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Showing posts with label retire. Show all posts
Showing posts with label retire. Show all posts

Saturday, March 29, 2014

Three verses of Sinatra, and a cloud of dust (on the Streets of Cuenca, Ecuador)

Woody Hayes. Ohio State University. Listen up from heaven. You're being honored this morning on the streets of Cuenca, Ecador, about ten yards and a cloud of dust across the New Cathedral on Calle Sucre.

"Three yards and a cloud of dust." Your famous quote comes quickly to mind as a neatly-dressed, middle-aged Cuencano weakly belts out Frank Sinatra and tunes of other American singers, backed up by his small, black keraoke box. 

Frank Not-So-Hoststra, as my dad would say

Most people don't drop a dime into the hard-working man's plastic cup that he holds in his non-microphone hand. But I do -- at least once every two weeks or so, when I'm on my way to having lunch at Don Colon's restaurant, a block away from the flower market. The street singer is halfway to my intended destination.

See, the guy has guts and perseverance, something my dad wanted to make sure that all three of his girls acquired. Sure, he'd wanted a boy and never got one. But he took his girls to football games at Oregon State, and talked to us about giving the old college try and how working at something is more important than relying on talent. Trying your damnedest is what's most important, he'd say. We never left until the game was over. It paid off, too, when Terry Baker was the star quarterback.

Of course my dad liked Hayes because Woody believed in gutting it out. So I know that you, Woody,  would have appreciated this street singer. He comes to work day after day. Sings in good weather. Sings when it rains. He doesn't have much talent but he sure gives it the old college try. This, he does, in a developing country where jobs are few and opportunities rare for a person who does not come from wealth.

Three verses of Sinatra, and a cloud of dust!  Or guts? That's what this singer relies on. And some times, it works! Like today, when I passed by and stopped to listen for as long as I could stand it, before dropping a fifty-cent piece into his cup.
___

If you don't know: Hayes's Buckeye squads often faced off in a fierce rivalry against the Michigan Wolverines coached by Bo Schembechler, a former player under and assistant coach to Hayes. That stretch in the Michigan–Ohio State football rivalry, dubbed "The Ten Year War," saw Hayes and Schembechler's teams win or share the Big Ten Conference crown every season and usually each place in the national rankings.
Hayes was famous for his three yards and a cloud of dust philosophy for offense. Writes football expert, John Paul, Hayes' idea was that when you passed the ball three things could happen, and only one of them was positive for your team. "The pass would be incomplete, it would be intercepted, or your player would catch it and advance the ball. This 33% chance of success was not one that Coach Hayes wanted to bank on, and as a result he broke down the yards needed for a first down (10) and developed the idea that each time the ball is snapped you only need to advance three yards." 


Tuesday, November 5, 2013

It was the "damned gate" that caught my attention. (Surprising words from a Mississippi debutante trainer)

It took a year to create and write The Plan--and get it into publication. I came up with the idea many years ago, when living in Mississippi, but didn't have the needed time to really think about and develop the plot or complete the project until I retired and moved to Cuenca, Ecuador. 

This morning I was thinking about how this book came about. 
It’s a good story, in itself!
*****

The "damned" gate

I was a passenger in her car and we were on the way to Parchman Penitentiary. This infamous Mississippi Delta prison was where my psychologist husband worked, and we lived on the grounds. I’d met “Ella” in the small town of Drew. And she seemed like a nice lady. 

Actually, I’d found myself feeling sorry for her, since she confided she was on a third marriage. She was not particularly attractive, and as I would learn she probably went through a lot of his money. Not on frivolous things, but doctor visits—lots of those, for various ailments—but also on her hobby. She liked to help prepare young girls for their debuts.

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The Plan is available at Smashwords in various formats including Kindle and ibooks
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THE YEAR WAS 2004. There weren’t many formal coming out parties taking place anymore, she confessed, but it was still important for her house to be pretty, "just in case." Drapes are expensive no matter where you live, and she’d recently had to replace not only the living room window furnishings but her carpets. The girls would be coming to her house, if she was able to pick up a parent or two as clients this spring. Plus, she was in charge of her town's Culture Club. Another reason to spend money on her home and yard. The flowers had to look good, of course, because the club held monthly meetings in her home.

We’d just left the small town of Drew, and I noticed something to the left, just off the highway. A white metal fence, halfway open, with kudzu vines growing on it. A couple of tall pilings were behind the gate.

“What’s that?” I asked Ella. I was always curious about anything new or different that I’d spot in this unfamiliar region. Living in Mississippi was a new experience. We’d moved there from Nevada with no preconceptions and it turned out a fascinating place to be. A part of the country we’d never visited. In fact, when I first heard about our possible move, I thought the “Delta” would be down on the coast, but found it to be a stretch of land along the Mississippi River, from Memphis to Vicksburg.

