THE NEWS---We are in process of considering a lease of our Alaskan home for 3 years starting July 1st. Who knows, maybe we will decide to move back someday. If we can keep it leased for long enough, our oldest daughter and her husband want to buy it for their home once they retire from the Marines.
Now here are some details that have come to light as we have pondered this decision.
1) If we live in the home for 2 years during the 5 year period prior to it selling then we will not have to pay capital gains tax. Those two years don’t even have to be consecutive. So if we sell it prior to June 30, 2015 we will satisfy the tax man without giving him more of our money.
2) Finding a good family to lease the home wasn’t terribly difficult once we made it known we were thinking about doing so. Word of mouth brought us three potential renters.
3) With the help of a good friend I found the lease agreement online which spelled out all the necessary details to protect our investment.
4) If word of mouth advertizing doesn’t work, a good online system to seek applications is through the military housing website: http://www.ahrn.com/index.php
5) You can list your home and all the parameters you wish to set for renters, such as, no pets, non-smokers, etc.
6) Try to meet the potential renters in person and let them see the home before deciding if they want to lease it. This really helped us make up our minds to go ahead and do the lease to a young military family. He is a dentist and she is a gem. They have two young children.
7) You should check with a tax accountant to figure out if rental income will affect your tax liability. Ask about the potential for depreciating your home while it is a rental unit.
Large family homes are hard to find for rent in the Anchorage area right now as of June 2012. They are renting for approximately $1.00 per square foot. Do the math to make sure you have sufficient rental income to cover all expenses; mortgage payment, taxes, and repairs. Utilities can and I think should be the responsibility of the renter.
Check back in a few years and I will be able to tell you if we found being a landlord a good experience or if it just brought us too many headaches. But for now, we still have a foot in the door in our beloved Alaska.
Monday, June 18, 2012
Thursday, June 14, 2012
Leasing versus Selling our Alaskan Home
We have lived in our beautiful 5 bedroom Alaskan home for 14 years as of July 2012. All but our oldest two sons “grew-up” here along the Eagle River in one of the most amazing river valleys in the world. It is the home we will always remember as our real home. Over 38 years of marriage we never came close to staying in the same house this long.
Two months ago we reluctantly put it on the market to sell. It’s painful to have people looking at our beloved castle with a critical eye. Most have loved the home, but it is a pricey venture to buy a 3200 square foot river-bluff property with all the moose and bears that come with it.
On Monday a fine young couple came through the house to see if it is the one they would like to rent while they are stationed here in Alaska. They raved at the entire tour and especially the mountain views out our third floor bedroom window. He is a dentist in the military and needs a 3 year lease. I prefer to sell, but really liked this young couple and think they will live lightly with no pets or smoking in our home. So we are now leaning toward leasing.
Here are the issues with changing our property to a rental:
1) When we eventually sell we will have to consider capital gains taxes.
2) About 20% of rental income needs to be put aside to pay for potential damage and/or maintenance.
3) Worrying about a property 3000 miles from where we will be living in retirement will bring some stress no matter how well it goes.
4) We have to consider whether we will depreciate the home for tax purpose while it is a rental property.
5) Will our new carpet survive renter? etc, etc. etc...
Looking carefully at all the ramifications and consulting our tax accountant are necessary steps as we evaluate. But it is looking like we will lease and we are feeling good closure from that leaning. Confirmation is always a comforting step in these big decisions.
Two months ago we reluctantly put it on the market to sell. It’s painful to have people looking at our beloved castle with a critical eye. Most have loved the home, but it is a pricey venture to buy a 3200 square foot river-bluff property with all the moose and bears that come with it.
On Monday a fine young couple came through the house to see if it is the one they would like to rent while they are stationed here in Alaska. They raved at the entire tour and especially the mountain views out our third floor bedroom window. He is a dentist in the military and needs a 3 year lease. I prefer to sell, but really liked this young couple and think they will live lightly with no pets or smoking in our home. So we are now leaning toward leasing.
Here are the issues with changing our property to a rental:
1) When we eventually sell we will have to consider capital gains taxes.
2) About 20% of rental income needs to be put aside to pay for potential damage and/or maintenance.
3) Worrying about a property 3000 miles from where we will be living in retirement will bring some stress no matter how well it goes.
4) We have to consider whether we will depreciate the home for tax purpose while it is a rental property.
5) Will our new carpet survive renter? etc, etc. etc...
