Exciting week in our progress toward retirement and relocation.
Magic numbers: This last Tuesday was 100 days left in my final semester teaching at TMCC. Perhaps because I am in “short timer mode” and nostalgic during this semester, these numeric milestones cause me pause when I reach them.
The event reminded of Chapter 100 from Tom Robbins’ “Even Cowgirls Get the Blues.”
“Well, here we are at Chapter 100. This calls for a little celebration.
I am an author and therefore in the same business God is in: if I say this page is a bottle of champagne, it is a bottle of champagne. Reader, will you share a cup of the bubbly with me? You prefer French to domestic? Okay, I’ll make it French. Cheers!
Here’s to the one hundredth chapter! Hundred.
A cardinal number, ten tunes ten, the position of the third digit to the left of the decimal point, a power number signifying weight, wealth and importance. The symbol for hundred is C, which is also the symbol for the speed of light. There are a hundred pennies in a dollar, a hundred centimeters in a meter, a hundred years in a century, a hundred yards on a football field, a hundred points in a carat, a hundred ways to skin a cat and a hundred ways of cooking eggplant.”
As a joke a decade ago I had a “Retirement Countdown Clock” sitting on my office desk which counted down days my 30 year anniversary of public service. I would carry the joke further every few years by sending e-mails to friends and colleagues with the subject line, “My pending retirement . . .” and explain that there was only 3,650 days (or fewer days as time passed) until my retirement and I would make my best effort to visit and make my good byes in the “few” remaining days I left. I am now in the “double digits” of days left at the college and there really is only a few days to make time to say good-bye to all those friends and colleagues.
Tuesday of this week also marked 125 days until our target departure date. Our countdown is rapidly working its way down.
Official Paperwork: On Friday, Tracy and I drove to Carson City to file my final retirement with the Nevada Public Employee Retirement System (PERS.) While I had previously given the college my notice to retire, I also needed to complete and submit my retirement application for my pension with PERS. My retirement application had some complexity because I have an overlapping 16 years of law enforcement (Police/Fire retirement) and 20 years of college teaching (Regular retirement) for a combined total of 32 years credit of public service. The application was also an exception because most Nevada college and university faculty contribute to other retirements systems like Teachers Insurance and Annuity Association – College Retirement Equities Fund (TIAA–CREF) and not PERS. The forms are now signed, notarized, and filed.
I have now officially “pull the pin” and the “fuse is lit” for my retirement effective January 7, 2013.
Cheers!
Alan in his office at Truckee Meadows Community College, 2012
Tracy arranged an 18 month lease for an apartment on Via Laura in the downtown historic district of Florence from Apartments Florence. The apartment is about 1/3 of a mile north of the Duomo, the Basilica di Santa Maria del Fiore (Basilica of Saint Mary of the Flower), and a block away from Basilica della Santissima Annunziata (Basilica of the Most Holy Annunciation.)
Alan obtained travel insurance from World Nomads.
For a greater than 90 days visit, Italy required a full Schengen Visa. Our requested visa is titled “Elective Residency” which requires proof of financial support, a place of residence, and medical insurance. We now have two requirements out of three and statements requested and enroute from the Nevada Public Employment Retirement System (PERS) to demonstrate our financial independence with our pensions. An Elective Residency visa does not allow our employment in Italy. Which is fine with us since our goal is retirement not work.
Alan rubbing the snout of Il Porcellino (Italian “piglet”) the Florentine nickname for the bronze statue of a boar. Originally intended for the Boboli Garden, it is currently in the Mercato Nuovo in Florence. Visitors rub the boar’s snout to ensure a return trip to Florence, a tradition that has kept the snout in a state of polished sheen.
It’s that old joke about a rock band performing for ten years in small halls and venues to suddenly make it big and become “an overnight sensation.” Tracy and I have been considering and planning our retirement for about five years.
Tracy explained on the “Back Story” page that it all started with a cruise to the Mexican Rivera for Tracy, her mom, aunt, and sister. Tracy fell in love with old colonial Mazatlan and came back told me we should consider retiring to Mexico.
