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What We Are UP To: The Travel Edition

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travel off the coast of saint Thomas

While I haven’t been doing much business travel lately, that’s going to come to an end very soon. Spring conference season is right around the corner. It’s not a problem. I love to travel. But I find my travels are fun when I plan right. Here are a few things I’m planning or like to have nearby when I travel to make my adventures a bit more fun. 

Watching | The Best Exotic Marigold Hotel 1 & 2

> With its star-studded cast, this story is about some British retirees who decide to spend their retirement in India. The movie covers a myriad of topics – love, getting older, feeling valuable, etc. and you’ll experience all the emotions that go along with it. I’ve seen both movies and a plane trip might be the perfect way to see them again. 

Reading | Made in America

> I just started reading Bill Bryson’s “Made in America: An Informal History of the English Language”. I will say that I’m enjoying it but it’s also heavier reading than I expected for being an informal history. I might have to find time to read this one earlier in the day and switch to something lighter right before sleep. Might be perfect for long layovers in the Atlanta airport. Ha!

Remembering | Drink More Water

> Keith and I have Walt Disney World annual passes, so we will be planning some travel to the parks. To make our trips more pleasant, we’ve put together a dedicated backpack for our trips. I solicited some feedback from other annual passholders in a Facebook group and we’ve added a couple of Brita water bottles. They filter water and are BPA free!

Working On | Organizing Warranties and Manuals

> With a new house, comes new stuff. For a couple of months now, we’ve simply been throwing all of the manuals and warranties into a box. Well, we can’t stand it anymore! So, we purchased a little filing cabinet that fits into a closet. My new mission is to organize all of it…and before I start to travel. 

Feeling | Relaxed

> We’re certainly not bored around here. Plenty of work projects and stuff to do around the house. But it’s at a good pace. It’s one thing to accomplish goals when you’re running around at a frantic pace. It’s another to keep working the list of to-dos then realize you’ve been slowly and steadily crossing things off the list. The first one is good. The second way is better. At least to me it is…

Planning | Our first Pilates workout

> Well, it’s not our “first” …but our first in a long time. We’ve been walking regularly, and I still love using my Cubii. Found a Pilates studio near our house and signed up. Let’s hope we remember how to do this. LOL! Seriously, I’m sure we will be feeling it but very happy to be exercising again. 

Loving | My new MacBook Pro

> My laptop was showing some signs of slowing down so as a preventative measure, we decided to buy a new one. This purchase put us 100% in the Cult of Mac. Our last laptop was Windows based. We’re still setting it up for travel but so far, I’m in love. It’s really nice to have the same access to files on the road as when you’re in the office. 

Geeking | Clutch Charger

> Carrying around a portable charger is a ‘must-have’ in my travel bag. But I have to admit, they can be big, bulky, and heavy! The nice folks at Clutch Charger sent me one to test drive and I’m impressed. It’s the size of a credit card. Very lightweight and it does the job. 

What’s UP with you?

Image captured by Sharlyn Lauby off the coast of Charlotte Amalie in St. Thomas, USVI

Aging In Place: 7 Things You Can Do to Prepare Your Home

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fenced yard in New Orleans for aging in place

When Keith and I were making the decision to move to Gainesville, Florida, we also talked about staying put in South Florida and renovating our current home. It was the live version of “Love It or List It” with David Visentin and Hilary Farr. LOL! Deciding whether to stay and renovate or move is a big decision. Especially when you consider aging in place.

Ultimately, we decided to move. But as we were building our current home, we kept in mind that this was going to be a place where we wanted to age comfortably. This played a role in many of the decisions we made during the construction process. 

As you talk about your aging in place plans, think about your home. It could be done as part of a renovation to the home you have right now. Or building something new. Maybe a bit of both – buying a new home and then renovating it. Regardless, here are a few things we learned along the way when it comes to aging comfortably at home.

1. Appliances: I’m specifically talking about refrigerators, washers, and dryers. I know the current trend is to have the refrigerator freezer on the bottom. But that means bending over all the time! Same with front load washers and dryers. Think about how much bending you want to do all the time and are there options to have the latest while saving you some back pain.

2. Bathrooms: Three things to consider: adult height vanities (again, be kind to your back), “comfort height” toilets, and shower bars. If you’re not ready to look at shower bars in your bathroom, it is possible to have them pre-blocked during construction. Then that support structure can be utilized later. 

