Saturday, May 16, 2015

Retirement Savings and Costs

  As more and more of the baby boomers reach retirement, there seems to be a steady flow of  articles and advice in magazines and newspapers, on TV, and all over the internet about how we should plan out our expenditures and budget for the future.
  Chief among the savings that can be realized is the cost of commuting to work. In the years that I worked for DC Comics, commuting costs -- parking at the train station, train fare and subway fare -- were a hefty chuck of change. Working for Preload reduced those costs substantially as my commuting was all in the car and, even at their highest prices, gas costs were lower than the trips to New York City. And when I moved to Combined Resources, only five and a half miles from home, the gas cost was substantially reduced (and eliminated on those days when I rode my bicycle).
  Another big reduction could be the cost of meals eaten out. Plenty of people I've worked with stopped for coffee and a (fill in the blank) on their way to work, went out for or ordered in lunch, and even got take-out for dinner on the way home. Maybe they're still going out for meals -- we know of couples who've retired in which the spouse who had been preparing the meals all these years has announced "I'm done cooking...forever!" -- but there's still the potential for a reduction, if only because the odds on anyone going out to eat three times a day seems a bit extreme.
  And a third category of savings is on clothing. Since you don't have to dress up to go to work, you save on the cost of new clothes (particularly such things as suits), as well as dry-cleaning and any other laundry services you might require.

  There are certainly some potential increases in expenses that can come along with retirement too. Many articles talk about people who decide to go traveling near and fall victim to being in "vacation mode," overspend and blow their budget away. Others warn that as we get older, we start to wear out and need more medical attention; even with the best insurance, co-pays can add up quickly.

  I have not seen any articles, however, that talk about the little things, those hidden expenses that can add up, so let me bring up just a few that I have noticed in my relatively short period of retirement.
* Coffee, milk, sweetener: I drink two or three cups of coffee a day. When I was working, I drank virtually all of them in the office, where we had a coffee pot and it did not cost me anything. Now that I'm home, I'm making it myself. I actually had to buy a new package of coffee filters last  month; I hadn't done that since I got a package of 300 back in about 2003!
* Electricity: Maybe not such a big difference, but I'm sitting at my laptop at home checking my email, roaming the internet and playing Words With Friends, rather than doing it at a desk in the office. And if it's hot, I've got the a/c running, which certainly wouldn't happen if I wasn't here.
* Supplies for those chores I never got around to: Case in point, I've been systematically removing and re-leveling most of the paving stones in our back yard. This is not something I'd be doing if I was still working; I would have pulled up the half dozen that had sunk particularly low and that would have been it. Instead, I've bought eight bags of sand (and counting) because after I do one spot, I realize that I now have another section that needs adjusting.
* And, finally, toilet paper: Not saying any more except that when you were out of the house eight to ten hours a day, there was stuff happening regularly that is now happening at home.

Sunday, May 10, 2015

A 'Mazing Fan

   Since Sammi moved to Virginia, we've made an annual tradition of meeting somewhere halfway between every spring. In past years, we've met in Baltimore, Washington DC and Annapolis. This year we decided to make our meeting on the DelMarVa peninsula and Dover fit the bill as a midpoint.
   Among the places of interest to visit in the Delaware capital was Spence's Bazaar, a combination Amish food mart, flea market, and garage sale. Among the regular vendors is a gent named Woody, who has a fairly large comics and collectibles booth.
   While flipping through one of his boxes, I came across a bag with four issues of 'Mazing Man for a dollar. It might be considered a blow to my ego to find books I wrote going for such a small amount, but, hey, I can always use a few more copies as giveaways. When I showed the bag to Woody, he said, "Ah, 'Mazing Man -- I loved that book."
   I replied, "I wrote that book."
   It took Woody a moment to realize what I was telling him, but then he said, "No charge for the books."
   "Well, then," I said, opening the bag, "let me sign one of them and give it back to you."
   Which I did.
Woody, 'Mazing Man, and yours truly

Monday, May 4, 2015

First Dunk 2015

Longtime readers of this blog are aware that the official opening of our pool comes with First Dunk and that event happened today, the earliest date since 2010. The pool has already been open for a couple of weeks -- I am the eternal optimist when it comes to going for a swim -- but today the air temperature was around 80 degrees and the water was at 74. Add to it that I had just been doing yard work and mowing the lawn and I was ready.

Yes, it was a bit brisk and it will probably be a few weeks before anyone else decides to join me, but...

= splash =

...the season has begun!

Sunday, April 26, 2015

Old Photos of the Week #15

  Among the events at the DC Comics company Olympics in 1985 was playing Family Feud. I came up with all the questions, then polled fans at a local comic book shop, as well as some of our regular letter column contributors to get the percentages.
  The surveys included "Name your favorite hero with a color in his/her name" and "Name someone in the comics industry with the initials J.S." I played the host, but, unlike Richard Dawson, I was not kissing or hugging any of the contestants.
Robyn McBryde and I explain the rules to the staff.

Linda Robak, Peggy May, BobRo, Jenette Kahn, Joe Orlando, Bob LeRose, Karen Berger, and Neal Pozner
Linda Robak and Dick Giordano square off in Round 1. The Pepsi bottles on the table were not there as product placement. I needed them to hold up the game board. 

Retirement Report

Okay, so I've been retired for almost four weeks and what have I done with all my "free" time?

* Well, there's the twelve hours spread over four different days that I spent at Combined Resources, wrapping up a couple of audits and other end-of-quarter business.
* I visited DC Comics twice, once for the retirement luncheon for six of my former compatriots and the other for the "getting out of town" last day ceremony.
* I had three doctor appointments -- two six-month check-ups and my annual physical. (Hey, isn't this what old people are supposed to be doing all the time?)
* I ran and played Adult Ed volleyball on seven evenings.
* I donated platelets twice.
* We had Alex here for a weekend.
* I got the annual inspections done on the cars.
* I replaced a bunch of rotted pickets in the fence in our back yard.
* We met friends at the Museum of the Moving Image to see the "Mad Men" exhibit.

Yes, I'm aware that pretty much everything on the list above would have been done even if I was still working, though probably at different times or on different days.

On the other hand, something that would not have happened was the establishment of Men Seeking Pizza. Two friends and I have decided to find the best slice of pizza in town, so we meet each Wednesday and venture to one of the many pizzerias in Farmingdale. After dining, we return to my house to evaluate the fare. With swimming season approaching (albeit at a snail's pace this year), our post-pizza time may well be spent poolside. We already have four potential additional members and a virtually unlimited number of pizza places in the area, so MSP looks to be something I'll be committed to for awhile.  

One other accomplishment of my retirement: I have finally caught up in reading the perpetual pile of magazines in the family room, something that has not happened in many years. For the first time in memory, the only periodical in sight is the weekly TV section from the Daily News.