“The damned gate? It was going to be a home,” Ella began.

Her cursing hit me by surprised. But I didn't react. I wanted to hear what else she had to say. I settled back in my car seat, ready for her story. But it was far shorter than I’d expected.

Brief, in fact.

“He was a bad man. A lawyer. He was murdered.

Damn, if I didn’t want to hear more. I always like a good story. But Ella said she didn’t want to talk anymore about it. I had to learn why. 

Ella dropped me off at our home, an old red brick house that wasn’t very far away from the gas chamber. Thank God it was not being used in those days. She didn’t want to stop for coffee. Had to get back because her cleaning lady was due to arriv, she explained.

I started that afternoon trying to learn who’d been murdered and why. It only took one call, to a Drew minister I’d recently met, to get the basics.

“That would be Cleve McDowell, the first black law student to enter Ole Miss. He got kicked out!”

The Reverend was a friend. He told me some of the Cleve McDowell story that day, but it took a few months to drag it all out. I had a feeling that I was the first person to learn the whole story, that is, as much of the story that is known. Of course I had to dig through old records, lie a little bit to some courthouse clerks, and track down other several older people to learn as much as I could

Cleve McDowell would be the main character Clinton Moore in The Plan. I changed dates and location but not much else, at least in the beginning of the book. I wanted to be as close as possible to the history. (Next, I’ll write about his friend who was also murdered (“Joe Means”) who is also based on a real person.)



Here’s a link if you want to read the nonfiction book, WhereRebels Roost; Mississippi Civil Rights Revisited. You can read it free online! It’s huge, and tells quite a bit about the civil rights history of the Mississippi Delta. Cleve McDowell's story is included.

AT LEFT, Cleve McDowell and Rev. Jesse Jackson (covered with cotton dust while campaigning in the Delta)

***

Have you ever lived in a place that was entirely different from where you were raised? The climate? The people? The food? What are your thoughts? I’d love to hear them in a comment. Thanks. Susan

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The Plan is now available at Smashwords in various formats including Kindle and ibooks
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Friday, October 25, 2013

When You Retire, You Have Time To --

Retirement = Doing What You Want To Do


The tight bond between Clinton and Joe, two gay, black lawyers (one of them, married) is broken when Joe is reportedly found hanged. A suicide seems impossible to Clint, and Joe’s widow is acting cagey. Clinton Moore believes Joe Means was tortured and murdered, and that his and Joe’s shared obsession—investigating and fact gathering about cold case murders and assassinations—is the reason.

(short description of The Plan)

* * * * *




I've been doing what I love to do, all year long. Writing my book!

And now --

The Plan is out! I worked over a year on writing this book (as a retiree) and I am excited to share it with you. Real quick—here is how to get your free copy (this week only):

Go to this page


Choose the download option.You will have a number of options, from a PDF file to something you can use on your Kindle, Apple or on your computer screen.

When you get to the checkout “basket,” use this code 

BR42M 

for your FREE copy.

I will appreciate your review! (Once you’ve read it.)

Thanks for your interest. It has been a wonderful journey writing this book and I hope that you enjoy the results. I am happy to share this event with you!!


Susan Klopfer 

What are you doing for retirement? Are you having fun? Please share your experiences here. Thanks, Susan

Monday, October 7, 2013

Awakening to Retirement in the Andes

Door to Andean Church, outside of Cuenca


It has been a year we've been "retired" in Cuenca, Ecuador. I put the word in quotes, because honestly, it hasn't felt like being retired (whatever that means) at all.

We've been busy. Fred is seeing some patients and writing a book, and I've been WORKING HARD writing my book, The Plan. The best part about our first year has been meeting such wonderful, interesting and fun people.

Recently, we took a Sunday with four new friends (years younger than us!) to visit a small fishing lake and village in the Andes. It was a beautiful, warm sunny day, and when we dropped down into lower altitudes, we didn't need our jackets that we'd so carefully packed.

 Traveling by bus with our friend, Kathryn McCullough (an author!)

Taking photos of us taking photos!

Here's a quick video from our trip. I invite you to see for yourself what retirement can be all about.

Oh, be sure to click on the bottom right of the Youtube screen to enlarge the video. (When you mouse over the four characters the words full screen will pop up.) The Esc. key brings you back here.

The words on the bottom of these photos are from a poem, Awaken, that was written in Ecuadorian Quichuan, a lanaguage spoken by 2.5 million people! As I watched the parents interact with their children, it reminded me a little of this poem.

Enjoy!

