Feeds:
Posts
Comments

Posts Tagged ‘retirement’


In November 2012, I posted about a decision my husband and I made to relocate to Pittsburgh “some time in the future.”
We did end up buying a home about 15 minutes from downtown Pittsburgh and have rented it out since then. Our move was predicated on two events: my son’s graduation from college and the passing of my husband’s mother, whose health had been declining for years.
Both events happened within weeks of each other, signaling the time to begin preparations for the move. I realized the timing of events meant we could be relocating in under a year. Fear and panic set in. I asked my husband if he really was ready to go so soon, or did he want to extend our tenant’s lease. “I want to go,” he said.
I learned quickly, that fear and excitement can thrive side by side. I also realized what it would take to get this done – a lot of time and substantial about of money. After the grueling task of disposing of mom’s assets and home, I had to begin our own weeding and pruning. The task has been made more difficult by the uncertainty of my sons’ needs for household articles in the coming months. Much of what we need to reduce is serviceable, so I’d like to preserve whatever they could use before dispensing with our excess. Also, our new house is larger and can accommodate a lot of what we have, – so I don’t want to dispose of things we might need to furnish it.
At the same time, we need to make room just to begin the repairing, painting, etc., to make the house salable. That’s why some days I am overwhelmed.
When I get started, I can usually make some decisions and put things into the tag sale or a Goodwill piles. But after a few hours, I am stymied. It feels like it will never get done, even with so much time ahead to do it.
I realize that some of the obstacles are emotional. While a new adventure awaits (and I love the idea), we leave friends behind, and will have to start all over. And that makes it hard to pack up.

Advertisements

Read Full Post »


I deliberately used a question mark in the title of this post because that has been the reaction I got when I told people I was going to Pittsburgh. They would ask why and I said it was because I wanted to see It. They didn’t believe me. Except for one friend, who said she wanted to come too.

It all began many years ago, when reading an article in (I think) Business Week or some similar publication. It hailed Pittsburgh as one of the most livable cities. It defined livability as a place that offered cultural, educational and outdoor opportunities, with good housing prices and safety. Recently cited by the AARP, of which I am a card carrying member, as one of the best places to retire, I got even more curious. So one night, over dinner with my friend and our husbands, the subject came up. Before you knew it, we decided to go, abetted by our husbands.

We enlisted a realtor and told her we were on the first stop of a several year tour of potential retirement places. We wanted to see the housing stock and the city. We spent nearly two full days looking at homes and neighborhoods and one day exploring what Pittsburgh has to offer.

We were smitten! I saw many homes that I liked, and one I loved – mostly because of the kitchen. My friend, who is not afraid of taking calculated risks, said, “Why don’t you buy it?” I got excited. It felt right. There were several “signs” that I should do it, not to mention the mortgage interest rates being at their lowest ever.

I got on board immediately. There was only one hitch. My husband. Typically ultra conservative about any risk, as am I, I could not imagine him considering it. I would be able to do it without him, but I would face a penalty on early withdrawal of my retirement funds. It would be better to tap his, since he is old enough to withdraw funds without penalty.

All the way home from the airport, my friend and I sang the praises of Pittsburgh. My husband laughed in a way one does when not taking chatter seriously. When we got home, I told him I had something serious to talk with him about. I reiterated how much I loved the city. It had all the important elements I was looking for in a location: affordability, diversity, access to education and excellent healthcare, culture, good restaurants, an art scene, nearby airport and the ability to live in a suburban setting that is only 10 minutes from downtown. As a bonus, it was beautiful. Hills, parks, rivers, hiking and bike trails.

Then he said, “If you think you can buy this house for the price we can pay, do it!” Sixteen words that changed our lives! Not only did it determine where we would go next, it was the first time we took a risk – together. It is a calculated and safe risk – I did the math, interest rates are at an all time low, and the investment will hold its value. Further, time goes so fast and this next stage of our lives is only a few years away.

Well, the house negotiations did not work out, but I am returning to Pittsburgh to find another. Our paths have been forged and I am excited about it. Who knew, several weeks ago, that I would be retiring to Pittsburgh?

Read Full Post »

%d bloggers like this: