Cap'n Bob & the Damsel

CapnBob

Milestone – One Decade of Retirement!

block-10.pngToday marks the tenth year milestone since I began my retirement from the Aerospace Mill for which I worked many years. I must say that those daily routines of getting up out of bed, commuting to the office, participating in whatever the plan of the day might have been, finishing up for the day, commuting back home and attending to home matters were comfortable for me right up until the last day. Now, however, at a decade down the road, I must also state that I don’t miss the old ways a bit.

During the last decade before retirement (starting 20 years ago), Damsel and I spent a lot of time planning for the retirement we were to have. It turned out that by the grace of God and our own foresight, we managed to get our basic plan together. Thankfully, my employer had good a retirement plan and an incentivized 401(k) savings plan, both of which we participated in. Upon retirement, we exercised our choice to roll the 401(k) into a managed payout mutual fund designed just for retirees. We opted for the retirement pension payout as well. Bottom line: we’re doing OK.

Sure, there were still some unknowns and other events post-retirement that would shape our destiny, but the foundation for our sustenance was set by the time we were out of there. We weren’t prepared to lose our California house to flooding, for example, but our insurance payout and a fortunate find of a “flipper” to take that property off of our hands made it a sweet departure from home ownership in California. Otherwise, we would have had to do the fixing up and “flipping” ourselves for which we weren’t exactly prepared. Between that example and a couple of other post-retirement glitches, we have managed to stay afloat.

Pardon all the metaphors, but it seems that we’re set for smooth sailing for the next decade of our retirement, God willing.

01 Oct 2019 by Arizona Notions Retirement

Emergence of the Waxing Crescent

Waxing Crescent at 3%

After yesterday’s lunar new moon phase, we knew that a pencil thin crescent moon might be visible after sunset and before moonset today. Damsel and I went out to the courtyard to witness the thin crescent just at the end of civil twilight this evening. We could see it just above the hill to the west of us which obscures the western horizon from our view, so the timing was important.

After viewing the moon with Damsel, I went back into the house and got my camera to see if I could capture the image posted above. My Canon SL1, like other cameras of it’s class, has a programmed setting which automatically chooses most of the camera settings. To get the photo, it chose F 5.6, 1/400 sec. exposure and ISO 6400. I used a 300 mm telephoto lens. I didn’t have time to get the tripod and set it and the camera up before the moon would set, so I propped myself and the camera up against one of the posts holding up the porch roof.

Click on the image to enlarge.

29 Sep 2019 by Arizona Notions Photography Something Shiny

A New Tax Season Is Almost Upon Us

irs_logo.pngDue to an upcoming change in income status, we started to review our 2019 and 2020 Income Tax situation. It seems that Damsel will now begin getting back some of her hard-earned money that the .gov stole from her while she was working. I know, there are laws that congress passed that made the removal of money from our earnings “legal” under the Social Security Act or whatever. Still, we as individuals would be better off if we had access to those funds to properly invest and not have them deferred for some of the ridiculous spending by congress. It is tantamount to theft in our opinion.

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OK – now that I have that out of my system, I can expound on the tax prep thing. It seems that if we have Damsel’s SSA distributions coming into the household, I have to make adjustments to some things, like withholding and IRA distribution rate. This is to be done in order to attempt to keep us in the current tax brackets and such.

Since the new income will start later this year, I had to analyze whether it would be prudent to make adjustments to those things I mentioned above. Fortunately, for this tax year, that won’t be necessary. It may cause us to owe a little more for 2019, but, as I have said before, we would rather owe a bit than loan the .gov interest free money.

Because of our retirement lifestyle, we set our income rate to accommodate our established needs. Now, because of the increase in available funds, I can reduce the IRA withdrawal rate to the RMD (required minimum distribution) as set by the IRS for retirement accounts. This is a good thing thus preserving those funds for the future while they multiply in our IRA investment pool.

So, until I see some of the exact numbers forthcoming, I have set up a spreadsheet with preliminary numbers to analyze our 2020 income and withholding situation. At first glance, it looks like we’re going to be getting our 2020 tax situation under control. We will fine tune things as soon as the actual numbers can be seen.