Susan



Wednesday, September 18, 2013

Monday, July 1, 2013

Cuenca, Ecuador Writers In Transition Gets Set ForThursday, July 4 Monthly Reading; Free and Open to the Public

Tom, attending a meeting of Cuenca's Writers In Transition, or WIT,  listens to feedback on his presentation. The group presents public readings  at  p.m.Thursday, July 4, at the Calif. Kitchen Restaurant. Open to the Pubic and Free.

This Thursday, on the 4th of July, Cuenca writers are getting together to read from our current works. We're all retired expats -- this is what we do with a good share of our time -- and it's a lot of fun.

If it were not for this group, I know that I wouldn't be able to write The Plan. It's the most difficult book that I've ever written, because it is fiction. And I am used to writing news stories and nonfiction books.

But the challenge has been so good for me, and I encourage other retirees to think about writing -- a poem, a short story, a diary, letters to your children of grandchildren. It is just a wonderful, creative way to spend your time.

I am impressed that we have just as many men in our group (well, almost) as women. It is hard for guys to retire  I'm going to make this generalization  (and I guess that I apologize), but from my observations, men often have a harder time finding good stuff to do when they retire. But these men who regularly attend WIT meet with the group almost every week, and they are accomplished writers.

If you are a writer, or a wannabe writer, and live in Cuenca, Ecuador, please attend our weekly meeting at 12:30 p.m. each Thursday at the California Kitchen. We usually have lunch, but you can come and have a cup of coffee or tea with us. We won't "make" you read. Just come and listen and see how the group functions.

Meanwhile, I hope to see lots of people come to our monthly reading this Thursday. We decided to go ahead and do our regular thing, even though it is the 4th of July. The group  may be smaller, but we know it will be fun, especially if YOU'RE there. Susan

Here's your invitation:

Writers in Transition (WIT)
presents
An Evening of the Spoken Word
California Kitchen Restaurant
Luis Cordero 5-65 y Honorato Vasquez
4th July 2013 . Thursday . 7pm
Free Admission . Cash Bar

Authors

"Masada"
by Anne Carr
A story of love and expecting the unexpected.

"A Fish Tale"
by Suzanne Freddie
This is a short short story inspired by a Greek Myth: Bauccis and Philemon from Ovid.

"Bridge... Slightly Revised"
by Manon Stephenson
A small group lightens up a serious game.

"The Writer", Chapter 32 of The Plan
by Susan Kopfler
Lawyer Clinton Moore arrives in Ecuador; he visits the Cuenca Jazz Club and meets a journalist who will help him find his dead lover's wife!

"Noah's Ark"
by Frances Augusta Hogg
Who would say no to the gift of a wombat?

Thursday, May 30, 2013

Retirees -- Free download of one of my projects (writing books as a boomer)

A typical Mississippi Delta county courthouse; they all have their secrets!

I've been posting free downloads of my audio book,Who Killed Emmett Till? This particular file is about the murder of Emmett Till, and why it matters today. Afterall, this killing book place back in 1955. Would enjoy your comments after you've listened.
*****
Follow this blog by email http://feeds.feedburner.com/AWomansRetirementMonologues
*****

I stay active as a retiree by writing books and ebooks. Have you found something interesting to do with your life? I invite you to be sure and subscribe to my blog, A Woman's Retirement Monologues where I try to share as many ideas as I can find about living a happy, healthy retirement. Boredom is not an option!

Thanks,
Susan

Only about two more weeks, and The Plan: A Novel will be available. Can hardly wait to share this with you.

CLICK HERE for your free listen'and/or download

https://www.box.com/s/vkz4yebhe70k00bcfsup

Susan

P.S. If you want to hear more, go to my new website http://ebooksfromsusan.com

I'd love your comments -- there are more audio files there, too.


Tuesday, May 28, 2013

How a Holistic Life Helps Retirees Keep Healthy



Come on. Were you REALLY looking for THE fountain of youth when you retired? If so, you may have to give up on that search. It ainta gonna happen! We all live. We grow older and then we move on to another plane. (Some people call this death.) But we don’t magically get physically younger as we retire. Hopefully, we age gracefully, stay healthy and have a good time doing this in retirement years.

There’s no magic pill required to create what still can be a vibrant present and an active retirement. This opinion is shared by many, including Peter Spiers who’s written a new book called "Master Class: Living Longer, Stronger, And Happier.” There are 40 million Americans 65 and older today, and by 2050 that number is expected to double to 80 million. Now, that's a lot of human potential that can be either wasted or realized, this author tells us.

What will you do with your retirement?  Often, I blog about my activities while learning some ways other men and women get insight on how to make the most of this “new life stage in which work has ceased to be the central focus of their lives” (Spiers’s definition of retirement).

