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Bubba

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... they should at least buy you dinner ... that make so much money Hold one of your own and sell off all ... and tight finances can hold us back But ... – PowerPoint PPT presentation

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Title: Bubba


1
APRIL 3-6, 2013, LONG BEACH, CA
Bubbas Retirement Tips
These materials have been prepared by Curt
Pollock on behalf of the CASBO Retiree
Professional Council. They have not been
reviewed by State CASBO for approval, so
therefore are not an official statement of CASBO.
2
Disclaimer
  • The following insights from Bubba are for
    entertainment purposes only. Any consideration
    for personal use is greatly discouraged and would
    cause us great doubt as to why you would even
    consider them. Please dont! Just sit back and
    enjoy!

2013 CASBO ANNUAL CONFERENCE SCHOOL BUSINESS
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3
Bubbas Ten Tips to a Happy Retirement
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4
Bubbas Tip 1 Embezzle Now
  • Embezzle is such a harsh word
  • Temporary borrowing without intent of returning
    sounds better
  • It is amazing how even the best internal controls
    can still allow us to save now for our retirement

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5
Bubbas Tip 2 Check out the warehouse
  • Think about what you might need during your
    retirement
  • Imagine how long that 50 pound wheel of commodity
    cheese will last!
  • Stock up on paper products too!
  • Fill up the garage with paper towels and TP

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6
Bubbas Tip 3 Call in your chips
  • Remember when you did all of those favors for all
    of your friends?
  • Now is the time to collect on them with interest
  • If you took them to lunch, they should at least
    buy you dinner
  • If it has been long enough, try for a new car!

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7
Bubbas Tip 4 Buy lots of polyester
  • While we may have frowned on the old folks that
    wore those amazing polyester outfits when we were
    younger, no more!
  • We are styling when you put on our stretch pants
    and knits shirts
  • Dont forget shoes and socks cannot be
    coordinated!

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8
Bubbas Tip 5 Daily bathing is now optional
  • When you have a full-time job, you are expected
    to come to work all clean and proper
  • Now you can lay around in your bathrobe all day
    and nobody can complain
  • Use your best judgment on how long to save the
    soap

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9
Bubbas Tip 6 Be a burden to your children
  • This is expected and your children will welcome
    the opportunity
  • You will be surprised how what they thought was a
    spare room is now your luxury condo!
  • If you dont have kids, you know relatives and
    friends who do
  • Always be a burden to someone younger

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10
Bubbas Tip 7 Hold a garage sale
  • Ever notice how many garage sales there are that
    make so much money
  • Hold one of your own and sell off all of the
    surplus property from the district
  • You dont have all of that red tape like the
    district has
  • You get to keep the money!

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11
Bubbas Tip 8 Find your dream home
  • It may not be the one you are living in right now
    but plan now
  • Check out what is on the market and harass the
    current occupants so you can get your dream home
    by the time you retire

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12
Bubbas Tip 9 Buy a motorhome
  • The key to retirement is mobility
  • If they cant find you, your retirement will be
    much more enjoyable
  • If you have a tow bar on the back of the motor
    home, you can tow a small car behind you. May not
    be yours but so what!

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13
Bubbas Tip 10 Use your age to your advantage
  • When you retire, people expect you to start
    losing your hair and your mind
  • Use this to your advantage
  • If you forget an appointment, stare into space
    and pretend you forgot even though you never
    intended to go in the first place
  • This works best when people ask you to pay back a
    loan. Ask them if they have it in writing

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14
Curts Ten Tips to a Happy Retirement
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15
It is never too soon to retire!
  • While you think there is a magic date or magic
    dollar amount, lets talk about it
  • It is all about you and what you want!
  • Dont ignore the signs that it is time to retire

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16
Before we get started
  • What do you think of when you think about
    retiring?
  • Is it a calming feeling or more like this?

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17
Curts Tip 1 Dream! Dream Big!
  • Maybe you have some idea of what you want to do
    when you retire
  • Maybe you dont
  • Make sure if you have a dream vacation or
    destination, start visualizing it now
  • Try this on for size!

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Curts Tip 2 Its not just about the money
  • Sadly, too many people decide when they can
    retire solely on their financial situation
  • This is a critical part of retirement but not the
    only one
  • Your health and happiness need to be considered
    at the same time

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Curts Tip 2 Its not just about the money
  • Definitely take the time to calculate your
    monthly PERS payments will be
  • Attend their amazing workshops and dont hesitate
    to ask questions
  • Consider the different options for your monthly
    payments carefully!

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20
Curts Tip 2 Its not just about the money
  • Consider all of your financial resources and
    their likelihood of continuance throughout your
    retirement
  • How fast will those savings accounts dry up with
    your first catastrophic challenge?

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21
Curts Tip 3 Ready to be sick?
  • While money is critical, maintaining health
    benefits is an important factor to consider
  • Before you retire, make sure you understand your
    health benefits completely
  • Get it in writing and see what the length of
    coverage is
  • Buying insurance on your own is very expensive!

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22
Curts Tip 3 Ready to be sick?
  • No matter what the age, you should consider
    whether or not you should purchase long term
    medical care
  • While you think you are in great health now,
    watching my folks go through home care and care
    homes, the bills pile up fast
  • And please dont expect Medicare to take care of
    all of your needs

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23
Curts Tip 4 Manage your calendar
  • If you are worried about filling your time, trust
    me it will fill up quickly!
  • Amazing how many things that didnt get done
    because you were so busy working are now staring
    you in the face to get done
  • Make sure you keep a calendar of appointments
    because you will be so busy that you cant
    remember them all

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Curts Tip 5 Manage your guilt
  • When people hear you are retired, they think you
    are always available
  • Keep in mind you earned this time to do the
    things you want to do
  • Your staff will survive and so will your boss
  • Take a day off whenever you want

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25
Curts Tip 6 Work if you want to
  • Work part time if you want to
  • You have the choice now
  • Some people continue to work for a little extra
    money
  • Some people continue to work because it is the
    only life they know
  • Do whatever makes you happy!

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26
Curts Tip 7 Spoil yourself!
  • Sometimes we are a little hesitant to spend money
    on ourselves
  • Terms like fixed income and tight finances
    can hold us back
  • But who is promised tomorrow?
  • Enjoy life - buy yourself something special now
    and then
  • Dont go broke but you have been saving for so
    long, it is time to spend!

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27
Curts Tip 8 Love your friends!
  • Probably the best thing about retirement is being
    available for your friends again
  • Never let them doubt how much you care about them
  • They got you through so much when you are
    working, now is the time to say thank you

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Curts Tip 9 - Volunteer
  • If you ever wanted to glow, spending time with
    people is so rewarding
  • Volunteer to read to the kids, help with local
    charities, join local groups and participate in
    trips
  • It is amazing how many fun things you can do that
    have nothing to do with spending lots of money

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Curts Tip 10 CELEBRATE!!!!
  • Have a great retirement party!
  • Celebrate with those you love
  • And keep the celebrations going all retirement
    long!

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Curts Tip 10a Celebrate every day!
  • I am not saying celebrate that you woke up alive
    and breathing
  • I am saying to celebrate what you have the
    freedom to do!
  • You are now in charge of your life and how you
    use it
  • Take full advantage of it and do something special

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31
Curts Wish For You
  • Retirement is what you make of it!
  • It is time to live, love, and celebrate!

2013 CASBO ANNUAL CONFERENCE SCHOOL BUSINESS
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