Looking carefully at all the ramifications and consulting our tax accountant are necessary steps as we evaluate. But it is looking like we will lease and we are feeling good closure from that leaning. Confirmation is always a comforting step in these big decisions.
Wednesday, June 13, 2012
Building Our Cozy Log-Cabin "Retirement" Future
This post was one of my originals 8 months ago. Read the PS at the end for the rest of the story...
I dreamed of retiring at 55 so I could build our own log-home and live simply. But that time came and we still had some of our children living at home and going to college. So I just kept working in a profession I loved as an educator.
I wanted to be physically capable of doing most of the building of our retirement home. I have many log cabin building books, and a whole library I accumulated over the years on how to set up a self-sufficient farmstead with a large garden and animals. It is likely to be an important part of how I choose to stay active when I "retire".
Retirement for me means starting a new career for the next 15 or so years of my life. I don’t plan on doing this because I have to, but because I want to. Becoming idle just doesn’t fit my lifestyle or needs. My wife is a cancer survivor who has sacrificed to live where my career took us and to raise a family of 5 outstanding children. I want to provide some extra "retirement" money so we can travel for three reasons; 1) visit and help family, 2) serve our Church and community, 3) just have some good fun.
My research concerning retirement over the past 5 years has helped me realize many essential and challenging issues needing our attention as we prepare. This blog and my website share what we have been learning.
I have over 2500 friends on Facebook probably due to my 34 years of teaching 100's of students annually. I figure there have been as many as 10,000 who have allowed me access to their brains as we struggled together to learn and stretch our intellect and spiritual muscles.
I enjoy writing. Thus far I have several places to publish and share; Facebook, http://saferetirementfreedom.blogspot.com/, and my website linked from my Blog. Hopefully this will continue to allow me to engage in the process of helping my friends and many former students continue to learn and explore together. It will be a great creative outlet. Intellectual curiosity has fueled many years of growth for me. It is one of the most satisfying things I engage in. I love the creative process and its congruence with spiritual processes.
For us, preparations for our future are ramping-up and the time for "retirement" grows near. The last ten years before retiring are crucial. But every year of our working lives should contribute to the preparedness with which we approach retirement, whether we are 25, 45, or 65 years young.
I hope you will become a part of our group and contribute to the discussion. Simply sign in to the left of this post.
PS update: as of June 2012---we bought an existing home in the Boise Idaho area so the log home became a short sale or sorts, since that was the best financial opportunity as the economy continues to languish.
I dreamed of retiring at 55 so I could build our own log-home and live simply. But that time came and we still had some of our children living at home and going to college. So I just kept working in a profession I loved as an educator.
I wanted to be physically capable of doing most of the building of our retirement home. I have many log cabin building books, and a whole library I accumulated over the years on how to set up a self-sufficient farmstead with a large garden and animals. It is likely to be an important part of how I choose to stay active when I "retire".
Retirement for me means starting a new career for the next 15 or so years of my life. I don’t plan on doing this because I have to, but because I want to. Becoming idle just doesn’t fit my lifestyle or needs. My wife is a cancer survivor who has sacrificed to live where my career took us and to raise a family of 5 outstanding children. I want to provide some extra "retirement" money so we can travel for three reasons; 1) visit and help family, 2) serve our Church and community, 3) just have some good fun.
My research concerning retirement over the past 5 years has helped me realize many essential and challenging issues needing our attention as we prepare. This blog and my website share what we have been learning.
I have over 2500 friends on Facebook probably due to my 34 years of teaching 100's of students annually. I figure there have been as many as 10,000 who have allowed me access to their brains as we struggled together to learn and stretch our intellect and spiritual muscles.
I enjoy writing. Thus far I have several places to publish and share; Facebook, http://saferetirementfreedom.blogspot.com/, and my website linked from my Blog. Hopefully this will continue to allow me to engage in the process of helping my friends and many former students continue to learn and explore together. It will be a great creative outlet. Intellectual curiosity has fueled many years of growth for me. It is one of the most satisfying things I engage in. I love the creative process and its congruence with spiritual processes.
For us, preparations for our future are ramping-up and the time for "retirement" grows near. The last ten years before retiring are crucial. But every year of our working lives should contribute to the preparedness with which we approach retirement, whether we are 25, 45, or 65 years young.
I hope you will become a part of our group and contribute to the discussion. Simply sign in to the left of this post.
PS update: as of June 2012---we bought an existing home in the Boise Idaho area so the log home became a short sale or sorts, since that was the best financial opportunity as the economy continues to languish.