One person recently commented on my retirement blog she was so busy, she “needed to retire from retirement!'" Does this describe you?
People who are engaged in activities that involve at least two dimensions of socializing, moving, thinking and creating, Spiers calls “Masters.”  These are key elements of a holistic way of life that will bring happiness, optimism and physical and cognitive health, he writes.
I'm 65, but I'm thinking about things I can do now to set myself up for a successful retirement. I once wrote for newspapers and worked for a publishing company, and now I am writing books and blogging even more.
What did you used to do that you would now like to further develop? This may be a helpful way to discover the activities that bring about the desired state for retirement that Spiers mentions in his book. I’ve noticed that people who comment and write for my blog also describe their successes following this road map. It certainly works for me, and I will guess this approach works (or could work) for you!
Many of the 14 activities listed in Spier’s "Master Class" -- like gardening and birding – may seem like familiar and already explored territory. But what's wrong with learning from the past? "Boomers will no doubt put their own stamp on this stage as they have with every other stage, but why embark on a trip without a map?" Spiers recently said, in an interview with The Huffington Post.
Just because the 14 activities he’s come up with look easy doesn't mean they are. They all require some energy and will power. The concepts are easy, but realizing and living them does take attention and a concerted effort.
"It requires some energy and willpower on your part. The concepts are easy but realizing, living the concepts does take some attention," he told the interviewer.
Most of his suggestions don’t surprise me: genealogy, cultural immersion travel, exercise, group bicycling, book clubs, volunteering, dancing, and gardening – I’m sure you can do even better coming up with your own ideas, and want to hear your suggestions on my blog.
Have a comment? Please share it here.
Mmeanwhile, think holistic retirement – and forget anything about trying to find that brick and mortar fountain of youth. What we must all discover is the fountain within ourselves, ready to be turned on for this new and unique time of our lives.




Tuesday, April 30, 2013

Help Find My Dog, Please

Our little Shih Tsu Ralph is missing. Coffee and cream color, in the vicinity of Puertas del Sol, near the river. Please call if you see him or are approached by a person trying to sell him. $100 reward. No questions asked.

Contact Susan at 099-425-3998.

Monday, April 29, 2013

Looking for blog writers: Expat? New Role in Life? Write For This Blog!

Bluesmen from the Mississippi Delta tell their story with song.

Something interesting happens to many expats when they first move abroad. It causes them to see themselves differently - not just in terms of language and culture - but physically as well. 

If this describes you, please consider writing a blog post on this site. Let me have your information in the comments section. This could be your new opportunity to soar!

Thanks,

Susan Klopfer
Author, The Plan

Saturday, April 27, 2013

The Caja Mountains from my window -- writing from home, as a retiree, is a treat. I retired early and moved to Cuenca, Ecuador to give me the time and setting for writing a book. And it's coming out soon! sk

An update on my book: The Plan is about to go to the editor. Yea! I've been working eight hour days to get the final chapters completed. The wonderful thing about digital publishing is that readers don't have to wait for a year or more to get a book in their hands.

Important News: The Writers in Transition (WIT) group is giving our  monthly reading and you are invited. It's free at the California Kitchen in Cuenca. I'll be presenting Chapter 2 of The Plan, so I really look forward to your presence. Here's more information:

WIT Presentation - Click Here for Time and Day

Just recently, new information about a horrid prison camp in the southern Andes of Chile, Colonia Dignidad, made international news. Former victims and their families are suing the state of Chile over this horrid prison that was allowed to stay open until very recently.And what does this have to do with my new book? Plenty, believe me. So I've needed a little extra time to make updates.

As an expat in Cuenca, Ecuador, I have TIME to work on this new book -- all of the time in the world. I love the freedom of being able to have my own office next to my bedroom, so that I can get up at all odd hours of the night and write. Unfortunately, my best ideas come at 3 a.m. (It's not easy being my bed partner.  Ask my husband, Fred.)

P.S. We had a sad day. Our little dog was stolen.So today will be spent taking around flyers, posting ads, etc.


Here's a quick summary of what this new book is about:


A white Vicksburg, Mississippi private detective shoots himself in the groin while perched on the corner of his bed, cleaning his favorite rifle after a dove hunt. Suicide, concludes the state pathologist, a man nationally known for his amazingly quick (and frequently sloppy) reports. Detective John D. Sullivan’s death takes place one year after leaving his temporary job in New Orleans, where he was working for his old FBI boss and friend, Guy Banister, who dies strangely just six months following the assassination of President John F. Kennedy. Forty-eight years pass before Clinton Moore, a quiet and effective, gay black Mississippi Delta lawyer, gives a damn about what happened to Sullivan – and only after Moore’s best friend, a black Alabama lawyer, is murdered for knowing too much about what? Mollie Johnson and Sara Mercury pick up on the case IN SOUTH AMERICA , after Moore, himself, is killed – for knowing too much.  About what? Did someone go missing in Colonia Dignidad? Who?