That started the research for retiring to a locale where our pensions would stretch further and we could travel and explore more of the world. We carefully considered Mexico, Costa Rica, Panama, and Belize. After much thought and discussion, we discovered that one reason for looking for an inexpensive place to live was to have the ability to travel to Europe. Rather than flying from Central or South America for occasional visits, why not live in Europe full-time? In the current financial situation, Greece, Spain, Portugal, Ireland, and Italy were all bargains for cost of living. Tracy and I love art and with UNESCO saying 60% of the world’s great art being in Italy, we decide on relocating to the country of Tracy’s heritage, Italy.
In our constant “work in progress” for retirement planning, we started research in earnest. We have been asked over and over “How do you know that?” Well these are the resources:
BOOKS: We love books and started there when we were considering Latin America. The problem you have to consider is the “lag time” between the book being written, publication, and the book being purchased. We found many issues, like immigration rules, to be a “moving target” that is constantly changing. Generally speaking, the more recent the book is, the more accurate and useful it is. Tracy was a graphic designer for over 15 years and truly understands that something is out of date the moment it goes to print.
With e-Readers and online publishing become more common, we found several of the above books found available as e-books. The are also books available exclusively as e-books that were very helpful, even if they were non-traditionally published. Many books are available from Amazon.com or Barnes and Noble, some directly from the authors, and some provided by travel sites, often as a courtesy or a “leader” for other services. I have downloaded several to my Kindle e-reader.
There are many Web sites with expats moving to Italy as their intended audience. Like all Web sites, some are professional; some written by talented and dedicated amateurs who have a love for the topic; some by businesses hoping their well written site will attract you into purchasing a service they provide; and some accurate at the time they were written, but now out of date; and some are badly written and often just plain wrong (they often have an adjacent “Alien Abduction” or “You Never Have To Pay Taxes Again” Web site.) Several Web sites are intended for British subjects and you have to remember that the rules may be different for citizens of the European Union than for citizens of the U.S.
What we have found is that there is no better way of learning how to become an Expat than to read about the recent exploits of people who accomplished just that. Expat blogs are a great way of getting recent information. It’s important to remember the “moving target” factor that rules and laws change, people have their own unique circumstances, and there are geographic differences. With that in mind, blogs are still a great tool to learn from other people’s experiences. They also have the added bonus of being able to contact the blog’s author with a question. Most bloggers are more than happy to share the answer.
The definitive source of information is government Web sites. However, you may need to search through several sites to find the answers you need. Remember to check to see if it up to date. Most sites have a date of the last update somewhere near the bottom of the home page. Language may be an issue as not all government Web sites are bi-lingual. There are some translation sites like Google Translate that do a fair job of translating the information, but it can be time-consuming and is not always accurate. Again, the famous “moving target” factor is compounded by how well the site’s Webmaster does their job.
After reading and researching tons of information, verifying known conflicts, we believe we have an understanding our goal now. We have moved onto the implementation stage our plan to retire to Italy. Tracy is the “Queen of Organization.” On the wall of our bedroom is now a project calendar listing all the remaining “To Do’s” that we need accomplish in the next six months. We have the “To Do” lists in our computers and on our Kindles. One reason Tracy is retiring six months prior to our departure is to make sure all “loose ends” get tied up and do not delay our scheduled move. Our big move will not be an “overnight success,” but an achievement built on a lot of hard work.
A question we have repeatedly been asked is how Tracy and I plan to stay in touch with family and friends back in the States after we relocate to Italy.
We are planning to make maximum use of today’s communication technology. We won’t have cash flow to make frequent trips make to the US, so we plan to stay in touch through the constantly evolving technology. The cost of international phones calls and the nine hour time difference the west coast can make traditional telephone calls problematic.
SOCIAL NETWORKING: Tracy and I started this WordPress Blog with the principle goal of staying in touch with family, old friends, and new friends we will make. We wanted a central platform to journal our new lives, share travels and events, post photography and communicate. We will also create “An Italian Point of View” FaceBook page and link it to this blog to mirror the posts and provide an easy second method of access for FaceBook users. FaceBook Chat allows us real time communication when we and another person are online at the same time. A third access method is to link the Blog postings to Twitter so people know when we have updated our Blog.
E-MAIL: The Blog allows for an e-mail notice whenever there is a new posting to the Blog. Tracy and I both have new G-mail addresses for traditional asynchronous e-mail. Google Docs (soon to be Google Drive) allows us to create real-time, cooperative documents, like a vacation itinerary, that can be shared a with a friend planning to visit while updates and edits can be done on both sides of the Atlantic before their departure.
