It wasn’t until moving to Maine that I experienced what many refer to as chilblains. I did a bit of searching around and I believe these things are also called pernio. Have you ever had chilblains? I’m sure you have. If you live in the north and if you’ve ever walked around outside during the winter in Crocs or cold boots with no socks on, I’m certain of it.

Since arriving in the state, Laura and I have engaged in a few “Maine” activities. I think this one might take the cake though. There aren’t many that are more Maine than cutting down one’s own Christmas tree. In the forest. In a whole bunch of snow.

The older I get, the more concerned I become with what I’ll do with myself after I reach retirement age. I suppose that age is 65, which, to me, is rather arbitrary. As of this moment, I don’t plan on acting any differently the moment I reach my alleged retirement, but the more I look around at folks who already have, the more I worry.

In today’s post, I’d like to discuss a very simple topic. The topic is investing. The topic many financial advisors would lead you to believe is incredibly difficult to wrap your head around. Of course, if you’ve got loads of money and many options for living and retiring, things can quickly become complicated, but if you’re a regular middle class guy or gal and you’d like to live a bit easier in your later years (45+) and not have to work until you’re 80, you may want to continue reading. The entire thing is very straightforward. It’s a favorite subject of mine, this investing is, but trying to get people to listen to me is a chore unto itself. It’s probably for this reason I chose to write this post. Maybe, just maybe, someone will read it.

I hate to admit it, but there was a time I was against motor vehicle inspections. I always thought they were a waste of energy. For me, anyway; they got in my way. The fact that they existed forced me to do something I didn’t want to do – an extra and irritating chore. And honestly, they still do get in my way, but that’s because of the simple fact that I know how to perform my own vehicle maintenance and repairs.

The good folks of Maine were stricken by some sort of disease last month. None of us knew what it was, but nearly all of us were affected, me included. At first, I thought it was a simple head cold induced by some dust that was cast into the air by a propane heater fan. Dust has been a trigger for me for most of my life. In fact, back in 2012, I trained Muay Thai at a club in Connecticut that used forced hot air as its heat source. The heat used to run while we were in class. That year, I caught seven head colds in the one season due to the dust spewed from the system. It was terrible.