ISBN-10:  0-9826049-7-1
ISBN-13:  978-0-9826049-7-7

The Plan is set for publication in May of 2013. 

Place on the Tallahatchie River where Emmett Till's body was dumped in 1955. This is one of many photos I took in the Delta when doing research for Who Killed Emmett Till? (the basis for my new fiction novel The Plan. I enjoy photography and use my pictures to help give readers a look at the places that I'm writing about. You can do this too when you retire.Think about places you've gone and put the information to writing books, poetry, music, plays! 

Monday, April 1, 2013

What Retirees Do -- in Cuenca, Ecuador

Living in such a beautiful environment, how could you NOT write about it??? Since we moved here last fall, one thing that keeps me busy is writing. I belong to a local group -- Writers in Transition, and we meet every Thursday at 12:30 to share our chapters, short stories, poems. and other written work. We listen to each other and offer criticism (help). Then, on the first Thursday of each month, we give a public reading. People in Cuenca are invited to come have dinner and listen. It's a great opportunity to get  important feedback on our work  Guess what -- you're invited!!

The WIT Group
(Writers in Transition)
presents
An Evening of the Spoken Word
at California Kitchen Restaurante
Luis Cordero 5-65 y Honorato Vasquez
4 April 2013, Thursday, 7pm
Free Admission ~ Cash Bar

Authors
1) "South American Time and Customer Service", by Susan Schenck, author of Beyond Broccoli and The Live Food Factor
Susan will be reading excerpts from her upcoming book Expats in Cuenca: The Magic and The Madness
2) "He's Alive" from Chapter Six of "Methuselah's Promise", by Chris Petersen, author of Methuselah's Secret
The next chapter of my new book about the Longevity Drug
3) "Red Creeper", by Frances Augusta Hogg
A writer learns the importance of being vigilant. 
4) "Life and Death on the Mississippi" First Chapter from the novel The Plan, by Susan Klopfer
This first chapter of my historical fiction novel is set in the Mississippi Delta. Two black lawyers and a white detective (former FBI agent) are separately murdered between the years of 1966 and 1997. Chapter 1 opens with the final murder of Clinton Moore, a 56-year-old lawyer. Two shooters are involved: the first is a young man who Moore has known and defended twice for driving while intoxicated. The second shooter, whose bullet takes Moore’s life, is a professional hit man. Moore tells his story from the grave, and in this first chapter he presents various conflicts that tie all three murders into a mystery waiting to be solved.
5) "Picking Cotton", by Manon Stephenson
It is Manon's continuing saga of her youth and the humorous adventures of her alter ego. 

If you're a writer, you might also want to join us on Thursdays at the California Kitchen. You're invited! Drop by for this Thursday night's reading to learn more.

Susan

Monday, December 24, 2012

Merry Christmas from Cuenca, Ecuador


Please enjoy this Christmas video! We spend eight hours at the Christmas Eve Parade! What an experience. Happy holidays to all.

Susan and Fred Klopfer

Sunday, December 2, 2012

Retirement Ideas That Work -- For Those Scared Sh*tless!


I am putting together a group of reference books for an eBook I plan to publish in mid December –

Retirement – It’s Not Just About the Money How to Have Fun, Get Healthy and Make Extra Money When You Retire

It is a going to be a fun and helpful book, I promise. 

Meanwhile, while doing my research, I have run into several wonderful retirement books that I want to share with all of you, and here is the first one:

Retirement ideas that work, by author Ken Bodnar



Now, surely you can picture what its author, Ken Bodnar, had in mind when he wrote this eBook. Bodnar is an obvious Type A Racer who was facing what he believed to be complete ruination, if he did not come up with a chunk of change for retirement.

This is a great book. Bodnar shares his personal experience, and it is a rags to riches story about coming to grips with retirement. Anyone of us can read this book and come up with multiple ideas that work.
Bodnar writes briefly about moving to a less expensive place to live, something that Fred and I have already done. It works. We will make up the entire loss of our retirement account that we lost when Wall Street went South.
I also e-publish, another one of his topics, and this gives us an ongoing income.
Ken Bodnar is a type A racer, and many of us will never match his pace. He is a speed freak—
Nevertheless, there is something here in 55 And Scared Sh*tless for every reader, whether retired or still waiting to take the plunge.
Thus I give his book 5 stars.
It is a great read and I’ll be listing it in my references, for sure.

You can find it here -- and even download a free sample.

Susan

Monday, November 19, 2012

Don Colon Restaurant in Cuenca, Ecuador - great food, great service, and a wonderful story for retirement (not!)


There's a new restaurant in Cuenca, Ecuador (where I live as an expat), Don Colon. Owner and chef Colon Campos came out of retirement, from Naples, Florida to bring his talents to Cuenca. 