WEBCAM: We have had good previous experiences using Skype and ooVoo for free video chats with family. We hope to expand on that to see family and friends frequently and see the grandkids getting bigger over time. G-mail also have a video chat service available that we want to explore more. There is also a premium service from Skype and ooVoo that allows multiple participants in a video conference call that we intend to investigate.
WiFi: Italian anti-terrorism and anti-mafia laws limits free WiFi Hotspots like we are used to in the States. There are free and paid WiFi locations in Italy, but there is a more elaborate sign-in process. We will also have WiFi at our apartment, a MiFi system, or mobile WiFi cards for our laptops. Broadband Internet is one “luxury” that we consider a necessity for our life abroad. It is our key to staying in touch with family and friends in the US.
TELEPHONE: Before leaving the US we will purchase an unlocked cellphone with an Italian phone number that we can share with family and friends in the event there is an emergency that requires that we be contacted immediately. Cellular Abroad, sponsored by National Geographic, has unlocked cell phones available with the Italian SIM cards and a “pay as you go” payment option. This is useful for us since we don’t plan to have much need for a phone in Italy immediately, but still need one for emergencies and business related calls. Italian government agencies will often use phone text messaging for notifying clients. Cellular Abroad provides its cell phone services through the Italian cell phone company, Vodafone, which provides phone service nationwide in Italy. We don’t expect family and friends to pay international rates to chat on the telephone when video calls, text chats on the computer, and e-mail is free, but we wanted the telephone option for an exceptional events, emergencies, and for our local use in Italy.
Ask us next year if these “best laid plans” worked as we intended.
Next week is Tracy’s final week at work prior to her retirement on June 29. She is excited to start her retirement working full-time on our final visa paperwork and preparing all the logistics for our move to Florence. She is the ultimate “Queen of Organization.”
I’m envious she is retiring first, but looking forward to be teaching one last semester at Truckee Meadows Community College while still helping Tracy with the moving process between classes. I have a few days less than 200 to go until I “pull the pin” and join her in retirement.
Between careers in law enforcement and college teaching I have about 32 years in public service prior to retirement with five years working in the private sector before that. I feel privileged to have had two challenging and rewarding careers serving my community and, with minimizing and simplifying our lifestyle, being able to retire young enough to fully embrace our expat adventure.
It has been big year for minimizing and downsizing our material world to prepare ourselves for retiring to Italy.
In July 2011, Tracy and I put our house up for sale. After living in the same home for the last 12 years, it was a big commitment minimize our possessions to move into a one bedroom apartment in preparation for moving into what will probably be an even smaller living space in Florence.
We went through the contents of the house and donated, recycled, sold, and trashed, trashed, trashed. We disposed of everything that would not be going to Italy with us and we would not be using through 2012. We delivered surplus household items to the Salvation Army, Goodwill, Committee to Aid Abused Women, Truckee Meadows Community College, Silver State Law Enforcement Museum, in-laws, children, friends, and Disposal Services. The adult kids in town helped too with hauling things away. Guess how quickly two college aged sons respond to the text message of, “Would you two want a bar for your apartment?” I didn’t realize how much furniture sons Casey and Adam could fit in back of a Subaru hatchback.
Absolutely amazing the sheer volume of material that can accumulate over the decades from two adults with eight children. (Seriously, who still needs three bulletproof vests after being out of police work for a decade?) Even with trying to repurpose every item possible in the house, we filled one 14 cubic yard dumpster, two additional 6 cubic yard dumpters, and a 14 foot U-Haul truck with debris. We mistakenly thought that the adult children had taken all their things with them when they moved out into the world. No exactly true. Incredible how much is actually in what we thought was an “empty” house.
It’s incredibly liberating to free yourself from “stuff.” Comedian George Carlin had a whole stage routine about “stuff” overtaking lives. Tracy and my plan is to move to Italy with two large suitcases each. We are passing keepsakes on to the adult children now and starting to live a minimalist life.
Moving from house to apartment was a huge step, next up is selling Tracy’s car over the summer and my car come November. After years of used cars, minivans, station wagons, SUVs, Tracy and I love driving our two-seater convertibles, but they are not going to Italy with us so it’s time for the next major step in minimizing.
An Italian Point Of View 