3. Ceiling Height: We love high ceilings. They can make small rooms look very spacious. But changing out light bulbs and smoke alarm batteries can mean climbing very tall ladders. At some point, we must decide how many times we want to climb up on ladders when we’re 60, 70, or older. I hate climbing on ladders now and want to do even less of it when I’m older. 

4. Drawers and cabinets: Just like ceiling heights, tall cabinets look fabulous. But depending on how tall those cabinets are, it might involve using a step stool to reach those top shelves. And our builder told us to focus on drawer pulls versus knobs. The idea being to minimize the amount of gripping we would need as we age. And as lovely as some drawer pulls look, they also suggested steering away from ones that might accidentally grab or snag clothing.

5. Flooring: This is a double-edged sword. On one hand, it can be helpful to have all wood or tile floors so there are no thresholds to possibly trip over. But then again, if we put rugs on the wood or tile floors, we run the risk of tripping over them. I wish I had an answer. It’s definitely an important conversation to have. 

6. Landscaping: I love beautiful landscaping. I’m not a fan of yardwork. Keith likes yardwork. He finds it cathartic. We spent a lot of time talking about how much yard would give us the beautiful part we love without being a huge burden. While Keith loves doing the yardwork today, there might be a time when he doesn’t want to, and he shouldn’t feel guilty about it.

7. Lighting: Our home in South Florida was filled with natural light. We rarely turned the lights on during the daytime. Yeah, in the evening we turned lights on but not during the day. Gainesville is different. The natural light isn’t the same. Lighting is important because we need it to read, clean, etc. Not only do we need to plan for built in lighting, but we need to consider additional lighting in terms of lamps, night lights, outdoor lighting, etc.

I don’t know that anyone should duplicate what Keith and I did on our home. But I put this list together so you can have the same conversations and make the right decisions for you. I’d like to think that most of us want to enjoy our homes as we age. That means planning for both form and function when it comes to aging in place.

Image captured by Sharlyn Lauby while exploring the streets of New Orleans, LA

What We Are UP To: The Old School Edition

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old school Reykjavík Iceland city street

I’m a big fan of technology and have lots of it. I love technology gadgets and test-driving new tech toys. But loving technology doesn’t mean that I have to give up some old school activities or items. This month, I find myself gravitating towards things that are a bit more classic or old school. 

Watching | Bad Boys for Life

> I’ll admit it. I loved the first two movies. It’s a classic cop buddies action flick. And every once in a while, that’s really okay. I don’t subscribe to the theory that every movie needs to be Academy Award winning material. In fact, lately I’ve been gravitating toward fun, entertaining movies over serious, somber ones. 

Reading | Mr. Penumbra’s 24-Hour Bookstore

> Full disclosure, I’m not finished with this one yet, but I’m loving the juxtaposition between old books and new technology. The book is about a marketing executive who loses his job during the Great Recession and ends up working third shift at a bookstore. Then strange things start happening. So far, it’s a nice example of how old school and new school can work together nicely.

Remembering | MAD Magazine

> Talk about old school! I remember reading MAD Magazine when I was much younger. It was my introduction to satirical content. Last year, the publisher announced that MAD was basically shutting down, except for the occasional special collection. Well, I ran across a special collection in the grocery store this month and couldn’t resist. I haven’t opened a MAD Magazine in years. I hope I’m not disappointed. 

Working On | Car Research

> We’re a research family. We do spreadsheets to plan our vacation. LOL! You can imagine what it’s like trying to figure out what car to buy. Keith and I downsized to one vehicle a few years ago, so having a reliable mode of transportation is important. It will take us a while to sort this out. Our current vehicle is almost 15 years old and many of the fancy new items we added back then are now considered to be very old school. GPS? Pfft. Just use your phone.

Feeling | Settled

> We’ve managed to unpack all of the boxes inside the house. Can’t say the same for the garage, but we’re declaring it a win. We’re in phase two of moving – rearranging where everything goes around the house. The nice part is that we’re settled. All of our stuff is in one place and we don’t have to wonder where we’re going to live every month. That was a terrible feeling and one that I hope no one ever has to experience.

Planning | WordCamp Miami

> Unretirement Project runs on a WordPress blog. WordPress is considered to be the most popular content management system (CMS) in the world and used by about 75 million websites. WordPress users hold regular events, called WordCamps, where users help other users learn more about the system. Old school sharing and networking. We’ve been going to the one in Miami for years and even though we live in Gainesville, we’re still going to it. 