Colon is rapidly making friends and new customers because his food is great, the setting spectacular, and he is just fun to talk to.

I'll be interviewing Colon today, and will share some of his story soon on Retirement Monologues. So come back. You know that you can subscribe to this blog -- take a look over on the right.

Susan

P.S. Visit Don Colon's website at http://doncolon.com and view his new Youtube video!

He features a great Eggs Benedict for breakfast, fresh fish and Mexican specialties for lunch, and a wonderful filet mignon for dinner! Great prices, too. He should soon be featured on Frommer's and Lonely Planet -- keep your fingers crossed.

Tuesday, October 30, 2012

Making Life Changes in Ecuador; Doing the Expat Thing and Even More in Cuenca



The Tomebamba River runs through Cuenca, Ecuador separating the historic and modern districts.

*****

We stacked on thick blankets and mostly stayed under the covers for our first week in Cuenca, tightly cuddling our dog’s and cat’s bodies, using our pets as warming devices. When the clouds lifted and the sun finally appeared, we crawled out of bed and discovered we both had infected knees from separate falls we took at the airport (Fred) and at the new apartment (Susan) – the day of our move to Ecuador.
*****

I’ve had to make some big changes in my life. And really, who hasn’t? Some changes I have made under duress, and others just naturally happened. Fred and I decided last year that we needed to do something about the high cost of retirement and our small retirement purse strings. Like many other people close to retirement age, we lost most of our savings when the stock market crashed. Because I was the chief investor, and felt guilty about “what I should have done,” I did not want to take on the chore of reinvesting what was left. We needed to do something else, instead of giving our money right back to Wall Street cheats.
Why don’t we live somewhere else that is less expensive? We won’t need as much money if we can do this – I asked myself and approached Fred with the idea. He and I love adventure. We love exploring other cultures, so the idea of expat living sounded quite good. I speak some Spanish and have always been interested in South America, so we joined several thousand other baby boomers like us and moved to the current expat hot spot this past August – Cuenca Ecuador, arguably the most charming city in this small South American country, with its cobblestone streets, old-world cathedrals, colonial parks and urban rivers with lush greenways. Cuencanos continue a proud intellectual tradition that has produced more notable writers, poets, artists, and philosophers than anywhere else in their country.
This was going to be a big change, moving so far from home, away from our son and granddaughter.
*****

OVER THE YEARS I have not been cautious about taking care of my diabetes. Not cautious? Well, let’s say not doing much about it. But I am getting ahead of myself; a discussion on diabetes comes later. When we got to Ecuador, I really was not thinking of being careful of what I eat, because at first we were really just trying to stay warm.
We arrived in Cuenca at the end of August and it was cold; especially at night and not much warmer during the day. Further, we were living in a cute little apartment without heat (the way they do things here in Ecuador) that was set along the Tomebamba River, a beautiful and very cold stream that runs through this city, separating the historical and modern districts, and eventually flowing into the Amazon River. One of the reasons we chose Cuenca was because of its natural beauty, with four rivers running through it.
In late August, it is traditionally cold. The night time temperatures typically drop to about 46 degrees F. and when you have no heat in a cement and stone building, believe me it is cold.
...And so we stacked on piles of thick blankets supplied by our apartment manager and mostly stayed under the covers for our first week in Cuenca, tightly cuddling our dog’s and cat’s bodies, using our pets as warming devices. When the clouds lifted and the sun finally appeared, we crawled out of bed and discovered we both had infected knees from separate falls we took at the airport (Fred) and at the new apartment (Susan) – the day of our move to Ecuador.
The next few weeks involved finding a doctor and getting our knees cleaned up and for Fred, taking antibiotics because his knee was a particularly bad mess. He fell at the hotel in Albuquerque as we were headed with our bags for the airport. Fred doesn’t complain about things like this, but I noticed at the first stop in Dallas that he looked almost dizzy. I asked for, and received from American Airlines, quick help in getting to the next gate. They were right there with wheelchairs for both of us. The airline’s wonderful care continued through our landings in Miami and then Guayaquil, where agents met us each time with their assistance.
*****