Monday, June 11, 2012
Lessons Learned as Retirement Approaches
Six weeks of getting better from some ailments related to getting “older” have taken a toll on both Jeannie and me. After her struggle with pneumonia I decided to get vertigo due to a sinus infection, serves me right for going non-stop during the weeks while Jeannie was sick and while my work was winding up for the school year.
Getting ready to retire and move has been more time consuming than we had anticipated. Staging the house for viewings, garage sales, prepping the motorhome for our trip down the Alaska Highway, cleaning, painting, yard work with grass growing more prolifically than ever before (yah, what’s up with that), and not having enough sunny days. All this has filled our time and slowed us down.
If I had known how tiring re-tiring (pun intended, with a smile) was going to be I may have just kept on working my career as and educational administrator.
One reason we bought our new home in the Boise area was so we wouldn’t wimp out of retiring and stay with our comfortable life in Alaska. Once the new Ideaho home was a done deal we had no choice but to go forward. For which I am grateful even though we are worn out. I have crunched the numbers many times to make sure we can survive this change whether we live for 10, 20, or more years.
Our family is getting ready to celebrate this big change by doing a Lake Powell house boat adventure in mid-August. Everyone but our son-in-law Miguel (currently in training as a recon-Marine) will be there. He will be missed but we will enjoy our children and grandchildren as we transition to our new life. After stopping in Salt Lake City to spend time with my 87 year old mom, we will be back in the Boise area setting up our new home and preparing an organic garden for the next growing season.
Some conclusion from recent experience:
1) Take extra good care of yourself while you prepare to retire, don’t overdo it or you may wear down and slow the process.
2) Garage/Moving Sales are exhausting, get help and post loads of signs to bring in the buyers.
3) Don’t be too anxious to sell your best stuff to lowball negotiators who just turn around and sell on craigslist.
4) Just use Saturdays from 9AM-1PM for your sale. The traffic dies down after that and you get too tired to stay out in the sun.
5) Don’t accept first offers, they expect to have a counter offer from you before a price is settled on.
6) Always know the original price and have a quick story about how valuable and useful the item is…such as “wow, you know that tiller was originally $700 and still works as well as the day I bought it. It’s a rear-tine tiller and churns up the ground with ease. I could give it to you for (counter offer).”
7) Rest as much as possible. Keep exercising and eat well. Manage the stress with your best routines; yoga, meditation, hot tubs, steam room, fishing, reading a good book, or whatever. Pamper yourself…you deserve it.
Getting ready to retire and move has been more time consuming than we had anticipated. Staging the house for viewings, garage sales, prepping the motorhome for our trip down the Alaska Highway, cleaning, painting, yard work with grass growing more prolifically than ever before (yah, what’s up with that), and not having enough sunny days. All this has filled our time and slowed us down.
If I had known how tiring re-tiring (pun intended, with a smile) was going to be I may have just kept on working my career as and educational administrator.
One reason we bought our new home in the Boise area was so we wouldn’t wimp out of retiring and stay with our comfortable life in Alaska. Once the new Ideaho home was a done deal we had no choice but to go forward. For which I am grateful even though we are worn out. I have crunched the numbers many times to make sure we can survive this change whether we live for 10, 20, or more years.
Our family is getting ready to celebrate this big change by doing a Lake Powell house boat adventure in mid-August. Everyone but our son-in-law Miguel (currently in training as a recon-Marine) will be there. He will be missed but we will enjoy our children and grandchildren as we transition to our new life. After stopping in Salt Lake City to spend time with my 87 year old mom, we will be back in the Boise area setting up our new home and preparing an organic garden for the next growing season.
Some conclusion from recent experience:
1) Take extra good care of yourself while you prepare to retire, don’t overdo it or you may wear down and slow the process.
2) Garage/Moving Sales are exhausting, get help and post loads of signs to bring in the buyers.
3) Don’t be too anxious to sell your best stuff to lowball negotiators who just turn around and sell on craigslist.
4) Just use Saturdays from 9AM-1PM for your sale. The traffic dies down after that and you get too tired to stay out in the sun.
5) Don’t accept first offers, they expect to have a counter offer from you before a price is settled on.
6) Always know the original price and have a quick story about how valuable and useful the item is…such as “wow, you know that tiller was originally $700 and still works as well as the day I bought it. It’s a rear-tine tiller and churns up the ground with ease. I could give it to you for (counter offer).”
