Changes

I hate them and love them. What do I mean by that? Well, I really want to retire. I'll have enough time as of next month. At the same time I'm nervous about it. What will I do when I get out? Where will I live? These are fears everyone faces.

I tried to hedge my bet some. I had a plan. Now I'm not sure if its the best plan. I had the plan to buy a small house in the Tampa area. I was going to start paying on it now and continue over the next year. When I retired I was going to go to school and maybe get a degree in teaching. After I went through all the hassles of looking for a house and ran into some walls as far as financing goes I am unsure about this plan now.

My bank doesn't want to finance me for the loan because I don't live in the area yet. Other banks will finance the loan as a second house but that requires money down, PMI, higher fees and higher interest rates. (Second home? I don't have a first one yet. )

Then there comes the teaching thing. I'm one class away from my associates degree in Business Administration. If I do want to be a teacher I will need to find someone who is willing to accept the maximum number of credits possible and then I will have to start filling in the missing courses.

I'm really not even sure if I'll like teaching. I volunteered for the Junior Achievement program this fall. I guess that'll give me a better idea if that is what I want to do.

I don't want to wait and see but I also don't want to act too early. I'm not sure if I can find a job in the Tampa area. I'm not even sure I'll like the area. My brother's family lives there and my Mom may someyear move there. That's the biggest reason I want to go there. I'm writing it out like this because I think that will help me to see the problem more clearly. I'm not exactly sure why I am posting it online. Just because I guess.