CUENCA, ABOUT A HALF million population with some four to five thousand expats, is 274 miles south of Quito and 155 miles southeast of Guayaquil, cities with international airports. To get to Cuenca, requires flying into one of these cities and then catching a domestic flight. Driving is not the quickest way to get here, as curving single-lane mountain roads about double the time you’d think it would take.
The drive from Quito to Cuenca, for instance, takes about 12 hours. But we were bringing a dog and cat to this cultural city and could not simply fly to our final destination. Ralph is a pug-nosed shih tzu and no airlines allows these dogs to fly under the plane for their health safety (they have trouble breathing). In Ecuador, the rules change, and no pets can fly in the cabin, so we had no choice but to drive from Guayaquil to our new home.
No problem said the apartment manager where we would be staying in Cuenca when I emailed him about this dilemma, asking for his ideas on how to get to his apartments from the airport. “I will come and pick you up.”
Xavier thankfully found us at the airport late the night we landed in Guayaquil. I had really screwed up, giving him the wrong description of our clothing and then losing his cell phone number. But after 30 minutes or so of airport terror, he honed in on Fred and was still smiling when he said Hola!
His double red truck was parked at the airport and he quickly loaded us in, packed our stuff– dog and cat in cages, two bags of computer stuff, 7 suitcases in all – and we headed out for the breath-taking four hour trip (with a couple of stops) through Parque Nacional Cajas (Cajas National Park), where even in the dead of night, this national treasure in the highlands of this South American country was stunning. 

XAVIER, WHO MANAGES the Otorongo Apartmentos, is also a fearless bike racer and he drove along this winding road with ease through the narrow parts of the highest pass reaching 4,450 meters or 14,600 feet. Cajas provides about 60 percent of the drinking water for the Cuenca area, and two of the four rivers of Cuenca originate from Cajas, the Tomebamba and Yanuncay rivers.
This late night in the mountains as we passed through each small village, people were having wonderful times, roasting whole pigs on grills, eating and visiting each other as their children played. We stopped for some fresh fruit from stands holding the must wonderful-looking fruits I had ever seen, and many kinds of fruit I had never seen in my life. Tiny bananas, pineapples and so much more caught our eyes and tasted so good.
As we left the warm air of Guayaquil and drove into the cool mist, the view coming over the Cajas was amazing, with stars brilliantly shining, perhaps as welcoming omens to our new home and retirement venture. “Maybe we will see the Southern Cross,” Fred hoped out loud, referring to Crux, a well-known constellation easily visible from the southern hemisphere at practically any time of year. We looked around and probably did see it – but wouldn’t have known if we had. This was all so new!

Next – Fixing our banged up knees and coming to grips with diabetes





Tuesday, August 7, 2012

How to Kill Off Your Retirement Fund -- It's Relatively Easy, Says Insurance Expert


7 Expenses That Can Kill Your Retirement Fund

Every morning you drag yourself out of bed for work and tell yourself that soon enough, you’ll retire and won’t have to worry about money or working ever again. You’ve got your retirement plan set up and have been contributing faithfully for decades, but have you considered all the expenses that can pop up unexpectedly? You can adapt to some small costs, but these seven expenses can really eat up your retirement fund. Keep these in mind when setting up your retirement savings so you don’t come up short in the end.
  1. Helping adult children:


    Even if your job or income wasn’t affected directly by the recession, there’s a good chance that your working children hit some hard times. In 2011, more than half of U.S. parents were helping their adult children financially with things like living expenses, transportation costs, and extra cash. For 7% of parents, this new burden meant they had to delay retirement. Most people only plan for one or two people when putting away money for retirement, but if a child moves home or needs help with rent money and groceries, your savings will be used for three. Consider what you can reasonably spare when helping out your children so you don’t all end up in the poor house.
  2. Long-term care:


    While we’re lucky enough to face a longer expected lifespan, these extra years can put a strain on your retirement fund. After retirement, many people are living 25 or 30 years on just their savings, and it will likely become harder to care for yourself as you age. You should take into account as you make plans for retirement that there is a good chance you will need to hire someone to assist you in your daily life or move into an assisted living or nursing home at some point. Medicare and other insurance plans don’t normally cover long-term care, so the cost will be left to your loved ones if you can’t pay for it with your retirement savings.
  3. 401(k) fees:


    Your employer-sponsored 401(k) plan may seem like a no-brainer when it comes to saving for retirement, but those plans can actually take a huge chunk of your money away from you through tricky fees. One progressive public policy research group found that these fees could eat up as much as 30% of your retirement fund (though trade groups say the cost is much lower than that research claims). Regardless of the actual percentage you’re losing, 401(k) administrative and marketing fees can add up, and trading costs can skyrocket in actively traded funds that are bought and sold rapidly. You can’t avoid all fees, but you can talk to your financial adviser to ensure you’re minimizing the extra costs as much as possible.
  4. Health care:


    Out-of-pocket health care costs for retirees have been rising about 6% each year for the past 10 years, which can spell big trouble for your retirement fund. Medicare doesn’t go as far as many retirees think it will, and you can be caught by surprise when a huge bill comes in the mail. A recent report says that a 65-year-old couple will spend $240,000 or more out of their own pockets for health care during their retirement. Prepare for this extreme expense by delaying retirement, educating yourself on prescription drug plans and the retirement insurance your company offers, and factoring high medical costs into your retirement budget.
  5. Debt payments:


