5 Things I Wish I Knew, When I Started

      9 Comments on 5 Things I Wish I Knew, When I Started

picture of hand with sand dollarsI’ve yet to begin this post, and already lambasted for being a complainer. It’s a hot topic between us. I want to share how life throws us interference. He wants me to focus on the wonder of it all. We are living THE dream of millions, how dare I not appreciate every inch of it.

Please do not get me wrong, but here are my lessons on the road, courtesy of the school of hard knocks:picture of tax folders

  1. TAXES: Apparently four months of paycheck deductions, does not cover 12 months of Federal expectations. 35 years of payroll deductions sheltered me from this reality. I am facing penalties as well as 3% interest on amount due. Ouch! And, there’s probably a whole lot of “DUH” in there too. I have never used the word naïve to describe myself, but it may be fitting on this point. Commercials about tax refunds anticipate you have been paying taxes all year, because for the most part, you are expected to be paying taxes all year; and, you really pay, if you don’t! LESSON: Pay taxes quarterly.

    dog walking by a no-dogs sign

    Rebel

  2. OUTDOOR VENUES≠DOG FRIENDLY: Birds, raccoons, and cats are free to relieve themselves in abandoned or forgotten cemeteries, but dogs are not. It’s a bummer driving even 5 miles out of your way to see a landmark, and discover your pooch isn’t allowed. Take the Hoover Dam for example, or the Alamo, or the outdoor fairs that don’t welcome Rover. Several National Parks have extremely tight dog restrictions – essentially they are not allowed in developed areas, on trails, even back country – OK, I’m here to tell you dogs really don’t like parking lots. LESSON: Don’t assume anything, and do your research.imgres
  3. TWO YEAR CONTRACTS ARE GIMMICKS: My two year contract wrapped up a few months ago and I was surprised my bill went down $20/month. That “free” phone cost $480 (it is an iPhone 4s) And, then, there is the totally pointless contract I wrapped myself in, for a mobile wifi hotspot, called a MiFi. After month 4, I learn you can use your cell phone as a hotspot. That one will cost me about $300 for a completely unnecessary product. (Dang it!) LESSON: pay attention to the fine print. Ask many questions before entering in any contract.

    picture of man in bootie, cirque

    Shake Your Bootie

  4. HEALTHCARE: I’ve spent more time on the phone for Healthcare, than I have with any doctor. And, a zip code can dramatically change how much you pay for coverage. I have received a couple rounds of, letters confirming coverage, then denying coverage, then confirming, then a letter asking ME for clarification. Argggh. LESSON: don’t move, don’t change circumstance, and don’t quit your job. (Just kidding on that last one, but… the time on the phone is painful!)

    Two girls at Italy in Epcot

    Epcot’s Italy

  5. ROUTINE: A life absent of routine, makes routine-things, difficult. For example, I used to go to the gym at 5:30 a.m., 5 days a week. That was the best time for me. Now, with limitless opportunity, I am having an impossible time committing to exercise. Routine establishes a time to focus on enjoyable hobbies too. I miss working in a yard, miss my weekly friend gatherings, miss the backgammon competitions… LESSON: New disciplines are required when living this lifestyle – I have work to do!

So many lessons. I’ll be moving forward a little wiser now… that’s a gift, and, that’s the happy

End.

9 thoughts on “5 Things I Wish I Knew, When I Started

  1. Robert Scott

    The stability of having one place that you can call HOME has many merits which travelling does not afford you. That is the sacrifice you make in your current situation. My guess is that you will be settled down again somewhere within a few years but that you will still be in a position to travel. That, it seems to me, would be a good compromise.

  2. MORMOR

    Well boo hoo!
    Seriously, here is the plus side:
    Taxes: We got gob-smacked with taxes the first year of retirement; it gets much better the years following.
    Dogs: Yes, hate the dang rules, but think of all the dog love you have!
    Phone contract: But didn’t the contract include Woody’s ipad for using internet?
    Healthcare: It’s a pain (no pun) no matter what your situation.
    Excercise? Just keep walking!
    Now, how about voting???

    1. Hali Post author

      I got in on the primaries! Woody is still unraveling his voting privilege, but should be squared away any day now.
      Appreciated your reinforcement!

  3. Bevina

    Didn’t sound like whining to me — you can’t know everything up front but you’re learning and sharing. Miss our weekly “gatherings” too.

  4. John Stipan

    Hali, love to you & your man! Your daughter adorable, period! Happy Easter from Oregon (and my heart!)

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