, April 12, 2015
Allure of the Seas, Transatlantic, October 25, 2015

Quantum of the Seas Website, April 12, 2015
http://Quantum2015.weebly.com

Cruise Critic Allure TA, October 2015 website
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  #296  
Old January 8th, 2014, 05:11 PM
Priya2 Priya2 is offline
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Originally Posted by internetwhiz View Post
Yes. They are Wednesdays. I have 20 more Wednesdays.


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Sorry to sound dumb, do you mean you only work Wednesdays?
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  #297  
Old January 8th, 2014, 05:16 PM
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Quote:
Originally Posted by Priya2 View Post
Sorry to sound dumb, do you mean you only work Wednesdays?
No I work every day. Are you from the US? Wednesday is called hump day because it gets you over the "hump" of the workweek. Google the GEICO camel commercial.

It's Wednesday. Ergo, hump day.


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Karen and Bill
(internetwhiz and dirkpitt)

Past Cruises:
Enchanted Capri, Commodore Cruise Line, June 1998, Rhapsody of the Seas 2/26/2006, Rhapsody of the Seas 5/28/2006 (alt. route), NCL Norwegian Sun 12/31/2006, Radiance of the Seas, Alaska, 5/18/2007, Adventure of the Seas, Southern Caribbean, 3/9/2008, Celebrity Solstice, Eastern Caribbean, 12/14/2008, Voyager of the Seas, Western Caribbean, 3/8/2009, Explorer of the Seas, New England and Canada, 10/15/2009, Oasis of the Seas, Eastern Caribbean, 3/13/2010, Mariner of the Seas, Mexican Riviera, 12/5/2010, Navigator of the Seas, Caribbean, 2/3/2011, Allure of the Seas, Eastern Caribbean, 3/20/2011, Freedom of the Seas, 6/26/2011, Voyager of the Seas, 11/26/2011, Monarch of the Seas, 3/23/12, Mariner OTS, Mediterranean/Holy Lands, 10/20 to 11/3/12, Navigator of the Seas, 12/29/12, Allure of the Seas, 4/7/2013, Serenade of the Seas, 12/12/13 , Navigator of the Seas, 3/23/14 Navigator of the Seas, May 25, 2014 (alternate route)

Upcoming Cruises:

Oasis of the Seas, Transatlantic, October 14, 2014
Quantum of the Seas, 12-day So. Caribbean, April 12, 2015
Allure of the Seas, Transatlantic, October 25, 2015

Quantum of the Seas Website, April 12, 2015
http://Quantum2015.weebly.com

Cruise Critic Allure TA, October 2015 website
http://AllureTA.weebly.com

Last edited by internetwhiz; January 8th, 2014 at 05:17 PM.
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  #298  
Old January 8th, 2014, 05:19 PM
Priya2 Priya2 is offline
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Quote:
Originally Posted by internetwhiz View Post
No I work every day. Are you from the US? Wednesday is called hump day because it gets you over the "hump" of the workweek. Google the GEICO camel commercial.

It's Wednesday. Ergo, hump day.


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ahh, I see. No, I'm in the UK. We just love Fridays
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  #299  
Old January 8th, 2014, 05:24 PM
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Quote:
Originally Posted by Priya2 View Post
ahh, I see. No, I'm in the UK. We just love Fridays
Maybe you can start hump day in UK.


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Karen and Bill
(internetwhiz and dirkpitt)

Past Cruises:
Enchanted Capri, Commodore Cruise Line, June 1998, Rhapsody of the Seas 2/26/2006, Rhapsody of the Seas 5/28/2006 (alt. route), NCL Norwegian Sun 12/31/2006, Radiance of the Seas, Alaska, 5/18/2007, Adventure of the Seas, Southern Caribbean, 3/9/2008, Celebrity Solstice, Eastern Caribbean, 12/14/2008, Voyager of the Seas, Western Caribbean, 3/8/2009, Explorer of the Seas, New England and Canada, 10/15/2009, Oasis of the Seas, Eastern Caribbean, 3/13/2010, Mariner of the Seas, Mexican Riviera, 12/5/2010, Navigator of the Seas, Caribbean, 2/3/2011, Allure of the Seas, Eastern Caribbean, 3/20/2011, Freedom of the Seas, 6/26/2011, Voyager of the Seas, 11/26/2011, Monarch of the Seas, 3/23/12, Mariner OTS, Mediterranean/Holy Lands, 10/20 to 11/3/12, Navigator of the Seas, 12/29/12, Allure of the Seas, 4/7/2013, Serenade of the Seas, 12/12/13 , Navigator of the Seas, 3/23/14 Navigator of the Seas, May 25, 2014 (alternate route)

Upcoming Cruises:

Oasis of the Seas, Transatlantic, October 14, 2014
Quantum of the Seas, 12-day So. Caribbean, April 12, 2015
Allure of the Seas, Transatlantic, October 25, 2015

Quantum of the Seas Website, April 12, 2015
http://Quantum2015.weebly.com

Cruise Critic Allure TA, October 2015 website
http://AllureTA.weebly.com
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  #300  
Old January 8th, 2014, 05:48 PM
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cateyes2u cateyes2u is offline
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I retired 2 years ago and love my free time. I also loved my job, but have no regrets.
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