The check lists here are relevant and if anybody wishes to add to them please do.
Would you mind listing those books again? Thanks, SlimThe books I recommended have had a profound effect on my wellbeing and how good I feel every day. Finding the right professional (the ones that don't prescribe medication at every opportunity) to deal with ailments or injuries, as you begin to creak, are invaluable.
You are referring to the acronym KIPPERS...What? Parents giving adult children money? It is very common these days. Boomers have accumulated a lot of wealth. Even where their children are successful themselves, they want to help out their kids financially. If they have enough money, there is no harm in doing so. Otherwise, it is left until they are dead and they will get no joy out of helping their children out then.
But the big change that I am seeing is boomers are much more measured in the amounts that they are giving. During the Celtic Tiger, parents were borrowing money to help their kids out to get property. I know of plenty of cases where the parent bought the property for the child and gifted it to them, repaying the debt themselves! I don't see any of that now.
These all seem clear, and useful, apart from #13 - what's an Afterlife loan? Is this when you sell your house to a company that pays for it over your expected lifetime, or something?Every week I meet several people who like me are retired. Best thing about being retired is that every day is like a Bank Holiday. The worst thing is that some kind of financial independence is still a pipe dream or you are financially worse off than you have been. Yours should all be done for, mortgage should be a memory and the next years are now your most important.
I suggest:-
1. Get shut of top up mortgage or any other loans. Remember, you have to do this sometime.
2. Concentrate on your physical and mental health.
3. You've reached "me" time.
4. Review life insurance.
5. Get fitter if necessary.
6. Get your savings in trim even if you cannot beat inflation. You need a Rainy Day fund.
7. Improve anything that needs doing in your home.
8. Don't delay in getting your tax affairs up to date.
9. Slow down now.
10. Drive more carefully if you're not a careful driver.
11. Give time to your family as necessary without being a "hero. "
12. Keep your passport in date.
13. Don't even think of an Afterlife loan.
14. Bring your family onside.
15. Cherish your hobbies (this doesn't mean building a light aircraft from scratch). Reading, Writing, Sport, etc.
16. Avoid any rut.
17. Clear your credit card debt every week (not every month). Use the card less and less where possible.
I think they meant a "Lifetime Loan"?These all seem clear, and useful, apart from #13 - what's an Afterlife loan? Is this when you sell your house to a company that pays for it over your expected lifetime, or something?
I don't think that (m)any financial institutions lend to ghosts...
What I would suggest first is don't look at it as a two month trip that is set in stone, think of it as an open ended trip and you decide when the time is right to return home. when I've booked my trips I don't book the return journey until I'm there and a get a feel for how things are going as was the case on my last Spanish trip in 21/22 where I came home early by two monthsI am just looking for tips to get in the frame of mind for two months in Spain or similar.
Unfortunately it's all gone "Pete Tong" with regards to cycling at the moment. I started back on the road in April and was regaining some of the lost fitness but then two things happened, the weather turned in July and hasn't really improved yet but here's hoping mid August is better(Cervelo, are you back in the saddle in Spain?)
Yes, but most of the time we never set foot on the beach. Strange but true. We like the long promenade and looking at the sea.Hi Isle of Man, just wondering do you always go to beach type holiday resorts?
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