Retirement Status: Is it Not Politically Correct to Say You are Retired?






It seems these days proclaiming that you are retired especially if you are still in your 60’s, may bring out resentment or at least envy from others who often then longingly reply “One day maybe I can retire.”

Explaining to someone who inquires that you are retired and free for the day prompts an observer to later say “Quit saying that!  People are tired of hearing you say that.”

Say what?  That I am retired.  Did I put a little too much happiness into revealing my retirement status?

It seems these days proclaiming that you are retired especially if you are still in your 60’s, may bring out resentment or at least envy from others who often then longingly reply “One day maybe I can retire.”

It may not be that they are sad you are retired, but they immediately think of their current situation and prospects for their own retirement, which may have been dimmed in this prolonged Great Recession.

Saying you are retired is like saying I just bought a new BMW!  People will smile and act like they are happy for you, but secretly they feel bad because they want one too.  Has retirement become a status symbol?

So what are you supposed to say or is it the way you say it that is just as important?  If you plainly report your status as retired without any smile or indication that you may in fact be actually enjoying retirement, would that be better?  Probably.

It is hard enough for you to start saying you are retired in the first place.  You start off with saying you are trying to retire, or transitioning to retirement, then semi retired, then finally simply retired.  Now you discover you better be sensitive to others in reporting your “retired” status or at least do not show too much happiness in doing so.  Makes sense to me.   Has anyone experienced this?

Small Town Retirement Blog Back in Action

Waiting for Opportunity

After a month of being down, this blog is back up, after a lot of effort to find out what the problem was, then to get the latest blog program installed and the backup data including post restored.   The problem was Godaddy did not keep their servers where this is hosted, up to date.  Old versions of PHP and MYSQL was still being used and WordPress would not longer run on these outdated programs.   Of coarse no one tells you that, so much after the fact discovery was in order.

In any case, it is good to be back blogging.  One of our sites, 55CommunityGuide.com has really been growing and expanding.   We added states and cities to Assisted Living, Skilled Nursing Facility, and Senior Housing.  That has really expanded our reach in those areas.   Facility managers may added their listings for free and word is starting to get out about this offer and many listings are being added.

In the retirement community  world it looks like sales are very slow, just  like the other new home sales, with a potential double dip in the economy getting everyone scared to make a move.   I heard Del Webb radio ads about sales prices the lowest this year.

Moves to small towns I understand have slowed also.  I don’t think it has anything at all to do with attractiveness of small towns fading, but the same slow down in this uncertain economy has brought a lot a activity to almost a standstill.   As they say it could be a good time to buy, if you don’t have to sell something first.

But time moves on and people are and will be retiring no matter what the economy does.   We will get used to the “new normal” one way or another.

Analysis of a Move to a 55 Plus Community






After looking for over a year, we found the perfect 55 plus community for us. It is on the edge of the metro area, about 40 miles from downtown but 18 minutes from a major regional mall and more retail-shopping. Nearby there is a winery with hotel and six restaurants, 15 minutes from outlet mall, and nearby some good places for lunch. It is far enough but not too far. We can still meet our friends in the metro suburbs for lunch every month.

55 plus community model home

Del Webb 55 Plus Community Here We Come

After looking for over a year, we found the perfect 55 plus community for us.  It is on the edge of the metro area, about 40 miles from downtown but 18 minutes from a major regional mall and more retail-shopping.  Nearby there is a winery with hotel and six restaurants, 15 minutes from outlet mall, and nearby some good places for lunch. It is far enough but not too far. We can still meet our friends in the metro suburbs for lunch every month.   It will definitely change our way of living to a new lifestyle while being close to familiar areas too. Not a major relocation but a positive adjustment none the less.

Forty percentage of the people living in Village at Deaton Creek,  this active adult community on the outer edge of our metro, still work.   This means, at age 62, some will  be our age or younger.   So the age balance is right for us.