7) Rest as much as possible. Keep exercising and eat well. Manage the stress with your best routines; yoga, meditation, hot tubs, steam room, fishing, reading a good book, or whatever. Pamper yourself…you deserve it.
Monday, May 21, 2012
My Sweetheart Jeannie is Making Great Progress
Two weeks ago my wife Jeannie’s blood pressure dropped below
90/60 and her heart rate went up to 120.
We have a home blood pressure monitor so I was able to check her blood
pressure and pulse regularly. After
caring for her for a full day at home without improvement we went to the
emergency room on Monday morning May 7th. She was diagnosed with sepsis and pneumonia
and admitted to the hospital for what became an 8 day ordeal. For a while they thought she had a staph
infection but it turns out to have been strep, which was the first tender mercy
since it is “easier” to cure.
Her right lung capacity had been at 1/3 its normal when she
was admitted and improved to close to 90% due to miraculous treatment to drain
the infectious gunk through a chest tube.
It was no fun for Jeannie with lots of pain but as usual she was a real
trooper and patiently waded through. As
I recollect she only broke down once and cried in frustration and due to pain. I am so proud of her resolve to fight
this.
After long difficult days in the hospital, on Monday evening
May 14th she was released from the hospital and has been home on continued
antibiotic treatment to clear up the rest of the infection in her right
lung. Coming home was tender mercy
#2. We were so glad to avoid the long-term
care recovery center the doctors thought they would send her to. I have been able
to be her home nurse most of the time.
I am grateful to be able to do this for her since last time
she was in a serious health situation in 2007 I got sick and spent 10 days in
the hospital with a ruptured appendix, and was not able to care for her during chemotherapy
for stage 4 oral cancer.
Today Jeannie goes to her infectious disease doctor for an
evaluation to see if she is progressing well.
She has been improving steadily and yesterday went for a short walk outside
holding onto my arm.
Life is slowly getting back to normal around our home which
is tender mercy #3. It will be a long
process to get Jeannie back to “full” health but we have made it through the
most difficult weeks.
She appreciates all the thoughts and prayers offered for her. With being this sick it “takes
a village” to get better and all the positive input has been motivational for
her to rally again. Thank you for your
kindness and love.
Thursday, May 3, 2012
A Great Source of Money if you know How to Do It
How to buy your next home. There
is major interest in this retirement strategy. Interest rates at are historic
lows right now. We have been fortunate
over the years to be able to make money on all the homes we have purchased or
perhaps I should say "invested" in. It's easy to do, if you know a
few basics.
There
is no substantive reason why you have to stop using your home as an investment
as you go into retirement. In my most recent private letter to my secure email
group I shared how we have set ourselves up in our first retirement home in
Idaho with an immediate equity gain due to it being a short sale property one year
previously.
We
were happy to do it this way since the seller had already been through the
intense process of negotiating with the bank. We got the house for less than
what they had paid once we considered the $21,000 professional landscaping
project they completed. We watched the Boise homes market closely for 18 months
to find the right home. Internet know-how makes this easy now a days.
As
much as I appreciate all our real estate brokers over the years, keep in mind
that they always have a "conflict of interest" as they negotiate on
your behalf. Listen to their counsel but take charge and make your own
decisions when it comes to negotiations.
If
you go after a foreclosure or short sale, be prepared to walk away when the
business process gets pushy. You will almost always hear that another potential
buyer's offer is about to be on the table as they try to get you to settle on a
price. Don't let your emotions govern your decisions.
If
you know what to do you can make 10's of thousands of dollars as you buy your
next home. We picked up $60,000 equity the day we signed our new home papers in
Boise last week. If invested wisely, at 5% draw that can be an inflation
proofed addition of $3000 in retirement income per year for perpetuity. Not a
bad bonus.
To get more detail about this and other investment
strategies you can join my secure email group by signing up in the box to the
left of this post: http://saferetirementfreedom.blogspot.com/
Sunday, April 15, 2012
Retire Early---Real Life Stories of Success
My newest 8 minute podcast is available for listening. It’s the follow-up to “Building a Nest Egg in 5 Years or Less”. You'll hear real stories of people who retired early because of aggressive savings, without risky investments. No matter your age, it can be done.
The audio file is available only to my secure email group, which helps protect my copyrighted material. If you'd like the link, sign-in to the left of this Blog then go to your email address to confirm.
