About Me

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I'm a life-long New Englander, father of 4 challenging kids (I know: I'm supposed to say "wonderful", but while that'd be true, technically speaking, it'd also be misleading), and fortunate husband to my favorite wife of more than 20 years. I've got over 20 years experience breaking things as a test engineer, quality engineer, reliability engineer, and most recently (and most enjoyably) a Product Safety / EMC Compliance Engineer. In the photo, I'm on the left.
Showing posts with label Retirement. Show all posts
Showing posts with label Retirement. Show all posts

Sunday, December 2, 2012

A Blessed Problem

I've come to a realization regarding one of my big issues with the world today. Actually, I think that this is a problem that has been lurking in the world far before my time, and will continue far beyond my time, and I'm stunned when I realize that there are some folks who are completely unaffected by it. Meanwhile, other people, like me, are somewhat constantly caught in the grips of this affliction, and can never fully escape, although we might from time to time find ourselves unencumbered for a short while...only to be fully ensnared again in short order.

This issue is one that saps your energy, disrupts concentration, makes it very difficult to make decisions or to gain traction on any project(s) that you might have on your To Do list. It also utterly disrupts any daily routines that you might have.

It's not wholly on the negative, though. There's a constant learning curve that you find yourself on; I do like to learn new things on a regular basis. Learning new things seems to me to be a necessity for having a fulfilling life. It seems to me that if I'm not learning something, some small part of me is falling into atrophy. Of course, I'd like to have some control over the things that I'm learning, and due to this condition of mine, I don't seem to always have the control that I'd like in that respect.

The issue? The condition? Affliction? This thing of the world...of the human condition...that is so challenging?

It simple: there are just too darn many interesting things in the world. Every time that I look around, something of interest catches my eye, my attention, and my mind. It doesn't matter what I might have been doing, or intending to do, something crops up in the course of the day, and like a raven to a shiny bauble, I'm ensnared. Off I go to study that new thing, or to do something that I had no intentions of doing, and those things that I had intended doing are left undone.

Ugh.

This is what has kept me from frequent writing out here, from reading things that have long been on my list, from undertaking projects that I'd like to undertake for pleasure and entertainment value, and all other sort of minor goals that I'd like to see accomplished.

I signed up for a wood turning course recently; I've been longing to learn how to turn wood for years, but there was always something else to engage me. I'll have to sign up for that again, as it was cancelled.

I traveled to the US Northwest for a week at the beginning of November and there were nearly endless things of interest there. In flight, I typically read, and I had loaded up my kindle with a couple of books (I'm a very slow reader!) that have been on my list to read for a long while. However, two magazines caught my eye; they were as shiny as shiny gets. National Geographic, both: 50 of the World's Last Great Places, and one that focused on historical figures like Ben Franklin and Leonardo DaVinci. I read the second, but haven't cracked the first.

I've been thinking of joining Toastmasters, which is a group that helps you to hone your public speaking skills and be more comfortable talking in front of others. This is helpful in all forms of communication, whether that's at home, in the office, or in front of those live groups.

I've been asked to participate in the Ad Com in a professional society that I've been a member of for 10+ years.

As I looked for resources on learning wood turning, one person to whom I reached out suggested that I join the somewhat local wood turner's social club.

Waiting for doctors to attend me and mine, I have finally read a couple of Shakespeare's plays (A Midsummer Night's Dream and Twelfth Night). I've started reading The Bronze Eagle, by
Baroness Emmuska Orczy. There's just plain too much of interest to read!

I can recall back in the early 90s, when the company that I worked for was downsizing by offering what I would call exceedingly attractive severance packages to workers. I know a few workers who received over 2 years' salary to NOT return to work. But there were some who were on the proverbial fence. Of near-retirement age, and offered a severance package that would pay them essentially a year or more...seems like a good idea to me.

More than one voiced a concern, not about finances and how they might meet monetary obligations after they are no longer working, but rather about what to do to fill their day. Even today my jaw drops at this "problem".

If I retire, what do I do every day? How do I fill my time?
Really?!? That's a problem for people? Am I the only one with interests outside of work? Are there really people who can look at the world around them and not find *something* of interest? I remember my boss back in that time was  fellow who had many legitimate hobbies, plus a relatively new grandson. What do you do with your day?

Spend time with your grandchild.
Do some wood working (which he did like to do)
Fix the house
Read
Crosswords
Hike (or walk)
Volunteer your time (food pantries, libraries, school systems...the list goes on and on)
Fish
Golf
Swim
Write
Talk to your wife
"Talk" to your wife :)
Learn how to cook

My personal list seems to me to endless. How can anyone not have any idea of what to do with their time if they're not working? This notion boggles my mind, especially since I can barely concentrate long enough to get one project completed before something else grabs my attention and asks to be considered. Most of my project are about 80% completed at best.

I still have one cabinet to complete for the kitchen that I remodeled about 5 years ago.
I never put all of the screws in the deck that I built 4 years ago. And there's a railing that needs to be added now that we've changed a window.
I've been cleaning and organizing my workshop; that's about 75% completed, and I'm wondering when I'll get back to it.
There's some trim that's not quite completed in the bathroom that I remodeled...I don't know...9 years ago.
It's pretty close to winter here and I haven't made a "home" for our kayaks in the basement. Time's running out for that one!
I've always wanted to be a published writer, and I do have a book about half written. I started writing it right after I got married more than 2 decades ago. When will that get finished?

