"Life begins at retirement."  -Author Unknown

 

   


Retired--Next Phase 

Retirement - the Best Phase of your life!   

 

 Ed and Gail
       Ed Topar and Gail Cassidy


March 1, 2016
        
Issue #6, Volume 3       

 
Following three taps on the door to his burrow, the famous Punxsutawney Phil emerged in February from his winter's den and DID NOT see his shadow! Legend states that no shadow means we can expect an early spring.

Even if we experience intermittent blasts of winter in this transition month of March, at least we had a momentary respite from the cold with the warming "thought" of an early spring. 

As you read our interview this month with Richard, you will feel warmth reading about his chosen locations and perhaps feel a bit envious!

You will also have some good investment recommendations, if you choose to follow them!
 
Happy March!!
Ed and Gail
 
 

 
Richard - Fantastic Attitude
         
sunny-beach-view.jpg

Were there ever a perfect candidate to enjoy retirement, the young man (only retired for two years) I interviewed today would be my choice. As to why I would make so bold a statement, it is because of that intangible but controllable factor in all of our lives--and that factor is ATTITUDE. Richard has a fantastic attitude!

Richard was drafted into the Army at age 19, went to Vietnam, met and married a beautiful Vietnamese gal who, 50 years later, is still an ageless beauty. Richard and his bride, Thuy, returned to northern New Jersey where they raised their daughter; then they made their decision to move to what they considered paradise - Hawaii. As Thuy described their home, the ocean was in the front yard and a golf course in their back yard.

Richard worked for the State of Hawaii, Department of Labor and Industrial Relations, as an accountant and auditor for the Oahu Branch and taught accounting at two local colleges.

When I asked why they left Hawaii to come to Florida, he gave four reasons:
1) Expense--Hawaii is a very expensive place to live;
2) Limited travel opportunities on the Island;
3) Being closer to their daughter, and most importantly,
4) Friends. In Florida, Thuy has a large contingent of Vietnamese friends, and Richard has a large contingent of their GI husbands.

Thuy and her friends meet frequently each week--for karaoke, cards, Vietnamese food cooking, going to art shows, local entertainment, and so much more. Likewise, Richard and his buddies hang out together--watch football, go to the movies, go to a lecture, or just hang out.

Another frequently stated necessity for a happy retirement is FRIENDS! Richard attributes a huge part of enjoying retirement to his friends. As he said, "No friends, no activity."

Richard appears to be an easy going, warm, easy-to-talk-to, good-looking man who totally enjoys being around people and doing things. He plays in a senior softball league where their pitcher is 94! He enjoys cruises because there is so much to do, so much to see, and so many new people to meet.

What Richard most values in his retirement are two things in particular: no time table and more opportunity to travel. From their early days of taking cruises on small ships, they have graduated to large, luxurious ships which they hop on whenever they can. Being flexible in order to travel is one reason Richard hasn't continued teaching college courses in the area.

The only thing he misses in his retirement are the people he worked with--what he called his "second family."

His more serious involvement is helping with the Wounded Warrior Project, a natural selection for someone who served in battle. He would also like to get back into coaching--as long as it didn't interfere with his travel, especially cruise schedules.

Richard hadn't thought about retirement until the time came. He didn't realize how different it would be being home home 24/7 and the effect it would have on his wife who was used to her freedom. Obvious adjustments had to be made.

When asked what advice he would give to those considering retirement, he said, "Enjoy yourself, and do it with friends." And he does what he advises.
 
OBSERVATIONS

We have interviewed a number of people, and among the most mentioned pieces of advice that always seems to rise to the top are:
1) Attitude--how you choose to respond to retirement and
2) Friends--people with whom you can enjoy your retirement.

Our findings from the interviews we have had over the years are not reinventions of the wheel. Common themes constantly emerge just as constant themes arose for palliative nurse, Bonnie Ware, who wrote the book, The Five Regrets of the Dying, in which she lists the five regrets:

- Be true to yourself. Live a life true to you. (Retirement offers that opportunity.)
- I wish I hadn't worked so hard. (Make up for that lost time now-in retirement!)
- I wish I'd had the courage to express my feelings. (You can now.)
- I wish I had stayed in touch with my friends. (Perfect-rekindle old friends and make new ones!)
- I wish I had let myself be happier. (Now's the time!!)

I started with the importance of ATTITUDE which Richard exemplifies, and I end with The Five Regrets you can remedy while you are healthy--with ATTITUDE!

As Wade Boggs said, "A positive attitude causes a chain reaction of positive thoughts, events and outcomes. It is a catalyst, and it sparks extraordinary results." And it makes retirement a wonderful phase of our lives!
 
Number One Song on the day you were born

This one's a fun keeper.  It plays the song that was Number One on the day you were born. And, if there is a video available with the artist, it will play it for you. This is really a fun site. Enjoy the show.
 

A Silver Lining to Aging: HAPPINESS Headline



  DAILY QUOTES FOR THE MONTH Article Headline
  
MONDAY
"We become what we think about most of the time, and that's the strangest secret." - Earl Nightingale
 
TUESDAY
"Motivation is what gets you started. Habit is what keeps you going." - Jim Rohn
 
WEDNESDAY
"I've learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel." -Maya Angelou
 
THURSDAY
"Enjoy the little things, for one day you may look back and realize they were the big things." - Robert Brault
 
FRIDAY
"If you want to turn your life around, try thankfulness. It will change your life mightily." - Gerald Good
 
SATURDAY
"No one can make you feel inferior without your consent." - Eleanor Roosevelt
 
SUNDAY
"The best way to predict the future is to invent it." - Alan Kay

    

CAN YOU NAME THE YEAR?
          
CAN YOU NAME THE YEAR?

- Minimum hourly wage is = $1.00
- Black and white TV costs = $99.95
- U.S. begins military intervention in Iran
- "Mickey Mouse Club" debuts on TV
- The popular western series "Gunsmoke" debuts on TV
- Disneyland opens in Anaheim, California
- "In God We Trust" is added to all U.S. paper currency
- Ray Kroc starts the McDonald's fast food restaurant chain
- James Dean gains legendary stardom in the film "Rebel Without A Cause"
- U.S. launches the first nuclear powered submarine

SEE ANSWER IN NEXT BLOCK

A BIT OF HUMOR

A few years ago, I learned a very good lesson about financial retirement planning that I would like to share with you.....

At that time, I was considering buying some apparently attractive stocks, but with a little patience and insight I found the following to be true instead.

If I had bought $1,000 of Nortel stocks, I would have had $49 at the end on one year. If I had bought Enron stocks, I would have had $16.50 left at the end of that year. With $1,000 of World Com stock I would have had $5 left at the end of one year.

However, if I had bought $1,000 of my favorite beer in aluminum 6-packs, drank the beer, and turned in the cans to be recycled for a refund at the end of the year, I would have $214 left along with some great memories...You're welcome!
 

   -----------------------------------------------------------------------             
The answer to "Can You Name the Year" is 1955.

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Gail Cassidy, gail@coachability.com; (908) 654-5216
http://www.Retired-NextPhase.com

Ed Topar, edtopar@gmail.com 

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