It took us some time to come up with the model home that we decided on.  We live in a 4 bedroom, 3.5 bath two story with full  basement.  Not because we had a big family, but because we had a home office and one employee.  We no longer have the employee coming over and have cut back the business to the minimal, but still my wife and I do want our offices.   We had thought going in the perfect retirement home for us would be a “ranch with a basement”.  Basements we found out are a little pricey.  A basement runs $50,000 and then $30,000 to be finished, thus $80,000 extra for a finished basement.  At Del Webb they have come up with another less expensive option, that of a loft.  The finished loft is an option that runs $23,000 to $25 ,000 more, but does add a large room, a bedroom and a full bath upstairs. So we reasoned that would work as I could have my office in the loft and my wife could have the office on the main level and like the 2 bedroom plan.  So a 2 bedroom with a loft we went searching for.   But when touring the available homes, there was not a loft available, so it would take 5 to 6 months to  have one built the Del Webb  salesperson explained. Huh.

So next we decided to check out resales so we went through the brochures we picked up while riding around in our golf cart during our two night vacation getaway stay at the community.  I asked about any listings with a loft and none were available since the loft is a relatively new option and none of the resales have a loft.  But the agent did tell  me about another listing which is a large ranch in the Overlook section rather then the middle size homes in the Vista collection.  The plan was the Cumberland Hall floor plan.  It is all on one level and has a large corner office and 3 bedrooms, one of which could be our second office.  We liked the floor plan layout too.  In addition, this resale has a large screen porch and a nice kitchen and many extras.  The price was only $15,000 more that the two bedroom with loft that we would have to wait 6 months for.  Wow, this is maybe the one for us!

The resale agent was very helpful.  She could come to our current home and let us know the market price and what we could expect to get. So how would this work, we begin to ask.  Would we contract to buy the resale and immediately list our current home for sale.  Do you sell your current home first to reduce the risk then find a home to move to?  One resident said she listed her home for sale and put a contract for Del Webb to build her a home but her home sold within two months.  What did she do I asked?  Got on a boat and traveled she replied.

Being the cautious planner that I am (and who isn’t when you are retired), none of these options looks that great.  Yes, we could cash in a CD and buy the resale while listing our current home for sale.  Both homes are similar in price so we may almost break even.  Then take the sales proceed and buy the CD back.  Sure there is a 3 month interest penalty, but that may not stop us.  However the bigger risk is selling our current home.  We have heard story after story about negatives of selling in this market.  It is in great condition, with many improvements in a good location (doesn’t everyone think their home is special and more valuable than the rest of the neighborhood). Or another option would be to sell our current home and then find our new home, but that means maybe moving to a temporary residence if we cannot find a home to move in to right away.  I don’t like moving that much.
About now I am asking, and why are we moving?  Oh yes, the new lifestyle, new friends, activities, slower pace, nature walks around the pond, fun, etc. Yes, we are sold on the community and have a floor plan we think would work for us.  We are positive about the move, it is just how to do it.

So thinking about this during this long Memorial Day weekend, my wife and I think we don’t want to put ourselves in an uncomfortable situation right now, just because we would like to move to a 55 plus community.  We have our house paid off, we are retired, so why complicate matters. Our assessment is in this environment it is no time to roll the dice and try to sell your home if you don’t have to.  We don’t want to move twice and we don’t want a vacant unsold home to worry about. We still plan on moving to a 55 plus community and now have a much better idea of where we want to live and the floor plan that would suit us. You just don’t know until you have checked things out, if it will work for you.  We will keep our options open and look forward to making the move when the time is right for us.

America’s Coolest Small Towns 2010

Budget Travel finished their poll of the 2011 coolest small towns and the results are:

Ely, MN
Cloverdale, CA
Brevard, NC
Saugatuck, MI
Kennett Square, PA
Bandon, OR
Cuero, TX:
Nyack, NY
Medicine Park, OK
Egg Harbor, WS

Rest of the best small towns are:
Sandoint, Idaho – Stow VT, Redge Lodge MT – New London NH – Lyons CO – Sitka AK, Siston OR, Cooperstown NY,  Three Rivers CA, OJai CA.

Ironically I have visited more of the small towns on the “Rest of the Best Smalls Towns” list and they are good choices.  The top list of best small towns gives me a list for future visits.