If others would like to have access send them to: http://saferetirementfreedom.blogspot.com/
to sign up.
If others would like to have access send them to: http://saferetirementfreedom.blogspot.com/
to sign up.
The Podcast is avaiable now to my secure email group only.
I will always protect your email privacy.
I will always protect your email privacy.
Saturday, April 14, 2012
More Pics of the New Homestead outside Boise Idaho
Living Room
Living Room toward Dining and Kitchen
Master
Family Room downstairs
Home and ViewThursday, April 5, 2012
21 Great Ideas for Controlling Debt
1) Don’t eat out could save you thousands per year
2) Cut up credit cards
3) Build an emergency fund for
unexpected expenses
4) Entertain yourself at home or by
hiking etc. rather than using expensive forms of entertainment
5) Spend less than you earn
6) Use cash for your purchases
7) When debt is paid off increase your
savings
8) Don’t use the government tax system
as a bonus plan, if they have your money they earn the interest and you do not,
your money should be working for you not the government
9) Use a realistic budgeting system that
works for you and live by it
10) If married, work on the budget together
and discuss any deviations from the budget plan
11) Read
Dave Ramsey’s “Your Money or Your Life”
12) Be patient, it takes time to get rid
of debt, but it’s worth it
13) Stop borrowing money no matter what
14) Track all of your expenses...I like to
use mint.com, but there are other useful tools
15) Maximize a retirement savings plan
16) Have a long range vision for your future
17) Examine your expenses and decrease
where possible, you will be surprised how well this works, negotiate with
cable, phone, and other providers
18) Don’t impulse purchase anything,
educate yourself on the alternatives before making a decision
19) Put a note in your wallet that says, “Do
I really need to buy this”
20) Think about debt as slavery and
savings as wealth-for-your-future
21) Improve your health to lower your
health costs with dentists and doctors
For more detailed information about this topic and others related to preparing for your future sign-up for my secure email group postings to the left of this blog.
For more detailed information about this topic and others related to preparing for your future sign-up for my secure email group postings to the left of this blog.
Wednesday, April 4, 2012
Prepare a Safety Net Now as you Prepare for the Future
My first teaching contract paid me just over $11,000 in 1978. By the time we settled in Wyoming to start teaching, our second son was born. For the life of me I could not figure out how I was going to save enough money to buy a house for our family of four.
Fortunately I was able to borrow $500 from my father and we bought our first home for $49,000 in 1979 due to a first-time home owners program in the state of Wyoming. Our house payment at $400 per month was about double the rent we had been paying. I was transferred out of Wyoming the following year and we sold our home and made $9000 profit. We learned valuable lessons about building equity and tax breaks.
In those early years we made extra money by working second jobs. It helped get us by and we weren’t worried at all about retirement at that point in our lives, we just wanted to survive. We did our best to save a few dollars for emergencies, but not much. Then I was blessed to attend a special convention put on by my employer about retirement preparation that changed things.
I learned that I had a three-pronged retirement program available to me: 1) company pension, 2) 401K styled savings program with matching fund's from my employer, and 3) Social Security. Since I enjoyed my profession, which would never make me rich, I determined to maximize my retirement options.
I started by figuring out how long I needed to stay with my employer to top out on a pension. Next we started savings to our 401K that brought us the maximum matching funds from my employer with a goal of getting to at least 10%. We did this on 'faith and a prayer' hoping we could pay our bills and be aggressive with our savings. Finally, we hoped Social Security would provide an additional financial cushion.
I made a flow chart of major expenses we could anticipate. Missions and College for children, purchasing cars, some travel, and perhaps graduate degrees for Jeannie and me. The result was panic at first and then more careful planning for our future without behaving like penniless paupers.By being frugal we managed to get by and satisfy all of our obligations to others and ourselves.
Now, lest you think we did not have much fun along the way, we bought a ski boat and took trips to Lake Powell and other ski “meccas” to enjoy some family recreation. But we camped out rather than renting villas or motel rooms. After some years we were able to sell the Bayliner and recoup all but $1000, so we considered it worth the investment to spend quality family time.
The ultimate result of this is that we can retire at age 60 and manage our financial needs if we are cautious and wise. Our home will be paid for and our expenses will be minimized with our 5 children successfully launched into their independent lives and careers.
With careful inflation-proofing of our nest-egg, we should be fine for the rest of our lives. We plan on living in retirement for 20-30 years. But something is still concerning me about our future.