Loving | Coconut Water Cold Brew

> I’m a big fan of cold brew coffee. I make my own at home after finding this recipe via Jaime Oliver. It’s very easy to do. My latest experiment is using coconut water. It does make a subtle difference. Not overpowering but very mellow. If you like cold brew, it might be worth a try. 

Geeking | Light Box

> Light boxes are basically plastic boxes with a translucent surface that you can place shapes/letters/etc. on so the messaging is seen via contrast. Growing up (and still today), many businesses use very large light boxes to let customers know the latest specials or advertise help wanted. Today, companies are making smaller versions of light boxes for personal use. I have one in my office so I can post my own motivational messages. It’s fun!

What’s UP with you? Got a favorite old school item or activity? 

Image captured by Sharlyn Lauby while exploring the old school streets of Reykjavík, Iceland

What We Are UP To: Holiday Edition

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Christmas tree ornament pink holiday flamingo with Santa hat

Disclosure: Occasionally we receive free products for review or include advertising links in posts, but no one impacts the honesty of our opinions. 

The holiday season is upon us. It’s a time to be thankful and giving. And when I say giving that doesn’t necessarily mean buying gifts. There are so many no-cost things we can give to others like our respect and attention. Keith and I are excited to be spending the holidays in our new home. And with a new place I’m sure we will start some new holiday traditions. 

Working On | A New Christmas Tree

> Our last home was a little smaller than this one and a full-size tree just didn’t look right. For the past few years, we’ve had a tabletop tree. In this house, we have a bit more space, so we’ve decided on a full-size Christmas tree. It’s decorated with our favorite things like donuts, pizza, and tacos. LOL!

Watching | Once Upon a Deadpool

> I will admit that Deadpool movies are a guilty pleasure. After the release of Deadpool 2, the movie was re-released in a PG-13 format with the addition of Fred Savage and a holiday theme. We can get our Deadpool fix and some holiday cheer at the same time. I fully expect the debates about whether it’s a holiday movie. Just like Die Hard, which is definitely a holiday movie. 

Reading | Harry Potter and the Prisoner of Azkaban

> I finally got my hands on book number three in the Harry Potter series. Just started the book (no spoilers, please!) We’ve also been playing the Harry Potter Wizards Unite game on our phones, so I’ve been very curious about the character of Sirius Black. Can’t wait to see how it turns out! 

Planning | 2020

> I can’t wait to start saying it’s the year 2020! When I was younger, the year 2000 seemed so far away. Remember Y2K?! We thought the whole world was coming to an end. The good news is that we survived the turn of the century. And now we have a new decade to celebrate. 

Feeling | Excited

> The thought of a new year is always exciting to me. I spend time thinking about my accomplishments and set goals for the New Year. Now that we’re settling into our new place, we have no excuses. It will be fun to see what the year has in store for us!

Loving | Uten.Silo

>  The Uten.Silo wall storage unit was created by Dorothee Becker in the 1960s. She said it was inspired by her father’s drugstore. There was a hanging bag full of fascinating things waiting to be discovered. I’ve been fascinated by the piece ever since I saw it. Now I’m thrilled to have one hanging in my new office. 

Geeking | Amazon Echo

> We have several Amazon Echo devices. It’s been fun setting them up for the new house. If you have a few Amazon Echo devices and haven’t checked out the routines feature, it’s quite cool. You can set up your device to do a series of commands – like turn on the lights, tell you the weather, and then play your favorite music station. 

Remembering | Self-Care

> It’s easy during the holidays to over-indulge. While I certainly don’t want to damper anyone’s holiday celebrations, do take time to rest, relax, and take care of yourself. It might be having a cuppa tea and reading a good book. Or sleeping in late. Self-care is important. You will be thankful that you did. 

What’s UP with you? Keith and I wish you the best of holidays. Thank you so much for supporting Unretirement Project and cheers to the New Year!

Help Your Employer By Taking Control of Your Retirement

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sign live life to discover referring to retirement

I ran across an interesting article on Workforce.com talking about “Employers’ Blind Eye for Boomers Slowly Opening to Retirement Realities”. While the article is focused on what employers can do keep older workers engaged, I think there are some takeaways for individuals planning their retirement.

One of the things that both employers and employees need to realize is that the retirement conversation doesn’t have to be “all or nothing”. And I think that’s hard. From an organizational perspective, companies often do not like to operate in shades of gray. They think that there could be a risk associated with it. 