25 Sep 2019 by Curmudgeon Rants Money and Business Notions Retirement

Fourteenth Blogiversary

fourteen.jpgThe Cap’n Bob & the Damsel blog is actually a little older than fourteen years; we had it on an earlier platform (BBLOG, I think) for a few months prior to converting to our self-hosted WordPress platform. The first post on the new blog was on September 22, 2005 regarding Feinstein’s NO vote on John Roberts’ confirmation to Chief Justice.

Since that first WordPress entry, we have blogged about politics from time to time, but not so much anymore. We’ve become mostly a diary of our travels and activities with the occasional politiblog thrown in for good measure. We still like to point out the idiocy of the climate changers and Democrats in general, not that it does any good (it keeps getting worse) but it gives us a chance to vent our disgust with the political system in the US and elsewhere.

So, here we are, fourteen plus years down the road, enjoying retirement (coming up on ten years now) in our little desert cottage and occasionally writing about “things,” Perhaps we may still be here fourteen years hence, doing just about the same thing, The Good Lord willing.

22 Sep 2019 by Blogosphere Nostalgia Notions

From Ancestors to Descendants

alex.jpgToday is the fifth anniversary of the birth of our eldest Great Grandchild and the first Great Grandson, Alex. Happy Fifth Birthday to Alex and many happy returns.

That’s a recent photo of Alex at the right, nearing his fifth birthday and like all boys that age showing some maturity (his pose) and some less mature dirt on his face, typical of most normal five year old boys. Alex, his cousin Maci and brother Mikey were on a park outing when this photo was taken.

The three kids I mentioned are our three great grandchildren aged 5, 3 and 2, respectively. The kids live in the Santa Rosa area of California with their mothers, our eldest two granddaughters.

Our eldest granddaughter is the mother of the two boys aged 5 and 2. The second eldest granddaughter is the mom to our only great granddaughter (at this time).

As we watch these kids grow up at a seemingly accelerated pace, we realize that we are growing older at the same rate. We further realize that our youngest descendants are rapidly maturing to become parents themselves in years to come. We can only hope that we might still be around to see the beginning of that next generation.

19 Sep 2019 by Ancestors Family Notions

Irrigation Problems – Solved

Back of the RV Drive

What a difference a couple of days make! We were bemoaning the problems we had with a busted irrigation system just a couple of days ago and today the problem is non-existent. Our landscape contractor found the time to come here and fix our woes this week instead of what we thought would be a delay of unknown length. They quickly diagnosed the problems, made the changes and this evening, all is working again.

Of course, the fixes weren’t all as simple as I make them sound in the first paragraph. They actually spent considerable time cleaning up the area behind the RV drive where our “Rosemary Farm” is growing – or maybe overgrowing. In the composite image above, you can see the after cleanup of the back area – I could look in the photo archives to find a before picture, but I’m too lazy this evening. 😉

I forget the exact number of one gallon rosemary shrubs they originally planted back there, but it was over fifty and under a hundred. Each one with a watering tube of its own from the irrigation feed line planted on the hill just above the shrubs. After the cleanup as shown, the crew installed an all new main line and “spaghetti” feeders for each shrub. This time, the feeders are short and they extended the larger diameter feed line for each group of two or three shrubs. We tested it this afternoon and it looks like everybody is getting the water they need in our arid climate.

The first thing they fixed (yesterday) was the leak shown in our previous post about the problem. They also replaced one of two electrically-controlled valves that activate the two main feeder lines according to the program set up in the controller. Both the leak and the valve malfunction contributed to the excessive water usage we have been experiencing.

We are still in the process of doing some other work with the landscapers; there is another area we want to have irrigated where we acquired a nice ocotillo after the fact. There is also some overdue rock and cactus garden maintenance they are willing to do while they are available. We should be in pretty good shape after they’re done with that and won’t need to do any of that for ourselves until after the weather cools down a bit.

10 Sep 2019 by Arizona Environment Home & Garden Notions Retirement

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