We are worried about health care expenses. We worry about Social Security. What about hyper-inflation, could it really happen? What if weather and other natural disasters disrupt and then permanently change our food distribution systems? What if the economy worsens?
Now please don’t get me wrong, I am not pessimistic. I doubt that any of these calamities will happen beyond repair. As a people we continue to be more resilient than we suppose. But just in case, I have determined to add a few more elements to our retirement plan.
In addition to our pension, 401K savings, and Social Security, we have added our own fun, simple, & lucrative Internet based business, and a production lifestyle so we produce some of our own food. This brings us peace of mind and a compassionate approach to retirement. Being my own boss will allow freedom to serve family and community.
My Blog and Website deal with these new parts of our lives. By way of review, they are: operating our own Online Business, and enhancing our production-lifestyle to provide some of the food we consume. Preparations are becoming interesting and fun. We love the creative process.
I encourage you to become part of my secure email list since I will be adding new material several times a week to update what we are learning. Thus far it has been most rewarding and provides an opportunity to help others. I have made mistakes and by learning from them have found some of the best mentors for guiding us while improving our health, fulfillment in retirement, and financial security. Sign-in to the left of this post to join our group.
Fortunately I was able to borrow $500 from my father and we bought our first home for $49,000 in 1979 due to a first-time home owners program in the state of Wyoming. Our house payment at $400 per month was about double the rent we had been paying. I was transferred out of Wyoming the following year and we sold our home and made $9000 profit. We learned valuable lessons about building equity and tax breaks.
In those early years we made extra money by working second jobs. It helped get us by and we weren’t worried at all about retirement at that point in our lives, we just wanted to survive. We did our best to save a few dollars for emergencies, but not much. Then I was blessed to attend a special convention put on by my employer about retirement preparation that changed things.
I learned that I had a three-pronged retirement program available to me: 1) company pension, 2) 401K styled savings program with matching fund's from my employer, and 3) Social Security. Since I enjoyed my profession, which would never make me rich, I determined to maximize my retirement options.
I started by figuring out how long I needed to stay with my employer to top out on a pension. Next we started savings to our 401K that brought us the maximum matching funds from my employer with a goal of getting to at least 10%. We did this on 'faith and a prayer' hoping we could pay our bills and be aggressive with our savings. Finally, we hoped Social Security would provide an additional financial cushion.
I made a flow chart of major expenses we could anticipate. Missions and College for children, purchasing cars, some travel, and perhaps graduate degrees for Jeannie and me. The result was panic at first and then more careful planning for our future without behaving like penniless paupers.By being frugal we managed to get by and satisfy all of our obligations to others and ourselves.
Now, lest you think we did not have much fun along the way, we bought a ski boat and took trips to Lake Powell and other ski “meccas” to enjoy some family recreation. But we camped out rather than renting villas or motel rooms. After some years we were able to sell the Bayliner and recoup all but $1000, so we considered it worth the investment to spend quality family time.
The ultimate result of this is that we can retire at age 60 and manage our financial needs if we are cautious and wise. Our home will be paid for and our expenses will be minimized with our 5 children successfully launched into their independent lives and careers.
With careful inflation-proofing of our nest-egg, we should be fine for the rest of our lives. We plan on living in retirement for 20-30 years. But something is still concerning me about our future.
We are worried about health care expenses. We worry about Social Security. What about hyper-inflation, could it really happen? What if weather and other natural disasters disrupt and then permanently change our food distribution systems? What if the economy worsens?
Now please don’t get me wrong, I am not pessimistic. I doubt that any of these calamities will happen beyond repair. As a people we continue to be more resilient than we suppose. But just in case, I have determined to add a few more elements to our retirement plan.
In addition to our pension, 401K savings, and Social Security, we have added our own fun, simple, & lucrative Internet based business, and a production lifestyle so we produce some of our own food. This brings us peace of mind and a compassionate approach to retirement. Being my own boss will allow freedom to serve family and community.
My Blog and Website deal with these new parts of our lives. By way of review, they are: operating our own Online Business, and enhancing our production-lifestyle to provide some of the food we consume. Preparations are becoming interesting and fun. We love the creative process.
I encourage you to become part of my secure email list since I will be adding new material several times a week to update what we are learning. Thus far it has been most rewarding and provides an opportunity to help others. I have made mistakes and by learning from them have found some of the best mentors for guiding us while improving our health, fulfillment in retirement, and financial security. Sign-in to the left of this post to join our group.
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