    A hefty retirement fund can easily be canceled out by your debt, so don’t let your saving be all for naught. If possible, pay off the debts you have before you retire. It’s better to do it when there’s less interest to pay and you can go into retirement knowing exactly what money you have to spend. Some experts even suggest paying off debt rather than contributing to your retirement fund (if it’s a one-or-the-other situation), because of the high interest rates on debt compared to the low rate of return on retirement investments.
  6. Home maintenance:


    With retirees living more active, healthy lifestyles, it’s likely that you’ll be able to live independently in your own home longer than retirees in the past. But houses bring their own set of costs with them that you might neglect to budget for. Besides the mortgage and utility bills, unexpected repairs can cost you a pretty penny. Whether it’s minor maintenance, like lawn care or appliance repair, or a major mishap, like a broken air conditioner or foundation problems, keeping up your home will likely use up a big chunk of your savings. Factor in these costs when deciding whether your house is the best financial decision for you after retirement or whether a retirement community would be a better use of your money.
  7. Travel:


    You’ve probably got a few places on your bucket list that you’re going to visit during retirement, and you think you have the money for those trips. But check your numbers twice; most people tend to under-budget for vacations. In addition, if you have children or elderly parents who live far away, you may find yourself racking up more travel expenses than you expected as family events and emergencies come up. Traveling can be a great part of retirement, but make sure you save even more than you think you’ll need for life’s unexpected moments.

Friday, June 15, 2012

Quit Worrying So Much About Retirement $ Planning, Says Author, Blogger


Top THREE Retirement Tips For People Who ALREADY KNOW They will NOT have $1Million Saved Up by the time they retire




Retirement planning is NOT just
about hitting a number, says
author and speaker, Susan Klopfer

By Susan Klopfer, MBA
Retirement blogger and author

It will happen to each and one of us eventually, even today’s teenie-bopping, cell phone-texting teenagers.

We will grow old and retire!
If stopping work and having fun really is inevitable, how can we get ready now, so that we can live this dream?

Save more, work longer, put off social security.

Okay, okay.

These are three pretty good ideas we are given on retirement blogs, or by Rotary and Lions Club speakers who once-a-year offer their best retirement planning speeches.
We politely nod our heads when we hear this, of course, and then go home and get really, REALLY scared. 

So s-c-a-r-e-d that we do something silly – like putting off retirement for good or starting plans to find a job moving rock piles or greeting people at you-know-where.
Are you possibly ready for some lesser-known tips that are worth knowing?
If so, here is a look at 3 tips that retirement planners and advisers are telling us we should consider (I just learned that people do better with lists of 3 than 147 items):

     1. Stop paying so much attention to HOW much…

Isn’t it rather silly to spend time worrying about saving enough?  Especially when “enough” is an impossible dream?

You and I both know that most of us will never hit that $1million mark we hear so much about on television and from financial planners.

My spouse and I gave up on that idea years ago, when the stock market did its number. You are probably close to us, in this respect, than to Donald Trump!

One economics professor, Wade Pfau at the National Graduate Institute for Public Policies in Japan (and a frequent blogger on retirement), says there is no specific wealth number that will allow anyone to retire. Instead, he suggests, think about income stream, instead.

In other words, tart asking yourself how much income will you need to support your planned retirement?  After you decide on a budget.

(We have decided to limit our required income stream by moving to another country, where cost of living is 50 to 70 percent lower. We have planned a budget that fits our anticipated income stream—and it works for us.)

      2. Try thinking tax-efficient income.

 David Blanchett, a research consultant at Morningstar Investment Management, says that dividends, for instance, can be far more tax-efficient than bonds from an after-tax income perspective if they are qualified—that is, taxed at a maximum rate 15% vs. 35% for ordinary income.

Blanchett adds changing your withdrawal strategy to a “happiness” perspective, and ignore required minimum distributions rules. He says that common tax wisdom suggests drawing from taxable accounts first, then a Traditional IRA, and finally from a Roth IRA.

 “I think this makes sense and can definitely increase the available income, but it’s also important to have some ‘tax diversification’ with respect to withdrawal moneys,” Blanchett says.

3. Control your fears.

Plenty of spouses go through life not talking retirement fears (and sex), says financial planner, Andrea Bulen.

Do you or your spouse have fears about retirement that you haven’t discussed?
If so, start talking about them before it’s too late, she advises.

Robert Powell, editor of Retirement Weekly, published by MarketWatch, has put together a larger list  of  “10 Overlooked Retirement Tips,” that follow this reasoning. 

You can peek at his list here –


Now, go call the rock pile people, and tell them you are not going to be home for their phone call afterall.

You have too much fun coming up!

*****
Susan Klopfer, MBA, is available for speaking on this and other business topics. Contact her at http://susanklopfer.com