The Deed is Done!

Yay!  I’ve done it!  I have given my notice at work and will be a free man next Tuesday.

I feel really weird right now.  The future is completely open to me now and it is a very scary place.  Things have a way of working out for me and I think I will be just fine.  I feel like a zombie right now.  Kind of like being in limbo.

There is so much I need to do now.  Find my land in the country, Sell my extra junk and then sell the house.  I have a good sounding lead on the land.

I’m afraid of change!  This is very scary to step out of my rut into the world.

OMG!  What have I done?

 

Time to Retire?

Some unpleasant things are about to go down at work and it may be the time I’ve been looking forward to for so many years.  Time to retire.

I’m just thinking out loud here because it will help me get my thoughts together.  I see little value it continuing to work there.  It’s just a job.  There are many out there if I really wanted one but I don’t think I do.  At least not right away.

After selling my house in the city I will have about $282,000 liquid assets.  100K of that is freshly invested and could start paying off soon.  I have another 130k in a retirement account that I will have access to later.   I will probably buy an acre or two in the country and put a used mobile home on it.  Total cost around $60K leaving me $222K to live on.  I can even live out of my RV for a while if necessary.  Not including interest, investment and maybe a part-time job I can have a budget of $1156 per month.  I don’t spend that much now.  I estimate my simple life would cost me about $600-800 per month which would stretch out my time even longer.

I have 16 years until I can access my retirement which will possibly grow to at least 200K.  If Social Security still exists when I am 62 I can expect to get $800-1000 per month additionally.  Plenty more than I need.

I am a relatively healthy person and according to healthcare.gov I can get a nice plan for about $190 per month.  No problem.  Besides, If I get sick and die then also no problem.  If I get cancer or something then I will just let it happen.  No need to fight it.

The weirdest thing will be getting over the fact that my savings will be going down instead of up.  But then that is the nature of retirement.  My sister is dealing with that right now.  I may still work a dream job or something fun for a little cash when I get bored.

Also weird is that the time is actually upon me.  I have a resignation letter written and have a weekend to think it over before I have to decide.  One shouldn’t make such decisions hastily but I have also been mulling this over for decades.

It is scary but starting a fresh new life is a good thing.  People quit their jobs all the time and I don’t have to follow my plan.  I will be free to do as I please.  Having the savings, investments and retirement plans as my parachute will just make it all the more sweeter.

They say making money with a hobby is the best way to achieve happiness.  I have a number of hobbies that can make me some money.

I am 80% for quitting right now and I feel good and surprisingly calm about it.

The next day…
It’s Saturday. After a virtually sleepless night I put together a spreadsheet to crunch the numbers on my retirement finances.  It looks REALLY good.  I can live on my savings and investments for 16 years assuming even minimal portfolio growth and odd job income with tons of extra to spare.

If my retirement portfolio does decently I will suddenly be rich again when I’m 62. There is no reason I should be working anymore.  I am 100% for quitting right now with still another day to go.

 

 

Happy Earth Day 2014

ed2014Happy Earth Day.  Are you all being good little eco-children?

Every day is Earth Day for me.  Being Eco-friendly is not just about saving the environment.  It can also save you money.  To me, saving money is even better because in about 40 years, I won’t care about the environment any longer.

Over the years I’ve saved a lot of money by doing various things that one should be doing anyway.

I drive my 54 MPG Hybrid every day and as little as possible.    All the lights in my house are either LED or Compact Fluorescent.    I have six 250 Watt solar panels on my house generating around 8 Kilowatt-hours per day.   I use water sparingly and capture rainwater in buckets for the plants.  My house is well insulated so I need less cooling and heating.  I use very little heating in the winter.  Cold is good.  My new LED backlit LCD TV uses very little power.  My windows have film to limit heat infiltration.

I can go on and on.

So… What are you doing to make the world better?

 

How old is the Universe?

unvrsIt is truly the oldest question in the Universe.  How old is the Universe?

There are all kinds of theories.  The Big Bang Theory, the steady-state theory, the God theory, the back of the turtle theory.  All are valid or invalid depending on your intelligence level.

As a physicist I have spent a lot of time contemplating it all and have come up with the final explanation.  It is really quite simple.  So simple you would have never thought of it and by definition it would be impossible for anyone except me to be able to comprehend the real facts.

The simple truth is that the universe began  at about 5:30 am on May 13th 46 years ago in what you would consider to be 1968.  Our universe is a part of the Multiverse where billions of other universe bubbles float around and bang into each other.  Our particular universe sprang into being when two of those other bubbles bounced off each other.

Not really a bang.  More of just a sudden reality.  The random formation of elements came together basically as you see it now.  Nothing existed prior to 1968.  You may think that time existed before then but it is merely an example of pre-configured history.  To you and everyone else, those memories and written history seem perfectly real as if they actually happened but they in reality they just suddenly appeared when the universe began in 1968.

Not only can I tell you when the universe began, I can also predict the approximate time of its end.  We are currently past the peak of the curve.  The universe has already started decaying.  The rise of entropy level is obvious.  Just look around you.  Our existence has, at most, 40 more years left.  At that point everything you know will quickly evaporate and return to the nothingness from which it sprang.

Fortunately there are plenty of other universes appearing and disappearing all the time.  When ours is gone the emptiness it leaves will soon be filled with a new one.

Easy peasy. Case closed.

 

No longer needing friends

I am so proud of myself.  It has been a very long time since I have desired any type of friendship.  I have completely stopped contacting my current friends and I feel good about it.

The way I see it, if they are not going to satisfy my needs then I see no value in allowing them to waste my time.   It is just bad business practice.

There is far too much to be done while alone.

 

Ugliest City – San Antonio

I would like to nominate San Antonio for the ugliest city in the United States.  I don’t mean the city itself.  It’s fairly decent as far as infinitely sprawling overpopulated metropolises go.  It’s the people.

The people of San Antonio have to be the ugliest around.  The population here is 90% Mexican and I hate to have to be racist, but there’s no other way.  I just got back from getting some Friday Nachos and as I sat in the restaurant, I looked around at the women of all ages.  All Mexican and all ugly.  I looked at the men.  More ugly.  I guess since they are both ugly they appear beautiful to each other.  To me…not so much.  Even the kids are a sad sight.

I think I’ve covered this before but it deserves revisiting.

A few years ago I visited a small town in Colorado.  I was dumbstruck by the number of beautiful people I saw.  I couldn’t believe my eyes.  It was like I had stepped into another universe.  A universe where I should be living.

Here I am back in San Antonio where there’s nothing to see.  I guess I need to spend more time looking at my phone and not at the world that surrounds me.  It works for everyone else.