Then there's what the future holds:
I have a few ideas for businesses: something to keep retirement entertaining;
I'd like to take some cooking classes (There's a weekend-long grilling course in the Smokey Mountains (I think) that I've long wanted to attend);
More wood working classes and projects;
I've been thinking of another blog that would concentrate on reviewing products from a reliability, functionality, usability perspective;
More writing;
More reading;
I've always thought that there should be a radio show dedicated to what I call "should have been classics" - dedicated to the thousands of awesome songs that have been recorded but that have never gotten air time;

Every week I get another thought on things that I'd like to be doing.

With all the stuff that the world has to offer, am I the only one that has trouble finding the time to do things (like blogging) and complete projects? I'll try to be better in the future, but dog-gone it, there's just so much to do, and so little time!

Monday, October 1, 2012

The Cost of a Secondary Education

It's been much on my mind of late, to be sure. One in college, another about to go in just a couple of years away. The cost here in America of a college education is way, way, way too much. Everyone seems to agree. The sticker prices that I've seen range from low $20k per year (plus room, food plans, and other insundry items) to mid $50k per year plus the aforementioned insundry items. Total costs more like $28K to $60K, excepting most community colleges and Ivy League.

The cost since I went has far outstripped inflation. One wonders if Physics has changed, that they must constantly create new laws and rules and what not. Fair: there's more history now than there was a quarter of a century ago, but not all the kids are taking history...they don't really have all that much more to learn!

I've been reading a bit about this, and there are several arguments about exactly why college is so ridiculously priced.

They point to the fact that many colleges have installed "world-class" fitness facilities with rock walls, archery ranges, and other niceties to lure students. More stuff = more students = more money, but more stuff costs more money = higher tuition. Some other probable causes are gourmet food services. The argument is that kids are eating awesome food, fit for kings! Not the swill that I ate in my day. Better food = higher costs = higher tuition. BUT, better food is a lure for the kids. It's cyclical.

I read that some years ago our government tried to make secondary education more affordable by offering more money (mostly low interest loans) to families sending kids to school. Colleges perked up: "They have more money? GREAT!! We can take that!" These loans didn't make it easier to pay; the made our education cost more!

Businessweek had a decent article about this here:
http://www.businessweek.com/articles/2012-09-06/student-loans-debt-for-life#p1

Most of what I've read really tip-toes around what I think is truly the cause of out-of-control college costs in America:

GREED

Seems to me that a couple of generations ago, it was perfectly possible for a kid to pay his or her own way through college, and it was quite common to do so. I did, as did my beautiful wife. We had loans, but we were able to pay those loans. In some cases (not really ours, but in other cases), parents were able to help out and did so as much as they could.

Colleges, I'm thinking, put their nose into the wind and smelled money. "What? Mom and Dad are paying?!? Why, they've got more money than kids do...let's take that money!"

And the KA-CHING! sounded in the hallowed halls of American education.

"What? Many parents have houses! With Equity, no less! Why, I'm sure they won't mind digging into that for Jr's education!"

KA-CHING!

"What's this I hear? Mom and Dad were saving for retirement!?! HAHA! It is to laugh! Let us jack up tuition and take that as well!"

KA-CHING!

I can't find the article now, but I read one recently that said that one school's Dean (or president...can't recall which) went from a salary of ~$150k in 2000ish to ~$650k in 2010. Did anyone else get a 433% pay raise in that decade, while we were all losing pensions and 401(k) value? Not to mention the value of our real estate (and / or our jobs)? And not for nothing, am I the only one who thinks it's absolutely crazy that a school official makes more per year than the President?

Also note: that 433% is actually HALF A MILLION DOLLARS!!! Anyone else making an additional half million per year? Not I, certainly.

It's pure, unadulterated greed.

"But wait: we have put in this most awesome workout room! Free for your son or daughter to use!"

I'd rather get them a membership at a nearby gym and save myself the money. Not for nothing, my kids don't go to gyms. Kids will also by and large eat utter crap and be happy about it! Gourmet food is completely lost on them!

I have an idea, why don't you dispense with niceties, and keep my kid in school more? For the money that it costs, it absurd that they're out of school (and I know it varies) from late April to Late August, and for a month around New Year's, and then again for a week in the spring! They attend classes for just over half the year!

And the final blow: You spend 4 years to get a BA degree, pile up $100k in debt, and you can (if you're really lucky) get a job earning $30k per year. That's if the job is open, which it probably isn't because the fellow who helped you pay for the $125k that you didn't borrow to get through school can't retire because the school took the equity in his home and raped his savings, so he still needs the job and can't afford to retire!

Greed. And the paper isn't worth it anymore, but neither can we dispense with it.

Just plain greed. And no one is really saying that.

This is one of those cases where everyone knows that there's a pile of elephant crap in the middle of the room, and they're all looking at the bottom of their shoes to find out where the stink is coming from.

"Perhaps the baby needs a change, luvvie?" As he lights his cigar with a $1,000 dollar bill.
"And fire the cook!"