Employees don’t always want to operate in the middle either. Especially when it comes to a big lifestyle change like retirement. They want security and who can blame them. So, instead of waiting for your employer to tell you what they can offer, why not start thinking about what you can and are willing to work with. Here are a few suggestions:

  1. Know your rights. While some employers might start dropping hints about “getting older” and “planning for retirement”, it’s important to know what your employer can and cannot do. The Age Discrimination in Employment Act (ADEA) ensures that older workers receive equal and fair treatment in the workplace. It protects most workers forty years of age and older from arbitrary age discrimination while on the job and it seeks to support the employment of older persons based on their ability rather than age.
  2. Have a work stop date. Even if you decide to change it, start thinking about when you would like to 1) slow down and 2) stop working. That way you can control your plans. It’s possible the company will ask you to consider staying longer than you originally planned. Are you open to that? What conditions would make that a good decision for you? Same goes for having a slow down date. Maybe simply reducing your work schedule will be a perfect way to transition to full retirement.
  3. Think about changing work responsibilities. If you decide to reduce your schedule, the company might rework your job responsibilities. This shouldn’t be a surprise. The organization has to get the work done. But honestly, you don’t want your job to turn into something you don’t enjoy. Think about what tasks you currently do that you love and wouldn’t want to give up, even with a reduced schedule. Also think about how you would accomplish those tasks if you didn’t go into the office every day. 
  4. Think about changing responsibilities at home. With more time at home, comes changes to our daily lifestyle. While Keith and I don’t have children, I know of several people who have retired (or semi-retired) and become babysitters for their grandkids. Some of them love it. Others were hoping for more time to do things on their bucket list. Our happiness at home is often connected to our happiness at work. If you’re thinking about creating a retirement transition plan, think about what it means for your home life.
  5. Consider the budget. Any type of change at work and home means looking at finances. How much income do we anticipate? Can we afford to cut back financially? Are there expenses we need to re-evaluate? A successful transition to retirement includes a financial transition. It’s better to discuss lifestyle changes before you’re forced to make them. In fact, it could make sense to test drive some changes like cutting the cable cord or buying gently used clothing from PoshMarkbefore you need to so it’s not as dramatic. 

The point here is that waiting until someone else brings up retirement puts you behind in the negotiations. Be prepared to discuss what you want and when you want it. That way, when an opportune moment presents itself, you can go for it. Keep in mind that you have colleagues around the same age who are trying to make plans as well. I’m not suggesting you throw a colleague under the bus, but to get a win for everyone, people need to know what they want.

Your retirement exit strategy doesn’t have to be a one-way conversation. Employers can be very supportive if they know what you want and are willing to offer. 

Image captured by Sharlyn Lauby while exploring the streets of Atlanta, GA

10 Tips For Working Caregivers

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this is what commitment looks like airport sign relating to caregivers

As we get older, one of the things we have to think about is caregiving. Not just caring for ourselves, but being caregivers to other persons. While we might initially think of caregiving as taking care of our parents or a spouse, it’s also possible that caregiving could extend to our siblings or other relatives. In fact, it’s possible that we might provide caregiving to a person who isn’t a blood relative but nonetheless a person very dear to us.

According to AARP, over 40 million people provide caregiving in some form. This translates to approximately 17% of today’s workforce. Because caregiving is such an important topic that affects a lot of people, AARP recently conducted a two-part webcast on “Tips for Working Caregivers from Working Caregivers”. It was a very interesting session that offered some things to consider. My big takeaway from the first session was to think about creating a caregiving guide. I can see where this isn’t one of those things that you should hold off until you need it.  

  1. Be prepared for the possibility of caregiving. You know your family situation. Is there a family member that might need caregiving at some point? Has there been discussions about how caregiving will happen? And who will be primarily responsible for it? All questions that are better asked and answered before the need arises.
  2. Talk to your employer. During the AARP webcast, they said that over 56% of caregivers have to make accommodations in their work, especially when it comes to time. Talk with your manager. Let them know your needs and give them some reassurances that your performance will not suffer as a result.
  3. Research caregiving-friendly companies. If you’re considering a job change, look for employers that offer caregiving benefits. At minimum, look for employers that are open to offering flexible schedules. Additional benefits might be available through health care insurance or the company’s employee assistance program (EAP).
  4. Understand the legal aspects. At some point, caregiving might include being responsible for the care recipient’s financial affairs and medical directives. Make sure any required legal documents are in place and that, as a caregiver, you have the confidence of everyone around.
  5. Set expectations with care receivers. I think this is an important one. Care receivers need to understand some of their responsibilities, like possibly wearing a monitoring device. Or if you’re a caregiver and work from home, that you aren’t there to entertain the receiver. Boundaries are important in care giving.
  6. Use technology to your advantage. This is another aspect that applies to both caregivers as well as care receivers. Care receivers might enjoy some freedom by learning how to use apps like Facetime, where they can quickly check-in and let a caregiver know they’re okay. Or allowing an internal camera to offer some peace of mind.
  7. Discuss finances. According to AARP, the average out of pocket expense for a caregiver is $7000/annually. While it’s possible that some community resources can provide financial assistance, there should be a discussion about how expenses will be handled.
  8. Get some medical education. You don’t have to earn a medical degree, but you do want to know some basics like how to move people from a wheelchair to a car and vice versa. The good news is that AARP offers some videos on how to handle everyday activities in their “Home Alone” section of their website.
  9. Be open about how you feel. Caregiving can make you feel overwhelmed and frustrated. It can also be an honor and very fulfilling. You’ll find that there are other individuals in the same position. Just having someone else to talk with can be a huge stress reliever.
  10. Learn how to ask for help when you need it. And, how to accept help when others offer it. Talk with the care recipient and your support system about what you’re prepared to do (and possibly not do). And don’t ever forget to take care of yourself. In return, consider paying it forward and helping others who are going through the same thing.

Caregiving responsibilities aren’t something to be taken lightly. No one wants to be hashing out details when a loved one is sick or in desperate need of care. The best time to talk about caregiving is now.

Image captured by Sharlyn Lauby while exploring the streets of Atlanta, GA 

Retirement Planning: 3 Money Moves to Help Everyone

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garden decorations alligators playing in a beach scene created with extra money

I’m not a financial advisor. I don’t like telling people what to do with their money. It’s a very personal decision. Keith would probably tell you that I spend too much money on shoes. But I did run across an article in Real Simple magazine about money and retirement planning that I thought could apply to anyone and at any point in their retirement journey. The three things the article mentioned were:

Set financial goals (and get a second opinion). First things first. One of the ways we reach our financial goals is by having some. Want to save money? Have a goal. Want to invest money? Have a goal. This doesn’t mean that our goals are etched in stone and won’t change. But having a goal staring us in the face can keep us on track. I remember when Keith and I faced the reality of needing a roof on our house. They’re expensive! So, we set a goal to save a certain amount each month. Some months we saved less and others we saved a bit more. In the end, we met our savings goal. 

The other big step we’ve made to help us with our financial planning was getting outside resources (i.e. accountants and certified financial planners). It’s important to build relationships with people you can trust. That doesn’t mean you have to agree with everything they suggest. Ask questions. Understand the answers. 

Learn more about investments. Accountants and certified financial planners can provide you with some education about the investment market. So can bankers and real estate professionals. Another place you can look for information is educational institutions. Years ago, Keith and I took a university course on financial planning. It wasn’t to become a financial planner. But to learn the basics of how investments work. For example, what’s an annuity and why someone might want to invest in annuities. Or how the stock market and bond market differ. Even if you’re not currently investing in these areas, it does make sense to understand them. Because what happens with the investment market impacts other things.

The next time your employer has a 401(k) meeting, make it a point to attend. Learn more about your options. Ask the representative covering the meeting where you can get some additional information. 

Be mindful about money. My takeaway from this is simple: think about how much money you’re making and how much you’re spending. Keith and I have a monthly financial meeting where we talk about not only our business expenses but our personal spending. We compare our spending habits over time. We talk about conducting experiments to see if we can reduce our expenses, like the time we started grocery shopping at Target versus the local chain and saved ourselves 50% on our food bill. (And that’s not a typo.) Granted, we haven’t totally “cut the cord” yet…but we did get rid of our landline when we moved to Gainesville. Life didn’t come to a screeching halt. I can’t imagine adding it back.

Being mindful about money also includes conversations about credit. How much credit is good to have? What are the best credit cards to hold? What’s our credit rating? It includes pulling our credit report annually – it’s free – and making sure our credit report is accurate. 

You work hard for your money. You want to know that your money is going to work hard for you. That means getting educated about how money can do that over time. All of the little money moves we make can add up to a big result. 

Image captured by Sharlyn Lauby while exploring Duval Street in Key West, FL